{"took":364,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":26,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"12540877","_score":11.720887,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CC : XXXX XXXX ( Experian - Group General Counsel ), XXXX XXXX ( Experian - Chief Compliance Officer ), CFPB, FTC Subject : Formal Response to Experians Mischaracterization of Dispute Demand for Compliance To whom it may concern, I am writing to formally address Experians improper and inaccurate classification of my disputes under CFPB Complaint IDs XXXX and XXXX. On XX/XX/year>, Experian issued two separate responses, both falsely designating my disputes as fraud-related. \nThis is an outright misrepresentation of the facts and a direct violation of FCRA 1681i ( a ) and FCRA 1681e ( b ). At no point in these disputes have I alleged fraud, requested a fraud alert, or submitted any documentation indicating identity theft.\n\nFor absolute clarity and evidentiary purposes, the following documents are attached to this communication : A notarized Affidavit of Truth ( AOT ), which serves as a sworn statement supporting my claims and confirming that no fraud claim has ever been made by me in relation to these disputes.\n\nMultiple FTC Fraud Reports, formally documenting Experians fraudulent misclassification of my disputes. These reports detail Experians deliberate misuse of fraud classifications as a tactic to evade compliance, obstruct regulatory oversight, and improperly close out valid CFPB complaints. \nThese documents serve as official evidence that Experians classification of my disputes as fraud-related is factually false, legally indefensible, and constitutes a material misrepresentation of my claims. Further, the FTC Fraud Reports provide a formal record of Experians deceptive business practices, reinforcing the need for regulatory intervention and legal consequences. \nAbsolute Denial of Fraud Misclassification Any Past or Present Fraud Designations Are False and Unauthorized At no pointpast or present, on or before XX/XX/XXXX, XXXXhave I alleged fraud, requested a fraud alert, submitted any documentation indicating identity theft, or authorized any classification of my disputes as fraud-related. No fraud claim has ever been made, or is currently being made, in connection with any disputes as of XX/XX/year>. \nExperians assignment of a fraud designation to my disputes is : Factually incorrect No statement, document, or action on my part has indicated fraud in any capacity.\n\nLegally unjustified No provision under the FCRA, state consumer protection laws, or any other governing regulation permits Experian to arbitrarily classify a dispute as fraud without basis.\n\nA material misrepresentation Any reference to fraud in relation to my disputes is demonstrably false and constitutes a direct mischaracterization of my claims.\n\nExperian is Formally on Notice That : 1. No fraud designationpast, present, or futureis valid, warranted, or authorized in connection with any of my disputes filed on or before XX/XX/year>. \n2. No fraud-related classification has ever been requested, supported, or substantiated by any documentation I have submitted on or before XX/XX/year>. \n3. No fraud-related investigation, review, or designation is applicable, and any reference to such is a material misrepresentation of any dispute filed on or before XX/XX/year>. \n4. Experian has no authority, justification, or factual basis to apply a fraud designation to any disputes I have submitted on or before XX/XX/year>. \nOngoing Documentation of Experians Misconduct Systemic Pattern of Regulatory Evasion I am actively tracking, documenting, and cataloging every instance where Experian fraudulently applies a fraud classification or any other manufactured justification to improperly close out valid CFPB complaints. This includes, but is not limited to : Each instance where Experian misclassifies my CFPB complaints as fraud-related to evade directly addressing the substantive issues raised in the disputes. \nEvery case where Experian improperly closes out a valid CFPB complaint without providing a legally compliant response, citing fraud or another fabricated justification to avoid compliance. \nAll responses from Experian in the CFPB complaint portal containing deliberate misrepresentations, procedural evasion, or fraudulent classifications that obstruct my ability to obtain an official resolution. \nExperians deliberate misuse of fraud designations and other deceptive tactics to obstruct regulatory oversight is now part of a fully documented pattern of systemic noncompliance and fraudulent dispute handling. Every instance is being compiled as evidence for federal and state enforcement actions. \nLegal Consequences Regulatory Violations and Enforcement Actions Any existing, continued, or future reference by Experian to fraud, identity theft, or any other manufactured justification used to improperly close or evade a valid CFPB complaint is : Categorically false, willfully misleading, and legally indefensible. \nA violation of federal and state consumer protection laws that govern dispute handling, regulatory compliance, and fair consumer reporting practices. \nEvidence of Experians systemic abuse of the dispute process to avoid accountability. \nThis behavior constitutes : Regulatory obstruction and noncompliance with CFPB oversight.\n\nMaterial misrepresentation under FCRA 1681i ( a ) and 1681e ( b ).\n\nUnfair and deceptive business practices in violation of the FTC Act ( 15 U.S.C. 45 ).\n\nViolations of the D.C. CPPA and California UCL for deceptive trade practices.\n\nEvery future instance of misrepresentation, fraud designation misuse, or CFPB complaint evasion will be added to an expanding record of regulatory violations and legal breaches.\n\nLegal Consequences Regulatory Violations and Enforcement Actions Any existing, continued, or future reference by Experian to fraud, identity theft, or any other manufactured justification used to improperly close, misclassify, or evade a valid CFPB complaint is : Categorically false, willfully misleading, and legally indefensible. \nA direct violation of federal and state consumer protection laws governing dispute handling, regulatory compliance, and fair consumer reporting practices. \nEvidence of Experians systemic abuse of the dispute process as a strategy to avoid regulatory accountability. \nThis behavior constitutes : Regulatory obstruction and noncompliance with CFPB oversight.\n\nMaterial misrepresentation under FCRA 1681i ( a ) and 1681e ( b ).\n\nUnfair and deceptive business practices in violation of the FTC Act ( 15 U.S.C. 45 ).\n\nViolations of the D.C. CPPA and California UCL for deceptive trade practices.\n\nEvery future instance of fraudulent misclassification, CFPB complaint evasion, or procedural obstruction will be added to an expanding regulatory record for submission to : The Consumer Financial Protection Bureau ( CFPB ) for enforcement review. \nThe Federal Trade Commission ( FTC ) under the Unfair and Deceptive Acts and Practices ( UDAP ) framework.\n\nThe U.S. Department of Justice ( DOJ ) Consumer Protection Branch for fraudulent misrepresentation.\n\nState Attorneys General in Washington , D.C., and California for deceptive trade practices enforcement.\n\nExperians pattern of misconduct is being actively tracked, compiled, and escalated for regulatory enforcement, legal action, and formal oversight investigations. \nExperians Fraudulent Misclassification Reputational Harm, Legal Liability, and Consumer Protection Violations Experians false classification of my disputes as fraud-related creates immediate and long-term reputational harm, legal exposure, and violations of consumer protection laws. A fraud designation, even when baseless, carries significant consequencesaffecting how financial institutions, regulatory bodies, and credit reporting agencies interpret and process my consumer data.\n\nExperians misclassification is not a clerical error ; it is a material misrepresentation that threatens my ability to engage in financial transactions, dispute inaccurate information, and maintain a fair and accurate credit profile. This deliberate misrepresentation exposes Experian to civil liability for defamation, false light invasion of privacy, and violations of federal and state consumer protection statutes.\n\n1. Defamation ( Libel ) False Written Statements That Harm Reputation Experians fraudulent misclassification has the potential to cause direct and substantial harm to my reputation, particularly if : This false classification has been shared with third parties, such as lenders, credit reporting agencies, or financial institutions.\n\nIt remains stored in Experians internal records, increasing the risk that it will be referenced in future disputes, investigations, or consumer reports.\n\nThe misclassification triggers unwarranted fraud-based scrutiny, affecting my ability to access financial services, secure credit approvals, or resolve disputes.\n\nEven if not publicly disclosed, a fraud designation within the CFPB complaint system still creates a reputational risk by interfering with my ability to correct errors on my credit report and engage with regulators.\n\n2. False Light ( Invasion of Privacy ) Creating a Misleading Public Perception Experians false fraud designation misrepresents my character and financial standing, placing me in a misleading and damaging context that could impact future regulatory and financial transactions.\n\nA fraud designation inherently suggests wrongdoing and creates an inaccurate perception that I have engaged in fraudulent activity.\n\nIf lenders, banks, or other institutions treat me differently based on Experians misrepresentation, this could support a false light claim.\n\nExperian has a legal duty to ensure that its classifications of disputes are accurate and not misleading, especially when fraud-related designations carry serious reputational and financial consequences.\n\n3. Defamation by Implication The Harmful Effect of Fraud Designation Even if Experian does not explicitly state that I committed fraud, their fraud classification implies fraudulent activity. This creates serious legal and reputational consequences, as : Fraud-related designations inherently suggest misconduct and can influence how financial institutions assess my credibility.\n\nEven an unsubstantiated fraud claim can trigger heightened scrutiny, denials, and financial restrictions.\n\nExperian has a documented history of misclassifying disputes, further increasing the likelihood that this fraudulent classification will have lasting negative effects.\n\nIf Experian fails to immediately correct this misclassification, it increases the risk that this misinformation will negatively impact my reputation within the CFPB complaint system and my ability to submit lawful disputes against Experian.\n\nBy falsely categorizing my disputes as fraud-related, Experian is creating a misleading regulatory record that could improperly influence dispute outcomes, obstruct my legal rights, and prevent regulatory agencies from conducting an unbiased review of my complaints.\n\n4. Consumer Protection Violations False and Misleading Business Practices Many state and federal consumer protection laws explicitly prohibit false or misleading statements that harm a consumers financial standing, creditworthiness, and reputation. Experians fraudulent classification of my disputes directly violates these protections, including : D.C. Consumer Protection Procedures Act ( D.C. CPPA 28-3904 ) : o Prohibits false representations and material omissions that mislead consumers or interfere with their rights.\n\nCalifornia Unfair Competition Law ( Cal. Bus. & Prof. Code 17200 ) : o Prohibits fraudulent and deceptive business practices that cause reputational harm or financial damage. \nFair Credit Reporting Act ( FCRA ) 1681e ( b ) : o Requires credit reporting agencies to maintain maximum possible accuracy in all consumer records, including disputes and internal classifications.\n\no Experians misclassification of my disputes violates this statutory requirement, making them liable for both negligent and willful noncompliance under FCRA 1681n and 1681o. \nMisclassification of CFPB Complaint ID XXXX Bad-Faith Attempt to Evade Compliance My complaint, CFPB ID XXXX, submitted on XX/XX/year>, was a formal demand for Experian to comply with its legal obligations regarding the suppression of my personal information. This complaint directly responded to Experians XX/XX/year>, at XXXX XXXX  EST email, which mischaracterized my suppression request, falsely invoked identity theft, and imposed baseless procedural hurdles that have no legal foundation under the Fair Credit Reporting Act ( FCRA ), the California Consumer Privacy Act ( CCPA ), or any other applicable law.\n\nExperians response to this complaint falsely assigns a fraud designation where none exists. At no point did I allege fraud, request a fraud alert, or submit any documentation indicating identity theft. This misclassification is a deliberate attempt to obstruct the dispute process, misrepresent the nature of my request, and evade accountability for clear legal violations.\n\nBy falsely categorizing my complaint as fraud-related, Experian is engaging in willful misrepresentation and obstruction, violating multiple federal, D.C., and California consumer protection laws : FCRA 1681i ( a ) Failure to conduct a reasonable reinvestigation.\n\nFCRA 1681e ( b ) Failure to ensure maximum possible accuracy.\n\nFCRA 1681c-2 ( a ) Unlawful refusal to suppress s\nensitive personal information.\n\nD.C. CPPA 28-3904 (\n\ne ) & ( f ) False and material misrepresentations regarding consumer rights. California Consumer Privacy Act ( CCPA ), Cal. Civ. Code 1798.105 Failure to\ncomply with a consumers right to request suppression of personal data.\n\nCalifornia Civil Code 1798.81.5 Failure to implement and maintain reasonable security procedures to protect consumer data.\n\nCalifornia Civil Code 1798.110 Failure to disclose how consumer information is retained and used.\n\nCalifornia Unfair Competition Law ( UCL ), Cal. Bus. & Prof. Code 17200-17210 Engaging in unfair, unlawful, and fraudulent business practices.\n\n15 U.S.C. 1681n & 1681o Willful and negligent noncompliance with federal law.\n\nThis is not an oversightit is a calculated effort to evade regulatory scrutiny and suppress valid consumer claims. Experian must be immediately investigated for : 1. Deliberately misclassifying consumer disputes to evade compliance.\n\n2. Engaging in deceptive practices to obstruct lawful FCRA and CCPA requests.\n\n3. Systematically failing to protect sensitive consumer information as required by law.\n\nGiven Experians ongoing federal investigation for systemic FCRA violations ( CFPB Case No. 8:25-cv-24 ), this misclassification is further proof of their pattern of noncompliance and obstructionist practices. Their fraudulent dispute-handling tactics warrant immediate enforcement action, regulatory fines, and further legal scrutiny by both the CFPB, FTC, and California Attorney General. \nMisclassification of CFPB Complaint ID XXXX Deliberate Evasion of Compliance My complaint, CFPB Complaint ID XXXX, submitted on XX/XX/year>, was a formal notice documenting Experians blatant failure to comply with the 30-day response requirement under FCRA 1681i ( a ) ( 1 ) ( A ) for CFPB Complaint ID XXXX. This was not a disputeit was a regulatory escalation to document Experians statutory violation and continued refusal to comply with federal law.\n\nRather than addressing the clear violation, Experian falsely assigned a fraud designation to my complaint, which has no connection whatsoever to fraud, identity theft, or unauthorized activity. This is not an errorit is a deliberate and calculated attempt to misclassify my complaint to evade enforcement, conceal statutory violations, and obstruct regulatory oversight.\n\nThis type of misclassification is a bad-faith practice that directly violates federal, D.C., and California consumer protection laws, including : FCRA 1681i ( a ) Failure to c\nonduct a reasonable reinvestigation.\n\nD.C. CPPA 28-3904 (\n\ne ) & ( f ) Material misrepresentation and omission of critical facts.\n\nCalifornia Consumer Privacy Act ( CCPA ), Cal. Civ. Code 1798.105 Failure to comply with consumer rights to suppress personal data.\n\nCalifornia Civil Code 1798.81.5 Failure to secure sensitive consumer information.\n\nCalifornia Unfair Competition Law ( UCL ), Cal. Bus. & Prof. Code 17200-17210 Engaging in unfair, unlawful, and fraudulent business practices.\n\n15 U.S.C. 1681n & 1681o Willful and negligent noncompliance.\n\nExperian is knowingly engaging in obstructionist tactics to dismiss valid consumer complaints, conceal clear FCRA and CCPA violations, and evade financial and regulatory penalties. Given that Experian is already under federal scrutiny for systemic FCRA violations ( CFPB Case No.\n8:25-cv-24 ), this misclassification is further evidence of their ongoing pattern of noncompliance and deceptive dispute-handling practices.\n\nDocumented Cases of Experians Fraudulent Misclassification of Disputes The following section provides a detailed list of all CFPB complaints where Experian has falsely classified my disputes as fraud-related or used other deceptive tactics to improperly close out valid complaints. This list will continue to be updated and expanded as additional instances of misconduct are documented. \nList of Affected CFPB Complaints ( all attached ) : Complaint ID Date Filed Date of Experians Fraudulent Classification Description of Misclassification / Evasion Tactic XXXX XX/XX/year> XX/XX/year> @ XXXX XXXX  EST We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. \nXXXX XX/XX/year> XX/XX/year> @ XXXX XXXX  EST We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. \nXXXX XX/XX/year> XX/XX/year> @ XXXX XXXX  EST We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. \nXXXX XX/XX/year> XX/XX/year> @ XXXX XXXX  EST We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. \nXXXX XX/XX/year> XX/XX/year> @ XXXX XXXX  EST We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. \nXXXX XX/XX/year> XX/XX/year> @ XXXX XXXX  EST We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. \nExperians deliberate misclassification of my disputes is not an isolated occurrenceit is part of a broader pattern of systemic misconduct. This fraudulent misclassification strategy is actively being tracked, documented, and compiled into a comprehensive legal and regulatory case. The ongoing documentation of Experians deceptive dispute-handling tactics will be presented in all formal regulatory complaints, legal actions, and enforcement proceedings Experians False Statements on a Federally Regulated Consumer Complaint Platform Violations of Federal, D.C., and California Law Experians deliberate misclassification of my disputes as fraud-related on the Consumer Financial Protection Bureau ( CFPB ) complaint portal is not merely a bad-faith procedural tacticit is an intentional misrepresentation made on a federally regulated platform, with supporting federal fraud reports ( FTC ), in direct violation of federal and state consumer protection and fraud laws.\n\nThis misconduct extends beyond mere procedural noncompliance ; it constitutes a knowing and willful submission of false information to a federal regulatory body regarding an ongoing consumer protection matter. Because these complaints were formally submitted through the CFPBs federally monitored complaint system, Experians actions may amount to : Fraudulent misrepresentation in federal regulatory filings. \nObstruction of a federal consumer protection process. \nDeceptive business practices designed to evade regulatory accountability. \nThese violations warrant immediate regulatory enforcement and legal action to ensure that Experian is held accountable for submitting false and misleading information on a federally monitored platform. \nLegal Violations Why This is a Major Federal Issue By knowingly submitting false information on a federal consumer protection platform and misrepresenting the nature of my disputes, Experian has violated multiple laws across federal, D.C., and California jurisdictions, including : 1. Federal Law Violations 18 U.S.C. 1001 False Statements to a Federal Agency o This statute makes it a federal crime to knowingly and willfully make false, fictitious, or fraudulent statements in matters within the jurisdiction of a U.S. federal agency.\n\no The CFPB complaint system is a federal regulatory platform, and Experians false classification of my complaints directly misleads a federal agency regarding their legal obligations under the Fair Credit Reporting Act ( FCRA ).\n\n15 U.S.C. 45 ( FTC Act ) Unfair and Deceptive Acts and Practices ( UDAP ) o The FTC Act prohibits deceptive business practices, including false representations made in regulatory filings, consumer disclosures, or complaint responses.\n\no Experians fraudulent misclassification directly interferes with my rights as a consumer and obstructs the regulatory process intended to protect me from Experians violations.\n\nFCRA 1681n Willful Noncompliance with Federal Law o The Fair Credit Reporting Act imposes liability for willful violations, including misrepresentations that obstruct a consumers right to a fair and lawful investigation.\n\no Experians intentional misclassification of my complaints as fraud-related when they are not constitutes willful noncompliance, which allows me to pursue statutory and punitive damages.\n\nFCRA 1681s ( a ) ( 2 ) Duty to Provide Accurate Information to Regulators o Consumer reporting agencies are legally required to provide truthful and accurate information to federal regulators regarding disputes and complaint resolutions.\n\no Experians misrepresentation of my complaint status as fraud-related is an explicit violation of this requirement.\n\n2. Washington, D.C. Law Violations D.C. Consumer Protection Procedures Act ( D.C. CPPA ) 28-3904 ( e ) & ( f ) False and Misleading Statements o The D.C. CPPA prohibits material misrepresentations and omissions of consumer rights, particularly in transactions involving consumer credit and reporting agencies.\n\no Experians fraudulent misclassification on the CFPB portal constitutes : A material misrepresentation of my dispute status to avoid legal compliance.\n\nA deceptive business practice intended to obstruct regulatory enforcement.\n\nD.C. Identity Theft Protection Act 22-3227.02 ( a ) Duty to Protect Personal Information o Experians fraudulent reclassification of my dispute as fraud-related contradicts the evidence I submitted and increases my exposure to further identity verification risks.\n\no This false designation may also interfere with my ability to take corrective action on my credit report by forcing unnecessary identity theft-related procedures upon me.\n\n3. California Law Violations California Consumer Privacy Act ( CCPA ) Cal. Civ. Code 1798.110 & 1798.130 o The CCPA requires that businesses provide consumers with accurate records of how their information is used and reported.\n\no Experians false classification of my dispute as fraud-related violates my CCPA rights by misrepresenting the nature of my requests and failing to provide transparency regarding how my information is being processed.\n\nCalifornia Unfair Competition Law ( UCL ) Cal. Bus. & Prof. Code 17200-17210 o The UCL prohibits unfair, unlawful, and fraudulent business practices, including : Submitting false or misleading information to regulators ( CFPB ).\n\nObstructing lawful consumer complaints through deception.\n\no Experians misrepresentation directly violates this law and exposes them to state enforcement penalties.\n\nCalifornia Civil Code 1798.81.5 Failure to Secure Consumer Data o Experians fraudulent dispute classification places me at risk for further unnecessary fraud investigations while failing to address their obligations to suppress my personal data properly.\n\no By misrepresenting my dispute as fraud-related, Experian has actively failed in its duty to ensure the responsible handling of my personal information.\n\nWhy This is a Major Regulatory and Legal Issue Experians false statements on the CFPB portal, especially when FTC fraud reports were attached to my complaints, expose several layers of liability : 1. Obstruction of a Federal Consumer Protection System o The CFPB portal is a federal enforcement tool that relies on truthful submissions to regulate credit reporting agencies. \no By knowingly submitting false information, Experian is undermining the integrity of a federal system designed to enforce consumer protection laws.\n\n2. Attempted Evasion of Regulatory Penalties o Experians misclassification is a strategic attempt to avoid liability under FCRA, the D.C. CPPA, and CCPA.\n\no By labeling my complaints as fraud-related, they are creating a false justification for noncompliance with consumer protection laws.\n\n3. Denial of My Consumer Rights Under Multiple Laws o Misrepresenting my dispute obstructs my right to a fair reinvestigation under FCRA 1681i ( a ), which ensures consumers have access to proper dispute resolution.\n\no Deceptive classification tactics directly interfere with my right to privacy and accuracy under both the D.C. and California consumer protection statutes. \nExperian has demonstrated a systemic and deliberate strategy of deception that is not only ethically indefensible but legally actionable. Their fraudulent misclassification of disputes on a federally regulated complaint platform, combined with the presence of attached FTC fraud reports, constitutes a direct attack on the integrity of the regulatory system designed to protect consumers. \nExperians Fraudulent Dispute Misclassification Aligns with the CFPBs Federal Lawsuit Systemic Pattern of Consumer Deception Experians misclassification of my disputes as fraud-related on the CFPB complaint portal is not an isolated eventit is part of a broader pattern of deceptive business practices that aligns directly with the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian ( Case No. 8:25-cv-24 ). This lawsuit highlights Experians long-standing violations of consumer protection laws, including its failure to properly investigate disputes, its use of misleading consumer disclosures, and its obstruction of consumer rights.\n\nThe CFPBs case against Experian provides clear evidence that Experian has engaged in systemic misconduct, and my case directly reinforces the allegations raised in the lawsuit.\n\nKey Allegations in CFPB v. Experian ( Case No. 8:25-cv-24 ) That Align with My Complaints The CFPB lawsuit against Experian identifies multiple patterns of deceptive and unlawful behavior that match exactly what I have experienced. These include : 1. Fraudulent Dispute Handling and Misclassification of Consumer Complaints The CFPB has accused Experian of : o Misrepresenting how consumer disputes are processed.\n\no Failing to conduct proper investigations.\n\no Using misleading classifications to avoid compliance with the Fair Credit Reporting Act ( FCRA ).\n\nThis is exactly what Experian did in my casemisclassifying my legitimate dispute as fraud-related to evade their legal obligations.\n\n2. Obstruction of Consumer Rights Under the FCRA The CFPB lawsuit details how Experian obstructs consumer efforts to correct their credit reports by : o Providing inaccurate dispute responses.\n\no Imposing unnecessary procedural barriers.\n\no Failing to provide consumers with accurate information about their disputes.\n\nExperian obstructed my rights in the same way by falsely claiming my dispute was fraud-related, knowing that this would delay or prevent a proper resolution.\n\n3. Knowingly Providing False and Misleading Information to Consumers and Regulators The CFPB has accused Experian of : o Misrepresenting its dispute process to consumers and federal regulators.\n\no Providing misleading or incomplete information about dispute resolutions.\n\no Manipulating consumer complaint responses to minimize liability.\n\nExperians false fraud designation on my CFPB complaints is another clear example of this type of misconduct.\n\nThey knowingly submitted false information to a federal platform ( CFPB ) while attached FTC fraud reports were present, making this a serious violation.\n\n4. Violations of Federal Consumer Protection Laws, Including the FCRA and UDAP The CFPB lawsuit charges Experian with : o Failing to comply with FCRA 1681i ( a ) by not properly investigating disputes.\n\no Engaging in unfair and deceptive acts and practices ( UDAP ) under federal law.\n\no Providing misleading information in federally monitored complaint systems.\n\nThis mirrors what Experian did in my caseknowingly filing false dispute classifications in a federal consumer complaint system.\n\nMy Dispute Experience is Direct Proof That Experians Violations Are Ongoing Experians actions in my experience provide real-time, documented proof that they are still engaging in the misconduct outlined in CFPB v. Experian ( Case No. 8:25-cv-24 ). Their fraudulent misclassification of my dispute is an escalation of their deception, as it involves knowingly submitting false information to a federal complaint system. The CFPB, FTC, and state regulators must act swiftly to prevent further consumer harm and impose additional financial penalties for these violations.\n\nExperians systemic pattern of misrepresentation, obstruction, and deception is now well-documented in both the CFPBs lawsuit and my direct complaints. The next step must be immediate regulatory enforcement to hold them accountable for their continuous abuse of consumer rights and the law.\n\nImmediate Corrective Action Required to Prevent Further Harm Given the serious risk of reputational damage, obstruction of lawful disputes, and regulatory harm, Experian must take immediate corrective measures to ... .... CONTINUE READING FULL COMPLAINT AT \" Formal Response to Experians Mischaracterization of Dispute Demand for Compliance.PDF ''","date_sent_to_company":"2025-03-18T03:27:31.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20008","tags":null,"has_narrative":true,"complaint_id":"12540877","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-18T03:17:48.000Z","state":"DC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["Ongoing Documentation of Experians Misconduct Systemic Pattern of Regulatory <em>Evasion</em> I am actively tracking, documenting, and cataloging every instance <em>where</em> Experian fraudulently applies a fraud classification or any other manufactured justification to improperly close out valid CFPB complaints. This includes, but is not limited to : Each instance <em>where</em> Experian misclassifies my CFPB complaints as fraud-related to evade directly addressing the substantive issues raised in the disputes."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[11.720887,"12540877"]},{"_index":"complaint-public-v1","_id":"13559754","_score":11.112738,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against Experian Information Solutions , Inc. ( \" Experian '' ) for its persistent and unlawful failure to properly investigate consumer disputes, including my own, resulting in the continued presence of inaccurate information on my credit report. These actions constitute violations of my rights under the Fair Credit Reporting Act ( FCRA ) and demonstrate a pattern of unfair and deceptive practices.\n\nFor approximately ten years, I have been a victim of Experian 's flawed policies and inadequate investigation procedures. I have repeatedly attempted to correct errors on my credit file and have requested that Experian contact my credit grantors to verify disputed information. Despite these efforts, Experian has consistently failed to conduct meaningful investigations, leading to my Experian credit report often reflecting a lower standing compared to those from the other two major credit reporting agencies.\n\nMy direct experiences with Experian 's dispute process highlight their systemic failures : Initial Dispute Met with Superficial Verification : Upon submitting a dispute clearly outlining inaccuracies on my report, Experian responded by stating that the information was simply \" verified. '' This response lacked any detail about the investigative process and suggests an uncritical acceptance of the furnisher 's initial data, rather than a thorough review as mandated by the FCRA.\n\nEvasion When Investigative Details Demanded : When I subsequently demanded that Experian provide details of the investigative measures taken to \" verify '' the disputed information, they employed a stalling tactic. Experian claimed my account could not be verified, and therefore, they could not disclose any investigative steps or presumably conduct a proper investigation in the first place. This directly contradicts their earlier claim of having \" verified '' the information and serves as a clear obstruction to my rights.\n\nRejection of Authenticated Identity : In a further attempt to ensure my dispute was processed, I sent a third communication which included a copy of my state-issued ID ( matching my current address on file with Experian ) and took the extraordinary step of having the letter notarized to authenticate my identity. Shockingly, this was met with what appeared to be an automated email stating that no action could be taken because the dispute \" did not appear to come from me. '' This absurd response, in the face of irrefutable proof of identity, demonstrates that Experian is not conducting proper, good-faith investigations and is instead relying on processes designed to frustrate consumer rights.\n\nThese personal experiences are clear evidence that no one at Experian is conducting a proper or reasonable investigation into consumer files, including my own.\n\nI am alleging that I have been subjected to Experian 's years-long pattern of violating consumer rights. I wish for this complaint to be recognized and, where applicable, for my experience to be considered in relation to any ongoing or future class action lawsuits against Experian for its unlawful acts.\n\nExperian has unlawfully failed to properly investigate consumer disputes. I allege that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. As the Consumer Financial Protection Bureau ( CFPB ) has noted, inaccurate or false information on consumer reports can threaten consumers ' access to credit, employment, and housing.\n\nThe CFPB has previously stated that when consumers disputed errors on their credit reports, \" Experian conducted sham investigations rather than properly reviewing the disputes as required by federal law. '' My experiences, detailed above, are a direct reflection of these \" sham investigations. '' Credit reporting errors can have serious consequences for a family 's finances, and it is critical that credit reporting giants like Experian follow the law.\n\nExperian, one of the nation 's three largest credit reporting conglomerates, maintains information on most families in America. It markets, advertises, sells, offers, and provides credit scores, credit reports, credit monitoring, and other related products. Information in consumer reports is provided to Experian by data furnishers, including banks, credit card companies, and debt collectors. Experian then sells these consumer reports to creditors and businesses.\n\nThe Fair Credit Reporting Act ( FCRA ) unequivocally requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct reasonable investigations of information disputed by consumers. The FCRA provides multiple ways for individuals to dispute inaccurate information, including by contacting consumer reporting agencies directly. The FCRA also mandates specific procedures before reinserting information previously removed due to a dispute.\n\nThe CFPB has alleged that Experian has violated the FCRAs requirements for handling consumer disputes in numerous ways. Specifically, the CFPBs allegations resonate with my own experiences, asserting that Experian harms consumers by : Conducting sham investigations that fail to properly address consumer disputes : My experience shows that Experian uses faulty intake procedures ( e.g., rejecting notarized identification ) and does not accurately convey or act upon all relevant information about disputes. Experian routinely and uncritically accepts the original furnishers response, as evidenced by their \" verified '' claim without substantial investigation, even when circumstances ( like my persistent disputes and provision of identity verification ) should trigger a more thorough review. The notices I received from Experian failed to inform me of any meaningful investigation results and were instead confusing, contradictory, and obstructive.\n\nImproperly reinserting inaccurate information on consumer reports ( if applicable, or a general concern about their processes ) : While not explicitly detailed in my immediate points above, Experian 's documented failure to implement basic matching tools that prevent or greatly reduce the likelihood of reinsertion by a new furnisher of a previously deleted tradeline is a grave concern. Their system allows inaccurate information to reappear, compounding consumer frustration.\n\nIn addition to violating FCRA requirements, Experians faulty dispute intake procedures, its failure to provide furnishers with consumer-submitted documentation ( or to properly consider it themselves ), its uncritical deference to furnishers responses, and its failure to prevent improper tradeline reinsertions also constitute violations of the Consumer Financial Protection Acts ( CFPA ) prohibition on unfair acts or practices.\n\nDemands : I demand that Experian immediately : Conduct a thorough, transparent, and verifiable investigation into the inaccuracies previously disputed on my credit report, considering all information I have provided.\n\nProvide me with a detailed written description of the steps taken in this new investigation.\n\nRemove all inaccurately reported information from my credit file.\n\nImplement procedures to ensure that its handling of consumer disputes, including mine, complies fully with the FCRA and CFPA.\n\nI am seeking to stop Experian 's unlawful conduct, to receive redress for the harm caused by their actions, and for appropriate penalties to be levied against them for their systemic disregard of consumer rights. I intend to pursue all available legal remedies if this matter is not resolved satisfactorily.","date_sent_to_company":"2025-05-16T18:47:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60620","tags":null,"has_narrative":true,"complaint_id":"13559754","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-16T18:27:10.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The <em>FCRA</em> provides multiple ways for individuals to dispute inaccurate information, including by contacting <em>consumer</em> reporting agencies directly. The <em>FCRA</em> also mandates specific procedures before reinserting information previously removed due to a dispute.\n\nThe CFPB has alleged that Experian has violated the <em>FCRAs</em> requirements for handling <em>consumer</em> disputes in numerous ways."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[11.112738,"13559754"]},{"_index":"complaint-public-v1","_id":"12646259","_score":10.586032,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX To : Transunion Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Securities and Exchange Commission ( SEC ) Federal Communications Commission ( FCC ) Office of the Comptroller of the Currency ( OCC ) National Association of Attorneys General ( NAAG ) U.S. Department of Justice ( DOJ ) Civil Division DOJ Consumer Protection Branch ( CPB ) RE : Request for Immediate Federal and Multi-State Enforcement Against TransUnion for Systemic Violations of Federal and State Consumer Protection Laws and Obstruction of FCRA Rights I am submitting this formal enforcement referral regarding TransUnion for violating federal and state consumer protection statutes through fraudulent suppression of disputes, evasion of regulatory timelines, failure to properly process consumer dispute claims, and provision of deceptive and misleading responsesall in violation of their statutory obligations under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( CFPA ), and corresponding D.C., Pennsylvania, Illinois, and New York consumer protection laws.\n\nThis referral is supported by an attached, sworn and notarized Affidavit of Truth ( AOT ), which affirms under penalty of perjury the factual accuracy of the allegations and evidentiary timeline presented, and by a formal Federal Trade Commission ( FTC ) Fraud Report, filed to document TransUnions systemic deception and noncompliance under 15 U.S.C. 45. These documents are included to establish factual basis, sworn attestation, and prior regulatory notification. \nAlso attached are letters, received from TransUnion on XX/XX/XXXX in the same envelope, labeled here as XXXX and XXXX, serve as critical evidence of ongoing violations. \nTransUnions Deliberate Failure to Link Communications to Specific Disputes Both Letter XXXX ( Re : Dispute Status ) and Letter XXXX ( Re : Explanation of the Inquiries on Your Credit Report ) were received by me on the same day in the same envelope but fail to identify which dispute or CFPB Complaint ID they address. This is not a clerical oversightit is a recurring practice that : 1. Obstructs consumer understanding of dispute outcomes under FCRA 1681i ( a ) ( 6 ) ( B ), which mandates that CRAs clearly disclose the results of each reinvestigation.\n\n2. Denies procedural transparency by omitting essential identifiers such as : o Dispute subject ( e.g., creditor name or inquiry source ), o Filing date, o Outcome reasoning, o Reinsertion notifications or suppression confirmations.\n\nBy sending generic, ambiguous letters disconnected from any specific complaint, TransUnion has : Frustrated regulatory oversight by making it impossible for agencies like the CFPB to trace outcomes back to specific complaints. \nCompromised consumer recordkeeping, which is essential to maintaining accountability and exercising legal remedies. \nConstructively evaded enforcement by preventing both consumers and regulators from matching TransUnions responses to statutory timelines or legal obligations under pending complaints.\n\nThis lack of linkage directly violates : FCRA 1681i ( a ) ( 7 ) : Failure to describe the procedure used for each reinvestigation.\n\n15 U.S.C. 45 : As a deceptive business practice that creates the illusion of compliance without actual transparency.\n\nState-level statutory requirements in D.C., Pennsylvania, Illinois, and New York , all of which recognize misrepresentation and omission as violations of consumer protection laws.\n\nThis is especially egregious given that I currently have four active CFPB complaints pending against TransUnion : XXXX ( submitted XX/XX/XXXX ) XXXX ( submitted XX/XX/XXXX ) XXXX ( submitted XX/XX/XXXX ) XXXX ( submitted XX/XX/XXXX ) Their responses reflect no effort to identify which, if any, of those complaints they purport to resolvedespite statutory obligations and federal mandates requiring such disclosures in dispute communications. \nAccordingly, I request that this pattern be investigated as a systemic obstruction of due process and be treated as an aggravating factor in any penalties, injunctive relief, or criminal referrals imposed by your offices. \nBreakdown of TransUnion 's Letters and Conduct Letter XXXX : \" Re : Dispute Status '' TransUnion asserts that an item I disputed does not currently appear on my credit report and offers no additional details as to : What item was under review.\n\nWhether any investigation took place. \nWhether the item was previously present, deleted, or never existed.\n\nNo dispute summary, reinvestigation process, or conclusion was disclosed, despite this being required by law.\n\nViolations : 1. FCRA 1681i ( a ) ( 6 ) ( B ) : TransUnion failed to clearly communicate the results of the reinvestigation. The response is conclusory, vague, and materially omits the substance of the outcome.\n\n2. FCRA 1681i ( a ) ( 7 ) : TransUnion failed to provide a description of the procedure used to investigate the dispute.\n\n3. 15 U.S.C. 45 ( FTC Act ) : The response constitutes a deceptive business practice, creating the illusion of compliance while omitting material facts.\n\n4. D.C. CPPA 28-3904 ( f ) & ( e ) : This conduct involves material omissions and misrepresentations about the status and handling of a consumer complaint.\n\n5. Pennsylvania Unfair Trade Practices and Consumer Protection Law, 73 P.S. 201-2 ( 4 ) ( v ), ( xxi ) : Misleading or deceptive conduct likely to confuse a reasonable consumer about their rights or TransUnion 's obligations.\n\n6. Illinois Consumer Fraud and Deceptive Business Practices Act, 815 ILCS 505/2 : TransUnion engaged in unfair and deceptive conduct by failing to properly identify what was being investigated.\n\n7. New York General Business Law 349 : TransUnions failure to disclose dispute findings misleads consumers regarding their credit records and legal rights. \nLetter XXXX : \" Re : Explanation of the Inquiries on Your Credit Report '' TransUnion defended the presence of inquiries based on permissible purpose under FCRA, without identifying the creditor, account, inquiry date, or the basis for assuming authorization. This is a generic form response without tailoring or acknowledgment of the specific dispute submitted.\n\nNotably, TransUnion refused to investigate the inquiry, despite having received a formal dispute that challenged an inquirys legitimacy, see CFPB Complaint ID XXXX. \nViolations : 1. FCRA 1681i ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation into disputed inquiries.\n\n2. FCRA 1681i ( a ) ( 2 ) : Failure to forward all relevant information about the dispute to the furnisher of the inquiry.\n\n3. FCRA 1681c-2 ( a ) : Failure to block information resulting from fraud, where identity misattribution was raised.\n\n4. FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy where the source or legitimacy of inquiries remains unclear or contested.\n\n5. D.C. CPPA 28-3904 ( f ) & ( e ) : Misrepresenting rights related to dispute of inquiries and permissible purpose.\n\n6. Pennsylvania 73 P.S. 201-2 ( 4 ) ( v ), ( xxi ) : TransUnions refusal to investigate potential unauthorized inquiries constitutes deceptive conduct.\n\n7. Illinois 815 ILCS 505/2 : Failure to explain the inquiry in context constitutes concealment and misrepresentation of consumer credit activity.\n\n8. New York GBL 349 : TransUnions refusal to properly handle a dispute concerning inquiries misrepresents the consumers right to challenge inaccuracies.\n\nLegal Basis for Enforcement Federal Statutory Violations : FCRA 1681i ( a ) ( 1 ), ( 2 ), ( 6 ), ( 7 ), 1681e ( b ), 1681c-2 ( a ) 15 U.S.C. 1681n ( willful noncompliance ), 1681o ( negligent noncompliance ) 15 U.S.C. 45 ( unfair and deceptive acts and practices under the FTC Act ) Criminal Conduct Warranting DOJ Review : 18 U.S.C. 1001 : False statements or material omissions in regulatory disclosures.\n\n18 U.S.C. 1343 ( Wire Fraud ) : Communications made with intent to defraud through omissions or deceptive resolution letters.\n\n18 U.S.C. 1962 ( RICO ) : Pattern of deceptive conduct and evasion of lawful regulatory process with commercial gain.\n\nPattern of Evasion, Misrepresentation, and Systemic Risk TransUnions conduct reflects more than isolated oversightit reveals a deliberate and coordinated pattern of regulatory evasion, legal misdirection, and procedural suppression of consumer rights. The companys repeated failure to provide dispute results that are linked, transparent, or complete represents not only noncompliance with statutory mandates, but an intentional effort to frustrate consumer remedies and obstruct regulatory scrutiny. \nBy sending vague, unlinked letters in response to active legal complaintseach omitting dispute identifiers, outcomes, or investigation detailsTransUnion is : Creating the false appearance of compliance while actively circumventing FCRA and CFPA procedural obligations.\n\nAvoiding accountability by denying consumers and regulators the ability to audit or verify whether statutory timelines and investigation duties were met.\n\nSuppressing dispute clarity in a way that weakens the CFPBs ability to monitor patterns across complaints and undermines multi-agency oversight.\n\nThis behavior is not unique to a single incidentit has emerged across multiple complaints, through multiple letters, involving distinct issues such as inquiry legitimacy, personal information suppression, and permissible purpose disputes. When paired with sworn documentation ( Affidavit of Truth ), an FTC fraud report, and active CFPB complaints, this reveals a structure of willful obstruction and legal misrepresentation that can not be resolved through informal channels alone. \nGiven the volume of unresolved complaints, the absence of meaningful engagement, and the critical role TransUnion plays in the national financial infrastructure, these violations expose both consumers and institutions to systemic risk. Enforcement is not merely appropriateit is required to preserve the integrity of the credit reporting system.\n\nPrior Enforcement History and Regulatory Pattern TransUnions current conduct can not be viewed in isolation. In 2017, the Consumer Financial Protection Bureau issued a Consent Order against TransUnion for engaging in deceptive marketing practices and misrepresentations about the usefulness and cost of credit scores and reports. That action resulted in {$13.00} million in restitution and a {$3.00} million civil penalty. More recently, TransUnion has also faced repeated scrutiny for its handling of disputes, failure to maintain accurate consumer information, and use of evasive communications to avoid accountability.\n\nThe pattern of conduct I am reportinggeneric responses, failure to tie dispute outcomes to specific CFPB complaint IDs, suppression of reinvestigation detail, and misrepresentation of permissible purposeis not new. It reflects a continued and willful disregard for statutory compliance, even after having been placed under consent decree and federal supervision. \nGiven this history, I respectfully request that regulators treat this matter as part of an ongoing systemic noncompliance pattern, and not as a one-off violation. Enforcement actions should reflect that TransUnion has had ample opportunity to correct its processes and has instead doubled down on opaque, deceptive, and obstructive tactics.\n\nSupporting Case Law The following federal appellate and district court decisions reinforce the legal arguments presented above and confirm that the conduct exhibited by TransUnionranging from failure to reinvestigate to deceptive dispute communicationshas been previously adjudicated as unlawful under the FCRA. These cases establish binding and persuasive precedent that : 1. Willful and negligent violations of the FCRA carry statutory and compensatory liability ; 2. Reinvestigations must be meaningful, not perfunctory ; and 3. Patterned noncompliance and vague responses constitute actionable failures that expose CRAs to enforcement and judicial remedy.\n\nEach case cited below illustrates the legal threshold for compliance and underscores how TransUnions actions meet or exceed the level of misconduct required to justify regulatory and judicial intervention. \nXXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Willful FCRA violations include reckless disregard for legal duties. \nXXXX. XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Reinvestigation must go beyond parroting the furnishers response. \nXXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Negligent or minimal FCRA reinvestigation procedures result in liability. \nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) CRA must ensure accuracy under 1681e ( b ). \nXXXX. XXXX v. Trans Union XXXX XXXX. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Pattern of inaccuracies supports systemic noncompliance. \nXXXX. XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( C.D. XXXX. XXXX XXXX, XXXX ) Failure to block disputed data under FCRA 1681c-2 ( a ) was actionable. \nXXXX. XXXX v. XXXX, XXXX XXXX XXXX ( XXXX. XXXX XX/XX/XXXX ) Vague or generic response letters violate reinvestigation obligations.\n\nRequest for Immediate Action Based on the conduct described in TransUnions letters and its failure to meet its legal obligations under federal and state law, I request the following : 1. A m\nulti-agency investigation into TransUnions systemic FCRA and CFPA violations.\n\n2. Civil monetary penalties and injunctive relief imposed under the CFPBs UDAAP authority and the FTC Act.\n\n3. Referral to DOJ for potential criminal charges under 18 U.S.C. 1001 and 18 U.S.C. 1343 based on deceptive regulatory correspondence.\n\n4. State Attorney General coordination through NAAG to evaluate violations under D.C., PA, IL, and NY consumer protection statutes.\n\n5. Review by the SEC regarding TransUnions public disclosures and risk reports, in light of growing FCRA liabilities.\n\n6. FCC inquiry into misuse of consumer data across communication channels, particularly if auto-dispute responses originate from third-party integrations.\n\n7. An order compelling TransUnion to lawfully fulfill its statutory obligations under the Fair Credit Reporting Act and Consumer Financial Protection Act by issuing complete, timely, and specific responses to my currently open CFPB complaints : XXXX ( submitted XX/XX/XXXX ), XXXX ( submitted XX/XX/XXXX ), XXXX ( submitted XX/XX/XXXX ), XXXX0 ( submitted XXXX XXXX XXXX ), This includes : i ) Identification of each disputed item, ii ) A clear statement of the outcome, iii ) A description of the reinvestigation procedures used, and iv ) Delivery of these results within the mandated statutory timeframe.\n\n( a ) TransUnions failure to do so constitutes an ongoing violation of FCRA 1681i ( a ) ( 6 ) ( B ) and 1681i ( a ) ( 7 ), and further obstructs regulatory review by the CFPB and other oversight bodies.\n\nI am prepared to submit additional documentation, sworn statements, and certified dispute filings supporting each claim described herein. I am also willing to cooperate with any federal or state agency conducting further review. \nRespectfully, XXXX XXXX XXXX Attachments : Sworn and Notarized Affidavit of Truth FTC Fraud Report : XXXX","date_sent_to_company":"2025-03-24T09:14:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20008","tags":null,"has_narrative":true,"complaint_id":"12646259","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-24T09:10:32.000Z","state":"DC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["<em>FCRA</em> 1681i ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation into disputed inquiries.\n\n2. <em>FCRA</em> 1681i ( a ) ( 2 ) : Failure to forward all relevant information about the dispute to the furnisher of the inquiry.\n\n3. <em>FCRA</em> 1681c-2 ( a ) : Failure to block information resulting from fraud, <em>where</em> identity misattribution was raised.\n\n4. <em>FCRA</em> 1681e ( b ) : Failure to ensure maximum possible accuracy <em>where</em> the source or legitimacy of inquiries remains unclear or contested.\n\n5. D.C."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[10.586032,"12646259"]},{"_index":"complaint-public-v1","_id":"9850478","_score":9.824059,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Early Warning Services is a XXXX XXXX practicing unethical and predatory practices. These practices include the selling or trading of one my consumer report, consumer disclosure file, and nonpublic personal information to persons who create securities. I am witnessing securities fraud in real time. Early Warning is not concerned with the fact that having any type of consumer report securitized exposes peoples ' nonpublic personal information to security breaches and data breaches which increases the risk of identity theft and fraud. Early Warning is not concerned with the fact that regulators have implemented rules and regulations to protect consumer data and prevent misuse. Early Warning steals our information and then deny people the right to a security freeze, their consumer report, and their right to their consumer disclosure file, not to be confused with the credit/consumer report, but the consumer disclosure file. I never gave them authorization to give, sell, or trade my nonpublic personal information, my consumer report, or my consumer disclosure file. Also, I never received a privacy notice, nor will they supply the original one with my signature. \nI never gave Permission to Early Warning Services, XXXX, any parent company, co-owner, or subsidiary to securitize, sell or trade my consumer report, consumer disclosure file, and nonpublic personal information. Show me where I said you could sell or trade my reports, my files, and my nonpublic personal information and not give me the proceeds from the millions of dollars that are profited off of these securities. By trading these securities on the secondary market, the persons who traded these securities become guilty of securities fraud, tax evasion, racketeering, money laundering and others. This scheme that Early Warning took part in, with the intent to defraud, was intentional, deliberate, and voluntary, rather than by mistake, accident, or carelessness which makes them liable u\n\nnder 18 USC 1348. Indiana Code Section 24-5-24 of the Indiana Code allows Indiana residents to place a security freeze on their consumer reports. FCRA 605A 15 U.S.C. 1681c-1 (\ni ) ( 2 ) ( A ) says you must put a security freeze on consumer reports.\n\nEarly Warning Services credit reporting agency is operating in accordance with the FCRA according to your website. web page XXXX XXXXwww.earlywarning.comXXXX  : This is a direct quote takin from your website. \n\" Early Warning supports consumers ' rights to dispute and correct inaccurate or incomplete information that has been furnished to Early Warning in accordance with the Fair Credit Reporting Act ( FCRA ). '' I demand Early Warning, and its subsidiaries put a Security Freeze on any and all credit reports and any and all Consumer Disclosure Files that is in my name. To be effective immediately and indefinitely. A confirmation will be sent by mail or email. Security Freeze restricts credit bureaus, creditors, potential employers, XXXX, subsidiaries, parent companies, co-owners ect. Under the Fair Credit Report Act you are required to comply. \nIndiana Code Section 24-5-24 shall place a security freeze on the consumer 's consumer report not later than five ( 5 ) business days after receipt of the request. Not later than ten ( 10 ) business days after receiving a request for a security freeze shall issue to the consumer a written confirmation that a security freeze has been placed on the consumer 's consumer report. \nFCRA 605A Identity theft prevention ; fraud alerts and active duty alerts 15 U.S.C. 1681c-1 ( i ) ( 2 ) ( A ) In general. Upon receiving a direct request from a consumer that a consumer reporting agency place a security freeze, and upon receiving proper identification from the consumer, the consumer reporting agency shall, free of charge, place the security freeze not later than - ( ii ) in the case of a request that is by mail, XXXX business days after receiving the request directly from the consumer. \nFCRA 605A 15 U.S.C. 1681c-1 ( i ) ( 2 ) ( B ) Confirmation and additional information. Not later than XXXX business days after placing a security freeze under subparagraph ( A ), a consumer reporting agency shall - ( i ) send confirmation of the placement to the consumer. \n15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply is liable to that consumer in an amount of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.\n\nI Opt Out of any future information reporting. I rescind and revoke any and all authorization I may have given whether the authorization were implied, directly given, indirectly given, or otherwise per 16 CFR 313.7, 15 USC 6802, 12 CFR 1016.7. To be effective immediately and indefinitely. \nThe FBI defines Identity theft : Wrongfully obtaining and using another person 's personal data ( e.g., name, date of birth, Social Security number, driver 's license number, credit card number ). \nThe US Department of Justice defines Identity theft and identity fraud are terms used to refer to all types of crime in which someone wrongfully obtains and uses another person 's personal data in some way that involves fraud or deception, typically for economic gain. \nXXXX Indiana Code \" Identity Theft '' IN Code 35-40-14-1 ( 2023 ) Sec . 1. As used in this chapter, \" identity theft '' means : ( 1 ) identity deception ( IC 35-43-5-3.5 ) ; or ( 2 ) synthetic identity deception ( IC 35-43-5-3.8 ) identity deception ( IC 35-43-5-3.5 ) -a person with intent to harm or defraud another person, knowingly or intentionally obtains, possesses, transfers, or uses identifying information to profess to be another person, a Level 6 felony.\n\n18 U.S. Code 1028A - Aggravated identity theft, Public Law 108-275 ( 118 STAT. 831 ) ( a ) ( 1 ) In general - Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. \nI WILL ONLY RESPOND MY MAIL OR EMAIL SO I CAN HAVE A PAPER TRAIL OF NON-COMPLIANCE.","date_sent_to_company":"2024-08-19T21:33:55.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"46619","tags":null,"has_narrative":true,"complaint_id":"9850478","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2024-08-19T20:39:23.000Z","state":"IN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Show me <em>where</em> I said you could sell or trade my reports, my files, and my nonpublic personal information and not give me the proceeds from the millions of dollars that are profited off of these securities. By trading these securities on the secondary market, the persons who traded these securities become guilty of securities fraud, tax <em>evasion</em>, racketeering, money laundering and others."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[9.824059,"9850478"]},{"_index":"complaint-public-v1","_id":"17224066","_score":9.293034,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"As detailed in my original CFPB complaint, I previously emailed XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( President of World Omni Financial Corp ), and XXXX XXXX ( Executive Escalations ) outlining the ongoing fraudulent and retaliatory credit reporting on my XXXX XXXX XXXX loan. I clearly identified : XXXX. Specific FCRA violations, XXXX. Evidence of harm and false data furnishing, XXXX. A formal request for correction and fair compensation, and XXXX. My intent to escalate to the CFPB, federal oversight, and civil litigation if unresolved. \n\nCorporate Response to me asking them to correct their errors that have harmed me for over XXXX and half years : On XX/XX/XXXX at XXXX XXXX, I received an email from XXXX XXXX confirming receipt of my demand and stating they had completed their investigation and would only discuss further by phone for privacy reasons. She attempted to recall the email XXXX minute later at XXXX XXXX. \n\nI immediately followed up with a Final Demand for FCRA Retaliation and Credit Reporting Violations, copied to : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX ( as forwarded internally by XXXX XXXX ). No one responded to my email, but there was an immediate response from them to XXXX  as evidenced by my email from XXXX  - XXXX minutes later. \n\nRetaliation Timeline : Within XXXX minutes of XXXX message and my Final Demand, I received a notice from XXXX  on XX/XX/XXXX at XXXX XXXX  stating that XXXXWorld Omni had re-verified and re-added inaccurate information to my credit report that had previously been removed despite having no legal basis to do so and no investigation summary. \n\nAfter CFPB Filing : On XX/XX/XXXX at XXXX XXXX, I filed my formal CFPB complaint. \n\nOn XX/XX/XXXX, XXXX XXXX XXXX mailed a letter to me acknowledging the complaint, but again requesting I call them directly by phone rather than communicating through CFPBs documented and regulated portal. \n\nThis is a clear attempt to : 1. Divert communication off-record 2. Avoid written accountability XXXX. Evade regulatory oversight Given that this pattern has now occurred repeatedly, I assert that : XXXX/World Omnis actions constitute retaliatory credit reporting in violation of the FCRA ( 15 U.S.C. 1681s-2 ( b ) ), 1. They have failed to perform a reasonable investigation after receiving multiple disputes and formal notice, 2. Their insistence on off-record calls is a bad-faith tactic to suppress evidence and delay resolution, XXXX. Their timeline of re-reporting false data XXXX minutes after receiving executive-level complaints supports a strong inference of intentional retaliation. \n\nViolations : 1. 15 U.S.C. 1681s-2 ( b ) ( 1 ) : XXXXWorld Omni Corp must investigate and report the results back to the CRA ( and indirectly to me ), not dodge investigation via a phone call. The FCRA does not permit substitution of off-the-record calls for formal dispute resolution. This behavior fails to meet statutory response obligations under 1681s-2 ( b ).\n\n2. 12 CFR 1022.43 - Reasonable investigation & response after CRA notification : This regulation under the CFPBs authority echoes the FCRA and requires furnishers to : Complete the investigation of the dispute and report the results to the consumer reporting agency that provided the notificationbefore the end of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ). A response via phone call only is not a valid response under this rule as failing to provide a written, verifiable investigation outcome may constitute a procedural failure. \n\nXXXX. CFPB XXXX XXXX - Supervisory Highlights on Credit Reporting : A furnishers investigation procedures must be reasonably designed to ensure that disputes are properly investigated and that information provided is accurate. \n\nThe CFPB has found deficiencies where companies failed to respond adequately to disputesor failed to communicate dispute results to consumers. \n\nBy only offering to speak to me on the phone before and after my CFPB complaint, XXXXWorld Omni could be viewed as avoiding written communication to evade accountability, something already cited as abusive in the CFPB guidance. \n\nXXXX. Fair Debt Collection Practices Act ( if debt collectors involved ) : A debt collector may not communicate with a consumer in connection with the collection of any debtif the consumer has notified in writing that the debt is disputed 15 U.S.C. 1692c ( c ) : By XXXX  mailing a letter the day after receipt of my CFPB complaint submission to request an off-record phone call instead of formally responding via the CFPB portal, XXXX/World Omni has potentially violated : 1. 15 U.S.C. 1681s-2 ( b ) failure to respond in writing to a formal credit dispute 2. 12 CFR 1022.43 failure to complete and communicate a proper investigation CFPB Bulletin XXXX, avoidance of written resolution, attempt to obscure documentation. \n\nThese actions suggest more bad-faith attempts in addition to several executives, at both XXXX and World Omni, not intervening in their erroneous credit reporting when I personally emailed them : XXXX. Outlining in detail the preventable harm caused to me over two and half years now. \n\nXXXX. And their choice of immediate retaliation in updating my XXXX  report teen minutes later from a closed account to an \" open account '' inflating the balance to $ XXXX ( previously reported monthly as $ XXXX to now over $ XXXX ) making it seem like I was behind on payments when this vehicle was totaled two and half years ago with payments made to them via XXXX  XXXX and XXXX XXXX This amount that has almost doubled since is a balance they imposed after insurance payments that was never explained to me. \n\nAll in order to seemingly avoid regulatory oversight and violate the purpose and spirit of FCRA compliance. \n\nI now respectfully request that the CFPB : 1. Investigate XXXX XXXX XXXX XXXX World Omni Financial Corp for willful violations of the FCRA, 2. Instruct the company to respond only in writing via the CFPB portal, and 3. Review their pattern of phone-based evasions as a broader consumer harm issue.\n\n* All statements above are supported by documentation already submitted under Findings of Fact in my original complaint *","date_sent_to_company":"2025-11-13T18:23:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28655","tags":"Servicemember","has_narrative":true,"complaint_id":"17224066","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"World Omni Financial Corp.","date_received":"2025-11-13T18:22:47.000Z","state":"NC","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["All in order to seemingly avoid regulatory oversight and violate the purpose and spirit of <em>FCRA</em> compliance. \n\nI now respectfully request that the CFPB : 1. Investigate XXXX XXXX XXXX XXXX World Omni Financial Corp for willful violations of the <em>FCRA</em>, 2. Instruct the company to respond only in writing via the CFPB portal, and 3. Review their pattern of phone-based <em>evasions</em> as a broader <em>consumer</em> harm issue."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[9.293034,"17224066"]},{"_index":"complaint-public-v1","_id":"6583808","_score":8.0038395,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Metro 2 / e-OSCAR Compliance Deficiencies and FCRA willful violations - XXXX  Bank credit card XXXX  inaccurately reported in Metro 2 as old card XXXX  \n- [ ] Despite my clear disputes for willful FCRA violations, XXXX  and every CRA are NOT Metro 2 Compliant which should have forced and requested e-OSCAR to verify whether every item and every required field is filled in accurately, mandatorily and logically 100% perfect to meet compliance standards, as set forth in the 355 page Credit Reporting Resource Guide to meet ALL of the requirements of the FCRA, FCBA, and ECOA to insure maximum accurate and complete information on my credit history.  My paper credit reports of Experian, XXXX XXXX XXXX of XXXX showed that I never missed a payment to any creditor.  However, supplemental and additional data omitted illegally from my paper credit report but included in Metro 2 files in XXXX XXXX showed that I had been 60 days past due with a 100% perfect which is not only illogical but impossible as I have always had a perfect payment record on every account.  Numerous credit scoring and credit data analysis firms such as XXXX XXXX  access Metro 2 credit data to report scores and account changes and payment records.  Metro 2 coding errors and data concealed from paper credit reports prevents errors from being known and corrected by consumers in willful violation of the FCRA. Metro 2 is available to lenders who use information concealed from consumers which most likely contains inaccurate data such as late payments.  My credit score was 200+ points below what it should have been due to the concealed and inaccurate 60 day late payment inside Metro 2 and concealed from my paper reports.  I have complained to every CRA and the improper verification responses have been to ask me what data is incorrect instead of researching my Metro 2 data to tell me what data is in Metro 2 that is concealed from my paper credit reports.  Consumers are scammed by Metro 2 inaccurate data concealed from paper reports resulting in a systematic inappropriate reporting system in substantial and known violation of laws including the FCRA.  In fact, the whole Metro 2 system is useless since it contains data visible to others but concealed from consumers.  How can a consumer check data for accuracy on paper credit reports when a complete set of conflicting and additional supplemental data is available inside Metro 2 yet undiscoverable, concealed and Unknown to innocent unsuspecting consumers???  Metro 2 even scams sophisticated consumers who frequently check paper credit reports fir accuracy. Therefore, my XXXX  Closed account plus all my closed accounts must be permanently deleted from every CRA unless and until an independent unbiased capable entity certifies that all Metro 2 data is 100% accurately coded and properly incorporated in my paper data credit reports so that Metro 2 data is 100% identical to my paper reports. I maintain that Metro 2 data will always contain data not available and not visible on paper credit reports in willful violation of the FCRA.  Therefore, my XXXX  and every CRA must promptly permanently delete my XXXX  and other closed accounts and, in the interim until deletion, report accounts as disputed by consumer, closed by consumer, consumer affected by a natural or declared disaster, payment deferred, affected by COVID-19,  etc for which Metro 2 does not even have the fields and capability to accurately insure such required items are reported completely, consistently, logically and accurately monthly without the possibility of change through updates causing improper removal of codes and code replacements.  XXXX  does not understand this and it is incompetent and incapable of complying with the FCRA and Metro 2 mandatory coding as will be shown herein.  This matter is ripe for investigation by the CFPB and Florida AG who has an injunction against XXXX  for deceptive, unfair and unlawful trade practices.  I need from XXXX  every Metro 2 data submission since XXXX  with a manual reconciliation to explain each and every paper entry in my credit report for every item and field.  I need the Metro 2 transcribed to what is actually in its system as I know the codes (such as XA, XB, XC, XD, XE, XFetc) and I know what the codes mean but I do not know exactly what code has been reported since coding may be illogically, subjective, improper, temporary and changing with erroneous and inconsistent coding. My credit reports change multiple time daily with codes removed, replaced, removed, replaced, removed, etc erroneously and inaccurately in willful violations of the FCRA.  Once my account is closed it must remain as closed but a furnisher subsequently reporting a closed account as disputed usually will remove the closed account code in violation of the FCRA and replace it with a dispute code instead of keeping both the closed and disputed designation.  Garbage in means garbage out.  Metro 2 gets complicated in my case when I have a XXXX  acct with a wrong account number which is closed, disputed, affected by a natural or declared disaster, payment deferred, paid from insurance, failed to be reported monthly, etc where the Metro 2 codes cannot properly report the mandatory obligated FCRA requirements.  Moreover, XXXX  has shown that it is incapable of understanding Metro 2 and is unqualified and unwilling to report accurate credit data.  The integrity and reportability of my XXXX  and other closed accounts is called into question as mandatory data fields are missing, contested and cannot be verified and certified as perfectly compliant, mandating deletion entirely.  Not only are numerous required fields in segments missing entirely, but many fields are inaccurate, and more importantly, Furnishers do not understand how to accurately code the complex mandatory compliance codes.  XXXX  does not even know what a closed account is under Metro 2 so it inaccurately reported my account that I closed in XXXX XXXX as open and refuses to mark my account as closed as required by the FCRA and Metro 2.  XXXX  claims that it closed my account to purchases when I closed my account but it will never mark my account on my credit report as Closed unless and until I pay my balance in full.  All XXXX  has to do is read Metro 2 to see that an account is closed by a consumer when requested even if there is a balance.  Metro 2 and the FCRA clearly requires marking my account as closed promptly after my admitted closure in XXXX.  If XXXX  does not understand Metro 2 and the FCRA and its obligations and prohibitions how can XXXX  be permitted to continue to report under Metro 2??? It is almost 2 months and XXXX  has failed to mark my account as closed, disputed, affected by natural or declared disaster on a monthly basis?  My closed XXXX account is still willfully inaccurate as it is still reported as OPEN on XXXX on my 3 credit reports,  As of XXXX, XXXX  last reported my account to XXXX  on XXXX in willful violation of the Metro 2 requirement to report monthly.    CRAs know Metro 2 requires monthly reporting.  CRAs have the responsibility to delete my account before XXXX  responds.  XXXX  does not even know how  to report account numbers accurately in Metro 2 as my account number continues to be reported as XXXX  even though my account number was changed to XXXX  about 3 years ago.  Metro 2 is too complicated for XXXX  to use and it is obvious that it does not understand how to change account numbers or it just shortcuts its obligations and refuses to accurately report my account accurately.  Simply stated, XXXX  is not Metro 2 compliant as it does not understand  the system and the 355 page guidelines  requiring proper coding for fields for Closed, Disputed, inaccurate data and account numbers and accounts affected by COVID and natural and declared disasters, all of which are missing from my XXXX  file for months. XXXX  has failed to monthly report my account since it last reported to XXXX  on XXXX as of XXXX.  Clearly, XXXX  is not Metro 2 compliant mandating deletion.  XXXX  does not have the ability or desire to accurately report. Metro 2 field 17A must include DA immediately to prevent irreparable harm and to avoid further willful FCRA violations with punitive damages exceeding XXXX based on 11th circuit USCA decisions for jury awards of XXXX for a single failure to report the account as disputed.  XXXX  is a recalcitrant lender who does not know the law and refuses to follow its known obligations.  XXXX  should attempt to mitigate damages instead of alienating me and increasing its obligation to pay me significant damages. I claim past statutory and other damages to offset the frivolous and uncollectable disputed balance which I claim is XXXX, mandating dismissal and deletion of my XXXX  account permanently.  I demand XXXX  and every CRA disclose every Metro 2 coded field since XXXX to ascertain what is actually exactly reported and at the same time asking them to manually reconcile paper conflicts.   I do not understand why XXXX  refuses to immediately mark my account as Closed, disputed, deferred, affected by COVID and a natural disaster, etc.  What is its sinister goal???? A Metro 2 Compliance request triggers e-OSCAR to electronically evaluate whether every piece of data was mandatorily perfect and complete Metro 2 Formatted Reporting Standards was properly reported within the compliance standards set forth by the FCRA.  CDIA definitions that go along with Metro 2 Language are either unknown, not read, not considered, or just purposely evaded by XXXX  or purposely violated due to incompetence or willful disregard.  Obviously, a systematic problem exists at XXXX  affecting its similarly situated cardholders.  Closed accounts at XXXX  are never reported as closed in willful violation of the FCRA.  I demand that XXXX  immediately stop reporting my account as OPEN.   My account is closed since XXXX and such date closed is required to be permanently entered into Metro 2.  XXXX  is not Metro 2 Compliant mandating permanent deletion of my account from every CRA.  Compliance Condition Codes are used to reflect accounts Closed at Consumers Request AND Accounts Disputed By Consumer to comply with mandatory reporting under the FCRA, FCBA and FDCPA.  XXXX  does not even know the Definition of a closed account is and what a dispute is and it has not put any of the multiple mandatory codes into Metro 2 in complete and willful violation of the FCRA and other laws, both State and Federal.  XXXX  knows that my account is Closed and disputed yet it knowingly refuses to enter any Compliance Condition Codes in willful violation of the FCRA.  Simply stated, no code means XXXX  is not Metro 2 Compliant mandating permanent deletion of my account from every CRA.  My XXXX  and Experian reports are not reported monthly as required under Metro 2. (See Attached Experian reports of XXXX and XXXX showing XXXX as last reported date). Rather than promptly reporting my account as CLOSED on XXXX as required with a simple update, XXXX  completely stopped reporting since XXXX in violation of Metro 2. Apparently, XXXX  does not know how to enter mid cycle updates or it is just incapable of monthly reporting and mandatory prompt and immediate mid-cycle updates required by Metro 2 to comply with the FCRA.  My attached XXXX  report of XXXX shows inaccurately shows my XXXX  account number as XXXX  instead of XXXX. an inaccurate variable/adjustable rate, an inaccurate date of last payment, missing data for XXXX XXXX etc,, inaccurate date of last activity, missing deferral date, missing date closed, missing Closed account status, missing dispute code and other FCRA compliance codes.  Despite my disputes, XXXX  has failed to promptly and immediately update inaccurate disputed information to CRAs apparently willfully or because it does not understand how to update with Metro 2 / e-OSCAR protocols.  Reporting inaccuracies must be corrected promptly in order to comply with the FCRA.  See section 623(a)(2)(B).  The e-OSCAR Consumer Dispute System is designed and required to have built-in edits and safeguards to prevent illogical responses and impossible entries such as deletion of a closed account status resulting in a closed account inaccurately reported as open.  Similarly, once a consumer is marked as deceased, Metro 2 must prevent the person to be reported as alive by not permitting illogical coding entries. Replacing a required field with a blank field or zero to force Metro 2 to accept data for updates and submission must not be tolerated.  The CFPB website, like most websites, prevents submission until all required fields are marked and entered.  Metro 2 has no such controls so it allows submission of blank and inconsistent data without any effective checks and controls or allows furnished to evade requirements.  The numerous blank data fields demonstrate that XXXX  cannot and has not complied with Metro 2 standards and any one of the multiple blank required fields is grounds, standing alone, to delete my entire account for Metro 2 Compliance deficiencies and FCRA violations.  Every Metro 2 field has a purpose and no field must be blank under any scenario.  The entire Metro 2 Compliance safeguards are nonexistent.  Information within a dispute response must be complete and logical to insure maximum possible accuracy pursuant to well settled law. There are multiple coding duplicate safeguards to insure Metro 2 compliance.  For example not only does Metro 2 require a permanent Compliance Code for a closed account to comply with the FCRA but Metro 2 requires the entry of the actual DATE CLOSED so the closed status must be reported in 2 fields to prevent coding evasion.  Purposely entering blank required fields to force Metro 2 to update a submission constitutes a willful and deliberate violation of the FCRA and Metro 2 intended protocols. The incomplete, delayed and inaccurate  XXXX  reporting, with missing mandatory and required Metro 2 fields, should have required e-OSCAR to delete my account due to multiple Metro 2 Compliance deficiencies.  XXXX  should have been notified by CRAs of its reporting deficiencies or otherwise blocked from reporting entirely.  XXXX  has been negligent by failing to update its internal controls and record keeping to avoid and prevent re-reporting incorrect and illogical information.  XXXX Frequently Asked Questions and Answer, Question 64, discusses How should a replacement credit card be reported. XXXX  either does not have competent staff to understand Metro 2 or it just refuses to comply to save money.  In my case, my old acct # XXXX  was required to be updated with the new account number of XXXX (changed about 3 years ago) so XXXX  is NOT 100% Metro 2 Compliant mandating deletion.  Exact account number reporting is mandatory for many reasons including an internal control to prevent duplicate reporting of accounts especially when accounts are sold or transferred to others.  I have made multiple disputes but not only has XXXX  noticed yet failed to fix the obvious account number inaccurate account number but not one CRA has noticed the error nor forced Metro 2 updating of the correct account number as required to be Metro 2 compliant.  My Experian paper report conceals the last 4 digits of my XXXX  account number so I could not discover the inaccurate account numbers and inaccurate reporting in willful violation of the FCRA. On the other hand, XXXX  just reports just the last 4 numbers of XXXX  account on my paper so that the complete account number is discoverable to scammers by merely looking at 2 separate credit reports.  The FCRA and Metro 2 require the complete account number into Metro 2 and paper credit reports to insure accuracy and prevent duplication.   The ineffective procedure of partially blocking 4 or more account numbers on paper reports is counterproductive, achieves no valuable benefit or protection and deprives consumers of the right to determine accuracy especially if accounts are transferred. Since there is XXXX liability for credit fraud to consumers, complete account numbers must be reported on every CRA pursuant to the FCRA especially on Closed accounts, such as XXXX, which should be blocked.  The partially blocking of account numbers has protections for furnishers and no benefits for consumers, so every account on my credit report is inaccurate and not Metro 2 Compliant mandating deletion of every account including my XXXX  account. XXXX  answer to Question 58 required XXXX  to Report my account as deferred along with Special Comment AW (Affected by Natural or Declared Disaster) and other coding mandatory field entries negligently or intentional omitted in violation of the FCRA.  As XXXX  knows I live in XXXX  and I told it many times that I took a direct hit from Hurricane Ian in XXXX XXXX and I have been seriously affected by the FEMA declared natural disaster, not only has XXXX  willfully violated its specific obligation under the FCRA to report on my credit report  Affected By Natural or Declared Disaster, Compliance code AW, but it claims I am late despite the prohibition of late reporting due to Hurricane Ian.  Again, XXXX  is apparently deliberately negligent or untrained in meeting its mandatory obligations under Metro 2 contained in the 355 page Guide or it has maliciously and purposely violated the FCRA to hopefully induce me to pay disputed account charges thereby entitling me to XXXX+ in statutory and punitive damages so my claims exceed the smaller XXXX  disputed claim.  XXXX  and every CRA must enter account status code DA in field 17A to avoid and mitigate damages.  How about the mandatory Date of First Delinquency that furnishers and CRAs never report accurately. It is about time XXXX  sends its employees Back to School to learn about its obligations to insure maximum possible accuracy coding required under Metro 2/e-OSCAR/FCRA/FCBA/etc.  Garbage IN means Garbage OUT. Worst yet is leaving mandatory required fields BLANK in complete disregard for the requirements of Metro 2 and the FCRA.  Exhibit 8 of the XXXX  regarding Compliance Condition Codes, which is reported in Field 20 of the Base Segment, is used to reflect accounts Closed at Consumers Request, and, inter Alia, consumer disputes under the FCBA, FDCPA and FCRA.  Numerous Condition Codes exist (XA, XB, XC, XD, XE, XF, XI, XH, XJ etc) exist mandating reporting Accounts Closed at Consumers Request with the DEFINITION:  Reported when a consumer requested an account be CLOSED with an Important Note: Report the DATE CLOSED as the date the account was CLOSED TO FURTHER PURCHASES which XXXX  acknowledges was in XXXX XXXX.  Field Definitions in Metro 2 for #26 state: Date Closed  the date the account was closed to further purchases there may be a BALANCE DUE.  I need to repeat again and again what the FCRA and Metro 2 require in the 355 page guide.  Definition: Reported when a consumer requested an account be closed with an Important Note: Report the Date Closed as the Date the account was closed to further purchaseswhich XXXX  letter acknowledges was in XXXX. Again, Field Definitions for #26 Date Closedthe date the account was closed to further purchasesthere may be a balance due.  There can be absolutely no doubt that XXXX  has no idea of what a Closed account is and what the FCRA, case law, and the 355 page Metro 2 guide defines.  Or worse it has lied, lied, lied to federal investigators and its own superiors mandating disciplinary action against employees conspiring to violate the FCRA.  XXXX  top management needs to take disciplinary action against its staff for unconscionable conduct. XXXX  frivolous and illegal position that it will never report my account as closed unless and until I pay the entire balance in full is absolutely ridiculous and in willful and malicious disregard for the FCRA mandating maximum possible Statutory and Punitive damages plus Attorney Fees exceeding XXXX.  Does XXXX  want a US District Court jury to punish it if it is wrong?  Does XXXX  want to spend XXXX in legal fees and related expenses only to lose?  Does XXXX  want a US District Court to ask a US Magistrate Judge to issue a Report of Findings of Fact and Conclusions of Law to be reviewed by the US District Court Judge for judgment and Rule 11 sanctions?  Does XXXX  want the CFPB and the Florida AG to prosecute it?  Does XXXX  employees want to risk losing their jobs for knowingly, deliberately, maliciously, negligently and purposely violating the FCRA in bad faith?  Is there criminal conduct under multiple federal statutes for lying to federal authorities?  XXXX  top management and  below have no idea what the FCRA and Metro 2 straight forward Definitions are for a closed account or worst it knows my account is closed yet it continues to illegally report my account as Open for a sinister purpose.  XXXX  knows that my account was closed yet it refuses to report my account as Closed in willful violation of the FCRA, Metro 2 etc even though it acknowledges my phone call demand to close my account in XXXX resulting in not only a closure, by definition, but XXXX  blocking my account from further purchases thereby meeting the Metro 2 definition of a Closed account.  XXXX  falsely claims that my account will NEVER be reported as closed until my entire balance is paid in full.  I closed my account in XXXX  but XXXX  refuses to report my account as closed and just willfully violated the FCRA and Metro 2 by reporting my account as OPEN.  XXXX  had systematically, maliciously, deliberately and willfully violated the FCRA and Metro 2 resulting in inaccurate and incomplete reporting of data including blank data and codes in data fields in Metro 2 that XXXX  and CRAs refuse to adequately investigate.  Once I called XXXX  by phone and demanded it close my account and XXXX  at that time processed my closure request telling me my account was now closed telling me the account was blocked from further purchasers so I needed to advise merchants not to use my closed account further, XXXX  was required to PROMPTLY in a matter of a few days or minutes (not months) report my Account As Closed By Consumer forever keeping it Closed with every CRA never to be changed or deleted. Reporting an account as closed should be an instantaneous and automatic credit reporting process as it happens so frequently.  XXXX  blocked my account from further purchasers and read me the disclosure statement on its recorded line that my account was closed which I demand a certified copy of such transcript herein as additional proof of XXXX  wrongdoing.  This is certainly a learning lesson for XXXX  so its staff may understand and comply with its obligations under the FCRA and Metro 2.  Treating Consumers as stupid with disrespect is a terrible way to respond to bona fide complaints and disputes., especially when CFPB complaints can be viewed online for the public to read.  Does XXXX  really want to risk multi jurisdictional civil and criminal litigation over the Definition of a Closed Account?  The Definition of what a Closed account under the FCRA and Metro 2 is absolutely clear and its repeated definitions cannot be challenged under any scenario. Your Law firms will risk damaging their reputation and licenses by claiming my Closed XXXX  account is still Open when faced with a Rule 11 motion and action for sanctions for frivolous conduct.  What is wrong with XXXX? Is your XXXX  parent telling you to lie to federal authorities?  Are your executives stupid?  Do you think the CFPB is stupid? Do you think a jury and US District Court Judges are stupid?  Well, I am obviously NOT stupid and it is obvious that I am furious about the entire credit reporting system and its lack of controls.  The CFPB knows and has acknowledged unacceptable systematic FCRA violations. I just cant believe XXXX  insists on reporting my Closed account as Open.  Keep being STUPID and XXXX  will pay bigger and bigger  serious consequences.  Customers must be treated with respect not treated as Stupid by untrained inexperienced or stupid employees who do not act in the banks best interest.  When I filed my complaint with the CFPB, you should have taken the complaint seriously and tried everything to satisfy me by even giving me more than I asked for instead of being stupid.  XXXX  should have reduced my interest to 0% and just offer to pay me a XXXX statutory damage amount while not admitting or denying wrongdoing.  Moreover, XXXX  should have offered to permanently delete my account from every CRA as that would cost XXXX.  But XXXX  is not only stubborn but a stupid recalcitrant lender who would never offer a XXXX concession but would prefer to spend millions rather than make needed token concessions. Businesses pay huge sums to answer customer service phone calls and concessions are the cheapest and most effective way to satisfy and retain customers.  But obviously, XXXX  has alienated me (and others similarly situated) by treating me as stupid even after filing a CFPB complaint.  What would XXXX XXXX  Parent in XXXX  say when matters get out of Control and no one wants to acquire you?  I could continue for 20 more pages quoting the FCRA, Metro 2 Guidelines, statutory intent, criminal federal statutes, CFPB policies, Case law etc but XXXX  is required to know all that and have its Staff trained and knowledgeable.  This Complaint will certainly assist XXXX  staff in understanding its obligations under the FCRA and Metro 2.   I am entitled to relief as a consultant would charge huge amounts for what I have told you about your deficiencies.  Once my account was closed, XXXX  was prohibited to report my account with a variable interest rate so again XXXX  coding with a variable rate is inaccurate which everyone missed after closure.  XXXX  needs to send its staff and upper management Back To School to Metro 2 workshops, e-learning courses and seminars.   The industry Reporting Standards of Metro 2 to insure integrity and consistency of credit information requires:  All Accounts must be reported a minimum of once per month.  Prompt immediate and button-pushing automatic mid cycle updates are required especially for Closed, Disputed and accounts Affected by Natural or Declared Disaster.  XXXX  has failed to meet these and other Metro 2 obligations because as of XXXX, my last XXXX  update to XXXX  and Experian was XXXX per the attached.  Pursuant to section 1682 et seq of the FCRA, XXXX  and every CRA may be liable for willfully and negligently failing to follow reasonable procedures to assure maximum possible accuracy.  XXXX  is out of control. XXXX  numerous deliberate deficiencies of illegally withholding and inaccurately concealing and reporting false and missing required account data is purposely intended to negatively affect a consumer credit score in complete willful violation of the FCRA.  XXXX  has escalated my complaint issues to a high level executive department so there is no defense or excuse of new or inexperienced employees or other type of employee error or negligence as my dispute issue responses are purportedly prepared and investigated by senior level experience staff and reviewed by higher level experienced staff.  While Rule 11 sanction requests for frivolous conduct in federal courts permit violators to escape sanctions due to a 30 day safe harbor, willful violations of the FCRA cannot escape statutory and punitive damages. Some attorneys prefer to immediately file FCRA lawsuits upon discovery of violations. My efforts are intended to provide repeated notice of XXXX  illegal conduct so that FCRA violations can be corrected to mitigate damages.  If XXXX  willfully continues to violate the FCRA despite numerous warnings, higher punitive damages will be incurred.  I believe that XXXX  will never admit FCRA violations due to its internal policies for dealing with FCRA violation complaints.  So despite my indisputable detail of widespread and systematic illegal conduct known to be illegal, I expect XXXX  will continue to willfully violate the FCRA rather than just delete my account permanently from every CRA.  CFPB Director XXXX XXXX recently said around XXXX XXXX XXXX: XXXX  is an out/of-control repeat offender that believes it is above the law.  I am concerned that XXXX  leadership is either unwilling or incapable of operating its businesses lawfully.   My XXXX  issues similarly prove that XXXX  is an out-of-control repeat offender that refuses to comply with the FCRA and is incapable of understanding and implementing Metro 2 and the most basic FCRA provisions for reporting closed, disputed, affected by natural or declared disaster accounts and data.  On XXXX XXXX XXXX Florida Attorney General XXXX XXXX  announced a settlement agreement with 34 attorneys generals and XXXX  that included about XXXX XXXX in relief nationally including future injunctive relief requiring that XXXX shall maintain policies and procedures with respect to deferments, forbearances, modifications, and other related servicing and collection matters, and ensure that these policies and procedures are followed by its employees.  I maintain that the violations of the FCRA by XXXX and its refusal to mark my offered payment deferrals due to Hurricane Ian on my credit reports constitute violations of it injunction which I will address counsel for the Florida AG.  The AG injunction also stated: XXXX  shall comply with the Florida Deceptive and Unfair Trade Practices Act, Chapter 501, Part II, Florida Statutes.  Obviously, XXXX  willful and malicious violations of the FCRA clearly constitute grave violations of Floridas Deceptive and Unfair Trade Practices also enjoined by the injunction relief agreed to by XXXX.  XXXX  is just out of control and incapable of complying with its obligations.  Metro 2 and the FCRA is just too complicated for XXXX  to administer as required mandating permanent deletion of my disputed and closed account from my credit report.  XXXX  retaliated against me for seeking deferrals offered and accepted automatically and required due to Hurricane Ian resulting in unacceptable FCRA violations and a complete disregard for requirements of Metro 2.  I insist on 100% compliance with the requirements of Metro 2 and the FCRA to prevent the inaccuracies and incomplete credit reporting.  Moreover, I demand a copy of every XXXX  Metro 2 code filed so that I can compare codes submitted versus paper reports received.  My credit file is the Metro 2 codes which is inconsistent and quite different from my paper credit reports as the Metro 2 files contain data that is not on my paper reports.  Failure to provide me with past Metro 2 filings shall constitute the same FCRA violation as failing to provide an English paper credit report or electronic copy of my credit report.  Keep in mind that an analysis of my Metro 2 codes show that I was in the past 60 days late which is impossible as my paper reports showed that I was never late to any creditor.  The Metro 2 coding is so complicated that inaccurate negative and derogatory data will always exist in Metro 2 which is not shown on a paper report to a consumer.  Metro 2 must be exactly the same as a XXXX","date_sent_to_company":"2023-02-17T10:42:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"6583808","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-02-17T10:42:19.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["For example not only does Metro 2 require a permanent Compliance Code for a closed account to comply with the <em>FCRA</em> but Metro 2 requires the entry of the actual DATE CLOSED so the closed status must be reported in 2 fields to <em>prevent</em> coding <em>evasion</em>.  Purposely entering blank required fields to force Metro 2 to update a submission constitutes a willful and deliberate violation of the <em>FCRA</em> and Metro 2 intended protocols."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[8.0038395,"6583808"]},{"_index":"complaint-public-v1","_id":"6583809","_score":8.00378,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Metro 2 / e-OSCAR Compliance Deficiencies and FCRA willful violations - XXXX Bank credit card XXXX  inaccurately reported in Metro 2 as old card XXXX\n\n- [ ] Despite my clear disputes for willful FCRA violations, XXXX  and every CRA are NOT Metro 2 Compliant which should have forced and requested e-OSCAR to verify whether every item and every required field is filled in accurately, mandatorily and logically 100% perfect to meet compliance standards, as set forth in the 355 page Credit Reporting Resource Guide to meet ALL of the requirements of the FCRA, FCBA, and ECOA to insure maximum accurate and complete information on my credit history.  My paper credit reports of XXXX XXXX XXXX TransUnion of XXXX  showed that I never missed a payment to any creditor.  However, supplemental and additional data omitted illegally from my paper credit report but included in Metro 2 files in XXXX XXXX showed that I had been 60 days past due with a 100% perfect which is not only illogical but impossible as I have always had a perfect payment record on every account.  Numerous credit scoring and credit data analysis firms such as XXXX XXXX access Metro 2 credit data to report scores and account changes and payment records.  Metro 2 coding errors and data concealed from paper credit reports prevents errors from being known and corrected by consumers in willful violation of the FCRA. Metro 2 is available to lenders who use information concealed from consumers which most likely contains inaccurate data such as late payments.  My credit score was 200+ points below what it should have been due to the concealed and inaccurate 60 day late payment inside Metro 2 and concealed from my paper reports.  I have complained to every CRA and the improper verification responses have been to ask me what data is incorrect instead of researching my Metro 2 data to tell me what data is in Metro 2 that is concealed from my paper credit reports.  Consumers are scammed by Metro 2 inaccurate data concealed from paper reports resulting in a systematic inappropriate reporting system in substantial and known violation of laws including the FCRA.  In fact, the whole Metro 2 system is useless since it contains data visible to others but concealed from consumers.  How can a consumer check data for accuracy on paper credit reports when a complete set of conflicting and additional supplemental data is available inside Metro 2 yet undiscoverable, concealed and Unknown to innocent unsuspecting consumers???  Metro 2 even scams sophisticated consumers who frequently check paper credit reports fir accuracy. Therefore, my XXXX Closed account plus all my closed accounts must be permanently deleted from every CRA unless and until an independent unbiased capable entity certifies that all Metro 2 data is 100% accurately coded and properly incorporated in my paper data credit reports so that Metro 2 data is 100% identical to my paper reports. I maintain that Metro 2 data will always contain data not available and not visible on paper credit reports in willful violation of the FCRA.  Therefore, my XXXX and every CRA must promptly permanently delete my XXXX and other closed accounts and, in the interim until deletion, report accounts as disputed by consumer, closed by consumer, consumer affected by a natural or declared disaster, payment deferred, affected by COVID-19,  etc for which Metro 2 does not even have the fields and capability to accurately insure such required items are reported completely, consistently, logically and accurately monthly without the possibility of change through updates causing improper removal of codes and code replacements.  XXXX  does not understand this and it is incompetent and incapable of complying with the FCRA and Metro 2 mandatory coding as will be shown herein.  This matter is ripe for investigation by the CFPB and Florida AG who has an injunction against XXXX  for deceptive, unfair and unlawful trade practices.  I need from XXXX every Metro 2 data submission since XXXX  with a manual reconciliation to explain each and every paper entry in my credit report for every item and field.  I need the Metro 2 transcribed to what is actually in its system as I know the codes (such as XA, XB, XC, XD, XE, XFetc) and I know what the codes mean but I do not know exactly what code has been reported since coding may be illogically, subjective, improper, temporary and changing with erroneous and inconsistent coding. My credit reports change multiple time daily with codes removed, replaced, removed, replaced, removed, etc erroneously and inaccurately in willful violations of the FCRA.  Once my account is closed it must remain as closed but a furnisher subsequently reporting a closed account as disputed usually will remove the closed account code in violation of the FCRA and replace it with a dispute code instead of keeping both the closed and disputed designation.  Garbage in means garbage out.  Metro 2 gets complicated in my case when I have a XXXX  acct with a wrong account number which is closed, disputed, affected by a natural or declared disaster, payment deferred, paid from insurance, failed to be reported monthly, etc where the Metro 2 codes cannot properly report the mandatory obligated FCRA requirements.  Moreover, XXXX has shown that it is incapable of understanding Metro 2 and is unqualified and unwilling to report accurate credit data.  The integrity and reportability of my XXXX and other closed accounts is called into question as mandatory data fields are missing, contested and cannot be verified and certified as perfectly compliant, mandating deletion entirely.  Not only are numerous required fields in segments missing entirely, but many fields are inaccurate, and more importantly, Furnishers do not understand how to accurately code the complex mandatory compliance codes.  XXXX does not even know what a closed account is under Metro 2 so it inaccurately reported my account that I closed in XXXX XXXX as open and refuses to mark my account as closed as required by the FCRA and Metro 2.  XXXX claims that it closed my account to purchases when I closed my account but it will never mark my account on my credit report as Closed unless and until I pay my balance in full.  All XXXX has to do is read Metro 2 to see that an account is closed by a consumer when requested even if there is a balance.  Metro 2 and the FCRA clearly requires marking my account as closed promptly after my admitted closure in XXXX.  If XXXX does not understand Metro 2 and the FCRA and its obligations and prohibitions how can XXXX be permitted to continue to report under Metro 2??? It is almost 2 months and XXXX  has failed to mark my account as closed, disputed, affected by natural or declared disaster on a monthly basis?  My closed XXXX  account is still willfully inaccurate as it is still reported as OPEN on XXXX on my 3 credit reports,  As of XXXX, XXXX  last reported my account to TransUnion on XXXX in willful violation of the Metro 2 requirement to report monthly.    CRAs know Metro 2 requires monthly reporting.  CRAs have the responsibility to delete my account before XXXX  responds.  XXXX  does not even know how  to report account numbers accurately in Metro 2 as my account number continues to be reported as XXXX even though my account number was changed to XXXX about 3 years ago.  Metro 2 is too complicated for XXXX  to use and it is obvious that it does not understand how to change account numbers or it just shortcuts its obligations and refuses to accurately report my account accurately.  Simply stated, XXXX  is not Metro 2 compliant as it does not understand  the system and the 355 page guidelines  requiring proper coding for fields for Closed, Disputed, inaccurate data and account numbers and accounts affected by COVID and natural and declared disasters, all of which are missing from my XXXX  file for months. XXXX  has failed to monthly report my account since it last reported to TransUnion on XXXX as of XXXX.  Clearly, XXXX  is not Metro 2 compliant mandating deletion.  XXXX  does not have the ability or desire to accurately report. Metro 2 field 17A must include DA immediately to prevent irreparable harm and to avoid further willful FCRA violations with punitive damages exceeding $100,000 based on 11th circuit USCA decisions for jury awards of $80,000 for a single failure to report the account as disputed.  XXXX  is a recalcitrant lender who does not know the law and refuses to follow its known obligations.  XXXX  should attempt to mitigate damages instead of alienating me and increasing its obligation to pay me significant damages. I claim past statutory and other damages to offset the frivolous and uncollectable disputed balance which I claim is XXXX, mandating dismissal and deletion of my XXXX  account permanently.  I demand XXXX  and every CRA disclose every Metro 2 coded field since XXXX to ascertain what is actually exactly reported and at the same time asking them to manually reconcile paper conflicts.   I do not understand why XXXX  refuses to immediately mark my account as Closed, disputed, deferred, affected by COVID and a natural disaster, etc.  What is its sinister goal???? A Metro 2 Compliance request triggers e-OSCAR to electronically evaluate whether every piece of data was mandatorily perfect and complete Metro 2 Formatted Reporting Standards was properly reported within the compliance standards set forth by the FCRA.  CDIA definitions that go along with Metro 2 Language are either unknown, not read, not considered, or just purposely evaded by XXXX  or purposely violated due to incompetence or willful disregard.  Obviously, a systematic problem exists at XXXX  affecting its similarly situated cardholders.  Closed accounts at XXXX  are never reported as closed in willful violation of the FCRA.  I demand that XXXX  immediately stop reporting my account as OPEN.   My account is closed since XXXX and such date closed is required to be permanently entered into Metro 2.  XXXX  is not Metro 2 Compliant mandating permanent deletion of my account from every CRA.  Compliance Condition Codes are used to reflect accounts Closed at Consumers Request AND Accounts Disputed By Consumer to comply with mandatory reporting under the FCRA, FCBA and FDCPA.  XXXX  does not even know the Definition of a closed account is and what a dispute is and it has not put any of the multiple mandatory codes into Metro 2 in complete and willful violation of the FCRA and other laws, both State and Federal.  XXXX  knows that my account is Closed and disputed yet it knowingly refuses to enter any Compliance Condition Codes in willful violation of the FCRA.  Simply stated, no code means XXXX  is not Metro 2 Compliant mandating permanent deletion of my account from every CRA.  My TransUnion and XXXX  reports are not reported monthly as required under Metro 2. (See Attached XXXX  reports of XXXX and XXXX showing XXXX as last reported date). Rather than promptly reporting my account as CLOSED on XXXX as required with a simple update, XXXX  completely stopped reporting since XXXX  in violation of Metro 2. Apparently, XXXX  does not know how to enter mid cycle updates or it is just incapable of monthly reporting and mandatory prompt and immediate mid-cycle updates required by Metro 2 to comply with the FCRA.  My attached XXXX  report of XXXX shows inaccurately shows my XXXX  account number as XXXX  instead of XXXX. an inaccurate variable/adjustable rate, an inaccurate date of last payment, missing data for XXXX, XXXX etc,, inaccurate date of last activity, missing deferral date, missing date closed, missing Closed account status, missing dispute code and other FCRA compliance codes.  Despite my disputes, XXXX  has failed to promptly and immediately update inaccurate disputed information to CRAs apparently willfully or because it does not understand how to update with Metro 2 / e-OSCAR protocols.  Reporting inaccuracies must be corrected promptly in order to comply with the FCRA.  See section 623(a)(2)(B).  The e-OSCAR Consumer Dispute System is designed and required to have built-in edits and safeguards to prevent illogical responses and impossible entries such as deletion of a closed account status resulting in a closed account inaccurately reported as open.  Similarly, once a consumer is marked as deceased, Metro 2 must prevent the person to be reported as alive by not permitting illogical coding entries. Replacing a required field with a blank field or zero to force Metro 2 to accept data for updates and submission must not be tolerated.  The CFPB website, like most websites, prevents submission until all required fields are marked and entered.  Metro 2 has no such controls so it allows submission of blank and inconsistent data without any effective checks and controls or allows furnished to evade requirements.  The numerous blank data fields demonstrate that XXXX  cannot and has not complied with Metro 2 standards and any one of the multiple blank required fields is grounds, standing alone, to delete my entire account for Metro 2 Compliance deficiencies and FCRA violations.  Every Metro 2 field has a purpose and no field must be blank under any scenario.  The entire Metro 2 Compliance safeguards are nonexistent.  Information within a dispute response must be complete and logical to insure maximum possible accuracy pursuant to well settled law. There are multiple coding duplicate safeguards to insure Metro 2 compliance.  For example not only does Metro 2 require a permanent Compliance Code for a closed account to comply with the FCRA but Metro 2 requires the entry of the actual DATE CLOSED so the closed status must be reported in 2 fields to prevent coding evasion.  Purposely entering blank required fields to force Metro 2 to update a submission constitutes a willful and deliberate violation of the FCRA and Metro 2 intended protocols. The incomplete, delayed and inaccurate  XXXX  reporting, with missing mandatory and required Metro 2 fields, should have required e-OSCAR to delete my account due to multiple Metro 2 Compliance deficiencies.  XXXX  should have been notified by CRAs of its reporting deficiencies or otherwise blocked from reporting entirely.  XXXX  has been negligent by failing to update its internal controls and record keeping to avoid and prevent re-reporting incorrect and illogical information.  CRRG Frequently Asked Questions and Answer, Question 64, discusses How should a replacement credit card be reported. XXXX  either does not have competent staff to understand Metro 2 or it just refuses to comply to save money.  In my case, my old acct # XXXX  was required to be updated with the new account number of #XXXX  (changed about 3 years ago) so XXXX  is NOT 100% Metro 2 Compliant mandating deletion.  Exact account number reporting is mandatory for many reasons including an internal control to prevent duplicate reporting of accounts especially when accounts are sold or transferred to others.  I have made multiple disputes but not only has XXXX  noticed yet failed to fix the obvious account number inaccurate account number but not one CRA has noticed the error nor forced Metro 2 updating of the correct account number as required to be Metro 2 compliant.  My XXXX  paper report conceals the last 4 digits of my XXXX  account number so I could not discover the inaccurate account numbers and inaccurate reporting in willful violation of the FCRA. On the other hand, TransUnion just reports just the last 4 numbers of XXXX  account on my paper so that the complete account number is discoverable to scammers by merely looking at 2 separate credit reports.  The FCRA and Metro 2 require the complete account number into Metro 2 and paper credit reports to insure accuracy and prevent duplication.   The ineffective procedure of partially blocking 4 or more account numbers on paper reports is counterproductive, achieves no valuable benefit or protection and deprives consumers of the right to determine accuracy especially if accounts are transferred. Since there is $0 liability for credit fraud to consumers, complete account numbers must be reported on every CRA pursuant to the FCRA especially on Closed accounts, such as XXXX, which should be blocked.  The partially blocking of account numbers has protections for furnishers and no benefits for consumers, so every account on my credit report is inaccurate and not Metro 2 Compliant mandating deletion of every account including my XXXX  account. CRRG answer to Question 58 required XXXX  to Report my account as deferred along with Special Comment AW (Affected by Natural or Declared Disaster) and other coding mandatory field entries negligently or intentional omitted in violation of the FCRA.  As XXXX  knows I live in XXXX  and I told it many times that I took a direct hit from Hurricane Ian in XXXX XXXX and I have been seriously affected by the FEMA declared natural disaster, not only has XXXX  willfully violated its specific obligation under the FCRA to report on my credit report  Affected By Natural or Declared Disaster, Compliance code AW, but it claims I am late despite the prohibition of late reporting due to Hurricane Ian.  Again, XXXX  is apparently deliberately negligent or untrained in meeting its mandatory obligations under Metro 2 contained in the 355 page Guide or it has maliciously and purposely violated the FCRA to hopefully induce me to pay disputed account charges thereby entitling me to $10,000+ in statutory and punitive damages so my claims exceed the smaller XXXX  disputed claim.  XXXX  and every CRA must enter account status code DA in field 17A to avoid and mitigate damages.  How about the mandatory Date of First Delinquency that furnishers and CRAs never report accurately. It is about time XXXX  sends its employees Back to School to learn about its obligations to insure maximum possible accuracy coding required under Metro 2/e-OSCAR/FCRA/FCBA/etc.  Garbage IN means Garbage OUT. Worst yet is leaving mandatory required fields BLANK in complete disregard for the requirements of Metro 2 and the FCRA.  Exhibit 8 of the CRRG regarding Compliance Condition Codes, which is reported in Field 20 of the Base Segment, is used to reflect accounts Closed at Consumers Request, and, inter Alia, consumer disputes under the FCBA, FDCPA and FCRA.  Numerous Condition Codes exist (XA, XB, XC, XD, XE, XF, XI, XH, XJ etc) exist mandating reporting Accounts Closed at Consumers Request with the DEFINITION:  Reported when a consumer requested an account be CLOSED with an Important Note: Report the DATE CLOSED as the date the account was CLOSED TO FURTHER PURCHASES which XXXX  acknowledges was in XXXX XXXX  Field Definitions in Metro 2 for #26 state: Date Closed  the date the account was closed to further purchases there may be a BALANCE DUE.  I need to repeat again and again what the FCRA and Metro 2 require in the 355 page guide.  Definition: Reported when a consumer requested an account be closed with an Important Note: Report the Date Closed as the Date the account was closed to further purchaseswhich XXXX  letter acknowledges was in XXXX. Again, Field Definitions for #26 Date Closedthe date the account was closed to further purchasesthere may be a balance due.  There can be absolutely no doubt that XXXX  has no idea of what a Closed account is and what the FCRA, case law, and the 355 page Metro 2 guide defines.  Or worse it has lied, lied, lied to federal investigators and its own superiors mandating disciplinary action against employees conspiring to violate the FCRA.  XXXX  top management needs to take disciplinary action against its staff for unconscionable conduct. XXXX  frivolous and illegal position that it will never report my account as closed unless and until I pay the entire balance in full is absolutely ridiculous and in willful and malicious disregard for the FCRA mandating maximum possible Statutory and Punitive damages plus Attorney Fees exceeding $100,000.  Does XXXX  want a US District Court jury to punish it if it is wrong?  Does XXXX  want to spend $50,000 in legal fees and related expenses only to lose?  Does XXXX  want a US District Court to ask a US Magistrate Judge to issue a Report of Findings of Fact and Conclusions of Law to be reviewed by the US District Court Judge for judgment and Rule 11 sanctions?  Does XXXX  want the CFPB and the Florida AG to prosecute it?  Does XXXX  employees want to risk losing their jobs for knowingly, deliberately, maliciously, negligently and purposely violating the FCRA in bad faith?  Is there criminal conduct under multiple federal statutes for lying to federal authorities?  XXXX  top management and  below have no idea what the FCRA and Metro 2 straight forward Definitions are for a closed account or worst it knows my account is closed yet it continues to illegally report my account as Open for a sinister purpose.  XXXX  knows that my account was closed yet it refuses to report my account as Closed in willful violation of the FCRA, Metro 2 etc even though it acknowledges my phone call demand to close my account in XXXX resulting in not only a closure, by definition, but XXXX  blocking my account from further purchases thereby meeting the Metro 2 definition of a Closed account.  XXXX  falsely claims that my account will NEVER be reported as closed until my entire balance is paid in full.  I closed my account in XXXX  but XXXX  refuses to report my account as closed and just willfully violated the FCRA and Metro 2 by reporting my account as OPEN.  XXXX  had systematically, maliciously, deliberately and willfully violated the FCRA and Metro 2 resulting in inaccurate and incomplete reporting of data including blank data and codes in data fields in Metro 2 that XXXX  and CRAs refuse to adequately investigate.  Once I called XXXX  by phone and demanded it close my account and XXXX  at that time processed my closure request telling me my account was now closed telling me the account was blocked from further purchasers so I needed to advise merchants not to use my closed account further, XXXX  was required to PROMPTLY in a matter of a few days or minutes (not months) report my Account As Closed By Consumer forever keeping it Closed with every CRA never to be changed or deleted. Reporting an account as closed should be an instantaneous and automatic credit reporting process as it happens so frequently.  XXXX  blocked my account from further purchasers and read me the disclosure statement on its recorded line that my account was closed which I demand a certified copy of such transcript herein as additional proof of XXXX  wrongdoing.  This is certainly a learning lesson for XXXX  so its staff may understand and comply with its obligations under the FCRA and Metro 2.  Treating Consumers as stupid with disrespect is a terrible way to respond to bona fide complaints and disputes., especially when CFPB complaints can be viewed online for the public to read.  Does XXXX  really want to risk multi jurisdictional civil and criminal litigation over the Definition of a Closed Account?  The Definition of what a Closed account under the FCRA and Metro 2 is absolutely clear and its repeated definitions cannot be challenged under any scenario. Your Law firms will risk damaging their reputation and licenses by claiming my Closed XXXX  account is still Open when faced with a Rule 11 motion and action for sanctions for frivolous conduct.  What is wrong with XXXX? Is your XXXX parent telling you to lie to federal authorities?  Are your executives stupid?  Do you think the CFPB is stupid? Do you think a jury and US District Court Judges are stupid?  Well, I am obviously NOT stupid and it is obvious that I am furious about the entire credit reporting system and its lack of controls.  The CFPB knows and has acknowledged unacceptable systematic FCRA violations. I just cant believe XXXX  insists on reporting my Closed account as Open.  Keep being STUPID and XXXX  will pay bigger and bigger  serious consequences.  Customers must be treated with respect not treated as Stupid by untrained inexperienced or stupid employees who do not act in the banks best interest.  When I filed my complaint with the CFPB, you should have taken the complaint seriously and tried everything to satisfy me by even giving me more than I asked for instead of being stupid.  XXXX  should have reduced my interest to 0% and just offer to pay me a XXXX statutory damage amount while not admitting or denying wrongdoing.  Moreover, XXXX  should have offered to permanently delete my account from every CRA as that would cost XXXX.  But XXXX  is not only stubborn but a stupid recalcitrant lender who would never offer a $1 concession but would prefer to spend millions rather than make needed token concessions. Businesses pay huge sums to answer customer service phone calls and concessions are the cheapest and most effective way to satisfy and retain customers.  But obviously, XXXX  has alienated me (and others similarly situated) by treating me as stupid even after filing a CFPB complaint.  What would Banco XXXX  Parent in XXXX  say when matters get out of Control and no one wants to acquire you?  I could continue for 20 more pages quoting the FCRA, Metro 2 Guidelines, statutory intent, criminal federal statutes, CFPB policies, Case law etc but XXXX  is required to know all that and have its Staff trained and knowledgeable.  This Complaint will certainly assist XXXX  staff in understanding its obligations under the FCRA and Metro 2.   I am entitled to relief as a consultant would charge huge amounts for what I have told you about your deficiencies.  Once my account was closed, XXXX  was prohibited to report my account with a variable interest rate so again XXXX  coding with a variable rate is inaccurate which everyone missed after closure.  XXXX  needs to send its staff and upper management Back To School to Metro 2 workshops, e-learning courses and seminars.   The industry Reporting Standards of Metro 2 to insure integrity and consistency of credit information requires:  All Accounts must be reported a minimum of once per month.  Prompt immediate and button-pushing automatic mid cycle updates are required especially for Closed, Disputed and accounts Affected by Natural or Declared Disaster.  XXXX  has failed to meet these and other Metro 2 obligations because as of XXXX, my last XXXX  update to TransUnion and XXXX was XXXX per the attached.  Pursuant to section 1682 et seq of the FCRA, XXXX  and every CRA may be liable for willfully and negligently failing to follow reasonable procedures to assure maximum possible accuracy.  XXXX  is out of control. XXXX  numerous deliberate deficiencies of illegally withholding and inaccurately concealing and reporting false and missing required account data is purposely intended to negatively affect a consumer credit score in complete willful violation of the FCRA.  XXXX  has escalated my complaint issues to a high level executive department so there is no defense or excuse of new or inexperienced employees or other type of employee error or negligence as my dispute issue responses are purportedly prepared and investigated by senior level experience staff and reviewed by higher level experienced staff.  While Rule 11 sanction requests for frivolous conduct in federal courts permit violators to escape sanctions due to a 30 day safe harbor, willful violations of the FCRA cannot escape statutory and punitive damages. Some attorneys prefer to immediately file FCRA lawsuits upon discovery of violations. My efforts are intended to provide repeated notice of XXXX  illegal conduct so that FCRA violations can be corrected to mitigate damages.  If XXXX  willfully continues to violate the FCRA despite numerous warnings, higher punitive damages will be incurred.  I believe that XXXX  will never admit FCRA violations due to its internal policies for dealing with FCRA violation complaints.  So despite my indisputable detail of widespread and systematic illegal conduct known to be illegal, I expect XXXX  will continue to willfully violate the FCRA rather than just delete my account permanently from every CRA.  CFPB Director XXXX XXXX recently said around XXXX XXXX XXXX: TransUnion is an out/of-control repeat offender that believes it is above the law.  I am concerned that TransUnions leadership is either unwilling or incapable of operating its businesses lawfully.   My XXXX  issues similarly prove that XXXX  is an out-of-control repeat offender that refuses to comply with the FCRA and is incapable of understanding and implementing Metro 2 and the most basic FCRA provisions for reporting closed, disputed, affected by natural or declared disaster accounts and data.  On XXXX XXXX XXXX, Florida Attorney General XXXX XXXX announced a settlement agreement with 34 attorneys generals and XXXX  that included about XXXX XXXX  in relief nationally including future injunctive relief requiring that XXXX  shall maintain policies and procedures with respect to deferments, forbearances, modifications, and other related servicing and collection matters, and ensure that these policies and procedures are followed by its employees.  I maintain that the violations of the FCRA by XXXX  and its refusal to mark my offered payment deferrals due to Hurricane Ian on my credit reports constitute violations of it injunction which I will address counsel for the Florida AG.  The AG injunction also stated: XXXX  shall comply with the Florida Deceptive and Unfair Trade Practices Act, Chapter 501, Part II, Florida Statutes.  Obviously, XXXX  willful and malicious violations of the FCRA clearly constitute grave violations of Floridas Deceptive and Unfair Trade Practices also enjoined by the injunction relief agreed to by XXXX.  XXXX  is just out of control and incapable of complying with its obligations.  Metro 2 and the FCRA is just too complicated for XXXX to administer as required mandating permanent deletion of my disputed and closed account from my credit report.  XXXX retaliated against me for seeking deferrals offered and accepted automatically and required due to Hurricane Ian resulting in unacceptable FCRA violations and a complete disregard for requirements of Metro 2.  I insist on 100% compliance with the requirements of Metro 2 and the FCRA to prevent the inaccuracies and incomplete credit reporting.  Moreover, I demand a copy of every XXXX Metro 2 code filed so that I can compare codes submitted versus paper reports received.  My credit file is the Metro 2 codes which is inconsistent and quite different from my paper credit reports as the Metro 2 files contain data that is not on my paper reports.  Failure to provide me with past Metro 2 filings shall constitute the same FCRA violation as failing to provide an English paper credit report or electronic copy of my credit report.  Keep in mind that an analysis of my Metro 2 codes show that I was in the past 60 days late which is impossible as my paper reports showed that I was never late to any creditor.  The Metro 2 coding is so complicated that inaccurate negative and derogatory data will always exist in Metro 2 which is not shown on a paper report to a consumer.  Metro 2 must be exactly the same as a XXXX","date_sent_to_company":"2023-02-17T10:42:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"6583809","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-02-17T10:42:19.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["For example not only does Metro 2 require a permanent Compliance Code for a closed account to comply with the <em>FCRA</em> but Metro 2 requires the entry of the actual DATE CLOSED so the closed status must be reported in 2 fields to <em>prevent</em> coding <em>evasion</em>.  Purposely entering blank required fields to force Metro 2 to update a submission constitutes a willful and deliberate violation of the <em>FCRA</em> and Metro 2 intended protocols."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[8.00378,"6583809"]},{"_index":"complaint-public-v1","_id":"7563619","_score":7.833989,"_source":{"product":"Debt collection","complaint_what_happened":"Part XXXX of XXXX Credit reporting agencies are not stupid birds, like a XXXX, who can just XXXX  or repeat exactly what Capital One states without the requisite XXXX XXXXXXXX independent unbiased inquiry. Capital One can not make the required prima facie showing required by court procedures to justify its purported disputed data and failure to report my accounts as disputed. I can not cross examine a verified entry so consumer reporting agencies are barred from further inclusion of Capital One accounts on my credit file. If Capital One wants me to pay, it can seek Arbitration without having to harass me with frivolous reporting disputed late payments on credit reports. Unfortunately for Capital One, only a JURY can resolve the dispute at this point as credit reporting agencies can not just XXXX  known disputed data known to be incomplete, misleading, deceptive, inaccurate etc. While it is clear and obvious that I was entitled to 3 months of payment deferrals due to OFFERS agreed to by Capital One and accepted by me, only a JURY can provide Capital One with relief as a jury would be required to decide the application of the rights and obligations of the parties regarding entitlement to payment deferrals and whether Capital One acted appropriately. While Capital One does not have standing and subject matter jurisdiction to enter a U.S. District Court, any attempts to sidestep a JURY trial or Arbitration would result in my filing a U.S. District Court Action or Bankruptcy Adversary proceeding to determine the amount, validity, priority of party claims seeking punitive damages from Capital One and other violators of the FCRA AFTER extensive and costly DISCOVERY. Because of my failing health in part caused by damages caused by Capital Ones no action and threats, I would probably die before court actions and appeals can be completed and my estate would just have to ADD ON additional damages. Capital Ones information furnished to consumer reporting agencies must be correct and update the information provided so that it is complete and accurate. 1681s-2 ( a ) ( 2 ). Additional duties a furnisher incurs under 1681s-2 ( b ) are if a consumer disputes the accuracy of information that the furnisher reports. If a consumer notified a CRA that he disputes the accuracy of an item in his file, the FCRA required the CRA to notify the furnisher of the dispute. 1681i ( a ) ( 2 ) and comply with a set of obligations to avoid violations. Thus, FCRA requires furnishers to determine whether the information that they previously reported to a CRA is incomplete or inaccurate1681s-2 ( b ) ( 1 ) ( D ). In so mandating, Congress clearly intended furnishers to review reports not only for inaccuracies in the information reported but also for omissions that render the reported information misleading. Courts have held that a credit report is not accurate under FCRA if it provides information in such a manner as to create a materially misleading impression reasoning that incomplete reporting can violate FCRA when it is misleading. Capital One affirmatively and unconditional Offered consumers unsolicited 3 months of payment deferrals for affected consumers if XXXX  XXXX and COVID-19. I accepted expected promised relief which Capital One refuses by its inaction and failure to process my payment deferrals. Consumers need offered relief without jumping through hoops and trying to reach a rep after 30 plus hours of calls. Capital Ones reporting is so bad that CRAs are now put in actual notice that any reply by Capital One is unreliable and intended to be willfully inaccurate. Thus CRAs and more importantly, CFPB intervention is required to protect millions of consumers from Capital Ones illegal and deceptive intentional practices. With multiple credit card lenders, I can not be reasonable expected to use my valuable time by spending hundreds of hours calling creditors to obtain payment deferrals which must be automatic. The scheme of Capital One is to do nothing in hope that it will not need to provide relief promised. The CFPB has detailed experience regarding serious credit reporting problems and it is in a position to protect the Millions of impacted consumers from XXXX XXXX and COVID-19. The XXXX XXXX held that a report is inaccurate not only when it is patently incorrect but when it is misleading in such a way snd to such an extent that it can be expected to have a adverse effect. Where a CRA is affirmatively on notice that information received from a creditor may be suspect, it is unreasonable as a matter of law for the agency to simply verify the creditors information through the automated consumer dispute verification process without additional investigation. Courts have held a reasonable reinvestigation required more than making only a cursory investigation into the reliability of information that is reported to potential creditors. The question of whether a reinvestigation is reasonable is generally XXXX for the JURY. The grave responsibility imposed by the FCRA must consist of something more than XXXX information received from other sources, XXXX information from furnishers creates a substantial risk to consumers. Despite the impacts of XXXX, XXXX XXXX, XXXX malpractice, refusal of insurance to pay my claims and my medical condition, I have been incredibly stressed by Capital One and others to provide the offered 3 months of unconditional payment deferrals. During all multiple Capital One conversations, I was made to feel anxious, frustrated, ignored, helpless, confused, and offended. Capital Ones refusal to address my points increased my stress level and anxiety. I felt embarrassed, less confident and depressed that Capital One repeatedly said I owed money by its failure to offer the 3 months of payment deferrals offered to all other consumers. I was worried that Capital One would completely drain my Social Security checking account each month in the future further wrongly escalating things to negatively impact my credit in complete disregard for the FCRA. I am still in shock about how I was treated on the phone because I simply have never had such hostile, offensive, and aggressive conversations with another person in a professional setting. Because of Capital Ones discrimination and refusal to process the offered 3 months of payment deferrals, I have suffered severe emotional and mental distress. Distress, including mental suffering or emotional anguish, is a personal injury familiar to the law, customarily proved by showing the nature and circumstances of the wrong snd its effect on the plaintiff. CAREY v Piphus, 435 U.S. 247, 263-64. Recovery for that type of injury has been part of our common-law tradition for centuries. Congresss judgment sought to prevent the variety of negative effects that reporting inaccurate credit information can cause. Even the threat to report disputed information is an inherently abusive, injurious, and coercive shakedown because it forces the debtor with a legitimate ground for disputing a debt to choose between waiving the right to challenge the debt or risk long-lasting negative financial consequences. This type of concrete harm is actionable without the need to show additional harm. \nI could continue on and on but I will stop here as I can always supplement matters later. I have obviously spent considerable time and effort in this matter to make my complaint clear and unambiguous. Conflicts between what I state herein and any transcripts or unknown summaries of phone transcripts must be resolved in favor of this complaint. I am also sending this complaint by certified US mail return receipt requested to put Capital One, XXXX, XXXX, XXXX and all closed account creditors including XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX about my dispute about their data and the consequences of continued FCRA violations. This complaint can not be accurately summarized into a box as complete forwarding of the entire dispute must be delivered by each CRA to Capital One and all closed accounts. CRAs can not assume Capital One receives and processes my dispute so they must securely deliver the complete complaint with exhibits to Capital One so that all FCRA requirements are satisfied without exception and without violations. Quite frankly, every CRA has sufficient grounds to DELETE Capital Ones accounts without waiting for a Capital Ones response to show good faith in an attempt to mitigate damages and avoid FCRA violations. In any case, Capital One needs to address each and every point in detail as would be expected in a U.S. Supreme Court decision unless it prudently instructs every CEA to delete the file permanently. Hopefully, the CFPB can just intervene promptly causing all closed accounts to be permanently deleted so that Capital One and every CRA does not have to admit or deny wrongdoing. \n\nI could continue and continue but at this point I will stop. Any one point of the numerous points made would justify my requested relief. In combination, all of my points overwhelmingly justify the immediate need for the requested relief.\n\nI respectfully request : 1. The immediate and permanent deletion of each and every one of my accounts of Capital One from every credit reporting agency, including XXXX, XXXX and XXXX ; and XXXX. Actual damages from Capital One and any violating CRA {$1000.00} statutory damages against Capital One and XXXX for each and every account for each and every FCRA violation for each and every day a FCRA is contained on my credit reports -plus punitive damages of $ XXXX plus reasonable attorney fees and costs ; and XXXX. A comprehensive investigation with sanctions or other relief by the Consumer Financial Protection Bureau about XXXX XXXX and XXXX policies and handling regarding payment deferrals and other relief evasion or avoidance policies by Capital One and other lenders ; and XXXX. The immediate and permanent deletion of every closed credit card account from every CRA ; and XXXX. Deletion of all data from my credit reports by CRAs which is disputed, inaccurate, false, deceptive, misleading, incorrect, unverifiable, improper, incomplete, meaningless, discriminatory, harmful, irrelevant, non-compliant, inconsistent, frivolous, abusive, threatening, unreasonable, unclear, unwarranted, unreliable, unproven, uncertain, Non-investigated to assure maximum accuracy, illegal, prohibited, unconstitutional, unequal treatment, discriminatory, PARROTING, damaging, malicious, negative, insufficient, usurious, negligence, misconduct, coercive, etc. ; and XXXX a determination that good faith has been shown that I may be entitled to statutory, punitive and other damages for FCRA willful violations which damages may exceed creditor purported claims making credit reporting unwarranted, irrelevant and inappropriate except to harass me for no justifiable purpose ; and XXXX. Immediately and Permanently marking every closed account as DISPUTED BY CONSUMER and prohibiting the reporting of direct or indirect potentially negative or negatively inferred data unless and until a dispute is finally resolved by a U.S. District Court JURY ; and XXXX. The return of all amounts paid since XX/XX/22 ; and XXXX. For such other or further relief that may be just, proper and equitable in the light most favorable to me as consumer NOTE : My primary objective is permanent deletion of all my Capital One and other closed accounts from my credit files of all credit reporting agencies. If the CFPB can help obtain my primary objective, I will be extremely happy and thankful to the CFPB and it may effectively XXXX  other relief to be determined, if sought, in the sole appropriate jurisdiction in a jury trial in the US District Court in XXXX. \n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2023-09-18T15:21:11.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"7563619","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-09-18T15:14:56.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Courts have held that a credit report is not accurate under <em>FCRA</em> if it provides information in such a manner as to create a materially misleading impression reasoning that incomplete reporting can violate <em>FCRA</em> when it is misleading. Capital One affirmatively and unconditional Offered <em>consumers</em> unsolicited 3 months of payment deferrals for affected <em>consumers</em> if XXXX  XXXX and COVID-19."]},"sort":[7.833989,"7563619"]},{"_index":"complaint-public-v1","_id":"7563537","_score":7.8269944,"_source":{"product":"Debt collection","complaint_what_happened":"Part XXXX of XXXX Credit reporting agencies are not stupid birds, like a XXXX, who can just PARROT or repeat exactly what XXXX  XXXX states without the requisite XXXX  XXXX independent unbiased inquiry. XXXX XXXX can not make the required prima facie showing required by court procedures to justify its purported disputed data and failure to report my accounts as disputed. I can not cross examine a verified entry so consumer reporting agencies are barred from further inclusion of XXXX XXXX accounts on my credit file. If XXXX XXXX wants me to pay, it can seek Arbitration without having to harass me with frivolous reporting disputed late payments on credit reports. Unfortunately for XXXX XXXX, only a JURY can resolve the dispute at this point as credit reporting agencies can not just PARROT known disputed data known to be incomplete, misleading, deceptive, inaccurate etc. While it is clear and obvious that I was entitled to 3 months of payment deferrals due to OFFERS agreed to by XXXX XXXX XXXXnd accepted by me, only a JURY can provide XXXX XXXX with relief as a jury would be required to decide the application of the rights and obligations of the parties regarding entitlement to payment deferrals and whether XXXX XXXXXXXX acted appropriately. While XXXX XXXX  does not have standing and subject matter jurisdiction to enter a U.S. District Court, any attempts to sidestep a JURY trial or Arbitration would result in my filing a U.S. District Court Action or Bankruptcy Adversary proceeding to determine the amount, validity, priority of party claims seeking punitive damages from XXXX XXXX and other violators of the FCRA AFTER extensive and costly DISCOVERY. Because of my failing health in part caused by damages caused by XXXX XXXX no action and threats, I would probably die before court actions and appeals can be completed and my estate would just have to ADD ON additional damages. XXXX XXXX information furnished to consumer reporting agencies must be correct and update the information provided so that it is complete and accurate. 1681s-2 ( a ) ( 2 ). Additional duties a furnisher incurs under 1681s-2 ( b ) are if a consumer disputes the accuracy of information that the furnisher reports. If a consumer notified a CRA that he disputes the accuracy of an item in his file, the FCRA required the CRA to notify the furnisher of the dispute. 1681i ( a ) ( 2 ) and comply with a set of obligations to avoid violations. Thus, FCRA requires furnishers to determine whether the information that they previously reported to a CRA is incomplete or inaccurate1681s-2 ( b ) ( 1 ) ( D ). In so mandating, Congress clearly intended furnishers to review reports not only for inaccuracies in the information reported but also for omissions that render the reported information misleading. Courts have held that a credit report is not accurate under FCRA if it provides information in such a manner as to create a materially misleading impression reasoning that incomplete reporting can violate FCRA when it is misleading. XXXX XXXX affirmatively and unconditional Offered consumers unsolicited 3 months of payment deferrals for affected consumers if hurricane XXXX and XXXX. I accepted expected promised relief which XXXX XXXX refuses by its inaction and failure to process my payment deferrals. Consumers need offered relief without jumping through hoops and trying to reach a rep after XXXX plus hours of calls. XXXX XXXX  reporting is so bad that CRAs are now put in actual notice that any reply by XXXX XXXX is unreliable and intended to be willfully inaccurate. Thus CRAs and more importantly, CFPB intervention is required to protect millions of consumers from XXXX XXXX  illegal and deceptive intentional practices. With multiple credit card lenders, I can not be reasonable expected to use my valuable time by spending hundreds of hours calling creditors to obtain payment deferrals which must be automatic. The scheme of XXXX XXXX is to do nothing in hope that it will not need to provide relief promised. The CFPB has detailed experience regarding serious credit reporting problems and it is in a position to protect the Millions of impacted consumers from XXXX XXXX and XXXX. The XXXX XXXX held that a report is inaccurate not only when it is patently incorrect but when it is misleading in such a way snd to such an extent that it can be expected to have a adverse effect. Where a CRA is affirmatively on notice that information received from a creditor may be suspect, it is unreasonable as a matter of law for the agency to simply verify the creditors information through the automated consumer dispute verification process without additional investigation. Courts have held a reasonable reinvestigation required more than making only a cursory investigation into the reliability of information that is reported to potential creditors. The question of whether a reinvestigation is reasonable is generally one for the JURY. The grave responsibility imposed by the FCRA must consist of something more than PARROTING information received from other sources, PARROTING information from furnishers creates a substantial risk to consumers. Despite the impacts of XXXX, XXXX XXXX, XXXX malpractice, refusal of insurance to pay my claims and my medical condition, I have been incredibly stressed by XXXX XXXX and others to provide the offered 3 months of unconditional payment deferrals. During all multiple XXXX XXXX conversations, I was made to feel anxious, frustrated, ignored, helpless, confused, and offended. XXXX  XXXX  refusal to address my points increased my stress level and anxiety. I felt embarrassed, less confident and depressed that XXXX XXXX repeatedly said I owed money by its failure to offer the 3 months of payment deferrals offered to all other consumers. I was worried that XXXX XXXX would completely drain my Social Security checking account each month in the future further wrongly escalating things to negatively impact my credit in complete disregard for the FCRA. I am still in shock about how I was treated on the phone because I simply have never had such hostile, offensive, and aggressive conversations with another person in a professional setting. Because of XXXX XXXX  discrimination and refusal to process the offered 3 months of payment deferrals, I have suffered severe emotional and mental distress. Distress, including mental suffering or emotional anguish, is a personal injury familiar to the law, customarily proved by showing the nature and circumstances of the wrong snd its effect on the plaintiff. CAREY v Piphus, 435 U.S. 247, 263-64. Recovery for that type of injury has been part of our common-law tradition for centuries. Congresss judgment sought to prevent the variety of negative effects that reporting inaccurate credit information can cause. Even the threat to report disputed information is an inherently abusive, injurious, and coercive shakedown because it forces the debtor with a legitimate ground for disputing a debt to choose between waiving the right to challenge the debt or risk long-lasting negative financial consequences. This type of concrete harm is actionable without the need to show additional harm. \nI could continue on and on but I will stop here as I can always supplement matters later. I have obviously spent considerable time and effort in this matter to make my complaint clear and unambiguous. Conflicts between what I state herein and any transcripts or unknown summaries of phone transcripts must be resolved in favor of this complaint. I am also sending this complaint by certified XXXX mail return receipt requested to put XXXX  XXXX, XXXX, XXXX, XXXX and all closed account creditors including Bank XXXX XXXX, XXXX Bank, XXXX XXXX XXXX XXXX about my dispute about their data and the consequences of continued FCRA violations. This complaint can not be accurately summarized into a box as complete forwarding of the entire dispute must be delivered by each CRA to XXXX XXXX and all closed accounts. CRAs can not assume XXXX XXXX receives and processes my dispute so they must securely deliver the complete complaint with exhibits to XXXX XXXX so that all FCRA requirements are satisfied without exception and without violations. Quite frankly, every CRA has sufficient grounds to DELETE XXXX XXXX accounts without waiting for a XXXX XXXX response to show good faith in an attempt to mitigate damages and avoid FCRA violations. In any case, XXXX XXXX needs to address each and every point in detail as would be expected in a XXXX Supreme Court decision unless it prudently instructs every XXXX to delete the file permanently. Hopefully, the CFPB can just intervene promptly causing all closed accounts to be permanently deleted so that XXXX XXXX and every CRA does not have to admit or deny wrongdoing. \n\nI could continue and continue but at this point I will stop. Any XXXX point of the numerous points made would justify my requested relief. In combination, all of my points overwhelmingly justify the immediate need for the requested relief. \n\nI respectfully request : XXXX. The immediate and permanent deletion of each and every XXXX of my accounts of XXXX XXXX from every credit reporting agency, including XXXX, XXXX and XXXX ; and XXXX. Actual damages from XXXX  XXXX and any violating CRA {$1000.00} statutory damages against XXXX XXXXXXXX and XXXX for each and every account for each and every FCRA violation for each and every day a FCRA is contained on my credit reports -plus punitive damages of $ XXXX plus reasonable attorney fees and costs ; and XXXX. A comprehensive investigation with sanctions or other relief by the Consumer Financial Protection Bureau about XXXX XXXX and XXXX policies and handling regarding payment deferrals and other relief evasion or avoidance policies by XXXX XXXXXXXX and XXXX lenders ; and XXXX. The immediate and permanent deletion of every closed credit card account from every CRA ; and XXXX. Deletion of all data from my credit reports by CRAs which is disputed, inaccurate, false, deceptive, misleading, incorrect, unverifiable, improper, incomplete, meaningless, discriminatory, harmful, irrelevant, non-compliant, inconsistent, frivolous, abusive, threatening, unreasonable, unclear, unwarranted, unreliable, unproven, uncertain, Non-investigated to assure maximum accuracy, illegal, prohibited, unconstitutional, unequal treatment, discriminatory, XXXX, damaging, malicious, negative, insufficient, usurious, negligence, misconduct, coercive, etc. ; and XXXX a determination that good faith has been shown that I XXXX be entitled to statutory, punitive and other damages for FCRA willful violations which damages XXXX exceed creditor purported claims making credit reporting unwarranted, irrelevant and inappropriate except to harass me for no justifiable purpose ; and XXXX. Immediately and Permanently marking every closed account as DISPUTED BY CONSUMER and prohibiting the reporting of direct or indirect potentially negative or negatively inferred data unless and until a dispute is finally resolved by a U.S. District Court JURY ; and XXXX. The return of all amounts paid since XX/XX/22 ; and XXXX. For such other or further relief that may be just, proper and equitable in the light most favorable to me as consumer NOTE : My primary objective is permanent deletion of all my XXXX XXXX and other closed accounts from my credit files of all credit reporting agencies. If the CFPB can help obtain my primary objective, I will be extremely happy and thankful to the CFPB and it may effectively MOOT other relief to be determined, if sought, in the sole appropriate jurisdiction in a jury trial in the XXXX XXXX XXXX in XXXX. \n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2023-09-18T15:13:38.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"7563537","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Pollack & Rosen, P.A.","date_received":"2023-09-18T15:05:08.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Courts have held that a credit report is not accurate under <em>FCRA</em> if it provides information in such a manner as to create a materially misleading impression reasoning that incomplete reporting can violate <em>FCRA</em> when it is misleading. XXXX XXXX affirmatively and unconditional Offered <em>consumers</em> unsolicited 3 months of payment deferrals for affected <em>consumers</em> if hurricane XXXX and XXXX."]},"sort":[7.8269944,"7563537"]},{"_index":"complaint-public-v1","_id":"12896336","_score":7.641066,"_source":{"product":"Student loan","complaint_what_happened":"NOTICE This Complaint Is Not a Duplicate : Any Attempt to Misclassify It Constitutes Procedural Misrepresentation and Regulatory Misconduct ========================================================================= This complaint is not a duplicate of any prior submission, including but not limited to CFPB Complaint ID XXXX. It documents a new, independently reportable violationspecifically, Aidvantages continued misrepresentation of a prior CFPB complaint filed against XXXX ( ID XXXX ) as the basis for its internal fraud classification, as well as its stated policy of collapsing multiple complaints into a single response record. \n========================================================================= Any attempt by Aidvantage to mischaracterize this complaint as previously addressed or duplicative will be treated as a fraudulent procedural act and a misuse of the federal consumer complaint system, in violation of : 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) Prohibition on deceptive and abusive acts or practices ( UDAAP ) ; 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) Furnishers duty to correct and update inaccurate information ; D.C. Code 28-3904 ( e ), ( f ) Misrepresentation and failure to honor consumer rights under the D.C. Consumer Protection Procedures Act ; 18 U.S.C. 1001 Material false statements to a federal agency or in a matter within federal jurisdiction. \n========================================================================= This complaint arises from a new, post-dated violation that took place after prior complaints were filed. It involves a materially false assertion made by Aidvantage in its XX/XX/2025 response, falsely linking a separate CFPB complaint ( filed against XXXX ) to its internal servicing records, and reaffirming a pattern of improper fraud designation and procedural concealment. \n========================================================================= Furthermore, Aidvantages stated policy of responding to multiple complaints under one CFPB complaint number constitutes an attempt to suppress individualized complaint visibility, obstruct the official regulatory record, and evade accountability for ongoing and distinct legal violations. \n========================================================================= Any further attempt by Aidvantage to mislabel this submission as duplicative or to suppress its factual and legal claims through internal aggregation policies will be preserved as evidence of regulatory misconduct and will be escalated as warranted. \n========================================================================= NOTICE : Aidvantages continued misuse of the CFPBs complaint designation system to obscure procedural violations is being independently tracked as part of an active evidentiary dossier for potential regulatory enforcement and civil litigation, if warranted. \n========================================================================= Subject : Systemic Misrepresentation by Aidvantage False Identity Theft Designation, Unauthorized Use of CFPB Complaint Record, and Violation of Federal Furnisher Obligations ========================================================================= To : Consumer Financial Protection Bureau, FTC ========================================================================= CC : Aidvantage Credit Bureau Management ========================================================================= Date : XX/XX/2025 ========================================================================= Complainant : XXXX XXXX XXXX ========================================================================= Complaint ID Referenced ( for background ) : ========================================================================= XXXX ========================================================================= XXXX ========================================================================= XXXX ========================================================================= XXXX ========================================================================= Affirmation of Independent Legal Action and Federal Record Accuracy ========================================================================= I submit this complaint in my individual legal capacity and affirm that I am not affiliated with any credit repair organization. This submission documents federal loan servicing misconduct and preserves all rights for civil, regulatory, and evidentiary enforcement. Aidvantage is formally on notice. \n========================================================================= I. Unauthorized Identity Theft Designation of Federal Loan Account ========================================================================= Aidvantage unilaterally designated one or more of my federal student loan accounts as involving identity theft without my authorization, without law enforcement documentation, and without any identity theft report submitted by me. \n========================================================================= This act constitutes : ========================================================================= A material misrepresentation of the status of a federal student loan, ========================================================================= A falsification of servicing records, ========================================================================= A violation of FCRA 1681s-2 ( a ) ( 1 ) ( B ) and 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) ( UDAAP ). \n========================================================================= I have submitted a notarized affidavit and two FTC Fraud Reports affirming no identity theft was reported. Aidvantage proceeded with a fraud designation despite this documentation. \n========================================================================= XXXX. Misuse of CFPB Complaint System to Justify Internal Fraud Protocol ========================================================================= In its XX/XX/2025 response, Aidvantage cited CFPB Complaint ID XXXX was filed against XXXX the basis for initiating a fraud classification on my federal loan. \n========================================================================= This claim is demonstrably false. \n========================================================================= The referenced complaint does not mention identity theft, was not submitted against Aidvantage, and was never intended as a fraud-related dispute. Aidvantages use of this record to trigger internal fraud protocols constitutes a misrepresentation in a federal proceeding and may violate : ========================================================================= 18 U.S.C. 1001 False statements to a federal agency, ========================================================================= 12 U.S.C. 5536 ( a ) ( 2 ) Misrepresentation to a consumer or regulator, ========================================================================= FCRA 1681s-2 ( a ) ( 1 ) ( B ) Furnisher duty to correct inaccurate information. \n========================================================================= III. Transmission or Attempted Transmission of False Identity Theft Information ========================================================================= Aidvantage has either transmitted or attempted to transmit this false identity theft classification to one or more consumer reporting agencies through E-Oscar or equivalent systems. \n========================================================================= This conduct violates : ========================================================================= FCRA 1681e ( b ) Failure to ensure maximum possible accuracy, ========================================================================= 12 C.F.R. 1022.42 Accuracy and Integrity Rule under FACTA, ========================================================================= CFPB Bulletin 2014-01 Prohibition on furnishing misleading or false information. \nXXXX Aidvantage has not produced documentation identifying the system or person responsible for triggering the fraud classification despite multiple formal requests. \n========================================================================= IV. Procedural Suppression of the Official Regulatory Record ========================================================================= Aidvantages statement that multiple complaints regarding the same concerns will be responded to under one CFPB complaint number reflects a policy of collapsing distinct complaints to limit regulatory exposure. \n========================================================================= This tactic obstructs the integrity of the Bureaus public complaint system. Each complaint filed documents new dates, new legal violations, and escalating conduct. Collapsing separate records may violate : ========================================================================= 12 U.S.C. 5495 CFPB coordination and supervisory authority requirements. \n========================================================================= This behavior appears designed to evade systemic accountability for recurring violations. \n========================================================================= V. Enforcement Referral and Legal Preservation ========================================================================= Pursuant to the Bureaus statutory mandate under 12 U.S.C. 5495 ( Coordination ), I formally request that this matter be referred for supervisory and enforcement review, and that the Consumer Financial Protection Bureau coordinate with relevant federal and state agencies to ensure proper oversight, investigation, and legal remedy. \n========================================================================= The following agency referrals are warranted based on distinct legal authorities, each directly implicated by Aidvantages conduct : ========================================================================= 1. Consumer Financial Protection Bureau ( CFPB ) Enforcement Division ========================================================================= Aidvantages actions violate core provisions of the Fair Credit Reporting Act, including : ========================================================================= o 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : Duty of furnishers to correct and update inaccurate information.\n\n========================================================================= o 15 U.S.C. 1681i : Failure to conduct a reasonable reinvestigation upon notice of dispute.\n\n========================================================================= o 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) : Prohibition on deceptive or abusive acts or practices under the Consumer Financial Protection Act ( UDAAP ).\n\n========================================================================= These violations fall squarely within the CFPBs enforcement jurisdiction and implicate the agencys role in overseeing the accuracy and integrity of the credit reporting system.\n\n========================================================================= 2. Federal Trade Commission ( FTC ) ========================================================================= Aidvantages repeated misrepresentations to both consumer and regulatorparticularly its misuse of an unrelated CFPB complaint to justify a false fraud designationviolate the Federal Trade Commission Act, specifically : ========================================================================= o 15 U.S.C. 45 ( a ) : Prohibition on unfair or deceptive acts or practices in or affecting commerce. \n========================================================================= The FTC retains parallel jurisdiction over non-bank servicers and deceptive consumer-facing practices, and is positioned to investigate systemic misrepresentation or pattern violations. \n========================================================================= 3. Department of Justice ( DOJ ) Civil Division, Consumer Protection Branch ========================================================================= Aidvantages conduct may constitute federal offenses under : ========================================================================= a. 18 U.S.C. 1001 : False statements in matters within the jurisdiction of a federal agency.\n\n========================================================================= b. 18 U.S.C. 1341 : Mail fraud, based on the use of USPS to transmit materially false information.\n\n========================================================================= c. 18 U.S.C. 1343 : Wire fraud, where electronic systems ( including CFPB portal and E-Oscar transmissions ) were used to perpetuate misrepresentations. \n\n========================================================================= DOJ is authorized to initiate both civil and criminal proceedings where false statements or fraudulent schemes affect federal records or regulatory systems. \n========================================================================= 4. National Association of Attorneys General ( NAAG ) ========================================================================= Aidvantages conduct may violate multiple state-level consumer protection laws, including : ========================================================================= d. D.C. Consumer Protection Procedures Act ( CPPA ), D.C. Code 28-3904 ( e ), ( f ) : Prohibiting misrepresentation and omission of material facts in connection with consumer services. \n\n========================================================================= Given the multistate and federally regulated nature of the loan, a NAAG-coordinated review is appropriate under 5495s requirement for intergovernmental coordination to prevent regulatory evasion. \n\n\n========================================================================= All factual assertions, sworn affidavits, and certified documents are preserved in accordance with the Federal Rules of Evidence 902 and 1005. No further burden-shifting, misclassification, or procedural obfuscation by Aidvantage will be accepted. This matter now requires cross-agency supervisory action. \n========================================================================= Submitted by : XXXX XXXX XXXX","date_sent_to_company":"2025-04-09T23:35:29.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"20008","tags":null,"has_narrative":true,"complaint_id":"12896336","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2025-04-09T23:24:16.000Z","state":"DC","company_public_response":null,"sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["Code 28-3904 ( e ), ( f ) : Prohibiting misrepresentation and omission of material facts in connection with <em>consumer</em> services. \n\n========================================================================= Given the multistate and federally regulated nature of the loan, a NAAG-coordinated review is appropriate under 5495s requirement for intergovernmental coordination to <em>prevent</em> regulatory <em>evasion</em>. \n\n\n========================================================================= All factual assertions, sworn"]},"sort":[7.641066,"12896336"]},{"_index":"complaint-public-v1","_id":"6949309","_score":7.2580376,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I DENY your credit reporting agency is accurately reporting my information correctly. This is false and misleading information on my credit report and you are subject to a defamation and slander lawsuit as well as violations of the FCRA and united states constitution.\n\n5. I DENY I have any obligations or contracts with these companies. You have a statutory obligation to verify independently the accuracy the completeness of information on my credit report and your agency did not comply with the FCRA.\n\n6. I wrote previous request demanding you get it right but your investigators failed to do so. You are in violation of your own act by refusing to delete unverified information from my consumer profile. The companies that pay you for profit are without authorization and are intentionally invading my private matters. This has caused me mental anguish and suffering impairing my unalienable freedoms to life, liberty and pursuit of happiness by your negative reporting giving me a bad name which goes against my religious beliefs.\n\n7. I have a right to privacy in all financial matters You are allowing third parties to report monthly negative information on my credit report after several notices to your company asking to validate the debt and none has validated the debt according to the law. I have given notice to remove the debts and update late payments and complete a rapid rescore without cost but you have failed to do so.\n\n8. TAKE NOTICE that every company in dispute are only making claims but they havent proved that they loaned me any money. Bookkeeping entries that were allegedly made is an attempt to establish an alleged obligation or debt, and in which case, the entire matter would constitute fraud so you must remove the debt and I dont need to complete a police affidavit for you to remove it. It's simply inaccurate an unvalidated debt. Pursuant to KJV Matthew 5:37 Buy let your communication be, Yea, yea; Nay, nay : for whatsoever is more than these cometh of evil.\n\n9. WHEREFORE Petitioner gives notice of the following FCRA violations [ pursuant to ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. ] Also in violation of my right to dispute incomplete or inaccurate information, In violation of my right to remove old negative information in violation of not restricting who can access my report. Which has intern invaded my privacy.\n\nFINDINGS OF FACT II.\n\nRESPONDENT VIOLATED PETITIONERS UNALIENABLE RIGHTS PURSUANT TO THE FOLLOWING : Pursuant to 1781 United States Constitution 10. THE U.S Bill of Rights 1787 United States Constitution AMENDMENT I. Has Been Violated in the past.\n\n11. 1787 United States Constitution AMENDMENT IV. Has Been Violated in the past.\n\n12. 1787 United States Constitution AMENDMENT V. Has Been Violated in the past.\n\n13. 1787 United States Constitution AMENDMENT VI. Has Been Violated in the past.\n\n14. 1787 United States Constitution AMENDMENT VII. Has Been Violated in the past.\n\n15. 1787 United States Constitution ARTICLE I. SECTION 8 Has Been Violated in the past.\n\n16. 1787 United States Constitution ARTICLE I. SECTION 9. SUBSECTION 3. Has Been Violated in the past.\n\n17. 1787 United States Constitution ARTICLE I. SECTION 10. Has Been Violated in the past.\n\n18. 1787 United States Constitution ARTICLE IV. SECTION 1. Has Been Violated in the past.\n\n19. 1787 United States Constitution Art VI Classe I : Has Been Violated in the past.\n\nIII. AFFIDAVIT OF THE PETITIONER 20. I cook, Josephine being of sound mind, good moral character, having firsthand knowledge of the foregoing facts hereby, without any mental reservation or purpose of evasion, bare witness, state and declare that ; 21. Respondents Agree that they violated petitioners rights for failure show cause why they are entitled to violate the FCRA ( Title VI of the Consumer Credit Protection Act ) which protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. and 22. Respondent agree they have intentionally reported negative information on petitioners credit report without her consent and admit to the following violations of the 1787 United States Constitution Bill of Rights Amendment IV which protects my property ( I.e my credit ) from search and seizer which the debt collectors or alleged creditors has done, which is a violation of Bill of Rights ; and 23. Respondents agree and consent that they have failed to establish and follow reasonable procedures, as required by existing law, to establish the maximum level of accuracy of information contained on my consumer report and are out of compliance with their existing obligations.\n\n24. The Respondents agree and consent by allowing the presence of inaccurate or incomplete information to remain on my credit report has resulted in substantial financial and emotional harm. Which has lead me to loss of new employment opportunities in my industry which is Travel and Real estate and has prohibited me from being able to access credit on favorable terms. This has also prevented me from obtaining investment properties and triggering mental distress in my old age and living on a fixed income.\n\n25. Respondents agree that current industry practices impose an unfair burden of proof on me as a consumer with the effort I have made trying to fix errors on my credit report and you wont follow your existing law.\n\n26. Respondents agree that this inaccurate or incomplete information has also undermined the ability of creditors and lenders to effectively and accurately underwrite and price the credit I rightfully qualify for.\n\n27. Respondents agree that the inaccurate credit reporting has affected my life and as a result of the error on my consumer credit report this has been catastrophic for me to bear.\n\nRespondents agree they have participated in the improper use of my credit report, making it difficult to obtain a credit report and a credit score, credit monitoring and identity protection during my dispute process.\n\n28. Respondents agree that the debt collectors or alleged creditors never investigated the disputes and the investigation lacked detail and the investigation was not accompanied by attachments with relevant information.\n\n29. Respondents agree that you have burdened me by calling my disputes frivolous or failed to identify one self, or even worst that I am didnt write the dispute letters based on your educated guess.\n\n30. Respondents agree that they use quota systems to force employees to process disputes hastily and without the opportunity for conducting meaningful investigations. and punished those who didnt meet production numbers with probation. Therefore they agree that they are in this for unjust enrichment by conducting improper and inaccurate investigations affecting consumers like me. and they agree that they will continue to skirt their obligations under the law.\n\n31.Respondent agree that they did not follow the FCRA when performing a reasonable investigation and did not conduct a substantive search inquiry when I disputed the items on my consumer report. and 32. Respondents agree you did not conduct the proper independent review about the accuracy of any disputed item. You agree you only relied on a furnishers rubber stamp verification of the integrity of the information that was provided to you. and 33. Therefore you agree that you failed to adequately fulfill your dispute handling obligations, including by not forwarding to furnishers all relevant information found in letters and supporting documents supplied by me when I submitted my dispute.\n\n34. Respondents agree that the time it has taken me to consistently report my concerns to your credit reporting agency without success it has become frustrating, burdensome and a time-consuming process therefore Im within my right to sue you for the violations and 35. Respondents agree that they allowed third parties access my credit profile and reported negative information on my credit report without proper validation and you agree you have taken my property without due process of law pursuant to 1787 United States Constitution Article V. The credit bureaus can not take my property without due process of law or take it for public use without just compensation which XXXX XXXX Experian and XXXX have done in the past going against the Bill of Rights ; and 36. The Respondents agree they have violated 1787 U.S. Const Amendment VI. in the past when they never informed me of the nature and cause of the accusation ; to be confronted with the witnesses against me ; to have compulsory process for obtaining witnesses in my favor, before they took my credit reports and reported negative on my credit report, which is against the Bill of Rights, ( I.e slavery ) and 37.Respondent ( s ) consent and agree that they shocked, substantially burdened, controlled, and interfered with the religious conscience of the Petitioner, and prevented him from worshiping her God pursuant to the KJV Bible, Proverbs 22:1 which states : A good name is to be chosen rather than great riches, loving favor rather than silver and gold. and violated petitioners unalienable rights pursuant to 1787 U.S. Constitution Amendment 1 ; and 38. Respondents agree that the presence of inaccurate or incomplete information on my consumer credit report has resulted in substantial financial and emotional harm.. and 39. Respondent ( s ) agree that any previous negative items reporting on the credit report are void as they go against The 1787 Constitution of The United States 10 No State shall pass any bill of attainder, ex post facto law, or law impairing the obligation of contracts, or grant any title of nobility. and 40. Respondent ( s ) agree that as a non-government agency ( XXXX, Experian XXXX ) you agree that pursuant to The Constitution Of The United States ARTICLE 4. You allowed the alleged creditors to violate my right to privacy against unreasonable searches and seizures without my consent. and 41. Respondents agree I shouldnt have to incur a cost to keep my private information protected. ; and 42. Respondents agree that Any act of Congress repugnant to the Constitution can not become the law of the land. [ Maybury v Madison ] ; and 43. Respondent ( s ) agree not to accept mere journal entries as proof of validation with a matching address without having in your system the actually contract with a wet blue ink signature on it. Mere copies are not acceptable.\n\n44. Respondents agree I reserve the right to sue pursuant to Public Law 90-284 [ 18 U.S.C. 241, and 242 ], Public Law 103-141 [ 42 U.S.C. 2000bb, Religious Freedom Restoration Act of 1993 ], Public Law 39-26 [ 42 U.S.C. 1981, 1866 Civil Rights Act ] for deprivation of rights : and 45. Respondent ( s ) agree that failure to correct the credit reports to reflect my good name and good credit score within fourteen ( 14 ) days will be certified in a Default Judgment by the Notary to be issued and filed with the clerk of court ; 45. Respondent ( s ) agree and consent to Rapid Rescore without cost and agree to update late payments and remove collections judgments and charge offs and never place negative items on my credit report without my consent.\n\n2nd Notice Opportunity To Cure Errors are Still not complete Lawsuit is pending to be filed after my third attempt to correct my credit disclosure report. It appears I have been unsuccessful in my attempts. I have tried to work it out outside of court but look at all of these Errors this is inexcusable. These are unknown accounts and this report is full of inaccuracies and errors. They are still on my credit. This has caused me damage, pain and stress.\n\nAccording to the Fair Credit Reporting Act, Section 607 ( b ) of the ( FCRA ) requires you to take reasonable procedures for the purpose of verifying the accuracy and completeness of the information on my report. Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.\n\nI demand inaccuracies and incomplete and inconsistent information to be removed off of my credit report and I demand to see Verifiable Proof of ANY original Consumer Contract with my Signature on it if Im disputing it. You must have it on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit and employment. These accounts are either inaccurate and/or unknown. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.\n\nI DEMAND BELOW ITEMS UNKNOWN COLLECTIONS AND INCOMPLETE AND INACCURATE INFORMATION BE DEETED OFF MY CREDIT REPORT IMMEDIATELY.\n\nPlease remove All previous addresses those are inaccurate. \nXXXX I am disputing this item. This account is unknown remove for unknown collection. How did you verify this account? Where is the document that would prove this? Furnish immediately a signed contract or remove this account. \nXXXX XXXX XXXX is an unknown collection The Date Opened is inconsistent, the account status is inconsistent, this account its showing Closed than shows open, then shows no status between the XXXX credit bureaus. How did you verify this account? Where is the document that would prove this? Furnish immediately a signed contract or remove this account. \n\nXXXX XXXX I am currently disputing this item this account is an unknown collection. The number of months and terms are inaccurate and inconsistent with the XXXX other credit bureaus. The Date of last payment is inconsistent with the XXXX credit bureaus. The Account type is inconsistent with the XXXX credit bureaus showing unknown -credit extension, review or collection which is it? I dont know this account. I demand this be removed immediately. What was your method of verification? Send me proof of the validation or remove this account for failure to perform a proper investigation. \nXXXX I am disputing this item. This is an unknown collection How did you verify this account? Where is the document that would prove this? Furnish immediately a signed contract or remove this account. \nXXXX XXXX XXXX This account is inaccurate and incomplete The dates opened are incorrect on all three credit bureaus. The High Balance is incorrect it says XXXX and it says balance owed is incorrect, remove the comments as they are incorrect and the payment account is inconsistent and incorrect. The pay history is unreported inconsistent and incorrect. The XXXX payment shows late I was never late update to paid as agreed. So what was your method of verification? Send me proof of validation or update my payment status I was never late. You're failing to perform a proper investigation. \nXXXX XXXX XXXX This account is inaccurate and incomplete remove the comments Auto Fixed Rate Date of Last payment is inconsistent and inaccurate. I was never late update to paid as agreed. The Number of months are incorrect and inconsistent. The Pay history is not reporting and its inconsistent. So what was your method of verification? Send me proof of validation or update this account to show paid as agreed and no late payments. \nXXXX XXXX XXXX This account is inaccurate and incomplete Date of last payment is inconsistent. So what was your method of verification? Send me proof of validation or remove this account for failure to perform a proper investigation. \n\n\n\nXXXX XXXX Not Owing the Debt","date_sent_to_company":"2023-05-08T21:22:32.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"44121","tags":null,"has_narrative":true,"complaint_id":"6949309","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-05-08T21:17:41.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["WHEREFORE Petitioner gives notice of the following <em>FCRA</em> violations [ pursuant to ( Title VI of the <em>Consumer</em> Credit Protection Act ) protects information collected by <em>consumer</em> reporting agencies such as credit bureaus, medical information companies and tenant screening services."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"sub_product":["Other personal <em>consumer</em> report"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[7.2580376,"6949309"]},{"_index":"complaint-public-v1","_id":"7598442","_score":5.944176,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX\n\nReference # XXXXXXXX XXXX XXXX XXXX undated notice/letter\n\nDear Debt Collector:\n\nIt was a bright cold day in XXXX and the clocks were striking thirteen, XXXX XXXX XXXX XXXX XXXX XXXX In this case, Defendants argument is like the thirteenth chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida, in case # XXXX, wrote the above OPENING LINE at Page 1 by quoting the famous opening line of XXXX XXXX dystopian novel XXXX the book that introduced the world to the concept of XXXX XXXX XXXX XXXX  OPENING LINE sets the stage of exactly what to expect in his XXXX  page scathing decision in his Order on Motions for Preliminary Injunctions filed XXXX.  The XXXX  thirteenth strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the XXXX world of XXXX XXXX the clocks striking thirteen is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the Novel XXXX  writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant XXXX XXXX quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the totalitarian XXXX Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score was impossibly reduced on my XXXX credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof XXXX dying XXXX  year old XXXX XXXX on Social Security whose bills were required to be paid by my Medicare and other insurance???  Since it is alleged you received $XXXX obviously that is enough and you must cease and desist communication and rebill insurance if your non-profit client is so desperate that it gives illegal aliens a free ride yet over bills US citizen XXXX  with insurance required to pay 100%. Why would I or anyone ever go back to Orlando Health???  Are they insane???  Is a fee of maybe $XXXX worth your time when you cannot report any nonpayment under $600 on my credit report? Do you plan to willfully violate the FCRA and FDCPA so I can obtain statutory damages of $XXXX per violation plus XXXX fold punitive damages per XXXX XXXX XXXX XXXX Do you want the CFPB and other regulators to come after you and your clients for fraudulent and deceptive practices? At a minimum, I demand every detailed document that exists including videos, regarding the alleged procedure including agreements, charges and notes by service providers.  Everything.  In XXXX XXXX Congress passed the NO SURPRISES ACT (NSA) which you and your client have willfully violated.  The NSA established rules outlining the need for providers to establish an independent dispute resolution process which prohibits your attempt to coerce me into paying bills that are more than what is actually owed. Obviously, you and your client have violated the obligations  imposed by the FDCPA with regard to interactions with health laws and regulations.  The CFPB issued a XXXX bulletin reminding debt collectors that attempting to collect a debt from a charge that exceeds the amount permitted by the NSA would violate the FDCPA.  Health care providers that generate an invoice that violated the NSA would also be held liable for the actions of debt collectors acting on other behalf.  Debt collectors and their clients would also willfully violate the FCRA if they report that a consumer must pay a debt from a charge that exceeds the amount permitted by the NSA.  Judge Walker needed 139 pages to address the obvious.  Your appropriate response requires many many many more than 139 pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be STUPID!!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, which I demand a copy of any agreement, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin 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 --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(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;\n(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\n(5) a statement that, upon the consumer's 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.\n(b) Disputed debts\nIf the consumer notifies 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 verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified 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 communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I will make as many CFPB complaints regarding FCRA and other violations needed to stop you and I suspect that the recent XXXX XXXX CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page XXXX XXXX  Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of XXXX XXXX  dated XXXX XXXX XXXX  and XXXX August 12, 2023 and  the account number referenced in your letter is not included in my credit reports, so be warned about your obligations under the XXXX XXXX compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under XXXX XXXX  to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX and XXXX credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced due to XXXX, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via XXXX XXXX and other data submissions to purposely damage my credit score for a sinister purpose. XXXX XXXX  IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe any account with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In XXXX XXXX, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an XXXX XXXX citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, Rohit Chopra, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX  years old XXXX  female and American with XXXX  in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, XXXX a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by 200 points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the XXXX XXXX  code AW into every account?  Do you even know what AW means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXX XXXX  bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $XXXX  to gain nothing?  Do you think you can avoid my USDC DISCOVERY requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of $1,000 shall be sought against every violator, plus punitive damages.  XXXX XXXX is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including XXXX XXXX which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by XXXX and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code XXXX XXXX except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under XXXX XXXX  Why is data reported on XXXX XXXX  but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by XXXX XXXX and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the XXXX XXXX  system.  Again, I need every document, including every XXXX XXXX  submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via XXXX XXXX Moreover, many of the XXXX XXXX data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or XXXX XXXX  protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under XXXX XXXX.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $100,000+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $10,000,000+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  XXXX XXXX  protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of F","date_sent_to_company":"2023-09-24T15:03:41.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"32836","tags":null,"has_narrative":true,"complaint_id":"7598442","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Receivables Management Partners, LLC","date_received":"2023-09-24T14:48:15.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the <em>FCRA</em>, FDCPA, the Dodd-Frank Act, as well as to <em>prevent</em> <em>evasions</em> thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to <em>consumers</em>.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations."]},"sort":[5.944176,"7598442"]},{"_index":"complaint-public-v1","_id":"7625065","_score":5.9168825,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint)\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nReference: XXXX  Synchrony Bank XXXX  Reference: XXXX  Synchrony Bank XXXX  Reference: XXXX  Synchrony Bank XXXX  \nSynchrony Bank, Legal Operations\nAttention: Arbitration Demand XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nRe: American Arbitration Association consumer demands for arbitration case filings filed 9/17/2023 styled: Thomas Schultz versus Synchrony Bank awaiting filing fee payments billed for $600 for each case from Synchrony Bank as consumer AAA filing fees satisfied/paid \n\nDear Debt Collector:\n\nIt was a bright cold day in April, and the clocks were striking thirteen, XXXX XXXX XXXX at 1 (1961). In this case, Defendants argument is like the thirteenth chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court Judge Mark E. Walker, Northern District of Florida, in case # 4:22-cv-00324-MW-MAF, wrote the above OPENING LINE at Page 1 by quoting the famous opening line of George Orwells dystopian novel 1984, the book that introduced the world to the concept of BIG BROTHER.  Judge Walkers OPENING LINE sets the stage of exactly what to expect in his 139 page scathing decision in his Order on Motions for Preliminary Injunctions filed 11/17/2022.  The 1984 thirteenth strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the 1984 world of BIG BROTHER, the clocks striking thirteen is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the Novel 1984 writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant Orwellian 1984 quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the totalitarian 1984 Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score, per the attached exhibit, was impossibly reduced to 0 on May 14, 2023 based on my Equifax credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof handicapped dying Senior Citizen on Social Security with a ZERO (0) credit score???  Judge Walker needed 139 pages to address the obvious.  Your appropriate response requires many many many more than 139 pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be STUPID!!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin 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 --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(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;\n(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\n(5) a statement that, upon the consumer's 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.\n(b) Disputed debts\nIf the consumer notifies 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 verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified 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 communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent March 2023 CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page Metro 2 Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of Trans Union dated August 3, 2023 and Experian August 12, 2023 and  the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the Metro 2 compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under Metro 2 to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my TransUnion and Experian credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced to ZERO on 5/14/2023 based on my 5/14/2023 Equifax credit report due to IDIOTS, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via Metro 2 and other data submissions to purposely damage my credit score to ZERO for a sinister purpose. BIG BROTHER IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In September 2022, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an elderly senior citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, Rohit Chopra, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a 74 years old elder male and American with Disabilities in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by 200 points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the Metro 2 code AW into every account?  Do you even know what AW means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal Chapter 7 bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $50,000 to gain nothing?  Do you think you can avoid my USDC DISCOVERY requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of $1,000 shall be sought against every violator, plus punitive damages.  Metro 2 is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including Metro 2, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by COVID-19 and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code Metro 2 except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under Metro 2.  Why is data reported on Metro 2 but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by Metro 2 and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the Metro 2 system.  Again, I need every document, including every Metro 2 submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via Metro 2. Moreover, many of the Metro 2 data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or Metro 2 protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under Metro 2.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $100,000+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $10,000,000+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  Metro 2 protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In ad","date_sent_to_company":"2023-10-01T14:38:55.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"7625065","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2023-10-01T14:10:14.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the <em>FCRA</em>, FDCPA, the Dodd-Frank Act, as well as to <em>prevent</em> <em>evasions</em> thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to <em>consumers</em>.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[5.9168825,"7625065"]},{"_index":"complaint-public-v1","_id":"8189093","_score":5.878396,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint)\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida. XXXX XXXX XXXX XXXX XXXX XXXX (ref XXXX)\nXXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX (Acct # XXXX XXXX)\n\nProposed 3 Arbitration cases with XXXX  and/or XXXX  \n(Case 1) XXXX XXXX XXXX XXXX XXXX  \n(Case 2) XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\n(Case 3) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  \n\nClaimants unilateral right and election for a separate THREE-ARBITRATOR panel and tribunal  for every XXXX  case due to the normal mandatory default for complex claims exceeding $XXXX with the 3 Arbitrator panel selected exclusively by Claimant\n\nDear Debt Collector:\n\nIt was a bright cold day in XXXX, and the clocks were striking thirteen, XXXX XXXX XXXX XXXX XXXX XXXX. In this case, Defendants argument is like the thirteenth chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court Judge XXXX XXXX XXXX XXXX XXXX XXXX  Florida, in case # XXXX, wrote the above OPENING LINE at Page 1 by quoting the famous opening line of XXXX XXXX XXXX XXXX XXXX, the book that introduced the world to the concept of XXXX XXXX  XXXX XXXX XXXX XXXX sets the stage of exactly what to expect in his XXXXXXXX XXXX XXXX decision in his Order on Motions for Preliminary Injunctions filed XXXXXXXX.  The 1984 thirteenth strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the XXXX world of XXXX XXXX, the clocks striking thirteen is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the XXXX XXXX writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant XXXX XXXX quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the XXXX XXXX Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score, per the attached exhibit, was impossibly reduced to XXXX on XXXX XXXX XXXX based on my XXXX  credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof handicapped dying XXXX  Citizen on Social Security with a XXXX  (XXXX) credit score???  XXXX XXXX XXXX XXXX XXXX to address the obvious.  Your appropriate response requires many many many more than XXXX  pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be XXXX!!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin 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 --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(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;\n(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\n(5) a statement that, upon the consumer's 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.\n(b) Disputed debts\nIf the consumer notifies 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 verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified 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 communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XXXX XXXX  CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page XXXX XXXX  Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of XXXX XXXX dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and  the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the XXXX XXXX  compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under XXXX XXXX  to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX  and XXXX  credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced to XXXX  on XXXX based on my XXXX XXXX  credit report due to IDIOTS, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via XXXX XXXX and other data submissions to purposely damage my credit score to XXXX  for a sinister purpose. XXXX XXXX IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In XXXX XXXX, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an elderly senior citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, XXXX XXXX in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX XXXX XXXX elder male and American with Disabilities in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX  points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the XXXX XXXX code AW into every account?  Do you even know what AW means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXX  7 bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $XXXX to gain nothing?  Do you think you can avoid my XXXX XXXX requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently XXXX  in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of $1,000 shall be sought against every violator, plus punitive damages.  Metro 2 is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including XXXX XXXX, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by XXXX  and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code XXXX XXXX except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under XXXX XXXX.  Why is data reported on XXXX XXXX but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by XXXX XXXX and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the XXXX XXXX system.  Again, I need every document, including every XXXX XXXX submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via XXXX XXXX. Moreover, many of the XXXX XXXX data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or XXXX XXXX protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under XXXX XXXX.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $100,000+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $10,000,000+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have XXXX  liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  XXXX XXXX  protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreem","date_sent_to_company":"2024-01-19T16:35:31.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"8189093","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"InvestiNet LLC","date_received":"2024-01-19T16:24:05.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the <em>FCRA</em>, FDCPA, the Dodd-Frank Act, as well as to <em>prevent</em> <em>evasions</em> thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to <em>consumers</em>.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations."]},"sort":[5.878396,"8189093"]},{"_index":"complaint-public-v1","_id":"8181882","_score":5.878396,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\n\nClaimants unilateral right and election for a separate THREE-ARBITRATOR panel and tribunal  for every XXXX case due to the normal mandatory default for complex claims exceeding XXXXXXXX  with the 3 Arbitrator panel selected exclusively by Claimant\n\nDear Debt Collector:\n\nIt was a bright cold day in XXXX, and the clocks were striking XXXX, XXXX XXXX XXXX at 1 (XXXX). In this case, Defendants argument is like the XXXX  chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court Judge XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, in case XXXX XXXX wrote the above OPENING LINE at Page 1 by quoting the famous opening line of XXXX XXXX XXXX XXXX XXXXXXXX, the book that introduced the world to the concept of XXXX XXXX.  Judge XXXX  OPENING LINE sets the stage of exactly what to expect in his 139 page scathing decision in his Order on Motions for Preliminary Injunctions filed XXXXXXXX.  The XXXX XXXX strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the XXXX  world of XXXX XXXX, the clocks striking thirteen is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the XXXX XXXX writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant XXXX  XXXX  quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the totalitarian XXXX  Party, can make outrageous false claims, such as XXXX XXXX XXXX XXXX XXXX, but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score, per the attached exhibit, was impossibly reduced to XXXX  on XXXX XXXX XXXX based on my XXXX  credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof handicapped dying XXXX  XXXX  on Social Security with a XXXX  (XXXX) credit score???  Judge XXXX  needed 139 pages to address the obvious.  Your appropriate response requires many many many more than 139 pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be XXXX!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin 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 --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(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;\n(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\n(5) a statement that, upon the consumer's 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.\n(b) Disputed debts\nIf the consumer notifies 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 verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified 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 communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XXXX XXXX CFPB DATA BREACH affecting at least XXXX consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page Metro 2 Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of Trans Union dated XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX and  the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the Metro 2 compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under Metro 2 to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my TransUnion and XXXX  credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced to XXXX  on XXXX  based on my XXXXXXXX XXXX  credit report due to XXXX, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via Metro 2 and other data submissions to purposely damage my credit score to XXXX  for a sinister purpose. XXXX XXXX IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In XXXX XXXX, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an XXXX XXXX XXXX I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, XXXX XXXX, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX  points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the Metro 2 code XXXX into every account?  Do you even know what XXXX  means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXXXXXX XXXX XXXX relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator XXXXXXXX  to gain nothing?  Do you think you can avoid my XXXX XXXX requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of XXXX   shall be sought against every violator, plus punitive damages.  Metro 2 is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including Metro 2, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by COVID-19 and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code Metro 2 except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under Metro 2.  Why is data reported on Metro 2 but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by Metro 2 and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the Metro 2 system.  Again, I need every document, including every Metro 2 submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via Metro 2. Moreover, many of the Metro 2 data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires XXXX XXXX XXXX XXXX to handle CFPB disputes without any knowledge of the FCRA or Metro 2 protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under Metro 2.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth XXXX XXXX attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding XXXXXXXX+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have XXXX  liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  Metro 2 protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreem","date_sent_to_company":"2024-01-19T16:53:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"8181882","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-01-19T16:52:55.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the <em>FCRA</em>, FDCPA, the Dodd-Frank Act, as well as to <em>prevent</em> <em>evasions</em> thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to <em>consumers</em>.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[5.878396,"8181882"]},{"_index":"complaint-public-v1","_id":"7588805","_score":5.8778534,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint)\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida. XXXX XXXX XXXX XXXX Pollack & RosenXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX  \nReference # XXXX  back-dated attached XXXX XXXX XXXX. Notice of XXXX but mailed about XXXX and delivered XXXX and received XXXX\n\nDear Debt Collector:\n\nIt was a bright cold day in XXXX, and the clocks were striking XXXX, XXXX XXXX XXXX at 1 (XXXX). In this case, Defendants argument is like the XXXX  chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court Judge XXXX XXXX XXXX, XXXX  District of Florida, in case # XXXX, wrote the above OPENING LINE at Page 1 by quoting the famous opening line of XXXX XXXX  XXXX XXXX XXXX, the book that introduced the world to the concept of XXXX XXXX.  Judge XXXX  OPENING LINE sets the stage of exactly what to expect in his 139 page scathing decision in his Order on Motions for Preliminary Injunctions filed XXXX.  The XXXX  XXXX  strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the XXXX  world of XXXX XXXX, the clocks striking XXXX  is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the Novel XXXX  writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant XXXX XXXX quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the totalitarian XXXX  Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score, per the attached exhibit, was impossibly reduced to XXXX  on XXXX XXXX XXXX based on my XXXX  credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof XXXX  dying XXXX  Citizen on Social Security with a XXXX  (XXXX) credit score???  Judge XXXX  needed 139 pages to address the obvious.  Your appropriate response requires many many many more than 139 pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be STUPID!!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin 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 --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(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;\n(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\n(5) a statement that, upon the consumer's 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.\n(b) Disputed debts\nIf the consumer notifies 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 verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified 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 communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XXXX XXXX CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page XXXX XXXX  Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of XXXX XXXX dated XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX and  the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the XXXX XXXX compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under XXXX XXXX to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX  and XXXX  credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced to XXXX  on XXXX based on my XXXX XXXX  credit report due to IDIOTS, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via XXXX XXXX and other data submissions to purposely damage my credit score to XXXX  for a sinister purpose. XXXX XXXX IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In XXXX XXXX, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an XXXX  XXXX  citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, XXXX XXXX, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX years old XXXX  male and American XXXX XXXX XXXX XXXX XXXX and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the XXXX XXXX code XXXX  into every account?  Do you even know what XXXX  means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXX  7 bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $50,000 to gain nothing?  Do you think you can avoid my USDC DISCOVERY requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of $XXXX shall be sought against every violator, plus punitive damages.  XXXX XXXX is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including XXXX XXXX, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by XXXX and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code XXXX XXXX except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under XXXX XXXX.  Why is data reported on XXXX XXXX but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by XXXX XXXX and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the XXXX XXXX system.  Again, I need every document, including every XXXX XXXX  submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via XXXX XXXX. Moreover, many of the XXXX XXXX data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or XXXX XXXX protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under XXXX XXXX.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $XXXX+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $XXXX+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  XXXX XXXX protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.\n\n Tell me when the creditor claims this debt became due and when it became delinquent.\n\n Identify the date of the last payment and amount made on this account.\n\n Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires","date_sent_to_company":"2023-09-22T11:30:06.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"7588805","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Pollack & Rosen, P.A.","date_received":"2023-09-22T11:22:52.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the <em>FCRA</em>, FDCPA, the Dodd-Frank Act, as well as to <em>prevent</em> <em>evasions</em> thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to <em>consumers</em>.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations."]},"sort":[5.8778534,"7588805"]},{"_index":"complaint-public-v1","_id":"7535422","_score":5.8778534,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint)\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida. XXXX  \nXXXX XXXX, XXXX  \nRAS LaVrar, LLC\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX  \nReference # XXXX  & XXXX  dated XXXX XXXX XXXX & XXXX  Received on XXXX XXXX, XXXX  \nDear Debt Collector:\n\nIt was a bright cold day in XXXX, and the clocks were striking XXXX, XXXX  XXXX, XXXX  at XXXX  (XXXX). In this case, Defendants argument is like the thirteenth chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court Judge XXXX XXXX XXXX, XXXX District of Florida, in case # XXXX, wrote the above OPENING LINE at Page 1 by quoting the famous opening line of XXXX XXXX XXXX XXXX XXXX, the book that introduced the world to the concept of BIG BROTHER.  Judge XXXX  OPENING LINE sets the stage of exactly what to expect in his 139 page scathing decision in his Order on Motions for Preliminary Injunctions filed XXXXXXXX.  The XXXX  XXXX  strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the XXXX  world of BIG BROTHER, the clocks striking XXXX  is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the Novel XXXX  writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant XXXX  XXXX  quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the totalitarian XXXX  Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score, per the attached exhibit, was impossibly reduced to XXXX  on XXXX XXXX XXXX based on my XXXX  credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof handicapped dying XXXX  Citizen on Social Security with a XXXX  (XXXX) credit score???  Judge Walker needed 139 pages to address the obvious.  Your appropriate response requires many many many more than 139 pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be XXXX!!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin 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 --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(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;\n(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\n(5) a statement that, upon the consumer's 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.\n(b) Disputed debts\nIf the consumer notifies 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 verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified 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 communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XXXX XXXX CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page XXXX XXXX Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of XXXX XXXX dated XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX and  the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the XXXX XXXX compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under XXXX XXXX  to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX  and XXXX  credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced to XXXX  on XXXX based on my XXXX XXXX credit report due to XXXX, XXXX, XXXX, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via XXXX XXXX and other data submissions to purposely damage my credit score to XXXX  for a sinister purpose. BIG BROTHER IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In XXXX XXXX, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an XXXX  XXXX citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, XXXX XXXX, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX  years old XXXX  male and XXXX XXXX XXXXXXXX  in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX  points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the XXXX XXXX  code AW into every account?  Do you even know what AW means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXX  7 bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $XXXX  to gain nothing?  Do you think you can avoid my XXXX XXXX requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of $XXXX  shall be sought against every violator, plus punitive damages.  XXXX XXXX is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including XXXX XXXX, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by XXXX and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code XXXX XXXX except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under XXXX XXXX.  Why is data reported on XXXX XXXX but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by XXXX XXXX and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the XXXX XXXX system.  Again, I need every document, including every XXXX XXXX submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via XXXX XXXX  Moreover, many of the XXXX XXXX  data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or XXXX XXXX protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under XXXX XXXX.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $XXXX+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $XXXX+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory XXXX XXXX protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.\n\n Tell me when the creditor claims this debt became due and when it became delinquent.\n\n Identify the date of the last payment and amount made on this account.\n\n Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.\n\nDetails a","date_sent_to_company":"2023-09-12T11:16:45.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"7535422","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"RAS LaVrar, LLC","date_received":"2023-09-12T11:08:32.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the <em>FCRA</em>, FDCPA, the Dodd-Frank Act, as well as to <em>prevent</em> <em>evasions</em> thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to <em>consumers</em>.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations."]},"sort":[5.8778534,"7535422"]},{"_index":"complaint-public-v1","_id":"6944199","_score":5.87603,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX\n\nXX/XX/XXXX\n\nXXXX XXXX, XXXX.\nFormerly known as Patrick A. Carey, P.A.\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX\n\nYour Reference File # XXXX\n\nDear Debt Collector:\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin 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 --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(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;\n(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\n(5) a statement that, upon the consumer's 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.\n(b) Disputed debts\nIf the consumer notifies 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 verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified 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 communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XX/XX/XXXX CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page XXXX XXXX Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire credit reports of XXXX XXXX  dated XX/XX/ and XXXX dated XX/XX/XXXXand the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the XXXX XXXX compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under MXXXX XXXX  to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX and XXXX credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In XX/XX/XXXX, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an XXXX XXXX citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, Rohit Chopra, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX XXXX XXXX XXXX male and American XXXX XXXX in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the XXXX XXXX code AW into every account?  Do you even know what AW means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXX XXXX XXXX relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $50,000 to gain nothing?  Do you think you can avoid my USDC DISCOVERY requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of XXXX shall be sought against every violator, plus punitive damages.  XXXX XXXX is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including XXXX XXXX, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by XXXX and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code XXXX XXXX except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under XXXX XXXX.  Why is data reported on XXXX XXXX but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by XXXX XXXX  and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the XXXX XXXX  system.  Again, I need every document, including every XXXX XXXX  submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via XXXX XXXX. Moreover, many of the XXXX XXXX data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or XXXX XXXX  protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under XXXX XXXX.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth XXXX in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding XXXX?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  XXXX XXXX  protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.\n\n Tell me when the creditor claims this debt became due and when it became delinquent.\n\n Identify the date of the last payment and amount made on this account.\n\n Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.\n\nDetails about your authority to collect this debt.\n\n I would like more information about your firm before I discuss (in writing, of course) the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name and previous names on the license, the license number, the valid status of the license and the name, address and telephone number of the state agency issuing the license.  Also provide me with any name currently and previously included as a debt collector for making CFPB complaints on its website.  \n\n If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.\n\nI have asked for this information because I have some questions. I need to hear from you in writing with all documentation requested herein to make an informed decision about your claim that I owe this money. I expect a one time written communication for this purpose but only in writing provided you fully address each and every item of requested data I seek.  In order to make sure that I am not put at any disadvantage, in the meantime please treat this purported debt as being in dispute in its entirety. Nothing contained in my letter should be construed in any way as an admission of any responsibility whatsoever for the purported claim.  Failure to respond in writing controverting my allegations and points shall be deemed your admission by your non response  and all conflicts shall be resolved in my favor. \n\nIn addition to providing the information requested above, please let me know whether you are prepared to pay me for statutory and punitive damages in an amount not less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will pay me to fully resolve the account with an exchange of mutual general releases which, of course, would require permanent deletion from every CRA file of any reported data, if any.\n\nIn addition to the Federal Fair Debt Collection Practices Act, the Florida Consumer Collection Practices Act prohibits harassment, false or misleading statements and unfair practices by collection agencies and debt collectors. Some violations of these acts are listed below:\n1. They threaten to tell your employer or neighbors about the debt;\n2. Threaten violence against you;\n3. Threaten to have you arrested;\n4. Communicate with you or your spouse more than three times a week;\n5. Harass, intimidate, threaten or embarrass you;\n6. Imply that documents sent to you are legal documents or government\ndocuments;\n7. Imply that you can be deported; or\n8. Solicit a postdated check in order to threaten criminal prosecution.\n\nThe CFPB and advocates recommend consumers to also check to see if their state licenses debt collectors and if the company that is contacting them is licensed. If a state does not license debt collectors, check the registry for a neighboring state. Some states also provide licensing information to the Nationwide Multistate Licensing System at XXXX. That website will thus provide a few more states where the debt collector might be licensed.  I purposely repeat myself to make it clear that I need to know complete details of what licenses you are required to have and what licenses you have.  \n\nThe CFPB and others recommend the Stop Contact or Cease Letter strategy to stop collection harassment by writing the collector a stop contact letter, also called a cease letter. Then the collector can only acknowledge the letter and notify the consumer about legal steps the collector may take. This protection usually only applies to collection agencies hired by the creditor or debt buyers that purchased debts from the creditor, but even creditors collecting their own debts must honor such requests as basic agency law requires creditors to be respons","date_sent_to_company":"2023-05-05T12:40:18.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"6944199","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PATRICK A. CAREY, P.A.","date_received":"2023-05-05T12:30:21.000Z","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":["You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the <em>FCRA</em>, FDCPA, the Dodd-Frank Act, as well as to <em>prevent</em> <em>evasions</em> thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to <em>consumers</em>.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations."]},"sort":[5.87603,"6944199"]},{"_index":"complaint-public-v1","_id":"6926616","_score":5.8756227,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida. XXXXXX/XX/2023\nRAS LaVrar, LLC\nXX/XX/FL XXXX  \nYour Reference XXXX XXXX  \nDear Debt Collector:\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin 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 --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(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;\n(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\n(5) a statement that, upon the consumer's 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.\n(b) Disputed debts\nIf the consumer notifies 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 verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified 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 communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by XXXX  mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by XXXX  every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by XXXX  mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The XXXX, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my XXXX  mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the XXXX  tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and XXXX  errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XXXX XXXX CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page Metro 2 Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire credit reports of XXXX XXXX dated XX/XX/2023 and XXXX datedXX/XX/2023 and the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the Metro 2 compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under Metro 2 to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX and XXXX credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In XXXX XXXX I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an elderly senior citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even XXXX  attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, Rohit Chopra, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX  years old XXXX XXXXXXXX and American with XXXX in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX XXXX totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the Metro 2 code XXXX into every account?  Do you even know what XXXX means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXX XXXX bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator XXXXXXXX to gain nothing?  Do you think you can avoid my XXXX  XXXX requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of XXXXXXXX shall be sought against every violator, plus punitive damages.  Metro 2 is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including Metro 2, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by COVID-19 and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code Metro 2 except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully. If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent? More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under Metro 2. Why is data reported on Metro 2 but concealed from my paper credit reports? Why do my paper credit reports only contain a small portion of data reported by Metro 2 and contained in my credit file? How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers? How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the Metro 2 system. Again, I need every document, including every Metro 2 submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via Metro 2. Moreover, many of the Metro 2 data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data. Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or Metro 2 protocols and obligations. I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under Metro 2. Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day. Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $100,000+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $10,000,000+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory Metro 2 protocols have been compliant or violated. If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.\n\n Tell me when the creditor claims this debt became due and when it became delinquent.\n\n Identify the date of the last payment and amount made on this account.\n\n Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.\n\nDetails about your authority to collect this debt.\n\n I would like more information about your firm before I discuss (in writing, of course) the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name and previous names on the license, the license number, the valid status of the license and the name, address and telephone number of the state agency issuing the license.  Also provide me with any name currently and previously included as a debt collector for making CFPB complaints on its website.  \n\n If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.\n\nI have asked for this information because I have some questions. I need to hear from you in writing with all documentation requested herein to make an informed decision about your claim that I owe this money. I expect a one time written communication for this purpose but only in writing provided you fully address each and every item of requested data I seek.  In order to make sure that I am not put at any disadvantage, in the meantime please treat this purported debt as being in dispute in its entirety. Nothing contained in my letter should be construed in any way as an admission of any responsibility whatsoever for the purported claim.  Failure to respond in writing controverting my allegations and points shall be deemed your admission by your non response  and all conflicts shall be resolved in my favor. \n\nIn addition to providing the information requested above, please let me know whether you are prepared to pay me for statutory and punitive damages in an amount not less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will pay me to fully resolve the account with an exchange of mutual general releases which, of course, would require permanent deletion from every CRA file of any reported data, if any.\n\nIn addition to the Federal Fair Debt Collection Practices Act, the Florida Consumer Collection Practices Act prohibits harassment, false or misleading statements and unfair practices by collection agencies and debt collectors. Some violations of these acts are listed below:\n1. They threaten to tell your employer or neighbors about the debt;\n2. Threaten violence against you;\n3. Threaten to have you arrested;\n4. Communicate with you or your spouse more than three times a week;\n5. Harass, intimidate, threaten or embarrass you;\n6. Imply that documents sent to you are legal documents or government\ndocuments;\n7. Imply that you can be deported; or\n8. Solicit a postdated check in order to threaten criminal prosecution.\n\nThe CFPB and advocates recommend consumers to also check to see if their state licenses debt collectors and if the company that is contacting them is licensed. If a state does not license debt collectors, check the registry for a neighboring state. Some states also provide licensing information to the XXXX XXXX XXXX XXXX at XXXX. That website will thus provide a few more states where the debt collector might be licensed.  I purposely repeat myself to make it clear that I need to know complete details of what licenses you are required to have and what licenses you have.  \n\nThe CFPB and others recommend the Stop Contact or Cease Letter strategy to stop collection harassment by writing the collector a stop contact letter, also called a cease letter. Then the collector can only acknowledge the letter and notify the consumer about legal steps the collector may take. This protection usually only applies to collection agencies hired by the creditor or debt buyers that purchased debts from the creditor, but even creditors collecting their own debts must honor such requests as basic agency law requires creditors to be responsible for actions of the bill collector agents","date_sent_to_company":"2023-05-03T20:45:56.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"6926616","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"RAS LaVrar, LLC","date_received":"2023-05-03T20:33:40.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the <em>FCRA</em>, FDCPA, the Dodd-Frank Act, as well as to <em>prevent</em> <em>evasions</em> thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to <em>consumers</em>.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations."]},"sort":[5.8756227,"6926616"]},{"_index":"complaint-public-v1","_id":"8189166","_score":5.8670564,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint)\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  \nXXXX XXXX XXXX XXXX XXXX  (ref XXXX)\nXXXX XXXX XXXX XXXX, SC XXXX  \nCrown Asset Management,LLC\n\nXXXXXXXX XXXX XXXX (Acct # XXXX XXXX)\n\nProposed 3 Arbitration cases with XXXX  and/or XXXX  \n(Case 1) XXXX XXXX XXXX XXXX XXXX\n\n(Case 2) XXXX XXXX XXXX Crown Asset Management, LLC \n(Case 3) XXXX XXXX XXXX Crown Asset Management, LLC Claimants unilateral right and election for a separate THREE-ARBITRATOR panel and tribunal  for every XXXX  case due to the normal mandatory default for complex claims exceeding $XXXX with the 3 Arbitrator panel selected exclusively by Claimant\n\nDear Debt Collector:\n\nIt was a bright cold day in XXXX, and the clocks were striking XXXX, XXXX XXXX XXXX XXXX XXXX (XXXX). In this case, Defendants argument is like the XXXX  chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court Judge XXXX XXXX XXXX XXXX XXXX XXXX  Florida, in case # XXXX, wrote the above OPENING LINE at Page 1 by quoting the famous opening line of XXXXXXXX XXXX XXXX XXXX XXXX, the book that introduced the world to the concept of XXXX XXXX. XXXX XXXX OPENING LINE sets the stage of exactly what to expect in his 139 page scathing decision in his Order on Motions for Preliminary Injunctions filed XXXX.  The XXXX XXXX strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the XXXX  world of XXXX XXXX, the clocks striking thirteen is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the Novel XXXX  writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant XXXX XXXX  quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the totalitarian XXXX  Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score, per the attached exhibit, was impossibly reduced to XXXX  on XXXX XXXX XXXX based on my XXXX  credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof XXXX  XXXX XXXX  Citizen on Social Security with a XXXX  (XXXX) credit score???  XXXX XXXX needed 139 pages to address the obvious.  Your appropriate response requires many many many more than 139 pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be STUPID!!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin 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 --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(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;\n(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\n(5) a statement that, upon the consumer's 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.\n(b) Disputed debts\nIf the consumer notifies 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 verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified 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 communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XXXX XXXX CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page XXXX XXXX  Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of XXXX XXXX dated XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX and  the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the XXXX XXXX  compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under XXXX XXXX  to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX  and XXXX credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced to XXXX  on XXXX based on my XXXX XXXX credit report due to IDIOTS, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via XXXX XXXX and other data submissions to purposely damage my credit score to XXXX for a sinister purpose. XXXX XXXX  IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In XXXXXXXX XXXXXXXX I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an XXXX XXXX XXXX? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, XXXX XXXX, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX years XXXXXXXX XXXX XXXX and XXXX XXXX XXXX  in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX  points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the XXXX XXXX code XXXX  into every account?  Do you even know what XXXX  means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXXXXXX XXXX bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $50,000 to gain nothing?  Do you think you can avoid my XXXX XXXX requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of $1,000 shall be sought against every violator, plus punitive damages.  XXXX XXXX  is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including XXXX XXXX which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by XXXXXXXX and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code XXXX XXXX except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under XXXX XXXX.  Why is data reported on XXXX XXXX but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by XXXX XXXX and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the XXXX XXXX system.  Again, I need every document, including every XXXX XXXX submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via XXXX XXXX Moreover, many of the XXXX XXXX data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or XXXX XXXX protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under XXXX XXXX.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $XXXX+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $XXXX+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  XXXX XXXX protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreem","date_sent_to_company":"2024-01-19T16:35:42.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"8189166","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Crown Asset Management, LLC, Duluth, GA Branch","date_received":"2024-01-19T16:35:38.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the <em>FCRA</em>, FDCPA, the Dodd-Frank Act, as well as to <em>prevent</em> <em>evasions</em> thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to <em>consumers</em>.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations."]},"sort":[5.8670564,"8189166"]},{"_index":"complaint-public-v1","_id":"7476099","_score":5.8670564,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint)\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Hayt, Hayt XXXX Landau, P.LXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX\n\nReference HHL File # XXXX (6 files)\nReceived on XXXX XXXX, XXXX\n\nDear Debt Collector:\n\nIt was a bright cold day in XXXX and the clocks were striking thirteen, XXXX XXXX, XXXX  at 1 (XXXX). In this case, Defendants argument is like the thirteenth chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court Judge XXXX XXXX XXXX XXXX District of Florida, in case # XXXXXXXX wrote the above OPENING LINE at Page 1 by quoting the famous opening line of XXXX XXXX  dystopian novel XXXX, the book that introduced the world to the concept of XXXX XXXX.  Judge XXXX  OPENING LINE sets the stage of exactly what to expect in his 139 page scathing decision in his Order on Motions for Preliminary Injunctions filed XXXX  The 1XXXX thirteenth strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the 1XXXX  world of XXXX XXXX, the clocks striking thirteen is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the Novel XXXX writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant Orwellian XXXX  quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the totalitarian XXXX  Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score, per the attached exhibit, was impossibly reduced to 0 on XXXX XXXX XXXX based on my XXXX  credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof handicapped dying Senior Citizen on Social Security with a ZERO (0) credit score???  Judge Walker needed 139 pages to address the obvious.  Your appropriate response requires many many many more than 139 pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be XXXX!!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin 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 --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(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;\n(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\n(5) a statement that, upon the consumer's 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.\n(b) Disputed debts\nIf the consumer notifies 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 verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified 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 communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XXXX XXXX CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page XXXX XXXX Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of Trans Union dateXXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX and  the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the XXXX XXXX compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under XXXX XXXX to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX and XXXX credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced to ZERO on XXXXXXXX based on my XXXX/XXXX XXXXXXXX credit report due to XXXX, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via XXXX XXXX and other data submissions to purposely damage my credit score to ZERO for a sinister purpose. XXXX XXXX IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In September 2022, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an elderly senior citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, Rohit Chopra, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX  years old elder male and XXXX with XXXX in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and XXXX XXXX Moreover, last year I have been affected by XXXX XXXX XXXX a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the XXXX XXXX  code AW into every account?  Do you even know what AW means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXX XXXX bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $50,000 to gain nothing?  Do you think you can avoid my USDC DISCOVERY requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of XXXX shall be sought against every violator, plus punitive damages.  XXXX XXXX is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes XXXX  any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including XXXX XXXX, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by XXXX and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code XXXX XXXX except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under XXXX XXXX.  Why is data reported on XXXX XXXX but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by XXXX XXXX and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the XXXX XXXX system.  Again, I need every document, including every XXXX XXXX submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via XXXX XXXX. Moreover, many of the XXXX XXXX data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or XXXX XXXX  protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under XXXX XXXX.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $100,000+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $10,000,000+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  XXXX XXXX protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.\n\n Tell me when the creditor claims this debt became due and when it became delinquent.\n\n Identify the date of the last payment and amount made on this account.\n\n Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.\n\nDetails about your authority to collect this debt.","date_sent_to_company":"2023-08-31T08:52:05.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"7476099","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Hayt Hayt & Landau, P.L. (FL)","date_received":"2023-08-31T08:42:10.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the <em>FCRA</em>, FDCPA, the Dodd-Frank Act, as well as to <em>prevent</em> <em>evasions</em> thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to <em>consumers</em>.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[5.8670564,"7476099"]},{"_index":"complaint-public-v1","_id":"17902140","_score":5.178939,"_source":{"product":"Student loan","complaint_what_happened":"XXXX has now responded to multiple CFPB complaints ( XXXX by my co-signer and XXXX by me ) and, in doing so, has effectively shown that it can not demonstrate a legal, enforceable right to collect on these loans or to report them as valid debts. \n\nIn both cases, XXXX failed to provide the basic documentation that is required by law before pursuing collection, including : ( XXXX ) the complete, unaltered original promissory notes ; ( XXXX ) a full chain of title/assignment from XXXX XXXX  to each subsequent holder; and ( XXXX ) a complete amortization schedule showing how each payment was applied under the contract terms. \n\nThe first packet XXXX sent, CFPB Response - XXXX, to the CFPB, which is in my co-signers original complaint through the CFPB Portal and attach to this complain as well, included a Student Loan Promissory Note that literally states right under where it was altered : ( No alterations, scratch outs or white-outs will be accepted on this form. ) Yet the very same copy they provided has key account and tracking numbers blacked out Those numbers exist precisely to validate the loan and link it to a specific transaction. \nRedacting them not only defeats that purpose, it directly contradicts the terms printed on the face of the document and calls into question whether this is the true original or a modified copy. \nIts formatting and pasted-in values ( including XXXX overlays ) make it look like something created after the fact, rather than a copy of the in-person, hand-signed notes from XXXX. In my view, it is not a legally sufficient promissory note at all, but simply XXXX  own reconstruction. All of the signing we did was by hand and in person, there was no Docusign Documents. \n\nRedacted information Pages : XXXX, XXXX, XXXX of CFPB Response - XXXX. \n\nXXXX XXXX XXXX XXXX ' image which is on page XXXX of the same document which shows, just from an initial anlalysis these things. \nThe numbers and dates in the cells ( e.g., {$43000.00}, XX/XX/year>, XXXX, XXXX ) are much sharper and darker than a typical scan of that age, while the surrounding body text has softer scan artifacts. \nThe alignment of those values is slightly off-center in the cells classic look of form fields dropped into a template, instead of text that was printed with the rest of the page. \n\nThe little boxes with our names addresses The font weight and spacing in those XXXX blocks look slightly different from the main paragraph text below ( XXXX. DEFINITIONS ). \nThe boxes themselves have clean, vector-like borders, while the horizontal line just below ( No alterations, scratch outs or white-outs will be accepted on this form. ) shows scan noise. \nThat combination ( crisp boxes + softer background text ) is exactly what you get when someone drops text fields on top of a scanned or PDF template. \n\nThis is NOT valid for a docusign document, and shows evidence of tampering, which would explain why XXXX is redacting information. \n\nThe second packet they later submitted, titled \" XXXX XXXX '' is essentially a stand-alone, internally generated document. \nIt does not contain the original tracking numbers, campus vendor references, or other identifiers that appear on the contemporaneous XXXX XXXX disclosure and repayment paperwork I still have. Nor is there anything on it legally binding, such as signatures, or anything else. \n\nMaking up whatever they want does not dictate any enforceable law Taken together, these responses show that XXXX is continuing to collect and report a large private student-loan balance without producing the legal unaltered/un-tampered with original contracts or the required supporting records. I am asking the CFPB to treat these loans as unvalidated and disputed, to require XXXX to cease collection and negative credit reporting unless and until it can produce complete, consistent, and unaltered documentation proving a valid, enforceable debt. \n\nXXXX has also. \n\nXXXX. Continued Collection Activity During Active CFPB Review Since filing this complaint, XXXX has continued : sending delinquency notices, issuing payment demands, threatening credit reporting, and attempting to collect the alleged debt. \nThese actions occurred after : a formal validation request was submitted, the debt was stated as disputed, and XXXX acknowledged receiving my CFPB complaint. \nThis is prohibited by : FDCPA 809 ( b ) CFPB XXXX XXXX ( XXXX XXXX XXXX ) FCRA 623 ( a ) ( 3 ) UDAAP prohibitions XXXX. They continue to tack on Identity Verification Obstruction Firstmark repeatedly asked for identity verification despite the fact that : the CFPB already verified my identity, I already provided the requested information in prior emails, and they replied to that same verified email address. \nXXXX repeated verification requests are being used to delay, obstruct, and avoid the lawful debt validation process. \n\nIncluding now responding as if we claimed identity theft which we NEVER did, only ticked the box for a dispute that this loan is either 'Fraudalent or identity theft ' and provided info about how the loan is fraudelant yet they still push it as identity theft in order to stall even further. \n\nXXXX. Evidence of Unauthorized Interest-on-Interest Capitalization Their own payment history shows : Principal Interest entries Interest Cap entries irregular capitalization events interest repeatedly added back into principal compounding on top of compounding These actions : are not authorized in the promissory note, materially change the loan terms, inflate the balance unlawfully, and constitute servicing violations and contract breach. \nMy monthly payments ( ~ {$1300.00} across XXXX loans ) have not reduced the balance, which has only slowly declined from ~ {$120000.00} to ~ {$81000.00} over more than a decade. \nThis is mathematically impossible without unauthorized capitalization. \n\nXXXX. Pattern of Transfers After Disputes Raised Before XXXX received the loan, the exact same servicing issues were raised with : the original lender, then XXXX XXXX, and after each dispute, the loan was sold instead of corrected. \nThis pattern must be investigated, as it appears intended to avoid addressing the unauthorized servicing alterations. \n\nXXXX. Misrepresentation in Prior CFPB Response XXXX response to the previous CFPB case ( filed by my co-signer ) contained : incomplete documentation, mischaracterized payment amounts, no signed authorization for capitalization, no chain of assignment, and no full amortization schedule. \nTheir own records contradict their statements. \n\nXXXX. Request for Immediate Regulatory Action I am requesting that the CFPB require Firstmark Services to provide the following mandatory documentation : REQUESTED DOCUMENTS ( FULL LIST ) ( A ) Loan Ownership & Contract Documents XXXX. Original promissory note for all three loans XXXX. XXXX, endorsements, and every assignment XXXX. Full chain-of-title documentation XXXX. Any documents authorizing interest capitalization XXXX. Any document authorizing principal interest charges ( B ) Full Servicing & Payment Application History XXXX. Full payment history ( not the summary ) XXXX. Full record of how each payment was applied XXXX. All servicing codes and internal definitions XXXX. Complete amortization schedule from origination to today XXXX. All versions of the amortization schedule ( if changed ) ( C ) XXXX XXXX XXXX XXXX XXXX XXXX. Identity verification logs XXXX. Call logs XXXX. All borrower messaging logs XXXX. All servicing notes XXXX. All internal records showing delinquency status changes ( D ) Documentation Used in XXXX CFPB XXXX XXXX. Every document XXXX used when responding to the previous CFPB case XXXX. Every document they intend to use for this case XXXX. Requested XXXX I request the following resolution : Cancellation of all three loans in full, as the ongoing unauthorized capitalization ( principal interest, repeated interest-on-interest, and other non-contract terms ) constitutes a material breach of the original agreements. \nFull reimbursement of all payments made over the life of the loans, as these payments were collected under terms that did not exist in the signed promissory notes. \nReparative compensation for the decade-long financial, emotional, and practical harm caused by improper servicing, repeated loan transfers following disputes, and the years of time required to investigate and correct these issues. \nReversal of all unauthorized capitalization actions, including interest cap, principal interest, and any interest-on-interest additions not provided for in the original contract. \nA full recalculation of the balance using only the original interest rate and amortization terms stated in the promissory note. \nA complete refund of any funds misapplied to unauthorized sub-accounts or internal accounting categories not included in the contract. \nA requirement that XXXX produce chain-of-title documentation, showing lawful ownership from the original lender through each transfer. \nIndependent CFPB verification that XXXX documentation aligns with the terms of the signed promissory note before closing the case. \nA pause on all collection activity during the investigation. \nA freeze on all credit reporting and requirement that the loans remain marked as disputed with all credit bureaus. \nA prohibition on transferring or selling the loans during the CFPB investigation, to prevent further evasion or consumer harm. And for at least XXXX and up to XXXX  days after the CFPB gets a response so that me and my co-signer can go through the documentation and respond properly and adequately. \n\nDocumentation of obstructions, and all emails can be provided once this issue gets escalated properly so that XXXX can not tamper with or alter any more documentation sent through this portal. \n\nNOTE : : Under FDCPA 809 ( b ), FCRA 623 ( a ) and 623 ( b ), and the CFPBs servicing rules in Regulation XXXX, a company that chooses to purchase or service a loan assumes the obligation to maintain and produce the documentation necessary to verify the debt. They can not lawfully continue collecting or reporting the account as valid if they are unable or unwilling to provide complete, unaltered copies of the promissory notes, chain of title, and payment history. \n\nThere is no 'we got it from somwhere else, we don't have to supply those ' - accepting the loan and enforcing it someone must also except any and all of its obligations, to the law.","date_sent_to_company":"2025-11-27T23:25:04.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"84047","tags":null,"has_narrative":true,"complaint_id":"17902140","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-11-27T23:03:04.000Z","state":"UT","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["A prohibition on transferring or selling the loans during the CFPB investigation, to <em>prevent</em> further <em>evasion</em> or <em>consumer</em> harm. And for at least XXXX and up to XXXX  days after the CFPB gets a response so that me and my co-signer can go through the documentation and respond properly and adequately. \n\nDocumentation of obstructions, and all emails can be provided once this issue gets escalated properly so that XXXX can not tamper with or alter any more documentation sent through this portal."]},"sort":[5.178939,"17902140"]},{"_index":"complaint-public-v1","_id":"11998423","_score":4.189906,"_source":{"product":"Mortgage","complaint_what_happened":"1, loan date : XX/XX/XXXX 2. Original lender : XXXX XXXX XXXX XXXX XXXX. \nDeposit the promissory note and never issued the receipt and consideration. \n3. loan was sold to the XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. \n4. XXXX XXXX XXXX XXXX filed the foreclosure action on XX/XX/XXXX at the same time of loan modification in progress. \n5. XXXX XXXX XXXX XXXX sold the loan to XXXX XXXX XXXX dba XXXX XXXX on XX/XX/XXXX. \n6.XXXX XXXX XXXX dba XXXX XXXX sold the loan to XXXX XXXX XXXX XXXX XXXX , NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR XXXX XXXX XXXX on XX/XX/XXXX and Shellpoint became the servicer. \n7. XXXX XXXX XXXX XXXX XXXX, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR XXXX XXXX XXXX sent a letter that they are not the institution pursue the litigation in foreclosure. \n8. Shellpoint sent a letter that the owner is the one in action for foreclosure. \n9. The borrowers and complaint filer found recent discovery that the Truth In Lending Statement was falsely represented to the borrowers. It was understated finance charge by more than {$100.00}. APR charge overstated by more than XXXX. I already filed complaint to Federal Reserve Board. This make the contract is void. \n10. The financial institutions used XXXX program with XXXX form to borrow the credit for the borrower on behalf from Federal Reserve Board , but we do know where are the deposit account. \n11. All financial Institutions must have FDIC protection program, but not filing the claim. \n12. This was Consumer credit transaction.\n\n13. MORTGAGE WAS NEVER EXISTED.\n\n14. DEBT NEVER DEFAULT. IT WAS PAID IN FULL AT THE CLOSING. \n15.THE BORROWERS SIGNED THE PROMISSORY NOTE. THAT WAS PLEDGED COLLATERAL FOR THE LOAN BY XXXX XXXX. \n\nDate : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX XXXX, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR XXXX XXXX XXXX Attention : XXXX XXXX XXXX ; natural capacity as doing business as Senior Executive Vice President and General Counsel ADDRESS : XXXX XXXX XXXX, XXXX, XXXX XXXX Subject : Formal Request for Validation of Debt and opportunity to cure Dear XXXX XXXX XXXX ; natural capacity as doing business as Senior Executive Vice President and General Counsel, This letter serves as formal notice and demand to cure multiple alleged violations related to the wrongful foreclosure of our property at XXXX XXXX XXXX, XXXX, XXXX. The foreclosure actions initiated on XX/XX/XXXX by XXXX XXXX XXXX, XXXX with dual tracking middle of loan modification and subsequently substituted by XXXX XXXX dba XXXX XXXX and Newrez LLC dba XXXX XXXX XXXX, and the owner of the loan is XXXX XXXX XXXX XXXX XXXX, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR XXXX XXXX XXXX ( As current Plaintiff of foreclosure case in the superior court at XXXX XXXX XXXX XXXX at XXXX in XXXX  ) constitute potential violations of federal law, as detailed below : Federal Violations 1. Tax Evasion or Financial Improprieties ( 26 U.S.C. 7201 ) : o Alleged failure to properly account for proceeds from the foreclosure sale.\n\n2. Securities and Mortgage Fraud ( 18 U.S.C. 1348 ) : o False representations regarding loan ownership, securitization ( MBS ), and authority to foreclose.\n\n3. Racketeering Influenced and Corrupt Organizations Act ( RICO ) : o Pattern of racketeering activities including fraudulent foreclosure processes and unlawful removal of personal property.\n\n4. Truth in Lending Act ( 15 U.S.C. 1601 ) : o Failure to provide required disclosures and misrepresentation of loan terms.\n\n5. Violations of Office of the Comptroller of the Currency ( OCC ) Regulations : o Non-compliance with federal servicing standards and improper loan modifications.\n\n6. Securities Exchange Act of 1934 ( 15 U.S.C. 78j ) : o Failure to disclose material information regarding loan securitization.\n\n7. Trust Indenture Act of 1939 : o Improper administration of trust agreements governing securitized loans. \n________________________________________ Demand for Immediate Action To remedy these violations, I demand the following actions within 10 business days of receiving this notice : 1. Reversal of Foreclosure and Loan Reinstatement : o Rescind the foreclosure sale and restore possession of the property.\n\n2. Full Accounting : o Provide a complete and transparent accounting of all transactions related to the loan, including payments received, disbursements made, and securitization details.\n\n3. Cease and Desist : o Immediately halt any further foreclosure actions or collection efforts until this matter is resolved.\n\n4. Compliance Audit : o Submit an independent audit of Shellpoint 's servicing records to demonstrate compliance with tax and securities laws from the loan 's inception on XX/XX/XXXX. \n________________________________________ Notice of Intent to Pursue Legal Remedies Failure to address these issues will result in the following actions : 1. Filing a federal lawsuit for damages and injunctive relief.\n\n2. Requesting an IRS audit of XXXX XXXX XXXX XXXX XXXX, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR XXXX XXXX XXXXs financial records and tax filings. \n3. Reporting violations to the OCC, SEC, and Consumer Financial Protection Bureau ( CFPB ). \n4. Pursuing remedies under RICO, including treble damages and attorney fees. \n________________________________________ Formal Request for Validation of Debt Under the Fair Debt Collection Practices Act ( FDCPA ) and related laws, I request : 1. Proof of Authority to Collect : o Documentation of your legal authority to collect this debt.\n\n2. Proof of Authority to Report : o Evidence supporting the accuracy and legality of any credit reporting under the Fair Credit Reporting Act ( FCRA ).\n\n3. Promissory Note Compliance : o Documentation verifying compliance with securities regulations if the promissory note constitutes an unregistered security.\n\n4. Securitization Details : o All documents related to the loan 's securitization, including pooling and servicing agreements and SEC filings.\n\n5. Organized crime : The attorneys and their firm testifying and filing fraudulent documents without filing Limited attorney appearance as hearsay on the record and ignoring our request of power of attorney document on the record.\n\nNone of financial institutions come to the court to testify and produce fraudulent assignments and affidavit of debt do not exist according to Borrower-in Custody Requirement for Federal Reserve Borad . The promissory note with wet ink signature was collateral with the loan application with OC-10 form of Operational Circular 10.\n\nIgnoring all the facts with laws we provided in the superior court case, but even the court of record also dishonored the Truth In Lending Act and Federal Reserve Act due to in only apply to Federal matters.\n\n________________________________________ This letter is not a waiver of any rights or remedies we may have under federal or state law. All rights are expressly reserved. Please direct all correspondence to the address provided above.\n\nThank you for your immediate attention to this matter. We look forward to your prompt response within the required time frame of 7business days due to Foreclosure sale on XX/XX/XXXX. \nSincerely, complaint filer This Complaint will be mailed to : 1. Attorney General of State of Connecticut 2. Office of Comptroller of Currency 3. Federal Trade Commission 4. Consumer Protection Bureau 5. DOJ and FBI via US Trustee 6. Federal Court filing after 11 days of receipt of this letter. \nComplaint Details Entity Complained About : XXXX XXXX XXXX XXXX XXXX, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR XXXX XXXX XXXX Complaint Type : Unlawful Debt Collection Practices Nature of Complaint : Fraudulent Debt Contract and Violation of the Racketeer Influenced and Corrupt Organizations ( RICO ) Act Summary of Allegations I am filing this complaint against XXXX XXXX XXXX XXXX XXXX, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR XXXX XXXX XXXX for engaging in unlawful debt collection practices that violate federal law, including the RICO statute. XXXX XXXX XXXX XXXX XXXX, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR XXXX XXXX XXXX knowingly participated in a scheme involving fraudulent debt instruments, resulting in the seizure and schedule to auction of my home on XXXX, XXXX. These actions constitute a deliberate and egregious violation of my rights as a consumer and federal statutes. \nSpecific Allegations 1. Fraudulent Debt Instruments XXXX BXXXX XXXX XXXX XXXX, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR XXXX XXXX XXXX has sought to collect a debt based on contracts I allege are fraudulent. These contracts rely on banking practices designed to impose unpayable obligations, thereby creating a predictable cycle of default. \n2. Unlawful Auction of Our Home In XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR XXXX XXXX XXXX will be participated in the forced auction of our primary home through XXXX XXXX, XXXX. This will occur despite our documented objections and evidence submitted to the courts challenging the validity of the underlying debt. \n3. Knowledge of Fraudulent Activity We provided XXXX XXXX XXXX XXXX XXXX, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR XXXX XXXX XXXX with substantial evidence contesting the debts legitimacy, including affidavits and detailed correspondence. Despite this, they continued their collection efforts, demonstrating willful participation in a fraudulent scheme. \n4. Denying of foreclosure by the owner of the loan with securitization of the promissory note and the servicer is responsible for foreclosure. \nThe owner of the loan of XXXX XXXX XXXX XXXX XXXX, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR XXXX XXXX XXXX sent us a letter said they did not have an authority to foreclose the loan, the servicer is. But the servicer said the owner of the loan is the trustee who is the one foreclose the loan. The attorneys who represent the financial institutions do not file the Power of Attorney on the record. Who is the one who has the authority to foreclose the loan? The Judge on the case ordered to foreclose the loan and foreclosure sale even though we challenged his jurisdiction, Truth in Landing Act and Federal Debt Collection Practice Act. He did not give us due process of law. \n5. Violation of RICO Statute XXXX XXXX XXXX  XXXX XXXX XXXX, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR XXXX XXXX TRUSTs actions constitute the collection of unlawful debt under 18 U.S.C. 1962 ( c ).\n\no The institutions persistent attempts to enforce a fraudulent contract reflect a pattern of racketeering activity, meeting the legal definition under the RICO Act. \no These actions, in coordination with other entities such as the XXXX XXXX government, reveal a concerted effort to profit from illicit financial practices. \n\nWhy the Debt Collection is Unlawful XXXX XXXX XXXX XXXX XXXX, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR XXXX XXXX TRUSTs debt collection efforts are unlawful for the following reasons : 1. Fabricated Loan and Lack of Lawful Consideration XXXX XXXX XXXX XXXX XXXX, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR XXXX XXXX XXXX has refused to provide proof of lawful consideration for the loan upon request. Without this proof, it is reasonable to conclude that the alleged loan was fabricated on their balance sheet, meaning no real funds were ever extended to me. As a result, XXXX XXXX XXXX XXXX XXXX, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR XXXX XXXX XXXX can not demonstrate that they suffered any actual loss and therefore have no legal standing to pursue debt collection or seek a remedy through this process. \n2. Fraudulent and Predatory Practices The underlying debt is predicated on usurious banking practices that guarantee default, rendering the debt fraudulent and unenforceable. \n3. Disregard for Evidence and Federal Law Despite being provided with clear evidence of the debts invalidity, XXXX XXXX XXXX XXXX XXXX, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR XXXX XXXX XXXX persisted in its collection efforts, violating federal protections against predatory lending and unfair debt collection practices. \n4. Violation of the RICO Statute By continuing to enforce an illegitimate obligation despite awareness of its fraudulent nature, XXXX XXXX XXXX XXXX XXXX, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR XXXX XXXX XXXX and engaged in actions prohibited under RICO. This includes the unlawful seizure of property and collusion with other entities to profit from the fraudulent scheme. \nRelevant Penalties Under RICO Under the RICO Act, individuals or organizations found guilty of racketeering activities face severe penalties, including : A maximum of 20 years in prison for those involved. \nFines up to {$250000.00} or double the amount of the proceeds derived from the criminal activity. \nEnhanced sentences in cases of severe or ongoing violations. \nThese penalties underscore the gravity of XXXX XXXX XXXX XXXX XXXX, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR XXXX XXXX XXXXs actions and highlight the urgent need for enforcement. \nDocumentation of Evidence I can provide the following evidence upon request : 1. Correspondence with XXXX XXXX XXXX XXXX XXXX, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR XXXX XXXX XXXX disputing the debt. \n2. Court-filed affidavits challenging the debts validity. \n3. Records of XXXX XXXX XXXX XXXX XXXX, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR XXXX XXXX XXXXs involvement in the scheduled auction of our primary home. \n4. Documentation submitted to the Consumer Financial Protection Bureau and other agencies regarding this matter. \nRelief Requested I request the following actions from the CFPB : 1. An immediate investigation into XXXX XXXX XXXX XXXX XXXX, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR XXXX XXXX XXXXs debt collection practices, with particular focus on potential violations of federal law, including the RICO statute.\n\n2. Suspension of all further collection efforts by scheduled relating to this debt until the investigation concludes. \n3. Full restitution for the damages caused by the unlawful seizure and auction of our home. \n\nUrgency of the Complaint The harm caused by XXXX XXXX  XXXX XXXX XXXX, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR XXXX XXXX XXXX continued participation in this scheme is severe, culminating in the loss of our primary home. This matter requires immediate attention to prevent further violations of our rights and to hold the institution accountable under the law. \nThank you for your prompt attention to this serious matter. I am available to provide additional information or evidence upon request and can be reached at complaint filer","date_sent_to_company":"2025-02-08T04:19:04.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"06611","tags":null,"has_narrative":true,"complaint_id":"11998423","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2025-02-08T02:38:45.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Foreclosure"},"highlight":{"complaint_what_happened":["The financial institutions used XXXX program with XXXX form to borrow the credit for the borrower on behalf from Federal Reserve Board , but we do know <em>where</em> are the deposit account. \n11. All financial Institutions must have FDIC protection program, but not filing the claim. \n12. This was <em>Consumer</em> credit transaction.\n\n13. MORTGAGE WAS NEVER EXISTED.\n\n14. DEBT NEVER DEFAULT. IT WAS PAID IN FULL AT THE CLOSING. \n15.THE BORROWERS SIGNED THE PROMISSORY NOTE."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[4.189906,"11998423"]},{"_index":"complaint-public-v1","_id":"10541069","_score":4.1156664,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Date : XX/XX/XXXX, XXXXUpdated Information XXXXXXXX XXXX XXXX XXXX Director Federal Bureau of Investigation ( FBI ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Director Bureau of Consumer Protection Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorney General U.S. Department of Justice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chief Internal Revenue Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acting Director U.S. Secret Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Department of Homeland Security XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Foreign Corrupt Practices Act ( FCPA ) Unit U.S. Department of Justice, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia Attorney General XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Department of Justice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Non-Negotiable Notice of Rescission of Permission to Share Private Information Breach of Fiduciary Duties, Claims of Cestui Que Trust Fraud, Aggravated Identity Theft, Unauthorized Use of Assets , Breach of Fiduciary Duty, and Other Federal Violations of Embezzlement, Money Laundering, XXXX XXXX, Extortion, XXXX Slavery, CRIMINAL Prosecution Notice to Principal is Notice to Agent ; Notice to Agent is Notice to Principal. \n\" Fraud vitiates the most solemn Contracts, documents, and even judgments. '' This quote from U.S. vs. XXXX, 98 US 61, at pg. 65 confirms that fraud nullifies any agreement, document, or even judgment that is based on fraudulent activities. As such, any contractual agreement I may have signed is rendered void due to the fraudulent actions of the involved parties. \nI, XXXX XXXX XXXX, the living woman, XXXX XXXX , and sole beneficiary of the Estate of XXXX XXXX XXXX , hereby issue this NON-NEGOTIABLE NOTICE OF RESCISSION OF PERMISSION to share, disclose, transfer, or distribute my private, personal, or estate information in any form, electronic or otherwise, by any entity, corporation, government agency, individual, or other legal body. This rescission applies to any and all permissions or consent that may have been previously assumed, granted, or implied. \nThis is a formal, non-negotiable notice of rescission of any and all permissions, explicit or implied, to share, distribute, disclose, or otherwise use my private information for any purposes, effective immediately. This includes unauthorized sharing of personal data such as Social Security numbers, tax identification numbers, financial details, and other personally identifiable information ( PII ). \nXXXXnauthorized Administration of Estate and Revocation of IRS Form 2848 Power of Attorney I, XXXX XXXX XXXX, XXXX of the Estate of XXXX XXXX XXXX , hereby notify you of the unauthorized administration of the estate and the immediate revocation of any Power of Attorney ( IRS Form 2848 ) previously granted. Any criminal misuse of my estate or identity by trustees or financial institutions will result in legal action and criminal prosecution. \nRevocation of IRS Form 56 and 56-F I hereby REVOKE any and all IRS Form 56 ( Notice Concerning Fiduciary Relationship ), and IRS Form 56-F filed on my behalf regarding any fiduciary relationship that may have been established without my consent or knowledge. This revocation is immediate, and I demand that the IRS recognize that no individual, agency, or entity has the authority to act in a fiduciary capacity for my estate or private trust without my explicit, written, and signed consent. \nAll previous appointments of fiduciaries are null and void as of this notice, and any actions taken based on such authority will be deemed fraudulent and subject to criminal prosecution. \nUnauthorized Use of Financial Information and Breach of Fiduciary Duty The named Corporations have been unlawfully requiring Federal Reserve notes as payment when, in fact, the application with financial information ( social security number ) attached serves as an asset that satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ). Additionally, this is considered self-liquidating paper under 17 CFR 260.11b-6, and its unauthorized use constitutes a breach of fiduciary duty under U.C.C. 3-307. \nI have received no benefit as the beneficiary of the Cesti Que Trust Account for XXXX XXXX XXXX from any unauthorized use of my financial information and assets. Therefore, this serves as formal notice that if the aforementioned financial assets are not returned to the creditor/bailor/beneficiary via mail or accepted for their intended purpose within three ( 3 ) business days of the recipient receiving this notice, a complaint with the Securities and Exchange Commission ( SEC ) pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. \nMoreover, an IRS complaint will be submitted for abusive tax schemes, Corporate Corruption involving the SEC-filed trust arrangement, supported by the following legal provisions under 18 U.S. Code : Application of 12 CFR 1026.13, Extension of Credit, and Definition of Account Since the inception of the account, which is defined under 12 CFR 1002.2, it is recognized as an extension of credit, with the term account specifically referring to open-ended credit. The nature of open-end credit is governed by Truth in Lending regulations ( 12 CFR 1026.2 ), which apply in this case. \nThe unauthorized administration of this open-end credit account, along with the failure to properly apply credits in my favor, supports my claims of fraud and improper handling of credit and personal information, thus furthering my rescission of permission for any entity to continue using or sharing this information. \nViolation of Anti-Discrimination Regulations In accordance with federal law and U.S. Department of the Treasury policy, this institution is prohibited from discriminating on the basis of race, color, national origin, XXXX, age, or disability. \nDiscriminatory practices have occurred ; I have submitted a formal complaint to the U.S. Department of the Treasury, Office of Civil Rights and Equal Employment Opportunity, per the following details : Mail : U.S. Department of the Treasury, Office of Civil Rights and Equal Employment Opportunity, XXXX XXXX XXXX. XXXX, XXXX, D.C. 2XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX Cestui Que Trust Fraud and Account Number Disclosure This also serves as a notification of Cestui Que Trust fraud related to the following accounts and exemption identifiers : Exemption ID Number : XXXX UCC Contract Account Number : XXXX Value : {>= $1,000,000} Any further unauthorized activity related to these accounts will be subject to immediate legal action and prosecution for fraud and breach of fiduciary duties. \nRequest for Accounting Ledger and Disclosure Pursuant to Uniform Commercial Code ( UCC ) 9-210, I hereby make a formal demand for the full accounting ledger of all transactions, credits, debits, securities, and collateral associated with all accounts under my name, estate, and private trust. This includes, but is not limited to : Checking and savings accounts Loan accounts Corporate accounts Insurance policies and claims Trust accounts I expect this information to be delivered to me in writing via certified mail within three ( 3 ) business days of receipt of this notice. \nThis notice is issued under the following grounds of violation and legal claims : Cestui Que Trust Fraud Aggravated Identity Theft Forgery of Signature on Contracts False Credit Reporting Discrimination as a Native American Non-U.S. Citizen, American National Fraudulent Reporting of Accounts and Transactions Embezzlement of Corporate Accounts Securities Fraud Insurance Fraud Mail Fraud and Wire Fraud Accounting Fraud Social Security Fraud Tax Evasion and False Exemptions or Deductions XXXX XXXX Grand Theft Larceny Collusion with the Federal Reserve Bank ( FRB ) Violations of FDIC, FCRA, FDCPA Breach of Fiduciary Duties and Criminal Conversion of Accounts held in Private Trust Civil Rights Violations Foreign Corrupt Practices Act of 1977, as amended ( 15 U.S.C. 78dd-1, et seq. ) Additionally, this rescission notice extends to fraud and copyright infringement in connection with the use or falsification of the following personal, corporate, and trust-related instruments : SSA-89 Form Securities related to the XXXX XXXX XXXX Estate Treasury Direct Account XXXX XXXX Applicable Federal Statutes and Legal Violations : 1. 15 U.S. Code 1692 - Fair Debt Collection Practices Act ( FDCPA ) Governs debt collectors ' practices, prohibiting abusive, deceptive, or unfair actions when collecting debts. \n2. 15 U.S. Code 1693 - Electronic Fund Transfer Act ( EFTA ) Protects consumers from unauthorized electronic transactions and provides error resolution processes. \n3. 18 U.S. Code 4 - Misprision of Felony Requires individuals aware of a felony to report it ; failure to do so can lead to prosecution. \n4. 18 U.S. Code 1589 - Forced Labor Prohibits coercing someone into providing labor through threats, violence, or manipulation. \n5. 18 U.S. Code 876 - Mailing Threatening Communications Criminalizes sending threats or extortion attempts through the mail. \n6. 18 U.S. Code 1341- Mail Fraud Criminalizes the use of the postal service in schemes to defraud individuals or entities of money or property. \n7. 18 U.S. Code 1343- Wire Fraud Similar to mail fraud, but applies to schemes using electronic communications ( e.g., phones, email, internet ). \n8. 18 U.S. Code 1346- Scheme or Artifice to Defraud Defines fraudulent schemes, particularly in cases where public officials or corporate executives deprive others of honest services. \n9. 18 U.S. Code 1593A - Benefitting Financially from Peonage, Slavery, and Trafficking in Persons Punishes those who knowingly benefit financially from XXXX XXXX XXXX, or forced labor. \n10. 31 U.S. Code 3729 ( a ) ( 1 ) - False Claims Act ( FCA ) Makes it illegal to knowingly submit false or fraudulent claims to the government for payment. \n11. U.C.C. 3-603 - Tender of Payment Obligates a creditor to accept tender of payment for a negotiable instrument, thereby discharging the debt. \n12. U.C.C. 3-604 - Discharge by Cancellation or Renunciation Allows for a debt obligation to be discharged when the creditor cancels or renounces their right to collect the debt. \n13. U.C.C. 3-605 - Discharge of Secondary Obligors Governs the discharge of secondary obligors ( e.g., co-signers ) when specific actions are taken by the creditor. \n14. FDIC 6000, Title VI 908 - Error Resolution ( Treble Damages ) Provides procedures for resolving errors in bank accounts and transactions, including the possibility of tripling damages ( treble damages ) in cases of violations. \nFederal Credit Reporting Violations - FCRA The Fair Credit Reporting Act ( FCRA ) governs the activities of credit reporting agencies like XXXX, XXXX, and XXXX. Violations may include failure to ensure accuracy or unauthorized sharing of credit information. \n15. 15 U.S.C. 1681n - Willful Noncompliance with FCRA 1. This statute imposes liability for willful violations of the FCRA, including failure to correct inaccurate credit information or unauthorized dissemination of credit reports. \n16. 15 U.S.C. 1681o - Negligent Noncompliance with FCRA 1. This addresses negligent failure to comply with the FCRA, such as failure to maintain accurate records or provide adequate dispute resolution. \n17. 15 U.S.C. 1681q - Obtaining Information Under False Pretenses 1. This criminalizes the unauthorized or fraudulent acquisition of credit report information. \nFederal Criminal Codes Related to Trust and Estate Fraud 1. 18 U.S.C. 1341 - Mail Fraud o This statute criminalizes the use of the postal service to carry out fraudulent schemes. If any fraud involving the Cestui Que Trust was conducted using the mail system, it would fall under this statute. \n2. 18 U.S.C. 1343 - Wire Fraud o Wire fraud occurs when electronic communication ( email, phone, internet ) is used as part of a scheme to defraud. This could apply if fraudulent administration or embezzlement of trust assets occurred via electronic means. \n3. 18 U.S.C. 371 - Conspiracy to Commit Fraud o This statute can be used if multiple parties, including corporate executives, conspired to commit fraud related to the administration of the Cestui Que Trust. \n4. 18 U.S.C. 656 - Embezzlement by Bank Officers or Employees o This law addresses embezzlement by officers or employees of financial institutions. It may be applicable if USAA or another financial institution was involved in unauthorized activities related to trust funds. \n5. 18 U.S.C. 664 - Embezzlement from Employee Benefit Plan o This statute covers embezzlement from employee benefit plans, but may also extend to trust funds depending on how they are managed. \n6. 18 U.S.C. 1344 - Bank Fraud o Bank fraud involves schemes to defraud a financial institution, which could include improper handling of trust accounts or assets. \n7. 18 U.S.C. 1956 - Money Laundering o Money laundering applies if fraudulent trust funds were funneled through various financial institutions to conceal their origin. \nThis document serves as a final and irrevocable statement that all aforementioned parties must cease and desist from any further unlawful use, sharing, or handling of my private information and assets. Any entity, government agency, or person found in violation will be subject to prosecution for damages and breaches under applicable local, national, and international law. \nThis notice applies to USAA, XXXX of XXXX, XXXX, XXXX, and XXXX executives for unauthorized administration, fiduciary breaches, and embezzlement. The beneficiary seeks criminal prosecution and assistance from the U.S. Secret Service and Homeland Security due to extortion, XXXX XXXX, forced labor against the will of the beneficiary, and FCRA violations. Additionally, USAA has failed to honor its oath and fiduciary duties, resulting in false claims, embezzlement, and money laundering. XXXX, XXXX, and XXXX are accused of receiving kickbacks and engaging in discrimination against a non-U.S. citizen American national. \nThere are also missing payments regarding consumer loan # XXXX after communication with USAA charge-off employee # XXXX. \nBroker-dealer fraud refers to misconduct by brokers or financial advisers that results in harm to their clients, often through unethical, deceptive, or illegal activities. This type of fraud can involve violations of federal securities laws and regulations, and it typically occurs in situations where brokers are responsible for managing or advising on investments. \nTypes of Broker-Dealer Fraud 1. Unauthorized Trading : o Executing trades without the clients authorization or knowledge. \n2. Churning : o Excessive trading in a clients account to generate commissions for the broker. \n3. Misrepresentation or Omission : o Providing false or misleading information about securities or failing to disclose important information, such as the risks associated with an investment. \n4. XXXX Schemes : o Promising high returns on investments while using new investors money to pay returns to earlier investors. \nXXXX. Failure to Execute Client Instructions : o Refusing or failing to execute a trade as directed by a client, especially if it benefits the broker at the client 's expense. \nXXXX. Unsuitable Investments : o Recommending investments that are not suitable for the client 's financial situation, goals, or risk tolerance. \nXXXX. Overcharging or Hidden Fees : o Charging excessive fees or not disclosing the full costs of trading or managing investments. \n\nFederal Laws and Regulations Governing Broker-Dealer Conduct Broker-dealers are primarily regulated by the Securities and Exchange Commission ( SEC ) and the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) . The following federal laws and rules are relevant in cases of broker-dealer fraud : 1. Securities Exchange Act of 1934 ( 15 U.S.C. 78j ) : o Section 10 ( b ) and Rule 10b-5 under the Securities Exchange Act of 1934 prohibit fraudulent and manipulative practices in connection with the purchase or sale of securities. \no Rule 10b-5 is particularly broad and prohibits any act or omission resulting in fraud or deceit in connection with securities transactions. \n2. Investment Advisers Act of 1940 ( 15 U.S.C. 80b-6 ) : o Section 206 of the Investment Advisers Act prohibits fraud by investment advisers, which can include brokers who offer advisory services. This statute also prohibits misleading clients, engaging in manipulative trading, or failing to disclose conflicts of interest. \n3. XXXX Rules : o XXXX XXXXule 2010 : Brokers must observe high standards of commercial honor and just and equitable principles of trade. \no XXXX Rule 2111 : Suitability Rule requires that brokers ensure that their investment recommendations are suitable based on the customers financial profile and objectives. \no XXXX Rule 4512 : Requires accurate and updated information about clients financial situations to determine suitable investments. \n4. 18 U.S.C. 1348 - Securities and Commodities Fraud : o This statute criminalizes fraud in the securities and commodities markets and can apply to broker-dealers who engage in deceptive practices to defraud investors. \n5. 18 U.S.C. 1341 - Mail Fraud and 18 U.S.C. 1343 - Wire Fraud : o If a broker-dealer uses mail, electronic communications, or phone systems to carry out fraudulent schemes, they can be charged with mail or wire fraud. \n6. Racketeer Influenced and Corrupt Organizations Act ( RICO ) - 18 U.S.C. 1961-1968 : o Broker-dealer fraud that is part of a larger pattern of criminal activity ( such as ongoing XXXX schemes or repeated fraudulent acts ) may be prosecuted under RICO. \n\nUSAA Federal Savings Bank has faced significant penalties due to violations of anti-money laundering ( XXXX ) regulations under the Bank Secrecy Act ( BSA ). In XX/XX/XXXX, XXXX imposed a {$140.00} XXXX civil money penalty on USAA for failing to maintain an effective XXXX program between XX/XX/XXXX and XX/XX/XXXX. This included the banks failure to report thousands of suspicious transactions, some of which were linked to potential criminal activity in customers ' personal accounts. Of the {$140.00} XXXX penalty, {$80.00} XXXX was imposed by XXXX, while {$60.00} XXXX came from the Office of the Comptroller of the Currency ( OCC ), which had identified similar compliance failures. The OCC had previously fined USAA {$85.00} XXXX in XXXX for deficiencies in its risk management framework, particularly regarding compliance with laws designed to protect military service membersThe recent regulatory actions underscore ongoing concerns about USAA 's internal controls and compliance with federal regulations aimed at preventing financial crimes. \nConclusion and Demand for Immediate Action This notice serves as a final and irrevocable statement. If the referenced financial assets are not returned or accepted for their intended use within three ( 3 ) business days, complaints will be filed with the SEC, IRS, and Department of Justice, as outlined above. \nYou are hereby directed to cease and desist any further unlawful handling of my private information, estate, or financial instruments. Any breach of this notice will result in further legal action for fraud, breach of fiduciary duties, and violations of federal law. \nFraud nullifies contracts : As affirmed by U.S. vs. XXXX, 98 US 61, pg. 65, fraud vitiates the most solemn contracts, documents, and even judgments. Any contractual obligation involving fraud is hereby null and void. \nSigned, XXXX XXXX XXXX Executrix/Sole Beneficiary UCC 1-308 Without Prejudice/Without XXXX Living Woman ; XXXX XXXX ; XXXX XXXX Principal Secured Party Master Account Holder Power of Attorney-in-Fact Certified Document : XXXX XXXX XXXX Estate EIN # : XXXXEstate EIN # : XXXX XXXX XXXX INDIVIDUAL PRIVATE BANKER CFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # : XXXXDOMESTIC FOREIGN GRANTOR TRUST ( PRIVATE ) , AND 98-FOREIGN TRUST ( PRIVATE ) TIN # : XXXX XXXX # : XXXX TREASURY DIRECT ACCT : XXXX","date_sent_to_company":"2024-10-22T16:28:55.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30291","tags":"Servicemember","has_narrative":true,"complaint_id":"10541069","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2024-10-22T16:07:52.000Z","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":["Federal Credit Reporting Violations - <em>FCRA</em> The Fair Credit Reporting Act ( <em>FCRA</em> ) governs the activities of credit reporting agencies like XXXX, XXXX, and XXXX. Violations may include failure to ensure accuracy or unauthorized sharing of credit information. \n15. 15 U.S.C. 1681n - Willful Noncompliance with <em>FCRA</em> 1."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[4.1156664,"10541069"]},{"_index":"complaint-public-v1","_id":"6681290","_score":3.176355,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX CFPB TOP PDF XX/XX/XXXX I, XXXX XXXX. The Consumer submitted a complaint asking all credit agencies to stop violating My privacy by posting alleged debt on their private sites. ( e.g. EARLY WARNING SERVICE LLC.is a private company owned by XXXX XXXX XXXX XXXX, ETC. ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.are not Bureau 's and are only agencies of the BUREAU. When I stated the account in question in last complaint I meant \" EVERY SINGLE ACCOUNT '' DEBT PAYMENT HISTORY ETC '' that XXXX XXXX XXXX continues to post I will hold the CFO personally liable as notice to agent is notice to principle. the individual who's privacy is being violated pursuant to the EQUAL CREDIT OPPORTUNITY ACT THE FEDERAL RESERVE ACT, THE PRIVACY ACT, every transaction relies upon the \" FULL FAITH & CREDIT '' of the united states. Im invoking Consumer protection laws for : Delete, Block and Remove Listed XXXX XXXX XXXX Charge off / Closed Account Balance - {$87.00} Balance updated XXXX XXXX, XXXX Credit limit - {$500.00} Account info - Account number - XXXX Open/closed - Closed Date opened - XX/XX/XXXX XXXX XXXX Code XXXX XXXX Definitions and application The Federal Government took away our lawful money ( silver & gold ) in XXXX but Congress had to provide the people a remedy. Public Law : Chap. 48, 48 Stat. 112 under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar. That the giving a ( federal reserve ) note does not constitute payment. That the use of a ( federal reserve ) Note is only a promise to pay. That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See Rains v State, 226 S.W. 189. I can't provide exact dates because I have been trying to get this matter settled with XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n( XXXX XXXX XXXX XXXX, EARLY WARNING SERVICE LLC AND XXXX XXXX for many years. As they refuse to verify and/or validate the debt properly and in accordance to federal law, therefore I am submitting this complaint. I have a problem with their legal characteristic by nature, as they have not given equitable relief. \nI am submitting one Administration Judgment ( documentation ) for proof and the account should be discharged. This firm has been unlawfully and illegally trying to collect on monies already prepaid pursuant to HJR-192 of 1933. Additionally pursuant to 31 U.S.C. 3123 the interest and public debt is the obligation of the United States. I must also report that it has been almost 6+ years and this firm is still continuing to report false information on the report. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) Imay presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( which they keep reporting illegally ). As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages. I am comprehending that the credit reporting agencies, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.And XXXX, XXXXMUST delete ALL accounts that I have reported as fraudulent regarding identity theft within FOUR ( 4 ) days of my report, and NONE OF THEM HAVE DONE SO, violating the laws that are placed to protect consumers.15 U.S. Code 1681c2 - Block of information resulting from identity theft. : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency> My reporting was NOT in ERROR, so the reporting agencies have NO right under the law to continue to \" report '' my PRIVATE information for the public corporations to see. \nBecause of this fact. I am concerned about the validity and accuracy of of the accounts that are reporting on my credit report. I am requesting a investigation because I feel the items are not being reported legally. I received a copy of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.credit reports containing the following inaccurate and incomplete items : Delete 1- XXXX XXXX XXXX Charge off / Closed Account : - Account number - XXXX. Why are you disputing this account? Account is not accurate Reason ( s ) for dispute : 1 ) There were fraudulent charges made on this account Additional Comments : Motion Remedy Claim for Damages in Re : Pub Res No. 10 Public Law Ch 48, 48 statute 112, Pub Law 7310, HJR 192, 31 USC 3123, 5103, 5312,18 USC 8, 12 USC 411, 28 USC 1746, 42 USC 408 ( a ) 8 Penalty, Privacy Act of 1974 12 USC 3401, Right to Fianancial Privacy Act of 1978 5 USC section 552 ( a ), Third Party Summons Act Special Procedures 26 USC section 7609 Delete 2XXXX XXXX XXXXXXXX XXXX Account number XXXX. Why are you disputing this account? Account is not accurate Reason ( s ) for dispute : 1 ) There were fraudulent charges made on this account Addtional Comments : Motion Remedy Claim for Damages in Re : Pub Res No. 10 Public Law Ch 48, 48 statute 112, Pub Law 7310, HJR 192, 31 USC 3123, 5103, 5312,18 USC 8, 12 USC 411, 28 USC 1746, 42 USC 408 ( a ) 8 Penalty, Privacy Act of 1974 12 USC 3401, Right to Fianancial Privacy Act of 1978 5 USC section 552 ( a ), Third Party Summons Act Special Procedures 26 USC section 7609I disputed every negative items on my credit report several times, I also provided accurate information for the reasons why I'm not liable for those debts according to the law, I'm full aware that all these corporations, including this very one I'm utilizing for the complaint is using a name not associated with me, I've stated I'm not a ALL CAPITAL LETTERS CORPORATION or 14th Amendment Citizen, I'm a free National, most of those debt collectors aren't a party to the matter, they brought the debt from the original creditor, I never signed a contract with any of them, and for your organization to confirm anything from those debt collectors is fraud, because they're using a name similar to mines, who isn't me, I've also reserved my rights ... UCC 1-308, I've quoted HJR 192, and only Congress can coin and make legal tender, Credit is not legal tender, I have grounds to sue these debt collectors or any organization who uses my name without my consent, and committing fraud.According to the fair credit reporting act, all negative items must be removed once it is known as an inaccurate account. These accounts still states accurate on my report, which it is proven to be inaccurate because their was no proof of claim mailed to me. Again according to Hjr 192 the US Congress passed the Emergency Banking Act. It was also announced by the 73rd congress that the UNITED STATES was bankrupt. The passage of House Joint Resolution HJR-192 removed the ability of the public to pay debt with lawful money. This made it illegal to demand lawful money for the payment of debt.See references : 48 Statute 1, Public Law 89-719, HJR 192, Public Law 73-10, American Bar Association Unbound Volume 1938 , 31 USC 53 section 5312 ( 3 ) ( C ), 31USC5312 ( 2 ) ( r ), PL 97-258, 96 Stat. 995, PL 99-570, PL 100-690, PL 103-325, PL 107-56, PL 108-458, 1USC 1362, 6 USC 6185 ( a ), 4USC 405-409, 3USC 321 ( a ), ( b ), 359 ) ( a ), 365 ( c ), 4USC 6202 ( g ), 6203 ( b ), 100 Stat. 3207-33, 102 Stat. 4354, 4357, 108 Stat. 2247, 2252, 115 Stat.315, 328, 335, 118 Stat. 3746, PL 97-258, PL 97-452, 16USC 831 ( h ), PL 98-369, PL 101-508, PL 102-589, PL 104-134, PL 105-46, 5USC 5129 ( b ), 98 Stat. 1153, 6USC 2653 ( a ) ( 1 ), 104 Stat. 1388-287, 106 Stat. 1488, 3USC Also, according the Constitution Article 1 section 10 Article 1 section 10 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. No State shall, without the Consent of the Congress, lay any Imposts or Duties on Imports or Exports, except what may be absolutely necessary for executing it's inspection Laws : and the net Produce of all Duties and Imposts, laid by any State on Imports or Exports, shall be for the Use of the Treasury of the United States ; and all such Laws shall be subject to the Revision and Controul of the Congress. \n\nThe two provisions that empower XXXX to consider any business or agency as a financial institution the 1st is if it engages in any activity that is similar to, related to, or a substitute for any activity in which any business described above is authorized to engage. 31 CFR Section 5312 ( a ) ( 2 ) ( Y ). The second authorizes XXXX to designate any other business as a financial institution if that business has cash transactions that have a high degree of usefulness in criminal, tax, or regulatory matters. See 31 CFR Section 5312 ( a ) ( 2 ) ( Z ).\n\nAs is evident from the list above, the regulations and reporting requirements implemented pursuant to the BSA apply broadly to the financial activities of many businesses and not just banks. As such, the financial activities of a very broad cross-section of the economy can come under the scrutiny of the federal government. Every customer at a car dealership, travel agency, casino, insurance company, or bank is at risk of having a SAR be secretly filed about their financial activities. Given the existence of such scrutiny, all financial institutions and their customers should be cognizant of XXXX and XXXX regulations. Compliance with all regulations is critical to protecting oneself and ones business. Moreover, making finance arrangements that lessen risk, such as avoiding the use of unlicensed money transmitters, is another way to avoid unwarranted investigatory attention. \n\n\n\nXXXX XXXX CFPB TOP PDF XXXX CFPB BOTTOM XX/XX/XXXX Charged off accounts that are fraudulent transactions The OFFICE OF COMPTROLLER OF THE CURRENCY ( OCC ) And FEDERAL TRADE COMMISSION Were Contacted And Reports Were Generated For the Following Accounts Associated Which The Stated Banks/ Financial institutions. \nXXXX XXXX XXXX Charge off / Closed Account -Account number - XXXX XXXX XXXX XXXX - Account number XXXX In Addition There are a bunch Inquiries that need to be removed. I DID NOT AUTHORIZE All Inquiries listed on my consumer report to be removed 1XXXX main! \n2. XXXX XXXX  The doctrine of privity contract ( s ) is a common law principle which provides that a contract can not confer rights or impose obligations upon any person who is not a party to the contract. The premise is that only parties to contracts should be able to sue to enforce their rights or claim damages as such. Res Judicata : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON XXXX XXXX XXXX XXXX CONTRACT, FOR DETERMINATION 'UNCONSCIONABLE CONTRACT ' AND AGREEMENT FOR COMMERCIAL DISCHARGE, I am in receipt of and conditionally accept for value ( honor ) \" Demand For Payment Of Debt '' It has come to my attention that as applied to the above matter, that there may not have been a true qualified 'meeting of the minds, ' that there may be fraud or misrepresentation on the contract and/or the contract itself may be an unconscionable contract, or other controversies that may exist within this contract/transaction.\n\nAs I want to resolve this matter as soon as possible, I am initiating this private-administrative remedy to determine such matters and I do not agree to make payment ( s ) predicated upon your claim. This Equality of Opportunity is to let the lawful record of 15 USC 1992 ( a ) Abusive practices ( b ) Inadequacy of laws ( c ) Available non-abusive collection methods ( d ) Interstate commerce ( e ) Purposes, required by FEDERAL LAW. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. FDIC Law, Regulations, Related Acts. https : //www.fdic.gov/regulations/laws/rules/8000-1250.html USC 1306 . The FTC 's Bureau of Consumer Protection Act ( s ). This Equality of Opportunity is to let the lawful record of The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), reflect that you are required by federal and state law to verify through the physical verification of the original signature of consumers contract any and all accounts you post on any of my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. PROOF OF SIGNATURES AND STATUS AS HOLDER IN DUE COURSE. I demand to see Verifiable Proof of my original Consumer Contract with my Signature on the instrument you have on file of the accounts listed. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account ( s ) listed below. See Attached Instrument ( s ) Proof Of Claim Proof Of Delivery Rescind Debt, Discharge Debt In Accordance To HJR 192 Act of 1933. IRS codes section 1.1001-1 ( 4657 ) C.C.H. states that Federal Reserve Notes ( Dollars ) are valueless. The only lawful money of the United States Of America are gold and silver coins with 1 oz. The Business of Banking. The business of banking, as defined by law and custom, consists in the issue of notes intended to circulate as money..And defines a Bankers Note as : A commercial instrument resembling a bank note in every particular except that it is given by a private banker or unincorporated banking institution. A Person is a Financial Institution ; Unincorporated Banking Institution ; and Financial Agency pursuant to 31 U.S.C. 5312 and a U.C.C. - ARTICLE 3 - NEGOTIABLE INSTRUMENTS.. Acceptance Promissory Note under ( U.C.C. 2-304 ) that states, The price can be made payable in money or otherwise. IRS codes section 1.1001-1 ( 4657 ) C.C.H. states that Federal Reserve Notes ( Dollars ) are valueless. The only lawful money of the United States Of America are gold and silver coins with 1 oz Of pure gold or silver as per Articles VIII and X of the Constitution For the United States of America. or lender promissory notes requiring legal money that is not true money such as : bank checks, cash, check, money orders, attorney checks, bank transfers, wire transfers, FEDERAL RESERVE PROMISSORY NOTE DOLLARS, cashier checks, and certified checks from a bank, attorney, or escrow company are illegal pursuant to Title 31 U.S.C. 5118 ( d ) ( 2 ) ; 31 U.S.C.A. 463 ; and Public Law 97-258 ( ). Contracts requiring legal money such as cash, check, money orders, bank transfers, wire transfers, and Federal Reserve Notes ( DOLLARS ) are illegal and unlawful by Title 31 U.S.C. 5118 ( d ) ( 2 ) ; 31 U.S.C.A. 463 ; and Public Law 97-258. All debts today are discharged by promises to pay in the future. All Federal Reserve Notes, DOLLARS, are registered securities and promise to pay in the future. FRNs are secured by the utility of alive men 's energy or labor. When quoting U.C.C. statutes, the courts require them to be quoted with State or Federal statute designation. U.C.C. codes are United Nations statutes, but are codified in every local jurisdiction. \nIn accordance with XXXX XXXX. XXXX and XXXX XXXX XXXX, such Note instruments are national bank currency and thereby coin or currency of the United States by statutory definition and can be issued by who are banking members of the XXXX and are THE EQUIVALENT OF MONEY as per XXXX XXXX XXXX ( L ) and must be accepted by all banks and financial institutions as payoff, set off, discharge, and full settlement of all debts and loans. Failure to remove this debt will result in legal action HJR XXXX ACT OF XXXX PUBLIC LAW XXXX XXXX U.S.C. XXXX - XXXX XXXX - XXXX XXXX XXXX. XXXX and XXXX XXXX. Payment of obligations and interest on the public debt.. Payment of obligations and interest on the public debt ( a ) The faith of the United States Government XXXX pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. ( b ) The XXXX of the Treasury shall pay interest due or accrued on the public debt. As the XXXX considers expedient, the XXXX XXXX pay in advance interest on the public debt by a period of not more than XXXX year, with or without a rebate of interest on the coupons. ( c ) ( XXXX ) The XXXX XXXX issue a bond, note, or certificate of indebtedness authorized under this chapter whose principal and interest are payable in a foreign currency stated in the bond, note, or certificate. The XXXX XXXX dispose of the bonds, notes, and certificates at a price that is at least par value without complying with section XXXX ( b ) ( d ) of this title. \n( XXXX ) In determining the dollar amount of bonds, notes, and certificates of indebtedness that XXXX be issued under this chapter, the dollar equivalent of the amount of bonds, notes, and certificates payable in a foreign currency is determined by the par of XXXX XXXX value on the date of issue of the bonds, notes, or certificates as published by the Secretary under SECTION XXXX OF THIS TITLE. ( XXXX ) The XXXX XXXX designate depositaries in foreign countries in which any part of the proceeds of bonds, notes, or certificates of indebtedness payable in the foreign currency XXXX be deposited. CITE AS : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX requirements- XXXX ). ( F ) In order to prevent evasions of the reserve requirements imposed by this subsection, after consultation with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the Comptroller of the Currency, and the XXXX XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX XXXX Federal Reserve XXXX is authorized to determine, by regulation or order, that an account or deposit is a transaction account if such account or deposit XXXX be used to provide funds directly or indirectly for the purpose of making payments or transfers to third person. ( XXXX XXXX XXXX XXXX ) This erroneous entrys is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial. Please respond accordingly, A PERSON is a Financial Institution ; Unincorporated Banking Institution ; and Financial Agency pursuant to 31 U.S.C. 5312 and a Acceptance Promissory Note under ( U.C.C. 2-304 ) tha FTC ATTACHED.\n\nThe Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. Federal Deposit Insurance Corporation ( FDIC ), independent U.S. government corporation created under authority of the Banking Act of 1933 ( also known as the Glass-Steagall Act ), with the responsibility to insure bank deposits in eligible banks against loss in the event of a bank failure and to regulate certain banking... The Federal Trade Commission 's Credit Practices Rule states that it is... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. The Federal Trade Commission 's Credit Practices Rule states that it is... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. The Federal Trade Commission has filed a complaint charging a mortgage spamming operation with violating federal laws by using an array of ... According to the fair credit reporting act, all negative items must be removed once it is known as an inaccurate account. These accounts still states accurate on my report, which it is proven to be inaccurate because their was no proof of claim mailed to me. Also according to Hjr 192 IN 1933! the US Congress passed the Emergency Banking Act. It was also announced to the 73rd congress that the UNITED STATES was bankrupt. The passage of House Joint Resolution HJR-192 removed the ability of the public to pay debt with lawful money. \nThis made it illegal to demand lawful money for the payment of debt.See references : 48 Statute 1, Public Law 89-719, HJR 192, Public Law 73-10, American Bar Association Unbound Volume 1938 , 31 USC 53 section 5312 ( 3 ) ( C ), 31USC5312 ( 2 ) ( r ), PL 97-258, 96 Stat. 995, PL 99-570, PL 100-690, PL 103-325, PL 107-56, PL 108-458, 1USC 1362, 6 USC 6185 ( a ), 4USC 405-409, 3USC 321 ( a ), ( b ), 359 ) ( a ), 365 ( c ), 4USC 6202 ( g ), 6203 ( b ), 100 Stat. 3207-33, 102 Stat. 4354, 4357, 108 Stat. 2247, 2252, 115 Stat.315, 328, 335, 118 Stat. 3746, PL 97-258, PL 97-452, 16USC 831 ( h ), PL 98-369, PL 101-508, PL 102-589, PL 104-134, PL 105-46, 5USC 5129 ( b ), 98 Stat. 1153, 6USC 2653 ( a ) ( 1 ), 104 Stat. 1388-287, 106 Stat. 1488, 3USC Also, according the Constitution Article 1 section 10 Article 1 section 10 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. No State shall, without the Consent of the Congress, lay any Imposts or Duties on Imports or Exports, except what may be absolutely necessary for executing it's inspection Laws : and the net Produce of all Duties and Imposts, laid by any State on Imports or Exports, shall be for the Use of the Treasury of the United States ; and all such Laws shall be subject to the Revision and Controul of the Congress. \nIn XXXX Tendered payments WERE ISSUED TO XXXX XXXX XXXX with proof of service and signatures required signed by all creditors. The law states that if the payment is not accepted then XXXX XXXX has five days to return that payment to me with lawful reason for denying it. XXXX XXXX XXXX has failed to do so. In fact it has been [ 96 ] days and the Tender of Payment has yet to be mentioned by XXXX XXXX XXXX XXXX. If the payment is not returned then it is implied that the payment was tendered and received and they collected from the US Treasury and or at Any Federal Reserve Bank. \nIt is left to be implied due to the amount of time given to XXXX XXXX XXXX XXXX. which is well passed the five day time to respond. Attached are the FDCPA laws. ALSO, The new law states \" Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, March 9, 1933 on HR 1491 p. 83. Therefore all are hereby notified that i XXXX XXXX do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligation and must be handled in accord with the dictates of statute. i have accepted the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. They were to present the item ( remittance coupon ) to the United States Treasury Department or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full. Rather it has been over [ 96 ] days and nothing has posted as paid tendered or discharged and this disables me by way of doing business employment and living free. \nXXXX XXXX XXXX XXXX. has notified the Credit Reporting Agency. that i am late to a debt that was paid in full as of i have the CFPB COMPLAINT ID NUMBERS attached which is the delivery proof which is undeniable, and therefore the payment was received on time and is not late, as well the payment format was never returned to me. If XXXX XXXX XXXX XXXX, has decided to deny the payment then the debt obligation is DISCHARGED! So again! I am writing you about inaccuracies that are being inequitably furnished by XXXX on my Consumer Report. These inaccuracies damaged my right to extend credit. I am being discriminated against by a long list of apartment complexes solely due to harmful information on my consumer report. According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I hereby put your organization on notice and am informing you that I NEVER gave consent to this report being furnished by you on my behalf. I am aware of the fact that your organization ASSUMED a vital role. Because of this, my livelihood has been adversely affected. There is no law that states anything needs to be reported to a consumer reporting agency. Therefore, XXXX is liable under 15 USC 1681n. 15 USC 1681 ( a ) ( 4 ), clearly states that consumer reporting agencies MUST exercise their grave responsibilities with fairness, impartiality, and RESPECT for THE CONSUMERS RIGHT TO PRIVACY. Your organization neither exercised its responsibilities with fairness and impartiality NOR protected MY right to PRIVACY. Please show me the law where it states a credit reporting agency may report non public personal information on a consumer without consent. I called and spoke to your representatives several times to remedy this. Ive lost countless hours since XXXX to this. Ive lost sleep, nutrition, a portion of my moving money, and am STILL suffering from mental anguish and anxiety every day as a result of this. Ive been XXXX assaulted by an XXXX driver. Something that wouldve never happened if it werent for you people. \nAvailable homes I am qualified for are being rented by others as my reputation continues to be affected by these inaccuracies and without my consent. I have a deadline to move by XX/XX/XXXX and My safe livelihood is at stake and I am at risk of homelessness because of YOU not PROTECTING MY RIGHT TO PRIVACY and furnishing non-public personal information WITHOUT MY CONSENT. You should be ashamed for operating in a way that puts consumers lives at risk, blatantly committing fraud, and aggressively violating consumer rights to privacy. I am requesting proof that XXXX investigated any negative items you furnished to my consumer report. This grave step affects my reputation. Pursuant to 15 USC 1681a ( e ) an investigative consumer report would mean you conducted interviews with family and friends. You must not rely on information from a creditor. In the FCRA, 15 USC 1681a ( e ) clearly states that an investigative consumer report is ; obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information SHALL NOT include factual information on a consumers credit record OBTAINED DIRECTLY FROM A CREDITOR of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Further, pursuant to 15USC 6802 ( b ) I was supposed to be given a disclosure to opt out of my non public personal information being reported by a non affiliated third party. I was not given this disclosure. Further, pursuant to 15 USC 1681b credit reporting is voluntary.\n\nI did NOT consent neither did I provide written notice to you to report account status. Pursuant to 15 USC 1666b timing of payments, a creditor MAY NOT treat a payment on a credit card under an open ended credit plan as late for ANY PURPOSE. Pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand you to do the following today ; Block and Delete the following XXXX XXXX XXXX Charge off / Closed Account -Account number - XXXX XXXX XXXX XXXX  - Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nI the living man have demanded these accounts be VALIDATED ( not a verification ) WITH ORIGINAL CONTRACTS or DOCUMENTS WITH MY ( WET SEAL SIGNATURE ) on them on a CERTIFIED COPY OF the TRUE BILL ( not a statement ) or REMOVE ACCOUNTS IF THEY CAN'T BE VALIDATED. SEND ME PROOF BY EMAIL to XXXX and by CERTIFIED MAIL to XXXX XXXX XXXX XXXX, XXXX Georgia XXXX WITH TRACKING NUMBER I Demand that of the listed accounts update. The Trading with the ememy acct. By 28 U.S Code & 3002 / UCC 1 308, HJR 192 1933 and US Constitution Article 1 Section 10... I the living man demand that FRAUDULENT ACCT. ( XXXX ) XXXX XXXX XXXX Charge off / Closed Account - Account number - XXXX FRAUDULENT ACCOUNT ( 2 ) XXXX XXXX XXXX - Account number XXXX All Inquiries are Disputed as FRAUDULENT and need to be VALIDATED XXXX XXXX  Inquiry date XX/XX/XXXX. / Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX / Removal date XX/XX/XXXX I the living man wants all accounts to be VALIDATED that I the living man was giving money when it No money as the country is Bankrupt and in Bankruptcy it has, been no money snice all the GOLD & SILVER was taken and the BANKRUPT XXXX XXXX XXXX is pushing worthless paper as money when its no money so how is the living man supposed to pay with money when its no money only FIAT CURRENCY when I the living man is the Grantor and Beneficiary of the ESTATE for the ALL CAPS NAME called XXXX XXXX XXXX i'm not the ALL CAPS NAME e.g I'm the only legally Authorized Representative that can sign for the ALL CAPS NAME these accounts claim all accounts all been VALIDATED, WITH CERTIFIED COPY OF THE TRUE BILL & ORIGINAL CONTRACT DOCUMENTS THAT HAVE MY WET SEAL SIGNATURE ON THEM I DEMAND ALL OF THIS PROOF TO BE SENT TO Either of THE LIVING MAN addresses listed. \n\nI DEMAND TO SEE THIS PROOF ASAP and I need this to be stated on the record for equity court as I the living man will file suit and make an special appearance in court to have these accounts to be VALIDATED, Certified Copy of TRUE BILL and the Original Contract & Documents that ho","date_sent_to_company":"2023-03-11T16:08:11.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"30016","tags":null,"has_narrative":true,"complaint_id":"6681290","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2023-03-11T16:07:50.000Z","state":"GA","company_public_response":null,"sub_issue":"Billing dispute for services"},"highlight":{"complaint_what_happened":["In the <em>FCRA</em>, 15 USC 1681a ( e ) clearly states that an investigative <em>consumer</em> report is ; 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