{"took":270,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":308,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7072016","_score":19.896458,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX  on XX/XX/XXXX I spoke with XXXX XXXX at XXXX whom claimed he was a US representative for XXXX. He told me that although I sent in my police report and a notarized copy of my FTC report that they will not remove or dispute a \" Bankruptcy '' as fraud. I let him know that I am a severe victim of identity theft and that the address and phone number associated with that bankruptcy is not mine and if I can't dispute it for what it is ( fraud ) then I want to dispute it as inaccurate. He said I can't dispute it as inaccurate because it is accurate, I asked him how was it accurate if I never lived at that address or had the phone number? He said XXXX got the last four digits of my social from XXXX and thats how they connected it to me. I asked how can I be verified if my whole social wasn't used and he got loud and aggressive with me and said he won't be disputing it as inaccurate. I told him XXXX XXXX even contacted them to update the report as they removed the \" bankruptcy '' because they couldn't verify that it was mine, he said anything filed before XXXX is reported by XXXX but on the XXXX website it says anything filed after XX/XX/XXXX is reported to XXXX and the \" bankruptcy '' is reported filed on XX/XX/XXXX on my report. I then told him that according to the FCRA they have to verify with the original source not third party agencies and the courthouse does not do verifications to the credit bureau and neither does XXXX ( which is a third party as well as XXXX ) he just kept saying there was nothing I can do. My rights have been violated all the way with XXXX, downloading a document from XXXX  that only has the last four of a social and doesn't even have my actual address or phone number is not proper, ethical, or legal validation. If they did not physically receive documents from the source with my FULL SOCIAL SECURITY NUMBER AND CORRECT ADDRESS AND PHONE NUMBER, this is NOT A VERIFIED ITEM, MEANING IT MUST BE IMMEDIATELY REMOVED. Especially with a police report and notarized FTC report. They need to provide me with exact proof of how this \" bankruptcy '' was verified accurate SHOWING MY FULL SOCIAL SECURITY NUMBER, CORRECT ADDRESS, AND CORRECT PHONE NUBER FROM THE ORIGINAL SOURCE OF THE INFORMATION NOT A THIRD PARTY AGENCY. XXXX is a not for profit company that does not provide full social security numbers nor information to third parties. XXXX is not the XXXX XXXX California Bankruptcy Court so the information was not verified from the source. At this point the representatives are not doing their due diligence by not attaching my police report and notarized FTC report to my disputes, refusing to dispute as inaccurate, and are just going off of their personal opinions, biases, and thoughts. He flat out denied me my due process by not attaching my documents to the dispute and by insisting that a THIRD PARTY VALIDATION IS ENOUGH TO DENY MY DISPUTE WHEN ACCORDING TO THE FCRA THE VERIFICATION HAS TO COME FROM THE SOURCE AND NOT A THIRD PARTY. XXXX XXXX was very rude and even mocked me when I told him I may have to get a lawyer. He told me to contact the attorney general if I wanted to, just very rude and nasty while blatantly violating my rights! That \" bankruptcy '' should have been deleted based on the fact I provided my police report, notarized FTC report, XXXX XXXX  contacted them to have them remove it, they did not validate from the source but through a third party, the address and phone number associated with the \" bankruptcy \" I have never lived at or used, and the FCRA protects me from the credit bureaus utilizing these types of PREDATORY practices. This is an injustice and XXXX should not be allowed to get away with violating my rights.","date_sent_to_company":"2023-06-06T03:15:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90404","tags":null,"has_narrative":true,"complaint_id":"7072016","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Cascade CISS Holdings, LLC","date_received":"2023-06-06T03:14:58.000Z","state":"CA","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["I then told him that according to the FCRA they have to <em>verify</em> with the <em>original</em> source not third <em>party</em> agencies and the courthouse does not do <em>verifications</em> to the credit bureau and neither does XXXX ( which is a third <em>party</em> as well as XXXX ) he just kept saying there was nothing I can do."]},"sort":[19.896458,"7072016"]},{"_index":"complaint-public-v1","_id":"7071843","_score":19.896458,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Today on XX/XX/XXXXXXXX  I spoke with XXXX XXXX at Transunion whom claimed he was a XXXX representative for TransUnion. He told me that although I sent in my police report and a notarized copy of my FTC report that they will not remove or dispute a \" Bankruptcy '' as fraud. I let him know that I am a severe victim of identity theft and that the address and phone number associated with that bankruptcy is not mine and if I can't dispute it for what it is ( fraud ) then I want to dispute it as inaccurate. He said I can't dispute it as inaccurate because it is accurate, I asked him how was it accurate if I never lived at that address or had the phone number? He said XXXX got the last four digits of my social from Pacer and thats how they connected it to me. I asked how can I be verified if my whole social wasn't used and he got loud and aggressive with me and said he won't be disputing it as inaccurate. I told him XXXX XXXX even contacted them to update the report as they removed the \" bankruptcy '' because they couldn't verify that it was mine, he said anything filed before XXXX is reported by XXXX but on the Transunion website it says anything filed after XX/XX/XXXXXXXX  is reported to XXXX and the \" bankruptcy '' is reported filed on XX/XX/XXXXXXXX  on my report. I then told him that according to the FCRA they have to verify with the original source not third party agencies and the courthouse does not do verifications to the credit bureau and neither does XXXX ( which is a third party as well as XXXX ) he just kept saying there was nothing I can do. My rights have been violated all the way with Transunion, downloading a document from PACER that only has the last four of a social and doesn't even have my actual address or phone number is not proper, ethical, or legal validation. If they did not physically receive documents from the source with my FULL SOCIAL SECURITY NUMBER AND CORRECT ADDRESS AND PHONE NUMBER, this is NOT A VERIFIED ITEM, MEANING IT MUST BE IMMEDIATELY REMOVED. Especially with a police report and notarized FTC report. They need to provide me with exact proof of how this \" bankruptcy '' was verified accurate SHOWING MY FULL SOCIAL SECURITY NUMBER, CORRECT ADDRESS, AND CORRECT PHONE NUBER FROM THE ORIGINAL SOURCE OF THE INFORMATION NOT A THIRD PARTY AGENCY. PACER is a not for profit company that does not provide full social security numbers nor information to third parties. XXXX is not the XXXX XXXX California Bankruptcy Court so the information was not verified from the source. At this point the representatives are not doing their due diligence by not attaching my police report and notarized FTC report to my disputes, refusing to dispute as inaccurate, and are just going off of their personal opinions, biases, and thoughts. He flat out denied me my due process by not attaching my documents to the dispute and by insisting that a THIRD PARTY VALIDATION IS ENOUGH TO DENY MY DISPUTE WHEN ACCORDING TO THE FCRA THE VERIFICATION HAS TO COME FROM THE SOURCE AND NOT A THIRD PARTY. XXXX XXXX was very rude and even mocked me when I told him I may have to get a lawyer. He told me to contact the attorney general if I wanted to, just very rude and nasty while blatantly violating my rights! That \" bankruptcy '' should have been deleted based on the fact I provided my police report, notarized FTC report, lexis nexus contacted them to have them remove it, they did not validate from the source but through a third party, the address and phone number associated with the \" bankruptcy \" I have never lived at or used, and the FCRA protects me from the credit bureaus utilizing these types of PREDATORY practices. This is an injustice and Transunion should not be allowed to get away with violating my rights.","date_sent_to_company":"2023-06-06T03:14:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90404","tags":null,"has_narrative":true,"complaint_id":"7071843","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-06-06T02:28:58.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["I then told him that according to the FCRA they have to <em>verify</em> with the <em>original</em> source not third <em>party</em> agencies and the courthouse does not do <em>verifications</em> to the credit bureau and neither does XXXX ( which is a third <em>party</em> as well as XXXX ) he just kept saying there was nothing I can do."]},"sort":[19.896458,"7071843"]},{"_index":"complaint-public-v1","_id":"13709153","_score":16.31141,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Under 15 USC 1681C law this debt must be deleted it violated my privacy rights.\n\nTitle 15US code 1692 pursuant to be Fair debt collection. Cease and desist!\n\nDear SPRING OAKS CAPITAL LLC, XXXX phone number I am writing to formally dispute the validity of a collection account appearing on my credit report.\n\nPursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am requesting detailed validation of the debt in question.\n\nAccount Information : Creditor Name : spring oaks capital Account Number : Amount : {$1200.00} I am exercising my rights under the\n\nFDCPA to request the following information : 1. Verification or proof of the alleged debt, including the original creditor 's name and address. 2. Documentation evidencing that the collection agency has legal authority to collect this debt. 3. A complete accounting of the alleged debt, including all charges, fees, and interest applied 4.PROVE WITH DOCUMENTION WHERE I SIGNED A CONTRACT WITH MY ACTUAL SIGNATURE IN PEN WITH YOUR DEBT COLLECTION AGENCY. YOU LEGALLY HAVE 15 days to send this information asap! Or you must report to transunion Experian and Equifax must be deleted of my credit report. It is illegal to collect on a debt that is not yours. You are not the original credit creditor and therefore this is violation of privacy rights under the law. Todays date is XXXX XXXX I need to receive information validated debt with my original signature asap or this must be deleted. I appreciate the effort you have undertaken in investigating my dispute. However, I am now seeking specific details regarding the method of verification employed during this process, as required by the aforementioned section of the Fair Credit Reporting Act.\n\nPursuant to 15 U.S.C. 1681s-2 ( e ) ( 7 ), I request that you provide me with a description of the procedures used to verify the accuracy of the disputed information, including the names and addresses of any third parties involved in this verification process.\n\nI expect your response to this request within 15 days of receiving this letter, as stipulated in 15 U.S.C. 1681s-2 ( e ) ( 8 ). Your timely and detailed","date_sent_to_company":"2025-05-25T23:24:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30680","tags":null,"has_narrative":true,"complaint_id":"13709153","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Spring Oaks Capital, LLC","date_received":"2025-05-25T22:24:25.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Verification</em> or proof of the alleged debt, including the <em>original</em> creditor 's name and address. 2. Documentation evidencing that the collection agency has legal authority to collect this debt. 3. A complete accounting of the alleged debt, including all charges, fees, and interest applied 4.PROVE WITH <em>DOCUMENTION</em> WHERE I SIGNED A CONTRACT WITH MY <em>ACTUAL</em> SIGNATURE IN PEN WITH YOUR DEBT COLLECTION AGENCY. YOU LEGALLY HAVE 15 days to send this information asap!"],"issue":["Improper <em>use</em> of your report"],"sub_issue":["Reporting company <em>used</em> your report improperly"]},"sort":[16.31141,"13709153"]},{"_index":"complaint-public-v1","_id":"10708259","_score":16.137882,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX. \nXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX. \nXXXX, NJ XXXX Phone : ( XXXX ) XXXX Affidavit of XXXX XXXX Enforcement of FDCPA, FCRA, and Contract Law Regarding Debt Collection by XXXX XXXX XXXX XXXX XXXX. \nXX/XX/year> XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX  I, XXXX XXXX, residing at XXXX XXXX XXXX, XXXX, NJ XXXX, do solemnly swear and affirm as follows : 1. Background and Context I am the undersigned individual and the primary party of interest concerning the alleged debt purportedly held by XXXX XXXX XXXX XXXX XXXX. I am submitting this affidavit to enforce my rights under 15 U.S.C. 1692 ( FDCPA ), 15 U.S.C. 1681 ( FCRA ), and all applicable consumer protection and contract laws as they pertain to this matter. This affidavit is presented to XXXX XXXX XXXX XXXX XXXX to dispute the legitimacy and accuracy of their claim, to demand verification of their authorization to collect on the alleged debt, and to request proof of the original account documentation per FDCPA and FCRA mandates. \n2. Dispute and Demand for Verification As per 15 U.S.C. 1692g ( FDCPA ), I hereby request full verification and validation of the debt that XXXX claims to hold. According to this law, debt collectors must provide documented evidence to substantiate the validity and amount of the debt, including : The original contract or agreement with Synchrony Bank, as referenced in the complaint. \nA clear chain of title demonstrating XXXX  acquisition of this debt and authority to collect. \n3. Enforcement of Consumer Protection Laws 15 U.S.C. 1681i ( FCRA ) requires that any information related to a disputed debt be fully verified, accurate, and complete. If the information can not be verified within the legally allotted time frame, it must be corrected or removed from all credit records. Under 15 U.S.C. 1681s-2, XXXX is required to report accurate information and to correct or delete any false data related to my credit report. I have reason to believe that XXXX may not hold complete and accurate information or proper documentation regarding this alleged debt. Should XXXX fail to verify and substantiate the information within the required period, I demand immediate deletion of any information relating to this account from my credit report. \n4. Request for Method of Obtaining Responses and Verification As outlined in 15 USC 1681i ( 7 ), I hereby request a detailed report on the methods XXXX has used to verify the accuracy of any information related to this account. Any updates to payment history without valid proof of the original account agreement or terms are insufficient for compliance. \n5. Potential Penalties for Non-Compliance In cases of willful or negligent non-compliance, 15 U.S.C. 1681n and 1681o authorize consumers to seek damages, including statutory and actual damages, attorneys fees, and punitive damages. If XXXX fails to provide valid proof of debt ownership and verification, I reserve the right to seek all legal remedies available under these laws and pursue claims of statutory and actual damages due to inaccurate reporting or unauthorized collection attempts. \nXXXX. Declaration of Unauthorized Collection Activity Given the lack of substantiated documentation provided, I formally state that XXXX XXXX XXXX XXXX XXXX has no current legal basis to proceed with collection activity regarding this debt. Any attempt to collect or report this debt without compliance with verification requirements shall be considered unauthorized. \nXXXX. Affirmation and Demand I demand that XXXX XXXX XXXX XXXX XXXX provide within 15 days a thorough, documented response that includes all verification methods and original account documentation for the alleged debt. If the alleged debt can not be verified as required by law, I demand its immediate removal from any credit reporting and that XXXX cease any further collection actions related to this account. \nI affirm under penalty of perjury that the foregoing is true and correct to the best of my knowledge.","date_sent_to_company":"2024-11-07T17:28:59.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"10032","tags":null,"has_narrative":true,"complaint_id":"10708259","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2024-11-07T17:28:57.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Any attempt to collect or report this debt without compliance with <em>verification</em> requirements shall be considered unauthorized. \nXXXX. Affirmation and Demand I demand that XXXX XXXX XXXX XXXX XXXX provide within 15 days a thorough, <em>documented</em> response that includes all <em>verification</em> methods and <em>original</em> account documentation for the alleged debt."]},"sort":[16.137882,"10708259"]},{"_index":"complaint-public-v1","_id":"2925949","_score":15.537344,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"TRANSUNION INTERMEDIATE HOLDINGS, INC is reporting a non-valid, fraudulent bankruptcy on my personal credit, that has resulted in me being denied credit. Ive submitted a letter I received directly from the bankruptcy court that states ( 1 ) My information does match any of their records, ( 2 ) The bankruptcy court does not submit ANY INFORMATION to any credit bureaus PERIOD. I've submitted several disputes to request their full investigation as to \" HOW '', and \" WHO '', they verified this to be valid with, to my surprise they did not validate the information as I was told on a phone call with XXXX on XX/XX/2018 at XXXX PST ( With the proof letter I submitted to TRANSUNION from the courthouse stating it was not a valid bankruptcy should have been enough to delete the fraudulent bankruptcy from my credit file ). \n\nThis is WRONG as the BANKRUPTCY COURT should be the furnisher of information and not a third-party service such as XXXX  or XXXX. TRANSUNION INTERMEDIATE HOLDINGS, INC has admitted that it did not verify the \" unverified '' account with the Bankruptcy Court and therefore, they never had possession of valid copies to validate this bankruptcy before putting this \" unverified '' item in my credit files. I have asked TRANSUNION INTERMEDIATE HOLDINGS, INC to provide me with documents they had in their actual files before listing this item in my credit files. They have BLATANTLY refused to provide me with this information. ( 2 ) Further, I have spoken directly with the Bankruptcy Court and have attached a letter from the United States Bankruptcy Court of Washington verifying that my information does not match their records for a bankruptcy and, they do NOT report or provide any information to ANY credit agency including TRANSUNION INTERMEDIATE HOLDINGS , INC . \n\nThis proves that TRANSUNION Credit Bureau NEVER had documents in their possession before putting the \" unverified '' item ( s ) on my credit file ( s ). FCRA, Section 609 a ( 2 ) regarding disclosures : Under federal law they needed to provide actual documents showing they legally met the FCRA requirements for validation ( which they admitted they did not ). \n\nHowever, TRANSUNION Credit Bureau last response was that they \" Verified as Accurate '' the bankruptcy and again failed to provide physical documentation. I have asked TRANSUNION Credit Bureau to provide me with a physical copy and their method of verification which includes : name of the courthouse, person 's name they verified with, address, telephone number, and copies of the document that they used to validate this bankruptcy. TRANSUNION Credit Bureau has blatantly ignored my request on several different occasions. They failed to provide me PHYSICAL proof of all original documents that I signed that they have on file that they used to actually verify the accuracy of said disputed item ( s ) BEFORE they listed them in my credit file ( s ). Under federal law,, FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of re-investigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available I did not request that TRANSUNION Credit Bureau issue a statement as to Item was verified. TRANSUNION admitted on a recorded phone call they simply sent an electronic communication to verify and listed no point of contact to meet minimum requirements IAW the FCRA. I requested from TRANSUNION Credit Bureau that they provide me with immediate support to delete the non-valid bankruptcy and they transferred me to their escalation department and put me on hold several times, waiting for someone to look at my documents. This indicated to me that they ( 1 ) did not properly review my documents I had certified mailed them and ( 2 ) that they failed to read the letter I included with my dispute stating directly from the court house the bankruptcy was not mine ( again according to the actual court house ). After being on hold for about 18 minutes they hung up the phone. I am beyond stressed over the way this has been handled and my personal credit has been violated by this company for far too long. \n\nUpon reviewing TRANSUNION Credit Bureau response, I can see that they DO NOT HAVE PHYSICAL PROOF OF VERIFICATION of said items. I demanded that in the event, that TRANSUNION Credit Bureau was either unwilling, or unable to provide to me the requested documentation, that TRANSUNION Credit Bureau IMMEDIATELY remove said item from appearing on, or in my credit files and reports.TRANSUNION Credit Bureau has refused to provide me with physical/documented proof of verification of all items that I detailed and claimed as \" unverified '' accounts which is a direct and willful violation of federal consumer protection laws and or acts, i.e., FAIR CREDIT REPORTING ACT 15 U.S.C. 1681/DODD-FRANK WALL STREET REFORM and CONSUMER PROTECTION ACT 12 U.S.C. 5536 and the FEDERAL TRADE COMMISSION TITLE 15-COMMERCE and TRADE CHAPTER 41-CONSUMER CREDIT PROTECTION SUBCHAPTER III CREDIT REPORTING AGENCIES. Previously I had cautioned TRANSUNION Credit Bureau NOT to respond to my prior four dispute letters by stating \" said items had been verified. '' My legal demand was, and still is, that TRANSUNION Credit Bureau REMOVE/DELETE SAID ITEMS FROM APPEARING ON MY CREDIT REPORT. Again, to date, TRANSUNION Credit Bureau had yet to provide me with any requested and required physical documentation that meets the FCRA. I have the legal right to demand that TRANSUNION Credit Bureau delete the contraband bankruptcy from ever appearing on my credit file ( s ). By Federal Law/Act, they are required to provide to me the aforesaid PHYSICAL documents, proving to me that they have in fact adhered to the letter of the law regarding this matter. Under the FCRA, if TRANSUNION Credit Bureau can not, or will not provide me with the legally requested physical verification documents, then TRANSUNION Credit Bureau must delete said items from appearing on my credit report. I have attached a number of supporting documents ( copies of the previous letters certified mailed and the letter I received from the court house ). ( 1 ) letter from the Bankruptcy Court, ( 2 ) certified stamps proving that I have expended reasonable due diligent in giving the aforementioned credit bureau ample opportunity to either provide the physical documentation evidence of verification ( 3 ) copies of previous dispute letter. \n\nNote that the certified mail numbers are listed on the top of the sent letters.","date_sent_to_company":"2018-06-04T20:38:08.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"990XX","tags":"Servicemember","has_narrative":true,"complaint_id":"2925949","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-06-04T19:46:38.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["They failed to provide me PHYSICAL proof of all <em>original</em> <em>documents</em> that I signed that they have on file that they <em>used</em> to actually <em>verify</em> the accuracy of said disputed item ( s ) BEFORE they listed them in my credit file ( s )."]},"sort":[15.537344,"2925949"]},{"_index":"complaint-public-v1","_id":"4504393","_score":15.478093,"_source":{"product":"Debt collection","complaint_what_happened":"Follow up to Claim # : XXXX - Resurgent Capital Services, LP/LVNV XXXX XXXX XXXX # : XXXX - XXXX XXXX XXXX  Good morning CFPB, I am following up with a second complaint on case # : XXXX as I don't feel LVNV answered to satisfaction to close the case. \n\nThese companies are accustomed to pointing fingers at each other because it creates confusion and they report longer. \n\nAfter 9 months of confusion I have it down to a science. These companies are accustomed to writing responses to you guys that effectively close the complaint, but that doesn't mean they are accurate and the situation is resolved just because the person I'm accusing of wrongdoing just says he isn't committing any wrongdoing. It doesn't work that way. \n\nYou closed the case based on the Bank 's response and LVNV response conflict each other and I completely disagree with accepting Resurgent LVNV Funding 's response as sufficient. \n\nThey didn't even address the problem I stated so I'm opening a brand new claim to be published based now not only on the original offenses, but also the attempts to skirt legally having to be held accountable and it down for being innacurate by pawing the account off back and forth. \n\nLVNV Funding has been adversely reporting/collecting on an account that I had been paying for XXXX XXXX XXXX on until the day it charged off. \n\nI don't think Resurgent Capital Services/LVNV Funding understands their own claim response, despite my several letters and follow up phone conversations phone conversations with them to attempt bipassing the automated validation system and trigger a manual review. \n\nThe one letter that differs from the rest was back a few months ago when I was frustrated and over the phone I asserted that I am XXXX, I became XXXX at the time this account went bad, I communicated with XXXX XXXX XXXX  about it regardless of the logistics, the bank has conceded to what I said and verified what I said was accurate with only minor technical discrepancies. \n\nLVNV responded with a letter stating they are suspending collections indefinitely. They are still collecting. \n\nWhy did Resurgent Capital Services validate the account each time I disputed or I called to clarify called or I requested documents such as the purchase agreement to establish that XXXX XXXX XXXX  sold you an account that I had claimed a hardship and exercised XXXX  XXXX  on XX/XX/XXXX per the Bank. \n\nWhen you conducted your reasonable investigation into my dispute that all asserted there was a hardship prior to charge off, I assume you contacted the original creditor to verify that information. Whom did you speak with at XXXX XXXX XXXX, on what dates and what documents did they provide you that led you to determine it was still a valid collectible debt that you didn't have to get the original creditor involved on a financial hardship claim where the claim involved was a financial hardship claim? What date and time were these phone calls? \n\nIn Resurgent 's response, they provided many months of account statements to show that this account actually does exist. Well again, I didn't dispute whether it existed to begin with or not, I disputed the balance of the collection because that is 100 % impossible to be accurate and after that was verified I started to dispute the investigation methods because if an actual human read the file as Resurgent claims they \" personally went over, '' why is it still being reported? That makes no sense. If he personally reviewed my account he would have done the following : - Noticed charges for XXXX XXXX XXXX on all billing statements. \n- Considered the disputes claim that it is innacurate. \n- Inquired with the original creditor if the documents provided by me were original and legitimate. \n- When they gave their answer which they gave the CFPB and Comptroller of the Currency, you would see that they agree the account was covered under XXXX XXXX on XX/XX/XXXX, and they verified that they are not reporting on my credit report. \n- The bank asserts that I must take up my claim with LVNV Funding because you are the one responsible for reporting the account and investigating disputes into the account and the original account. \n- You assert that I must take it up with XXXX XXXX XXXX. \n- Who is responsible for investigating the completeness and accuracy of the current reporting of the account based on a Credit XXXX XXXX  assertion that they have removed the account, validated that I was enrolled in XXXX XXXX and it was brought up on XX/XX/XXXX? \n- In other words, what parties were involved in your investigations into my disputes all this year? \n- Who were the parties you spoke with? Date? Time? Phone number? \n- What was said in response by XXXX XXXX XXXX  when you relayed my dispute information? ( this response would have been provided in writing )., but you never provided it to me. \n- That brought me to actually question not only the validity of the account but also you as a company, and my mission went from being about cleaning up a misunderstanding to uncovering Shady schemes to keep a bad account parked on my credit report through closing so I pay it to not lose out on the money. \n- What documents were provided in by any 3rd parties companies involved in the investigation of my dispute response to my claim of hardship? ( There will be documents. I had credit protection so I wouldn't recommend making up that you contacted them if you don't have supporting documents. ). Were there third parties? Did you involve the original creditor? \n\nI assure you that I have no intention of ever paying a debt I don't owe. That's why I paid XXXX XXXX and not you. \nNow that you've verified and validated this account over 8-10 times for accuracy .... You can see my pull from XX/XX/XXXX from IdentityIQ.com that shows not only inconsistencies and innacuracies, but missing information, contradicting information, contradicting status and type of account. \n\nIT IS NOW ILLEGAL TO REPORT THIS ACCOUNT TO THE BUREAUS AND IT IS ILLEGAL FOR BUREAUS TO ALLOW YOU TO REPORT IT. \n\nIn it, you have broken the law to report this account at all per the FCRA and FDCPA and FCCPA. You further try to skirt around technicalities of collection reporting by removing Collection Account status/type from the proper field and noting it with emphasis in several notes sections and sections used for other purposes. \n\nQuestions That must be answered : 1. As a debt buyer who, how did you investigate my disputes claiming I was having hardship at the time of discharge with the original creditor and that I had XXXX  XXXX? \n2. You saw all of the documents and you saw the charges for credit  protection, why would you validate/verify accurate reporting when that element of uncertain truth entered into your mind ... Or did you not quite go over it in as great detail as you said? \n3. When I informed you that I was XXXX and my sole source of income was SSDI, I informed you that I couldn't be garnished ... I'm pretty much judgement proof anyway, the hardship is real, the credit protection is real ... Why did you not send it back to the original creditor? \n4. When I called Resurgent Capital Services/LVNV FUNDING and explained the situation several times. Why did you request certain documents like my award letter and credit protection documents, assure me you'd review it and take care of it and 30 Days later I'd get an automatically generated validation. \nXXXX. XXXX Resurgent Capital Services, LP/LVNV Funding have a formal dispute investigation process? If so, can you send me an outline of the steps taken to investigate all disputes? If not, why not? \nXXXX. Please provide me with all documents utilized in investigating all of my disputes through the bureaus and directly. \nXXXX. Please list all parties involved in your investigation of the dispute. \nXXXX. THE ACCOUNTS ARE NOW MISSING REQUIRED FIELDS SUCH AS eq. ORIGINAL CREDITOR, exp. DATE OF FIRST DELINQUENCY, tu. DATE OF FIRST DELINQUENCY. \n\nThe facts are, the original creditor responded to this complaint basically saying, yeah we know you had credit protection and it's been removed from your account. \n\nXXXX XXXX on the other hand has validated the debt without even putting human eyes on it nevermind investigating it. \n\nI'd this guy personally reviewed the file and my disputes he would have easily picked up that each statement has a charge for the the XXXX XXXX program, would have put more weight into deciding to contact XXXX XXXX XXXX, and got their answer and all of this would not be happening. \n\nThey neglected that responsibility. They knowingly refused to investigate my Disputes and kept referring me to XXXX XXXX XXXX  for resolution. \n\nXXXX XXXX XXXX XXXX  has verified my claim and assured me they are not reporting. Remove this account from all bureaus immediately. \n\nThank You, XXXX XXXX","date_sent_to_company":"2021-06-30T06:18:46.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"34112","tags":null,"has_narrative":true,"complaint_id":"4504393","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2021-06-30T06:13:39.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["- What <em>documents</em> were provided in by any 3rd <em>parties</em> companies involved in the investigation of my dispute response to my claim of hardship? ( There will be <em>documents</em>. I had credit protection so I wouldn't recommend making up that you contacted them if you don't have supporting <em>documents</em>. ). Were there third <em>parties</em>? Did you involve the <em>original</em> creditor? \n\nI assure you that I have no intention of ever paying a debt I don't owe. That's why I paid XXXX XXXX and not you."]},"sort":[15.478093,"4504393"]},{"_index":"complaint-public-v1","_id":"15349343","_score":15.402382,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer, Financial Protection Bureau, I Am Requesting the CFPB to : XXXX. Investigate LexisNexis for failing to conduct a proper reinvestigation of my XXXX  dispute. \nXXXX. Require LexisNexis to provide a full breakdown of their verification process, including : The name, title, and contact info ( phone/email ) of anyone they claim to have spoken to during the investigation. \nThe dates the investigation was conducted. \nThe exact documents or sources used in their verification. \nXXXX. Delete the XXXX  immediately if LexisNexis can not verify it with original source documentation from the court ; If LexisNexis can not provide verifiable proof, the bankruptcy must be immediately deleted from my file. \n\nI am writing to file a formal complaint against LexisNexis Risk Solutions for : XXXX. Continuing to report a XXXX  that remains unverified. \nXXXX. Improperly labeling my legitimate disputes as frivolous. \nXXXX. Failing to provide transparency about the methods of verification used in their investigation. \nXXXX. Ignoring clear documentation of my correct address. \nBackground : I have disputed a XXXX  listing reported by LexisNexis, which is appearing on my consumer file and adversely affecting my financial reputation. I requested a reinvestigation of this item under the Fair Credit Reporting Act ( FCRA ) Section 611. \nLexisNexis responded by refusing to delete the bankruptcy, despite not providing any documentation or evidence to confirm its accuracy or validity. They also falsely claimed that my previous disputes were frivolous, even though I submitted relevant documentation and specific grounds for dispute. Their failure to investigate and their blanket dismissal violate my rights as a consumer. \nFurthermore, I provided proof of my correct mailing address, including a government-issued ID and recent utility bills, which LexisNexis has XXXX  ignored or failed to acknowledge in their communications. \n\nViolations of the Fair Credit Reporting Act ( FCRA ) : LexisNexis is in violation of several provisions of the FCRA, including : FCRA 611 ( a ) ( 1 ) ( A ) : Requires a reasonable reinvestigation of disputed information. Merely confirming a match on a partial SSN and a XXXX XXXXXXXX is not a reasonable verification of a court-recorded XXXX. \nFCRA 611 ( a ) ( 3 ) : Prohibits a consumer reporting agency from labeling a dispute as frivolous without a clear explanation of what documentation is lacking and without giving the consumer the opportunity to correct the issue. I submitted full documentation, including proof of identity and address.\n\nFCRA 611 ( a ) ( 7 ) : Requires the CRA to provide the consumer with a description of the procedures used to determine the accuracy and completeness of the disputed information.\n\nFCRA 607 ( b ) : Obligates LexisNexis to maintain reasonable procedures to ensure the maximum possible accuracy of the information it reports.\n\nLexisNexiss \" Verification '' Is Invalid : LexisNexis claims the bankruptcy was verified using XXXX XXXX XXXX XXXXXXXX ( not associated with any court of record ) The last XXXX digits of my Social Security Number This is not proper verification of a public record. Courts do not report directly to LexisNexis, and LexisNexis is not permitted to assume accuracy based on third-party data aggregators or indirect identifiers. They have failed to provide : The actual source of the XXXX  record XXXX XXXX  The date and method of verification, The name, title, and contact number of any official or representative they allegedly communicated with to verify this record. \nI Am Requesting the CFPB to : XXXX. Investigate LexisNexis for failing to conduct a proper reinvestigation of my XXXX  dispute. \nXXXX. Require LexisNexis to provide a full breakdown of their verification process, including : The name, title, and contact info ( phone/email ) of anyone they claim to have spoken to during the investigation. \nThe dates the investigation was conducted. \nThe exact documents or sources used in their verification. \nXXXX. Delete the XXXX  immediately if LexisNexis can not verify it with original source documentation from the court ; If LexisNexis can not provide verifiable proof, the XXXX must be immediately deleted from my file. \nXXXX. Stop labeling future disputes as frivolous without legal justification and clear guidance. \nXXXX. Update and correct my address information I have provided proper identification and utility bills showing my correct, current address. LexisNexis must update this and stop using incorrect address data in future correspondence or file entries XXXX. Provide me with written confirmation of XXXX investigation, verification process, and any deletions and updates made to my file. \nEnclosures : Copy of Government-Issued ID Utility Bills ( proof of current address ) Copies of Prior Dispute Letters and LexisNexis Responses XXXX conduct reflects a pattern of negligence and disregard for federally protected consumer rights. I request the CFPBs immediate assistance in investigating and correcting these violations. \nThank you for your time, attention and assistance. \nSincerely, XXXX XXXX, XXXX","date_sent_to_company":"2025-08-18T16:25:34.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"390XX","tags":null,"has_narrative":true,"complaint_id":"15349343","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-08-18T16:19:10.000Z","state":"MS","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Require LexisNexis to provide a full breakdown of their <em>verification</em> process, including : The name, title, and contact info ( <em>phone</em>/email ) of anyone they claim to have spoken to during the investigation. \nThe dates the investigation was conducted. \nThe exact <em>documents</em> or sources <em>used</em> in their <em>verification</em>. \nXXXX."]},"sort":[15.402382,"15349343"]},{"_index":"complaint-public-v1","_id":"11747081","_score":15.223523,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Alleged Debt [ XXXX XXXX  or Other Creditor ] To Whom It May Concern : I am writing to challenge the accuracy of an alleged debt reported by [ XXXX XXXX  or name of creditor ] on my Equifax credit file. Your recent communication claims that this debt has been verified, yet no verifiable documentation has been provided to substantiate that claim, nor have I seen evidence of a legitimate, manual reinvestigation beyond any automated processes such as e-OSCAR. I do not consent to the exclusive use of automated systems that circumvent a thorough, evidence-based review. \n\n1. Failure to Conduct a Reasonable Reinvestigation Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, Equifax is required to carry out a reasonable reinvestigation of any disputed information. Relying solely on an automated check through e-OSCAR, without obtaining original documentation, fails to meet the standards set by law. If Equifax does not keep or have access to legitimate records confirming this debt, then Equifax can not rightfully claim it has been verified. \n\nXXXX. Requirement to Provide Method of Verification Per FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), I have a right to request a detailed method of verification. Therefore, I demand that Equifax provide : The full name, job title, and direct contact information ( physical address, phone number, and email ) of the individual ( s ) at the furnisher ( and/or Equifax ) responsible for verifying this alleged debt. \nCopies of all original documentationincluding contracts, records, or other evidencethat the furnisher supplied to support this debts accuracy. \nA comprehensive explanation of every step Equifax took to verify this alleged debt beyond automated processes like\n\ne-OSCAR. If you can not immediately produce these materials, then you must delete this unverified account from my credit file under 15 U.S.C. 1681i ( a ) ( 5 ). \n\nXXXX. Continued Violation of My Consumer Rights Maintaining this unsubstantiated debt as verified may place Equifax in violation of : FCRA ( 15 U.S.C. 1681n and 1681o ), regarding willful or negligent noncompliance with reinvestigation obligations. \nFDCPA ( XXXX XXXX. XXXX, et seq. ), if any party is reporting or collecting a debt without valid, documented evidence of its legitimacy. \nGiven recent CFPB enforcement actions against credit reporting agencies for inadequate investigations, Equifax should be well aware that claiming items are verified without producing concrete, original documentation contravenes the FCRAs requirements. \n\n4. No Consent to Exclusive Automated Verification I reiterate that I do not consent to purely automated e-OSCAR verification. A thorough, lawful investigation must include a review of actual documentation from the original source of the alleged debt. If the relevant documents are unavailable or if the account can not be verified through permissible proof, you must remove this tradeline without delay. \n\nXXXX. Requested Action Conduct a genuine, properly documented reinvestigation of this alleged debt, obtaining the necessary verifiable evidence from the furnisher. \nDelete the tradeline from my Equifax credit report if you can not provide verifiable, original documentation to prove its accuracy. \nProvide me with written confirmation of the deletion and/or any verified documentation upon completion of your reinvestigation. \nSend me a new, updated copy of my Equifax credit report reflecting these changes. \nXXXX. Good Faith Compliance Failure to comply within the legally mandated timeframe could subject Equifax to civil liability under 15 U.S.C. 1681n and 1681o. I urge Equifax to address this dispute promptly and in good faith, ensuring compliance with the FCRA and related consumer protection laws. \n\nThank you for your immediate attention to this matter. I look forward to receiving a written response documenting your specific reinvestigation steps and verifying that either the alleged debt has been fully substantiated or removed from my credit report. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-24T23:07:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11550","tags":null,"has_narrative":true,"complaint_id":"11747081","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-24T23:04:47.000Z","state":"NY","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["A thorough, lawful investigation must include a review of <em>actual</em> documentation from the <em>original</em> source of the alleged debt. If the relevant <em>documents</em> are unavailable or if the account can not be <em>verified</em> through permissible proof, you must remove this tradeline without delay. \n\nXXXX. Requested Action Conduct a genuine, properly <em>documented</em> reinvestigation of this alleged debt, obtaining the necessary verifiable evidence from the furnisher."]},"sort":[15.223523,"11747081"]},{"_index":"complaint-public-v1","_id":"21772944","_score":15.186983,"_source":{"product":"Debt collection","complaint_what_happened":"This response is legally insufficient and appears to violate the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ) and 1681i.\n\nEquifax provided nothing more than a conclusory statement claiming the account was verified without producing any competent evidence showing how the investigation was conducted, what documents were reviewed, what method of verification was used, or how the alleged furnisher substantiated the reporting. Simply repeating that the account belongs to me is not evidence of compliance with federal law.\n\nYour response fails to address the core dispute issues and instead relies on boilerplate language. I specifically disputed the accuracy and completeness of the reporting. Under the FCRA, Equifax is required to conduct a reasonable reinvestigation, not merely parrot information supplied by a debt buyer or automated e-Oscar responses. \n\nXXXX XXXX is a debt purchaser, not the original creditor. Therefore, Equifax must be able to demonstrate : The complete chain of title proving XXXX legally owns the alleged account A signed contract or application bearing my signature Account-level documentation establishing liability The date of first delinquency and charge-off history Proof the balance, payment history, and reporting metrics are accurate The exact documents relied upon during the reinvestigation Equifax has failed to provide any of this evidence.\n\nAdditionally, your response admits that fields have been modified, which directly undermines your claim that the account was previously reported accurately. If data required modification after my dispute, then inaccurate or incomplete information existed on my file at the time of reporting.\n\nI am formally demanding the following : 1. A complete description of the procedure used in your reinvestigation pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), including : The name, address, phone number, and department of every party contacted The method of verification used Whether the investigation was automated or manually reviewed All documents reviewed during the investigation 2. Copies of any documentation supplied by XXXX XXXX used to verify this account. \n\nXXXX. Identification of every field modified and the reason for each modification.\n\n4. Immediate deletion of the tradeline if Equifax can not produce competent documentary evidence supporting every aspect of the reporting.\n\nBe advised that courts have repeatedly held that superficial or automated investigations may constitute willful or negligent noncompliance under the FCRA. Continued reporting of inaccurate, incomplete, or unverified information after notice of dispute may expose Equifax and the furnisher to liability for actual damages, statutory damages, punitive damages, attorneys fees, and costs.\n\nFurthermore, if Equifax relied solely on Automated Consumer Dispute Verification ( ACDV ) processes without reviewing underlying documentation, that investigation may be inherently unreasonable under federal law.\n\nThis letter also serves as notice to preserve all records related to this dispute, including : ACDV transmissions Internal investigation notes Audit trails XXXX XXXX with XXXX XXXX  System logs Copies of all records reviewed Destruction or alteration of evidence after receipt of this notice may constitute spoliation.\n\nIf this matter is not corrected immediately, I am prepared to escalate through : Additional CFPB complaints Complaints with the FTC and state attorney general Arbitration and/or civil litigation for FCRA violations Discovery demands compelling production of the underlying verification records I demand a substantive response supported by documentary evidence not generic conclusions.","date_sent_to_company":"2026-05-01T00:14:11.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"37076","tags":null,"has_narrative":true,"complaint_id":"21772944","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2026-05-01T00:07:36.000Z","state":"TN","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["A complete description of the procedure <em>used</em> in your reinvestigation pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), including : The name, address, <em>phone</em> number, and department of every <em>party</em> contacted The method of <em>verification</em> <em>used</em> Whether the investigation was automated or manually reviewed All <em>documents</em> reviewed during the investigation 2. Copies of any documentation supplied by XXXX XXXX <em>used</em> to <em>verify</em> this account. \n\nXXXX."]},"sort":[15.186983,"21772944"]},{"_index":"complaint-public-v1","_id":"14774234","_score":14.948101,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Email : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX RE : FINAL DEMAND FOR REMOVAL OF BANKRUPTCY PUBLIC RECORD AND ASSOCIATED ACCOUNTS VIOLATION OF FCRA, UCC, BANKRUPTCY CODE, AND FEDERAL LAW To Whom It May Concern, This letter is a formal legal dispute and demand for the immediate deletion of the bankruptcy public record and all associated accounts currently reported on my Experian credit report under the name XXXX XXXX XXXX. These entries are being reported without valid, documented verification, and are in direct violation of the Fair Credit Reporting Act ( FCRA ), the Uniform Commercial Code ( UCC ), the Bankruptcy Code, and the Federal Rules of Evidence.\n\nBANKRUPTCY PUBLIC RECORD : U.S. Bankruptcy Court XXXX  IL Case # : XXXX ACCOUNTS REPORTED AS INCLUDED IN BANKRUPTCY DEMAND FOR REMOVAL : Creditor Account Number Status Balance XXXX XXXX XXXX XXXX  Included in Bankruptcy {$0.00} XXXX  XXXX XXXX Included in Bankruptcy {$0.00} XXXX XXXX Included in Bankruptcy {$0.00} FEDERAL VIOLATIONS COMMITTED : FCRA 1681e ( b ) Obligation to ensure maximum possible accuracy FCRA 1681b ( a ) ( 2 ) Lack of documented permissible purpose to report these items FCRA 609 ( a ) ( 1 ) I demand copies of all documentation used to verify these accounts and the bankruptcy FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) You must disclose : The name, title, and contact information of the individual who verified each item The date, method, and source of verification UCC 3-501 & 1-308 I demand original legal obligations and reserve all rights without prejudice Federal Rule of Evidence 901 Data from PACER, XXXX, or other third parties must be properly authenticated Bankruptcy Code 524 ( a ) ( 2 ) Continued reporting of discharged debt violates the federal discharge injunction NO AUTOMATED RESPONSES HUMAN REVIEW ONLY This matter must be reviewed by a qualified human investigator, not processed through the e-Oscar automated dispute system. A generic letter stating verified is not lawful validation under the FCRA. It is not sufficient to continue reporting these entries without providing full proof. \n\nDOCUMENTATION DEMANDED : You are required to send the following within 15 calendar days of receipt of this letter : The actual bankruptcy court filing documents used to verify Case # XXXX Original signed contracts, billing statements, or documentation used to verify each tradeline The Method of Verification, including : Name, job title, and phone number of the person who verified the items The source, method, and date of your reinvestigation Failure to provide the above constitutes noncompliance with federal law and requires full deletion. \n\nDEADLINE 15 CALENDAR DAYS You have 15 calendar days to : Permanently delete Bankruptcy Case # XXXX Remove all related accounts listed above from my Experian credit file Send written confirmation along with all legally required documentation FAILURE TO COMPLY WILL RESULT IN : Complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and Illinois Attorney Generals Office Immediate filing for binding arbitration through XXXX  A civil lawsuit seeking : Damages for willful and negligent noncompliance ( FCRA 616 & 617 ) Compensation for credit defamation, emotional distress, and financial harm Statutory and punitive damages This is your final legal notice. I expect complete compliance under federal law. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Email : XXXX XXXX","date_sent_to_company":"2025-07-21T16:43:18.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60435","tags":null,"has_narrative":true,"complaint_id":"14774234","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-21T16:40:23.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["DOCUMENTATION DEMANDED : You are required to send the following within 15 calendar days of receipt of this letter : The <em>actual</em> bankruptcy court filing <em>documents</em> <em>used</em> to <em>verify</em> Case # XXXX <em>Original</em> signed contracts, billing statements, or documentation <em>used</em> to <em>verify</em> each tradeline The Method of <em>Verification</em>, including : Name, job title, and <em>phone</em> number of the person who <em>verified</em> the items The source, method, and date of your reinvestigation Failure to provide the above constitutes noncompliance"],"issue":["Improper <em>use</em> of your report"],"sub_issue":["Reporting company <em>used</em> your report improperly"]},"sort":[14.948101,"14774234"]},{"_index":"complaint-public-v1","_id":"3222674","_score":14.895314,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX, I faxed proof of payment thereto US BANK and the CEO back office but only a response thru the CFPB came by way of XXXX in the retail payment solutions department office of the President, this is unacceptable. I requested an affidavit in response by way of the CEO or the Back office only. \nThe Disclosures created by US BANK was newly created well after i signed electronically over three years ago. The Disclosures created by USBANK does not have the full documents i am presenting within this affidavit. Therefore they have the power to alter the said documents presented to the credit bureaus without my knowledge or ever seeing said documents. US BANK at first said they didn't receive or could find the payment now they are alleging that they don't accept the payment format which is US Currency drawn from a US Bank be it Any federal reserve bank or the US Treasury? something is clearly wrong here! USBANK are using the credit bureaus to extort me for federal currency, XXXX dollars or debt IOUs and not the US Currency it says it accepts as payment. \nThe signatures produced by USBANK has produced are forged. For it was done electronically! I have not received any contract documents from US BANK as of XXXX or shortly after the account was opened. What USBANK has produced and presented to the credit agencies/bureaus are fare newly created documents. The originals were destroyed years ago and can not be reproduces as stated by USBank. US BANK says on the back of the coupon statement that you must pay in US Dollars with checks or similar payment instruments drawn on a financial institution located in the United States. The Tender Of Payment is of US Dollars drawn from The US Treasury and or any Federal Reserve Bank located in the United States Of America. TENDER OF PAYMENT : Now no one wants to acknowledge facts of law and the validity therein but if i use a credit or line of credit to purchase items that are property that constitutes property as well. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federalreserve banksand for all, and other public dues. They shall be redeemed at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any FederalReserve bank. 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption - ( Dec. 23, 1913, ch. 6, 16 ( par. ) ,38 Stat. 265 ; Jan. 30, 1934, ch. 6, 2 ( b ) ( 1 ) ,48 Stat. 337 ; Aug. 23, 1935, ch. 614, title II, 203 ( a ) ,49 Stat. 704. ) 3-603.  TENDER OF PAYMENT. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. Due to the fact that the evidence produced by USBANK forged robo signed and newly created well after the original electronic document the debt must be discharged and paid in full by the tender of payment offer made, as they have declined see Law 3-306. False Statements or Representations - The law : Collectors cant threaten a lawsuit, criminal prosecution, wage garnishment, jail time, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place. What was stated to me in writing and over the phone 20 days later was that my payment method was illegal and unlawful and the CEO or Back Office Dept would be sending me a letter or have sent a letter but i have not received a letter nor any of the Tendered Payments back and therefore it is implied that they destroyed the mail and the Tendered Payment!\n\nThe alleged contract that was never presented in full or in part is not a Unilateral nor a Bilateral contract or agreement. This means that none of the parties signed the contract. An online agreement does not validate nor verify an agreement or contract for all parties must have a meeting of the minds. Or this can lead to fraud. First off i requested the CEO or Bank office of people knowledgeable of this type of payment but the CEO never responded. Second So without a proof of payment like a check or actual funds from the banks i was never loaned money because banks can't loan money from deposits within their bank from other customers so where did the money or funds come from? It appears to be a book keeping entry credit for a mortgage or loan or such and that is fraud due to the banking laws, banks can't loan money it doesn't exist only US Currency or Coin Tender or Conditional Acceptance.\n\n804. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall. ( 1 ) identify himself, state that he is conrming or correct- ing location information concerning the consumer, and, only if expressly requested, identify his employer ;. ( 2 ) not state that such consumer owes any debt ;. not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ;. ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communi- cation relates to the collection of a debt ; Validation - Consent from the borrower that they agreed to such terms explained and defined and disclosed in full not in part and not by a none agent of the bank or creditor whom would be able to translate or transcribe definitions in full. You have failed to do this.\n\n806. Harassment or abuse - A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.\n\n( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.\n\n( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of sec- 15 USC 1692d. ( 4 ) The advertisement for sale of any debt to coerce pay- ment of the debt. This includes pre default or NOD notice of default which must be served on the debtor or payee and proof of such in writing not hearsay.\n\n. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful dis- closure of the callers identity.\n\n807. False or misleading representations A debt collector may not use any false, deceptive, or mis- leading representation or means in connection with the col- lection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or af liated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.\n\n809. Validation of debts ( a ) Notice of debt ; contents Within ve days after the initial communication with a con- sumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing or ( b ) Disputed debts If the consumer noti es the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains veri cation of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such veri cation or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communi- cations that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has noti ed the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communica- tion during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.\n\n. ( c ) Admission of liability I demanded and required the following for verification a.wet signatures with its original color ink b. the original size document legible and readable c. the actual signature of the borrower in print and readable d. copies of all parties signed on the document or Unilateral or bilateral agreement You have failed to do this within the Five days after the debt was initially disputed. More over sending in house created accounting documents doesn't service or answer the unanswered questions for verification and validation of the alleged debt but the original materials and a wet signature not a computer generated signature nor a verbal consent over the phone for this could be identity theft and fraud.\n\n812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.\n\n( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.\n\nThe documents you produced doesn't have your companies name or anyone signed from you agency or bank. Your agency bank or corporation has provided after the allowed five days [ approximately 25 days later ] computer generated in-house documents that i have never seen before. In fact the documents have been cut down in size or shrunken down from the alleged original size and is too dark and not legible. Also the definitions are not clear and no one has translated your terms which are one sided to me. \ni, XXXX XXXX XXXX Enclosures : Identity Theft Report - I have been on the XXXX list since XXXX XXXX and i am sending you a copy with my XXXX record # blacked out for my protection XXXX. Without US Bank verifying the information with me and correction the errors this is identity theft for none of the tender of payments have been returned to me. \nProof of identity Notice to Furnishers of Information","date_sent_to_company":"2019-04-25T17:38:09.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"89149","tags":null,"has_narrative":true,"complaint_id":"3222674","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2019-04-25T17:38:04.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["Any collection activities and communica- tion during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the <em>original</em> creditor.\n\n. ( c ) Admission of liability I demanded and required the following for <em>verification</em> a.wet signatures with its <em>original</em> color ink b. the <em>original</em> size <em>document</em> legible and readable c. the <em>actual</em> signature of the borrower in print and readable d. copies of all <em>parties</em> signed"]},"sort":[14.895314,"3222674"]},{"_index":"complaint-public-v1","_id":"3222609","_score":14.866806,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX, I faxed proof of payment thereto XXXX XXXX and the CEO back office but only a response thru the CFPB came by way of XXXX  in the retail payment solutions department office of the President, this is unacceptable. I requested an affidavit in response by way of the CEO or the Back office only.\n\nThe Disclosures created by XXXX XXXX was newly created well after i signed electronically over three years ago. The Disclosures created by XXXX  does not have the full documents i am presenting within this affidavit. Therefore they have the power to alter the said documents presented to the credit bureaus without my knowledge or ever seeing said documents. XXXX XXXX at first said they didn't receive or could find the payment now they are alleging that they don't accept the payment format which is US Currency drawn from a XXXX XXXX be it Any federal reserve bank or the US Treasury? something is clearly wrong here! XXXX are using the credit bureaus to extort me for federal currency, Fiat dollars or debt IOUs and not the US Currency it says it accepts as payment.\n\nThe signatures produced by XXXX has produced are forged. For it was done electronically! I have not received any contract documents from XXXX XXXX as of XX/XX/XXXX or shortly after the account was opened. What XXXX has produced and presented to the credit agencies/bureaus are fare newly created documents. The originals were destroyed years ago and can not be reproduces as stated by XXXX. XXXX XXXX says on the back of the coupon statement that you must pay in US Dollars with checks or similar payment instruments drawn on a financial institution located in the United States. The Tender Of Payment is of US Dollars drawn from The US Treasury and or any Federal Reserve Bank located in the United States Of America. TENDER OF PAYMENT : Now no one wants to acknowledge facts of law and the validity therein but if i use a credit or line of credit to purchase items that are property that constitutes property as well. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federalreserve banksand for all, and other public dues. They shall be redeemed at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any FederalReserve bank. 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption - ( Dec. 23, 1913, ch. 6, 16 ( par. ) ,38 Stat. 265 ; Jan. 30, 1934, ch. 6, 2 ( b ) ( 1 ) ,48 Stat. 337 ; Aug. 23, 1935, ch. 614, title II, 203 ( a ) ,49 Stat. 704. ) 3-603. TENDER OF PAYMENT. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. Due to the fact that the evidence produced by XXXX forged robo signed and newly created well after the original electronic document the debt must be discharged and paid in full by the tender of payment offer made, as they have declined see Law 3-306. False Statements or Representations - The law : Collectors cant threaten a lawsuit, criminal prosecution, wage garnishment, jail time, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place. What was stated to me in writing and over the phone 20 days later was that my payment method was illegal and unlawful and the CEO or Back Office Dept would be sending me a letter or have sent a letter but i have not received a letter nor any of the Tendered Payments back and therefore it is implied that they destroyed the mail and the Tendered Payment!\n\nThe alleged contract that was never presented in full or in part is not a Unilateral nor a Bilateral contract or agreement. This means that none of the parties signed the contract. An online agreement does not validate nor verify an agreement or contract for all parties must have a meeting of the minds. Or this can lead to fraud. First off i requested the CEO or Bank office of people knowledgeable of this type of payment but the CEO never responded. Second So without a proof of payment like a check or actual funds from the banks i was never loaned money because banks can't loan money from deposits within their bank from other customers so where did the money or funds come from? It appears to be a book keeping entry credit for a mortgage or loan or such and that is fraud due to the banking laws, banks can't loan money it doesn't exist only US Currency or Coin Tender or Conditional Acceptance.\n\n804. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall. ( 1 ) identify himself, state that he is conrming or correct- ing location information concerning the consumer, and, only if expressly requested, identify his employer ;. ( 2 ) not state that such consumer owes any debt ;. not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ;. ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communi- cation relates to the collection of a debt ; Validation - Consent from the borrower that they agreed to such terms explained and defined and disclosed in full not in part and not by a none agent of the bank or creditor whom would be able to translate or transcribe definitions in full. You have failed to do this.\n\n806. Harassment or abuse - A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.\n\n( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.\n\n( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of sec- 15 USC 1692d. ( 4 ) The advertisement for sale of any debt to coerce pay- ment of the debt. This includes pre default or NOD notice of default which must be served on the debtor or payee and proof of such in writing not hearsay.\n\n. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful dis- closure of the callers identity.\n\n807. False or misleading representations A debt collector may not use any false, deceptive, or mis- leading representation or means in connection with the col- lection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or af liated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.\n\n809. Validation of debts ( a ) Notice of debt ; contents Within ve days after the initial communication with a con- sumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing or ( b ) Disputed debts If the consumer noti es the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains veri cation of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such veri cation or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communi- cations that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has noti ed the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communica- tion during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.\n\n. ( c ) Admission of liability I demanded and required the following for verification a.wet signatures with its original color ink b. the original size document legible and readable c. the actual signature of the borrower in print and readable d. copies of all parties signed on the document or Unilateral or bilateral agreement You have failed to do this within the Five days after the debt was initially disputed. More over sending in house created accounting documents doesn't service or answer the unanswered questions for verification and validation of the alleged debt but the original materials and a wet signature not a computer generated signature nor a verbal consent over the phone for this could be identity theft and fraud.\n\n812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.\n\n( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.\n\nThe documents you produced doesn't have your companies name or anyone signed from you agency or bank. Your agency bank or corporation has provided after the allowed five days [ approximately 25 days later ] computer generated in-house documents that i have never seen before. In fact the documents have been cut down in size or shrunken down from the alleged original size and is too dark and not legible. Also the definitions are not clear and no one has translated your terms which are one sided to me.\n\ni, monica rene hall Enclosures : Identity Theft Report - I have been on the NCIC list since XX/XX/XXXX and i am sending you a copy with my NCIC record # blacked out for my protection DOJXXXXX. Without XXXX XXXX verifying the information with me and correction the errors this is identity theft for none of the tender of payments have been returned to me.\n\nProof of identity Notice to Furnishers of Information","date_sent_to_company":"2019-04-25T17:37:59.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"89149","tags":null,"has_narrative":true,"complaint_id":"3222609","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-04-25T17:11:08.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["Any collection activities and communica- tion during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the <em>original</em> creditor.\n\n. ( c ) Admission of liability I demanded and required the following for <em>verification</em> a.wet signatures with its <em>original</em> color ink b. the <em>original</em> size <em>document</em> legible and readable c. the <em>actual</em> signature of the borrower in print and readable d. copies of all <em>parties</em> signed"]},"sort":[14.866806,"3222609"]},{"_index":"complaint-public-v1","_id":"6005681","_score":14.735393,"_source":{"product":"Debt collection","complaint_what_happened":"I recently received a copy of my credit report. \nThe state of Texas statute of limitations is only 4 years from the date of the last payment. This alleged debt continues to appear on my credit report as a violation of the statute of limitations. \nI request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provides me with : The name and address of the original creditor. The original date of default or non-payment of the debt with the original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance.\n\nThe current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). I did not sign any agreement and/or contract with this company regarding any allege debt. And this company should provide a valid recorded copy of an assignment of transfer to be able to attempt to collect on noncollectable debt after the statute of Limitations.\n\nTexas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate.\n\nPer this requirement you must delete this tradeline if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).\n\nThis company is also attempting to collect on alleged debt that has exceeded the statute of limitations in the state of Texas. Under the Fair Credit Reporting Act, 15 U.S.C.\n\n1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.\n\nPlease provide me with a copy of an updated company letter showing these items removed.\n\nI demand the following accounts be properly verified or removed immediately as these alleged debts continue to be resold by the last payment date should remain the same by Texas Finance Code 392 and the FCRA regulations.\n\nThis company is also attempting to collect debt that has exceeded the statute of limitations in the state of Texas.\n\nThis company does not have my permission to call me on any cell phone I may have possessed, currently possess or will possess in the future. They need to cease and desist their threats to sue requesting that I submit a written plaintiff statement in my defense and schedule a time and location for delivery of whatever, which is a violation of collection practices to threaten to sue someone or deliver lawsuit/judgment items to their place of employment. I am seeking an attorney to discuss a class action lawsuit as I believe this is their practice and they are violating several laws including Texas Finance Code 392.202 ( b ) ( 2 ), FCRA, FDCPA, Texas Debt Collection Act and TCPA 47 U.S. Code 227. These calls are harassment and have been going on for months, which is a violation of FDCPA. A complaint has also been filed with the Texas Attorney Generals office. I will also be filing a lawsuit in the state of Texas due to the violation of the TCPA and FDCPA.\n\nPlease reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner.\n\nPlease note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.","date_sent_to_company":"2022-09-21T23:38:10.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"76137","tags":null,"has_narrative":true,"complaint_id":"6005681","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Convergent Resources, Inc.","date_received":"2022-09-21T23:27:57.000Z","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":["Under the Fair Credit Reporting Act, 15 U.S.C.\n\n1681g I have the right to demand that you disclose to me all of the <em>documents</em> that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been <em>verified</em>. Send me copies of the <em>documents</em> that you have in your files that were <em>used</em> to <em>verify</em> them."]},"sort":[14.735393,"6005681"]},{"_index":"complaint-public-v1","_id":"6005579","_score":14.712956,"_source":{"product":"Debt collection","complaint_what_happened":"I recently received a copy of my credit report. \nThe state of Texas statute of limitations is only 4 years from the date of the last payment. This alleged debt continues to appear on my credit report as a violation of the statute of limitations. \nI request validation of this debt per Texas XXXX XXXX XXXX XXXX which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provides me with : The name and address of the original creditor. The original date of default or non-payment of the debt with the original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. \nThe current balance. Any fees added by your agency. Sec. XXXX ( a ) ( XXXX ). I did not sign any agreement and/or contract with this company regarding any allege debt. And this company should provide a valid recorded copy of an assignment of transfer to be able to attempt to collect on noncollectable debt after the statute of Limitations. \nTexas XXXX bond information as required by Sec. XXXX - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas XXXX XXXX. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas XXXX XXXX XXXX ( b ) ( XXXX ), that the debt in question is inaccurate. \nPer this requirement you must delete this tradeline if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. XXXX ( d ) ( XXXX ) Also per Texas XXXX XXXX XXXX Correction of third -party debt XXXX or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. XXXX ( a ) ( XXXX ). \n\nThis company is also attempting to collect on alleged debt that has exceeded the statute of limitations in the state of Texas. Under the Fair Credit Reporting Act, 15 U.S.C.\n\n1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( XXXX ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. \nPlease provide me with a copy of an updated company letter showing these items removed. \nI demand the following accounts be properly verified or removed immediately as these alleged debts continue to be resold by the last payment date should remain the same by Texas  XXXX XXXX XXXX and the FCRA regulations. \nThis company is also attempting to collect debt that has exceeded the statute of limitations in the state of Texas. \nThis company does not have my permission to call me on any cell phone I may have possessed, currently possess or will possess in the future. They need to cease and desist their threats to sue requesting that I submit a written plaintiff statement in my defense and schedule a time and location for delivery of whatever, which is a violation of collection practices to threaten to sue someone or deliver lawsuit/judgment items to their place of employment. I am seeking an attorney to discuss a class action lawsuit as I believe this is their practice and they are violating several laws including Texas XXXX XXXX XXXX ( b ) ( XXXX ), FCRA, FDCPA, Texas Debt Collection Act and TCPA XXXX XXXX Code XXXX. These calls are harassment and have been going on for months, which is a violation of FDCPA. A complaint has also been filed with the Texas Attorney XXXX office. I will also be filing a lawsuit in the state of Texas due to the violation of the XXXX and FDCPA. \nPlease reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. \nPlease note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. XXXX. CIVIL REMEDIES. ( a ) A person may sue for : ( XXXX ) injunctive relief to prevent or restrain a violation of this chapter; and ( XXXX ) actual damages sustained as a result of a violation of this chapter. Please also note Texas XXXX. I demand that you will not sell, transfer, or assign this debt per Sec. XXXX ( a ) ( XXXX ). Regards.","date_sent_to_company":"2022-09-21T23:25:28.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"76137","tags":null,"has_narrative":true,"complaint_id":"6005579","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"The Phoenix Recovery Group","date_received":"2022-09-21T22:53:54.000Z","state":"TX","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["Under the Fair Credit Reporting Act, 15 U.S.C.\n\n1681g I have the right to demand that you disclose to me all of the <em>documents</em> that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been <em>verified</em>. Send me copies of the <em>documents</em> that you have in your files that were <em>used</em> to <em>verify</em> them."]},"sort":[14.712956,"6005579"]},{"_index":"complaint-public-v1","_id":"3603490","_score":14.686849,"_source":{"product":"Debt collection","complaint_what_happened":"Due to XXXX  and serious reduction in hours, I am trying to apply for jobs that require a credit report and this noncollectable debt is destroying my chances. I lost XXXX family to XXXX with another XXXX infected with it. \n\nThis letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. \n\nThe state of Texas statute of limitations is only 4 years from the date of the last payment. This alleged debt continues to appear on my credit report as a violation of the statute of limitations. \n\nI request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provides me with : The name and address of the original creditor. The original date of default or non-payment of the debt with the original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). I did not sign any agreement and/or contract with this company regarding any alleged debt. And this company should provide a valid recorded copy of an assignment of transfer to be able to attempt to collect on noncollectable debt after the statute of Limitations. \n\nTexas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note Transunion, Experian, and Equifax are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this tradeline if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).\n\nThis company is also attempting to collect on alleged debt that has exceeded the statute of limitations in the state of Texas.\n\nPlease send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.\n\nUnder the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.\n\nIf you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.\n\nUnder the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.\n\nPlease provide me with a letter stating you will remove this from my credit report with all 3 bureaus.\n\nI demand the following accounts be properly verified or removed immediately as these alleged debts continue to be resold by the last payment date should remain the same by Texas Finance Code 392 and the FCRA regulations. There is no an assignment of transfer of this debt or authorization to provide this company with any of my medical records that comply with the regulations in the state of Texas.\n\nName of Account : Account Number : Provide Physical Proof of Verification Amcol Systems Inc / Unknown Account / Number unverified account ( {$630.00} ) Amcol Systems Inc / Unknown Account / Number unverified account ( {$1200.00} ) This company does not have my permission to call me on any cell phone I may have possessed, currently possess or will possess in the future. They need to cease and desist their threats to sue  requesting that I submit a written plaintiff statement in my defense and schedule a time and location for delivery of whatever, which is a violation of collection practices to threaten to sue someone or delivery lawsuit/judgement items to their place of employment. I am seeking an attorney to discuss a class action lawsuit as I believe this is their practice and they are violating several laws includes Texas Finance Code 392.202 ( b ) ( 2 ), FCRA, FDCPA, Texas Debt Collection Act and TCPA 47 U.S. Code 227. These calls are harassment and have been going on for months, which is a violation of FDCPA. A complaint has also been filed with the Texas Attorney Generals office. I will also be filing a lawsuit in the state of Texas due to the violation of the TCPA and FDCPA. \n\nPlease reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.","date_sent_to_company":"2020-04-12T22:52:27.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Medical debt","zip_code":"761XX","tags":null,"has_narrative":true,"complaint_id":"3603490","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMCOL Systems, Inc.","date_received":"2020-04-12T22:42:25.000Z","state":"TX","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["Please dont respond to my request by saying that these accounts have been <em>verified</em>. Send me copies of the <em>documents</em> that you have in your files that were <em>used</em> to <em>verify</em> them.\n\nIf you do not have any documentation in your files to <em>verify</em> the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i )."]},"sort":[14.686849,"3603490"]},{"_index":"complaint-public-v1","_id":"14774965","_score":14.1650915,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Email : XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : FINAL DEMAND FOR REMOVAL OF BANKRUPTCY PUBLIC RECORD AND ASSOCIATED ACCOUNTS FCRA, UCC, BANKRUPTCY CODE, AND FEDERAL VIOLATIONS FULL METHOD OF VERIFICATION REQUIRED To Whom It May Concern, This letter serves as a formal legal dispute and demand for the immediate removal of the bankruptcy public record and all associated accounts currently reported on my Equifax credit file. These items are being reported without proper legal verification and are in direct violation of the Fair Credit Reporting Act ( FCRA ), Uniform Commercial Code ( UCC ), Federal Rules of Evidence, and the Bankruptcy Code.\n\nBANKRUPTCY PUBLIC RECORD : U.S. Bankruptcy Court Case # : XXXX ACCOUNTS BEING REPORTED AS INCLUDED IN BANKRUPTCY DEMAND FOR DELETION : Creditor Account Number Status Balance XXXX  XXXX Collection {$0.00} XXXX  XXXX Included in Bankruptcy {$0.00} XXXX  XXXX Included in Bankruptcy {$0.00} XXXX  XXXX XXXX Included in Bankruptcy {$0.00} XXXX XXXXXXXX Included in Bankruptcy {$0.00} XXXX XXXX XXXXXXXX Included in Bankruptcy {$0.00XXXX XXXX XXXX XXXX XXXX Included in Bankruptcy {$0.00} XXXX XXXX XXXX  Included in Bankruptcy {$0.00} XXXX XXXXXXXX Included in Bankruptcy {$0.00} VIOLATIONS YOU ARE COMMITTING : FCRA 1681e ( b ) Duty to maintain the maximum possible accuracy FCRA 1681b ( a ) ( 2 ) No documented permissible purpose to report these items FCRA 609 ( a ) ( 1 ) I demand access to all documentation used to verify the bankruptcy and the associated accounts FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) You must disclose : The name, title, and contact info of the person who verified each account The method, source, and date of verification UCC 3-501 & 1-308 I demand presentment of the original legal obligation and reserve all rights without prejudice Federal Rule of Evidence 901 Data from PACER, XXXX, or third parties must be authenticated by a qualified witness Bankruptcy Code 524 ( a ) ( 2 ) Continuing to report discharged debt violates the permanent injunction of the Bankruptcy Code NO e-OSCAR AUTOMATION HUMAN REVIEW REQUIRED This matter must be investigated by a qualified human representative, not the e-Oscar system. Any response generated by an automated tool is insufficient under FCRA. A generic letter claiming an item is \" verified '' without supporting documentation is not legal validation.\n\nDOCUMENTS DEMANDED : I demand that you send the following within 15 calendar days : The actual bankruptcy court filing used to verify the public record Original signed agreements, billing statements, and legal documentation used to verify each account The full Method of Verification, including : Name, title, and phone number of the individual who verified each account Method, source, and date of the investigation Failure to provide all requested documentation will require immediate deletion of the public record and each related account.\n\nDEADLINE : 15 CALENDAR DAYS You are legally required to respond within 15 days from receipt of this notice with : Written confirmation that Bankruptcy Case # XXXX and associated tradelines have been deleted Certified copies of all verification materials, as required under FCRA FAILURE TO COMPLY : Failure to respond or provide lawful proof will result in : Formal complaints filed with the CFPB, FTC, and Illinois Attorney General Immediate filing for binding arbitration through JAMS A civil lawsuit seeking : Damages for willful and negligent noncompliance ( FCRA 616 & 617 ) Compensation for emotional distress, credit defamation, and financial harm Statutory and punitive damages under applicable federal law This is your final legal notice. I expect full compliance. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Email : XXXX XXXX","date_sent_to_company":"2025-07-21T16:08:07.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60435","tags":null,"has_narrative":true,"complaint_id":"14774965","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-21T16:04:35.000Z","state":"IL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>DOCUMENTS</em> DEMANDED : I demand that you send the following within 15 calendar days : The <em>actual</em> bankruptcy court filing <em>used</em> to <em>verify</em> the public record <em>Original</em> signed agreements, billing statements, and legal documentation <em>used</em> to <em>verify</em> each account The full Method of <em>Verification</em>, including : Name, title, and <em>phone</em> number of the individual who <em>verified</em> each account Method, source, and date of the investigation Failure to provide all requested documentation will require immediate deletion of the"],"issue":["Improper <em>use</em> of your report"],"sub_issue":["Reporting company <em>used</em> your report improperly"]},"sort":[14.1650915,"14774965"]},{"_index":"complaint-public-v1","_id":"2604955","_score":14.02621,"_source":{"product":"Debt collection","complaint_what_happened":"Alleged Account # XXXX FINAL RESPONSE TO JPMORGAN CHASE BANK NA CO MORTGAGE DEPT Reference number XXXX, XXXX : NOTICE - MOST IMPORTANT - The documents for this alleged Mortgage Assignment is nothing but forgeries and robo signing at best. NO ACTUAL FINDINGS - Within the request they the bank JPMorgan Chase NA Mortgage Co was requested to provide proof of said signatures that of the original signatures not forgeries. The signatures are proven not to be that of XXXX XXXX XXXX nor that of XXXX XXXX XXXX the real persons in flesh. Whom do not and has never given any permission to JPMorgan Chase, nor XXXX Mortgage XXXX XXXX XXXX XXXX Funding. WRONG IDENTITY - JPMorgan Chase Bank has referred to XXXX XXXX XXXX & XXXX XXXX XXXX as XXXX XXXX XXXX and XXXX XXXX XXXX, as well as XXXX XXXX or as in XXXX XXXX using the same address within this claim. This is completely and utterly identity theft, fraud no contract. There are no forms presented of an actual ledgers, copy of a check for payments signed by the real persons nor an accurate date or timeline of events for this loan to have taken place. What has been presented to all seen in this complaint is nothing best of forgeries, identity fraud, fraud no contract, and fraud in the inclusion! The attempts of communications with XXXX XXXX XXXX and XXXX XXXX XXXX are therefore cut off, and has never truly existed with the Plaintiffs/real party ( s ) in interest on in the acts of harassment. The document dated XXXX XXXX, XXXX are all forgeries as stated multiple times to JPMorgan Chase Bank to its employees, and agents as in CEOs XXXX, CFO and Representatives. Their response is internally created by former employees of XXXX Mortgage XXXX XXXX XXXX XXXX Funding that of XXXX XXXX and XXXX XXXX XXXX whom may or many not be real persons. Proof of the existence of an account of the actual establishment of debt account but the actual Sentient human XXXX XXXX XXXX and that of XXXX XXXX XXXX duly signed and written out by both parties and not any unilateral agreement. This would include but not limited to the actual agreement upon which the signature page has direct reference to the entire agreement XXXX XXXX XXXX and XXXX XXXX XXXX is an artificial entity, a title, of the limited liability fictitious corporation which is legal trade mark, which constitutes valuable legal interest of which all right, title and interest are reserved and of which you have filed to knotty the Caretaker and acceptance agent and supply proof of claim against the limited liability corporation. XXXX XXXX, XXXX - XXXX From XXXX XXXX dated XXXX XXXX, XXXX. The letter states that the right to cancel was received and that neither credit reporting nor a history thereof shall or has ever taken place. Please see the attachments. The original letter and envelope has been kept in good status and or shape and is ready for review by court of law and by a jury of our peers. JPMorgan Chase sues the FDIC for issues with WaMu banking issues and legal matters that pertain to this matter in fact. The Accounting documents is no ledger and is misleading at best and a false representation of the facts. On the attached documents pages 11 of this alleged accounting not a ledger rather they stated that they acquired the alleged mortgage loan on XXXX XXXX, XXXX, and later a payment on XXXX XXXX, XXXX to WaMu - XXXX Mortgage, when in fact the final payment was made to XXXX Mortgage on or about XXXX XXXX, XXXX and the payoff letter sent to XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX. There was no payments made to WaMu during this time, nor was there any credit reporting agencies provide any history of such payments therefore this is a fraudulent attempt of identity theft and Mortgage Assignment fraud. This is why the credit history of JPMorgan Chase has been deleted from both XXXX XXXX XXXX and XXXX XXXX XXXX. The Right to Cancel forms presented by JPMorgan Chase are forgeries - It has been shown as of XXXX XXXX that the signatures that appear on the Note of XXXX Mortgage XXXX. XXXX XXXX has concluded that beyond a reasonable doubt that the signatures upon the alleged documents presented by JPMorgan Chase Bank are not XXXX XXXX XXXX. An earlier signature expert presented the original signatures that on the documents in XXXX XXXX XXXX identity are not that of XXXX XXXX XXXX and are forgeries. The handwriting expert and examination was done at an earlier time in the year of XXXX. The handwriting expert completed XXXX XXXX XXXX report on XXXX XXXX. Neither signature match the original signatures of the living persons that of XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The forgeries also represent misleading ideals of XXXX thereof for XXXX XXXX XXXX signs his name in full aka XXXX XXXX XXXX in most cases whenever finalizing legal contractual documents of any kind. This is not presented in there findings! The doctored up accounting document not a ledger never presented any facts of the true identity time frame of this mortgage in fact there is no history of any payments during the accounting documents presented in the year of XXXX, XXXX nor XXXX. As of XXXX payments for demanded and forced under duress as XXXX XXXX XXXX and XXXX XXXX XXXX investigated this fraudulent action created and caused by JPMorgan Chase bank and employees. Proof of claim that You JPMorgan Chase Bank NA Mortgage Co are the original holder in due course, of the aforementioned original debt instrument, and that it is not being un-sold to another party. A copy of the actual accounting, original ledger whereby JPMorgan Chase Bank NA and XXXX Mortgage XXXX XXXX XXXX XXXX Funding has incurred a loss as a result of the alleged debt. An invoice ( not a Statement ), for any amount of money allegedly owed to JPMorgan Chase NA XXXX XXXX XXXX or XXXX XXXX XXXX for that matter has alleged. Proof of claim that there is any money in circulation is backed by anything of value, by which any debt including this one that lends to the possibility XXXX XXXX or Department of Education might get paid by way of actual money, and that the value of the attached is not sufficient to the discharge this debt under the following laws ; Fair debt collection practices act ( FDCPA ), XXXX XXXX XXXX XXXX, XXXX Title XXXX of the Consumer Credit Protection Act of XXXX. The Indentured Trust Act of XXXX HJR XXXX, XXXX Statutes at large XXXX, and XXXX, XXXX of XXXX The securities exchange act of XXXX The fair credit reporting act public law No. XXXX enacted in XXXX The Bankruptcy act of XXXX XXXX U.S.C. XXXX, XXXX. XXXX U.C.C. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Third Party Collection agency - JPMorgan Chase is a third party collector and or creditor using the identities of XXXX XXXX and XXXX WaMu XXXX Mortgage XXXX XXXX XXXX XXXX Funding and XXXX that of which the the bank JPMorgan Chase claims to have acquired as of these dates XXXX XXXX, XXXX XXXX, and that of XXXX XXXX. Rather the Mortgage XXXX XXXX was created XXXX XXXX, XXXX XXXX XXXX XXXX XXXX years thereafter the alleged acquisition. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CUSP # XXXX - JPMorgan Chase Bank stated that XXXX confirmed that XXXX has not found any records indicating that XXXX XXXX XXXX or his company, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, were customers of XXXX XXXX or JPMorgan Chase. The documents we received with your correspondence, the year XXXX XXXX shows that at that time he was a customer of XXXX XXXX XXXX XXXX XXXX XXXX XXXX which cleared through XXXX, XXXX XXXX XXXX. XXXX XXXX? - Facts of the USDA XXXX XXXX XXXX # XXXX - this investment was not done in XXXX. The XXXX form was sent to JPMorgan Chase Bank as of the year XXXX along with other documents of history between the two parties XXXX XXXX XXXX and XXXX XXXX the investment documents mentioned therein their letter of denial is simply former relationship building. The investor XXXX XXXX XXXX controller/owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX continued thereafter XXXX building relationships with XXXX XXXX employees, brokers bankers and others therein and outside of XXXX XXXX since XXXX till the crash of the markets thereof in the year of XXXX. This letter simply states the date and time of relationship and those beginning in its investment stages. The USDA XXXX XXXX CUSP # XXXX is a hedge fund investment the so called XXXX was stocks. Relationships with XXXX XXXX employees such as XXXX XXXX and subsidiary of JPMorgan Chase Bank that of XXXX XXXX employee XXXX XXXX has provided enough evidence that within emails phone calls and physical meetings dates times phone numbers email accounts has provided enough information therein for JPMorgan Chase to acknowledge these substantial facts yet they have used information given to them by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is now XXXX XXXX BANK. During the 9 and half years of this dispute, complaint, or claims, JPMorgan Chase nor XXXX XXXX has ever mentioned this information. Nor have they attempted to contact XXXX XXXX XXXX in person whereas the bank ( s ) JPMorgan Chase  Bank and XXXX XXXX XXXX has his contact information. JPMorgan Chase alleges that the account information was from XXXX which has been closed since such time but never mentioned the XXXX XXXX XXXX XXXX # XXXX therein such bank on numerous occasions a investor XXXX or XXXX has shown the XXXX NUMBER USDA XXXX XXXX # XXXX to be real and have been moved around within said bank that of JPMorgan Chase Bank. The investment of XXXX XXXX XXXX XXXX # XXXX states in writing that this investment is within and through XXXX XXXX Co, nothing further nor anyone else mentioned therein this agreement of XXXX. XXXX XXXX employed by XXXX XXXX and XXXX XXXX XXXX within this deal employed by XXXX XXXX, never mentioned XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is now XXXX XXXX XXXX during its conversations, during meetings, nor in emails or text messages. XXXX XXXX, XXXX JPMorgan Chase received another offer to pay discharge this alleged debt in the form of a Money Order ( bond ) in its full payment in the amount of {$460000.00} plus any interest if any is allowed within both federal and state laws. Therefore no response to such payment has been given in acknowledgment within said information of XXXXreasury Direct Account information Bill Of Exchange Act 34 of XXXX [ Assented to XXXX XXXX XXXX ] [ Date Of Commencement : XXXX XXXX XXXX ] ( Afrikaans text signed by the State President ) as amended by XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX Act XXXX of XXXX Bills of Exchange Amendment Act 56 of XXXX Act. To consolidate and amend the law relating to bills of exchange, cheques and promissory notes. XXXX. XXXX XXXX XXXX homeowner XXXX XXXX XXXX how and XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc, .. XXXX XXXX XXXX XXXX XXXX XXXX FARMS MI XXXX Corporate number - XXXX Dissolved XXXX, please advise how is it possible to file a corporate title lien when this corporation was dissolved as of XXXX and agains in Michigan via Delaware as of XXXX? XXXX XXXX, XXXX company type is XXXX XXXX. XXXX XXXX assigned to this business is XXXX and state of formation is DE. This company business address is XXXX XXXX XXXX XXXX XXXX XXXX De XXXX. Mailing address is XXXX Mortgage, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Ca XXXX. You can find this business by geo coordinates : XXXX XXXX ' XXXX '' XXXX, XXXX XXXX ' XXXX '' XXXX There are no public or private records of any agents or officers of this alleged corporation and its dealings at this time. XXXX XXXX, XXXX was incorporated on Monday XXXX XXXX XXXX, so this company age is twelve years, two months and XXXX days. Current company status of this company is XXXX. XXXX XXXX, XXXX XXXX is XXXX XXXX XXXX , XXXX Of XXXX.. According to Maryland business register this business is not in good standing. Definitions 46. Notice of dishonor and effect of falter to five such notice subject to the provisions of this Act, if a bill has been dishonored by non-acceptance or by nonpayment, notice of dishonor must be given to the drawer and each endures, and any drawer of endorser to whom such notice is not given is discharged : Provided that ( a ) if a bill is dishonored by a non-acceptance, and notice of dishonor is not given, the right of the holder in due course who became such a holder subsequent to the omission, shall not be prejudiced by the omission ; ( b ) if a bill is dishonored by a non - acceptance, and due notice of dishonor is given, it shall not be necessary to give notice of a subsequent dishonor by nonpayment, unless the bill was accepted in the meantime. Proof of the existence of an account of the actual establishment of debt account but the actual Sentient human XXXX XXXX XXXX duly signed and written out by both parties and not any unilateral agreement. This would include but not limited to the actual agreement upon which the signature page has direct reference to the entire agreement XXXX XXXX XXXX is an artificial entity, a title, of the limited liability fictitious corporation which is legal trade mark, which constitutes valuable legal interest of which all right, title and interest are reserved and of which you have filed to knotty the Caretaker and acceptance agent and supply proof of claim against the limited liability corporation. Proof of claim that You XXXX XXXX or Department Of Education are the original holder in due course, of the aforementioned original debt instrument, and that it is not being un-sold to another party. A copy of the actual accounting, original ledger whereby JPMorgan Chase XXXX XXXX XXXX XXXX XXXX XXXX Funding has incurred a loss as a result of the alleged debt. An invoice ( not a Statement ), for any amount of money allegedly owed to XXXX XXXX or Department of Education XXXX XXXX XXXX for that matter has alleged. Proof of claim that there is any money in circulation is backed by anything of value, by which any debt including this one that lends to the possibility XXXX XXXX or Department of Education might get paid by way of actual money, and that the value of the attached is not sufficient to the discharge this debt under the following laws ; Fair debt collection practices act ( FDCPA ), 15 U.S.C 1692 et., 1978 Title VII of the Consumer Credit Protection Act of 1978.\nThe Indentured Trust Act of 1939 HJR 192, 112 Statutes at large 48, and P.L., 73.10 of 1933 The securities exchange act of 1934 The fair credit reporting act public law No. 91-508 enacted in 1970 The Bankruptcy act of 1933 12 U.S.C. 411, P.L. 97-280 U.C.C. 1-103, 1-308, 2-221, 2-104, 3-415-419, 3-500-510 The aforementioned was done at the will of The administrator, no further solicitation for contracting will be permitted. This correspondence is produced under the full reservation of any and all secured rights, and without recourse. All patients shall be presented to the XXXX via prepaid debit card and or cashiers check only! If any attempt is made to provide payment in any other fashion and or form we must express that is must comply with title XXXX XXXX. XXXX, and XXXX statute at large chapter XXXX. Also provide these further items if associated with this matter in any fashion and or form Federal Reserve form S3 registration statement, Federal Reserve form 424 ( b ) ( 5 ) prospectus, Federal Reserve for FR 2046 balance sheet ( s ), Federal Reserve for FR 2049 balance sheet ( s ), Federal Reserve form 2099 balance sheet ( s ), The Deed Of Trust.\nChain Of Custody This is al lawful request in accords with the aforementioned and the following : U.C.C. - Article 3 - Negotiable Instruments.. Part 5. Dishonor UCC 3-501. Presentment.\nPursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.\nU.C.C. - Article 3 - Negotiable Instruments .. Part 5. Dishonor 3-501. Presentment.\nPresentment means a demeaned made by or on behalf of a person entitled to enforce an instrument ( i ) to pay the instrument made to the drawee or a party obligated to pay the instrument or, in the case of a note or accepted draft payable at a bank, to the bank =, or ( ii ) to accept a draft made to the drawee.\nThe following rules are subject to Article 4, agreement of the parties, and clearing - house rules and such the like : ( 2 ) Upon demand of the persons to whom presentment is made, the person making presentment must ( i ) exhibit the instrument, ( ii ) give reasonable identification and, if presentment is made on behalf of another person, reasonable evidence of authority to do so, and ( iii ) signed a receipt on the instrument for any payment made or surrenderer the instrument in full payment is made.\nBy refusing to supply you will be violating the law and my rights under UCC. Once Again this is not a request for a verification or proof of my mailing address, but a request for a VALIDATION made pursuant to the above named Title and Section ( as well as another laws both federal and local ). It is respectfully requested that your offices provide competent evidence that there is any legal obligation to pay in accords with the aforementioned laws. Please provide and or furnish the following : What money your say owed is ; Explain and show how your offices calculated what allegedly is owed ; Provide a certified copy of the original signed instrument that shows agreement to pay what is owed ; Provide a verification or certification copt of any judgement of applicable ; Identify the original creditor in this matter and the contractual agreement emptying your company.\nProof that the statute of limitation has not expired on this account Show that your licensed to collect in the state of California Provide verification of your license number EIN and registration agent. It comes of necessity and obligation to inform you that if your offices have reported information to any of the credit agencies such action will be construed as fraud under both Federal and State Laws. Further if any negative marks are found on any portion of the credit files associated with this matter by your company or the company that you represent it will come necessary to bring legal action against you for the following : Violation of the Fair Debt Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character and may include any of the following means ; administrative reviews, SEC Hearing, Lien and or Law suit.\nIf you and your offices are able to provide the proper documentation ( originals wet signatures and or certified copies of verified documents with signatures and a copy of check payments etc, .. and such the like of all verified documents ) as requested in the forgoing Declaration, it will revive a prompt response, however at least 45 days will be needed to investigate and review the validity of the information prove and during such time all collection activity is requested cease and desist in good faith. Further during this validation period, should any action be undertaken which could be construed as detrimental to any portion of the credit files related hereto, it will constitute a breach and will result in consultation with legal counsel and action thereafter. This includes any listing of any information to any credit reporting repository that could be inaccurate or invalid or verifying an account as accurate when in the there is no certified valid proof that is it so. Notice the XXXX Release Mortgage Assignment is title RELEASE from XXXX whom was paid by JPMorgan Chase and or XXXX XXXX XXXX to file this fraudulent document dated XXXX XXXX, XXXX, recorded XXXX XXXX, XXXX with the XXXX XXXX XXXX. This is a fraudulent document due to its nature and lack of information therein. There is no dollar amount owed, there is no date to which the third party debt collector JPMorgan Chase acquired loan, its titled RELEASE! t is believed that this loan was created in XXXX thereafter XXXX XXXX XXXX obtained investments within the Bank XXXX XXXX XXXX Co. Which is now or have been acquired by JPMorgan Chase NA as of the year XXXX. The Documents where prepared by XXXX XXXX XXXX of JPMorgan Chase Co NA she is also the alleged Secretary for MERS? As well the Beneficiary and Nominee for XXXX XXXX WaMu XXXX is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX LA XXXX phone number XXXX XXXX she prepared this fraudulent document on XXXX XXXX, XXXX, and had paid XXXX XXXX XXXX XXXX XXXX, to record it with XXXX XXXX XXXX Recorder Registrar on XXXX XXXX, XXXX. XXXX ( XXXX ) years after the alleged acquisition of XXXX Chase Bank well after again XXXX years after XXXX Mortgage was no longer in business within XXXX XXXX of XXXX XXXX and the State, Of California. This document was not mailed to the halls property thereafter the recording of this fraudulent document nor was it on record as of XXXX/XXXX/XXXX when both XXXX XXXX XXXX and XXXX XXXX XXXX visited the XXXX XXXX XXXX XXXX XXXX office. This was the first time the halls made an appearance to do a property title search since owning and living on and in their home property of XXXX XXXX XXXX XXXX XXXX CA [ XXXX ]. Now was any permission given for anyone to record such documents on the halls behalf during such time. It is also stated that XXXX XXXX XXXX alleges that XXXX XXXX XXXX and XXXX XXXX XXXX recorded alleged said deed of trust on XXXX/XXXX/XXXX. This is completely false. Further more as stated on 99 % of mortgage assignments there is an amount owed to the assignee rather on the alleged assignment there is no amount recorded. I believe its is due to no amount recorded therein there is no amount owed. Since this alleged loan was created, to avoid and hide the investment funds USDA FUNDS was CUSIP Number CUSIP # XXXX worth $ XXXX maturity date XXXX XXXX, XXXX, originated XXXX XXXX. The final maturity date for this investment is XXXX XXXX, XXXX. Therefore XXXX XXXX XXXX XXXX XXXX XXXX XXXX owner and CEO of XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the only recipient of said funds. Therefore the issue at hand is the alleged mortgage loan created documents, DEED Title instrument used to create illusion of the actual funds of XXXX NUMBER CUSIP # XXXX. This is the issue at hand. More over we have emails from JPMorgan Chase that indicates other forgeries that of family members and former friends or associates. The documents are doctored up some are newly created and are nothing but a false representation of banking should be to and for the people. The fraudulent mortgage assignment was created 10 years after JPMorgan Chase Bank alleges to have acquired the note from XXXX Mortgage XXXX XXXX XXXX XXXX Funding thereafter alleged acquisition by WaMu. JPMorgan also contradicts itself by stating that they acquired the loan from WaMu XXXX XXXX a letter sent XXXX XXXX, and again in XXXX XXXX in form of another letter this year XXXX XXXX. THE LAW ON THE BILL OF EXCHANGE ACT - Bill Of Exchange Act 34 of 1964 [ Assented to 11 May 1964 ] [ Date Of Commencement : 15 May 1964 ] ( Afrikaans text signed by the State President ) as amended by Suretyship Amendment Act 57 of 1971 Bills of Exchange Amendment Act 58 of 1977 Finance Act 77 of 1986 Bills of Exchange Amendment Act 56 of 2000 Act. To consolidate and amend the law relating to bills of exchange, cheques and promissory notes. XXXX. XXXX XXXX XXXX homeowner XXXX XXXX XXXX how and XXXX XXXX XXXX Nominee Secretary Beneficiary MERS etc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FARMS MI XXXX Corporate number - XXXX Dissolved XXXX, please advise how is it possible to file a corporate title lien when this corporation was dissolved as of XXXX and agains in Michigan via Delaware as of  XXXX? XXXX XXXX, XXXX company type is XXXX XXXX. XXXX XXXX assigned to this business is XXXX and state of formation is DE. This company business address is XXXX XXXX XXXX XXXX XXXX XXXX De XXXX. Mailing address is XXXX Mortgage, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Ca XXXX. You can find this business by geo coordinates : 39 9 ' 28.7 '' N, 75 31 ' 19.3 '' W. There are no public or private records of any agents or officers of this alleged corporation and its dealings at this time. XXXX XXXX, XXXX was incorporated on Monday XXXX XXXX XXXX, so this company age is XXXX years, XXXX months and XXXX days. Current company status of this company is XXXX. XXXX XXXX, XXXX XXXX is XXXX XXXX XXXX XXXX XXXX Of XXXX According to Maryland business register this business is not in good standing. Definitions 46. Notice of dishonor and effect of falter to five such notice subject to the provisions of this Act, if a bill has been dishonored by non-acceptance or by nonpayment, notice of dishonor must be given to the drawer and each endures, and any drawer of endorser to whom such notice is not given is discharged : Provided that ( a ) if a bill is dishonored by a non-acceptance, and notice of dishonor is not given, the right of the holder in due course who became such a holder subsequent to the omission, shall not be prejudiced by the omission ; ( b ) if a bill is dishonored by a non - acceptance, and due notice of dishonor is given, it shall not be necessary to give notice of a subsequent dishonor by nonpayment, unless the bill was accepted in the meantime. Proof of the existence of an account of the actual establishment of debt account but the actual Sentient human XXXX XXXX XXXX and that of XXXX XXXX XXXX duly signed and written out by both parties and not any unilateral agreement. This would include but not limited to the actual agreement upon which the signature page has direct reference to the entire agreement XXXX XXXX XXXX and XXXX XXXX XXXX is an artificial entity, a title, of the limited liability fictitious corporation which is legal trade mark, which constitutes valuable legal interest of which all right, title and interest are reserved and of which you have filed to knotty the Caretaker and acceptance agent and supply proof of claim against the limited liability corporation. Proof of claim that You JPMorgan Chase Bank NA Mortgage Co are the original holder in due course, of the aforementioned original debt instrument, and that it is not being un-sold to another party. A copy of the actual accounting, original ledger whereby JPMorgan Chase Bank NA and XXXX Mortgage XXXX XXXX XXXX XXXX Funding has incurred a loss as a result of the alleged debt. An invoice ( not a Statement ), for any amount of money allegedly owed to JPMorgan Chase NA XXXX XXXX XXXX or XXXX XXXX XXXX for that matter has alleged. Proof of claim that there is any money in circulation is backed by anything of value, by which any debt including this one that lends to the possibility XXXX XXXX or Department of Education might get paid by way of actual money, and that the value of the attached is not sufficient to the discharge this debt under the following laws ; Fair debt collection practices act ( FDCPA ), 15 U.S.C 1692 et., 1978 Title VII of the Consumer Credit Protection Act of 1978.\nThe Indentured Trust Act of 1939 HJR 192, 112 Statutes at large 48, and P.L., 73.10 of 1933 The securities exchange act of 1934 The fair credit reporting act public law No. 91-508 enacted in 1970 The Bankruptcy act of 1933 12 U.S.C. 411, P.L. 97-280 U.C.C. 1-103, 1-308, 2-221, 2-104, 3-415-419, 3-500-510 The aforementioned was done at the will of The administrator, no further solicitation for contracting will be permitted. This correspondence is produced under the full reservation of any and all secured rights, and without recourse. All patients shall be presented to the Estate via prepaid debit card and or cashiers check only! If any attempt is made to provide payment in any other fashion and or form we must express that is must comply with title 12 U.S.C. 411, and 112 statute at large chapter 48.\nAlso provide these further items if associated with this matter in any fashion and or form Federal Reserve form S3 registration statement, Federal Reserve form 424 ( b ) ( 5 ) prospectus, Federal Reserve for FR 2046 balance sheet ( s ), Federal Reserve for FR 2049 balance sheet ( s ), Federal Reserve form 2099 balance sheet ( s ), The Deed Of Trust.\nChain Of Custody This is al lawful request in accords with the aforementioned and the following : U.C.C. - Article XXXX - Negotiable Instruments.. Part 5. Dishonor UCC 3-501. Presentment.\nPursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.\nU.C.C. - Article 3 - Negotiable Instruments .. Part 5. Dishonor 3-501. Presentment.\nPresentment means a demeaned made by or on behalf of a person entitled to enforce an instrument ( i ) to pay the instrument made to the drawee or a party obligated to pay the instrument or, in the case of a note or accepted draft payable at a bank, to the bank =, or ( ii ) to accept a draft made to the drawee.\nThe following rules are subject to Article 4, agreement of the parties, and clearing - house rules and such the like : ( 2 ) Upon demand of the persons to whom presentment is made, the person making presentment must ( i ) exhibit the instrument, ( ii ) give reasonable identification and, if presentment is made on behalf of another person, reasonable evidence of authority to do so, and ( iii ) signed a receipt on the instrument for any payment made or surrenderer the instrument in full payment is made. By refusing to supply you will be violating the law and my rights under UCC. Once Again this is not a request for a verification or proof of my mailing address, but a request for a VALIDATION made pursuant to the above named Title and Section ( as well as another laws both federal and local ). It is respectfully requested that your offices provide competent evidence that there is any legal obligation to pay in accords with the aforementioned laws. Please provide and or furnish the following : What money your say owed is ; Explain and show how your offices calculated what allegedly is owed ; Provide a certified copy of the original signed instrument that shows agreement to pay what is owed ; Provide a verification or certification copt of any judgement of applicable ; Identify the original creditor in this matter and the contractual agreement emptying your company.\nProof that the statute of limitation has not expired on this account Show that your licensed to collect in the state of California Provide verification of your license number EIN and registration agent.\nIt comes of necessity and obligation to inform you that if your offices have reported information to any of the credit agencies such action will be construed as fraud under both Federal and State Laws. Further if any negative marks are found on any portion of the credit files associated with this matter by your company or the company that you represent it will come necessary to bring legal action against you for the following : Violation of the Fair Debt Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character and may include any of the following means ; administrative reviews, SEC Hearing, Lien and or Law suit.\nIf you and your offices are able to provide the proper documentation ( originals wet signatures and or certified copies of verified documents with signatures and a copy of check payments etc, .. and such the like of all verified documents ) as requested in the forgoing Declaration, it will reviv","date_sent_to_company":"2017-08-15T05:11:30.000Z","issue":"Attempts to collect debt not owed","sub_product":"Mortgage debt","zip_code":"93536","tags":null,"has_narrative":true,"complaint_id":"2604955","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2017-08-15T03:53:49.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["If you and your offices are able to provide the proper documentation ( <em>originals</em> wet signatures and or certified copies of <em>verified</em> <em>documents</em> with signatures and a copy of check payments etc, .. and such the like of all <em>verified</em> <em>documents</em> ) as requested in the forgoing Declaration, it will reviv"]},"sort":[14.02621,"2604955"]},{"_index":"complaint-public-v1","_id":"2724125","_score":14.008167,"_source":{"product":"Debt collection","complaint_what_happened":"XX/XX/XXXX AFFIDAVIT OF LEGAL NOTICE AND DEMAND TO VALIDATE DEBT CLAIM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA [ XXXX ] To : FIRST FEDERAL CREDIT CONTROL XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX PHONE : ( XXXX ) XXXX FAX : XXXX This is an offer to fully pay/discharge the attached claim of debt on the condition that the claiming parties comply with this notice within 30 days of receipt of this correspondence.\nNOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASIGNS **********************SILENCE IS ACQUIESENCE*********************** NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Pursuant to the truth in lending laws of the United States Code , Title 15 1601 et. Seq. and the Fair Debt Collection Practices Act laws of the United States Code 1692 et. seq This notice constitutes a timely written response to your Fair Debt Collection Practices Act notice that you are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt.\nThis notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : 1. The name and address of the organization or other governmental unit alleging a debt ; 2. The name and address of the person or persons in that organization or other governmental unit alleging a claim of debt ; 3. The name of the actual creditor even if that is myself ; 4. The origin of the funds used to create this alleged claim of deb\nt 5. The actual records of the organization or other governmental unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt. 6. The actual records of the organization or other governme\nntal unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of a debt.\n7. The actual records of the organization or other governmental unit with a LIVE signature on any and, all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by similar name.\n8. Be advised that verification is defined ( XXXX Law Dictionary, 6th Edition ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party.\n9. The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 -1601 et. seq and Regulation Z. 10. The actual records of the organization or other governmental unit showing that any, and all documents /instrument ( s ) containing my signature or likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt. 11. The person that prepares and swears to the validation of debt must describe:1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) How long have you been in your position ; 4 ) When did you first come in contact with the alleged account/debt ; 5 )\nHow frequently do you work with the files and information they are presenting to verify/validate the alleged debt ;\nand 7 ) Do you have personal knowledge about the alleged debt and/or any alleged account. 15 U.S.C -1692 ( e ) states that a false, deceptive, and\nmisleading representation, in connection, with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice.\nPursuant to 15 U.S.C -1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 30 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collections Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities.\nThis is a constructive notice that, absent the validation of your claim within 30 days, you must cease and desist any, and all collection activity and are prohibited from contacting me through the mail, by telephone, in person, at my home, or at my work. You are further prohibited from contacting any other third party. Each, and every attempted contact, in violation, of this act, will constitute harassment and defamation of character and will subject your agency and/or attorney and any, and all agents in his/her individual capacities, who take part in such harassment, and defamation, to a liability for actual damages, as well as statutory damages of up to {$1000.00} for each and, every violation, and a further liability for legal fees to be paid to any counsel which I may retain. Further, absent such validation of your claim, you are prohibited from filing any notice of lien and /or levy or judgment and are also barred from reporting any derogatory credit information to any credit reporting agency, regarding this disputed purported debt.\nFurther, pursuant to the Fair Debt Collection Practices Act 15 U.S.C 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal or holder in due course, for whom you are attempting to collect this alleged debt.\nPlease take notice that this legal notice will be forwarded as a criminal investigation of the business practices of the above, named organization or other governmental unit, its agents, officers, employees and attorney to determine violations of the United States criminal laws. Your claims of collection of a purported debt appears to be founded upon a false record in violation of U.S.C Title 18 -2071 and 2073 ( falsifying records ) and further ; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C Title 18 -471,472,473and or 513, and further using corrupt business practices to make and possess false records and claim if obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C Title 18 1961 et.seq and further using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C -1341 Frauds and Swindles laws, and further sending mal with false and fictitious names, criminal conduct falling under Title 18 U.S.C -1842 Fictitious Names. XXXX XXXX XXXX XXXX ALL INFORMATION WILL BE FORWARDED TO THE FLORIDA INSPECTOR GENERAL OFFICE AND IRS CRIMINAL DIVISION TO INVESTIGATE ( FIRST FEDERAL CREDIT CONTROL ) UNDER THE BANKING SECRECY ACT AND THE PATRIOT ACT UNDER AS WELL AS ALL MONEY INSTRUMENT TO BE DISCLOSED.\nTAKE NOTICE FIRST FEDERAL CREDIT CONTROL failure in providing respondent with the requisite verification, validating the above referenced alleged debt within the requirements of law as codified in the Fair Debt Collection Practices Act, Fair Credit Reporting Act, Banking Secrecy Act, Patriot Act and the corresponding laws of each state, signifies that Debt Collector tacitly agrees that : a. Debt collector has no lawful, bona fide, verified claim, re the listed accounts : ACCOUNT # XXXX XXXX. Debt Collector waives any, and all claims against respondent C. Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs, fees and expenses incurred in defending against this and any, and all continued collection attempt\ns, re the above-referenced alleged accounts. D. Failure of Debt Collector to properly and l\negally verify/validate alleged debt as required in this notice us a self-executing irrevocable power of attorney authorizing Respondent/Alleged Debtor named herein to direct the permanent removal, on behalf of the alleged Creditor, of any, and all references to said accounts in any, and all credit reporting agency files of any type.\nThis response will constitute my effort to resolve this on-going debt claim between the parties involved. Until full disclosure on and for the official public record with a signed affidavit attached is achieved, there can be no case, collection or action. No civil or criminal cause of action can arise lest, out of fraud, there be valid, honest contract See XXXX V XXXX XXXX XXXX XXXX XXXX Furthermore Title 12 U.S.C -411 Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose, of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of XXXX, XXXX XXXX XXXX, or at any Federal Reserve bank.\nPLEASE TAKE ADDITIONAL NOTICE All responses must be done on and for the public record and must be signed with a wet ink signature in the format of an affidavit with a public notary seal affixed ALL OTHER FORMS OF COMMUNICATION WILL BE NULL AND VOIDED and will be used a prima facie evidence in any, and all legal recourse I so choose to take as the authorized representative for XXXX XXXX XXXX CC : FLORIDA ATTORNEY GENERAL CC : BBB CC : HHS.GOV","date_sent_to_company":"2017-11-08T16:04:38.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"32812","tags":null,"has_narrative":true,"complaint_id":"2724125","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"First Federal Credit Control, Inc.","date_received":"2017-11-08T15:37:57.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["The <em>actual</em> records of the organization or other governmental unit with a LIVE signature on any and, all <em>document</em>/instrument ( s ) <em>used</em> to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by similar name.\n8. Be advised that <em>verification</em> is defined ( XXXX Law Dictionary, 6th Edition ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition."]},"sort":[14.008167,"2724125"]},{"_index":"complaint-public-v1","_id":"4651501","_score":13.975136,"_source":{"product":"Debt collection","complaint_what_happened":"Affidavit of Truth XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DE XXXX Account Ending In : XXXX To whom it may concern, On XX/XX/2021 I submitted a complaint to the CFPB about XXXX XXXX, XXXX. who is a debt collector that Chase Bank sold an alleged debt to that they said I owe in the sum of {$1400.00}. XXXX XXXX, XXXX. responded back on XX/XX/2021 stating as quoted XXXX is no longer serving your account. We notified our client of your request for validation. Any documents in support of this debt were or will be mailed to you directly by our client. I then received a letter in the mail the same day XX/XX/2021 from Chase stating as quoted We will stop contacting you about this account by phone and mail. I then made another complaint with XXXX XXXX, XXXX. on XX/XX/2021 stating that Chase has provided the proper validation documentation. Chase then sent me another letter stating as quoted We sent the account documents you requested. I then received a envelop in the mail from Chase that was supposed to be documents validating the alleged debt and what they sent me VALIDATES NOTHING. \nPursuant to FDCPA 15 USC 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. As a consumer, I never have Chase prior consent to communicate with me about this alleged debt. Pursuant to FDCPA 15 USC 1692c ( b ) Chase communicated with a 3rd party to sell the alleged debt and gave them my name and location information without my consent which is an invasion of privacy. Pursuant to 15 USC 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. When I requested for validation of debt Chase could not proved the proper documents as stated by federal law according to 15 USC 1692g. Pursuant to 15 USC 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I did not give Chase Bank AUTHORITY to use my credit card which is my social security card and pursuant to 15 USC 1601 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit nor did I benefit from the unauthorized use. Theyve contacted me numerous times regarding the alleged debt, sold the debt to a third party and gave them my location information, and reported the account as a charge off on my credit record to the credit reporting agencies without my consent which is negatively impacting my credit report. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( B ) which should be excluded from a consumer credit report any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Chase as violated multiple laws and I demand for this account to be deleted from all credit reporting agencies immediately and expect to be compensated for damages pursuant to FDCPA 15 USC 1692k. I have attached the invoice along with all documents supporting my claim. If this account is not deleted from all credit reporting agencies and Im not compensated for damages I will be forced to take legal action.","date_sent_to_company":"2021-08-22T05:50:48.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"42701","tags":null,"has_narrative":true,"complaint_id":"4651501","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-08-22T01:40:57.000Z","state":"KY","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["When I requested for validation of debt Chase could not proved the proper <em>documents</em> as stated by federal law according to 15 USC 1692g. Pursuant to 15 USC 1602 ( p ) The term unauthorized <em>use</em>, as <em>used</em> in section 1643 of this title, means a <em>use</em> of a credit card by a person other than the cardholder who does not have <em>actual</em>, implied, or apparent authority for such <em>use</em> and from which the cardholder receives no benefit."]},"sort":[13.975136,"4651501"]},{"_index":"complaint-public-v1","_id":"14610992","_score":13.931557,"_source":{"product":"Debt collection","complaint_what_happened":"Dear TransUnion Disputes Department : I am writing to invoke my full rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) to formally dispute and demand the removal of any and all unauthorized, inaccurate, unverifiable, or outdated accounts on my credit report. This includes all entries : That I did not authorize ; That can not be verified with original, complete documentation ; That were sold, securitized, or transferred without proper chain of assignment ; That are affected by litigation or regulatory action involving data furnishers or debt collectors. \nI am currently a directly affected party in litigation involving certain entities reporting on my credit file, and this dispute is made in good faith under the protections granted to me by law. \n\nI Dispute All of the Following : Any account that lacks a signed, original agreement with me ; Any account unverifiable under a reasonable investigation ; Any debt that has been sold, securitized, or extinguished ; Any tradeline affected by a known or pending lawsuit or CFPB action ; Any reporting made beyond the applicable statute of limitations for debt collection in my state. \nLEGAL DEMANDS UNDER FEDERAL LAW : Pursuant to FCRA 1681i ( a ) ( 1 ) ( A ), I demand a reasonable reinvestigation of the information disputed.\n\nIf you intend to verify the accounts, I further demand that you provide a detailed Method of Verification under FCRA 1681i ( a ) ( 7 ) as outlined below : Method of Verification Required Details : Exactly how the account was verified ( phone, electronic, written confirmation, etc. ). \nName, department, and title of the individual who performed the verification. \nDate, time, and location the verification took place. \nWhich documents or data were used to verify the accuracy of the item. \nProof of Investigation : Name and title of the individual ( s ) who conducted the reinvestigation. \nDetailed explanation of the investigation process ( how, when, where ). \nCopies of all documents reviewed, including any response from the furnisher. \nComplete and Executed Agreement : Provide a copy of the original signed contract or agreement bearing my signature that created the alleged debt. \nIf the debt was sold or transferred, provide the full chain of assignment and ownership history including dates, entities, and documentation showing legal transfer of the right to collect. \nOriginal Creditor & Delinquency Information : Name and contact details of the original creditor. \nThe original date of delinquency and charge-off, if applicable. \nStatute of Limitations : Submit legal documentation confirming that the account is still legally reportable under my states statute of limitations for debt collection and credit reporting. \n\nSource of Bankruptcy Information ( if applicable ) : If my credit report contains bankruptcy-related information, specify the exact source of this data, as bankruptcy courts do not report to credit bureaus. \n\nLEGAL BASIS FOR THESE DEMANDS : I am exercising my rights under the following statutes : FCRA 1681e ( b ) You are required to maintain maximum possible accuracy. \nFCRA 1681i ( a ) ( 1 ) ( A ) You must conduct a reasonable reinvestigation. \nFCRA 1681i ( a ) ( 2 ) You must forward all relevant information to the furnisher. \nFCRA 1681i ( a ) ( 5 ) ( A ) If an item can not be verified within 30 days, you must delete it and send me written confirmation. \nFCRA 1681n & 1681o Noncompliance subjects you to civil liability for actual damages, statutory damages, attorney fees, and costs. \nFDCPA 1692g ( b ) Collection must cease until validation is provided upon request. \nFDCPA 1692e You may not report or collect based on false, deceptive, or misleading representations. \nFINAL DEMAND : If you are unable to fully substantiate the accuracy of the disputed accounts and provide the above information within 30 calendar days, I demand immediate deletion of all such entries and written confirmation of the deletion as required by FCRA 1681i ( a ) ( 5 ) ( A ). \n\nFailure to comply will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and may lead to civil litigation in federal court. \n\nThis letter is being sent via [ certified mail/email ] to establish a verifiable record.","date_sent_to_company":"2025-07-13T00:05:45.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"60629","tags":null,"has_narrative":true,"complaint_id":"14610992","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-07-12T23:48:16.000Z","state":"IL","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["If you intend to <em>verify</em> the accounts, I further demand that you provide a detailed Method of <em>Verification</em> under FCRA 1681i ( a ) ( 7 ) as outlined below : Method of <em>Verification</em> Required Details : Exactly how the account was <em>verified</em> ( <em>phone</em>, electronic, written confirmation, etc. ). \nName, department, and title of the individual who performed the <em>verification</em>. \nDate, time, and location the <em>verification</em> took place. \nWhich <em>documents</em> or data were <em>used</em> to <em>verify</em> the accuracy of the item."],"sub_issue":["Didn't receive enough information to <em>verify</em> debt"]},"sort":[13.931557,"14610992"]},{"_index":"complaint-public-v1","_id":"12453967","_score":13.669404,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX Subject : Formal Dispute, Demand for Verification, and Cease-and-Desist Notice To Whom It May Concern, I am writing to formally dispute and demand verification of the following accounts and information being reported on my Equifax credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request an immediate investigation and a detailed explanation of the procedures used to verify this information. If verification can not be provided, I demand the immediate deletion of these items from my credit file. \n\nDisputed Accounts Unverifiable and Must Be Deleted XXXX : Account Number : XXXX XXXX XXXX ( Original XXXX XXXX XXXX ) : Account Number : XXXX XXXX XXXX  : Account Number : XXXX XXXX XXXX : Account Number : XXXX XXXX  : Account Number : XXXX XXXX XXXX : Account Number : XXXX XXXX  : Account Number : XXXX XXXX  : Account Number : XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX  XXXX : Account Number : XXXX Debt Validation Request Under 15 U.S.C. 1692g, I formally request validation of these alleged debts. This is not a refusal to pay but a demand for verification. You are required to provide : Original Signed Contract A copy of the contract that created the debt.\n\nProof of Ownership Documentation proving legal ownership of the debt.\n\nDetailed Accounting A breakdown of the principal, interest, fees, and any other charges.\n\nIf you can not provide these documents, the accounts must be deleted from my credit file.\n\nCease-and-Desist Notice I am invoking my rights under the FDCPA to demand that all further communication regarding these alleged debts cease immediately. The only permissible form of contact shall be through written correspondence sent to the mailing address listed above. No contact by phone, email, text, or any other means is authorized. Additionally, no contact with family, friends, or third parties is permitted. \n\nPersonal Information Update Request Please update my personal information to reflect the following : Correct Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of Birth : XX/XX/year> Additionally, please delete all outdated and incorrect personal information, including : All incorrect name variations. \n\nAll undeliverable and previous addresses. \n\nAll employers listed on my report. \n\nMethod of Verification & Legal Compliance Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required to provide : The exact method of verification used to validate the accuracy of each disputed account. \n\nA complete description of the procedures followed during your investigation. \n\nCopies of all documentation used to validate the accuracy of these accounts. \n\nIf you can not verify the disputed accounts within 30 days, you must delete them from my credit file as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).\n\nLegal Notice & Potential Litigation Failure to comply with my request will result in legal action for violations, including but not limited to : Statutory damages of {$1000.00} per violation ( 15 U.S.C. 1681n ( a ) and 15 U.S.C. 1692k ( a ) ( 2 ) ( A ) ).\n\nActual damages for emotional distress, harm to my credit, and loss of credit opportunities.\n\nPunitive damages for willful noncompliance.\n\nAttorneys fees and legal costs. \n\nI expect your full compliance within 30 days of receiving this letter. Failure to comply will result in immediate legal action. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX","date_sent_to_company":"2025-03-13T18:41:24.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30082","tags":null,"has_narrative":true,"complaint_id":"12453967","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-13T18:40:55.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This is not a refusal to pay but a demand for <em>verification</em>. You are required to provide : <em>Original</em> Signed Contract A copy of the contract that created the debt.\n\nProof of Ownership Documentation proving legal ownership of the debt.\n\nDetailed Accounting A breakdown of the principal, interest, fees, and any other charges.\n\nIf you can not provide these <em>documents</em>, the accounts must be deleted from my credit file."],"issue":["Improper <em>use</em> of your report"],"sub_issue":["Reporting company <em>used</em> your report improperly"]},"sort":[13.669404,"12453967"]},{"_index":"complaint-public-v1","_id":"12453965","_score":13.647837,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX Subject : Formal Dispute, Demand for Verification, and Cease-and-Desist Notice To Whom It May Concern, I am writing to formally dispute and demand verification of the following accounts and information being reported on my Equifax credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request an immediate investigation and a detailed explanation of the procedures used to verify this information. If verification can not be provided, I demand the immediate deletion of these items from my credit file. \n\nDisputed Accounts Unverifiable and Must Be Deleted XXXX : Account Number : XXXX XXXX XXXX ( Original XXXX XXXX XXXX ) : Account Number : XXXX XXXX XXXX  : Account Number : XXXX XXXX XXXX : Account Number : XXXX XXXX  : Account Number : XXXX XXXX XXXX : Account Number : XXXX XXXX  : Account Number : XXXX XXXX  : Account Number : XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX  XXXX : Account Number : XXXX Debt Validation Request Under 15 U.S.C. 1692g, I formally request validation of these alleged debts. This is not a refusal to pay but a demand for verification. You are required to provide : Original Signed Contract A copy of the contract that created the debt.\n\nProof of Ownership Documentation proving legal ownership of the debt.\n\nDetailed Accounting A breakdown of the principal, interest, fees, and any other charges.\n\nIf you can not provide these documents, the accounts must be deleted from my credit file.\n\nCease-and-Desist Notice I am invoking my rights under the FDCPA to demand that all further communication regarding these alleged debts cease immediately. The only permissible form of contact shall be through written correspondence sent to the mailing address listed above. No contact by phone, email, text, or any other means is authorized. Additionally, no contact with family, friends, or third parties is permitted. \n\nPersonal Information Update Request Please update my personal information to reflect the following : Correct Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of Birth : XX/XX/year> Additionally, please delete all outdated and incorrect personal information, including : All incorrect name variations. \n\nAll undeliverable and previous addresses. \n\nAll employers listed on my report. \n\nMethod of Verification & Legal Compliance Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required to provide : The exact method of verification used to validate the accuracy of each disputed account. \n\nA complete description of the procedures followed during your investigation. \n\nCopies of all documentation used to validate the accuracy of these accounts. \n\nIf you can not verify the disputed accounts within 30 days, you must delete them from my credit file as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).\n\nLegal Notice & Potential Litigation Failure to comply with my request will result in legal action for violations, including but not limited to : Statutory damages of {$1000.00} per violation ( 15 U.S.C. 1681n ( a ) and 15 U.S.C. 1692k ( a ) ( 2 ) ( A ) ).\n\nActual damages for emotional distress, harm to my credit, and loss of credit opportunities.\n\nPunitive damages for willful noncompliance.\n\nAttorneys fees and legal costs. \n\nI expect your full compliance within 30 days of receiving this letter. Failure to comply will result in immediate legal action. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX","date_sent_to_company":"2025-03-13T18:41:24.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30082","tags":null,"has_narrative":true,"complaint_id":"12453965","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-13T18:40:55.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This is not a refusal to pay but a demand for <em>verification</em>. You are required to provide : <em>Original</em> Signed Contract A copy of the contract that created the debt.\n\nProof of Ownership Documentation proving legal ownership of the debt.\n\nDetailed Accounting A breakdown of the principal, interest, fees, and any other charges.\n\nIf you can not provide these <em>documents</em>, the accounts must be deleted from my credit file."],"issue":["Improper <em>use</em> of your report"],"sub_issue":["Reporting company <em>used</em> your report improperly"]},"sort":[13.647837,"12453965"]},{"_index":"complaint-public-v1","_id":"12465795","_score":13.634864,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX Subject : Formal Dispute, Demand for Verification, and Cease-and-Desist Notice To Whom It May Concern, I am writing to formally dispute and demand verification of the following accounts and information being reported on my Equifax credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request an immediate investigation and a detailed explanation of the procedures used to verify this information. If verification can not be provided, I demand the immediate deletion of these items from my credit file. \n\nDisputed Accounts Unverifiable and Must Be Deleted XXXX : Account Number : XXXX XXXX XXXX ( Original XXXX XXXX XXXX ) : Account Number : XXXX XXXX XXXX  : Account Number : XXXX XXXX XXXX : Account Number : XXXX XXXX  : Account Number : XXXX XXXX XXXX : Account Number : XXXX XXXX  : Account Number : XXXX XXXX  : Account Number : XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX  XXXX : Account Number : XXXX Debt Validation Request Under 15 U.S.C. 1692g, I formally request validation of these alleged debts. This is not a refusal to pay but a demand for verification. You are required to provide : Original Signed Contract A copy of the contract that created the debt.\n\nProof of Ownership Documentation proving legal ownership of the debt.\n\nDetailed Accounting A breakdown of the principal, interest, fees, and any other charges.\n\nIf you can not provide these documents, the accounts must be deleted from my credit file.\n\nCease-and-Desist Notice I am invoking my rights under the FDCPA to demand that all further communication regarding these alleged debts cease immediately. The only permissible form of contact shall be through written correspondence sent to the mailing address listed above. No contact by phone, email, text, or any other means is authorized. Additionally, no contact with family, friends, or third parties is permitted. \n\nPersonal Information Update Request Please update my personal information to reflect the following : Correct Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of Birth : XX/XX/year> Additionally, please delete all outdated and incorrect personal information, including : All incorrect name variations. \n\nAll undeliverable and previous addresses. \n\nAll employers listed on my report. \n\nMethod of Verification & Legal Compliance Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required to provide : The exact method of verification used to validate the accuracy of each disputed account. \n\nA complete description of the procedures followed during your investigation. \n\nCopies of all documentation used to validate the accuracy of these accounts. \n\nIf you can not verify the disputed accounts within 30 days, you must delete them from my credit file as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).\n\nLegal Notice & Potential Litigation Failure to comply with my request will result in legal action for violations, including but not limited to : Statutory damages of {$1000.00} per violation ( 15 U.S.C. 1681n ( a ) and 15 U.S.C. 1692k ( a ) ( 2 ) ( A ) ).\n\nActual damages for emotional distress, harm to my credit, and loss of credit opportunities.\n\nPunitive damages for willful noncompliance.\n\nAttorneys fees and legal costs. \n\nI expect your full compliance within 30 days of receiving this letter. Failure to comply will result in immediate legal action. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX","date_sent_to_company":"2025-03-13T18:41:21.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30082","tags":null,"has_narrative":true,"complaint_id":"12465795","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-13T18:25:37.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This is not a refusal to pay but a demand for <em>verification</em>. You are required to provide : <em>Original</em> Signed Contract A copy of the contract that created the debt.\n\nProof of Ownership Documentation proving legal ownership of the debt.\n\nDetailed Accounting A breakdown of the principal, interest, fees, and any other charges.\n\nIf you can not provide these <em>documents</em>, the accounts must be deleted from my credit file."],"issue":["Improper <em>use</em> of your report"],"sub_issue":["Reporting company <em>used</em> your report improperly"]},"sort":[13.634864,"12465795"]},{"_index":"complaint-public-v1","_id":"16426657","_score":13.634293,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : FCRA XXXX ( a ) Procedural Request & Demand for Deletion XXXX XXXX XXXX XXXX XXXX XXXX XXXXunt Ending XXXX ) Dear Equifax Dispute Department , This letter is submitted as a formal dispute and procedural request under Section 609 ( a ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ) regarding the XXXX XXXX XXXX XXXXXXXX XXXX account ending in XXXX, reported on my Equifax credit file dated XX/XX/XXXX. I categorically dispute the accuracy and completeness of this account. Its continued reporting constitutes a violation of FCRA 1681i ( a ), which requires the deletion of unverifiable or inaccurate information. Procedural Request Under FCRA 609 ( a ) : I hereby demand that Equifax provide me with copies of all documentation and records relied upon in reporting and verifying this account, including but not limited to : A copy of the original signed credit application or agreement allegedly executed by me. Complete payment history and account records received from XXXX XXXXXXXX XXXX XXXX XXXX XXXXentification of the party or system used to verify the accounts accuracy under prior disputes, including the method of verification. Proof of XXXX XXXX continued legal authority to report this account, including any assignment, transfer, or closure documentation. Disputed Account Information : Creditor XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Status : Closed / Pays as Agreed Balance : {$0.00} Date of Last Activity : XX/XX/XXXX Required Action : If Equifax and XXXX XXXX can not provide full verification with the above-requested documentation, this account must be immediately deleted from my Equifax credit XXXX pursuant to FCRA 1681i ( a ) ( 5 ). Notice of Intent to Escalate : Failure to provide legally sufficient verification or failure to delete unverifiable information will leave me no choice but to : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Florida Attorney Generals Office ; Consider legal action under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance, including statutory damages, actual damages, emotional distress, and attorneys fees. I demand written confirmation within 15 days of receipt of this request that this account has either been fully verified with supporting documentation or permanently deleted from my Equifax credit file. Enclosed are copies of supporting documents for your review. Respectfully, XXXX XXXX XXXX Enclosures : Supporting Documentation","date_sent_to_company":"2025-10-07T12:32:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32725","tags":null,"has_narrative":true,"complaint_id":"16426657","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-07T12:31:45.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Complete payment history and account records received from XXXX XXXXXXXX XXXX XXXX XXXX XXXXentification of the <em>party</em> or system <em>used</em> to <em>verify</em> the accounts accuracy under prior disputes, including the method of <em>verification</em>. Proof of XXXX XXXX continued legal authority to report this account, including any assignment, transfer, or closure documentation."]},"sort":[13.634293,"16426657"]},{"_index":"complaint-public-v1","_id":"14702508","_score":13.592575,"_source":{"product":"Debt collection","complaint_what_happened":"Dear TransUnion Disputes Department : I am writing to invoke my full rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) to formally dispute and demand the removal of any and all unauthorized, inaccurate, unverifiable, or outdated accounts on my credit report. This includes all entries : That I did not authorize ; That can not be verified with original, complete documentation ; That were sold, securitized, or transferred without proper chain of assignment ; That are affected by litigation or regulatory action involving data furnishers or debt collectors. \nI am currently a directly affected party in litigation involving certain entities reporting on my credit file, and this dispute is made in good faith under the protections granted to me by law. \n\nI Dispute All of the Following : Any account that lacks a signed, original agreement with me ; Any account unverifiable under a reasonable investigation ; Any debt that has been sold, securitized, or extinguished ; Any tradeline affected by a known or pending lawsuit or CFPB action ; Any reporting made beyond the applicable statute of limitations for debt collection in my state. \nLEGAL DEMANDS UNDER FEDERAL LAW : Pursuant to FCRA 1681i ( a ) ( 1 ) ( A ), I demand a reasonable reinvestigation of the information disputed. \n\nIf you intend to verify the accounts, I further demand that you provide a detailed XXXX XXXX XXXX under FCRA 1681i ( a ) ( 7 ) as outlined below : Method of Verification Required Details : Exactly how the account was verified ( phone, electronic, written confirmation, etc. ). \nName, department, and title of the individual who performed the verification. \nDate, time, and location the verification took place. \nWhich documents or data were used to verify the accuracy of the item. \nProof of Investigation : Name and title of the individual ( XXXX ) who conducted the reinvestigation. \nDetailed explanation of the investigation process ( how, when, where ). \nCopies of all documents reviewed, including any response from the furnisher. \nXXXXXXXX XXXX XXXXXXXX XXXX : Provide a copy of the original signed contract or agreement bearing my signature that created the alleged debt. \nIf the debt was sold or transferred, provide the full chain of assignment and ownership history including dates, entities, and documentation showing legal transfer of the right to collect. \nXXXX XXXXXXXX XXXX XXXXXXXX XXXX : Name and contact details of the original creditor. \nThe original date of delinquency and charge-off, if applicable. \nStatute of Limitations : Submit legal documentation confirming that the account is still legally reportable under my states statute of limitations for debt collection and credit reporting. \n\nSource of Bankruptcy Information ( if applicable ) : If my credit report contains bankruptcy-related information, specify the exact source of this data, as bankruptcy courts do not report to credit bureaus. \n\nLEGAL BASIS FOR THESE DEMANDS : I am exercising my rights under the following statutes : FCRA 1681e ( b ) You are required to maintain maximum possible accuracy. \nFCRA 1681i ( a ) ( 1 ) ( A ) You must conduct a reasonable reinvestigation.\n\nFCRA 1681i ( a ) ( 2 ) You must forward all relevant information to the furnisher.\n\nFCRA 1681i ( a ) ( 5 ) ( A ) If an item can not be verified within 30 days, you must delete it and send me written confirmation. \nFCRA 1681n & 1681o Noncompliance subjects you to civil liability for actual damages, statutory damages, attorney fees, and costs.\n\nFDCPA 1692g ( b ) Collection must cease until validation is provided upon request.\n\nFDCPA 1692e You may not report or collect based on false, deceptive, or misleading representations. \nFINAL DEMAND : If you are unable to fully substantiate the accuracy of the disputed accounts and provide the above information within XXXX calendar days, I demand immediate deletion of all such entries and written confirmation of the deletion as required by FCRA 1681i ( a ) ( 5 ) ( A ). \n\nFailure to comply will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and may lead to civil litigation in federal court.","date_sent_to_company":"2025-07-17T02:14:06.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"60629","tags":null,"has_narrative":true,"complaint_id":"14702508","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-17T01:54:55.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["If you intend to <em>verify</em> the accounts, I further demand that you provide a detailed XXXX XXXX XXXX under FCRA 1681i ( a ) ( 7 ) as outlined below : Method of <em>Verification</em> Required Details : Exactly how the account was <em>verified</em> ( <em>phone</em>, electronic, written confirmation, etc. ). \nName, department, and title of the individual who performed the <em>verification</em>. \nDate, time, and location the <em>verification</em> took place. \nWhich <em>documents</em> or data were <em>used</em> to <em>verify</em> the accuracy of the item."]},"sort":[13.592575,"14702508"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":308,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":308}]}},"product":{"doc_count":308,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":170,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":88},{"key":"I do not know","doc_count":35},{"key":"Auto debt","doc_count":20},{"key":"Medical debt","doc_count":7},{"key":"Other debt","doc_count":7},{"key":"Federal student loan debt","doc_count":5},{"key":"Mortgage debt","doc_count":5},{"key":"Private student loan debt","doc_count":2},{"key":"Rental debt","doc_count":1}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":79,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":78},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":34,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":33},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Mortgage","doc_count":13,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":7},{"key":"FHA mortgage","doc_count":4},{"key":"Other type of mortgage","doc_count":2}]}},{"key":"Checking or savings account","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":5}]}},{"key":"Vehicle loan or lease","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":4}]}},{"key":"Credit card","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":2}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Title loan","doc_count":1}]}}]}},"issue":{"doc_count":308,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Written notification about debt","doc_count":93,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":90},{"key":"Didn't receive notice of right to dispute","doc_count":3}]}},{"key":"Incorrect information on your report","doc_count":57,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":25},{"key":"Account information incorrect","doc_count":16},{"key":"Account status incorrect","doc_count":9},{"key":"Public record information inaccurate","doc_count":5},{"key":"Old information reappears or never goes away","doc_count":2}]}},{"key":"Attempts to collect debt not owed","doc_count":54,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":40},{"key":"Debt was result of identity theft","doc_count":12},{"key":"Debt was paid","doc_count":2}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":31,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":21},{"key":"Investigation took more than 30 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