{"took":322,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":15,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8840493","_score":18.384073,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to urgently address the inaccuracies that persist on my credit report. These errors are significantly impacting my entire life and hindering my efforts to improve my financial situation. \n\nThe inaccuracies on my credit report have led to several negative consequences, including difficulty obtaining loans, higher interest rates, denial of housing and employment opportunities. These repercussions have created immense stress and frustration, making it exceedingly challenging for me to navigate my financial responsibilities and achieve my goals. \n\nAs a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), which entitles me to accurate and fair credit reporting. However, the presence of these inaccuracies undermines the integrity of my credit profile and violates my rights under this important law. \n\nI am actively striving to better my financial standing and take control of my future. However, the inaccuracies on my credit report serve as unwarranted obstacles in my journey toward financial stability. Removing these erroneous items is crucial for me to move forward and rebuild my creditworthiness. \n\nI implore you to expedite the process of investigating and rectifying these inaccuracies on my credit report. Your swift action in removing these items will not only alleviate the burdens I currently face but also empower me to make meaningful progress toward my financial well-being. \n\nPlease understand the urgency of this matter and prioritize its resolution. Your cooperation and assistance in resolving this issue promptly are greatly appreciated. \n\nThank you for your attention to this pressing concern. I eagerly await your response and the necessary actions to correct the inaccuracies on my credit report. \n\nSincerely, XXXX","date_sent_to_company":"2024-04-23T18:48:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11224","tags":null,"has_narrative":true,"complaint_id":"8840493","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-23T18:43:55.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I eagerly await <em>your</em> response and the necessary actions to correct the inaccuracies on my <em>credit</em> report. \n\nSincerely, XXXX"],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"],"sub_product":["<em>Credit</em> reporting"]},"sort":[18.384073,"8840493"]},{"_index":"complaint-public-v1","_id":"11070841","_score":17.593664,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : I am writing to file a formal complaint against Equifax regarding the handling of a fraud alert on my credit report. This situation has caused me significant frustration and has negatively impacted my ability to secure a mortgage for a home. \n\nDespite numerous calls to Equifaxs customer service number, I have been unable to resolve this issue. I have been repeatedly instructed to send documentation to have the fraud alert removed, which I have done. I provided a copy of my ID and a W-2 as requested. Despite this, I continue to be informed by Equifax representatives that : There is no fraud alert on my report, even though my lender has confirmed its existence. \nThe fraud alert remains, which prevents my lender from accessing my credit report. \nI have been given conflicting information, and the lack of resolution has been beyond frustrating. To make matters worse, the Equifax phone line frequently disconnects or directs me to representatives who offer no actionable assistance, leaving me feeling as though I am being given the runaround. \n\nThis issue has reached a critical point. I am in the process of purchasing a home, and the unresolved fraud alert is jeopardizing my ability to proceed. I am at my wits end trying to navigate Equifaxs unhelpful system. \n\nI request your assistance in addressing the following : Immediate removal of the fraud alert from my credit report. \nA thorough investigation into Equifaxs handling of my case and their failure to resolve this issue despite my compliance with their instructions. \nImproved customer service processes to prevent similar issues from happening to others in the future. \nPlease let me know if any additional documentation is required to expedite the resolution of this matter. I appreciate your prompt attention to this issue and look forward to your assistance in achieving a resolution.","date_sent_to_company":"2024-12-07T15:31:52.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"30236","tags":null,"has_narrative":true,"complaint_id":"11070841","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-07T15:09:09.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>Improved</em> customer service <em>processes</em> to prevent similar issues from happening to others in the future. \nPlease let me know if any additional documentation is required to expedite the resolution of this matter. I appreciate <em>your</em> prompt attention to this issue and look forward to <em>your</em> assistance in achieving a resolution."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[17.593664,"11070841"]},{"_index":"complaint-public-v1","_id":"8411891","_score":14.559731,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Dear Sir/Madam, Subject : In-depth Complaint and Request for Resolution Concerning Equifax, XXXX, and XXXX XXXX : I am reaching out to formally lodge a complaint against XXXX major credit reporting agencies : Equifax, XXXX, and XXXX XXXX My journey since XXXX has been fraught with personal and professional challenges, notably a severe health crisis, that critically impacted my capacity to manage my financial affairs. This letter outlines the sequence of events, the difficulties I encountered in trying to navigate the credit reporting system, and the dire need for systemic changes within these agencies. \n\nThe Story : In XXXX, my life took an unexpected turn due to embezzlement at my company, leading to my removal as CEO. Shortly thereafter, I XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX During this tumultuous period, unauthorized transactions and inaccuracies began to surface on my credit reports from Equifax, XXXX, and XXXX, further complicating my already precarious situation. \n\nDespite these obstacles, I endeavored to correct the inaccuracies on my credit reports. However, I found myself ensnared in a web of bureaucratic inefficiencies and unaccommodating procedures that seemed almost insurmountable for someone in my condition. \n\nDifficulties in Navigation : The process of disputing inaccuracies with Equifax, XXXX, and XXXX was labyrinthine and opaque, significantly disadvantaging someone grappling with XXXX XXXX XXXX as I was. The primary challenges included : Lack of Clear Guidance : The absence of straightforward, step-by-step instructions for disputing errors left me feeling lost and overwhelmed, unsure of how to proceed effectively. \n\nInadequate Support for XXXX XXXX Conditions : None of these agencies had provisions or processes tailored to individuals facing XXXX XXXX This oversight made it nearly impossible for me to advocate for myself within their standard operating procedures. \n\nPoor Record-Keeping and Communication : My attempts to engage with these bureaus were met with fragmented responses, and there was no clear tracking or acknowledgment of the history of my disputes. This not only made each interaction feel like starting from square one but also amplified my distress, as it seemed my previous efforts were in vain. \n\nThe Aftermath : The repercussions of these unaddressed inaccuracies have been profound. Beyond the immediate financial implications, including damaged creditworthiness and lost opportunities, the emotional and psychological toll has been immense. The sense of helplessness and frustration was exacerbated by the credit bureaus ' lack of empathy and accommodation for my situation. \n\nResolution Request : Given these experiences, I seek the following resolutions from Equifax, XXXX, and XXXX : Immediate and Thorough Audit : A detailed review of my credit reports to remove all inaccuracies and unauthorized transactions since XX/XX/XXXX, acknowledging my period of incapacitation. \n\nMonetary Compensation : Compensation of at least XXXX XXXX dollars for the tangible and intangible losses incurred due to these inaccuracies, reflecting the severity of the impact on my life. \n\nSystemic Changes : Implementation of more accessible and accommodating dispute resolution processes, especially for consumers with mental health challenges, alongside improved record-keeping and communication protocols. \n\nConsumer Education : Development of comprehensive support and educational resources for navigating credit disputes, with particular attention to the needs of vulnerable consumers. \n\nConclusion : This detailed account underscores not just a personal plight but a systemic failure to provide equitable and compassionate treatment to consumers, particularly those with mental health challenges. I urge the CFPB to facilitate the necessary corrections and compensations, and to advocate for systemic reforms within Equifax, XXXX, and XXXX to prevent such injustices from recurring. \n\nI have attached all relevant documentation, including medical records and correspondence with these agencies, to substantiate my claims. \n\nI appreciate your attention to this matter and await your prompt and considerate response. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-02-25T01:19:55.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92019","tags":null,"has_narrative":true,"complaint_id":"8411891","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-25T01:19:52.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Systemic Changes : Implementation of more accessible and accommodating dispute resolution <em>processes</em>, especially for consumers with mental health challenges, alongside <em>improved</em> record-keeping and communication protocols. \n\nConsumer Education : Development of comprehensive support and educational resources for <em>navigating</em> <em>credit</em> disputes, with particular attention to the needs of vulnerable consumers."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on <em>your</em> report"]},"sort":[14.559731,"8411891"]},{"_index":"complaint-public-v1","_id":"8422539","_score":14.412491,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Dear Sir/Madam, Subject : In-depth Complaint and Request for Resolution Concerning XXXX, XXXX, and Experian Introduction : I am reaching out to formally lodge a complaint against three major credit reporting agencies : XXXX, XXXX, and Experian XXXX My journey since XXXX has been fraught with personal and professional challenges, notably a severe health crisis, that critically impacted my capacity to manage my financial affairs. This letter outlines the sequence of events, the difficulties I encountered in trying to navigate the credit reporting system, and the dire need for systemic changes within these agencies. \n\nThe Story : In XXXX, my life took an unexpected turn due to embezzlement at my company, leading to my removal as CEO. Shortly thereafter, I suffered a minor aneurysm, a health crisis that not only threatened my life but also led to significant mental health struggles. During this tumultuous period, unauthorized transactions and inaccuracies began to surface on my credit reports from XXXX, XXXX, and Experian, further complicating my already precarious situation. \n\nDespite these obstacles, I endeavored to correct the inaccuracies on my credit reports. However, I found myself ensnared in a web of bureaucratic inefficiencies and unaccommodating procedures that seemed almost insurmountable for someone in my condition. \n\nDifficulties in Navigation : The process of disputing inaccuracies with XXXX, XXXX, and Experian was labyrinthine and opaque, significantly disadvantaging someone grappling with mental health issues as I was. The primary challenges included : Lack of Clear Guidance : The absence of straightforward, step-by-step instructions for disputing errors left me feeling lost and overwhelmed, unsure of how to proceed effectively. \n\nInadequate Support for Mental Health Conditions : None of these agencies had provisions or processes tailored to individuals facing mental incapacitation. This oversight made it nearly impossible for me to advocate for myself within their standard operating procedures. \n\nPoor Record-Keeping and Communication : My attempts to engage with these bureaus were met with fragmented responses, and there was no clear tracking or acknowledgment of the history of my disputes. This not only made each interaction feel like starting from square one but also amplified my distress, as it seemed my previous efforts were in vain. \n\nThe Aftermath : The repercussions of these unaddressed inaccuracies have been profound. Beyond the immediate financial implications, including damaged creditworthiness and lost opportunities, the emotional and psychological toll has been immense. The sense of helplessness and frustration was exacerbated by the credit bureaus ' lack of empathy and accommodation for my situation. \n\nResolution Request : Given these experiences, I seek the following resolutions from XXXX, XXXX, and Experian : Immediate and Thorough Audit : A detailed review of my credit reports to remove all inaccuracies and unauthorized transactions since XX/XX/XXXX, acknowledging my period of incapacitation. \n\nMonetary Compensation : Compensation of at least XXXX XXXX dollars for the tangible and intangible losses incurred due to these inaccuracies, reflecting the severity of the impact on my life. \n\nSystemic Changes : Implementation of more accessible and accommodating dispute resolution processes, especially for consumers with mental health challenges, alongside improved record-keeping and communication protocols. \n\nConsumer Education : Development of comprehensive support and educational resources for navigating credit disputes, with particular attention to the needs of vulnerable consumers. \n\nConclusion : This detailed account underscores not just a personal plight but a systemic failure to provide equitable and compassionate treatment to consumers, particularly those with mental health challenges. I urge the CFPB to facilitate the necessary corrections and compensations, and to advocate for systemic reforms within XXXX, XXXX, and Experian to prevent such injustices from recurring. \n\nI have attached all relevant documentation, including medical records and correspondence with these agencies, to substantiate my claims. \n\nI appreciate your attention to this matter and await your prompt and considerate response. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-02-25T01:19:46.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92019","tags":null,"has_narrative":true,"complaint_id":"8422539","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-25T00:07:51.000Z","state":"CA","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":["Systemic Changes : Implementation of more accessible and accommodating dispute resolution <em>processes</em>, especially for consumers with mental health challenges, alongside <em>improved</em> record-keeping and communication protocols. \n\nConsumer Education : Development of comprehensive support and educational resources for <em>navigating</em> <em>credit</em> disputes, with particular attention to the needs of vulnerable consumers."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on <em>your</em> report"]},"sort":[14.412491,"8422539"]},{"_index":"complaint-public-v1","_id":"8412501","_score":14.412491,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Dear Sir/Madam, Subject : In-depth Complaint and Request for Resolution Concerning XXXX, TransUnion, and XXXX XXXX : I am reaching out to formally lodge a complaint against XXXX major credit reporting agencies : XXXX, TransUnion, and XXXX XXXX My journey since XXXX has been fraught with personal and professional challenges, notably a severe health crisis, that critically impacted my capacity to manage my financial affairs. This letter outlines the sequence of events, the difficulties I encountered in trying to navigate the credit reporting system, and the dire need for systemic changes within these agencies. \n\nThe Story : In XXXX, my life took an unexpected turn due to embezzlement at my company, leading to my removal as CEO. Shortly thereafter, I suffered a minor aneurysm, a health crisis that not only threatened my life but also led to significant mental health struggles. During this tumultuous period, unauthorized transactions and inaccuracies began to surface on my credit reports from XXXX, TransUnion, and XXXX, further complicating my already precarious situation. \n\nDespite these obstacles, I endeavored to correct the inaccuracies on my credit reports. However, I found myself ensnared in a web of bureaucratic inefficiencies and unaccommodating procedures that seemed almost insurmountable for someone in my condition. \n\nDifficulties in Navigation : The process of disputing inaccuracies with XXXX, TransUnion, and XXXX was labyrinthine and opaque, significantly disadvantaging someone grappling with mental health issues as I was. The primary challenges included : Lack of Clear Guidance : The absence of straightforward, step-by-step instructions for disputing errors left me feeling lost and overwhelmed, unsure of how to proceed effectively. \n\nInadequate Support for XXXX XXXX Conditions : None of these agencies had provisions or processes tailored to individuals facing mental incapacitation. This oversight made it nearly impossible for me to advocate for myself within their standard operating procedures. \n\nPoor Record-Keeping and Communication : My attempts to engage with these bureaus were met with fragmented responses, and there was no clear tracking or acknowledgment of the history of my disputes. This not only made each interaction feel like starting from square one but also amplified my distress, as it seemed my previous efforts were in vain. \n\nThe Aftermath : The repercussions of these unaddressed inaccuracies have been profound. Beyond the immediate financial implications, including damaged creditworthiness and lost opportunities, the emotional and psychological toll has been immense. The sense of helplessness and frustration was exacerbated by the credit bureaus ' lack of empathy and accommodation for my situation. \n\nResolution Request : Given these experiences, I seek the following resolutions from XXXX, TransUnion, and XXXX : Immediate and Thorough Audit : A detailed review of my credit reports to remove all inaccuracies and unauthorized transactions since XX/XX/XXXX, acknowledging my period of incapacitation. \n\nMonetary Compensation : Compensation of at least XXXX XXXX dollars for the tangible and intangible losses incurred due to these inaccuracies, reflecting the severity of the impact on my life. \n\nSystemic Changes : Implementation of more accessible and accommodating dispute resolution processes, especially for consumers with mental health challenges, alongside improved record-keeping and communication protocols. \n\nConsumer Education : Development of comprehensive support and educational resources for navigating credit disputes, with particular attention to the needs of vulnerable consumers. \n\nConclusion : This detailed account underscores not just a personal plight but a systemic failure to provide equitable and compassionate treatment to consumers, particularly those with mental health challenges. I urge the CFPB to facilitate the necessary corrections and compensations, and to advocate for systemic reforms within XXXX, TransUnion, and XXXX to prevent such injustices from recurring. \n\nI have attached all relevant documentation, including medical records and correspondence with these agencies, to substantiate my claims. \n\nI appreciate your attention to this matter and await your prompt and considerate response. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-02-25T01:19:55.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92019","tags":null,"has_narrative":true,"complaint_id":"8412501","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-25T01:19:52.000Z","state":"CA","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":["Systemic Changes : Implementation of more accessible and accommodating dispute resolution <em>processes</em>, especially for consumers with mental health challenges, alongside <em>improved</em> record-keeping and communication protocols. \n\nConsumer Education : Development of comprehensive support and educational resources for <em>navigating</em> <em>credit</em> disputes, with particular attention to the needs of vulnerable consumers."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on <em>your</em> report"]},"sort":[14.412491,"8412501"]},{"_index":"complaint-public-v1","_id":"3770324","_score":13.782315,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2020 we proceeded to buy a used car through XXXX XXXX. Without problems we unlocked our credit information with XXXX  and XXXX. Equifax, however, did not immediately respond with unlocking our info, and I had to repeatedly navigate through their interminable menu ( providing the same personal authentication information several times ) before our credit information was provided to XXXX XXXX. \n\nShortly after this we began communicating with our bank to consider refinancing our home mortgage. Again Equifax proved impossible to deal with. I have through their website changed my account password numerous times and when trying to log in, each time I'm told that the information I provide doesn't correspond with their info -- this, immediately after I've changed the password and clicked on \" Log In. '' Likewise I was unable to unlock my credit information by telephone. I tried several provided phone numbers to no avail. Eventually the loan officer at the bank gave me a number, then another different Equifax number, and eventually I was able to unlock. But it took numerous attempts ( I estimate 9-12 times ) before success.I will now provide the most recent letter I received ( dated XX/XX/XXXX ) indicating that the password change has been successful. No, it hasn't been successful as of today ( XX/XX/XXXX ). \n\nToday I finally got through to a live individual in telephone customer service whom I asked to help while I was actively on Equifax 's webpage. After asking for personal information which Equifax should have had for years ( date of birth , street address, etc -- \" In order to fill in some blanks on your account '' ) I was placed on pause -- and after about 4 minutes the call was dropped and I was transferred to an automated survey on how well Equifax does. I have not received a follow-up call from the same individual or from someone in his department to complete the correction process. \n\nI want to complain about the sheer resistance Equifax has shown toward customers and its failure to improve its customer service. To date I still can not access Equifax or my.equifax.com and must do so only by telephone.","date_sent_to_company":"2020-07-29T21:23:40.000Z","issue":"Problem with customer service","sub_product":"Credit repair services","zip_code":"55317","tags":"Older American","has_narrative":true,"complaint_id":"3770324","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-07-29T20:52:52.000Z","state":"MN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Without problems we unlocked our <em>credit</em> information with XXXX  and XXXX. Equifax, however, did not immediately respond with unlocking our info, and I had to repeatedly <em>navigate</em> through their interminable menu ( providing the same personal authentication information several times ) before our <em>credit</em> information was provided to XXXX XXXX. \n\nShortly after this we began communicating with our bank to consider refinancing our home mortgage. Again Equifax proved impossible to deal with."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> repair services"]},"sort":[13.782315,"3770324"]},{"_index":"complaint-public-v1","_id":"7111734","_score":10.508974,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"TransUnion representatives XXXX XXXX and XXXX XXXX both refused to assist me in correcting the TransUnion credit profile. The problem is XXXX has my credit score at XXXX while TransUnion has the credit report at XXXX, this is a difference of XXXX points. Why the bid discrepancy? Also, TransUnion has already been notified that the name and the social security number are property of a trust and they are trustees that hold the property and when they are informed of any inaccuracies they must correct incorrect information in their file, they refused. How am I supposed to live?! Ask them One Question : Have I been late? Based on their own admission, I am being discriminated against! \n\nThe following is an automated response I received from XXXX XXXX today : Thank you, XXXX. \n\nWe reviewed your information and, unfortunately, we can't pre-approve you for a XXXX XXXX consumer credit card at this time. \nRest assured, the form you submitted was not a credit card application and your credit score was not affected. \n\nHere are the reasons why we couldn't match you with an offer : Based on your Pre-Approval form information, there is a currently pending or recently processed application with XXXX XXXX Based on your Pre-Approval form information, there are too many delinquent past or present XXXX XXXX credit obligation ( s ) Based on your Pre-Approval form information, the balance on one or more XXXX XXXX accounts has exceeded the credit limit Please make sure to save and/or print this notice for your records as it may not be available after this page expires or if you navigate to another page. For your security, this page will expire after 20 minutes of no activity. \n\nWe know this isn't the answer you were hoping for, but we hope there is an opportunity to provide you with new products and services in the future. \n\nCreditor : XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX EQUAL CREDIT OPPORTUNITY ACT The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is Bureau of Consumer Financial Protection, 1700 G Street NW, Washington DC 20552. \n\nPhone with sample credit score XXXX XXXX Get your credit score, report, and more. \nXXXX from XXXX XXXX is a free credit monitoring tool that can help you learn how to improve your credit score. Focus on your credit score because generally, the higher your credit score, the better the chance you have of getting approved. \n\nIt's free for everyone and won't hurt your credit score Access to weekly credit score updates See your score in minutes Already a XXXX XXXX customer? Use your existing XXXX XXXX username and password to sign in to XXXX. \n_________________________________________________________ I am so tired of explaining to Transunion, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX and others. XXXX XXXX conspires with these companies to commit fraud because they have been provided settlement, have discharged and have been provided settlement again for credit card debt. Since lying XXXX XXXX employees want 60 days to investigate something they have investigated many times in the past, according to the Fair Debt Collection Act they are supposed to take the disputed item off the credit report while they investigate. I guess XXXX XXXX makes the rules, I guess they don't have to follow the law, I guess XXXX money can buy you anything! When are you going to stop XXXX XXXX from damaging the people! They have killed me in commerce, financially slaughtered my character, economically held me XXXX until I have suffocated and now my vessel in commerce is dead. How am I supposed to live? I am a living woman who has the same right to live in peace on my own land but XXXX XXXX continues their deceitful tactics and their conspirators XXXX, XXXX, XXXX, and Transunion help them perpetuate the fraud. According to United States Code Title 15 Subsection 1601-1666 Pertains to XXXX XXXX 's bad banking practices. Consumer Law - 15 USC 1602 ( I ) Credit Card - used my Social Security Card as funding to pull credit, so what has XXXX XXXX lost? They are liars! Truth in Lending 15 U S Code 1605 Determination of Finance Charge ( what they aren't telling you ) - Finance charges should be provided separate from the rest of the document, but you XXXX XXXX loves small print and comingles all the charges together. ANY transactions that I have ever done with XXXX XXXX have been settled many times over plus when I had my business account their they got full benefits for the income I put in the bank from the business. They kept title to the securities deposited because according to their records the securities were abandoned. If the public school system and universities trained us to operate in commerce we would know and America would not be on the verge of finance collapse! This is XXXX XXXX and their gang of banking criminals ' fault!","date_sent_to_company":"2023-06-13T19:40:21.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"30064","tags":null,"has_narrative":true,"complaint_id":"7111734","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-06-13T19:19:59.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["Phone with sample <em>credit</em> score XXXX XXXX Get <em>your</em> <em>credit</em> score, report, and more. \nXXXX from XXXX XXXX is a free <em>credit</em> monitoring tool that can help you learn how to <em>improve</em> <em>your</em> <em>credit</em> score. Focus on <em>your</em> <em>credit</em> score because generally, the higher <em>your</em> <em>credit</em> score, the better the chance you have of getting approved. \n\nIt's free for everyone and won't hurt <em>your</em> <em>credit</em> score Access to weekly <em>credit</em> score updates See <em>your</em> score in minutes Already a XXXX XXXX customer?"],"product":["<em>Credit</em> card or prepaid card"],"issue":["Getting a <em>credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[10.508974,"7111734"]},{"_index":"complaint-public-v1","_id":"5792629","_score":10.014694,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I write to you with a great deal of frustration in fighting systemic barriers affecting people of XXXX experience. Earlier, I received a response from TransUnion, who for the third time now, has refused to amend my legal name on my TransUnion credit report. I have presented to them overwhelming documentation of the name change court order, proofs of residency, copies of government issued IDs, and personal notarized letters, and yet still, they refuse to remove my dead name from my credit report, which as a XXXX  person is not only distressing, but also puts me at increased risk of discrimination, harassment, assault, and rejected applications and background checks in finance, housing, and work, due to a name mismatch. \n\nOn my report, they currently have my current legal name listed along with my dead name, which is absolutely not acceptable, and invalidates my identity as a person. I don't have XXXX different names, I have one, and for them to outright refuse to respect that is extremely insulting. And this is a company that falsely portrays themselves as an \" ally '' of the XXXX community, stating on their website : TransUnion is a proud ally of the XXXX community, and were committed to helping consumers navigate the name change process. [ ... ] TransUnion remains committed to making sure your credit report is accurate and reflects your identity. ( XXXX XXXX XXXXXXXX XXXX I pointed out this company policy to them, and I have clearly stated to them in three separate letters the name of my identity, and I have provided ample documentation as such, yet they continue to invalidate my identity by dead naming my credit report. \n\nAlready I am experiencing repercussions that are a result of TransUnions corporate negligence and violations of my rights under the Fair Credit Reporting Act ( FCRA ), which stipulates that reporting agencies have a duty to delete or correct inaccurate information in a credit report ( XXXX XXXX XXXX ). Since notifying TransUnion multiple times of my legal name change, and their failure to amend my credit report, three of my applications to open a bank account have been rejected due to failed credit report background checks, and two of my job applications were rejected due to failed credit report background checks, problems I have never experienced until now. I am currently seeking employment, and I need to open an account with a different bank, as I am planning to move to an area that is not served by my local bank. Furthermore, I will need to apply to lease an apartment in the near future, and I fear I will be similarly rejected due to a failed credit report background check. \n\nI want to emphasize that I am not trying to avoid bad credit, and I am not going through some third party credit report fixing agency, which TransUnion baselessly accused me of in response to my first letter to them, and is why I needed to start having my letters to them notarized at my own personal expense. I have excellent credit, and I want to preserve my credit history, but it must be under my current legal name, and must not include my dead name, as is my legal right under the FCRA. My dead name is inaccurate, it no longer refers to a legal entity, and I am duty bound by the courts to fully discontinue using my former legal name, as doing so would be considered fraud, and I must use my current legal name for all legal relationships. \n\nMore broadly, these acts of negligence and violations of consumer rights by TransUnion outline a recurring pattern among consumer reporting agencies. The XXXX XXXX XXXX XXXX, a trade organization representing the credit reporting industry including the three big, nationwide credit bureaus, Transunion, XXXX, and XXXX, offers guidance on how transgender and nonbinary individuals can try to avoid credit disruptions after changing their names XXXX XXXX XXXX XXXX  ). However, a group of consumer advocate organizations in this letter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Senate Banking Committee, and House Financial Services Committee, notes that XXXXXXXX  and nonbinary consumers face myriad credit reporting problems after they change their names with serious consequences for their financial and personal lives. ( XXXX XXXX XXXX XXXX While these organizations praised the CDIAs guidance, in the letter, they make recommendations on additional steps credit reporting agencies should take to improve the process. \n\nXXXX negligence in my case has caused me significant distress, as it is triggering for my XXXX  XXXX, XXXX, and XXXX. I shouldnt have to fight this battle, a battle that disproportionately impacts people of XXXX  experience. Correcting the name on a credit report following a legal name change should be easy and standard procedure, not an insurmountable barrier of corporate bureaucracy and negligence, that for months on end bars people from being able to access basic services in finance, housing, and employment. TransUnion needs to be held accountable for their corporate negligence and denial of my legal right to accurate consumer reporting.","date_sent_to_company":"2022-07-20T04:21:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"032XX","tags":null,"has_narrative":true,"complaint_id":"5792629","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-07-20T03:25:04.000Z","state":"NH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["recommendations on additional steps <em>credit</em> reporting agencies should take to <em>improve</em> the <em>process</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"],"sub_product":["<em>Credit</em> reporting"]},"sort":[10.014694,"5792629"]},{"_index":"complaint-public-v1","_id":"17008191","_score":6.8757834,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am FILING on my own behalf for this Dispute at hand.This Dispute was never investigated by cfpb. EQUIFAX, AND XXXX XXXX XXXX  HAVE NOT CONDUCTED THOROUGH INTERNAL INVESTIGATIONS OF DISPUTES THAT I HAVE FILED. ALL EVIDENCE IS INCLUDED IN THIS DISPUTE THAT PROVES CORRUPTION ON BEHALF OF ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS EXPERIAN, TRANSUNION, AND EQUIFAX!! ! XXXX MY SCORES NEED TO BE RECALCULATED BY ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS XXXX EQUIFAX, AND XXXX IMMEDIATELY!! ! XXXX XXXXXXXX XXXX XXXX XXXX XXXX  NOT CAPABLE OF CONDUCTING THOROUGH INTERNAL INVESTIGATIONS OF DISPUTES, PRACTING XXXX XXXX  ACTIVITIES ON THE MASSES WITH XXXX XXXX XXXX PERSUING UNHAPPINESS AND STRUGGLE. YOU WILL BE STRUCT DOWN LIKE THE XXXX XXXX XXXX  YOU ARE WITH THE SWIFTNESS OF THE XXXX. ALL THREE ENTITIES INVOLVED THEMSELVES IN ( CONSPRIRACY ) 18 USC Section 241 ( CONSPIRACY )!!! 369 The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies ( CRAs ). \nYou can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information.\n\nWho is Covered by the FCRA Consumer Reporting Agencies ( CRAs ) : Companies like the three major credit bureaus ( Equifax, Experian, and TransUnion ) that compile and sell consumer reports to Users of Consumer Reports : Entities like creditors, lenders, employers, and landlords who use consumer reports for decisions about credit, employment, insurance, and more.\n\nYou can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. \nXXXX XXXX  AND EQUIFAX REMOVED MY XXXX XXXX XXXX  ACCOUNT # XXXX WITHOUT PERMISSION, TO DO DETRIMENTAL HARM TO MY CREDIT SCORES, AND CONSPIRING WITH XXXX  AND EQUIFAX TO DO THE SAME WHICH IS A VIOLATION OF 18 USC Section 241 ( CONSPIRACY )!! ! 369 18 U.S. Code Section 241, titled \" Conspiracy Against Rights, '' makes it a federal crime for two or more people to conspire to harm, threaten, or intimidate someone in the exercise or enjoyment of rights secured by the Constitution or laws of the United States. This includes actions taken to prevent someone from exercising a right or because they have exercised one. Penalties for violations can include significant fines or imprisonment, with more severe consequences if certain serious crimes like kidnapping or attempted murder occur as a result of the conspiracy. Key Aspects of Section 241 Conspiracy : The law focuses on an agreement or plan between two or more individuals. Targeted Rights : The conspiracy must be against rights secured by the U.S. Constitution or federal laws. Intent : The perpetrators must intend to injure, threaten, or intimidate a person in the exercise of these rights. Scope : It prohibits actions that hinder a person from exercising a right, or punish them for having done so. Consequences : Violations can lead to significant fines or imprisonment, with increased penalties for offenses involving kidnapping, aggravated XXXX abuse, or attempted murder. How it Differs from Section 242 It's important to distinguish Section 241 from Section 242. While Section 241 addresses conspiracies against rights, Section 242 targets individuals who, acting \" under color of law '' ( meaning with the authority of a government official ), willfully deprive a person of their rights. The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of personal information in the files of credit reporting agencies ( CRAs ). It establishes consumer rights to access and dispute information in their credit reports, limits the entities that can access this information, and mandates procedures for how CRAs and the users of their information must operate. Key rights include the ability to obtain free credit reports annually, receive adverse action notices, dispute inaccuracies, and place fraud alerts on your credit file. Key Provisions & Consumer Rights Access to Your Credit Report : You are entitled to a free copy of your credit report from each of the three major CRAs XXXX XXXX XXXX, and Equifax ) once every 12 months. Adverse Action Notices : If you are denied credit, employment, or other services based on information in your credit report, you must be notified and informed of the specific CRA that supplied the report. Dispute Inaccuracies : You have the right to dispute any inaccurate, incomplete, or outdated information in your credit report and have the CRA investigate and correct it. \n\n\nExperian has been accused of improperly reinserting previously deleted or disputed information back onto consumer credit reports, often under a different furnisher 's name, without proper investigation or verification. \n\nOver-reliance on furnishers : The Consumer Financial Protection Bureau ( CFPB ) has stated that Experian often over-relies on furnishers ' responses to disputes, even when Experian possesses information that contradicts the furnisher 's claims or when the furnisher is known to be unreliable. \n\nFailure to investigate disputes thoroughly : The CFPB has also alleged that Experian 's dispute investigation process is inadequate, failing to properly consider consumer-provided documentation and other information that contradicts the furnisher 's claims. \n\n\" Sham investigations '' : The CFPB has specifically accused Experian of conducting \" sham investigations '' where they give the appearance of investigating disputes without actually conducting a thorough and impartial review of the information, according to the CFPB.\n\nMixing consumer files : Experian has also been accused of mixing consumer files, leading to incorrect information being reported on a consumer 's credit report, as seen in theSteelman v. Experian case.\n\nImpact on consumers : These inaccurate reports can lead to denial of loans, higher interest rates, and other negative consequences for consumers. \n\nChristian Peyton v. Experian. Plaintiff discharged his XXXX XXXXXXXX bankruptcy in XX/XX/XXXX. Despite the bankruptcy being discharged, Experian failed to report the discharge date. Plaintiff disputed to Experian but Experian verified the inaccurate information as correct.\n\nNikolas v. Experian. N.D. C.A. The Plaintiff has an inaccurate account reporting on her Experian credit report. The Plaintiff has never had an Affirm account listed on the Experian credit report. The Plaintiff disputed with Experian several times, but the account continued to be verified. As a result of this accounts reporting, Plaintiffs mortgage loan application was put on hold.\n\nThe Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection, dissemination, and use of consumer credit information to promote the accuracy, fairness, and privacy of consumer reports. It grants consumers rights, such as accessing their credit reports, disputing errors, and placing fraud alerts or security freezes on their files, while also imposing responsibilities on furnishers of information and users of credit reports. \n\n\nInactive modal US Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX a new complaint All complaints XXXX complaint Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Problem with a company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT THIS DISPUTE WAS NEVER ABOUT IDENTITY THEFT, IT WAS ABOUT CORRECTION OF MY CREDIT SCORES WITH ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS : [ CFPB, XXXX XXXX, AND EQUIFAX ] AND CORRUPTION THAT CFPB, EQUIFAX, XXXX XXXX XXXX  TOOK PART IN, ALSO DOING DETRIMENTAL HARM TO MY CREDIT REPORTING SCORES. I SUBMITTED ALL THE EVIDENCE TO PROVE MY DISPUTE, IF REAL THOROUGH INTERNAL INVESTIGATIONS ARE CONDUCTED BY ALL ENTITIES INVOLVED!! ! XXXX I ASK FOR A RECALCULATION OF MY CREDIT SCORES IMMEDIATELY ALONG WITH THOROUGH TRANSPARENCY AND UPDATION OF CORRECT SCORES IMMEDIATELY!! ! XXXX NON-COMPLIANCE CFPB NON-COMPLIANCE XXXX  NON-COMPLIANCE EQUIFAX NON-COMPLIANCE XXXXXXXX  CFPB AND ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS XXXX XXXX  AND EQUIFAX NEVER CONDUCTED THOROUGH INTERNAL INVESTIGATIONS INTO THIS MATTER AT HAND OF CORRECTING MY CREDIT SCORES ON ALL CREDIT REPORTING WITH EQUIFAXXXXX XXXX XXXX XXXX ! XXXX UNDER THE FAIR CREDIT REPORTING ACT IT STATES THAT THESE FACTIOUS ENTITIES SELL, CONSPIRE TO DO DETRIMENTAL HARM TO MINORITIES OF ALL COLORS WITHOUT PERMISSION OF THE CONSUMER. I HAVE A DISPUTE WHICH I ATTACHED SHOWS THAT CFPB AND ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS EXPERIAN, TRANSUNION, AND EQUIFAX FAILED HORRIBLY TO DO IT'S DUE DILIGENCE OF CONDUCTING FAIR THOROUGH INTERNAL INVESTIGATIONS OF ALL THREE BUREAUS EXPERIAN, TRANSUNION, AND EQUIFAX!!! XXXX The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies ( CRAs ). You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. Who is Covered by the FCRA Consumer Reporting Agencies ( CRAs ) : Companies like the three major credit bureaus ( Equifax, Experian, and TransUnion ) that compile and sell consumer reports to Users of Consumer Reports : Entities like creditors, lenders, employers, and landlords who use consumer reports for decisions about credit, employment, insurance, and more. You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. 18 U.S. Code 241 - Conspiracy against rights U.S. Code Notes Authorities ( CFR ) prev | next If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same ; or If two or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than ten years, or both ; and if death results from the acts committed in violation of this section or if such acts include kidnapping or an attempt to kidnap, aggravated XXXX abuse or an attempt to commit aggravated XXXX abuse, or an attempt to kill, they shall be fined under this title or imprisoned for any term of years or for life, or both, or XXXX be sentenced to death. Inactive modal XXXX Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX a new complaint All complaints XXXX complaint Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Unable to get your credit report or credit score We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT TRANSUNION AND EXPERIAN HAVE DONE A GRAVE INJUSTICE TO ME The Executor of The Estate of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. HOW CAN THESE XXXX FACTIOUS ENTITY 'S DROP MY CREDIT SCORES FOR NOT XXXX, BUT XXXX CHARGEOFF 'S THAT I DISPUTED, HAD TO BE REMOVED. BY XXXX XXXX MY SCORES SHOULD HAVE INCREASED, BUT THESE XXXX XXXX ENTITY 'S REFUSE TO CORRECT MY SCORES. XXXX XXXX XXXX  DROPPED MY SCORES FOR XXXX CHARGEOFF 'S BEING REMOVED AND {$29.00} BEING USED ON A {$1600.00} CREDIT CARD, UNDER 10 % UTILIZATION OF CREDIT, BUT XXXX XXXX XXXX DROPPED MY SCORES!!! XXXX The Fair Credit Reporting Act ( FCRA ) is a crucial federal law that protects consumer rights related to credit reporting and personal information. Here 's a summary of its key aspects : XXXX. What the FCRA does XXXX XXXX and XXXX : Ensures that information in consumer reports is accurate and fair. Guards Privacy : Restricts who can access your credit reports and for what purposes. Provides XXXX Rights : Gives individuals access to their credit reports and the ability to dispute inaccuracies. 2. Who it covers The FCRA governs credit reporting agencies ( CRAs ), including the three major ones : Equifax , Experian, and TransUnion . It also applies to other entities that function as CRAs, such as private investigators, background check companies, and even college placement offices. 3. Key consumer rights Right to Know What's in Your File : Consumers can request and obtain all the information about them in a CRA 's files. Right to Dispute Inaccurate Information : If you find errors, you can dispute them, and the CRA must investigate and correct inaccuracies within a reasonable timeframe ( typically 30 days ). Right to Free Credit Reports : You are entitled to a free credit report from each nationwide CRA annually, according to MyCreditUnion.gov. Currently, they are offering free weekly reports through XXXX. Right to Notice of Adverse Action : If information in your credit report leads to a denial of credit, insurance, or employment, you must be notified and given the CRA 's contact information. Right to Restrict Affiliate Sharing : You can opt out of certain information sharing between affiliated companies. 4. Permissible purposes for accessing consumer reports Access to consumer reports is restricted to specific permissible purposes, including : Credit Decisions : Lenders use reports to assess creditworthiness. Employment Decisions : Employers need your written consent to access reports for employment purposes, according to XXXX XXXX. Insurance Underwriting : Insurance companies XXXX access reports for underwriting policies. Legitimate Business Need : In connection with transactions initiated by the consumer. XXXX. Obligations of data furnishers Businesses that provide information to CRAs ( data furnishers ) also have responsibilities under the FCRA : Accuracy and Completeness : Must ensure the information they provide is accurate and complete. Investigate Disputes : Required to investigate disputes received from CRAs about the accuracy of information they provided. Correct or Delete Inaccurate Information : Must promptly provide accurate information to the CRA and correct or delete information found to be inaccurate. XXXX. Penalties for violations Violating the FCRA can lead to legal consequences, including : Actual Damages : Compensation for provable harm caused by a violation. Statutory Damages : Damages ranging from {$100.00} to {$1000.00}, without needing proof of actual harm. Punitive Damages : Awarded to punish violators and deter future misconduct. Attorney 's Fees and Court Costs : If you win your case, these can be covered. The FCRA is a powerful tool for consumers to protect their financial well-being and privacy. Understanding your rights and the obligations of CRAs and data furnishers is crucial in navigating the world of credit and consumer reports. Removal of Accurate Charge-offs : A legitimate charge-off will be removed from your credit report after XXXX years. When it's removed, your credit score should improve. Removal of Inaccurate Charge-offs : If a charge-off is inaccurate, you can dispute it with the credit bureaus. If the charge-off is found to be inaccurate or unverifiable, it will be removed, and your score should improve. Attachments XXXX XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX Karma.jpg ( XXXX KB ) View full complaint Sent to company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. Company still working XXXX XXXX response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. COMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We will review your complaint and act accordingly. Once the review is complete, a final response will be forwarded to you to view. For additional assistance, you XXXX call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you XXXX visit : http : //www.experian.com/blogs/ask-experian. Please note that you XXXX also submit your request or documents supporting your claim electronically at www.experian.com/upload. You XXXX also visit XXXX dispute center by visitingwww.experian.com/dispute. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer disputes swiftly and to take each one seriously. We appreciate you letting us know about your experience with Experian. Potential fraud XXXX XXXX responded there XXXX be potential fraud involved on XX/XX/XXXX We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. What do I do? You can contact the company directly for more information. If you have been the victim of a scam, you are not alone. There are resources available to help you. XXXX XXXX XXXXXXXX XXXX set up the XXXX XXXX XXXX XXXX to assist consumers with fraud. You can call them at XXXX or visit www.fraud.org. If the scam was Internet-based, you can review information about Internet-based scams and file an online report at IC3.gov. The Internet Crime Complaint Center is a partnership between the Federal Bureau of Investigation and the XXXX XXXX XXXX XXXX XXXX. You can also use the following government agency websites to get information on fraud, safety, and identify theft : Scams and frauds at XXXX XXXX and safety at FBI.gov Consumer information at FTC.gov Privacy Act Statement XXXX # XXXX Note on user experience Have a question? XXXX? ( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Monday through Friday ( except federal holidays ). More than XXXX languages available. XXXX Flag An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail Attachments 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 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  ) View full complaint Sent to company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany still working XXXX XXXX response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. \n\nCOMPANY 'S INTERIM RESPONSE We received your complaint about the items in your credit report, and apologize for any difficulty you XXXX have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( XXXX ) days from the date you submitted your request. \nCompany responded XXXX XXXX responded on XX/XX/XXXX Response type Closed with explanation XXXX 's Response We have reviewed your complaint along with any additional information you provided regarding this issue. The complaint concerns a credit report belonging to someone other than yourself. In order to process the complaint, a letter was sent to both you and the subject consumer via mail requesting that you provide TransUnion with proof of XXXX of Attorney that authorizes you to obtain the credit information of the subject consumer by XX/XX/XXXX. At this time we have not received the requested documentation, therefore the attempt to obtain XXXX of Attorney was unsuccessful. Without any legally binding document, TransUnion can not take further action on the complaint. \nXXXX requested XXXX XXXX requested on XX/XX/XXXX Feedback due XX/XX/XXXX Provide feedback about the companys response We welcome your feedback on how the company responded to your complaint. You will have 60 days from when the company responded to share your feedback. The CFPB will share your feedback responses with the company and use the information to help the CFPBs work with consumer complaints. \n\nSubmit your feedback Closed The CFPB has closed your complaint. \nPrivacy XXXX XXXX XXXX # XXXX Note on user experience Have a question? XXXX? \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Monday through Friday ( except federal holidays ). \nMore than 180 languages available.\n\nUS Flag An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail","date_sent_to_company":"2025-11-04T22:06:30.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"17008191","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-04T22:06:03.000Z","state":"LA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Attorney 's Fees and Court Costs : If you win <em>your</em> case, these can be covered. The FCRA is a powerful tool for consumers to protect their financial well-being and privacy. Understanding <em>your</em> rights and the obligations of CRAs and data furnishers is crucial in <em>navigating</em> the world of <em>credit</em> and consumer reports. Removal of Accurate Charge-offs : A legitimate charge-off will be removed from <em>your</em> <em>credit</em> report after XXXX years. When it's removed, <em>your</em> <em>credit</em> score should <em>improve</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on <em>your</em> report"]},"sort":[6.8757834,"17008191"]},{"_index":"complaint-public-v1","_id":"17014458","_score":6.8683395,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am FILING on my own behalf for this Dispute at hand.This Dispute was never investigated by cfpb. XXXX AND EXPERIAN, AND XXXX HAVE NOT CONDUCTED THOROUGH INTERNAL INVESTIGATIONS OF DISPUTES THAT I HAVE FILED. ALL EVIDENCE IS INCLUDED IN THIS DISPUTE THAT PROVES CORRUPTION ON BEHALF OF ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS EXPERIAN, XXXX  AND EQUIFAX!! ! XXXX MY SCORES NEED TO BE RECALCULATED BY ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS XXXX, EQUIFAX, ANXXXX XXXX  IMMEDIATELY!! ! XXXX XXXX XXXX XXXX XXXX XXXX NOT CAPABLE OF CONDUCTING THOROUGH INTERNAL INVESTIGATIONS OF DISPUTES, PRACTING XXXX XXXX ACTIVITIES ON THE MASSES WITH XXXX XXXX XXXX PERSUING UNHAPPINESS AND STRUGGLE. YOU WILL BE STRUCT DOWN LIKE THE XXXX AND XXXX YOU ARE WITH THE SWIFTNESS OF THE XXXX. ALL THREE ENTITIES INVOLVED THEMSELVES IN ( CONSPRIRACY ) 18 USC Section 241 ( CONSPIRACY )!!! 369 The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies ( CRAs ).\n\nYou can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information.\n\nWho is Covered by the FCRA Consumer Reporting Agencies ( CRAs ) : Companies like the three major credit bureaus ( XXXX Experian, and TXXXX  ) that compile and sell consumer reports to Users of Consumer Reports : Entities like creditors, lenders, employers, and landlords who use consumer reports for decisions about credit, employment, insurance, and more. \nYou can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. \nXXXX EXPERIAN, AXXXX XXXX XXXXEMOVED MY XXXX CREDIT CARD ACCOUNT # XXXX WITHOUT PERMISSION, TO DO DETRIMENTAL HARM TO MY CREDIT SCORES, AND CONSPIRING WITH EXPERIAN ANXXXX XXXX XXXX XXXXXXXX THE SAME WHICH IS A VIOLATION OF 18 USC Section 241 ( CONSPIRACY )!! ! 369 18 U.S. Code Section 241, titled \" Conspiracy Against Rights, '' makes it a federal crime for two or more people to conspire to harm, threaten, or intimidate someone in the exercise or enjoyment of rights secured by the Constitution or laws of the United States. This includes actions taken to prevent someone from exercising a right or because they have exercised XXXX. Penalties for violations can include significant fines or imprisonment, with more severe consequences if certain serious crimes like kidnapping or attempted murder occur as a result of the conspiracy. Key Aspects of Section XXXX Conspiracy : The law focuses on an agreement or plan between XXXX or more individuals. Targeted Rights : The conspiracy must be against rights secured by the XXXX XXXX or federal laws. Intent : The perpetrators must intend to injure, threaten, or intimidate a person in the exercise of these rights. Scope : It prohibits actions that hinder a person from exercising a right, or punish them for having done so. Consequences : Violations can lead to significant fines or imprisonment, with increased penalties for offenses involving kidnapping, aggravated XXXX abuse, or attempted murder. How it Differs from Section XXXX It's important to distinguish Section XXXX from Section XXXX. While Section XXXX addresses conspiracies against rights, Section XXXX targets individuals who, acting \" under XXXX of law '' ( meaning with the authority of a government official ), willfully deprive a person of their rights. The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of personal information in the files of credit reporting agencies ( CRAs ). It establishes consumer rights to access and dispute information in their credit reports, limits the entities that can access this information, and mandates procedures for how CRAs and the users of their information must operate. Key rights include the ability to obtain free credit reports annually, receive adverse action notices, dispute inaccuracies, and place fraud alerts on your credit file. Key Provisions & Consumer Rights Access to Your Credit Report : You are entitled to a free copy of your credit report from each of the XXXX major CRAs ( Experian, XXXX XXXX XXXX XXXX XXXXnce every 12 months. Adverse Action Notices : If you are denied credit, employment, or other services based on information in your credit report, you must be notified and informed of the specific CRA that supplied the report. Dispute Inaccuracies : You have the right to dispute any inaccurate, incomplete, or outdated information in your credit report and have the CRA investigate and correct it. \n\n\nExperian has been accused of improperly reinserting previously deleted or disputed information back onto consumer credit reports, often under a different furnisher 's name, without proper investigation or verification. \n\nOver-reliance on furnishers : The Consumer Financial Protection Bureau ( CFPB ) has stated that Experian often over-relies on furnishers ' responses to disputes, even when Experian possesses information that contradicts the furnisher 's claims or when the furnisher is known to be unreliable. \n\nFailure to investigate disputes thoroughly : The CFPB has also alleged that Experian 's dispute investigation process is inadequate, failing to properly consider consumer-provided documentation and other information that contradicts the furnisher 's claims. \n\n\" Sham investigations '' : The CFPB has specifically accused Experian of conducting \" sham investigations '' where they give the appearance of investigating disputes without actually conducting a thorough and impartial review of the information, according to the CFPB. \n\nMixing consumer files : Experian has also been accused of mixing consumer files, leading to incorrect information being reported on a consumer 's credit report, as seen in XXXX v. Experian case. \n\nImpact on consumers : These inaccurate reports can lead to denial of loans, higher interest rates, and other negative consequences for consumers. \n\nXXXX XXXX v. Experian. XXXX XXXX his Chapter XXXX bankruptcy in XX/XX/XXXX. Despite the bankruptcy being XXXX, Experian failed to report the discharge date. Plaintiff disputed to Experian but Experian verified the inaccurate information as correct. \n\nXXXX v. Experian. XXXX XXXX. The XXXX has an inaccurate account reporting on her Experian credit report. The XXXX has never had an XXXX account listed on the Experian credit report. The XXXX disputed with Experian several times, but the account continued to be verified. As a result of this accounts reporting, Plaintiffs mortgage loan application was put on hold. \nThe Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection, dissemination, and use of consumer credit information to promote the accuracy, fairness, and privacy of consumer reports. It grants consumers rights, such as accessing their credit reports, disputing errors, and placing fraud alerts or security freezes on their files, while also imposing responsibilities on furnishers of information and users of credit reports. \n\n\nInactive modal XXXX Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX a new complaint All complaints XXXX complaint Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Problem with a company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT THIS DISPUTE WAS NEVER ABOUT IDENTITY THEFT, IT WAS ABOUT CORRECTION OF MY CREDIT SCORES WITH ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS : [ CFPB, EXPERIAN, XXXX XXXX XXXX XXXX AND CORRUPTION THAT CFPB, XXXX EXPERIAN, AND XXXX TOOK PART IN, ALSO DOING DETRIMENTAL HARM TO MY CREDIT REPORTING SCORES. I SUBMITTED ALL THE EVIDENCE TO PROVE MY DISPUTE, IF REAL THOROUGH INTERNAL INVESTIGATIONS ARE CONDUCTED BY ALL ENTITIES INVOLVED!! ! XXXX I ASK FOR A RECALCULATION OF MY CREDIT SCORES IMMEDIATELY ALONG WITH THOROUGH TRANSPARENCY AND UPDATION OF CORRECT SCORES IMMEDIATELY!! ! XXXX NON-COMPLIANCE CFPB NON-COMPLIANCE TXXXX  NON-COMPLIANCE XXXX NON-COMPLIANCE EXPERIAN CFPB AND ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS EXPERIAN, XXXX XXXX XXXX  NEVER CONDUCTED THOROUGH INTERNAL INVESTIGATIONS INTO THIS MATTER AT HAND OF CORRECTING MY CREDIT SCORES ON ALL CREDIT REPORTING WITH XXXX XXXX  AND EXPERIAN!! ! XXXX UNDER THE FAIR CREDIT REPORTING ACT IT STATES THAT THESE FACTIOUS ENTITIES SELL, CONSPIRE TO DO DETRIMENTAL HARM TO MINORITIES OF ALL COLORS WITHOUT PERMISSION OF THE CONSUMER. I HAVE A DISPUTE WHICH I ATTACHED SHOWS THAT CFPB AND ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS EXPERIAN, XXXX XXXX XXXX FAILED HORRIBLY TO DO IT'S DUE DILIGENCE OF CONDUCTING FAIR THOROUGH INTERNAL INVESTIGATIONS OF ALL THREE BUREAUS EXPERIAN, XXXX XXXX XXXX XXXX XXXXhe Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies ( CRAs ). You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. Who is Covered by the FCRA XXXX XXXX XXXX ( CRAs ) : Companies like the XXXX major credit bureaus ( XXXX, Experian, and XXXX  ) that compile and sell consumer reports to Users of Consumer Reports : Entities like creditors, lenders, employers, and landlords who use consumer reports for decisions about credit, employment, insurance, and more. You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. 18 U.S. Code 241 - Conspiracy against rights U.S. Code Notes Authorities ( CFR ) prev | next If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, XXXX, Possession, or XXXX in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same ; or If XXXX or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than XXXX years, or both ; and if death results from the acts committed in violation of this section or if such acts include kidnapping or an attempt to kidnap, aggravated XXXX abuse or an attempt to commit aggravated XXXX abuse, or an attempt to kill, they shall be fined under this title or imprisoned for any term of years or for life, or both, or XXXX be sentenced to death. Inactive modal XXXX Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX a new complaint All complaints XXXX complaint Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Unable to get your credit report or XXXX XXXX We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINXXXX XXXX XXXXD EXPERIAN HAVE DONE A GRAVE INJUSTICE TO ME The Executor of The Estate of XXXX XXXX XXXX and [ The XXXX Clan ]. HOW CAN THESE XXXX FACTIOUS ENTITY 'S DROP MY CREDIT SCORES FOR NOT XXXX, BUT XXXX CHARGEOFF 'S THAT I DISPUTED, HAD TO BE REMOVED. BY XXXX XXXX MY SCORES SHOULD HAVE INCREASED, BUT THESE XXXX XXXX ENTITY 'S REFUSE TO CORRECT MY SCORES. XXXX XXXXD EXPERIAN DROPPED MY SCORES FOR XXXX CHARGEOFF 'S BEING REMOVED AND {$29.00} BEING USED ON A {$1600.00} CREDIT CARD, UNDER 10 % UTILIZATION OF CREDIT, BUT XXXX  AND EXPERIAN DROPPED MY SCORES!!! XXXX The Fair Credit Reporting Act ( FCRA ) is a crucial federal law that protects consumer rights related to credit reporting and personal information. Here 's a summary of its key aspects : XXXX. What the FCRA does XXXX XXXX and XXXX : Ensures that information in consumer reports is accurate and fair. Guards Privacy : Restricts who can access your credit reports and for what purposes. Provides XXXX Rights : Gives individuals access to their credit reports and the ability to dispute inaccuracies. XXXX Who it covers The FCRA XXXX credit reporting agencies ( CRAs ), including the XXXX major ones : XXXX  XXXX Experian, and XXXX XXXX It also applies to other entities that function as CRAs, such as private investigators, background check companies, and even college placement offices. XXXX. Key consumer rights Right to Know What's in Your File : Consumers can request and obtain all the information about them in a CRA 's files. Right to Dispute Inaccurate Information : If you find errors, you can dispute them, and the CRA must investigate and correct inaccuracies within a reasonable timeframe ( typically 30 days ). Right to XXXX XXXX Reports : You are entitled to a free credit report from each nationwide CRA annually, according to XXXX. Currently, they are offering free weekly reports through XXXX. Right to Notice XXXX XXXX XXXX : If information in your credit report leads to a denial of credit, insurance, or employment, you must be notified and given the CRA 's contact information. Right to Restrict Affiliate Sharing : You can opt out of certain information sharing between affiliated companies. XXXX. Permissible purposes for accessing consumer reports XXXX to consumer reports is restricted to specific permissible purposes, including : Credit Decisions : Lenders use reports to assess creditworthiness. Employment Decisions : Employers need your written consent to access reports for employment purposes, according to XXXX XXXX. Insurance Underwriting : Insurance companies XXXX access reports for underwriting policies. Legitimate Business Need : In connection with transactions initiated by the consumer. XXXX. Obligations of data furnishers Businesses that provide information to CRAs ( data furnishers ) also have responsibilities under the FCRA : Accuracy and Completeness : Must ensure the information they provide is accurate and complete. Investigate Disputes : Required to investigate disputes received from CRAs about the accuracy of information they provided. Correct or Delete Inaccurate Information : Must promptly provide accurate information to the CRA and correct or delete information found to be inaccurate. XXXX. Penalties for violations Violating the FCRA can lead to legal consequences, including : Actual Damages : Compensation for provable harm caused by a violation. Statutory Damages : Damages ranging from {$100.00} to {$1000.00}, without needing proof of actual harm. Punitive Damages : Awarded to punish violators and deter future misconduct. Attorney 's Fees and Court Costs : If you win your case, these can be covered. The FCRA is a powerful tool for consumers to protect their financial well-being and privacy. Understanding your rights and the obligations of CRAs and data furnishers is crucial in navigating the world of credit and consumer reports. Removal of Accurate Charge-offs : A legitimate charge-off will be removed from your credit report after XXXX years. When it's removed, your XXXX XXXX should improve. Removal of Inaccurate Charge-offs : If a charge-off is inaccurate, you can dispute it with the credit bureaus. If the charge-off is found to be inaccurate or unverifiable, it will be removed, and your score should improve. Attachments 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 XXXX XXXX XXXX  View full complaint Sent to company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. Company still working XXXX XXXX response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. COMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We will review your complaint and act accordingly. Once the review is complete, a final response will be forwarded to you to view. For additional assistance, you XXXX call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you XXXX visit : http : //www.experian.com/blogs/ask-experian. Please note that you XXXX also submit your request or documents supporting your claim electronically at www.experian.com/upload. You XXXX also visit XXXX dispute center by visitingwww.experian.com/dispute. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer disputes swiftly and to take each one seriously. We appreciate you letting us know about your experience with Experian. Potential fraud XXXX XXXX responded there XXXX be potential fraud involved on XX/XX/XXXX We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you XXXX have been a victim of fraud. What do I do? You can contact the company directly for more information. If you have been the victim of a scam, you are not alone. There are resources available to help you. The XXXX XXXX XXXX set up the XXXX XXXX XXXX XXXX to assist consumers with fraud. You can call them at XXXX or visit www.fraud.org. If the scam was Internet-based, you can review information about Internet-based scams and file an online report at XXXX. The XXXX XXXX XXXX XXXX is a partnership between the Federal Bureau of Investigation and the XXXX XXXX XXXX XXXX XXXX. You can also use the following government agency websites to get information on fraud, safety, and identify theft : Scams and frauds at XXXX XXXX and safety at XXXX XXXX XXXX at XXXX Privacy Act Statement XXXX # XXXX Note on user experience Have a question? XXXX? ( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXX XXXX a.m. to XXXX p.m. XXXX, Monday through Friday ( except federal holidays ). More than XXXX languages available. XXXX Flag An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail Attachments 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXXXXXX XXXX  ) View full complaint Sent to company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany still working XXXX XXXX response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. \n\nCOMPANY 'S INTERIM RESPONSE We received your complaint about the items in your credit report, and apologize for any difficulty you XXXX have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( XXXX ) days from the date you submitted your request. \nCompany responded XXXX XXXX responded on XX/XX/XXXX Response type Closed with explanation XXXX 's Response We have reviewed your complaint along with any additional information you provided regarding this issue. The complaint concerns a credit report belonging to someone other than yourself. In order to process the complaint, a letter was sent to both you and the subject consumer via mail requesting that you provide XXXX  with proof of XXXX of Attorney that authorizes you to obtain the credit information of the subject consumer by XX/XX/XXXX. At this time we have not received the requested documentation, therefore the attempt to obtain XXXX of Attorney was unsuccessful. Without any legally binding document, XXXX  can not take further action on the complaint. \nXXXX requested XXXX XXXX requested on XX/XX/XXXX Feedback due XX/XX/XXXX Provide feedback about the companys response We welcome your feedback on how the company responded to your complaint. You will have 60 days from when the company responded to share your feedback. The CFPB will share your feedback responses with the company and use the information to help the CFPBs work with consumer complaints. \n\nSubmit your feedback Closed The CFPB has closed your complaint. \nPrivacy XXXX XXXX XXXX # XXXX Note on user experience Have a question? XXXX? \n( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Monday through Friday ( except federal holidays ). \nMore than XXXX languages available. \nXXXX Flag An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail","date_sent_to_company":"2025-11-04T22:06:30.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"17014458","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-04T22:06:03.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Attorney 's Fees and Court Costs : If you win <em>your</em> case, these can be covered. The FCRA is a powerful tool for consumers to protect their financial well-being and privacy. Understanding <em>your</em> rights and the obligations of CRAs and data furnishers is crucial in <em>navigating</em> the world of <em>credit</em> and consumer reports. Removal of Accurate Charge-offs : A legitimate charge-off will be removed from <em>your</em> <em>credit</em> report after XXXX years. When it's removed, <em>your</em> XXXX XXXX should <em>improve</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on <em>your</em> report"]},"sort":[6.8683395,"17014458"]},{"_index":"complaint-public-v1","_id":"9462383","_score":6.2347856,"_source":{"product":"Mortgage","complaint_what_happened":"In late XXXX, we experienced a significant, temporary loss of income and several concurrent major household expenses ( replacement of the whole house generator, paving a section of our driveway, furnace replacement, and replacement of our oven/microwave ). Recognizing the seriousness of the situation and with a deep desire to maintain our home, we contacted our servicer, AmeriHome Mortgage, to apply for temporary mitigation of our VA insured loan. \n\nThe management of this process has been unduly delayed, haphazard, predatory, and damaging to our financial and professional wellbeing. \n\nIn XXXX, I concluded that we were facing difficult circumstances and that my employment situation would take some months to reset. I sought assistance from AmeriHome Mortgage. Confident that we would recover, I based my estimate of assistance needed on the XXXX XXXX XXXX XXXX Executives study that showed the average time to a new position for someone in my position is 18 months. \n\nIn mid-XXXX  XXXX, I requested to apply for mitigation. A packet was sent via USPS, dated XXXX XXXX and a duplicate emailed on XXXX XXXX. I then submitted a Mortgage Assistance Application. \n\nOn XXXX XXXX, a request for supporting documents was sent to us. These documents were provided and on XXXX XXXX, the application was resubmitted and receipt acknowledged. At this time, we estimated the financial difficulties would resolve within six months. \n\nDuring this time, delinquency letters were sent, dated XXXX XXXX, XXXX XXXX, and XXXX XXXX. While cause for concern, I was confident that this would not be an issue because I was proactively in contact with our loan servicer and taking steps to resolve our circumstances in a positive manner. \n\nWe subsequently received a letter stating : Your application is complete as of XX/XX/XXXX and no further information is needed at this time. While a weighty concern, I was confident in a successful resolution. We subsequently received, on XXXX XXXX, both the HUD notice of potential foreclosure and a notice of default that offered options for mitigation options I had already pursued. This was followed by another notice of pending foreclosure on XXXX XXXX and a XXXX XX/XX/XXXX correspondence offering options to cure the delinquency. \n\nCurious as to the status of our application, I called customer service on XXXX XX/XX/XXXX and was advised to call back the following week. During my XXXX XX/XX/XXXX call, I was informed that it would take a week to ten days for a decision for be forthcoming. This exchange would be repeated multiple times over the coming months, with my being advised each time that a decision would be forthcoming within days. \n\nIn late XX/XX/XXXX, we were again requested to file a Uniform Borrower Assistance Form and to resubmit supporting documents that had expired while in the servicers queue. These were provided on XXXX XXXX. On XXXX XXXX, receipt of the second application was provided, replacing the same information that was termed as expired by the servicer. At this time, we indicated the expected length of the financial difficulty would be 6 to 12 months. \n\nLater that month, we were again requested to submit another Uniform Borrows Assistance Form, providing for the fourth time essentially the same information. On XXXX XXXX, we were again advised that our application was complete. \n\nOn XXXX XXXX, we were happy to receive notice of granting of a three-month forbearance, but alarmed that the grace period was only for XXXX to the end of XXXX. This ignored the period XX/XX/XXXX through XX/XX/XXXX, which is within the period of mitigation application. This also resulted in our loan being reported as greater than 90 days delinquent, despite our haven taken steps to facilitate a positive outcome. \n\nOn XXXX XX/XX/XXXX, I sent, via email to XXXX, an inquiry about the period between when I applied for mitigation and when a decision was reached. I did not receive either acknowledgement of receipt or a response until automated telephone calls began at the end of XXXX. \n\nI contacted the servicer and was told that, even though we ha requested mitigation, ( 1 ) the credit report record of delinquency would stand because payments were not rendered and ( 2 ) the delay in adjudication was due to incomplete or expired information. When I pointed out that the supporting documents were submitted, I was told they were not. \n\nI further inquired regarding the three month forbearance versus the 6 to 12 month period of difficulty and was told I would have to file another application for mitigation to take effect after the three month forbearance ended on XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX, we submitted a fifth Uniform Borrower Assistance Form with attachments. During the first week in XXXX, we received yet another request for submission of a Uniform Borrower Assistance Form and supporting documents. These were provided -- for the sixth time. \n\nAlso note that in XXXX, AmeriHome reported the mortgage 150 days late, despite this being within the approved forbearance period. Documents demonstrating these activities are enclosed with this filing. \n\nOne might assume that the purpose of loan mitigation is to allow continuation of home ownership. It is counterproductive, then, to delay decision on a request initiated in XXXX until XXXX, then deny any forbearance for that period. Nor is the utility evident of granting a three month forbearance for a problem projected to last for six to twelve months ; and reporting an increase in delinquency during the forbearance. \n\nWe ask for positive consideration for several cogent reasons. The primary reason is that we hold significant equity in our home. Our current balance is approximately {$800000.00}. Our home was recently appraised by the county at approximately {$1.00} XXXX, more than enough to support a home equity line of credit to make the mortgage current with a single payment. Of note, a similar home, but with fewer amenities, immediately next door sold on XXXX XX/XX/XXXX for {>= $1,000,000}. \n\nThe problem is no lender will offer a note to someone with a 150 day mortgage delinquency. \n\nI have been actively and aggressively seeking gainful employment in an amazingly competitive market. I have been able to secure increased income, but it will take 30 to 60 days to become effective. \n\nWe occupy our home, our primary and only residence. We greatly wish to retain ownership and to return to currency on our mortgage. When I spoke with AmeriHome customer service on XXXX  XXXX, I was informed that the decision on mitigation was delayed because the application was incomplete. This is neither accurate nor seemingly fair. The acknowledgements of receipt repeatedly stated that the application was complete, as noted above. The submissions and supporting documents were essentially identical each time. While we were unable to fulfil our financial obligations at the time, we also reached out in a timely manner to secure alternative arrangements as specified on the servicers web site. The lack of progress on adjudication in the face of our temporary inability to meet our obligations has rendered us unable to recover for the foreseeable future. It has also had a cascading negative effect on our credit and finances. Several lines of credit have been closed, which, in turn, reduces our credit scores. Moreover, my wife is in the final six months of her graduate program that will improve our financial status. Her federally guaranteed student loan was denied due to the 90 day delinquency ( letter enclosed ). Left unresolved, she will not be able to complete her studies. \n\nLoss of our home would not adversely impact our servicer, as that obligation would easily be met should we be forced to leave this property. It would, however, have a decidedly adverse impact on us as a family. While I recognize that the mortgage company is not a charity, one would hope the lender could offer flexibility to allow continued home ownership, acknowledging that the lender suffers no damage as we remain liable for accumulated interest during the forbearance. \n\nPut colloquially, we did our part to navigate an unfortunate situation. We would hope the lender could do the same. We ask that the forbearance period begin when it was requested and the adverse credit report be withdrawn. This will allow us to secure a HELOC and make this account current. \n\nRespectfully,","date_sent_to_company":"2024-07-09T19:07:50.000Z","issue":"Struggling to pay mortgage","sub_product":"VA mortgage","zip_code":"208XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"9462383","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AmeriHome Mortgage Company, LLC","date_received":"2024-07-09T18:59:47.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"An existing modification, forbearance plan, short sale, or other loss mitigation relief"},"highlight":{"complaint_what_happened":["It has also had a cascading negative effect on our <em>credit</em> and finances. Several lines of <em>credit</em> have been closed, which, in turn, reduces our <em>credit</em> scores. Moreover, my wife is in the final six months of her graduate program that will <em>improve</em> our financial status. Her federally guaranteed student loan was denied due to the 90 day delinquency ( letter enclosed ). Left unresolved, she will not be able to complete her studies."]},"sort":[6.2347856,"9462383"]},{"_index":"complaint-public-v1","_id":"5474734","_score":6.0813317,"_source":{"product":"Mortgage","complaint_what_happened":"I hope this email finds you well. I'm writing to you concerning my dealings with Sun West Mortgage Company. Our entire closing process and the events leading up to it were grossly mishandled and perhaps illegal. With information at times seeming to be deliberately misleading throughout the process. \n\nWe started our process with S.W.M.C.  XX/XX/XXXX, with it ending in no deal XX/XX/XXXX. The number one issue, they dont date their rate lock, so you are flying blind as to the terms that you are agreeing to. Even all their documentation will reflect the same rate right up until the end. To complicate matters further as, we were asked to improve our property as we were getting a cash out refinance, which cost us $ XXXX in repairs and {$900.00} in appraisals.Given the length of the process, we had a changed financial situation, that had they known their own policies would have shown we were no longer eligible but were still dragged along through the process for months. Please see the following information and pasted communication for a details. \n\nXX/XX/XXXX, after shopping for a rate settled on 2 competing financial institutions-SWMC and XXXX XXXX XXXX. In trying to appeal to us that SWMCs mortgage was a superior product and company A, their mortgage consultant, asked me to ask XXXX XXXX XXXX the following via email on XXXX Do you know if they quoted you on a 30-day rate lock or 45-day rate lock? I ask because appraisals ( like we discussed ) are taking a little longer. Therefore, I wouldn't want them to charge extension fees since it'll most likely go over 30 days. I would just confirm : ). \n\nThis was also mentioned in a email from A  dated XX/XX/XXXX We don't have any lender fees unless you choose a rate with a discount point. We have no origination fee, no application, rate lock, credit pull, etc. fees. We also service your loan, so things stay in house. The only other fees would be the appraisal, title work, and establishing your new escrow account. \n\nLater I found that SWMC also charge extension fees, whilst the implication from As emails imply that is what separates SWMC from competitors. I secured and locked on XXXX 2.875 % over 30yrs, with a $ XXXX cash out for renovating our home. \n\nOur home was appraised, I then received the following email from XXXX   XXXX Unfortunately, since those are major renovations, the appraiser can't properly place a value on the property since the renovations can at any time be stopped. They aren't allowed to take the cash-out refinance into the equation when assessing value. If it were smaller projects, like a coat of paint or changing something minor out, the appraisers can sometimes use discretion. However, since major elements to a \" functioning '' home are missing/still being worked on in regards to the appraisal standards, there will have to be a follow up check in from XXXXhe appraiser once they are completed.\n\nThere are two options : 1 ) We can continue the lock & once repairs listed by the appraiser are complete, we can close. There will be lock extension fees associated.\n\n2 ) Or we can cancel the lock for now, while you finish repairs listed, and then we re-lock & process the refinance.\n\nI elected to hold the lock and secured a contractor. Then A left\nthe company and our file was passed onto XXXX. This was my email XX/XX/XXXX to XXXX- Hi XXXX, I saw that you've taken over our cash out refinance. Welcome! Given we have a few things we have to fix until the appraiser can make a final calculation. I was wondering how much the extension fees are if there are any? I believe our lock in date expired the XXXX. We are getting the cash out refi to finish our renovations, so that means we are in the midst of renovating. I'm hoping to get the work the appraiser recommended completed within 2/3 weeks.\n\nWill the extension be pending upon the return of the appraiser and do we know how long that could be?\n\nIf you need to jump on a call this week to be caught up, I'm free. Feel free to review the email from XXXX below also. \n\nWe signed more documents but still hadnt heard from XXXX, so I sent him this email dated XX/XX/XXXX Hi Everyone, I was just sent this updated disclosure requiring another fee. Could someone tell me what it's for a what the parameters are of the fee in terms of what it includes ie. how long it extends our rate etc? \nMany Thanks, XXXX   On the XX/XX/XXXX for some strange reason XXXX replied to my question to my husbands email the following XXXX : Your lock is due to expire on XX/XX/XXXX. Can you please give me a status on the following repairs? \nCompletion of the master bathroom, installation of the crawl space skirting and interior paint as needed. \nBased on the time you are expecting it would take for repairs to be completed, we would need to decide whether we should let the lock expire or extend it. Extension cost is {$70.00} per day. Please let me know. \n\nMy reply the same day- We were just sent this updated disclosure requiring another fee of some {$1200.00}. Could someone tell me what the fee is for? \nI saw that XXXX  mentioned to J that the extension would cost approximately $ XXXX day. We are waiting to lock in our contractors so we have a better idea of how long it could take to reschedule the appraiser.\n\nCould someone tell me how the rates have changed since the lock, and also if we have to go through the whole credit check thing again and what else is involved if we start the process later in the month all over again? \n\nBetween XX/XX/XXXX and XX/XX/XXXX I went back and forth with XXXX assistant who informed me XXXX would have to explain what the fee was for, so I wait and then email him again. \n\nIn the meantime my husband was made redundant on the XX/XX/XXXX. But I dont hear from XXXX for 10 days, so on XX/XX/XXXX I reach out- Hi XXXX, I was wondering if we could jump on a call today? We should have our work completed by the end of the month at the latest. Given that the rates are going up we would like to continue with the lock, but I would like to discuss with you what the {$1200.00} fee was for, we haven't signed that yet. \n\nNo response, I contact his assistant XXXX, that Im concerned about the lack of communication so another assistant-XXXX  reaches out to me via phone and then sends this email the same day stating- As discussed I will have your lock extended to the end of the month ( Friday, XX/XX/XXXX ) for closing. There will be an extension cost but we will waive the relock costs. \nThe revised XXXX  will be sent to you once this update is processed. \n\nThen XXXX asks me about my husbands work status, I email stating the XX/XX/XXXX Apologies for not informing you guys of our most recent situation, I wasnt totally aware I had to inform you immediately as XXXX  got a payout for a few weeks and weve had a lot going on trying to get the house completed for the evaluation. So XXXX was paid out from ( company name ) until the end of XXXX I believe, and he is on his XXXX interview for his a new role. I will keep you all apprised of the situation. If you have any suggestions as to how this can be navigated, Im all ears. \n\nOn XX/XX/XXXX XXXX  gets back to me via email- Thank you for the updates. Please be aware that the lock on your loan will expire on XX/XX/XXXX. Once we get closer to that time period, we will need to decide on what you want to do with the lock. All of that will depend upon where we stand with the repairs and the new job. When there is a change in job, the underwriter usually requires 1 month of paystub and the new job offer letter. \nBefore the lock expiration, we will need to make one of the following decisions : 1. Extend at a cost of {$70.00} per day, or 2. Relock at a future date, depending upon where the rates are at the time. \n\nI reply via email XX/XX/XXXX Thanksfor the update. Just so I know, if XXXX 's offer is delayed, is it possible to get someone to go guarantor to secure the loan? \n\nXXXX  via email XX/XX/XXXX 'You could add someone as a cosigner. Do you have someone in mind who could help with the qualification? We will need to take an application, run credit, and request and verify the income/ assets for that individual. \n\nI suggest my father in law. Then XXXX via email XX/XX/XXXX Thank you for your time over the phone. As soon as I hear back from XXXX  ( XXXX ), I will take his information and request him to provide necessary documents to get the loan moving forward. \n\nI email XXXX XX/XX/XXXX I understand that you're approaching your underwriter 's to see about approving my Father-In-Law as our guarantor. \nThe improvements to the house that the appraiser XXXX recommended will be completed and ready for inspection by this weeks end. \nAlso, could you please keep us apprised of any additional fees and the total associated with the extension? \nPlease advise of anything we can do on our end to expedite this process. \n\nNo response, so I email him again XX/XX/XXXX I just wanted to double check that you have all the information from XXXX  before he goes on his trip, tomorrow? Just in case the underwriter agrees to a guarantor. \nIf you could call me today that would be great, I have a meeting at XXXX XXXX  until XXXX, but other than that I'm free. \n\nOn XXXX reach out to XXXX assistants to ask if he has seen my email and that Im concerned as its time sensitive. They offer to review the file and come back with items my father in law needs to provide in order to proceed. Between XX/XX/XXXX and XX/XX/XXXX Im trying to understand if my father in law would be a guarantor or a co-signer so we know if he would have to be on the title or not. \n\nI then send assistant XXXX the following email on XXXX I hope you're well! I was wondering if you could give me some advice? Since XXXX has taken over our account the communication has been terrible. Do you know if we can request someone else take over the handling of ourmortgage? \n\nI receive a phone call from assistant XXXX  apologizing for the neglect of my account and that I dont need to worry about the rate, and that they can play around with the extension fees given how long the file is taking to be completed. \n\nI had questions about the details surrounding my father in law being a co-signer and not a guarantor and not an occupant. It took until the XX/XX/XXXX to have any of these questions answered, meanwhile Im concerned that we are paying each day an extension fee. The disclosures we are given do not detail any of the lock details and the rate of 2.875 % is all over our closing disclosures. \n\nIn the meantime theyre going over my father in law-XXXX  's financials to ensure he is credit worthy. They then ask if my husband has a job yet, which he doesnt, but that was the whole reason to put my father in law on the loan in the first place. \n\nXX/XX/XXXX they tell me they received the appraisal back. The appraiser doesnt inspect pier and beam, I have to organize another inspection, this time for the foundation. The same day we are required to pay a further {$200.00} to ensure the appraisal is up to date. \n\nXX/XX/XXXX my husband provides them with an employment offer letter. XX/XX/XXXX I send the foundation inspection letter, stating our foundation is sound. \n\nXX/XX/XXXX I ask if XXXX is still required to be on the loan, given my husband has secured work? \n\nOn XX/XX/XXXX I ask again. \n\nXX/XX/XXXX I receive a reply that my father in law is required to remain on the loan given we have charged all our renovations to our credit cards, his credit needs to counter our new credit rating. \n\nXX/XX/XXXX I resend XXXX offer letter. \n\nThe offer letter is sent with specific requests answered for and resent over. XXXX  senior recruiter in the HR department emails XXXX  an email on XX/XX/XXXX XXXX is honestly awful! Im so sorry youre dealing with this. I actually responded to two separate emails from them yesterday, and in both shared the information you mentioned below. ' Hoping to speed up the process I email the team on XX/XX/XXXX I've uploaded both XXXX   's XXXX statement and his first weeks paystub, I'm looking to get an employmentverification letter instead of an offer letter as XXXX  has already accepted the job and is now actively employed. \nLet me know if there is anything else need to get this finalized, if it goes into XXXX it will be 6-mths, which feels like a really long time for a loan. Please, if there's anything I can actively be doing, let me know. \n\nOn XX/XX/XXXX XXXX from XXXX emails me- Hello XXXX : Can you please give me a call so we can lock your rate and prepare the paperwork for closing? \n\nXXXX calls me at work and for the first time notifies me that we do not have a locked in rate. I tell him this is news to me given all the paper work always indicated the original rate offer. \n\nAll contracts and disclosures have stated the same rate over and over again. We sent the document to an experienced mortgage broker who informed us the documents were illegal, given they do not record the expiry date of the lock. \n\nWhen I speak to XXXX again, he informs me he can try and offer me something else, but along the same lines. He sends me documents to sign that change the terms to 15 years instead of the promised 30. He says he will try something else. \n\nOn XX/XX/XXXX I receive an email from the team I just received confirmation from our underwriting team that your loan is now ready to schedule closing. \n\nOn XX/XX/XXXX I reply to the whole team via email Hi Everyone, I don't want the current deal that XXXX tried to renegotiate-no cash out refi, 15 yr home loan and an outrageous rate an 8 % HELOC. \nI've looked up past correspondence, XXXX  is incorrect that my rate expired in XX/XX/XXXX. I would NEVER have continued with a loan without a lock. Please see the correspondencebelow and attached. Here I've asked questions regarding the rate and was aligned with the understanding expressed by Sun West, all following documentation that was given me right up until recently reflected this understanding of a 30yr cash out refi on 2.75 %. This is the deal I want without any cost to me, as that was what was originally agreed to. I have gone to an enormous effort to comply with every step and have gone into debt to renovate our home and to qualify for this loan. ' The same day they replied-They will review correspondence. \n\nXX/XX/XXXX I receive an email from the team asking if I can provide the land survey I have already provided. \n\nXX/XX/XXXX XXXX email team Hi everyone, The most recent document STILL has us down for 15 years, as I've expressed, I want the30 year. I don't want to pay close to $ XXXX After receiving more docs I email them again : Can you guys send me the proposed loan before I sign anything to do with Sun West ? I just got a Cash out refinance caution. \n\nI receive more revised docs XX/XX/XXXX and reply Hey Everyone, An extra XXXX in fees isn't going to work for us. The fact that you guys are still coming back to me after all this time ( yesterday! ) for a land survey shows the lack of attention paid to our account, going over the same information over and over again. \nYes, I had to add XXXX  to the account in XXXX but that took at the longest 30 days, aside from talking the underwriting team into accepting his docs and financial position. \nI've done this all before and have always been efficient in providing information. I understand XXXX XXXXs employment became a factor but with XXXX  as a co-signer I'm still unsure why it took so long. And when XXXX did have a job offer, the fact that the underwriting team dragged their feet in accepting XXXX XXXXs employment is not my problem, to that end, even his HR person said she had never had such trouble convincing a financial institution of someone's employment! \n\nI then send another email with the XXXX offer attached. \nAttached is the loan that was offered to us in XXXX which we all signed. \n\nOn XX/XX/XXXX I email XXXX SWMC manager, XXXX, and send her the following email- Hi XXXX, I hope this emailfinds you well. I'm writing to you concerning my dealings with XXXX in processing our cash-out refinance. The entire file has been grossly mishandled and the deal disclosed, misrepresented. As such I have been advised that I should file a complaint with the Consumer Financial Protection Bureau and have supporting documentation to verify my complaint. \nPlease find the attached correspondence. We had a highly experienced mortgage broker go over our \" non-cooling '' off disclosure that was sent to us XXXX XXXX ( which we all signed ), he said that it is highly suspect that there is no notification on the document of whether or not the rate is locked. \nXXXX  then called me on the XXXX XXXX XXXX the 3rdtime in 6 months to explain our rate expired in XX/XX/XXXX, when I have email correspondence fromSWMCthat confirms that the rate was extended until the end of XX/XX/XXXX. During a conversation with XXXX 's assistant, he could see that my file was being ignored and that there would be some leeway on an extension. Then I received the XXXX XXXXdocs, which were the original deal and signed them. \nOn the conversation on XXXX XXXX has tried to offer me a 15yr loan and an 8 % HELOC or the original loan that will cost me {$26000.00}. Most recently I have been offered a loan with the original rates for a cost of {$8000.00}. I want the deal that was sent to me on XX/XX/XXXX. \nPlease let me know whereSWMCstands on the matter, then I shall know how to proceed. I leave for XXXX this week and would like it wrapped up. \nBest, XXXX XXXX  replies same day XX/XX/XXXX HiXXXX I currently show this loan is locked at a cost of {$19000.00} so let mehave this reviewed asapto provide you with an update. My apologies for the delay so far but I am trying to get this resolved asap. \n\nI reply same day-That is too expensive for us XXXX  replies same day- I understand and the pricing is associated with the cost to extend the lock and with the market pricing worsening over the lastcouple of months this was the result. Obviously, if your loan doesn't close you don't pay these fees but let me see if anything can be done to reduce the cost. \n\nXX/XX/XXXX I receive a call for the first time from an underwriter at SWMC called XXXX, I ask him to email me what he has just stated over the phone. \nPer our conversation, Texas does not allow for a non occupant co borroweron a cash out loan. I am sending this email at your request. \n\nAfter this correspondence we sell our car, as XXXX is given a company car and it will lower our debt/income ratio XX/XX/XXXX I am sent a new offer in form of a document to sign I reply to the document the same day Hi XXXX We will be refusing the latest offer fromSWMC, $ XXXX for closing is egregious! Especially given we were notified for the first time yesterday, that my father in law can't even be on the loan. Which was part of the hold up on my end in the first place. So we spent all this time going back and forth over a topic that wasn't even a viability. \nThis has been one of the worst financial experiences of my life and feels as though the negligence is intentional so as to mislead a consumer and keep the financial options forSWMCfluid. \n\nXXXX   replies same day HXXXX XXXX, I just learned of this info as well and am still looking into why this informationwas not disclosed earlier. I know it is taking some time but pleasebelieveI am still workingon it. Also, there is nothing Sun West gains if your loan does not close but I need to research why information wasn't provided earlier. \n\nThat was where the matter was left. I heard nothing further from them","date_sent_to_company":"2022-05-09T17:40:19.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"78626","tags":null,"has_narrative":true,"complaint_id":"5474734","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SUN WEST MORTGAGE COMPANY, INC.","date_received":"2022-04-21T00:53:35.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["To complicate matters further as, we were asked to <em>improve</em> our property as we were getting a cash out refinance, which cost us $ XXXX in repairs and {$900.00} in appraisals.Given the length of the <em>process</em>, we had a changed financial situation, that had they known their own policies would have shown we were no longer eligible but were still dragged along through the <em>process</em> for months. Please see the following information and pasted communication for a details."]},"sort":[6.0813317,"5474734"]},{"_index":"complaint-public-v1","_id":"3978073","_score":6.0152044,"_source":{"product":"Debt collection","complaint_what_happened":"CREDIT AGENCIES AGREE TO WAIT BEFORE ADDING MEDICAL DEBT TO RATINGS XXXX XXXX XXXX NATIONWIDE RECOVERY SERVICES I demand a full accounting of services offered or performed by your client XXXX XXXX XXXX to validate this debt. I was never invoiced or given an 180-day notice to resolve to invoice will be placed with a debt collector as mandated by CFPB and all pertinent credit bureaus XX/XX/2015. \nAt this time I make the claim that the medical debt procured against me on any or all credit reporting agencies, should be deleted permanently. \nToo many consumers have learned the hard way that their credit rating can be tarnished by medical bills they may not owe or when disputes delay insurer payment. That should change under new policy agreed to this week by the three major credit reporting agencies.\n\nThe agencies say they will establish a 180-day waiting period before medical debt is added to someones credit report. In addition, the agencies agreed that when an insurer pays a bill, the debt will be promptly removed from the consumers credit report, unlike certain debts that remain for years. \nThe changes are part of a settlement between the credit rating agencies XXXX, XXXX and XXXX and the XXXX XXXX Attorney Generals office that aims to improve accuracy and enhance procedures for disputing credit report errors. The agreement covers consumers across the country.\n\nThe three agencies gather information from banks and collection agencies about consumers credit such as payment history and how much someone owes to credit score for more than 200 million individuals throughout the country. A persons credit score is used as a measure of credit worthiness, and can influence peoples ability to get loans and the interest rates they are charged, among other things. \nThis is going to help millions of people access more affordable loans, says XXXX XXXX, a principal at XXXX XXXX XXXX in XXXX XXXX, Mass. People will no longer be penalized for having a medical bill slip past them and get on their credit report even though the bill gets paid. \nInsurers sometimes wrangle with patients and providers for months before paying a bill. The new six-month waiting period will give consumers time to resolve such disputes, XXXX noted. \nMedical debt accounts for more that half of the collection items on credit reports, according to a report by the Consumer Financial Protection Bureau. Among people facing collection for only medical debt, about half have otherwise clean credit reports with no sign of past debt collection problems. \nCompany Mishandled Consumer Credit Reporting Disputes, Prevented Consumers From Exercising Debt Collection Rights WASHINGTON, D.C. Today, the Consumer Financial Protection Bureau ( CFPB ) announced an enforcement action against a medical debt collection company for mishandling consumer credit reporting disputes and preventing consumers from exercising important debt collection rights. These practices potentially affected the credit scores of thousands of individuals and caused consumers distress and confusion. The CFPB is ordering the company to provide over {$5.00} XXXX in relief to harmed consumers, correct its business practices, and pay a {$500000.00} penalty. \nXXXX XXXX XXXX mistreated consumers and prevented them from exercising critical debt collection rights, said CFPB Director XXXX XXXX. These violations are particularly egregious given the challenges many consumers already face who are attempting to navigate the medical debt maze. Today we are putting a stop to these illegal practices and getting consumers the relief they deserve. \nXXXX XXXX XXXX, XXXX, which does business as XXXX XXXX XXXX, is a debt collection agency that primarily collects medical debt on behalf of hospitals, doctors, and other healthcare providers. The company is an indirect subsidiary of XXXX XXXX XXXX, XXXX, which provides billing and other services to more than 600 hospitals nationwide. XXXX XXXX XXXX, a publicly traded XXXX services company based in XXXX, Texas, is the parent company of XXXX XXXX XXXX. \nCompanies that collect medical debt and supply this information to credit reporting agencies have a significant impact on consumers credit scores. More than XXXX XXXX Americans have medical debt adversely affecting their credit reports, and more than half of all overdue debt on consumer credit reports is from medical debt. A recent CFPB report found that the complex processes by which medical bills are incurred, collected by a wide range of debt collectors, and reported to credit reporting agencies can create unique challenges for consumers. The Bureau also found that medical debt can overly penalize consumer credit scores. \nAs part of its debt collection business, XXXX XXXX XXXX regularly supplies information on the status of its medical debt collection accounts to credit reporting agencies and is considered a furnisher under the Fair Credit Reporting Act. Credit reporting agencies track a consumers credit history and other consumer transactions based on information supplied by furnishers. The reports that credit reporting agencies sell are used in determining everything from consumer eligibility for credit to employment decisions. \nXXXX XXXX XXXX typically initiates collection efforts through letters and telephone calls to consumers. Within five days of their initial communication, debt collectors are generally required to send debt validation notices to alert consumers about their right to request proof that a debt is valid or dispute the debt. A CFPB investigation, however, uncovered that XXXX XXXX XXXX failed to send debt validation notices to thousands of consumers. \nThe CFPB also found that the company mishandled consumer credit reporting disputes by failing to investigate and respond to consumers within the 30-day timeframe required under the law. Because the company furnishes information related to past-due medical debt, the information consumers seek to dispute or validate has the potential to lower credit scores. \nThe CFPB order charges the company with violating the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. The violations specifically include : Mishandling consumer credit reporting disputes : XXXX XXXX XXXX failed to respond to more than 13,000 consumer credit report disputes within the 30-day timeframe required by law. On average, the company took more than 90 days to respond to consumers disputes and, in some cases, took over a year. Consumers spent time and money attempting to follow up on unresolved disputes and experienced distress and confusion due to the delays. The CFPB found that the company had no policies or procedures in place to investigate these consumer credit report disputes. Instead, the company treated consumer credit report disputes in the same way as other consumer complaints and had no deadline for responding. \nPreventing consumers from exercising important debt collection rights : XXXX XXXX XXXX failed to send debt validation notices to more than 10,000 consumers. During this time, the company continued to collect over {$2.00} XXXX from consumers who did not receive the notices. Failing to provide notices denies consumers the opportunity to assess whether the debt is valid and whether the amount or source is correct. These notices can be an especially important consumer safeguard with regard to medical debt, where issues like insurance reimbursements and medical billing processes are commonly fraught with complexity, confusion, and delay, and can lead to consumers being unsure of how much to pay or even whom to pay. \nTogether, these violations had the potential to harm thousands of consumers and in some cases, negatively impact their credit scores. This can hinder consumers ability to obtain credit or increase the rates they may pay for credit. In some cases, the company reported inaccurate information to the credit reporting agencies and then failed to provide a timely response to consumer disputes about the errors. Some consumers may also have been able to avoid negative information on their credit reports if they had known about their right to assess and dispute the debt in question. \nEnforcement Action To address these violations, the CFPB order requires XXXX XXXX XXXX to take the following actions : Provide over {$5.00} XXXX in relief to harmed consumers : XXXX XXXX XXXX must identify all affected consumers and provide monetary relief. Consumers who were never sent a debt validation notice and who made payments to the company will receive a full refund and have remaining account balances forgiven. The company will pay {$100.00} to consumers who were never sent a debt validation notice and did not make any payments to the company. The company must also pay damages ranging from $ XXXX {$1000.00} to each consumer who did not receive a timely response to his or her credit report dispute. The amount that each consumer receives will correspond to the duration of the companys delay in responding to the consumers credit report dispute. The company must submit a written plan to the CFPB for approval detailing how the company will identify affected consumers and provide relief. \nCorrect errors on credit reports : XXXX XXXX XXXX must identify all consumer accounts affected by its illegal business practices and fix any inaccuracies. The company must also update the account information it has furnished to the credit reporting companies and notify all affected consumers of this update, to the extent it has not already done so. \nEnd illegal credit reporting and debt collection practices : The company must cease its illegal business practices and develop new policies to comply with federal consumer credit reporting and debt collection laws. \nEstablish consumer safeguards : XXXX XXXX XXXX must change how it does business and establish safeguards to ensure it has the staffing, facilities, systems, and information necessary to timely and completely respond to consumer credit report disputes. It must also establish a strong oversight program to identify any systemic inaccuracies to ensure that it informs consumers of their right to validate and dispute inaccurate debts in collection. \nPay a civil monetary penalty of {$500000.00} : XXXX XXXX XXXX will pay a {$500000.00} fine for the illegal actions. \nThe CFPB will continue to enforce federal laws to ensure accuracy in credit reporting and debt collection. Consumers should check their credit report for inaccuracies at least once a year. Consumers can order a free credit report once every 12 months from XXXX. \nXXXX XXXX","date_sent_to_company":"2020-11-27T16:43:53.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"070XX","tags":null,"has_narrative":true,"complaint_id":"3978073","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Asset Management Outsourcing, Inc.","date_received":"2020-11-27T16:40:51.000Z","state":"NJ","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["A recent CFPB report found that the complex <em>processes</em> by which medical bills are incurred, collected by a wide range of debt collectors, and reported to <em>credit</em> reporting agencies can create unique challenges for consumers. The Bureau also found that medical debt can overly penalize consumer <em>credit</em> scores."]},"sort":[6.0152044,"3978073"]},{"_index":"complaint-public-v1","_id":"12388263","_score":5.5273714,"_source":{"product":"Student loan","complaint_what_happened":"I am writing to formally request the discharge of my student loan due to significant documentation deficiencies that have led to financial hardship and emotional distress. \n\nUnder the Higher Education Act of 1965 ( 20 U.S.C. 1070 et seq. ), I am entitled to complete and accurate documentation regarding my loan. However, since XXXX took over my loan in XXXX, I have faced considerable confusion and lack of clarity about my loan status, particularly regarding the transition from XXXX to XXXX and the subsequent claims made by XXXX. The paperwork provided lacks crucial details, including a lender number tied to a mortgage company in Florida and verifiable loan information. \n\nMoreover, the shutdown of XXXX due to poor loan servicing practices and my unsuccessful attempts to obtain documentation over the past XXXX years only exacerbate my concerns regarding the validity of my loan. My records show no evidence of payments made from XXXX to XXXX, despite having utilized forbearances and deferments. \n\n# # # Legal Framework and Supporting Case Law 1. **Borrower Defense to Repayment Rule** : Under **34 C.F.R. 685.206**, borrowers are protected when misled by their educational institutions or when there are violations of applicable laws. This rule allows borrowers like myself to seek a discharge of student loans for inadequate documentation or servicer non-compliance with federal regulations. \n\n2. **Colorado Higher Education Statute ( C.R.S. 23-3.1-2003 ) ** : This statute delineates the responsibilities of higher education institutions and loan servicers to maintain precise and verifiable records. It mandates that loan servicers ensure documentation is up-to-date and readily accessible to borrowers. Failure to follow this statute can provide grounds for loan discharge.\n\n3. **Senate Bill 19-002** : Recently enacted legislation aimed at enhancing transparency and accountability in the student loan servicing process, this bill clarifies that borrowers are entitled to discharge if adequate documentation has not been maintained or provided upon request.\n\nSupporting case law further emphasizes the necessity for clear documentation. For example, in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) **, the court affirmed the need for transparency in loan servicing. \n\nGiven the ongoing emotional and financial burden caused by these issues, coupled with the absence of proper documentation, I respectfully request the immediate discharge of my loan and compensation for the distress experienced. \n\nAs a borrower of federal student loans, I am entitled to certain fundamental rights under federal law, including the right to receive complete, accurate documentation related to my loan. Specifically, under the Higher Education Act of 1965 ( 20 U.S.C. 1070 et seq. ), borrowers are granted significant protections that ensure proper loan servicing and access to accurate information regarding the terms and conditions of their loans. The lack of original documents hampers my ability to understand the specifics of my loan obligations and hinders my rights as a borrower. \n\nTo provide further context, it is important to note that XXXX allegedly took over my loan in XXXX, while XXXX changed its name to XXXX in XXXX and subsequently closed in XXXX. During the period from XXXX to XXXX, I was making payments to XXXX, yet XXXX claims they had my loan and placed their name on the records with XXXX from XXXX before XXXX was involved. Additionally, the paperwork I received from XXXX in XXXX was lacking crucial information, including a lender number associated with a mortgage company based in Florida. There was no specific connection provided to validate my loan, and the consolidating loan information was not clearly included. \n\nFurthermore, there was a lawsuit that led to the shutdown of XXXX ( formerly known as XXXXXXXX  ) due to poor handling of loans. Despite my attempts to gather appropriate documentation over the past five years, I have not received adequate or legitimate information regarding my loan payments from XXXX to XXXX. My records do not reflect any evidence of payments, which is deeply concerning, especially since my loan was supposed to have a cap of 3 %. I also took out several forbearances and deferments, maximizing those options, but have received no clarity on my loan status or terms. \n\nThe absence of proper documentation raises serious concerns regarding the validity of this loan, leaving me feeling deceived and trapped. The stress and confusion that this lack of clarity has generated are profoundly alarming and unacceptable. As a result, I believe that I am entitled to not only the discharge of this loan but also compensation for the unnecessary distress it has caused me. \n\n# # # Supporting Case Law Numerous court cases underscore the need for transparency and proper documentation in the loan servicing process : XXXX. *XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ** : This case affirmed the need for accurate documentation in loan servicing and the obligation of servicers to provide clear records to borrowers. \n\nXXXX XXXX XXXX U.S. Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ** : The court ruled that borrowers have the right to challenge their loans when they do not receive adequate documentation from the servicer. \n\nXXXX XXXX XXXX U.S. Department of Education XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) ** : The court determined borrowers could seek loan discharges if the servicer failed to provide necessary documentation. \n\nXXXX XXXX XXXXXXXX U.S. Department of Education XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ) ** : This case supported borrowers ' rights to contest their obligations when denied access to essential loan documents. \n\nXXXX XXXX XXXX U.S. Department of Education XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) ** : The ruling affirmed that borrowers are entitled to rely on their servicers to produce required documentation. \n\nXXXX XXXX XXXX U.S. Department of Education XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) ** : The court highlighted that servicers must ensure that their records accurately reflect loan terms. \n\nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* : Additionally, in the recent class-action lawsuit against XXXX XXXX XXXX XXXX XXXX  ) regarding improper documentation and loan servicing practices, it was alleged that borrowers were misled about their repayment obligations. The court found substantial evidence indicating that XXXX failed to comply with federal documentation requirements, similar to the issues I have faced. This case highlights the potential for borrowers like myself to claim discharge on the grounds that servicers compromised our rights through their inadequate practices. \n\n# # # Personal Impact The experience of navigating this loan has been overwhelming and distressing due to the lack of accurate information. I have made multiple requests for documentation regarding my loan, including payment history, loan terms, and borrower rights, but have not received satisfactory responses. This gap in responsibility has resulted in confusion regarding my repayment obligations and has adversely affected my financial well-being. \n\nAs a borrower of federal student loans, I am entitled to certain fundamental rights under federal law, including the right to receive complete, accurate documentation related to my loan. Specifically, under the Higher Education Act of 1965 ( 20 U.S.C. 1070 et seq. ), borrowers are granted significant protections that ensure proper loan servicing and access to accurate information regarding the terms and conditions of their loans. The lack of original documents hampers my ability to understand the specifics of my loan obligations and hinders my rights as a borrower. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ** : This case established that educational institutions could be held responsible for misleading information that affects students ' financial decisions. The principle emphasizes that borrowers are entitled to accurate representations regarding their loans. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ** : While originally about political representation, the ruling emphasized the principle of accountability in compliance with established laws, which can be applied to loan servicers who fail to meet federal and state regulations. \n\nXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX. XXXX XXXX ) ** : This bankruptcy case underscores the need for loan servicers to adhere to disclosure requirements and emphasizes borrowers rights if they are misled or inadequately informed. \n\nTo provide further context, it is important to note that XXXX allegedly took over my loan in XXXX, while XXXX changed its name to XXXX in XXXX and subsequently closed in XXXX. During the period from XXXX to XXXX, I was making payments to XXXX, yet XXXX claims they had my loan and placed their name on the records with XXXX from XXXX before XXXX was involved. Additionally, the paperwork I received from XXXX in XXXX was lacking crucial information, including a lender number associated with a mortgage company based in Florida. There was no specific connection provided to validate my loan, and the consolidating loan information was not clearly included. \n\nFurthermore, there was a lawsuit that led to the shutdown of XXXX ( formerly known as XXXX XXXX due to poor handling of loans. Despite my attempts to gather appropriate documentation over the past XXXX years, I have not received adequate or legitimate information regarding my loan payments from XXXX to XXXX. My records do not reflect any evidence of payments, which is deeply concerning, especially since my loan was supposed to have a cap of 3 %. I also took out several forbearances and deferments, maximizing those options, but have received no clarity on my loan status or terms. \n\ni would like to reference the Borrower Defense to Repayment rule, codified under 34 C.F.R. 685.206, which provides critical protections for borrowers misled by their educational institutions or in cases of violations of applicable laws. This federal rule enables borrowers like myself to seek discharge of their loans when documentation is lacking or when servicers fail to comply with federal regulations. The case of *XXXX XXXX  U.S. Department of Education , XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ** further illustrates the impact of ineffective loan servicing on borrowers, reinforcing the need for accountability in such situations. \nMoreover, I would like to draw your attention to the recent Senate Bill 19-002, designed to enhance transparency and accountability in the student loan servicing process. This legislation emphasizes that borrowers are entitled to loan discharge in cases where adequate documentation has not been maintained or provided upon request. This concept is further supported by XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) **, which highlighted the significance of maintaining accurate records in the servicing of loans. \n\nThe Colorado Higher Education Statute ( C.R.S. 23-3.1-2003 ) delineates the responsibilities of both higher education institutions and loan servicers in maintaining accurate and verifiable records. This statute mandates that loan servicers ensure that all documentation related to loans is up-to-date and readily accessible to borrowers upon request. \n\nIn addition, the Federal Student Aid ( FSA ) guidelines explicitly require loan servicers to maintain and provide adequate documentation to validate loans. The principles established in **Auer v. Robbins , 51XXXX XXXX XXXX ( XXXX ) ** stress the importance of transparency and compliance with regulatory requirements in protecting borrower rights. \n\nFurthermore, the case oXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX. XXXX. XXXX XXXX ) ** emphasizes that loan servicers must adhere to disclosure requirements. Failing to do so can constitute grounds for loan discharge, as every borrower has the right to clear and accurate information concerning their loans. \n\nGiven the above circumstances, including the serious implications of lacking the required documentation as noted in both case law and legislation, I kindly request that you initiate the discharge process for my loan. Taking this action will not only adhere to regulatory requirements but also uphold my rights as a borrower as exemplified by **In re : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX. XXXX XXXX ) **, which underscores the necessity for loan servicers to comply with documentation mandates The absence of proper documentation raises serious concerns regarding the validity of this loan, leaving me feeling deceived and trapped. The stress and confusion that this lack of clarity has generated are profoundly alarming and unacceptable. As a result, I believe that I am entitled to not only the discharge of this loan but also compensation for the unnecessary distress it has caused me. \n\nXXXX relevant case is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX ) **, which held that students have rights to accurate and accessible information related to their loans, emphasizing the importance of proper documentation in safeguarding borrower interests. \n\nAdditionally, in XXXX XXXX XXXX Dept. of EducXXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX the court underscored the importance of maintaining accurate records for the integrity of the loan servicing process. The ruling underlined that any failure to provide appropriate documentation could lead to adverse implications for the borrower. \n\nGiven these precedents and the serious implications of lacking the required documentation, I respectfully request that you initiate the discharge process for my loan. Not only will this action adhere to regulatory requirements, but it will also uphold my rights as a borrower, reinforcing the accountability highlighted in these significant cases. \nI urge you to consider the gravity of this situation. The ongoing uncertainty and the impact on my financial health make it imperative that this matter be resolved without further delay. Failure to address these serious concerns may compel me to pursue legal action to protect my rights and seek appropriate damages for the harm I have experienced.\n\nIn addition to the federal protections I've mentioned, Colorado state law provides several additional regulations that underscore my position. The Colorado Student Loan Servicer Licensing Act ( C.R.S. 12-60-1001 et seq. ) establishes rigorous standards for student loan servicers operating within the state. This law requires servicers, including XXXX and its predecessors, to maintain accurate records and provide clear and comprehensive information to borrowers. Failure to meet these obligations may constitute a violation of this Act. \n\nAnother crucial case is *XXXX XXXXXXXX U.S. Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where the court ruled that improper loan servicing practices, including inadequate record maintenance, can result in significant adverse outcomes for borrowers, reinforcing the need for accountability in loan management. \n\nIn light of these cases, which collectively emphasize the importance of accurate documentation and borrower protection, I kindly request that you initiate the discharge process for my loan. This action will not only comply with regulatory requirements but also uphold the rights established through binding legal precedent that underscores the necessity for transparency and accountability in the student loan servicing process. \n\nXXXX XXXX XXXX U.S. Department of Education XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ** : In this case, the court emphasized that the failure of loan servicers to maintain proper documentation can undermine the borrower 's rights, allowing for potential discharge of the loan in light of inadequate servicing practices. \n\nXXXX XXXX XXXX U.S. Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ** : The court ruled that borrowers deserve transparency in their loan terms and should be able to access accurate documentation. Lack of such documentation can lead to a presumption against the loan servicer regarding the validity of the debt. \n\nXXXX XXXX  XXXX. U.S. Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ** : Here, the court acknowledged that borrowers may seek remedies when loan servicers fail to provide adequate and timely information about their loans, emphasizing the borrowers right to clarity and transparency. \n\nTo further reinforce my claim, I would like to include the following relevant case law : XXXX XXXX XXXX  U.S. Department of Education XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) ** : The court emphasized the importance of transparency in loan servicing, stating that a lack of proper documentation can constitute grounds for borrowers to seek relief under federal regulations. \n\nXXXX XXXX  XXXX U.S. Department of Education XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXXXXXX ) ** : This case highlighted the responsibilities of loan servicers to provide accurate and current documentation to borrowers, reinforcing the idea that failure to do so could result in significant legal repercussions. \n\nXXXX XXXX XXXX. U.S. Department of Education XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) ** : The court ruled in favor of the borrower based on inadequate documentation. This ruling demonstrated that borrowers are entitled to full disclosure and that the absence of documentation undermines the credibility of the loan. \n\nXXXX XXXX XXXX U.S. Department of Education XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) ** : This case reinforced the necessity of proper documentation for effective loan servicing, establishing that borrowers can seek discharge when lenders fail to provide the requisite information. \n\nXXXX XXXX XXXX has faced scrutiny regarding its handling of student loans dating back to XXXX. Due to persistent complaints, the Department of Education reassigned many loans to different servicers. Since the Department of Education owns Direct Loans, they have the authority to choose the loan servicer, and they opted to sever ties with XXXX. \n\nMore recently, the State of Massachusetts filed a lawsuit against XXXX, resulting in a settlement due to the company 's consistent failure to help students access appropriate repayment plans. For example, borrowers attempting to switch to income-based repayment plans were often incorrectly told by XXXX representatives that they could not, leaving them stuck in high-cost repayment plans they could not afford. \n\nFor borrowers frustrated with their loan servicer, online platforms serve as a rare outlet for expressing concerns. A comment from a borrower named XXXX from a year ago highlighted their dissatisfaction with the service, emphasizing that the situation has not improved since then.. \n\nXXXX XXXX XXXX, formerly XXXX XXXX XXXX, managed private, government, and campus-based student debt until it went out of business on XX/XX/XXXX. If your loans were managed by XXXX, heres what you need to know. \n\nXXXX acted as an intermediary between lenders and borrowers, handling billing, payments, payment plans, customer service, and reporting to credit bureaus. The company changed ownership several times, with XXXX becoming part of XXXX XXXX XXXX in XXXX after a series of acquisitions. \n\nBoth XXXX and XXXX faced multiple lawsuits and fines. Notably, in XXXX, Massachusetts fined XXXX {$2.00} XXXX for improper loan management. In XXXX, XXXX settled with the New York attorney general over complaints related to expensive loan options and incorrect payment applications. In XXXX, they settled with the Department of Education for providing false information. \n\nXXXX XXXX XXXX, previously operating as XXXX XXXX XXXX, was a firm that facilitated the management of private, government, and campus-based student debt. The company ceased operations on XX/XX/XXXX, resulting in the transfer of its loan portfolio to other servicing entities. This document outlines critical information regarding XXXX 's role, legal challenges, and important instructions for borrowers whose loans were previously managed by XXXX. \n\nXXXX*Company Background*XXXX XXXX operated as an intermediary between lenders and borrowers, providing essential services that included billing, payment processing, management of payment plans, customer service, and the reporting of loan information to credit bureaus. The company underwent several changes in ownership throughout its history ; it was acquired by XXXX in XXXX, subsequently becoming part of XXXX XXXX XXXX in XX/XX/XXXX. Following the termination of its contract with the Department of Education in XXXX, XXXX continued to manage select Federal Family Education Loans ( FFEL ), XXXX Loans, and private student loans. \n\nThese cases highlight the necessity of adequate communication and notification protocols when transitioning loan servicers. If you are facing issues with your loan servicer after a change, you may want to seek legal advice regarding your situation and potential remedies. \n\n\n# # # Legal Framework and Supporting Case Law XXXX XXXX XXXX U.S. Dept. of Education, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ** : Found that inadequate documentation provided by a loan servicing agency constituted grounds for a discharge of the borrower 's obligations. \n\nXXXX XXXX  XXXX. U.S. Dept. of Education, XXXX XXXX XXXX ( XXXX. XXXX. XXXX ) ** : Addressed the consequences for servicers when they fail to maintain accurate and complete records of borrower interactions and payment history. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ** This case establishes that agencies have discretion in enforcing regulations, which implies that loan servicers are required to provide notice and proper communication regarding changes to borrowers. If a borrower claims they did not receive a notice, it could raise questions about the servicers adherence to regulatory responsibilities. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX ) ** In matters of servicer changes, this case emphasizes the importance of transparent communication and documentation in the relationship between borrowers and loan servicers. If your servicer fails to inform you, it could potentially lead to disputes regarding the borrowers rights and obligations. \n\nXXXX XXXX XXXXXXXX U.S. Department of Education XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) ** This case underlines the need for federal entities to comply with notification procedures when managing federal loans. If a servicer changes without proper notice, it could prompt legal scrutiny under federal law. \n\nGiven the compounded emotional and financial distress caused by these ongoing issues, coupled with the absence of proper documentation, I respectfully request the immediate discharge of my student loan. This request includes consideration for compensation related to the distress experienced as a result of inadequate servicing and documentation. \n\nThank you for your attention to this matter. I look forward to your prompt response. \n\nI hope this letter finds you well. I am writing to formally request a discharge of my loan, [ Loan Number ], due to the failure to provide the original documentation that is required under our loan agreement. The absence of this critical documentation raises serious concerns regarding the validity and enforceability of my loan, and I believe it is crucial to address this issue promptly. \n\nAs a borrower of federal student loans, I am entitled to certain fundamental rights under federal law, including the right to receive complete, accurate documentation related to my loan. Specifically, under the Higher Education Act of 1965 ( 20 U.S.C. 1070 et seq. ), borrowers are granted significant protections that ensure proper loan servicing and access to accurate information regarding the terms and conditions of their loans. The lack of original documents hampers my ability to understand the specifics of my loan obligations and hinders my rights as a borrower.\n\nIn addition, the Borrower Defense to Repayment rule, codified under 34 C.F.R. 685.206, provides critical protections for borrowers who may have been misled by their educational institutions or if there have been violations of applicable laws. This federal rule allows borrowers like myself to seek discharge of their loans when documentation is lacking or when servicers do not comply with federal regulations. \n\nFurthermore, I would like to draw your attention to the recent Senate Bill 19-002, which was enacted to enhance transparency and accountability in the student loan servicing process. This important legislation emphasizes the need for loan servicers to provide timely access to documentation and clearly outlines that borrowers are eligible for loan discharge if adequate documentation has not been maintained or provided upon request.\n\nAt the state level, the Colorado Student Loan Servicer Licensing Act ( C.R.S. 12-60-1001 et seq. ) establishes rigorous regulations for student loan servicers operating within Colorado. This law requires that servicers obtain a state license and adhere to strict consumer protection standards. Among these standards is the obligation to provide borrowers with clear, accurate, and comprehensive information about loan repayment options, terms, and obligations.\n\nAdditionally, the Colorado Higher Education Statute ( C.R.S. 23-3.1-2003 ) delineates the responsibilities of both higher education institutions and loan servicers in maintaining accurate and verifiable records. This statute mandates that loan servicers must ensure that all documentation related to loans is up-to-date and readily accessible to borrowers upon request, thus further protecting borrowers rights. \n\nMoreover, the Federal Student Aid ( FSA ) guidelines explicitly require loan servicers to maintain and provide adequate documentation to validate loans. These guidelines stress the importance of having original documents that reflect accurate loan terms, amounts, and borrower 's rightsessential information that enables borrowers to manage their loans effectively. \n\nGiven the above circumstances and the serious implications of lacking the required documentation, I kindly request that you initiate the discharge process for my loan. Taking this action will not only adhere to regulatory requirements but also uphold my rights as a borrower. \n\nI sincerely appreciate your attention to this pressing matter and look forward to your prompt response. Should you require any further information or additional documentation from my side to facilitate this process, please feel free to reach out to me directly at your convenience. \n\nThank you for your assistance. \nXXXX XXXXXXXX XXXX   Furthermore, I have never received a statement from any institution regarding my loan, balance, interest, paymetns etc... \n\n\nWhat I am entitled and not limited too ... ... A student loan agreement includes several important details that outline the terms and conditions of the loan. Here are the key components typically found in a student loan agreement : 1. **Borrower Information** : This includes the name, address, and contact information of the borrower.\n\n2. **Lender Information** : Details about the lender or loan servicer, including their contact information. \n\n3. **Loan Amount** : The total amount of money you are borrowing.\n\n4. **Interest Rate** : The percentage rate at which interest will accrue on the loan. This could be fixed or variable.\n\n5. **Loan Type** : Whether the loan is federal, private, subsidized, or unsubsidized.\n\n6. **Repayment Terms** : This section details the repayment schedule, including the length of the repayment period, monthly payment amounts, and due dates.\n\n7. **Grace Period** : Information about any grace period before repayments begin after you graduate, leave school, or drop below half-time enrollment.\n\n8. **Fees** : Any loan fees that may apply, such as origination fees or late payment fees. \n\n9. **Disbursement Information** : Describes how and when the loan funds will be disbursed to you or your school.\n\n10. **Deferment and Forbearance Options** : Information on options for postponing payments without penalty under certain circumstances.\n\n11. **Default Consequences** : The implications of failing to meet your repayment obligations, including potential damage to your credit score and collections actions.\n\n12. **Consumer Rights** : A summary of your rights as a borrower, including the right to receive disclosures and the right to ask questions.\n\n13. **Signatures** : Places for you and possibly a cosigner to sign, confirming agreement to the terms of the loan.\n\nA disclosure agreement for a student loan, often referred to as a \" Loan Disclosure Statement, '' provides important information about the terms and conditions of the loan. Heres what you can typically find in a student loan disclosure agreement : 1. **Loan Information** : - **Loan Amount** : The total amount you are borrowing.\n\n- **Interest Rate** : The percentage charged on the principal amount, which can be fixed or variable.\n\n2. **Repayment Terms** : - **Repayment Period** : The length of time you will have to repay the loan.\n\n- **Monthly Payment Amount** : The estimated amount you will need to pay each month.\n\n- **First Payment Due Date** : The date when your first payment is expected.\n\n3. **Loan Fees** : - **Origination Fees** : Any fees charged for processing the loan.\n\n- **Late Payment Fees** : Fees that may apply if you do not make your payments on time.\n\n4. **Total Cost of the Loan** : - **Total Interest Paid** : An estimate of the total interest you will pay over the life of the loan.\n\n- **Total Amount That Will Be Repaid** : The total of the loan amount plus interest and fees.\n\n5. **Promissory Note** : Information indicating that you agree to repay the loan as outlined in the document. ORIGINAL WHAT I HAVE IS NOT MY INFO AND IT IS NOT FILLED OUT, I HAVE ALWAYS WORKED 2 JOBS EVEN WHEN I WAS IN SCHOOL I WORKED FULL TIME, I NEVER WAS WITHOUT A JOB 6. **Grace Period** : Details about the time period after you graduate or leave school during which you are not required to make payments.\n\n7. **Deferment and Forbearance Options** : Information on options to temporarily postpone or reduce payments if you encounter financial hardship.\n\n8. **Prepayment Options** : Information on whether you can pay off your loan early without penalties.\n\n9. **Contact Information** : Details on how to reach the lender or loan servicer for questions or assistance.\n\n10. **Borrower Rights** : Summary of your rights as a borrower, including the right to receive clear information and assistance if needed.\n\nUnderstanding the details in the disclosure agreement can help you make informed decisions about borrowing and repayment. If you have any questions about the specifics of your loan disclosure, its a good idea to contact your lender or financial aid office for clarification.\n\nWhen you fill out a student loan application, you should expect to receive several key documents : 1. **Loan Agreement** : This is the most important document. It outlines the terms of the loan, including the amount borrowed, interest rate, repayment schedule, and any fees involved.\n\n2. **Disclosure Statement** : This document provides details about the loan, including total loan costs and the estimated monthly payment amount. It helps you understand the financial implications of the loan.\n\n3. **Promissory Note** : You will sign this legal document that binds you to repay the loan according to the agreed terms. It may contain specific conditions of the loan and details about deferment and cancellation options.\n\nAs for tracking payments and interest, lenders typically maintain records in several ways","date_sent_to_company":"2025-03-09T20:35:37.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"496XX","tags":null,"has_narrative":true,"complaint_id":"12388263","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ECMC GROUP, INC.","date_received":"2025-03-09T20:20:04.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Don't agree with the fees charged"},"highlight":{"complaint_what_happened":["**Disbursement Information** : Describes how and when the loan funds will be disbursed to you or <em>your</em> school.\n\n10. **Deferment and Forbearance Options** : Information on options for postponing payments without penalty under certain circumstances.\n\n11. **Default Consequences** : The implications of failing to meet <em>your</em> repayment obligations, including potential damage to <em>your</em> <em>credit</em> score and collections actions.\n\n12."],"issue":["Dealing with <em>your</em> lender or servicer"]},"sort":[5.5273714,"12388263"]},{"_index":"complaint-public-v1","_id":"13255877","_score":5.063649,"_source":{"product":"Debt collection","complaint_what_happened":"YOUR COMPLAINT From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Date : XX/XX/XXXX Subject : Urgent Complaint Against Portfolio Recovery Associates for Continued FDCPA and FCRA Violations Dear CFPB, I am filing this complaint to formally report Portfolio Recovery Associates , LLC for ongoing, malicious, and unlawful debt collection and credit reporting practices that have directly violated my legal rights under both federal and state laws. Despite my repeated efforts to resolve this issue respectfully and legally, PRA continues to harass me, ignore written requests, and maliciously harm my credit profile by furnishing inaccurate, unverifiable, and unauthorized information to as many as 12 credit bureaus, including Equifax. Background : I have sent three written requests demanding debt validation and an assignment contract, as required under 15 U.S. Code 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Instead of proper validation, PRA has only responded with generic credit card statements, which do not satisfy legal debt validation requirements. They refuse to disclose how much they purchased the alleged debt for, which is a critical part of proving ownership. As you know, once a debt is charged off, it is often transferred into a structured trust and pooled with other debts. In these cases, the ownership becomes obscured, and third-party collectors like PRA often lack proper legal standing to collect or report the debt. After I sent a cease and desist letter, PRA ignored it and then went so far as to report the account to Equifax, escalating their malicious actions after I legally revoked their right to contact me. Legal Violations : FDCPA 809 ( b ) 15 U.S.C. 1692g ( b ) : PRA failed to provide proper validation of the debt despite multiple written requests. Their vague replies with generic billing statements are not sufficient proof under the FDCPA. FDCPA 805 ( c ) 15 U.S.C. 1692c ( c ) : I clearly submitted a cease and desist letter, yet PRA has continued to contact me indirectly through reporting, which is a violation of my right to be left alone under the law. Fair Credit Reporting Act 15 U.S.C. 1681s-2 ( a ) : PRA has reported this debt without complete or accurate investigation, which is a violation of their duty to report only verifiable, complete, and accurate data. The Grim Bail Leach Act ( referring to the Fair Debt Buyer Practices Act and elements of consumer protection law often referenced in financial trust violations ) : PRAs likely involvement in purchasing pooled debts from a trust without proper legal assignment or chain of custody creates serious standing and jurisdiction issues. If they can not prove ownership through contract assignment, they have no legal authority to collect or report this alleged debt. Violation of My Due Process Rights : I was never properly notified of any assignment or sale of the debt, nor was I presented with any opportunity to dispute this before it was maliciously placed on my credit report. This is deceptive, harmful, and intended to coerce payment under duress Fair Solution : Immediate removal of any and all entries from Portfolio Recovery Associates on all credit reporting agencies, including XXXX XXXX XXXX and any others they may have contacted. A formal investigation into PRAs continued violations and refusal to honor consumer protection laws. PRA must be permanently barred from ever contacting me again in writing, phone, email, or courier, and be prohibited from furnishing information about this alleged debt in the future. I request that PRA be fined or penalized for their pattern of abuse against not just myself but other consumers who have also reported similar misconduct. This is a matter of abuse of the credit system, and PRA has demonstrated repeated, intentional violations of law. Their actions have affected my ability to rebuild my credit, and their refusal to follow federal law is unacceptable. Please treat this complaint as urgent and respond with appropriate action. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Email : XXXX CFPB Orders Repeat Offender Portfolio Recovery Associates to Pay More Than {$24.00} XXXX for Continued Illegal Debt Collection Practices and Consumer Reporting Violations Debt collection giant filed lawsuits even when it lacked documentation about the debt XX/XX/XXXX Share & print XXXX XXXX XXXX  The Consumer Financial Protection Bureau ( CFPB ) took action today against Portfolio Recovery Associates, one of the largest debt collectors in the nation, for violating a XXXX CFPB order and engaging in other violations of law. The CFPB filed a proposed order today that, if entered by the court, would require Portfolio Recovery Associates to pay more than {$12.00} XXXX to consumers harmed by its illegal debt collection practices, in addition to a {$12.00} XXXX penalty that would be deposited into the CFPBs victims relief fund. Portfolio Recovery Associates violated the XXXX order by collecting on unsubstantiated debt, collecting on debt without providing required documentation and disclosures to consumers, suing or threatening legal action against consumers without offering or possessing required documentation, and suing to collect on debt outside the statute of limitations. Portfolio Recovery Associates also failed to properly investigate and resolve consumer disputes about the company 's credit reporting. Todays action is one of many actions the CFPB has recently taken to hold repeat offenders accountable. \n\nAfter getting caught red-handed in XXXX, Portfolio Recovery Associates continued violating the law through intimidation, deception, and illegal debt collection tactics and lawsuits, said CFPB Director XXXX XXXX . CFPB orders are not suggestions, and companies can not ignore them simply because they are large or dominant in the market. \n\nPortfolio Recovery Associates is a wholly owned subsidiary of publicly traded PRA Group ( XXXX : PRAA ) and is one of the largest debt collectors in the United States. The companys principal headquarters is in XXXX, Virginia. PRA Group reported net income of over {$180.00} XXXX in XXXX. \n\nIn XX/XX/XXXX, the CFPB ordered Portfolio Recovery Associates to pay more than {$27.00} XXXX in consumer refunds and penalties for deceptive debt collection tactics. In that case, the CFPB found that Portfolio Recovery Associates collected on unsubstantiated debt, filed misleading affidavits in debt-collection actions, misrepresented that it intended to prove debts if consumers contested them, and misrepresented that the company had legally enforceable claims to debts outside of the applicable statutes of limitations. \n\nThe XXXX order required Portfolio Recovery Associates to adhere to provisions including prohibitions on : Collecting debts without a reasonable basis, Selling debt, Threatening or filing collection lawsuits without an intent to prove the debt, Filing false or misleading affidavits in debt-collection actions, Making false or misleading representations, and Collecting or suing on debt that was outside the statute of limitations. \nIn todays complaint, the CFPB charged Portfolio Recovery Associates with violating numerous requirements of the XXXX order during the five-year period the order was in effect and engaging in deceptive conduct in violation of the Fair Debt Collection Practices Act and the Consumer Financial Protection Act, including : Making representations about unsubstantiated debts : Portfolio Recovery Associates made at least tens of thousands of representations about unsubstantiated, disputed debts, failing to review the required documentation to support the claim.\n\nThreatening consumers with potential legal actions and initiating debt collection lawsuits without offering or possessing required documentation : Portfolio Recovery Associates lawyers sent millions of form letters to consumers notifying them of potential legal action without offering to provide all required documents. Portfolio Recovery Associates also initiated thousands of legal actions against consumers when it lacked proper documentation about the debt.\n\nMisrepresenting that it would provide certain documents within thirty days : The form letter notifying consumers of potential legal action stated that, upon receipt of a written request from the consumer, Portfolio Recovery Associates would provide within 30 days of request the proof of documentation mentioned in the letter. On numerous occasions, Portfolio Recovery Associates failed to timely provide these documents after receiving a consumers written request for them. This impeded consumers ability to determine whether a debt was truly owed and how they should respond to allegations of outstanding debts. \nCollecting on time-barred debt without making required disclosures : On numerous occasions, Portfolio Recovery Associates did not provide the required disclosures to consumers when collecting on debts beyond the statute of limitations. When the company purchased debt, it estimated the statute of limitations that governed the debt, and in some cases that date was later than the actual statute of limitations. \nSuing to collect on time-barred debt : Portfolio Recovery Associates initiated at least dozens of lawsuits for debt that was too old to legally enforce. In doing so, Portfolio Recovery Associates falsely represented that those consumers had legally enforceable obligations to pay those debts when in fact they did not because the debt was outside the statute of limitations. \nThe CFPB also alleges that Portfolio Recovery Associates committed numerous violations of the Fair Credit Reporting Act and its implementing Regulation V, which include : Failing to inform consumers about investigation outcomes : On numerous occasions when Portfolio Recovery Associates determined that a consumers dispute was frivolous or irrelevant, it failed to timely inform the consumer about what information would be necessary for Portfolio Recovery Associates to investigate the dispute. \nFailing to timely resolve disputes : On at least tens of thousands of occasions, Portfolio Recovery Associates failed to resolve disputes within the required time. \nConducting unreasonable investigations : On numerous occasions when a consumer alleged fraud or identify theft, Portfolio Recovery Associates did not conduct a sufficient investigation that considered all necessary information. \nEnforcement Action Under the CFPA, the CFPB has the authority to take action against institutions violating consumer financial laws, including engaging in unfair, deceptive, or abusive acts or practices. The CFPB alleges that Portfolio Recovery Associates violated the XXXX order, the CFPAs prohibition on deceptive conduct, the FDCPA, FCRA, and Regulation V.\n\nIf entered by the court, the order would require Portfolio Recovery Associates to : Provide redress to consumers : Portfolio Recovery Associates would pay at least {$12.00} XXXX to consumers harmed by its illegal collection practices.\n\nClean up its faulty operations : The order prohibits Portfolio Recovery Associates from collecting debts unless it has access to certain documents that meet its obligation to have a reasonable basis to believe it is collecting debts that consumers actually owe. \nFix its failures to properly respond to consumers : The order requires Portfolio Recovery Associates to improve their response when consumers report that they do not owe a debt because of fraud or identity theft. And it ensures that Portfolio Recovery Associates adequately responds to consumer disputes in a timely manner about information Portfolio Recovery Associates has furnished to consumer reporting agencies. \nPay {$12.00} XXXX in penalties : Portfolio Recovery Associates would pay a {$12.00} XXXX penalty to the CFPB, which would be deposited into the CFPBs victims relief fund. \nRead todays proposed order. \n\nRead the XXXX order against Portfolio Recovery Associates. \n\nIn XXXX, the CFPB proposed a new registry to help detect and deter repeat offenders like Portfolio Recovery Associates. The public can submit comments on the proposal until XX/XX/XXXX. \n\nIf you or someone you know needs help dealing with a debt collector, the CFPB publishes resources on how to protect your legal rights and navigate your financial future. \n\nConsumers can submit complaints about financial products or services by visiting the CFPBs website or by calling ( XXXX ) XXXX ( XXXX ). \n\nEmployees of companies who they believe their company has violated federal consumer financial laws are encouraged to send information about what they know to XXXX.","date_sent_to_company":"2025-05-06T13:12:13.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"77070","tags":null,"has_narrative":true,"complaint_id":"13255877","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-04-30T11:47:47.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["If you or someone you know needs help dealing with a debt collector, the CFPB publishes resources on how to protect <em>your</em> legal rights and <em>navigate</em> <em>your</em> financial future. \n\nConsumers can submit complaints about financial products or services by visiting the CFPBs website or by calling ( XXXX ) XXXX ( XXXX ). \n\nEmployees of companies who they believe their company has violated federal consumer financial laws are encouraged to send information about what they know to XXXX."],"sub_product":["<em>Credit</em> card debt"]},"sort":[5.063649,"13255877"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":15,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":15}]}},"product":{"doc_count":15,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer 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