{"took":111,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":10,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"12083198","_score":12.990376,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In XX/XX/2019, during a trip to XXXX, Texas, I lost my wallet, which contained sensitive personal information, including my government-issued ID, Social Security card , and financial documents. Despite retracing my steps, I was unable to recover it. At the time, I did not report the loss because I did not notice any immediate fraudulent activity. Recently, while reviewing my credit report, I discovered fraudulent accounts had been opened in my name shortly after the loss. These accounts were opened without my authorization, using my stolen information, and adverse actions were sent to an address that does not belong to me. I am filing this report because I believe the person who found my wallet used my personal information to commit identity theft. I am pursuing all legal remedies to resolve this matter and hold the responsible party accountable. I am filing this complaint against EQUIFAX for multiple violations of federal law regarding their handling of fraudulent accounts on my credit report. Despite an FTC Identity Theft Report already on file and a newly filed police report, EQUIFAX continues to report accounts that were fraudulently opened in my name. These accounts stem from a stolen wallet containing my government-issued ID, Social Security card , and financial information, which led to unauthorized credit activity. Violations Committed by EQUIFAX XXXX. Unlawful Reinsertion of Fraudulent Accounts EQUIFAX initially deleted an account after my dispute, only to reinsert it without legally required notice under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This is a clear violation, as they failed to provide written notification within five business days, depriving me of my right to dispute it again. XXXX. Failure to Block Fraudulent Information Under FCRA 15 U.S.C. 1681c-2 ( a ), EQUIFAX must block information resulting from identity theft within four business days after receiving proper documentation, including an FTC Identity Theft Report and a police report. They refused to comply, allowing creditors to continue reporting fraudulent accounts. XXXX. Failure to Validate Information I requested debt validation for the fraudulent accounts as required under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), but EQUIFAX failed to provide any proof that I authorized these accounts. If no legal proof exists, they are obligated to delete the information immediately. XXXX. Criminal Violations Committed By knowingly reporting false information, EQUIFAX is engaging in wire fraud ( 18 U.S.C. 1343 ), bank fraud ( 18 U.S.C. 1344 ), and mail fraud ( 18 U.S.C. 1341 ), as they transmitted fraudulent data electronically and allowed adverse action notices to be sent to an incorrect address. Additionally, their actions amount to conspiracy under 18 U.S.C. 371, as they are willfully participating in deceptive financial reporting that harms consumers. EQUIFAX is not above the law and can not continue to act as if they are merely a reporting entity while ignoring their legal obligations. I will pursue civil litigation if necessary and will also escalate this matter to the United States District Attorney for criminal review. There is indisputable evidence proving EQUIFAX Is noncompliance, and they can not lawfully claim innocence given the facts presented. Criminal Violations Committed by EQUIFAX Under Title 18 U.S. Code EQUIFAX actions in knowingly re-reporting fraudulent accounts, failing to block identity theft-related information, and refusing to comply with federal dispute laws constitute multiple criminal violations under Title 18 of the United States Code . These violations extend beyond civil infractions and fall under federal criminal law, which carries severe penalties, including fines and imprisonment. Below are the specific statutes EQUIFAX has violated : 1. Wire Fraud ( 18 U.S.C. 1343 ) EQUIFAX has engaged in wire fraud by electronically transmitting false and misleading information across state lines. Despite receiving an FTC Identity Theft Report and a police report, they continue to report fraudulent accounts as valid. By doing so, they knowingly facilitate the misrepresentation of my financial status to lenders, which can cause financial harm, denials of credit, or higher interest rates. This constitutes a scheme to defraud, using electronic means to commit fraud against me as a consumer. 2. Bank Fraud ( 18 U.S.C. 1344 ) EQUIFAX refusal to correct fraudulent accounts enables creditors to make lending decisions based on false information. This affects federally insured banks that rely on EQUIFAX reports when determining loan eligibility. By knowingly allowing fraudulent accounts to remain, EQUIFAX is aiding and abetting bank fraud by facilitating financial deception that leads to wrongful lending or credit denials. 3. Mail Fraud ( 18 U.S.C. 1341 ) EQUIFAX permitted creditors to send adverse action notices to an incorrect address, resulting in my inability to dispute fraudulent accounts in a timely manner. Mailing false credit reports and adverse actions based on fraudulent data constitutes mail fraud, as they knowingly sent or caused misleading documents to be mailed, which is a federal offense. 4. Conspiracy to Commit Fraud ( 18 U.S.C. 371 ) EQUIFAX willful collaboration with creditors to keep fraudulent accounts reporting, despite clear evidence of identity theft, constitutes conspiracy to commit fraud. They are acting in concert with financial institutions by refusing to delete fraudulent accounts, ultimately harming consumers while profiting from inaccurate credit reporting. 5. Obstruction of Justice ( 18 U.S.C. 1519 ) EQUIFAX refusal to acknowledge official identity theft complaints, police reports, and FTC reports amounts to obstruction of justice. By ignoring and delaying legally required actions, they are actively interfering with federal investigations and regulatory enforcement, which is a federal crime.","date_sent_to_company":"2025-02-21T21:52:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77006","tags":null,"has_narrative":true,"complaint_id":"12083198","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-14T18:19:47.000Z","state":"TX","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["Unlawful Reinsertion of Fraudulent Accounts EQUIFAX initially deleted an account after my <em>dispute</em>, only to reinsert it without legally required notice under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This is a clear violation, as they failed to provide written <em>notification</em> <em>within</em> <em>five</em> <em>business</em> <em>days</em>, <em>depriving</em> me of my right to <em>dispute</em> it <em>again</em>. XXXX."]},"sort":[12.990376,"12083198"]},{"_index":"complaint-public-v1","_id":"11959464","_score":12.956752,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In XX/XX/year>, during a trip to XXXX, Texas, I lost my wallet, which contained sensitive personal information, including my government-issued ID, Social Security card , and financial documents. Despite retracing my steps, I was unable to recover it. At the time, I did not report the loss because I did not notice any immediate fraudulent activity. \n\n\n\nRecently, while reviewing my credit report, I discovered fraudulent accounts had been opened in my name shortly after the loss. These accounts were opened without my authorization, using my stolen information, and adverse actions were sent to an address that does not belong to me. \n\n\n\nI am filing this report because I believe the person who found my wallet used my personal information to commit identity theft. I am pursuing all legal remedies to resolve this matter and hold the responsible party accountable. \n\nI am filing this complaint against TransUnion for multiple violations of federal law regarding their handling of fraudulent accounts on my credit report. Despite an FTC Identity Theft Report already on file and a newly filed police report, TransUnion continues to report accounts that were fraudulently opened in my name. These accounts stem from a stolen wallet containing my government-issued ID, Social Security card , and financial information, which led to unauthorized credit activity. \n\n\n\nViolations Committed by TransUnion 1. Unlawful Reinsertion of Fraudulent Accounts TransUnion initially deleted an account after my dispute, only to reinsert it without legally required notice under the Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX ( a ) ( 5 ) ( B ). This is a clear violation, as they failed to provide written notification within five business days, depriving me of my right to dispute it again. \n\n2. Failure to Block Fraudulent Information Under FCRA XXXX U.S.C. XXXX ( a ), TransUnion must block information resulting from identity theft within XXXX business days after receiving proper documentation, including an FTC Identity Theft Report and a police report. They refused to comply, allowing creditors to continue reporting fraudulent accounts. \n\n3. Failure to Validate Information I requested debt validation for the fraudulent accounts as required under XXXX U.S.C. XXXX ( a ) ( 1 ) ( B ), but TransUnion failed to provide any proof that I authorized these accounts. If no legal proof exists, they are obligated to delete the information immediately. \n\n4. Criminal Violations Committed By knowingly reporting false information, TransUnion is engaging in wire fraud ( XXXX U.S.C. XXXX ), bank fraud ( XXXX U.S.C. XXXX ), and mail fraud ( XXXX U.S.C. XXXX ), as they transmitted fraudulent data electronically and allowed adverse action notices to be sent to an incorrect address. Additionally, their actions amount to conspiracy under XXXX U.S.C. XXXX, as they are willfully participating in deceptive financial reporting that harms consumers. \n\n\n\n\n\n\nTransUnion is not above the law and can not continue to act as if they are merely a reporting entity while ignoring their legal obligations. I will pursue civil litigation if necessary and will also escalate this matter to the United States District Attorney for criminal review. There is indisputable evidence proving TransUnion Is noncompliance, and they can not lawfully claim innocence given the facts presented. \n\n\nCriminal Violations Committed by TransUnion Under XXXX XXXX XXXX XXXX  TransUnions actions in knowingly re-reporting fraudulent accounts, failing to block identity theft-related information, and refusing to comply with federal dispute laws constitute multiple criminal violations under Title XXXX of the United States Code XXXX These violations extend beyond civil infractions and fall under federal criminal law, which carries severe penalties, including fines and imprisonment. Below are the specific statutes TransUnion has violated : 1. Wire Fraud ( XXXX U.S.C. XXXX ) TransUnion has engaged in wire fraud by electronically transmitting false and misleading information across state lines. Despite receiving an FTC Identity Theft Report and a police report, they continue to report fraudulent accounts as valid. By doing so, they knowingly facilitate the misrepresentation of my financial status to lenders, which can cause financial harm, denials of credit, or higher interest rates. This constitutes a scheme to defraud, using electronic means to commit fraud against me as a consumer. \n\n2. Bank Fraud ( XXXX U.S.C. XXXX ) TransUnions refusal to correct fraudulent accounts enables creditors to make lending decisions based on false information. This affects federally insured banks that rely on TransUnionS reports when determining loan eligibility. By knowingly allowing fraudulent accounts to remain, TransUnion is aiding and abetting bank fraud by facilitating financial deception that leads to wrongful lending or credit denials. \n\n3. Mail Fraud ( XXXX U.S.C. XXXX ) TransUnion permitted creditors to send adverse action notices to an incorrect address, resulting in my inability to dispute fraudulent accounts in a timely manner. Mailing false credit reports and adverse actions based on fraudulent data constitutes mail fraud, as they knowingly sent or caused misleading documents to be mailed, which is a federal offense. \n\n4. Conspiracy to Commit Fraud ( XXXX U.S.C. XXXX ) TransUnions willful collaboration with creditors to keep fraudulent accounts reporting, despite clear evidence of identity theft, constitutes conspiracy to commit fraud. They are acting in concert with financial institutions by refusing to delete fraudulent accounts, ultimately harming consumers while profiting from inaccurate credit reporting. \n\n5. Obstruction of Justice ( XXXX U.S.C. XXXX ) TransUnions refusal to acknowledge official identity theft complaints, police reports, and FTC reports amounts to obstruction of justice. By ignoring and delaying legally required actions, they are actively interfering with federal investigations and regulatory enforcement, which is a federal crime.","date_sent_to_company":"2025-02-06T08:15:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77006","tags":null,"has_narrative":true,"complaint_id":"11959464","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-06T07:59:47.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["Unlawful Reinsertion of Fraudulent Accounts TransUnion initially deleted an account after my <em>dispute</em>, only to reinsert it without legally required notice under the Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX ( a ) ( 5 ) ( B ). This is a clear violation, as they failed to provide written <em>notification</em> <em>within</em> <em>five</em> <em>business</em> <em>days</em>, <em>depriving</em> me of my right to <em>dispute</em> it <em>again</em>. \n\n2. Failure to Block Fraudulent Information Under FCRA XXXX U.S.C."]},"sort":[12.956752,"11959464"]},{"_index":"complaint-public-v1","_id":"12345158","_score":12.946005,"_source":{"product":"Debt collection","complaint_what_happened":"I lost my PURSE, which contained sensitive personal information, including my government-issued ID, Social Security card , and financial documents. Despite retracing my steps, I was unable to recover it. At the time, I did not report the loss because I did not notice any immediate fraudulent activity. Recently, while reviewing my credit report, I discovered fraudulent accounts had been opened in my name shortly after the loss. These accounts were opened without my authorization, using my stolen information, and adverse actions were sent to an address that does not belong to me. I am filing this report because I believe the person who found my wallet used my personal information to commit identity theft. I am pursuing all legal remedies to resolve this matter and hold the responsible party accountable. I am filing this complaint against XXXX XXXX XXXX for multiple violations of federal law regarding their handling of fraudulent accounts on my credit report. Despite an FTC Identity Theft Report already on file and a newly filed police report, XXXX XXXX XXXX continues to report accounts that were fraudulently opened in my name. These accounts stem from a stolen wallet containing my government-issued ID, Social Security card , and financial information, which led to unauthorized credit activity. Violations Committed by XXXX XXXX XXXX XXXX. Unlawful Reinsertion of Fraudulent Accounts XXXX XXXX XXXX initially deleted an account after my dispute, only to reinsert it without legally required notice under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This is a clear violation, as they failed to provide written notification within five business days, depriving me of my right to dispute it again. 2. Failure to Block Fraudulent Information Under FCRA 15 U.S.C. 1681c-2 ( a ), XXXX XXXX XXXX must block information resulting from identity theft within four business days after receiving proper documentation, including an FTC Identity Theft Report and a police report. They refused to comply, allowing creditors to continue reporting fraudulent accounts. 3. Failure to Validate Information I requested debt validation for the fraudulent accounts as required under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), but XXXX XXXX XXXX failed to provide any proof that I authorized these accounts. If no legal proof exists, they are obligated to delete the information immediately. 4. Criminal Violations Committed By knowingly reporting false information, XXXX XXXX XXXX is engaging in wire fraud ( 18 U.S.C. 1343 ), bank fraud ( 18 U.S.C. 1344 ), and mail fraud ( 18 U.S.C. 1341 ), as they transmitted fraudulent data electronically and allowed adverse action notices to be sent to an incorrect address. Additionally, their actions amount to conspiracy under 18 U.S.C. 371, as they are willfully participating in deceptive financial reporting that harms consumers. XXXX XXXX XXXX is not above the law and can not continue to act as if they are merely a reporting entity while ignoring their legal obligations. I will pursue civil litigation if necessary and will also escalate this matter to the United States District Attorney for criminal review. There is indisputable evidence proving XXXX XXXX XXXX Is noncompliance, and they can not lawfully claim innocence given the facts presented. Criminal Violations Committed by XXXX XXXX XXXX Under Title 18 U.S. Code XXXX XXXX XXXX actions in knowingly re-reporting fraudulent accounts, failing to block identity theft-related information, and refusing to comply with federal dispute laws constitute multiple criminal violations under Title 18 of the United States Code . These violations extend beyond civil infractions and fall under federal criminal law, which carries severe penalties, including fines and imprisonment. Below are the specific statutes XXXX XXXX XXXX has violated : 1. Wire Fraud ( 18 U.S.C. 1343 ) XXXX XXXX XXXX has engaged in wire fraud by electronically transmitting false and misleading information across state lines. Despite receiving an FTC Identity Theft Report and a police report, they continue to report fraudulent accounts as valid. By doing so, they knowingly facilitate the misrepresentation of my financial status to lenders, which can cause financial harm, denials of credit, or higher interest rates. This constitutes a scheme to defraud, using electronic means to commit fraud against me as a consumer. 2. Bank Fraud ( 18 U.S.C. 1344 ) XXXX XXXX XXXX refusal to correct fraudulent accounts enables creditors to make lending decisions based on false information. This affects federally insured banks that rely on XXXX XXXX XXXX reports when determining loan eligibility. By knowingly allowing fraudulent accounts to remain, XXXX XXXX XXXX is aiding and abetting bank fraud by facilitating financial deception that leads to wrongful lending or credit denials. 3. Mail Fraud ( 18 U.S.C. 1341 ) XXXX XXXX XXXX permitted creditors to send adverse action notices to an incorrect address, resulting in my inability to dispute fraudulent accounts in a timely manner. Mailing false credit reports and adverse actions based on fraudulent data constitutes mail fraud, as they knowingly sent or caused misleading documents to be mailed, which is a federal offense. 4. Conspiracy to Commit Fraud ( 18 U.S.C. 371 ) XXXX XXXX XXXX willful collaboration with creditors to keep fraudulent accounts reporting, despite clear evidence of identity theft, constitutes conspiracy to commit fraud. They are acting in concert with financial institutions by refusing to delete fraudulent accounts, ultimately harming consumers while profiting from inaccurate credit reporting. 5. Obstruction of Justice ( 18 U.S.C. 1519 ) XXXX XXXX XXXX refusal to acknowledge official identity theft complaints, police reports, and FTC reports amounts to obstruction of justice. By ignoring and delaying legally required actions, they are actively interfering with federal investigations and regulatory enforcement, which is a federal crime.","date_sent_to_company":"2025-03-07T00:57:35.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"78504","tags":null,"has_narrative":true,"complaint_id":"12345158","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-07T00:57:08.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["Unlawful Reinsertion of Fraudulent Accounts XXXX XXXX XXXX initially deleted an account after my <em>dispute</em>, only to reinsert it without legally required notice under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This is a clear violation, as they failed to provide written <em>notification</em> <em>within</em> <em>five</em> <em>business</em> <em>days</em>, <em>depriving</em> me of my right to <em>dispute</em> it <em>again</em>. 2."]},"sort":[12.946005,"12345158"]},{"_index":"complaint-public-v1","_id":"12846120","_score":12.945469,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In XX/XX/year>, during a trip to XXXX, Texas, I lost my wallet, which contained sensitive personal information, including my government-issued ID, Social Security card , and financial documents. Despite retracing my steps, I was unable to recover it. At the time, I did not report the loss because I did not notice any immediate fraudulent activity. Recently, while reviewing my credit report, I discovered fraudulent accounts had been opened in my name shortly after the loss. These accounts were opened without my authorization, using my stolen information, and adverse actions were sent to an address that does not belong to me. I am filing this report because I believe the person who found my wallet used my personal information to commit identity theft. I am pursuing all legal remedies to resolve this matter and hold the responsible party accountable. I am filing this complaint against EQUIFAX for multiple violations of federal law regarding their handling of fraudulent accounts on my credit report. Despite an FTC Identity Theft Report already on file and a newly filed police report, EQUIFAX continues to report accounts that were fraudulently opened in my name. These accounts stem from a stolen wallet containing my government-issued ID, Social Security card , and financial information, which led to unauthorized credit activity. Violations Committed by EQUIFAX 1. Unlawful Reinsertion of Fraudulent Accounts EQUIFAX initially deleted an account after my dispute, only to reinsert it without legally required notice under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This is a clear violation, as they failed to provide written notification within five business days, depriving me of my right to dispute it again. 2. Failure to Block Fraudulent Information Under FCRA 15 U.S.C. 1681c-2 ( a ), EQUIFAX must block information resulting from identity theft within four business days after receiving proper documentation, including an FTC Identity Theft Report and a police report. They refused to comply, allowing creditors to continue reporting fraudulent accounts. 3. Failure to Validate Information I requested debt validation for the fraudulent accounts as required under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), but EQUIFAX failed to provide any proof that I authorized these accounts. If no legal proof exists, they are obligated to delete the information immediately. 4. Criminal Violations Committed By knowingly reporting false information, EQUIFAX is engaging in wire fraud ( 18 U.S.C. 1343 ), bank fraud ( 18 U.S.C. 1344 ), and mail fraud ( 18 U.S.C. 1341 ), as they transmitted fraudulent data electronically and allowed adverse action notices to be sent to an incorrect address. Additionally, their actions amount to conspiracy under 18 U.S.C. 371, as they are willfully participating in deceptive financial reporting that harms consumers. EQUIFAX is not above the law and can not continue to act as if they are merely a reporting entity while ignoring their legal obligations. I will pursue civil litigation if necessary and will also escalate this matter to the United States District Attorney for criminal review. There is indisputable evidence proving EQUIFAX Is noncompliance, and they can not lawfully claim innocence given the facts presented. Criminal Violations Committed by EQUIFAX Under Title 18 U.S. Code EQUIFAXs actions in knowingly re-reporting fraudulent accounts, failing to block identity theft-related information, and refusing to comply with federal dispute laws constitute multiple criminal violations under Title 18 of the United States Code . These violations extend beyond civil infractions and fall under federal criminal law, which carries severe penalties, including fines and imprisonment. Below are the specific statutes EQUIFAX has violated : XXXX. XXXX XXXX ( 18 U.S.C. 1343 ) EQUIFAX has engaged in wire fraud by electronically transmitting false and misleading information across state lines. Despite receiving an FTC Identity Theft Report and a police report, they continue to report fraudulent accounts as valid. By doing so, they knowingly facilitate the misrepresentation of my financial status to lenders, which can cause financial harm, denials of credit, or higher interest rates. This constitutes a scheme to defraud, using electronic means to commit fraud against me as a consumer. 2. Bank Fraud ( 18 U.S.C. 1344 ) EQUIFAXs refusal to correct fraudulent accounts enables creditors to make lending decisions based on false information. This affects federally insured banks that rely on XXXX reports when determining loan eligibility. By knowingly allowing fraudulent accounts to remain, EQUIFAX is aiding and abetting bank fraud by facilitating financial deception that leads to wrongful lending or credit denials. 3. Mail Fraud ( 18 U.S.C. 1341 ) EQUIFAX permitted creditors to send adverse action notices to an incorrect address, resulting in my inability to dispute fraudulent accounts in a timely manner. Mailing false credit reports and adverse actions based on fraudulent data constitutes mail fraud, as they knowingly sent or caused misleading documents to be mailed, which is a federal offense. 4. Conspiracy to Commit Fraud ( 18 U.S.C. 371 ) EQUIFAXs willful collaboration with creditors to keep fraudulent accounts reporting, despite clear evidence of identity theft, constitutes conspiracy to commit fraud. They are acting in concert with financial institutions by refusing to delete fraudulent accounts, ultimately harming consumers while profiting from inaccurate credit reporting. 5. Obstruction of Justice ( 18 U.S.C. 1519 ) EQUIFAXs refusal to acknowledge official identity theft complaints, police reports, and FTC reports amounts to obstruction of justice. By ignoring and delaying legally required actions, they are actively interfering with federal investigations and regulatory enforcement, which is a federal crime. \n\n\n\nFraudulent Reporting by XXXX XXXX XXXX The XXXX XXXX XXXX account currently appearing on my credit report is fraudulent and was opened without my knowledge, authorization, or consent. Upon investigating this matter, I contacted XXXX XXXX XXXX directly. Their internal records confirm that : The identification information does not match my government-issued ID. \n\nThe registered address on file is not mine. \n\nNo adverse action notice was ever sent to me due to the mismatch and invalid data. \n\nThis proves that the account is not only unauthorized but can not be verified due to mismatched credentials. As such, this account must be removed immediately in accordance with federal law. \n\nFCRA Requirements and Your Legal Obligations Under the Fair Credit Reporting Act ( FCRA ), I have submitted a formal Identity Theft Report and accompanying police report identifying this account as fraudulent. As such, Equifax is legally required to : FCRA 15 U.S.C. 1681c-2 ( a ) Upon receipt of an identity theft report and proper documentation, the consumer reporting agency must block the reporting of any information resulting from identity theft within XXXX ( XXXX ) business days. This includes any accounts opened using stolen identification, such as a Social Security number or drivers license. \n\nYour failure to block and delete the XXXX XXXX XXXX account constitutes a direct violation of this section.\n\nEquifaxs Role : Aiding and Abetting Fraud Despite this conclusive evidence and your legal obligation to act, you have continued to report this account. By knowingly allowing an unverifiable and fraudulent account to remain on my credit report : You are aiding and abetting XXXX XXXX XXXX in identity theft and false reporting. \n\nThis conduct rises beyond civil negligence and into the realm of criminal complicity under 18 U.S.C. 1343, 1344, 1341, 371, and 1519.\n\nYou are transmitting false information electronically ( wire fraud ), knowingly allowing banks to make decisions based on false data ( bank fraud ), and participating in the mailing of adverse actions based on that false data ( mail fraud ). \n\nThis also constitutes obstruction of justice by ignoring documented proof of identity theft and regulatory complaints. \n\nIdentity Theft & Breach Vulnerability In XX/XX/year>, during a trip to XXXX, Texas, I lost my wallet containing my government-issued ID, Social Security card , and sensitive financial documents. Despite immediate efforts, I was unable to recover it.\n\nIn the years since, Ive become increasingly vulnerable due to a combination of : Nationwide data breaches involving major institutions ( including financial and credit entities ). \n\nMy lost identification documents, which have likely been exploited to open fraudulent accounts. \nUnlawful Reinsertion of Previously Deleted Fraudulent Information It is also critical to note that Equifax previously deleted the XXXX XXXX XXXX account from my credit file after I submitted a formal dispute. However, you unlawfully reinserted this same fraudulent account without providing the legally required notice under FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). The law mandates that if a deleted item is reinserted, the consumer must receive written notice within five ( 5 ) business days of the reinsertion, which I did not receive. This blatant disregard for federal law deprived me of my right to challenge the reinsertion, and further underscores XXXX ongoing pattern of noncompliance. Reinserting previously deleted data without proper validation or notification is not only deceptiveit is unlawful and reinforces your complicity in maintaining false and damaging credit information. \n\n\n\nGiven these facts, it is not only foreseeablebut obviousthat fraudulent activity like this could occur. Equifax is fully aware of the rising tide of identity theft and bears a heightened duty of care in investigating and resolving such claims properly and in compliance with the law.","date_sent_to_company":"2025-04-07T01:41:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77006","tags":null,"has_narrative":true,"complaint_id":"12846120","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-07T01:05:02.000Z","state":"TX","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["Unlawful Reinsertion of Fraudulent Accounts EQUIFAX initially deleted an account after my <em>dispute</em>, only to reinsert it without legally required notice under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This is a clear violation, as they failed to provide written <em>notification</em> <em>within</em> <em>five</em> <em>business</em> <em>days</em>, <em>depriving</em> me of my right to <em>dispute</em> it <em>again</em>. 2."]},"sort":[12.945469,"12846120"]},{"_index":"complaint-public-v1","_id":"12353562","_score":9.841367,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX violated 18 U.S.C. 1343 ( XXXX XXXX ) by transmitting false data security assurances while failing to prevent unauthorized electronic access to consumer information. They violated 18 U.S.C. 1341 ( XXXX XXXXXXXX ) by sending misleading written communications claiming strong protections, then allowing breaches. Under 18 U.S.C. 1344 ( XXXX  XXXX ), they facilitated fraudulent use of compromised consumer nancial data, harming nancial institutions. By providing false statements to federal agencies and regulators, XXXX violated 18 U.S.C. 1001, and their repeated actions show a pattern of racketeering activity, violating 18 U.S.C. 1962 ( XXXX ). Their willful disregard of basic cybersecurity standards and enabling of identity theft also violate 18 U.S.C. 1028 ( Identity Theft ) and 18 U.S.C. 1030 ( Computer Fraud and Abuse Act ). Collectively, these acts form a conspiracy under 18 U.S.C. 371, demonstrating deliberate participation in unlawful In XX/XX/XXXX, during a trip to XXXX, Texas, I lost my wallet, which contained sensitive personal information, including my government-issued ID, Social Security card XXXX and financial documents. Despite retracing my steps, I was unable to recover it. At the time, I did not report the loss because I did not notice any immediate fraudulent activity. Recently, while reviewing my credit report, I discovered fraudulent accounts had been opened in my name shortly after the loss. These accounts were opened without my authorization, using my stolen information, and adverse actions were sent to an address that does not belong to me. I am filing this report because I believe the person who found my wallet used my personal information to commit identity theft. I am pursuing all legal remedies to resolve this matter and hold the responsible party accountable. I am filing this complaint against XXXX for multiple violations of federal law regarding their handling of fraudulent accounts on my credit report. Despite an FTC Identity Theft Report already on file and a newly filed police report, XXXX continues to report accounts that were fraudulently opened in my name. These accounts stem from a stolen wallet containing my government-issued ID, Social Security XXXX XXXX and financial information, which led to unauthorized credit activity. Violations Committed by XXXX XXXX XXXX Unlawful Reinsertion of Fraudulent Accounts XXXX initially deleted an account after my dispute, only to reinsert it without legally required notice under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This is a clear violation, as they failed to provide written notification within five business days, depriving me of my right to dispute it again. 2. Failure to Block Fraudulent Information Under FCRA 15 U.S.C. 1681c-2 ( a ), XXXX must block information resulting from identity theft within four business days after receiving proper documentation, including an FTC Identity Theft Report and a police report. They refused to comply, allowing creditors to continue reporting fraudulent accounts. XXXX. Failure to Validate Information I requested debt validation for the fraudulent accounts as required under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), but XXXX failed to provide any proof that I authorized these accounts. If no legal proof exists, they are obligated to delete the information immediately. XXXX. Criminal Violations Committed By knowingly reporting false information, XXXX XXXXs engaging in wire fraud ( 18 U.S.C. 1343 ), bank fraud ( 18 U.S.C. 1344 ), and mail fraud ( 18 U.S.C. 1341 ), as they transmitted fraudulent data electronically and allowed adverse action notices to be sent to an incorrect address. Additionally, their actions amount to conspiracy under 18 U.S.C. 371, as they are willfully participating in deceptive financial reporting that harms consumers. TBOM/CONTFIN is not above the law and can not continue to act as if they are merely a reporting entity while ignoring their legal obligations. I will pursue civil litigation if necessary and will also escalate this matter to the United States XXXXXXXX XXXX  for criminal review. There is indisputable evidence proving XXXX  Is noncompliance, and they can not lawfully claim innocence given the facts presented. Criminal Violations Committed by XXXX Under Title 18 U.S. Code XXXX actions in knowingly re-reporting fraudulent accounts, failing to block identity theft-related information, and refusing to comply with federal dispute laws constitute multiple criminal violations under Title XXXX of the United States Code. These violations extend beyond civil infractions and fall under federal criminal law, which carries severe penalties, including fines and imprisonment. Below are the specific statutes XXXX has violated : XXXX. XXXX XXXX ( 18 U.S.C. 1343 ) XXXX  has engaged in wire fraud by electronically transmitting false and misleading information across state lines. Despite receiving an FTC Identity Theft Report and a police report, they continue to report fraudulent accounts as valid. By doing so, they knowingly facilitate the misrepresentation of my financial status to lenders, which can cause financial harm, denials of credit, or higher interest rates. This constitutes a scheme to defraud, using electronic means to commit fraud against me as a consumer. XXXX. XXXX  XXXX ( 18 U.S.C. 1344 ) TBOM/CONTFIN refusal to correct fraudulent accounts enables creditors to make lending decisions based on false information. This affects federally insured banks that rely on XXXX reports when determining loan eligibility. By knowingly allowing fraudulent accounts to remain, XXXX is aiding and abetting bank fraud by facilitating financial deception that leads to wrongful lending or credit denials. XXXX. XXXX XXXX  ( 18 U.S.C. 1341 ) XXXX  permitted creditors to send adverse action notices to an incorrect address, resulting in my inability to dispute fraudulent accounts in a timely manner. Mailing false credit reports and adverse actions based on fraudulent data constitutes mail fraud, as they knowingly sent or caused misleading documents to be mailed, which is a federal offense. XXXX. Conspiracy to Commit Fraud ( 18 U.S.C. 371 ) XXXX willful collaboration with creditors to keep fraudulent accounts reporting, despite clear evidence of identity theft, constitutes conspiracy to commit fraud. They are acting in concert with financial institutions by refusing to delete fraudulent accounts, ultimately harming consumers while profiting from inaccurate credit reporting. XXXX. Obstruction of Justice ( 18 U.S.C. 1519 ) XXXX refusal to acknowledge official identity theft complaints, police reports, and FTC reports amounts to obstruction of justice. By ignoring and delaying legally required actions, they are actively interfering with federal investigations and regulatory enforcement, which is a federal crime. 6.Failure to Provide Adverse Action Notices Under 15 U.S.C. 1681m ( a ) of the Fair Credit Reporting Act ( FCRA ), creditors are legally required to provide adverse action notices when they deny credit based on information from a credit report. Despite repeated denials, none of the creditors reporting on my file have issued such notices, depriving me of my right to understand and dispute the reasons behind these adverse decisions. This failure violates federal law and undermines transparency in consumer reporting. 7.Fraudulent Use of False Addresses to Collect Debt The inaccurate addresses in my credit file have been exploited by creditors to conspire in fraudulent debt collection activities, violating both civil and criminal statutes. 8.Conspiracy to Legitimize Invalid Debts ( 18 U.S.C. 371 ) : TBOM/CONTFIN in collusion with associated creditors, has conspired to use fraudulent information to legitimize debts that are either invalid or outdated. By reporting incorrect addressesspecifically XXXX XXXX XXXX XXXX XXXX tx XXXX & XXXX XXXX XXXX XXXX nj XXXX,, where I have never residedthey have fabricated a connection between me and these illegitimate debts. This calculated conspiracy aims to deceive and manipulate both consumers and financial institutions for unlawful financial gain. egregious violations committed by XXXX XXXX its affiliated creditors, and associated parties. Their actions not only contravene consumer protection laws but also constitute violations of criminal statutes, causing harm to my financial standing and perpetuating fraudulent practices. XXXX. Failure to Provide Adverse Action Notices Under 15 U.S.C. 1681m ( a ) of the Fair Credit Reporting Act ( FCRA ), creditors are legally required to provide adverse action notices when they deny credit based on information from a credit report. Despite repeated denials, none of the creditors reporting on my file have issued such notices, depriving me of my right to understand and dispute the reasons behind these adverse decisions. This failure violates federal law and undermines transparency in consumer reporting. 2. Inaccurate Address Reporting The Federal Trade Commission ( FTC ) identity theft report fraudulent addresses that have been inaccurately reported on my credit file, including : XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX nj XXXX These addresses are entirely fraudulent, and I have never resided at or been associated with them. XXXX continued inclusion of these addresses violates 15 U.S.C. 1681e ( b ), which mandates credit reporting agencies to ensure maximum possible accuracy of the data they report. By knowingly including these false addresses, XXXX has acted negligently and in bad faith, directly facilitating harm to my creditworthiness and perpetuating fraudulent debt collection schemes. XXXX. Fraudulent Use of False Addresses to Collect Debt The inaccurate addresses in my credit file have been exploited by creditors to conspire in fraudulent debt collection activities, violating both civil and criminal statutes : : Conspiracy to Legitimize Invalid Debts ( 18 U.S.C. 371 ) : XXXX, in collusion with associated creditors, has conspired to use fraudulent information to legitimize debts that are either invalid or outdated. By reporting incorrect addressesspecifically XXXX XXXX XXXX XXXX XXXX tx XXXX, XXXX XXXX XXXX XXXX nj XXXX,, where I have never residedthey have fabricated a connection between me and these illegitimate debts. This calculated conspiracy aims to deceive and manipulate both consumers and financial institutions for unlawful financial gain. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 18 U.S.C. 1343 ) : XXXX has knowingly transmitted false address data and outdated debt information electronically across state lines. By doing so, they have engaged in wire fraud, intentionally deceiving financial institutions and other entities that rely on accurate credit information. Their actions have directly harmed me financially by negatively impacting my creditworthiness based on fabricated data. XXXX XXXXXXXX XXXX Distribution of Inaccurate Credit Reports ( 18 U.S.C. 1341 ) : By mailing credit reports containing false addresses and obsolete debts, XXXX perpetuates a fraudulent scheme designed to mislead creditors and consumers. This misuse of the postal service to disseminate fraudulent information constitutes mail fraud. Their deliberate actions have sown confusion and inflicted unwarranted damage on my financial reputation. XXXX XXXX XXXX XXXX Statutes ( 18 U.S.C. 1961 et seq. ) : TBOM/CONTFIN persistent reporting of false information, combined with its collaboration with creditors engaging in deceptive practices, establishes a clear pattern of racketeering activity. Their systematic fraud falls squarely under the Racketeer Influenced and Corrupt Organizations Act ( RICO ). By operating an enterprise through a pattern of racketeering activity, XXXX has XXXX blatant disregard for federal law and consumer rights. XXXX XXXXXXXX Affecting Financial Institutions ( 18 U.S.C. 1344 ) : By providing false data to financial institutions, XXXX has engaged in bank fraud. Their actions have undermined the integrity of the banking system, causing harm not only to me but also to lenders who rely on accurate information to make informed decisions. This deception has led to incorrect assessments of credit risk, potentially resulting in financial losses for these institutions. Fraudulent Misrepresentation Causing Direct Harm ( Common Law ) : TBOM/CONTFIN has intentionally misrepresented material information by reporting incorrect addresses and outdated debts. This fraudulent misrepresentation has directly harmed my financial standing, leading to unjust credit denials and tarnishing my reputation. Their willful deceit violates fundamental principles of honesty and fair dealing, inflicting measurable damages upon me. Unfair and Deceptive Practices Violating the FTC Act ( 15 U.S.C. 45 ) : XXXX actions constitute unfair and deceptive practices in violation of Section XXXX of the Federal Trade Commission Act. By misrepresenting my credit information, they have engaged in conduct that is unethical, unscrupulous, and substantially injurious to consumers. Their practices are not only unjustified but also violate established standards of commerce and trade. Detailed Application of Violations : Conspiracy ( 18 U.S.C. 371 ) : XXXX  deliberate collaboration with creditors to report false information is a calculated effort to deceive. By fabricating addresses and associating invalid debts with my credit file, they have created a false narrative intended to coerce payment on debts that are not legally enforceable. This conspiracy is a direct affront to federal statutes designed to protect consumers from such collusive fraud. XXXX XXXX ( 18 U.S.C. 1343 ) : The electronic transmission of knowingly false credit data constitutes wire fraud. TBOM/CONTFIN actions were not accidental but intentional, with full awareness of the falsehoods being propagated. By transmitting this data, they have exploited interstate communication channels to perpetrate fraud, causing substantial financial harm to me and undermining the reliability of credit reporting systems. XXXX XXXXXXXX ( 18 U.S.C. 1341 ) : Utilizing the postal service to distribute fraudulent credit reports amplifies the severity of XXXX misconduct. Each mailed report containing false information is a deliberate act to mislead and defraud recipients. This systematic use of mail for fraudulent purposes demonstrates a flagrant disregard for federal law and the rights of consumers. RICO Violations ( 18 U.S.C. 1961 et seq. ) : XXXX ongoing fraudulent activities, in partnership with deceptive creditors, constitute a pattern of racketeering activity as defined by XXXX statutes. Their enterprise operates with the explicit purpose of defrauding consumers and financial institutions. This sustained pattern of illegal conduct necessitates immediate legal action to halt their unlawful operations and hold them accountable for their actions. XXXX  XXXX ( 18 U.S.C. 1344 ) : By providing financial institutions with false credit information, XXXX has directly influenced lending decisions, resulting in potential financial losses and unjust credit denials. Their intentional deception undermines the banking system 's integrity and violates federal laws designed to protect financial institutions from fraudulent activities. Fraudulent Misrepresentation ( Common Law ) : XXXX intentional reporting of false addresses and outdated debts is a clear case of fraudulent misrepresentation. They knew or should have known that this information was false, yet they willfully included it in my credit report. Their actions have caused me tangible harm, including damage to my credit score, denial of credit opportunities, and undue stress and hardship. Unfair Practices Under the FTC Act ( 15 U.S.C. 45 ) : TBOM/CONTFIN deceptive reporting practices are unfair under the FTC Act , causing substantial injury to consumers that is not reasonably avoidable and not outweighed by any benefits. Their actions are antithetical to fair business practices and have caused widespread harm to consumer trust and financial well-being. 5. Negligence and Malfeasance in Addressing Identity Theft TBOM/CONTFINs failure to correct these inaccuracies despite being notified through FTC Identity Theft Reports violates 15 U.S.C. 1681i ( a ), which requires credit reporting agencies to investigate disputed items promptly and correct or delete inaccurate or unverifiable information. Their inaction constitutes gross negligence and deliberate malfeasance, further enabling creditors to exploit these inaccuracies. XXXX, which have caused significant harm to my financial standing and represent blatant violations of multiple federal statutes, including the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. XXXX deliberate and systematic misconduct includes the following : XXXX. Violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) a. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : TBOM/CONTFIN is legally obligated under 15 U.S.C. 1681e ( b ) to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Misreporting of Personal Information : XXXX  has reported incorrect addressesspecifically XXXX XXXX XXXX XXXX XXXX tx XXXX, XXXX XXXX XXXX XXXX nj XXXX,, which are entirely false and have no association with me. Despite my notifications and disputes, these inaccuracies remain on my credit report. Inaccurate Account Information : XXXX  continues to report outdated debts that are over seven years old, which should have been excluded from my credit report. b. Inclusion of Obsolete Information ( 15 U.S.C. 1681c ( a ) ( 4 ) ) : Under 15 U.S.C. 1681c ( a ) ( 4 ), consumer reporting agencies are prohibited from reporting accounts placed for collection or charged to profit and loss which are more than seven years old. c. Failure to Reinvestigate Disputed Information ( 15 U.S.C. 1681i ( a ) ) : Per 15 U.S.C. 1681i ( a ), upon notification of disputed information, XXXX must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Neglect of Dispute Notices : Despite submitting formal disputes regarding the inaccurate addresses and outdated debts, XXXX has failed to conduct a proper reinvestigation or correct the misinformation. d. Failure to Provide Notice of Dispute to Information Furnishers ( 15 U.S.C. 1681i ( a ) ( 2 ) ) : Under 15 U.S.C. 1681i ( a ) ( 2 ), XXXX is required to notify the furnisher of the disputed information within five business days. Lack of Communication : There is no evidence that XXXX  has notified the creditors furnishing the inaccurate information about my disputes, further perpetuating the presence of false data on my credit report. e. Failure to Note Disputed Information in Subsequent Reports ( 15 U.S.C. 1681i ( c ) ) : Per 15 U.S.C. 1681i ( c ), if disputed information is not resolved, the consumer reporting agency must note the dispute in all subsequent consumer reports. Omission of Dispute Notation : XXXX has failed to include a notation of my disputes in subsequent credit reports, misleading creditors and other entities reviewing my credit history. f. Failure to Block Information Resulting from Identity Theft ( 15 U.S.C. 1681c-2 ) : Under 15 U.S.C. 1681c-2, upon receiving an identity theft report, a consumer reporting agency must block the reporting of information that resulted from identity theft. Ignoring Identity Theft Reports : Despite providing FTC Identity Theft Reports # XXXX and # XXXX, TBOM/CONTFIN has not blocked the fraudulent addresses and accounts from my credit report. 2. Violations of Other Consumer Protection Laws a. Fair Debt Collection Practices Act ( FDCPA ) Violations ( 15 U.S.C. 1692 et seq. ) : While the FDCPA primarily regulates XXXX XXXXXXXX, XXXX collaboration with creditors and XXXX XXXXXXXX in reporting invalid debts implicates violations of this act. Misrepresentation of XXXX : By reporting debts that are not legally enforceable due to expiration or identity theft, XXXX is facilitating unfair debt collection practices. b. Failure to Provide Adverse Action Notices ( 15 U.S.C. 1681m ) : Under 15 U.S.C. 1681m ( a ), any person who takes adverse action based on information in a consumer report must provide an adverse action notice to the consumer. Lack of Notification : Creditors relying on XXXX reports have taken adverse actions against me without providing the required notices, and XXXX has failed to ensure compliance with this requirement. XXXX Unfair Practices Under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ) : The Consumer Financial Protection Act prohibits unfair, deceptive, or abusive acts or practices in connection with consumer financial products or services. Unfair and Deceptive Reporting : XXXX persistent reporting of inaccurate information constitutes unfair and deceptive practices that harm consumers and distort the credit market. XXXX. Detailed Application of Violations a. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : XXXX negligence in reporting accurate information demonstrates a willful disregard for the FCRA 's requirements. Reasonable Procedures Not Followed : The continued presence of incorrect addresses and outdated debts indicates that XXXX has failed to implement reasonable procedures to ensure data accuracy. Willful Noncompliance : Given the repeated notifications and disputes submitted, XXXX inaction is not merely negligent but willful, exposing them to statutory and punitive damages under 15 U.S.C. 1681n. b. Inclusion of Obsolete Information ( 15 U.S.C. 1681c ( a ) ( 4 ) ) : Direct Violation : The inclusion of obsolete debts is a straightforward violation of the FCRA, causing unjust harm to my creditworthiness. Impact on Credit Opportunities : This outdated information adversely affects my ability to obtain credit, insurance, and employment opportunities. c. Failure to Reinvestigate Disputed Information ( 15 U.S.C. 1681i ( a ) ) : XXXX failure to properly investigate disputed information undermines the FCRA 's dispute resolution mechanism. Denial of Rights : By not conducting a reasonable reinvestigation, TBOM/CONTFIN denies me the right to correct inaccuracies, a fundamental protection afforded by the FCRA. Perpetuation of Errors : This failure allows false information to persist, compounding the damage to my credit profile. d. Ignoring Identity Theft Reports ( 15 U.S.C. 1681c-2 ) : TBOM/CONTFIN disregard for my identity theft reports exacerbates the harm caused by fraudulent activities. Mandatory Blocking Ignored : The FCRA requires blocking of information resulting from identity theft, yet TBOM/CONTFIN continues to report such data. Facilitating Fraud : By not removing this information, TBOM/CONTFIN enables identity thieves to continue exploiting my personal information. e. Unfair Practices Under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ) : TBOM/CONTFIN actions meet the criteria for unfair practices : Substantial Injury : The financial harm caused by inaccurate reporting is significant. Not Reasonably Avoidable : I have taken all reasonable steps to correct the inaccuracies, but TBOM/CONTFIN failures prevent resolution. No Countervailing Benefits : There is no justification for XXXX actions ; the harm outweighs any potential benefits. XXXX. Impact of XXXX Violations Financial Harm : Due to XXXX  misconduct, I have suffered from unjust credit denials, higher interest rates, and damage to my financial reputation. Emotional Distress : The stress and anxiety resulting from these violations have affected my well-being. Obstruction of Justice : XXXX actions obstruct my ability to protect myself from identity theft and to exercise my rights under federal law.","date_sent_to_company":"2025-03-06T17:29:36.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"77006","tags":null,"has_narrative":true,"complaint_id":"12353562","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DigniFi","date_received":"2025-03-06T17:22:24.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Violations Committed by XXXX XXXX XXXX Unlawful Reinsertion of Fraudulent Accounts XXXX initially deleted an account after my <em>dispute</em>, only to reinsert it without legally required notice under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This is a clear violation, as they failed to provide written <em>notification</em> <em>within</em> <em>five</em> <em>business</em> <em>days</em>, <em>depriving</em> me of my right to <em>dispute</em> it <em>again</em>. 2."],"issue":["Written <em>notification</em> about debt"],"sub_issue":["Didn't receive notice of right to <em>dispute</em>"]},"sort":[9.841367,"12353562"]},{"_index":"complaint-public-v1","_id":"12773899","_score":8.505566,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Equifax violated 18 U.S.C. 1343 ( Wire Fraud ) by transmitting false data security assurances while failing to prevent unauthorized electronic access to consumer information. They violated 18 U.S.C. 1341 ( Mail Fraud ) by sending misleading written communications claiming strong protections, then allowing breaches. Under 18 U.S.C. 1344 ( Bank Fraud ), they facilitated fraudulent use of compromised consumer FINnancial data, harming financial institutions. By providing false statements to federal agencies and regulators, CAPITAL XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX Equifax violated 18 U.S.C. 1001, and their repeated actions show a pattern of racketeering activity, violating 18 U.S.C. 1962 ( RICO ). Their willful disregard of basic cybersecurity standards and enabling of identity theft also violate 18 U.S.C. 1028 ( Identity Theft ) and 18 U.S.C. 1030 ( Computer Fraud and Abuse Act ). Collectively, these acts form a conspiracy under 18 U.S.C. 371, demonstrating deliberate participation in unlawful transactions. \n\n\nIn XX/XX/XXXX XXXX PM, while I was dining at a restaurant in XXXX XXXX, Texas XXXX XXXX XXXX, XXXX XXXX, TX XXXX, I lost my wallet, which contained sensitive personal information, including my government-issued ID, Social Security card , and financial documents. Despite retracing my steps, I was unable to recover it. At the time, I did not report the loss because I did not notice any immediate fraudulent activity. Recently, while reviewing my credit report, I discovered fraudulent accounts had been opened in my name shortly after the loss. These accounts were opened without my authorization, using my stolen information, and adverse actions were sent to an address that does not belong to me. I am filing this report because I believe the person who found my wallet used my personal information to commit identity theft. I am pursuing all legal remedies to resolve this matter and hold the responsible party accountable. I am filing this complaint against XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Equifax for multiple violations of federal law regarding their handling of fraudulent accounts on my credit report. Despite an FTC Identity Theft Report already on file and a newly filed police report, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX Equifax continues to report accounts that were fraudulently opened in my name. These accounts stem from a stolen wallet containing my government-issued ID, Social Security XXXX XXXX and financial information, which led to unauthorized credit activity. Violations Committed by XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. Unlawful Reinsertion of Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX & Equifax initially deleted an account after my dispute, only to reinsert it without legally required notice under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This is a clear violation, as they failed to provide written notification within five business days, depriving me of my right to dispute it again. 2. Failure to Block Fraudulent Information Under FCRA 15 U.S.C. 1681c-2 ( a ), CAPITAL XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX & Equifax must block information resulting from identity theft within four business days after receiving proper documentation, including an FTC Identity Theft Report and a police report. They refused to comply, allowing creditors to continue reporting fraudulent accounts. 3. Failure to Validate Information I requested debt validation for the fraudulent accounts as required under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), but XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX & Equifax failed to provide any proof that I authorized these accounts. If no legal proof exists, they are obligated to delete the information immediately. 4. Criminal Violations Committed By knowingly reporting false information, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX & Equifax is engaging in wire fraud ( 18 U.S.C. 1343 ), bank fraud ( 18 U.S.C. 1344 ), and mail fraud ( 18 U.S.C. 1341 ), as they transmitted fraudulent data electronically and allowed adverse action notices to be sent to an incorrect address. Additionally, their actions amount to conspiracy under 18 U.S.C. 371, as they are willfully participating in deceptive financial reporting that harms consumers. XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX Equifax is not above the law and can not continue to act as if they are merely a reporting entity while ignoring their legal obligations. I will pursue civil litigation if necessary and will also escalate this matter to the United States District Attorney for criminal review. There is indisputable evidence proving XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX Equifax Is noncompliance, and they can not lawfully claim innocence given the facts presented. Criminal Violations Committed by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX & Equifax Under Title 18 U.S. Code XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax actions in knowingly re-reporting fraudulent accounts, failing to block identity theft-related information, and refusing to comply with federal dispute laws constitute multiple criminal violations under Title 18 of the United States Code . These violations extend beyond civil infractions and fall under federal criminal law, which carries severe penalties, including fines and imprisonment. Below are the specific statutes XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX Equifax has violated : 1. Wire Fraud ( 18 U.S.C. 1343 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX & Equifax has engaged in wire fraud by electronically transmitting false and misleading information across state lines. Despite receiving an FTC Identity Theft Report and a police report, they continue to report fraudulent accounts as valid. By doing so, they knowingly facilitate the misrepresentation of my financial status to lenders, which can cause financial harm, denials of credit, or higher interest rates. This constitutes a scheme to defraud, using electronic means to commit fraud against me as a consumer. 2. Bank Fraud ( 18 U.S.C. 1344 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX & Equifax refusal to correct fraudulent accounts enables creditors to make lending decisions based on false information. This affects federally insured banks that rely on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX & Equifax reports when determining loan eligibility. By knowingly allowing fraudulent accounts to remainXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & Equifax is aiding and abetting bank fraud by facilitating financial deception that leads to wrongful lending or credit denials. 3. Mail Fraud ( 18 U.S.C. 1341 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX & Equifax permitted creditors to send adverse action notices to an incorrect address, resulting in my inability to dispute fraudulent accounts in a timely manner. Mailing false credit reports and adverse actions based on fraudulent data constitutes mail fraud, as they knowingly sent or caused misleading documents to be mailed, which is a federal offense. XXXX. Conspiracy to Commit Fraud ( 18 U.S.C. 371 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX Equifax willful collaboration with creditors to keep fraudulent accounts reporting, despite clear evidence of identity theft, constitutes conspiracy to commit fraud. They are acting in concert with financial institutions by refusing to delete fraudulent accounts, ultimately harming consumers while profiting from inaccurate credit reporting. XXXX. Obstruction of Justice ( 18 U.S.C. 1519 ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Equifax refusal to acknowledge official identity theft complaints, police reports, and FTC reports amounts to obstruction of justice. By ignoring and delaying legally required actions, they are actively interfering with federal investigations and regulatory enforcement, which is a federal crime. \n\nthis complaint against Equifax Information Services LLC for willful and negligent violations of the Computer Fraud and Abuse Act ( CFAA ), 18 U.S.C. 1030. Equifax has knowingly engaged in unauthorized use, transmission, and continued dissemination of my personal and sensitive information without proper authorization, despite clear evidence of identity theft and multiple formal notices. \n\nOn XX/XX/XXXX, while dining at a restaurant located at XXXX XXXX XXXX, XXXX XXXX, TX XXXX, I lost my wallet, which contained my government-issued ID, Social Security card , and financial documents. Shortly after this loss, fraudulent accounts were opened in my name without my knowledge or consent. \n\nUpon reviewing my Equifax credit file, I discovered unauthorized accounts and adverse actions listed, which were established using my stolen information. I have submitted to Equifax an FTC Identity Theft Report, a police report, and formal dispute letters, all documenting that these accounts were fraudulently opened and that adverse actions were taken against me based on this unauthorized data use. \n\nDespite receiving these official notices, Equifax has continued to willfully transmit, store, and disseminate false, inaccurate, and unauthorized data related to these fraudulent accounts, in violation of 18 U.S.C. 1030 ( a ) ( 2 ) ( C ), which prohibits intentionally accessing a computer without authorization or exceeding authorized access to obtain information from a protected computer.\n\nEquifaxs ongoing failure to block and remove this fraudulent data after being notified constitutes unauthorized access, transmission, and misuse of protected consumer information. Their noncompliance has resulted in : Continued unauthorized publication and transmission of my stolen information to third-party lenders and creditors. \n\nFacilitating further fraudulent activity and financial harm to me. \n\nObstructing federal processes and protections established under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act. \n\nAdditionally, by allowing unauthorized access to my personal data and transmitting this fraudulent information across interstate networks, Equifax is knowingly participating in conduct prohibited under the Computer Fraud and Abuse Act ( CFAA ), 18 U.S.C. 1030 ( a ) ( 5 ) ( A ) and ( C ) causing damage and loss to me as a consumer.","date_sent_to_company":"2025-04-02T04:10:05.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"75052","tags":null,"has_narrative":true,"complaint_id":"12773899","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-02T03:09:18.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Unlawful Reinsertion of Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX & Equifax initially deleted an account after my <em>dispute</em>, only to reinsert it without legally required notice under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This is a clear violation, as they failed to provide written <em>notification</em> <em>within</em> <em>five</em> <em>business</em> <em>days</em>, <em>depriving</em> me of my right to <em>dispute</em> it <em>again</em>. 2."],"issue":["Written <em>notification</em> about debt"],"sub_issue":["Didn't receive notice of right to <em>dispute</em>"]},"sort":[8.505566,"12773899"]},{"_index":"complaint-public-v1","_id":"12897294","_score":7.504507,"_source":{"product":"Debt collection","complaint_what_happened":"this formal complaint against TransUnion and TransUnion for multiple violations of federal law, including but not limited to the Fair Credit Reporting Act ( FCRA ) and Title 18 of the U.S. Code. My primary concern arises from the mishandling of my credit file, improper reinsertion of fraudulent accounts, failure to block fraudulent information, and obstruction of justice. Background of the Incident I lost my purse, which contained my government-issued ID, Social Security card , and financial documents. Despite my efforts to recover it, I was unable to do so. At the time, I did not immediately report the loss, as I did not notice any unauthorized activity. However, upon reviewing my credit report, I discovered that fraudulent accounts had been opened shortly after the loss using my stolen information. These fraudulent accounts were not only unauthorized but also resulted in adverse actions sent to an address that does not belong to me. I have since filed a police report and an FTC Identity Theft Report to document and address this identity theft. Despite these reports, TransUnion has refused to remove fraudulent accounts and TransUnions Special Handling Department, under the authority of an individual named XXXX, has been uncooperative, dismissive, and has failed to take the necessary protective actions regarding my identity and account security. Violations Committed by TransUnion XXXX. Unlawful Reinsertion of Fraudulent Accounts TransUnion initially removed a fraudulent account after my dispute, only to reinsert it without the legally required notice, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the FCRA. This action deprived me of my right to dispute it again, a blatant violation of consumer protection laws. 2. Failure to Block Fraudulent Information Under FCRA 15 U.S.C. 1681c-2 ( a ), a credit reporting agency must block identity theft-related information within four business days after receiving appropriate documentation, such as an FTC Identity Theft Report and a police report. Despite my submission of these documents, TransUnion refused to comply, allowing fraudulent accounts to continue damaging my credit profile. 3. Failure to Validate Information I formally requested debt validation for these fraudulent accounts under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), but TransUnion failed to provide any proof that I authorized the accounts. If no such proof exists, they are legally required to delete the information immediately, yet they continue to report these fraudulent accounts. 4. Criminal Violations Committed by TransUnion By knowingly reporting false information, TransUnion is engaged in multiple criminal offenses, including : Wire Fraud ( 18 U.S.C. 1343 ) : Transmitting fraudulent credit information electronically across state lines, despite receiving an FTC Identity Theft Report and a police report. Bank Fraud ( 18 U.S.C. 1344 ) : Knowingly allowing fraudulent accounts to remain, misleading federally insured financial institutions in lending decisions. Mail Fraud ( 18 U.S.C. 1341 ) : Enabling creditors to send adverse action notices to an incorrect address, preventing me from disputing fraudulent accounts. Conspiracy to Commit Fraud ( 18 U.S.C. 371 ) : Willfully collaborating with creditors to maintain fraudulent accounts despite evidence of identity theft. Obstruction of Justice ( 18 U.S.C. 1519 ) : Refusing to acknowledge official reports, obstructing federal investigations, and hindering regulatory enforcement efforts. Violations Committed by TransUnions Special Handling Department 1. Failure to Properly Investigate and Protect My Identity TransUnion, under the supervision of an individual named XXXX in the Special Handling Department Case Number : XXXX  has failed to secure my credit file and has acted in bad faith. Despite my request for added security measures, XXXX has been uncooperative, rude, and negligent in addressing my identity theft concerns. This is a direct violation of 15 U.S.C. 1681b ( a ) ( 2 ), which mandates credit bureaus to ensure the accuracy and protection of consumer credit reports. 2. Failure to Adhere to the FCRA and CFPB Guidelines As a consumer reporting agency, TransUnion is required to maintain accurate credit files and must comply with all consumer protection laws. Their failure to do so constitutes : Negligent Noncompliance with the FCRA ( 15 U.S.C. 1681o ) : Failing to take reasonable steps to prevent identity theft and fraudulent credit reporting. Willful Noncompliance with the FCRA ( 15 U.S.C. 1681n ) : Knowingly allowing inaccurate and fraudulent information to remain on my credit report. I lost my PURSE, which contained sensitive personal information, including my government-issued ID, Social Security card , and financial documents. Despite retracing my steps, I was unable to recover it. At the time, I did not report the loss because I did not notice any immediate fraudulent activity. Recently, while reviewing my credit report, I discovered fraudulent accounts had been opened in my name shortly after the loss. These accounts were opened without my authorization, using my stolen information, and adverse actions were sent to an address that does not belong to me. I am filing this report because I believe the person who found my wallet used my personal information to commit identity theft. I am pursuing all legal remedies to resolve this matter and hold the responsible party accountable. I am filing this complaint against TransUnion for multiple violations of federal law regarding their handling of fraudulent accounts on my credit report. Despite an FTC Identity Theft Report already on file and a newly filed police report, TransUnion continues to report accounts that were fraudulently opened in my name. These accounts stem from a stolen wallet containing my government-issued ID, Social Security card , and financial information, which led to unauthorized credit activity. Violations Committed by TransUnion 1. Unlawful Reinsertion of Fraudulent Accounts TransUnion initially deleted an account after my dispute, only to reinsert it without legally required notice under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This is a clear violation, as they failed to provide written notification within five business days, depriving me of my right to dispute it again. 2. Failure to Block Fraudulent Information Under FCRA 15 U.S.C. 1681c-2 ( a ), TransUnion must block information resulting from identity theft within four business days after receiving proper documentation, including an FTC Identity Theft Report and a police report. They refused to comply, allowing creditors to continue reporting fraudulent accounts. 3. Failure to Validate Information I requested debt validation for the fraudulent accounts as required under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), but TransUnion failed to provide any proof that I authorized these accounts. If no legal proof exists, they are obligated to delete the information immediately. 4. Criminal Violations Committed By knowingly reporting false information, TransUnion is engaging in wire fraud ( 18 U.S.C. 1343 ), bank fraud ( 18 U.S.C. 1344 ), and mail fraud ( 18 U.S.C. 1341 ), as they transmitted fraudulent data electronically and allowed adverse action notices to be sent to an incorrect address. Additionally, their actions amount to conspiracy under 18 U.S.C. 371, as they are willfully participating in deceptive financial reporting that harms consumers. TransUnion is not above the law and can not continue to act as if they are merely a reporting entity while ignoring their legal obligations. I will pursue civil litigation if necessary and will also escalate this matter to the United States District Attorney for criminal review. There is indisputable evidence proving TransUnion Is noncompliance, and they can not lawfully claim innocence given the facts presented. Criminal Violations Committed by TransUnion Under Title 18 U.S. Code TransUnion actions in knowingly re-reporting fraudulent accounts, failing to block identity theft-related information, and refusing to comply with federal dispute laws constitute multiple criminal violations under Title 18 of the United States Code . These violations extend beyond civil infractions and fall under federal criminal law, which carries severe penalties, including fines and imprisonment. Below are the specific statutes TransUnion has violated : 1. Wire Fraud ( 18 U.S.C. 1343 ) TransUnion has engaged in wire fraud by electronically transmitting false and misleading information across state lines. Despite receiving an FTC Identity Theft Report and a police report, they continue to report fraudulent accounts as valid. By doing so, they knowingly facilitate the misrepresentation of my financial status to lenders, which can cause financial harm, denials of credit, or higher interest rates. This constitutes a scheme to defraud, using electronic means to commit fraud against me as a consumer. 2. Bank Fraud ( 18 U.S.C. 1344 ) TransUnion refusal to correct fraudulent accounts enables creditors to make lending decisions based on false information. This affects federally insured banks that rely on TransUnion reports when determining loan eligibility. By knowingly allowing fraudulent accounts to remain, TransUnion is aiding and abetting bank fraud by facilitating financial deception that leads to wrongful lending or credit denials. 3. Mail Fraud ( 18 U.S.C. 1341 ) TransUnion permitted creditors to send adverse action notices to an incorrect address, resulting in my inability to dispute fraudulent accounts in a timely manner. Mailing false credit reports and adverse actions based on fraudulent data constitutes mail fraud, as they knowingly sent or caused misleading documents to be mailed, which is a federal offense. 4. Conspiracy to Commit Fraud ( 18 U.S.C. 371 ) TransUnion willful collaboration with creditors to keep fraudulent accounts reporting, despite clear evidence of identity theft, constitutes conspiracy to commit fraud. They are acting in concert with financial institutions by refusing to delete fraudulent accounts, ultimately harming consumers while profiting from inaccurate credit reporting. 5. Obstruction of Justice ( 18 U.S.C. 1519 ) TransUnion refusal to acknowledge official identity theft complaints, police reports, and FTC reports amounts to obstruction of justice. By ignoring and delaying legally required actions, they are actively interfering with federal investigations and regulatory enforcement, which is a federal crime. Under the FCRA, 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only under certain circumstances and for specified permissible purposes. I did not authorize these entities to access my credit information, nor did any permissible purpose exist for such inquiries and account postings. Therefore, their actions constitute a direct violation of federal law. 2. Unauthorized Access under the Computer Fraud and Abuse Act ( CFAA ), 18 U.S.C. 1030 ( a ) ( 2 ) Accessing my credit information without proper authorization may also constitute a violation of the CFAA, 18 U.S.C. 1030 ( a ) ( 2 ), which prohibits intentionally accessing a computer without authorization or exceeding authorized access to obtain information. By retrieving my credit report without my consent, these entities have potentially engaged in unlawful access to protected computer systems containing my personal and financial data. 3. TransUnion 's Responsibility under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) As a consumer reporting agency, TransUnion is obligated under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) to conduct a reasonable reinvestigation if a consumer disputes the completeness or accuracy of any item in their credit file. Failure to promptly correct or delete inaccurate, incomplete, or unverifiable information after such a dispute constitutes non-compliance with federal law. It is imperative that TransUnion upholds its legal duties to ensure the integrity of the information it reports. 4. Failure to Assure Maximum Possible Accuracy, 15 U.S.C. 1681e ( b ) Under 15 U.S.C. 1681e ( b ), TransUnion must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The inclusion of unauthorized inquiries and accounts indicates a failure to maintain reasonable procedures, thereby violating this provision of the FCRA. 5. Facilitating Violations of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 The GLBA requires financial institutions to protect the security and confidentiality of consumers ' nonpublic personal information. By allowing unauthorized entities to access and place information on my credit report, TransUnion may be facilitating violations of the GLBA, compromising the privacy and security of my personal financial data. 6. Negative Impact on My Creditworthiness These unauthorized inquiries and accounts have adversely affected my credit score and creditworthiness, causing potential harm to my financial reputation and opportunities. Under the FCRA, I have the right to dispute inaccurate information and expect timely correction to prevent further damage. 7. Violation of Wire Fraud Statute ( 18 U.S.C. 1343 ) TransUnion has committed wire fraud under 18 U.S.C. 1343 by electronically transmitting unauthorized hard inquiries and accounts on my credit report without my explicit consent. By using interstate wire communications to execute this scheme, TransUnion intentionally misrepresented my credit information. Despite prior disputes and notices, the company repeatedly included these unauthorized entries, demonstrating an intentional effort to defraud me through electronic means. This misuse of electronic systems to disseminate false information satisfies all elements required for wire fraud under federal law. 8. Violations Under the Racketeer Influenced and Corrupt Organizations Act ( RICO ) ( 18 U.S.C. 19611968 ) This marks the third instance in which TransUnion has been involved in reporting unauthorized inquiries and accounts from the same entities on my credit report. Under the Racketeer Influenced and Corrupt Organizations Act ( RICO ), 18 U.S.C. 19611968, engaging in a pattern of racketeering activity connected to an enterprise is prohibited. TransUnion 's repeated unauthorized reporting of this information, in collaboration with these companies, constitutes a pattern of racketeering activity. By knowingly facilitating these unauthorized entries, TransUnion is participating in an enterprise engaging in illegal activities, thereby violating RICO statutes. 9. Violation of Mail Fraud Statute ( 18 U.S.C. 1341 ) TransUnion is sending me copies of my credit report via postal mail, which contain unauthorized and inaccurate information. By using the United States Postal Service to deliver these credit reports with knowingly incorrect data, TransUnion is utilizing the mail system to further a scheme that misrepresents my creditworthiness. This action constitutes mail fraud under 18 U.S.C. 1341, which prohibits the use of the postal service in executing a scheme to defraud or obtain money or property by means of false or fraudulent pretenses, representations, or promises. TransUnion 's deliberate dissemination of false credit information through the mail meets all legal criteria for mail fraud as defined by federal law. 10. Aiding and Abetting Unauthorized Activities ( 18 U.S.C. 2 ) TransUnion is allowing these companies to place unauthorized inquiries and accounts on my credit report without proper verification or permissible purpose. By facilitating these unlawful actions and failing to protect me as a consumer, TransUnion is aiding and abetting these entities in violating federal laws, including the Fair Credit Reporting Act. Under 18 U.S.C. 2, anyone who aids, abets, counsels, commands, induces, or procures the commission of a federal offense is punishable as a principal. TransUnion 's negligence and failure to exercise due diligence make them complicit in these unlawful activities, directly contributing to the harm inflicted upon me. 11. Grounds for Bank Fraud ( 18 U.S.C. 1344 ) TransUnion 's actions also constitute bank fraud under 18 U.S.C. 1344, which prohibits schemes to defraud financial institutions or to obtain assets under their control by means of false or fraudulent pretenses. By inaccurately reporting information that adversely affects my creditworthiness, TransUnion is influencing financial institutions to make decisions based on false information. This leads to wrongful financial gain for the entities involved and causes financial harm to me. Manipulating credit reports in this manner meets the criteria for bank fraud as defined by federal law.","date_sent_to_company":"2025-04-09T07:42:27.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"630XX","tags":null,"has_narrative":true,"complaint_id":"12897294","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-09T07:33:08.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Unlawful Reinsertion of Fraudulent Accounts TransUnion initially deleted an account after my <em>dispute</em>, only to reinsert it without legally required notice under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This is a clear violation, as they failed to provide written <em>notification</em> <em>within</em> <em>five</em> <em>business</em> <em>days</em>, <em>depriving</em> me of my right to <em>dispute</em> it <em>again</em>. 2."],"issue":["Written <em>notification</em> about debt"],"sub_issue":["Didn't receive notice of right to <em>dispute</em>"]},"sort":[7.504507,"12897294"]},{"_index":"complaint-public-v1","_id":"12904486","_score":7.4842396,"_source":{"product":"Debt collection","complaint_what_happened":"this formal complaint against TransUnion and TransUnion for multiple violations of federal law, including but not limited to the Fair Credit Reporting Act ( FCRA ) and Title 18 of the U.S. Code. My primary concern arises from the mishandling of my credit file, improper reinsertion of fraudulent accounts, failure to block fraudulent information, and obstruction of justice. Background of the Incident I lost my purse, which contained my government-issued ID, Social Security card , and financial documents. Despite my efforts to recover it, I was unable to do so. At the time, I did not immediately report the loss, as I did not notice any unauthorized activity. However, upon reviewing my credit report, I discovered that fraudulent accounts had been opened shortly after the loss using my stolen information. These fraudulent accounts were not only unauthorized but also resulted in adverse actions sent to an address that does not belong to me. I have since filed a police report and an FTC Identity Theft Report to document and address this identity theft. Despite these reports, TransUnion has refused to remove fraudulent accounts and TransUnions Special Handling Department, under the authority of an individual named XXXX, has been uncooperative, dismissive, and has failed to take the necessary protective actions regarding my identity and account security. Violations Committed by TransUnion 1. Unlawful Reinsertion of Fraudulent Accounts TransUnion initially removed a fraudulent account after my dispute, only to reinsert it without the legally required notice, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the FCRA. This action deprived me of my right to dispute it again, a blatant violation of consumer protection laws. 2. Failure to Block Fraudulent Information Under FCRA 15 U.S.C. 1681c-2 ( a ), a credit reporting agency must block identity theft-related information within four business days after receiving appropriate documentation, such as an FTC Identity Theft Report and a police report. Despite my submission of these documents, TransUnion refused to comply, allowing fraudulent accounts to continue damaging my credit profile. 3. Failure to Validate Information I formally requested debt validation for these fraudulent accounts under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), but TransUnion failed to provide any proof that I authorized the accounts. If no such proof exists, they are legally required to delete the information immediately, yet they continue to report these fraudulent accounts. 4. Criminal Violations Committed by TransUnion By knowingly reporting false information, TransUnion is engaged in multiple criminal offenses, including : Wire Fraud ( 18 U.S.C. 1343 ) : Transmitting fraudulent credit information electronically across state lines, despite receiving an FTC Identity Theft Report and a police report. Bank Fraud ( 18 U.S.C. 1344 ) : Knowingly allowing fraudulent accounts to remain, misleading federally insured financial institutions in lending decisions. Mail Fraud ( 18 U.S.C. 1341 ) : Enabling creditors to send adverse action notices to an incorrect address, preventing me from disputing fraudulent accounts. Conspiracy to Commit Fraud ( 18 U.S.C. 371 ) : Willfully collaborating with creditors to maintain fraudulent accounts despite evidence of identity theft. Obstruction of Justice ( 18 U.S.C. 1519 ) : Refusing to acknowledge official reports, obstructing federal investigations, and hindering regulatory enforcement efforts. Violations Committed by TransUnions Special Handling Department 1. Failure to Properly Investigate and Protect My Identity TransUnion, under the supervision of an individual named XXXX in the Special Handling Department Case Number : XXXX has failed to secure my credit file and has acted in bad faith. Despite my request for added security measures, XXXX has been uncooperative, rude, and negligent in addressing my identity theft concerns. This is a direct violation of 15 U.S.C. 1681b ( a ) ( 2 ), which mandates credit bureaus to ensure the accuracy and protection of consumer credit reports. 2. Failure to Adhere to the FCRA and CFPB Guidelines As a consumer reporting agency, TransUnion is required to maintain accurate credit files and must comply with all consumer protection laws. Their failure to do so constitutes : Negligent Noncompliance with the FCRA ( 15 U.S.C. 1681o ) : Failing to take reasonable steps to prevent identity theft and fraudulent credit reporting. Willful Noncompliance with the FCRA ( 15 U.S.C. 1681n ) : Knowingly allowing inaccurate and fraudulent information to remain on my credit report. I lost my PURSE, which contained sensitive personal information, including my government-issued ID, Social Security card , and financial documents. Despite retracing my steps, I was unable to recover it. At the time, I did not report the loss because I did not notice any immediate fraudulent activity. Recently, while reviewing my credit report, I discovered fraudulent accounts had been opened in my name shortly after the loss. These accounts were opened without my authorization, using my stolen information, and adverse actions were sent to an address that does not belong to me. I am filing this report because I believe the person who found my wallet used my personal information to commit identity theft. I am pursuing all legal remedies to resolve this matter and hold the responsible party accountable. I am filing this complaint against TransUnion for multiple violations of federal law regarding their handling of fraudulent accounts on my credit report. Despite an FTC Identity Theft Report already on file and a newly filed police report, TransUnion continues to report accounts that were fraudulently opened in my name. These accounts stem from a stolen wallet containing my government-issued ID, Social Security card , and financial information, which led to unauthorized credit activity. Violations Committed by TransUnion 1. Unlawful Reinsertion of Fraudulent Accounts TransUnion initially deleted an account after my dispute, only to reinsert it without legally required notice under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This is a clear violation, as they failed to provide written notification within five business days, depriving me of my right to dispute it again. 2. Failure to Block Fraudulent Information Under FCRA 15 U.S.C. 1681c-2 ( a ), TransUnion must block information resulting from identity theft within four business days after receiving proper documentation, including an FTC Identity Theft Report and a police report. They refused to comply, allowing creditors to continue reporting fraudulent accounts. 3. Failure to Validate Information I requested debt validation for the fraudulent accounts as required under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), but TransUnion failed to provide any proof that I authorized these accounts. If no legal proof exists, they are obligated to delete the information immediately. 4. Criminal Violations Committed By knowingly reporting false information, TransUnion is engaging in wire fraud ( 18 U.S.C. 1343 ), bank fraud ( 18 U.S.C. 1344 ), and mail fraud ( 18 U.S.C. 1341 ), as they transmitted fraudulent data electronically and allowed adverse action notices to be sent to an incorrect address. Additionally, their actions amount to conspiracy under 18 U.S.C. 371, as they are willfully participating in deceptive financial reporting that harms consumers. TransUnion is not above the law and can not continue to act as if they are merely a reporting entity while ignoring their legal obligations. I will pursue civil litigation if necessary and will also escalate this matter to the United States District Attorney for criminal review. There is indisputable evidence proving TransUnion Is noncompliance, and they can not lawfully claim innocence given the facts presented. Criminal Violations Committed by TransUnion Under Title 18 U.S. Code TransUnion actions in knowingly re-reporting fraudulent accounts, failing to block identity theft-related information, and refusing to comply with federal dispute laws constitute multiple criminal violations under Title 18 of the United States Code . These violations extend beyond civil infractions and fall under federal criminal law, which carries severe penalties, including fines and imprisonment. Below are the specific statutes TransUnion has violated : 1. Wire Fraud ( 18 U.S.C. 1343 ) TransUnion has engaged in wire fraud by electronically transmitting false and misleading information across state lines. Despite receiving an FTC Identity Theft Report and a police report, they continue to report fraudulent accounts as valid. By doing so, they knowingly facilitate the misrepresentation of my financial status to lenders, which can cause financial harm, denials of credit, or higher interest rates. This constitutes a scheme to defraud, using electronic means to commit fraud against me as a consumer. 2. Bank Fraud ( 18 U.S.C. 1344 ) TransUnion refusal to correct fraudulent accounts enables creditors to make lending decisions based on false information. This affects federally insured banks that rely on TransUnion reports when determining loan eligibility. By knowingly allowing fraudulent accounts to remain, TransUnion is aiding and abetting bank fraud by facilitating financial deception that leads to wrongful lending or credit denials. 3. Mail Fraud ( 18 U.S.C. 1341 ) TransUnion permitted creditors to send adverse action notices to an incorrect address, resulting in my inability to dispute fraudulent accounts in a timely manner. Mailing false credit reports and adverse actions based on fraudulent data constitutes mail fraud, as they knowingly sent or caused misleading documents to be mailed, which is a federal offense. 4. Conspiracy to Commit Fraud ( 18 U.S.C. 371 ) TransUnion willful collaboration with creditors to keep fraudulent accounts reporting, despite clear evidence of identity theft, constitutes conspiracy to commit fraud. They are acting in concert with financial institutions by refusing to delete fraudulent accounts, ultimately harming consumers while profiting from inaccurate credit reporting. 5. Obstruction of Justice ( 18 U.S.C. 1519 ) TransUnion refusal to acknowledge official identity theft complaints, police reports, and FTC reports amounts to obstruction of justice. By ignoring and delaying legally required actions, they are actively interfering with federal investigations and regulatory enforcement, which is a federal crime.Under the FCRA, 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only under certain circumstances and for specified permissible purposes. I did not authorize these entities to access my credit information, nor did any permissible purpose exist for such inquiries and account postings. Therefore, their actions constitute a direct violation of federal law. 2. Unauthorized Access under the Computer Fraud and Abuse Act ( CFAA ), 18 U.S.C. 1030 ( a ) ( 2 ) Accessing my credit information without proper authorization may also constitute a violation of the CFAA, 18 U.S.C. 1030 ( a ) ( 2 ), which prohibits intentionally accessing a computer without authorization or exceeding authorized access to obtain information. By retrieving my credit report without my consent, these entities have potentially engaged in unlawful access to protected computer systems containing my personal and financial data. 3. TransUnion 's Responsibility under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) As a consumer reporting agency, TransUnion is obligated under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) to conduct a reasonable reinvestigation if a consumer disputes the completeness or accuracy of any item in their credit file. Failure to promptly correct or delete inaccurate, incomplete, or unverifiable information after such a dispute constitutes non-compliance with federal law. It is imperative that TransUnion upholds its legal duties to ensure the integrity of the information it reports. 4. Failure to Assure Maximum Possible Accuracy, 15 U.S.C. 1681e ( b ) Under 15 U.S.C. 1681e ( b ), TransUnion must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The inclusion of unauthorized inquiries and accounts indicates a failure to maintain reasonable procedures, thereby violating this provision of the FCRA. 5. Facilitating Violations of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 The GLBA requires financial institutions to protect the security and confidentiality of consumers ' nonpublic personal information. By allowing unauthorized entities to access and place information on my credit report, TransUnion may be facilitating violations of the GLBA, compromising the privacy and security of my personal financial data. 6. Negative Impact on My Creditworthiness These unauthorized inquiries and accounts have adversely affected my credit score and creditworthiness, causing potential harm to my financial reputation and opportunities. Under the FCRA, I have the right to dispute inaccurate information and expect timely correction to prevent further damage. 7. Violation of Wire Fraud Statute ( 18 U.S.C. 1343 ) TransUnion has committed wire fraud under 18 U.S.C. 1343 by electronically transmitting unauthorized hard inquiries and accounts on my credit report without my explicit consent. By using interstate wire communications to execute this scheme, TransUnion intentionally misrepresented my credit information. Despite prior disputes and notices, the company repeatedly included these unauthorized entries, demonstrating an intentional effort to defraud me through electronic means. This misuse of electronic systems to disseminate false information satisfies all elements required for wire fraud under federal law. 8. Violations Under the Racketeer Influenced and Corrupt Organizations Act ( RICO ) ( 18 U.S.C. 19611968 ) This marks the third instance in which TransUnion has been involved in reporting unauthorized inquiries and accounts from the same entities on my credit report. Under the Racketeer Influenced and Corrupt Organizations Act ( RICO ), 18 U.S.C. 19611968, engaging in a pattern of racketeering activity connected to an enterprise is prohibited. TransUnion 's repeated unauthorized reporting of this information, in collaboration with these companies, constitutes a pattern of racketeering activity. By knowingly facilitating these unauthorized entries, TransUnion is participating in an enterprise engaging in illegal activities, thereby violating RICO statutes. 9. Violation of Mail Fraud Statute ( 18 U.S.C. 1341 ) TransUnion is sending me copies of my credit report via postal mail, which contain unauthorized and inaccurate information. By using the United States Postal Service to deliver these credit reports with knowingly incorrect data, TransUnion is utilizing the mail system to further a scheme that misrepresents my creditworthiness. This action constitutes mail fraud under 18 U.S.C. 1341, which prohibits the use of the postal service in executing a scheme to defraud or obtain money or property by means of false or fraudulent pretenses, representations, or promises. TransUnion 's deliberate dissemination of false credit information through the mail meets all legal criteria for mail fraud as defined by federal law. 10. Aiding and Abetting Unauthorized Activities ( 18 U.S.C. 2 ) TransUnion is allowing these companies to place unauthorized inquiries and accounts on my credit report without proper verification or permissible purpose. By facilitating these unlawful actions and failing to protect me as a consumer, TransUnion is aiding and abetting these entities in violating federal laws, including the Fair Credit Reporting Act. Under 18 U.S.C. 2, anyone who aids, abets, counsels, commands, induces, or procures the commission of a federal offense is punishable as a principal. TransUnion 's negligence and failure to exercise due diligence make them complicit in these unlawful activities, directly contributing to the harm inflicted upon me. 11. Grounds for Bank Fraud ( 18 U.S.C. 1344 ) TransUnion 's actions also constitute bank fraud under 18 U.S.C. 1344, which prohibits schemes to defraud financial institutions or to obtain assets under their control by means of false or fraudulent pretenses. By inaccurately reporting information that adversely affects my creditworthiness, TransUnion is influencing financial institutions to make decisions based on false information. This leads to wrongful financial gain for the entities involved and causes financial harm to me. Manipulating credit reports in this manner meets the criteria for bank fraud as defined by federal law.","date_sent_to_company":"2025-04-09T07:24:11.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"77016","tags":null,"has_narrative":true,"complaint_id":"12904486","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-09T07:11:16.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Unlawful Reinsertion of Fraudulent Accounts TransUnion initially deleted an account after my <em>dispute</em>, only to reinsert it without legally required notice under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This is a clear violation, as they failed to provide written <em>notification</em> <em>within</em> <em>five</em> <em>business</em> <em>days</em>, <em>depriving</em> me of my right to <em>dispute</em> it <em>again</em>. 2."],"issue":["Written <em>notification</em> about debt"],"sub_issue":["Didn't receive notice of right to <em>dispute</em>"]},"sort":[7.4842396,"12904486"]},{"_index":"complaint-public-v1","_id":"12926172","_score":7.339573,"_source":{"product":"Debt collection","complaint_what_happened":"Adverse Action Narrative TransUnions Systematic Violation of FCRA 615 ( a ) and Federal Law I am submitting this narrative to document TransUnions unlawful reporting of fraudulent accounts and adverse public records without evidence of proper adverse action notification from furnishers, in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681m ( a ), and multiple provisions under Title 18 of the U.S. Code.\n\n1. Legal Obligation to Provide Adverse Action Notices According to FCRA 615 ( a ) ( 15 U.S.C. 1681m ), if a creditor, lender, or any entity takes adverse action against a consumer based on information obtained from a consumer reporting agency ( CRA ), they are required to send an adverse action notice that includes : The name and contact information of the CRA.\n\nA statement that the CRA did not make the decision to take the adverse action.\n\nA notice of the consumer 's right to a free credit report.\n\nThe right to dispute inaccuracies with the CRA. \n\nFailure to issue this notice is not only a violation of federal law it undermines my ability to respond, dispute, or correct errors in a timely manner. \n\n2. TransUnions Violation of this Requirement TransUnion is knowingly reporting fraudulent accounts and public records including bankruptcies and collection accounts without verifying whether an adverse action notice was sent by the creditor or data furnisher. \n\nIn many of these cases, the creditor used an address that does not belong to me and to which I never had access. \n\nThis is supported by : My FTC Identity Theft Report ( Report # XXXX ), which identifies accounts on my credit report that I never authorized and which are tied to unauthorized addresses, such as XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX none of which are my legal residences. \n\nMy XXXX XXXX Police Report ( XXXX ) documenting the loss of my drivers license, Social Security card, and other personal documents. These materials were likely used by third parties to fraudulently open accounts in my name. \n\nBecause these furnishers had incorrect and unauthorized addresses, it is legally impossible for them to have fulfilled the adverse action notice requirement under 1681m. If I never received a notice, I was never informed of the creditors adverse decision, and therefore deprived of my opportunity to dispute it.\n\nTransUnion, as the consumer reporting agency, has a duty under 15 U.S.C. 1681e ( b ) to maintain maximum possible accuracy in the consumer file and to use reasonable procedures to ensure that furnishers are compliant with the law. Allowing accounts to report without confirming proper adverse action notifications were issued to the consumer shows a failure of those procedures. \n\n3. Adverse Action Violations = FCRA Noncompliance + Criminal Conduct TransUnions willful and repeated actions violate : FCRA 615 ( a ) : No adverse action notices = illegal reporting.\n\nFCRA 1681e ( b ) : Failure to use reasonable procedures to ensure furnishers followed the law.\n\nFCRA 1681n & 1681o : Willful and negligent noncompliance with FCRA obligations.\n\nFCRA 1681i : Failure to investigate after formal disputes.\n\nBecause TransUnion continues reporting these accounts after receiving identity theft documentation, this conduct also meets the threshold for criminal violations : Wire Fraud ( 18 U.S.C. 1343 ) : Transmitting false credit data electronically.\n\nMail Fraud ( 18 U.S.C. 1341 ) : Using USPS to deliver credit reports containing knowingly inaccurate data.\n\nObstruction of Justice ( 18 U.S.C. 1519 ) : Ignoring FTC and police documentation.\n\nComputer Fraud and Abuse Act ( 18 U.S.C. 1030 ) : Unauthorized access, use, and dissemination of sensitive consumer data.\n\nAiding and Abetting ( 18 U.S.C. 2 ) : TransUnions cooperation with creditors who failed to follow the law makes them liable as a principal actor. \n\n4. The Core Issue : Lack of a Permissible Address = No Legal Notice Possible The entire adverse action process depends on a valid and current consumer address. In my case, creditors used old or fraudulent addresses, which means : They could not have legally notified me.\n\nI never received notice of these debts or denials.\n\nThe entries on my credit file were made and reported illegally.\n\nBy allowing these entries to remain on file despite having received identity theft affidavits and police documentation, TransUnion is complicit in these legal violations.\n\nthis formal complaint against TransUnion and TransUnion for multiple violations of federal law, including but not limited to the Fair Credit Reporting Act ( FCRA ) and Title 18 of the U.S. Code. My primary concern arises from the mishandling of my credit file, improper reinsertion of fraudulent accounts, failure to block fraudulent information, and obstruction of justice. Background of the Incident I lost my purse, which contained my government-issued ID, Social Security card , and financial documents. Despite my efforts to recover it, I was unable to do so. At the time, I did not immediately report the loss, as I did not notice any unauthorized activity. However, upon reviewing my credit report, I discovered that fraudulent accounts had been opened shortly after the loss using my stolen information. These fraudulent accounts were not only unauthorized but also resulted in adverse actions sent to an address that does not belong to me. I have since filed a police report and an FTC Identity Theft Report to document and address this identity theft. Despite these reports, TransUnion has refused to remove fraudulent accounts and TransUnions Special Handling Department, under the authority of an individual named XXXX, has been uncooperative, dismissive, and has failed to take the necessary protective actions regarding my identity and account security. Violations Committed by TransUnion 1. Unlawful Reinsertion of Fraudulent Accounts TransUnion initially removed a fraudulent account after my dispute, only to reinsert it without the legally required notice, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the FCRA. This action deprived me of my right to dispute it again, a blatant violation of consumer protection laws. 2. Failure to Block Fraudulent Information Under FCRA 15 U.S.C. 1681c-2 ( a ), a credit reporting agency must block identity theft-related information within four business days after receiving appropriate documentation, such as an FTC Identity Theft Report and a police report. Despite my submission of these documents, TransUnion refused to comply, allowing fraudulent accounts to continue damaging my credit profile. 3. Failure to Validate Information I formally requested debt validation for these fraudulent accounts under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), but TransUnion failed to provide any proof that I authorized the accounts. If no such proof exists, they are legally required to delete the information immediately, yet they continue to report these fraudulent accounts. 4. Criminal Violations Committed by TransUnion By knowingly reporting false information, TransUnion is engaged in multiple criminal offenses, including : Wire Fraud ( 18 U.S.C. 1343 ) : Transmitting fraudulent credit information electronically across state lines, despite receiving an FTC Identity Theft Report and a police report. Bank Fraud ( 18 U.S.C. 1344 ) : Knowingly allowing fraudulent accounts to remain, misleading federally insured financial institutions in lending decisions. Mail Fraud ( 18 U.S.C. 1341 ) : Enabling creditors to send adverse action notices to an incorrect address, preventing me from disputing fraudulent accounts. Conspiracy to Commit Fraud ( 18 U.S.C. 371 ) : Willfully collaborating with creditors to maintain fraudulent accounts despite evidence of identity theft. Obstruction of Justice ( 18 U.S.C. 1519 ) : Refusing to acknowledge official reports, obstructing federal investigations, and hindering regulatory enforcement efforts. Violations Committed by TransUnions Special Handling Department 1. Failure to Properly Investigate and Protect My Identity TransUnion, under the supervision of an individual named XXXX in the Special Handling Department Case Number : XXXX has failed to secure my credit file and has acted in bad faith. Despite my request for added security measures, XXXX has been uncooperative, rude, and negligent in addressing my identity theft concerns. This is a direct violation of 15 U.S.C. 1681b ( a ) ( 2 ), which mandates credit bureaus to ensure the accuracy and protection of consumer credit reports. 2. Failure to Adhere to the FCRA and CFPB Guidelines As a consumer reporting agency, TransUnion is required to maintain accurate credit files and must comply with all consumer protection laws. Their failure to do so constitutes : Negligent Noncompliance with the FCRA ( 15 U.S.C. 1681o ) : Failing to take reasonable steps to prevent identity theft and fraudulent credit reporting. Willful Noncompliance with the FCRA ( 15 U.S.C. 1681n ) : Knowingly allowing inaccurate and fraudulent information to remain on my credit report. I lost my PURSE, which contained sensitive personal information, including my government-issued ID, Social Security card , and financial documents. Despite retracing my steps, I was unable to recover it. At the time, I did not report the loss because I did not notice any immediate fraudulent activity. Recently, while reviewing my credit report, I discovered fraudulent accounts had been opened in my name shortly after the loss. These accounts were opened without my authorization, using my stolen information, and adverse actions were sent to an address that does not belong to me. I am filing this report because I believe the person who found my wallet used my personal information to commit identity theft. I am pursuing all legal remedies to resolve this matter and hold the responsible party accountable. I am filing this complaint against TransUnion for multiple violations of federal law regarding their handling of fraudulent accounts on my credit report. Despite an FTC Identity Theft Report already on file and a newly filed police report, TransUnion continues to report accounts that were fraudulently opened in my name. These accounts stem from a stolen wallet containing my government-issued ID, Social Security card , and financial information, which led to unauthorized credit activity. Violations Committed by TransUnion 1. Unlawful Reinsertion of Fraudulent Accounts TransUnion initially deleted an account after my dispute, only to reinsert it without legally required notice under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This is a clear violation, as they failed to provide written notification within five business days, depriving me of my right to dispute it again. 2. Failure to Block Fraudulent Information Under FCRA 15 U.S.C. 1681c-2 ( a ), TransUnion must block information resulting from identity theft within four business days after receiving proper documentation, including an FTC Identity Theft Report and a police report. They refused to comply, allowing creditors to continue reporting fraudulent accounts. 3. Failure to Validate Information I requested debt validation for the fraudulent accounts as required under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), but TransUnion failed to provide any proof that I authorized these accounts. If no legal proof exists, they are obligated to delete the information immediately. 4. Criminal Violations Committed By knowingly reporting false information, TransUnion is engaging in wire fraud ( 18 U.S.C. 1343 ), bank fraud ( 18 U.S.C. 1344 ), and mail fraud ( 18 U.S.C. 1341 ), as they transmitted fraudulent data electronically and allowed adverse action notices to be sent to an incorrect address. Additionally, their actions amount to conspiracy under 18 U.S.C. 371, as they are willfully participating in deceptive financial reporting that harms consumers. TransUnion is not above the law and can not continue to act as if they are merely a reporting entity while ignoring their legal obligations. I will pursue civil litigation if necessary and will also escalate this matter to the United States District Attorney for criminal review. There is indisputable evidence proving TransUnion Is noncompliance, and they can not lawfully claim innocence given the facts presented. Criminal Violations Committed by TransUnion Under Title 18 U.S. Code TransUnion actions in knowingly re-reporting fraudulent accounts, failing to block identity theft-related information, and refusing to comply with federal dispute laws constitute multiple criminal violations under Title 18 of the United States Code . These violations extend beyond civil infractions and fall under federal criminal law, which carries severe penalties, including fines and imprisonment. Below are the specific statutes TransUnion has violated : 1. Wire Fraud ( 18 U.S.C. 1343 ) TransUnion has engaged in wire fraud by electronically transmitting false and misleading information across state lines. Despite receiving an FTC Identity Theft Report and a police report, they continue to report fraudulent accounts as valid. By doing so, they knowingly facilitate the misrepresentation of my financial status to lenders, which can cause financial harm, denials of credit, or higher interest rates. This constitutes a scheme to defraud, using electronic means to commit fraud against me as a consumer. 2. Bank Fraud ( 18 U.S.C. 1344 ) TransUnion refusal to correct fraudulent accounts enables creditors to make lending decisions based on false information. This affects federally insured banks that rely on TransUnion reports when determining loan eligibility. By knowingly allowing fraudulent accounts to remain, TransUnion is aiding and abetting bank fraud by facilitating financial deception that leads to wrongful lending or credit denials. 3. Mail Fraud ( 18 U.S.C. 1341 ) TransUnion permitted creditors to send adverse action notices to an incorrect address, resulting in my inability to dispute fraudulent accounts in a timely manner. Mailing false credit reports and adverse actions based on fraudulent data constitutes mail fraud, as they knowingly sent or caused misleading documents to be mailed, which is a federal offense. XXXX. Conspiracy to Commit XXXX ( XXXX XXXX. XXXX ) TransUnion willful collaboration with creditors to keep fraudulent accounts reporting, despite clear evidence of identity theft, constitutes conspiracy to commit fraud. They are acting in concert with financial institutions by refusing to delete fraudulent accounts, ultimately harming consumers while profiting from inaccurate credit reporting. XXXX. Obstruction of Justice ( XXXX XXXX. XXXX ) TransUnion refusal to acknowledge official identity theft complaints, police reports, and FTC reports amounts to obstruction of justice. By ignoring and delaying legally required actions, they are actively interfering with federal investigations and regulatory enforcement, which is a federal crime. \n\nUnder the FCRA, XXXX XXXX. XXXX, a consumer reporting agency XXXX furnish a consumer report only under certain circumstances and for specified permissible purposes. I did not authorize these entities to access my credit information, nor did any permissible purpose exist for such inquiries and account postings. Therefore, their actions constitute a direct violation of federal law. 2. Unauthorized Access under the Computer Fraud and Abuse Act ( CFAA ), 18 U.S.C. 1030 ( a ) ( 2 ) Accessing my credit information without proper authorization may also constitute a violation of the CFAA, 18 U.S.C. 1030 ( a ) ( 2 ), which prohibits intentionally accessing a computer without authorization or exceeding authorized access to obtain information. By retrieving my credit report without my consent, these entities have potentially engaged in unlawful access to protected computer systems containing my personal and financial data. 3. TransUnion 's Responsibility under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) As a consumer reporting agency, TransUnion is obligated under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) to conduct a reasonable reinvestigation if a consumer disputes the completeness or accuracy of any item in their credit file. Failure to promptly correct or delete inaccurate, incomplete, or unverifiable information after such a dispute constitutes non-compliance with federal law. It is imperative that TransUnion upholds its legal duties to ensure the integrity of the information it reports. 4. Failure to Assure Maximum Possible Accuracy, 15 U.S.C. 1681e ( b ) Under 15 U.S.C. 1681e ( b ), TransUnion must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The inclusion of unauthorized inquiries and accounts indicates a failure to maintain reasonable procedures, thereby violating this provision of the FCRA. 5. Facilitating Violations of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 The GLBA requires financial institutions to protect the security and confidentiality of consumers ' nonpublic personal information. By allowing unauthorized entities to access and place information on my credit report, TransUnion may be facilitating violations of the GLBA, compromising the privacy and security of my personal financial data. 6. Negative Impact on My Creditworthiness These unauthorized inquiries and accounts have adversely affected my credit score and creditworthiness, causing potential harm to my financial reputation and opportunities. Under the FCRA, I have the right to dispute inaccurate information and expect timely correction to prevent further damage. 7. Violation of Wire Fraud Statute ( 18 U.S.C. 1343 ) TransUnion has committed wire fraud under 18 U.S.C. 1343 by electronically transmitting unauthorized hard inquiries and accounts on my credit report without my explicit consent. By using interstate wire communications to execute this scheme, TransUnion intentionally misrepresented my credit information. Despite prior disputes and notices, the company repeatedly included these unauthorized entries, demonstrating an intentional effort to defraud me through electronic means. This misuse of electronic systems to disseminate false information satisfies all elements required for wire fraud under federal law. 8. Violations Under the XXXX XXXX and Corrupt Organizations Act ( XXXX ) ( 18 U.S.C. 19611968 ) This marks the third instance in which TransUnion has been involved in reporting unauthorized inquiries and accounts from the same entities on my credit report. Under the XXXX XXXX and Corrupt Organizations Act ( XXXX ), 18 U.S.C. 19611968, engaging in a pattern of racketeering activity connected to an enterprise is prohibited. TransUnion 's repeated unauthorized reporting of this information, in collaboration with these companies, constitutes a pattern of racketeering activity. By knowingly facilitating these unauthorized entries, TransUnion is participating in an enterprise engaging in illegal activities, thereby violating XXXX statutes. 9. Violation of Mail Fraud Statute ( 18 U.S.C. 1341 ) TransUnion is sending me copies of my credit report via postal mail, which contain unauthorized and inaccurate information. By using the United States Postal Service to deliver these credit reports with knowingly incorrect data, TransUnion is utilizing the mail system to further a scheme that misrepresents my creditworthiness. This action constitutes mail fraud under 18 U.S.C. 1341, which prohibits the use of the postal service in executing a scheme to defraud or obtain money or property by means of false or fraudulent pretenses, representations, or promises. TransUnion 's deliberate dissemination of false credit information through the mail meets all legal criteria for mail fraud as defined by federal law. 10. Aiding and Abetting Unauthorized Activities ( 18 U.S.C. 2 ) TransUnion is allowing these companies to place unauthorized inquiries and accounts on my credit report without proper verification or permissible purpose. By facilitating these unlawful actions and failing to protect me as a consumer, TransUnion is aiding and abetting these entities in violating federal laws, including the Fair Credit Reporting Act. Under 18 U.S.C. 2, anyone who aids, abets, counsels, commands, induces, or procures the commission of a federal offense is punishable as a principal. TransUnion 's negligence and failure to exercise due diligence make them complicit in these unlawful activities, directly contributing to the harm inflicted upon me. 11. Grounds for Bank Fraud ( 18 U.S.C. 1344 ) TransUnion 's actions also constitute bank fraud under 18 U.S.C. 1344, which prohibits schemes to defraud financial institutions or to obtain assets under their control by means of false or fraudulent pretenses. By inaccurately reporting information that adversely affects my creditworthiness, TransUnion is influencing financial institutions to make decisions based on false information. This leads to wrongful financial gain for the entities involved and causes financial harm to me. Manipulating credit reports in this manner meets the criteria for bank fraud as defined by federal law.","date_sent_to_company":"2025-04-10T17:01:45.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"77038","tags":null,"has_narrative":true,"complaint_id":"12926172","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-10T16:11:33.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Unlawful Reinsertion of Fraudulent Accounts TransUnion initially deleted an account after my <em>dispute</em>, only to reinsert it without legally required notice under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This is a clear violation, as they failed to provide written <em>notification</em> <em>within</em> <em>five</em> <em>business</em> <em>days</em>, <em>depriving</em> me of my right to <em>dispute</em> it <em>again</em>. 2."],"issue":["Written <em>notification</em> about debt"],"sub_issue":["Didn't receive notice of right to <em>dispute</em>"]},"sort":[7.339573,"12926172"]},{"_index":"complaint-public-v1","_id":"2758925","_score":3.9493515,"_source":{"product":"Mortgage","complaint_what_happened":"TO : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \n\nXXXX, NC XXXX Who 's at fault? \n\n\n\n\n\nAND ... ..who 'll take the punitive damages liability, the penalty and criminal code punishment if my efforts to extend an Olive Branch to Bank of America falls through? \n\n\n\n\n\nThe Bank of America Board Chair and CEO, that 's whom. \n\n\n\n\n\n\n\nI 've requested the keys to XXXX XXXX XXXX XXXX XXXX , CA , but no more. \n\n\n\n\n\n\n\nNow, I 'm demanding them AND QUICK! \n\n\n\n\n\n\n\nEspecially since learning that the CEO has the ability to hand over those keys because he has first hand access to the property. \n\n\n\n\n\nThe way it looks to me, XXXX XXXX XXXX, has assumed possession of the house XXXX XXXX XXXX Stole from XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX. \n\n\n\n\n\n\n\n\n\n\" XXXX XXXX XXXX Announces Upsize and Pricing of Public Offering of Common Shares '' XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX A story in XXXX, says that several Bank and Mortgage Company CEO 's have \" bought out '' XXXX XXXX, the thief who stole XXXX. \n\n\nOr, put another way ; received Stolen Goods \" Receiving Stolen Property What Does It Mean to \" Receive Stolen Property ''? \n\nReceiving stolen property is acrime to purchase or accept property that you know or believe was obtained through theft.The crime is separate from robbery, extortion, or theft.Receiving stolen property is a crime in order to deter people from aiding or rewarding thieves by buying stolen property, concealing stolen property, and to deter theft in general.Receiving stolen propertymay be a misdemeanor or felony. '' Our home, our assetsin particular, and a plantation of homes in general. \n\n\n\" In order to be convicted of receiving stolen property, the prosecution must show Property Was In Fact Stolen : In order to be convicted of a receipt of stolen property, the property must actually be in a stolen status. This means that the police can not set up the defendant to receive the stolen property just to bust him or her. \nKnowledge : The defendant must have knowledge that the property was stolen, or should have known, that the property was stolen Intent to Defraud Owner : The defendant had intent to deprive the owner of his or her property, such as by keeping it, selling it, or giving it away to another party. '' XXXX \" owned '' XXXX XXXX, which now is in the hands of several racketeers. \n\n\nAs in the house he stole from us, we have Proof Of Reconveyance, from a Court Ordered Discharge and several CEO 's. \n\n\nAmong them, XXXX XXXX XXXX, Bank ofAmerica. \n\n\n\nHard to extend an Olive Branch to a CEO whose Vice Presidents record a Deed on behalf of my spouse and yours truly, and then assumes Trusteeship of the house ( s ) XXXX swiped. \n\n\n\" XXXX XXXX, BofA XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX are joint book-running managers for the offering, and XXXX XXXX XXXX is a co-manager for the offering. '' In some states, according to \" XXXX XXXX. XXXX, '' the prosecution must show that you intended to aid the thief by purchasing or accepting the stolen property. \n\n\n\n\" Some states also differentiate between receiving and possessing stolen property. '' Well, if we do n't get the keys to the house, resistance when we move in, or written and literal assistance to repossess the premises, that 's the direct link to the receiving of stolen property. \n\n\n\" XXXX, Ariz. -- ( XXXX XXXX ) -- XXXX  XXXX XXXX ( XXXX : XXXX ) ( the Company ) announced today that it priced its underwritten public offering of XXXX of its common shares at a public offering price of {$32.00} per share. \n\n\n\nThe Company is offering 9,600,000 of its common shares, according toBusinesswire, which it says was up-sized from the previously announced 8,000,000 common shares, and the selling shareholders are offering 10,476,891 common shares. \n\n\n\nThe gross proceeds to the Company, says the article, will be {$310.00} million. \n\n\n\nThe Company, it says, will not receive any proceeds from the offering of common shares by the selling shareholders. \n\n\n\" The Company and certain of the selling shareholders have granted the underwriters a 30-day option to purchase up to an additional 1,505,465 common shares and 1,506,068 common shares from the Company and such selling shareholders, respectively, at the public offering price. \n\nThe offering is expected to close on XXXX XXXX, XXXX, subject to customary closing conditions. '' By proxy of their lingering partnership in Criminal Foreclosures and other Illegal rackets, Bank of America is joined at the hip with all the operatives named in the purchase and sale by XXXX XXXX. \n\n\nWhat If I Did Not Know That the Property Was Stolen? \n\n\n\n\n\n\nThe answer : Bank of America is the Trustee So if they do n't have possession of the property, then it 's stolen. \n\n\n\n\n\n\" The key factor between receiving and possessing stolen property is the timing of the knowledge that it was stolen. If the person receiving the property knew it was stolen at the time of acquisition, then the person is guilty. \n\n\n\nIf the person discovered the property was stolen after accepting it, but still intends to keep it or use it for a dishonest purpose ( such as selling it to someone else ), then the person is guilty of possessing stolen property. '' Because XXXX knows his act of forgery, fraud and embezzlement have caught up to him. \n\n\n\n\nXXXX has said he wanted out, and now, out he goes. \n\n\n\" Trump friend XXXX XXXX cashes out of XXXX XXXX XXXX '' So now, Bank of America, as Trustee, has no defense for not coming up with those keys. Essentially, the Bank CEO has been left holding the Bag by XXXX, as he knows that his Trustee Deed ( s ) Upon Sale, used to steal these homes, are all fraudulent. \n\n\n\n\n\" What are the Possible Consequences of Receiving Stolen Property? \n\n\n\n\nReceipt of stolen property is categorized as a \" wobbler '' meaning that the charge can be a felony or misdemeanor. A charge for a receipt of stolen property charge depends on the value of the property at issue. If the property has a high value, the defendant would be charged a felony. If the property value is low, the defendant would be charged as a misdemeanor. If you are found guilty, the court may do any or all of the following : Imprisonment Restitution Fines ( depending on the value of the property ) Probation '' The following article connected to the above headline is writtenByXXXX XXXX XXXX, XXXX, a colleague of mine at XXXX XXXX XXXX, \" XXXX XXXX, a close confidant of President Donald Trumps, haswalked away from the rental housing empire he built following the housing bust, cashing out his ownership stake in a move likely to make him hundreds of millions of dollars. '' The move came late Friday, according to XXXX XXXX, one day afterReveal published an exposon the company he founded. \n\n\n\n\n\nAccording to afilingwith the Securities and Exchange Commission, Says the article 's author, XXXX sold all his stock in XXXX XXXX XXXX and resigned his position as co-chairman of its Board of Trustees. '' About the time XXXX XXXX sold his holdings, my spouse and me had filed a written complaint against him with the Consumer Financial ProtectionBureau. \n\n\n\n\n\n\n\nWe sent him a Certified package, wherein he found a copy of Deed ( s ) of Reconveyance from Bank of America ( XXXX XXXX, XXXX ), and a \" Release of Lien \" Letter ( XXXX XXXX, XXXX ) from XXXX XXXX, XXXX, a \" Wholly-Owned '' subsidiary of Bank of Anerica. \n\n\n\n\n\n\n\nIn addition, we mailed within the packet, copies of Reconveyances from : b ) XXXX XXXX XXXX XXXX. \n\n\n\nXXXX ) XXXX XXXX XXXX ( both now owned by XXXX XXXX XXXX ) d ) XXXX XXXX, XXXX. ( XXXX XXXX, XXXX ) e ) XXXX XXXX XXXX XXXX XXXX and the Chapter XXXX Banrutcy Case XXXX, via a Purchase and Sale Agreement ( XXXX XXXX, XXXX ) Contracted using the signatures of XXXX XXXX and XXXX XXXX, without our knowledge or permission. \n\n\n\n\n\n\n\nThrough the relay racket, possession of our home was left to the clutches of XXXX XXXX XXXX XXXX, which then colluded with XXXX XXXX XXXX whose Company then was called \" XXXX XXXX XXXX XXXX ), to steal our home with a forged Trustee Deed. \n\n\n\n\n\n\n\nAccording to XXXX the phenomenon XXXX started where tens of thousands of single-family homes are bundled into giant mortgage-backed securities, creating new incentives designed, to skimp on maintenance and maximize rents, says the author, But the phenomenon XXXX started will outlive his ownership. \n\n\n\n\n\n\" XXXX, who often says he likes to befriend the bewildered, has made a career out of profiting off other peoples pain. He began buying houses in XXXX, telling an audience in XXXX that the mass purchases of homes previously foreclosed on was the greatest thing Ive ever done. \n\n\n\n\" Current tenants, however, say the company piles on onerous fees and forces them to live with chronic leaks, mold, mites and even snake infestations. '' While in action with his stolen goods, XXXX XXXX XXXX was making deals with the devil, so to speak, and committing acts of treachery against \" tenants '', who probably were the same homeowners from whom the properties were stolen, and converted to Rentals. \n\n\n\n\n\nIn one county in the XXXX area, says XXXX, the company filed eviction notices against one-third of its tenants, according to a report by the XXXX XXXX XXXX XXXX XXXX. \n\n\n\n\n\n\n\nWere just little people in his world, XXXX XXXX, XXXX, said of XXXX. \n\n\n\n\n\nTwo weeks after her family moved into a XXXX XXXX home in suburban XXXX, she said a ceiling fan fell on her bed. \n\n\n\nXXXX first signaled his intention to sell in afilingwith the SECon Wednesday, says the article, a week after XXXX contacted the company for comment andfive days after XXXX talked to XXXX by phone, telling him directly that we planned to publish an investigation into poor conditions and mass evictions by XXXX. '' And I and others like me will continue pressing for that investigation, among others, as well as writing to the courts that have Bank of America and the others under foot. \n\n\n\n\n\n\n\nNot only will we pressure them into turning on their heretofore partners, but throwing them under the bus to save their own skins. \n\n\n\n\n\n\n\n\n\nIn this upcoming example, an appeals court made a clear distinction between two separate versions of purchase and sale. \n\n\n\" XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, California. \nXXXX XXXX, Plaintiff and Appellant, v. XXXX XXXX XXXX XXXX, XXXX. et al., Defendants and Responde XXXX Decided : XXXX XXXX, XXXX ORDER MODIFYING OPINION ; NO CHANGE IN JUDGMENT. \n\nOn the court 's own motion, we modify the opinion by deleting the sentence on page 10, stating, Additionally, the debtor has the right to postpone the foreclosure sale for one day to pay off the outstanding debt. ( XXXX v. XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX. ) Whatever the Court 's opinion, the distinction they make is clear and decisive, related to mortgages and transfer of title for a sale. \n\n\n\n\n\n' '' As we noted at the outset of this opinion, the Legislature has eliminated most of the legal and economic distinctions between a mortgage containing a power of sale and a deed of trust. \n\n\n\n( XXXX, XXXX, XXXX XXXX at p. 553 [ holding same rules are generally applied to mortgages and deeds of trust because there is little practical difference between the two instruments ]. ) However, some distinctions between the two security devices endure. \n\n\n\n\n\n\n\nProbably the most significant distinction is the execution of a mortgage involves only two parties ( i.e., he mortgagor and mortgagee ) ; whereas the execution of a deed of trust necessarily involves three parties ( i.e., the trustor-debtor, beneficiary-creditor, and trustee ) because title to the real property and the power of sale are conveyed to the third party trustee, who holds the interest for the benefit of the beneficiary-creditor. \n\n\n\n( See XXXX, XXXX, XXXX XXXX at p. 1510. ) '' In the case of a Title already transferred, the matter of a Deed of Trust is moot, and any purchase and sale agreement therefore is illegal. \n\n\n\n\n\n\n\nAnd if I am pushed to it, or someone challenges my demand for the keys, I will prove to them that the law ( s ) regarding refinancing, Purchase and Sale Contracts have been abused, butchered, broken. \n\n\n\n\n\nMy spouse and I have obtained transfer of the Deed of Trust to a Title all the way back to XXXX XXXX, XXXX, in the U.S. Chapter XXXXBankruptcy court ( XXXX ). \n\n\n\n\n\n\n\nThe court Discharged, our Debt and issued an order the Title be transferred to my spouse and me, based on the \" Final Decree '' submitted byXXXX XXXX as U.S. Chapter XXXX Trustee in the above-referenced case. \n\n\n\n\n\" XXXX XXXX, Chapter XXXX Trustee '' \" The Final Decree After the submission of a reorganization plan, the bankruptcy court conducts a hearing for confirmation. In certain cases, there may be some alteration or modification due to the interference of the interested parties. If there is no alteration or modification in the reorganization plan, the bankruptcy court initiates steps for the affirmation of the plan. \n\n\n\nAfter completion of all post-confirmation proceedings of the plan, the bankruptcy court sets time limits for filing a final report and motion for a final decree. The Bankruptcy Code requires the court to close a bankruptcy case immediately after full administration of the real property and the discharge of the US Trustee. In short, the entry of a final decree is meant to close a bankruptcy case. '' An Order for a Deed of Reconveyance came with the Discharge. \n\n\n\n\n\n\n\nThe Order was fulfilled by XXXX XXXX XXXX XXXX, which recorded a Deed of Recoveyance on that same date : XXXX XXXX, XXXX. \n\n\n\n\n\n\n\nIn this upcoming example, again, the appeals court made a clear distinction between two separate versions of purchase and sale. \n\n\n\n\n\n\n\n\" As the XXXX court explained, section 2932.5 's purpose is not to ensure that borrowers can identify who is holding their loans. Section 2932.5 requires the recorded assignment of a mortgage so that a prospective purchaser knows that the mortgagee has the authority to exercise the power of sale. \n\n\n\nThis is not necessary when a deed of trust is involved, as the trustee conducts the sale and transfers title. [ Citation. ] It is the trustee 's holding and transferring of title that underlies the application of different recording requirements than those required of mortgagees under section 2932.5 [ T ] he literal application of section 2932.5 to deeds of trust would effectively require the power of sale to be transferred to the lender, contrary to the terms of the trust deed and of section 2934a which provides detailed requirements for the transfer of the power of sale to another trustee. ( XXXX, XXXX, XXXX XXXX at p. 336, fn. omitted. ) We agree with the XXXX court that the transferee of a promissory note secured by a deed of trust is not a mortgagee, or other encumbrancer to whom a power of sale is given within the meaning of section 2932.5, and such a transferee need not have a duly acknowledged and recorded interest in the promissory note before exercising the power of sale. \n\n\n\nXXXX XXXX, XXXX, XXXX XXXX at p. 333. ) '' And if pressed to do so, I gladly will embarrass these detractors by proving their treachery, Evasion of Taxes, Embezzlement and Seizure of Assets and of Property without authority or legal standing. \n\n\n\n\n\" U.S. CodeTitle 12Chapter 38A 3763 12 U.S. Code 3763 - Transfer of title and possession US Code Notes Authorities ( CFR ) prev|next ( a ) Delivery of deeds The foreclosure commissioner shall, upon delivery of a deed or deeds to the purchaser or purchasers ( which shall be without warranty or covenants to the purchaser or purchasers ) obtain the balance of the purchase price in accordance with the terms of sale provided in the notice ofdefaultand foreclosure sale. \n\n\n\nNotwithstanding anyStatelaw to the contrary, delivery of a deed by the foreclosure commissioner shall be a conveyance of the property, and constitute passage of title to the mortgaged property, and no judicial proceedings shall be required ancillary or supplementary to the procedures provided in this chapter to assure the validity of the conveyance or confirmation of such conveyance. \n\n\n( b ) Right of possession A purchaser at a foreclosure sale held pursuant to this chapter shall be entitled to possession upon passage of title under subsection ( a ) to the mortgagedproperty, subject to any interest or interests not barred undersection 3765 of this title. \n\n\n\nAny person remaining in possession of the mortgaged property after thepassageof title shall be deemed a tenant at sufferance subject to eviction under local law. '' Our property never was legally mortgaged, and the \" loan ( s ) '' never were true transactions of a debt. \n\n\n\n\n\nThat 's because all of this was done under the false pretense of ownership, when in fact, we had and still have the requisite document ( s ) to show Clear Title. \n\n\n\n\n\nWe had and still have in our possession, at least five recorded versions of our Title Transfer by several Mortgagees, among them Bank of America. \n\n\n\n\n\nHaving recorded a Deed through XXXX XXXX, XXXX, a wholly owned Subsidiary of Bank of america, on XXXX XXXX, XXXX, and again ion XXXX XXXX, XXXX, Bank of America reaffirmed their version of our ownership witnessing, and now is the binding Trustee. \n\n\n\n\n\n\n\nIt is solely responsible for the fact that we do not have possession of our home, one they admit we own. \n\n\n\n\" XXXX XXXX XXXX XXXX, XXXX. \n\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX. \nXXXX : XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX : Substitution of Trustee and Full Reconveyance Property Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear Homeowner, Please be informed that when a mortgage or deed of trust is paid in full, the public records must be cleared using a legal document called a lien release or reconveyance. A lien release is a document which \" releases '' a lien on property included in public records. The lien release serves as notification that the borrower no longer owes that specific debt secured by an interest in the property. \n\nIn the states of California, Idaho, Montana, Nebraska, Nevada, Oregon, Utah, and Washington, the Reconveyance is combined or accompanied by a Substitution of Trustee wherein the lender or current holder/beneficiary substitutes the original Trustee with a new trustee. \n\nXXXX XXXX, XXXX, is substituted in the above referenced states to replace the original trustee for the very purpose of releasing a lien on the property. The document is accurate and properly recorded based on the state statutory guidelines and it removes th encumbrance from your property. \n\nXXXX XXXX XXXX, is a wholly-owned subsidiary of Bank of America, N.AXXXX, and is responsible for preparing, executing, notarizing and sending real property lien releases on behalf of Bank of America. \n\nPaid-in-full loans are referred to XXXX XXXX, XXXX, for lien release processing, All lien releases or reconveyances are recorded with the Country Recorder 's office where the original Deed of Trust or Mortgage was recorded. Please retain for your records the lien release or reconveyance you received as that is proof that your loan is paid in full and released from public records. '' Thank you for your business XXXX XXXX, XXXX. \nLien Release Department '' By holding my property hostage through outright theft, you are in direct violation of18 U.S. Code Section 641 : \" Whoever embezzles, steals, purloins, or knowingly converts to his use or the use of another, or without authority, sells, conveys or disposes of any record, voucher, money, or thing of value of the United States or of any department or agency thereof, or any property made or being made under contract for the United States or any department or agency thereof ; or Whoever receives, conceals, or retains the same with intent to convert it to his use or gain, knowing it to have been embezzled, stolen, purloined or converted Shall be fined under this title or imprisoned not more than ten years, or both ; but if the value of such property in the aggregate, combining amounts from all the counts for which the defendant is convicted in a single case, does not exceed the sum of {$1000.00}, he shall be fined under this title or imprisoned not more than one year, or both. '' To this point, they themselves would be guilty of stealing our home and assets. \n\n\n\n\n\n\nIn this article entitled, '' Failure to Reconvey : Quiet Title Without a Quiet Title ActionbyXXXX XXXX XXXX XXXX, XXXX |Attorneys, Blog, Civil Litigation, Real Estate WA XXXX Trusts and Estates WA, Washingon State '', the author illustrates what happens when the Trustee tries to weasel out and does not reconvey. \n\n\n\n\n\nThe author answers the question as to : \" What do you do when a seller fails to reconvey the title to property following payment of the loan, then dies? '' Failure to reconvey, says XXXX XXXX, puts a cloud on the title that must be quieted. However, warns the author, a quiet title action can be a drawn out and expensive matter. \n\n\n\n\n\n\n\n\" Is there a way to obtain a quiet title without a quiet title action? '' In this case, that 's exactly what the attorney accomplished for this client. \n\n\n\n\n\n\n\nAfter having agreed to take on the cumbersome title of Mortgage Trustee, the author notes the legal obligation one faces. \n\n\n\n\n\n\n\n\" As the proposed Trustee, I was less excited. I had two main concerns. \n\n\n\nFirst, the Trustee must act in good faith toward both the grantor and the beneficiary. \n\n\n\nThis would require a careful conflicts letter and explanation to both my client and the former owners daughter. \n\n\n\nBecause the daughters concerns had been, all along, the wording of the reconveyance request and the indemnification, not actual opposition to reconveying the property, her interest was not adverse to my client, and a carefully drawn conflicts letter was possible. '' Second, I was not wildly enthusiastic about taking on the liability of a Trustee. \n\n\n\nHowever, in this case, I did feel the risk was minimal. I had a long history with the client and remembered when she had paid off the Note. \n\n\n\nThe loan servicing company had a record of the payments showing the payoff by cashiers check as well as a notation that the documents had been returned for reconveyance. '' The loan servicing company had held the original Note and Deed of Trust until the loan was paid, saysXXXX XXXX, meaning that the Seller could not have assigned or sold it during that time. \n\n\n\n\n\n\n\n\" Further, this particular seller represented almost no risk of having fraudulently assigned the Note or Deed between the time they were returned to her and her death a few months later. \n\n\n\n\" Further, if either had been assigned, my client would, no doubt, have heard something from the new holder in the fourteen years that hadpassed since the documents had been returned. '' After explaining these concerns to my client and the daughter, both were willing to sign a conflict letter and my client was willing to indemnify me for taking on the role of Trustee. \n\n\n\nUpon this, the new title company was willing to issue a policy without holding back any proceeds. The title was cleared with no quiet title action and the sale closed within the extension period. '' What is the Olive Branch I sought to send Bank of America XXXX XXXX XXXX XXXX? \n\n\n\n\n\nInstead of being liable for the entire length of the criminal acts in our home ownership dispute Bank of America would assume liability for the the years between XXXX XXXX, XXXX, to XXXX XXXX, XXXX, plus penalty and interest for all payments, fees and charges. \n\n\n\n\n\nBut if they fail to resolve this issue of our home being held hostage, that in effect would render them sole Obligor. \n\n\n\n\" XXXX XXXX XXXX XXXX Obligor Definition : A person who is contractually or legally, committed or obliged, to providing something to another person ( the obligee ). \n\nRelated Terms : Promisor, Obligee, Debtor The recipient of the obligor 's benefit is theobligee. \n\n\n\nThe person to whom the benefit of an obligation flows. \n\nAlso referred to as thepromissorwith the recipient, thepromisee. \n\n\n\nThe person who binds himself, acting as a surety or giving security, for another 's contractual obligation, by a bond, is referred to as an obligor. \n\n\n\nThe LouisianaCivil Codeprefers thecivil lawword \" obligation '' to thecommon lawtermcontract. In many ways, the terms are interchangeable. \n\n\n\nIn the LouisianaCode, obligationis defined as follows : \" An obligation is a legal relationship whereby a person, called theobligor, is bound to render a performance in favor of another, called theobligee. Performance may consist of giving, doing, or not doing something. '' Who 's at fault, and who 'll take the bulk of the expense, penalty and punishment if my efforts to extend an Olive Branch to Bank of America XXXX XXXX XXXX XXXX falls through? \n\n\n\n\n\nThe Bank of America Board Chair and CEO, that 's whom. \n\n\n\n\n\nI 've requested the keys to XXXX XXXX XXXX XXXX XXXX , CA , but no more. \n\n\n\n\n\nNow, I 'm demanding them AND QUICK! \n\n\n\n\n\nEspecially since learning that the CEO has the ability to hand over those keys because he has first hand access to the property.","date_sent_to_company":"2017-12-19T08:08:38.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"94538","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"2758925","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2017-12-19T03:02:01.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["We had and still have in our possession, at least <em>five</em> recorded versions of our Title Transfer by several Mortgagees, among them Bank of America. \n\n\n\n\n\nHaving recorded a Deed through XXXX XXXX, XXXX, a wholly owned Subsidiary of Bank of america, on XXXX XXXX, XXXX, and <em>again</em> ion XXXX XXXX, XXXX, Bank of America reaffirmed their version of our ownership witnessing, and now is the binding Trustee."]},"sort":[3.9493515,"2758925"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":10,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":10}]}},"product":{"doc_count":10,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":6}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":3}]}},{"key":"Mortgage","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":1}]}}]}},"issue":{"doc_count":10,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Written notification about debt","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive notice of right to dispute","doc_count":5}]}},{"key":"Incorrect information on your report","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Old information reappears or never goes away","doc_count":3}]}},{"key":"Closing on a mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Took or threatened to take negative or legal action","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Threatened or suggested your credit would be damaged","doc_count":1}]}}]}},"timely":{"doc_count":10,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":10}]}},"company_response":{"doc_count":10,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":5},{"key":"Closed with non-monetary relief","doc_count":5}]}},"submitted_via":{"doc_count":10,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":10}]}},"company":{"doc_count":10,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":5},{"key":"EQUIFAX, INC.","doc_count":3},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":1},{"key":"DigniFi","doc_count":1}]}},"state":{"doc_count":10,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TX","doc_count":8},{"key":"CA","doc_count":1},{"key":"MO","doc_count":1}]}},"company_public_response":{"doc_count":10,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":6}]}},"tags":{"doc_count":10,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Older American, Servicemember","doc_count":1}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}