{"took":713,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":24,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3554488","_score":22.376942,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"When retrieving my credit report of XX/XX/2019 on XXXX I noticed irregularities which led me to find out I am in fact a victim of identity theft. There has been several charges made on multiple credit cards of mine and then finding out of new accounts that I never opened. I did NOT make these transactions nor open any new accounts. This was definitely a direct result of identity theft. It has now come to my attention that my former roommate, XXXX XXXX with whom I moved in with after separating from wife, XXXX XXXX on XX/XX/19. XXXX has called several furnishers to retrieve information and opened new accounts without my consent. XXXX preyed on my emotions at a very vulnerable time and as soon as I started to suspect irregularities in my financial portfolio, she took her son out of school and moved to XXXX XXXX, NV, I believe living with a grandmother that resides there. I have read The guidelines for the procedure by the FTC and have taken all measures necessary. In addition, I filed 2 police reports in both towns I live/lived for theft and fraud, have put fraud alerts on my credit report with all 3 bureaus, informed all necessary parties of the identity theft and have written letters to all furnishes and the bureaus. As a direct result of this I have lost {$50000.00} and have had hundreds of inquiries falsely made under my name. Today I still receive calls from debt collectors and loan officers. It has been a horrific year to say the least. I have ignorantly now fully educated myself on cyber crimes and the measures one takes to secure and recover their credit. I hope that I am given a refund for the money that the individual has stolen without my consent and my credit report will be corrected appropriately. I also would like to let people know that you dont know when it may happen or even if it will happen at all to you so now being a victim of identity theft I can only suggest to everyone to educate yourself on identity theft and take action to protect yourself. And hopefully together we can fight against cyber crimes.","date_sent_to_company":"2020-03-04T18:18:16.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07728","tags":null,"has_narrative":true,"complaint_id":"3554488","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2020-03-04T18:18:09.000Z","state":"NJ","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I also would like to let people know that you dont know when it may happen or even if it will happen at all to you so now being a victim of <em>identity</em> <em>theft</em> I can only suggest to everyone to educate <em>yourself</em> on <em>identity</em> <em>theft</em> and take action to <em>protect</em> <em>yourself</em>. And hopefully together we can fight <em>against</em> cyber crimes."]},"sort":[22.376942,"3554488"]},{"_index":"complaint-public-v1","_id":"3554229","_score":22.342815,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"When retrieving my credit report of XX/XX/2019 on XXXX   I noticed irregularities which led me to find out I am in fact a victim of identity theft. There has been several charges made on multiple credit cards of mine and then finding out of new accounts that I never opened. I did NOT make these transactions nor open any new accounts. This was definitely a direct result of identity theft. It has now come to my attention that my former roommate, XXXX XXXX with whom I moved in with after separating from wife, XXXX XXXX on XX/XX/19. XXXX has called several furnishers to retrieve information and opened new accounts without my consent. XXXX preyed on my emotions at a very vulnerable time and as soon as I started to suspect irregularities in my financial portfolio, she took her son out of school and moved to XXXX XXXX, NV, I believe living with a grandmother that resides there. I have read The guidelines for the procedure by the FTC and have taken all measures necessary. In addition, I filed 2 police reports in both towns I live/lived for theft and fraud, have put fraud alerts on my credit report with all 3 bureaus, informed all necessary parties of the identity theft and have written letters to all furnishes and the bureaus. As a direct result of this I have lost {$50000.00} and have had hundreds of inquiries falsely made under my name. Today I still receive calls from debt collectors and loan officers. It has been a horrific year to say the least. I have ignorantly now fully educated myself on cyber crimes and the measures one takes to secure and recover their credit. I hope that I am given a refund for the money that the individual has stolen without my consent and my credit report will be corrected appropriately. I also would like to let people know that you dont know when it may happen or even if it will happen at all to you so now being a victim of identity theft I can only suggest to everyone to educate yourself on identity theft and take action to protect yourself. And hopefully together we can fight against cyber crimes.","date_sent_to_company":"2020-03-04T18:18:16.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07728","tags":null,"has_narrative":true,"complaint_id":"3554229","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2020-03-04T18:18:09.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I also would like to let people know that you dont know when it may happen or even if it will happen at all to you so now being a victim of <em>identity</em> <em>theft</em> I can only suggest to everyone to educate <em>yourself</em> on <em>identity</em> <em>theft</em> and take action to <em>protect</em> <em>yourself</em>. And hopefully together we can fight <em>against</em> cyber crimes."],"company":["SYNCHRONY <em>FINANCIAL</em>"]},"sort":[22.342815,"3554229"]},{"_index":"complaint-public-v1","_id":"3554523","_score":22.28617,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"When retrieving my credit report of XXXX on annualcreditreport.com I noticed irregularities which led me to find out I am in fact a victim of identity theft. There has been several charges made on multiple credit cards of mine and then finding out of new accounts that I never opened. I did NOT make these transactions nor open any new accounts. This was definitely a direct result of identity theft. It has now come to my attention that my former roommate, XXXX XXXX with whom I moved in with after separating from wife, XXXX XXXX on XX/XX/XXXX. XXXX has called several furnishers to retrieve information and opened new accounts without my consent. XXXX preyed on my emotions at a very vulnerable time and as soon as I started to suspect irregularities in my financial portfolio, she took her son out of school and moved to XXXX XXXX, NV, I believe living with a grandmother that resides there. I have read The guidelines for the procedure by the FTC and have taken all measures necessary. In addition, I filed 2 police reports in both towns I live/lived for theft and fraud, have put fraud alerts on my credit report with all 3 bureaus, informed all necessary parties of the identity theft and have written letters to all furnishes and the bureaus. As a direct result of this I have lost {$50000.00} and have had hundreds of inquiries falsely made under my name. Today I still receive calls from debt collectors and loan officers. It has been a horrific year to say the least. I have ignorantly now fully educated myself on cyber crimes and the measures one takes to secure and recover their credit. I hope that I am given a refund for the money that the individual has stolen without my consent and my credit report will be corrected appropriately. I also would like to let people know that you dont know when it may happen or even if it will happen at all to you so now being a victim of identity theft I can only suggest to everyone to educate yourself on identity theft and take action to protect yourself. And hopefully together we can fight against cyber crimes.","date_sent_to_company":"2020-03-04T18:17:48.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07728","tags":null,"has_narrative":true,"complaint_id":"3554523","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2020-03-04T15:16:19.000Z","state":"NJ","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I also would like to let people know that you dont know when it may happen or even if it will happen at all to you so now being a victim of <em>identity</em> <em>theft</em> I can only suggest to everyone to educate <em>yourself</em> on <em>identity</em> <em>theft</em> and take action to <em>protect</em> <em>yourself</em>. And hopefully together we can fight <em>against</em> cyber crimes."],"company":["Bread <em>Financial</em> Holdings, Inc."]},"sort":[22.28617,"3554523"]},{"_index":"complaint-public-v1","_id":"13661203","_score":16.489607,"_source":{"product":"Checking or savings account","complaint_what_happened":"Wells Fargo is so bad that I don't even want to waste my time going into further details about this situation. Wells Fargo continues to deny that anything was done wrong, yet it has been proven otherwise on such a large scale that I can not believe I was a victim in such a serious way by criminals who are not getting punished. My issues from my previous complaint were not resolved on XX/XX/XXXX, and I was not able to contact the representative who wrote the response. What a surprise. Anyhow : here we go again : Please send this to a regulatory agency as opposed to a fraudulent bank that is not learning from its mistakes ( they seem to understand everything to protect themselves from stealing from their customers from a legal standpoint, of course. \n\nCFPB : PLEASE HELP. Wells Fargo is doing this to people who can not stand up for themselves.... I just know it, and it is sad. In reference to the story below, I had excellent credit and had saved a lot of money to be stolen. I have little or nothing and will be working the rest of my life to make up for the crime committed against me. \n\nComplaint : Hello Wells Fargo, I attempted to obtain credit after all of these years, and I am not able to get credit at all. I am not able to get credit due to the identity theft that happened at your bank, and that you have continually denied over the years. It has been proven that my identity was stolen in XXXX. \n\nI deserve better customer service than this. I did not work my entire life to get all of my money stolen from your bank so that I would never be able to go on vacation or buy a home. Had my money not been stolen, my bills would have been paid, and I would not have gone homeless. I hope that you would take it seriously that Wells Fargo was involved with the transactions that made me homeless and that Wells Fargo historically refused to look into the fraud and continued to put that burden onto me which has been a tireless effort considering that I know nothing about fraud and that every single detail that I have brought to light- has gone entirely ignored by the ECMO offices. Please help with more than just sending me an acknowledgement letter in the mail. \n\nWells Fargo is an established financial institution that should take their customers seriously, as you are capable of causing the consumer severe issues, emotional distress, and problems that you can not even imagine yourself.\n\nAs a Wells Fargo Banker, I hope that you know that you are committing a crime against others, yet attempting to be a contributing society member. Doesn't make sense to me.\n\nThank you for your time and consideration : all I want is financial transparency with my own funds that I paid Wells Fargo to lose without a trace. It shouldn't have been hard for them to have done with me at all over the years, but trust me, it has.","date_sent_to_company":"2025-05-22T22:30:28.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"27712","tags":null,"has_narrative":true,"complaint_id":"13661203","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-05-22T22:12:09.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["I have little or nothing and will be working the rest of my life to make up for the crime committed <em>against</em> me. \n\nComplaint : Hello Wells Fargo, I attempted to obtain credit after all of these years, and I am not able to get credit at all. I am not able to get credit due to the <em>identity</em> <em>theft</em> that happened at your bank, and that you have continually denied over the years. It has been proven that my <em>identity</em> was stolen in XXXX. \n\nI deserve better customer service than this."]},"sort":[16.489607,"13661203"]},{"_index":"complaint-public-v1","_id":"9388410","_score":13.9435215,"_source":{"product":"Credit card","complaint_what_happened":"I applied for a consumer credit extension of my own right to credit and I have granted the the right to access my Social Security Account and they never used my account number to validate the identity of me as the name and person on that device is not mine. It is the device I am to use to obtain the things I need to live right as the consumer. \nI applied for the good, product service for my personal and household use. That makes any and all applications I place my account information on and the Bank XXXX Financial Institution ) and the application was exchanged for the notes for which I submitted and applied for the things I need. These institutions have violated the law and they have committed fraud against me as the authorized representative for the person on that credit card. I can not be denied, I can not be deprived and restricted from my own securities that they have cashed in on and decided to discriminate against me. If these following companies and acting banks want to withhold me of my rights, then I need the original application with my signature on it returned to me as it is my property and these companies have also completed a XXXX OID and they made me the recipient of the funds when I am the payer of the funds. That is fraud. I have sent court approved documents and they have failed to comply and failed to complete the contract. They are in dishonor and now I am being harmed. \nThese applications need to be reconsidered and I order these trustees to do their job and I will give them 3 days as they have already been paid for the item in which I applied for. They owe me my property, my security, and all the proceeds that are being generated from the account. I also have a XXXX account but I will require that the following bankruptcy financial institutions to deliver my property and my products and services that I applied for and they were to include all the upgrades, window tint, service, insurance, all fees, all charges, all tax and liability. I need it all to be included in the finance charge, XXXX, Tires, and maintenance. I also require a gas allowance each month. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX XXXX ( application, denied access to credits when they were paid ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fully loaded XXXX XXXX XXXX XXXX XXXX XXXX owes me a vehicle too. \n( application, denied me access to credits and they were paid and I was harmed ) XXXX XXXX XXXX ( This corporation ran my account XXXX x and they said they were doing once. They also are in violation of the law and they repossessed my property that they never reported to the police station and they are in breach of contract and in violation of spot loans ) This will be going to federal district court because theres a massive injury and harm here that I am the one that has suffered a loss. ) XXXX XXXX owe me a vehicle I am in need of these corporations to follow the law as I am not the Corporate Account. I am the authorized representative of that account. \n\nI need my accounts and proceeds, interest, and equity and the vehicles delivered to me at my place of domicile XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX I also need these officers of these corporations to provide me with the XXXX insurance bond holder as I will be filing a claim on the insurance policy for harm caused. I need that information by Tuesday XX/XX/XXXX. \n\nI will be sending the IRS Treasury Department the XXXX XXXX, XXXX, XXXX, XXXX, XXXX for the XXXX XXXX XXXX XXXX. \n\nThere is no statute of limitations on fraud and I have been violated harmed and I will be coming and reporting this withholding with the IRS treasury. Corrected and I am also sending the 1099a 's. I have updated the accounting methods to the GAAP.\n\nThis is my equity and my interest and you all owe me my rent for using my account to pay yourself but all these financial institutions are in violation of the privacy act of 1974 15 usc 1681 15 usc 1635 15 usc 1662b 15 usc 1605 15 usc 1635 I'm sure these institutions have not filed a fiduciary form with the IRS. That would be massive and a huge crime. All these trustees and coo and trust banks are in violation of the federal law in which I am protected and these organizations are in breach of contract and breach of trust fraud, and they are also in risk of being charged and facing 25 years in federal prison.\n\nThey have till Tuesday to to correct and deliver me my goods. The FTC will be getting a report also. This is not ok.\n\nI can authorize on behalf of all these acting persons because I have that power and I will do what I need to and I will be sure to collect and report all the fraud and id theft and securities fraud.","date_sent_to_company":"2024-07-01T01:09:07.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"91765","tags":null,"has_narrative":true,"complaint_id":"9388410","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mercedes Benz Financial Services","date_received":"2024-06-30T23:31:06.000Z","state":"CA","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["I can authorize on behalf of all these acting persons because I have that power and I will do what I need to and I will be sure to collect and report all the <em>fraud</em> and id <em>theft</em> and securities <em>fraud</em>."],"company":["Mercedes Benz <em>Financial</em> Services"]},"sort":[13.9435215,"9388410"]},{"_index":"complaint-public-v1","_id":"5474020","_score":13.324124,"_source":{"product":"Debt collection","complaint_what_happened":"I'm writing this complaint and there is no third party company. \n\nTo whom may concern This is in response to the CFPB your company provided to me and the lack of validation pursuant 15 USC 1692g I received in my mail. I contacted the Attorney General of Florida, I reported the fraud from your company with the FTC. If you default again I will contact the Office of Financial Regulations, file a police report due to Identity theft by your company and File a complaint with the XXXX XXXX XXXX \n\nPlease be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated several sections of this act by ( Affidavit attached ) : ( a ) Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified CFPB complaint under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the \" abuse & harassment '' subsection of the statute, 15 USC 1692 ( g ) Section 806 ( 5 ) You proceeded to mail a simple statement which is NOT considered a \" validation of debt '' by any means. You may wish to familiarize yourself with what is required when validating a debt. ( you failed to provide me with the 5 things pursuant 15 USC 1692 ( g ) ) Your office also proceeded to contact me by the credit bureaus after the delivery and acceptance of my certified cfpb complaint I made online. Contacting a person after a cease and desist can lead to serious trouble for your agency including damages of up to {$1000.00} per incident. You may wish to familiarize yourself with what communication means. Pursuant 15 USC 1692 The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. You are conveying information regarding a debt to a third party company ( credit bureaus ) which is also another violation pursuant 15 USC 1692c ( b ). \n\nI highly doubt that this debt is worth your agency 's license and the fees and penalties for violations of the FDCPA. Please be advised the demands in the cease and desist were not met. Attached with this complaint an affidavit of truth, Exhibit A marking each violation from your company, and all previous attachments sent to your company. \n\nFurthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, ( Law Attached ) therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, of which I am allowed under the FDCPA. \n\nPlease note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt.\n\nFurthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. \n\nThere is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. \n\nOn XX/XX/XXXX you have willfully reported an unverified and disputable debt to the credit bureaus. Which is a violation of the Fair Credit Reporting Act. I will state again in this certified CFPB complaint that you have failed to verify the debt as accurate, you have provided no proof of this alleged debt, and I must remind you again to not contact me in any way via credit bureaus or mail in reference to collecting this debt unless is to to invoke a specified remedy.. \n\nIf I receive anything other than absolute proof from you, provided by the original creditor, I will assume you are harassing me and ignoring my cease and desist, and I will take action against you for these continued violations and abuse. \n\nI will create an invoice in the future for damages of up to {$1000.00} per violation in case you default again with my REQUESTED remedy.","date_sent_to_company":"2022-04-20T23:11:37.000Z","issue":"Communication tactics","sub_product":"I do not know","zip_code":"32825","tags":null,"has_narrative":true,"complaint_id":"5474020","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Transfinancial Companies, Inc","date_received":"2022-04-20T22:43:17.000Z","state":"FL","company_public_response":null,"sub_issue":"Used obscene, profane, or other abusive language"},"highlight":{"complaint_what_happened":["I contacted the Attorney General of Florida, I reported the <em>fraud</em> from your company with the FTC. If you default again I will contact the Office of <em>Financial</em> Regulations, file a police report due to <em>Identity</em> <em>theft</em> by your company and File a complaint with the XXXX XXXX XXXX \n\nPlease be apprised that you are in direct violation of the Fair Debt Collections Practices Act."]},"sort":[13.324124,"5474020"]},{"_index":"complaint-public-v1","_id":"11155582","_score":12.942412,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Experian Back Office Team, I am responding to your recent refusal to comply with my FTC Identity Theft Report and supporting documentation, which is in clear violation of 15 U.S.C. 1681c-2 ( FCRA Section 605B ). Your rejection of my rightful request to block unauthorized items is unlawful, baseless, and constitutes a willful disregard for my consumer, civil, and constitutional rights. \nstatement that the FTC Identity Theft Report must be filed with a law enforcement agency to be valid. This statement is incorrect and represents a misinterpretation of federal law, specifically the Fair Credit Reporting Act ( FCRA ), and I urge you to review the applicable regulations governing identity theft and consumer rights. \nThe Law Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, there is no requirement that an FTC Identity Theft Report be filed with any law enforcement agency for it to be valid. According to this law : 1. Section 1681c-2 ( b ) : A consumer only needs to submit an FTC Identity Theft Report to the credit reporting agency , which is sufficient to block fraudulent information on the credit report. The FTC Identity Theft Report is designed to be used directly by consumers to challenge fraudulent entries on their credit reports without needing any additional action by law enforcement. \n2. No Police Report Requirement : The law does not require a police report in addition to the FTC report. The FTC Identity Theft Report itself is the essential document in resolving fraud-related credit report disputes. The consumer has the legal right to use this document to ensure that fraudulent information is blocked from their credit file within four business days as per FCRA 1681c-2 ( b ).\n\nBy claiming that the FTC report must be filed with law enforcement, you are infringing upon my rights and misapplying the law. Your refusal to accept the FTC Identity Theft Report without further law enforcement action is a direct violation of my rights under 15 U.S.C. 1681i, which requires you to investigate disputes and ensure the accuracy of the information on my credit report. \n\nI have been patiently and diligently adhering to my rights as a consumer, providing you with all the necessary documentation to correct the unauthorized information on my credit report. Despite my repeated efforts, including sending you my FTC Identity Theft Report, proof of address, my drivers license, Social Security card, and other forms of identification, my request for removal of fraudulent information remains unaddressed. I have made every reasonable attempt to resolve this matter, ensuring that all documents were submitted correctly and promptly. Yet, you continue to refuse to take any action. \nIt is abundantly clear that Experian is intentionally disregarding my rights as a consumer, which is not only unlawful but unethical. Your failure to act, despite receiving all required documentation and my repeated requests, represents a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which mandates that you investigate and correct inaccuracies on a credit report. Your actions amount to gross negligence at best, and willful disregard of my rights as a consumer at worst. \nThe Consequences of Experians Unlawful Actions Your continuous refusal to correct the misrepresented information on my credit report is having an extremely detrimental impact on my financial future. The misrepresentation of my credit report has adversely affected my ability to access credit, secured loans, and any financial opportunities that I am lawfully entitled to as a consumer. The unauthorized entries you refuse to remove are obstructing my right to financial freedom and undermining my economic security. \nBy failing to act, you are effectively harming my reputation in the credit system, creating barriers that prevent me from moving forward in a lawful and equitable manner. Your actions are not just an inconveniencethey are actively damaging my ability to participate in the economy, access housing, apply for loans, or even engage in basic financial transactions. These ongoing issues are resulting in unjustified financial harm, and Experians refusal to correct the inaccuracies is making this harm permanent. \nUnlawful Practices and Their Impact on Me The persistent disregard of my due diligence is not only unlawful but constitutes intentional harm. Under FCRA 1681n, your continued failure to address these issues may constitute willful noncompliance, subjecting you to punitive damages and liability for all damages caused by your actions. The law is clear : you are responsible for correcting any inaccuracies and for protecting consumers like myself from fraud and harm. Your refusal to follow the law demonstrates a flagrant disregard for my consumer rights, my constitutional rights, and the legal protections afforded to me under the FCRA. \nAdditionally, under FCRA 1681o, your failure to perform a reasonable investigation and take action after being given clear, documented proof of my claims makes you liable for actual damages, legal fees, and potentially punitive damages. \nExperians Repeated Failures and the Severity of These Violations You are well aware that this situation is no longer just a simple disputeit is a pattern of unlawful practices. I have sent equitable letters on numerous occasions, clearly outlining the fraudulent activity, providing documentation of my identity, and even filing an FTC report, all in accordance with the law. Despite this, I am still facing civil penalties and denied my consumer rights through your inaction. Your actions have not only been negligent but appear to be a calculated effort to deny my rightful claims. \nThis ongoing violation of my consumer rights has reached a point of no return. Your unwillingness to make necessary corrections has made it clear that Experian has no regard for the financial security and well-being of consumers. These actions directly conflict with the FCRA, and Experians continued failure to comply with the law is causing me direct, measurable harm. \nYour refusal to act is not just a slight inconvenience ; it is an active violation of my constitutional rights, civil rights, and the protections provided by federal law. The misrepresentation of my financial standing is undermining my entire future and represents an ongoing financial injury for which Experian is legally responsible. \n\n\n\nUnauthorized Accounts to Be Removed XXXX. XXXX XXXX  : Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Numbers : XXXX, XXXX XXXX. XXXX XXXX : Account Number : XXXX XXXX. XXXX XXXX ( XXXX ) : Account Number : XXXX XXXX. XXXX XXXX XXXX  : Account Number : XXXX Unauthorized Names to Be Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX \nshould appear on my report. \nUnauthorized Addresses to Be Removed XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Only XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX authorized. \n\n\n\nExperians Legal Obligation Under FCRA 1681i, you are legally obligated to investigate disputed information on a consumers credit report. The FTC Identity Theft Report is a valid form of documentation to begin that process, and Experian must take immediate action once it is provided. Your failure to recognize this report and insist upon additional, unlawful requirements constitutes an obstruction of my rights. \nShould you continue to insist that a law enforcement filing is required for an FTC Identity Theft Report to be valid, you are subjecting yourself to further liability under 15 U.S.C. 1681n, which allows for the recovery of damages, attorney fees, and punitive damages for willfully failing to comply with the FCRA. Additionally, under 15 U.S.C. 1681o, if this violation is determined to be negligent, you are still liable for actual damages and attorneys fees.\n\nConclusion I demand that you immediately remove all fraudulent entries from my credit report as required by 15 U.S.C. 1681c-2 and 15 U.S.C. 1681i, based on the FTC Identity Theft Report I have already submitted. Any continued refusal to do so will not only violate federal law but also expose Experian to further legal action, including a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and potential civil litigation for the damages caused by your unlawful actions.\n\nYour attempt to accuse me of a material misrepresentation or error is not only defamatory but also unfounded. An FTC Identity Theft Report, filed under penalty of perjury, is sufficient under federal law to block the disputed information within four business days of receipt. You have failed to comply with this mandate, exposing Experian to legal liability. \nLegal Violations and Case Law 1. Violation of 15 U.S.C. 1681c-2 : By failing to block the disputed items, you are in direct violation of the FCRA. Courts have repeatedly ruled that credit reporting agencies can not delay or refuse a proper identity theft claim ( see XXXX v. XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ). \n2. Civil Rights Violation : By holding false and unauthorized information against my will and disregarding my multiple notifications, you are infringing upon my civil rights under 42 U.S.C. 1983, as you are willfully obstructing my right to accurate credit reporting. \n3. Constitutional Right to Privacy : Your continued retention of disputed personal information violates my Fourth Amendment right to privacy by unlawfully holding unauthorized data despite clear notice and demand for removal. \nPersonal Accountability of Experians Back Office Team Let this serve as notice that individual accountability will be pursued against Experians back office team. I will take the necessary legal steps to subpoena records that identify the specific employees who handled my case. Per 15 U.S.C. 1681n, Experian and its employees can be held individually liable for willful noncompliance with the FCRA. You should be aware that Experian has faced similar lawsuits, such as : XXXX v. XXXX, XXXX ( XXXX ) - Resulted in {$60.00} XXXX awarded for inaccurate reporting and FCRA violations. \nXXXX v. Experian - Courts have repeatedly affirmed Experians duty to investigate and correct disputed items. \nDemands This letter demands the immediate and permanent removal of the following unauthorized accounts, names, addresses, Failure to comply with this demand within the legally required timeframe will leave me with no choice but to : 1. File a formal civil lawsuit against Experian and its back office team for FCRA violations, defamation, and emotional distress.\n\n2. Pursue legal discovery to identify individual employees responsible for this unlawful conduct.\n\n3. Report Experians willful violations to the CFPB, FTC, and State Attorney General for further investigation and penalties.\n\nExperian has been held accountable in the past, and this situation will be no different. Do not misrepresent federal law or attempt to obstruct my rights again.","date_sent_to_company":"2024-12-15T02:07:18.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33579","tags":null,"has_narrative":true,"complaint_id":"11155582","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-15T01:54:34.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The law is clear : you are responsible for correcting any inaccuracies and for <em>protecting</em> consumers like myself from <em>fraud</em> and harm. Your refusal to follow the law demonstrates a flagrant disregard for my consumer rights, my constitutional rights, and the legal protections afforded to me under the FCRA."]},"sort":[12.942412,"11155582"]},{"_index":"complaint-public-v1","_id":"5849817","_score":12.260912,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"HYUNDAI CAPITAL / KIA MOTORS FINANCE / XXXX My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against HYUNDAI CAPITAL / KIA MOTORS FINANCE , for committing identity theft. I have never given HYUNDAI CAPITAL / KIA MOTORS FINANCE, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).\n\nI have not validated any alleged debt with HYUNDAI CAPITAL / KIA MOTORS FINANCE and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of 8/3/2022, I have not received any documentary evidence, such as a trilateral contract, giving HYUNDAI CAPITAL / KIA MOTORS FINANCE any right to collect on this alleged debt.\n\nI have never received any documentation requesting validation from HYUNDAI CAPITAL / KIA MOTORS FINANCE, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If HYUNDAI CAPITAL / KIA MOTORS FINANCE, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.\n\nI am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until HYUNDAI CAPITAL / KIA MOTORS FINANCE, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and HYUNDAI CAPITAL / KIA MOTORS FINANCE, continues its collection efforts, I will file for litigation for actual damages caused and HYUNDAI CAPITAL / KIA MOTORS FINANCE, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f.\n\nThe definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability.\n\nThe status of this account reporting as a Charge Off is an inaccurate account, which is a violation of 15 U.S. Code 1681e ( b ).\n\nReferring to the IRS Publication, Publication 4681 Cat. No. 51508F Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ), Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return unless one of the exceptions or exclusions described later applies. '' Pursuant to 26 U.S. Code 61 ( a ) ( 11 ) - Gross income defined Except as otherwise provided in this subtitle, gross income means all income from whatever source derived, including ( but not limited to ) the following items : Income from discharge of indebtedness.\n\nAs defined by the IRS, even if you didnt receive a Form 1099-C, you MUST report Canceled Debt as Gross Income on your tax return, according to the IRS. For an account to be Charged Off, the debt had to have been Canceled. Canceled Debt must be reported as Gross Income on a tax return. Its illegal to report Income to my consumer report.\n\nAccording to Publication 4681 Cat. No. 51508F Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ) Also, if your debt is canceled and the lender must file Form 1099-C, the lender can include the information about the abandonment on that form instead of on Form 1099-A. The IRS clearly explains that if my debt is canceled then the lender, which is yourself, MUST file a 1099-C.\n\nIf ( HYUNDAI CAPITAL / KIA MOTORS FINANCE ) has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. \n\nI am aware that a 1099-C must be mailed to consumers by January 31st the following calendar year in which the identifiable event occurs. I did not receive anything which is a violation. If your company has mailed me a 1099-C, please provide documentary evidence, such as a tracking number, that proves I in fact received and was aware of a 1099-C.\n\nReferring to the IRS Publication, Instructions for Forms 1099-A and 1099-C ( Rev. January 2022 ) Acquisition or Abandonment of Secured Property and Cancellation of Debt. \" Form 1099-C must be filed regardless of whether the debtor is required to report the debt as income. '' If the canceled debt was not more than {$600.00}, ( Company Name ) is still required to report the debt as income to the IRS.\n\nThe continued reporting of this inaccurate information is a clear violation of 15 U.S. Code 1681s-2 of your responsibilities as a furnisher of information & 15 U.S. Code 1681e ( b ).","date_sent_to_company":"2022-08-05T13:11:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30344","tags":null,"has_narrative":true,"complaint_id":"5849817","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HYUNDAI CAPITAL AMERICA","date_received":"2022-08-05T12:56:35.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["HYUNDAI CAPITAL / KIA MOTORS FINANCE / XXXX My name is XXXX XXXX, a federally <em>protected</em> consumer, and I am making this complaint <em>against</em> HYUNDAI CAPITAL / KIA MOTORS FINANCE , for committing <em>identity</em> <em>theft</em>. I have never given HYUNDAI CAPITAL / KIA MOTORS FINANCE, any permission to use any of my identifying information to commit mail <em>fraud</em> by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal."]},"sort":[12.260912,"5849817"]},{"_index":"complaint-public-v1","_id":"5849797","_score":12.240068,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX / TRANSUNION/XXXX  My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX / XXXX XXXX XXXX XXXX for committing identity theft. I have never given XXXX XXXX / XXXX XXXX XXXX, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). \n\nI have not validated any alleged debt with XXXX XXXX / XXXX XXXX XXXX and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving XXXX XXXX XXXX XXXX XXXX XXXX any right to collect on this alleged debt. \nI have never received any documentation requesting validation from XXXX XXXX XXXX XXXX XXXX XXXX, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If XXXX XXXX / XXXX XXXX XXXX, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. \n\nI am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX / XXXX XXXX XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX / XXXX XXXX XXXX, continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX / XXXX XXXX XXXX, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. \nThe definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. \n\nThe status of this account reporting as a Charge Off is an inaccurate account, which is a violation of 15 U.S. Code 1681e ( b ).\n\nReferring to the IRS Publication, Publication 4681 Cat. No. 51508F Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ), Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return unless one of the exceptions or exclusions described later applies. '' Pursuant to 26 U.S. Code 61 ( a ) ( 11 ) - Gross income defined Except as otherwise provided in this subtitle, gross income means all income from whatever source derived, including ( but not limited to ) the following items : Income from discharge of indebtedness.\n\nAs defined by the IRS, even if you didnt receive a Form 1099-C, you MUST report Canceled Debt as Gross Income on your tax return, according to the IRS. For an account to be Charged Off, the debt had to have been Canceled. Canceled Debt must be reported as Gross Income on a tax return. Its illegal to report Income to my consumer report.\n\nAccording to Publication 4681 Cat. No. 51508F Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ) Also, if your debt is canceled and the lender must file Form 1099-C, the lender can include the information about the abandonment on that form instead of on Form 1099-A. The IRS clearly explains that if my debt is canceled then the lender, which is yourself, MUST file a 1099-C. \n\nIf ( XXXX XXXX XXXX XXXX XXXX XXXX ) has filled out a XXXX form and is continuing any kind of collection activity as defined under XXXX XXXX Code XXXX ( XXXX ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. \n\nI am aware that a 1099-C must be mailed to consumers by January 31st the following calendar year in which the identifiable event occurs. I did not receive anything which is a violation. If your company has mailed me a 1099-C, please provide documentary evidence, such as a tracking number, that proves I in fact received and was aware of a 1099-C.\n\nReferring to the IRS Publication, Instructions for Forms 1099-A and 1099-C ( Rev. January 2022 ) Acquisition or Abandonment of Secured Property and Cancellation of Debt. \" Form 1099-C must be filed regardless of whether the debtor is required to report the debt as income. '' If the canceled debt was not more than {$600.00}, ( Company Name ) is still required to report the debt as income to the IRS. \n\nThe continued reporting of this inaccurate information is a clear violation of 15 U.S. Code 1681s-2 of your responsibilities as a furnisher of information & 15 U.S. Code 1681e ( b ).","date_sent_to_company":"2022-08-05T13:12:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30344","tags":null,"has_narrative":true,"complaint_id":"5849797","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-08-05T13:11:59.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX / TRANSUNION/XXXX  My name is XXXX XXXX, a federally <em>protected</em> consumer, and I am making this complaint <em>against</em> XXXX XXXX / XXXX XXXX XXXX XXXX for committing <em>identity</em> <em>theft</em>. I have never given XXXX XXXX / XXXX XXXX XXXX, any permission to use any of my identifying information to commit mail <em>fraud</em> by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal."]},"sort":[12.240068,"5849797"]},{"_index":"complaint-public-v1","_id":"3603698","_score":10.873818,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is a formal complaint against Equifax Information Services, LLC. SINCE I DO NOT RECEIVE ANY CORRECT RESPONSE TO THE DISPUTES I HAVE BEEN MAKING EQUIFAX SINCE I HAVE FOUND THAT I AM A VICTIM OF IDENTITY THEFT. I WANT TO XXXX  IN THIS COMPLAINT THAT I THANK THE AGENTS OF EQUIFAX INTERNAL DEPARTMENT, FOR HAVING A SO FRIENDLY, PROFESSIONAL AND PATIENT DEAL TO HEAR MY DISPUTES AND TRY TO HELP ME AND I UNDERSTAND THAT THIS IS NOT IN HIS HANDS, I KNOW THAT THEY HAVE DONE WHAT IS HUMANLY POSSIBLE TO HELP ME THE TIMES THAT I CALL BY TELEPHONE, THAT IS WHY I DECIDE TO MAKE THIS COMPLAINT, HERE THE PROBLEM AND THAT I DO NOT SEE IT END IS THAT THERE IS A DEFICIENCY IN THE TECHNOLOGICAL SYSTEM, A DISAPPOINTED COMMUNICATION WITH THE DEPARTMENT AND THE DEPARTMENT THAT RECEIVES IT AND UPLOADS IT FOR DISPUTE. MY THANKS TO THEM. STORY : THIS COMPLAINT THAT I AM MAKING IS TO REPORT TO THE CFPB AND THE FTC, ALL THE IRREGULARITIES AND INCORRECT INFORMATION THAT EQUIFAX IS REPORTING IN MY PERSONAL CREDIT WITH THEM, THIS SITUATION HAS BEEN HAPPENING SINCE XXXX, I HAVE BEEN VICTIM OF THEFT SUBMITTED SEVERAL POLICE REPORTS, FTC ID THEFT REPORTS AND EQUIFAX DOES NOT RESPOND TO MY DISPUTES AND DOES NOT BLOCK THE INCORRECT INFORMATION THAT IS REFLECTED IN MY CREDIT BY BREACHING ALL FEDERAL LAWS OF FAIR CREDIT SECTION 605B AND 6 ( A ) IF AN INFORMATION IS DISPUTED FOR MORE THAN 30 DAYS AND THE CREDIT IS NOT RESPONDING AND A DEBT CAN NOT BE VERIFIED AND IF THE AFFECTED ( Y0 ) IS A VICTIM OF IDENTITY THEFT THE CREDIT AGENCIES MUST PERMANENTLY BLOCK ALL THE INFORMATION THAT IS PRODUCED OF THIS, IN THE NEXT 5 DAYS ONCE THIS HAS BEEN REPORTED, AS WELL AS CREDITORS CAN NOT REPORT ANY MORE. BELOW I WILL LIST EACH OF THE IRREGULARITIES THAT EQUIFAX IS DOING IN MY CREDIT WITH THEM : 1. IN XX/XX/XXXX I SUBMITTED A POLICE REPORT, FTC AFIDAVIT, FTC REPORT AND EQUIFAX 'S RESPONSE WERE THEY WERE NOT ABLE TO DISPUTE THE INFORMATION BECAUSE I HAD NOT SENT A COPY OF THE SOCIAL SECURITY, WHEN NOT IT IS ALWAYS CERTAIN THAT I MAKE A DISPUTE I SEND ALL THE INFORMATION THAT THEY REQUEST, WHEN I CLAIM THAT, THEY ANSWER ME WITH ANOTHER EXCUSE THAT THEY NEEDED ANOTHER ADDITIONAL ID THAT THEY HAD SENT, I SEND A COPY AND EXIT THEM WITH ME THEY CAN NOT DISPUTE INFORMATION WITH THE POLICE REPORT THAT I SENT BECAUSE XXXX MONTHS HAD ALREADY PASSED AND THE POLICE REPORT WAS NOT ALL THE ACCOUNTS THAT WERE DISPUTING, EACH TIME A DIFFERENT EXCUSE. CONCLUSION : DO THE SAME IRREGULARITIES FOLLOW AND CAN NOT BE DISPUTED? RESULTS????? LOST TIME AND MONEY, MORE UNFORTUNATE FOR ME. \n2. WHEN I SEND ALL THE DOCUMENTS THAT THEY REQUEST TO SUPPORT THE DISPUTE FOR IDENTITY THEFT, THEY TELL ME THAT THE DOCUMENTS DO NOT COME TO THEM AND IF THEY COME, THEY COME TO THEM INCOMPLETE, MADE IMPOSSIBLE BECAUSE I SEND EVERYTHING IN THE SAME MAIL AND LOW MAIL THIS IS AN IRREGULARITY THAT MUST NOT HAPPEN. BECAUSE THE FEDERAL MAIL CAN NOT DECIDE AND CAN NOT VIOLATE THE CORRESPONDENCE OF OPENING THE ENVELOPE AND DECIDING WHICH DOCUMENTS ARE DELIVERED AND WHICH NOT? THIS IS ANOTHER VIOLATION FROM EQUIFAX AND WHO RECEIVES THE DOCUMENTS AND DOES NOT DO THE RIGHT THINGS. \n3. IRREGULARITY AND THE MOST IMPORTANT, HAVE ME BLOCKED VIA ONLINE, I CAN NOT MAKE ANY DISPUTES, FACT THAT AFFECTS ME TERRIBLY, BECAUSE? I EXPLAIN : I HAVE TO MAKE THE DISPUTES VIA POSTAL CORRESPONDENCE, BUT IT IS IMPOSSIBLE TO VERIFY IT WITH THEM, BECAUSE ALTHOUGH I SEND IT A CERTIFIED MAIL AND I RECEIVE THE SIGNED AND RECEIVED CARD, THEY SAY THAT THEY DON'T ARRIVE TO THEM, THEY SAY NO MAIL WORSE EVEN THAN IT DOESN'T COME FULL THEN HOW CAN I MAKE THE DISPUTE CORRESPONDING WITH WHAT I SEND THEM IF THEY ARE NOT MAKING THE DISPUTE TO ME THAT I REQUEST. MY QUESTION IS THIS??? THE LOCKING SYSTEM DOES WORK TO BLOCK ME SO I CAN NOT DISPUTE INFORMATION ON LINE, BUT THAT SAME SYSTEM DOES NOT WORK FOR YOU TO BLOCK ACCOUNTS THAT HAVE BEEN OPEN UNDER IDENTITY THEFT. THIS IS IRRATIONAL. \n4. IRREGULARITY AND THIS IF I HAVE EVEN MORE CONCERNED AND STRESSED ON THE EDGE OF MADNESS, EMOTIONAL WEAR IS NOT NORMAL. I WANT TO KNOW AND I REQUEST ANY DOCUMENT BECAUSE THE EQUIFAX REPORT DAILY AND CONSTANTLY CHANGES, EVERY DAY DOES IT HAVE A DIFFERENT INFORMATION TO THE ONE DISPUTED THE PREVIOUS DAY? AND WORSE IS AN ACCOUNT REMOVED AND THEN I CALL THE NEXT DAY AND THE SAME ACCOUNT IS REPORTED BUT IT CHANGES STATUS? WHAT'S HAPPENING WITH THIS? TO ME UNDERSTAND THE EQUIFAX SYSTEM IS VERY VULNERABLE TO ID THEFT AND THE WAY IT HANDLED IS EVEN MORE WRONG, BECAUSE THEY SAY THE ACCOUNTS ARE BLOCKED, BUT THE NEXT DAY IT SHOWS WHAT TO DO? I HAVE TO BE CONSTANTLY MAKING A COMPLAINT TO THE CFPB SO THAT I CAN VERIFY WHAT I DOTHE DISPUTE? THIS SHOULD NOT HAPPEN, IT IS SUPPOSED THAT THEY SHOULD DISPUTE WITH THE LETTERS AND REPORTS FROM THE POLICE AND THE FTC, WHICH I SEND VIA FEDERAL AND CERTIFIED CORRESPONDENCE. THIS FACT IS ABNORMAL, AND IRRATIONAL, IT HAS NO LOGIC. I DO NOT RECEIVE ANY GOOD NEWS FROM EQUIFAX. AM I TIRED OF BEING CALLING ON THE PHONE TO VERIFY IF MY CORRESPONDENCE IS REACHING YOU? AND MORE SAD EVEN YOUR IRRATIONAL RESPONSE MRS. XXXX THE CORRESPONDENCE DOES NOT COME AND THE ONE THAT ARRIVES IS INCOMPLETE. MUST DO IT AGAIN, REALLY I DON'T KNOW WHAT TO DO. \n5. THIS MAKES ME VERY WRONG, NERVOUS AND VERY STRESSED. I HAVE REALIZED THAT THE DISPUTE AND VERIFICATION SYSTEM DOESN'T WORK AS IT SHOULD BE, I GO BACK AND I REPEAT IS VULNERABLE FOR IDENTITY THEFT, BECAUSE IT DOESN'T WORK WELL? OR AT LEAST WITH ME NO, THIS IS VERY DELICATE AND DANGEROUS, WITH ALL THE ACCOUNTS I HAVE TO COMPLAIN WITH THE CFPB AND THE FTC AND ALL THE FEDERAL CONSUMER SUPPORT AGENCIES TO REPORT ALL THE ACCOUNTS THAT EQUIFAX SAYS IT BLOCKS AND NO IT IS TRUE? EQUIFAX IS SUPPOSED TO VERIFY THE INFORMATION AND SEE ALL THE DOCUMENTATION I HAVE SENT TO REPORT THE ID THEFT AND THE INFORMATION I REQUEST IS BLOCKED, BUT IT IS NOT MADE BY THEM. THIS IS TRUE AND I WANT TO PUBLISH IT BECAUSE THIS FACT IS INCONCEIVABLE AND INCREDIBLE??? THIS IS HAPPENING RIGHT NOW AND IT IS AFFECTING ME ECONOMICALLY AND THIS IS A MISTAKE THAT EQUIFAX DOES NOT WANT TO ACCEPT, AND THAT THEY ARE DOING AN XXXX, THEY ARE DOING ALL THE CONTRARY TO WHAT THE FEDERAL LAWS FEDERAL EVEN WORSE I AM A VICTIM OF ID THEFT AND THAT I AM SENDING ALL THE DOCUMENTATION TO SUPPORT MY DISPUTES. IN FACT ON XX/XX/XXXX, I MADE A COMPLAINT IN CFPB AGAINST XXXX XXXX, FOR AN ACCOUNT THAT EQUIFAX IS REPORTING, UPLOADED THE SAME INFORMATION THAT I SENT TO EQUIFAX TO DISPUTE THE ACCOUNTS THAT ARE NOT MINE. AND XXXX XXXX ANSWERED ME BACK ON XX/XX/XXXX, XXXX 10 DAYS LATER, TEXTUAL TO CFPB XXXX No : XXXX ref : XXXX WERE WRITING IN RESPONSE TO YOUR RECENT CORRESPONDENCE TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). WE HAVE REQUESTED TO HAVE YOUR CREDIT REPORT UPDATED. WE UNDERSTAND HOW ALARMING IT MAY HAVE BEEN TO SEE AN UNEXPECTED ACCOUNT ON YOUR CREDIT REPORT. USING THE INFORMATION PROVIDED WITH YOUR CORRESPONDENCE, WE CONFIRMED SOMEONE ELSES ACCOUNT WAS BEING INCORRECTLY REPORTED ON YOUR CREDIT REPORT. WE APOLOGIZE FRO THE CONFUSION AND HAVE SUBMITTED THE REQUEST TO HAVE THE ACCOUNT REMOVED. WE ASK THAT YOU ALLOW THREE TO FIVE DAYS FOR THE PROCESS TO BE COMPLETED. WE UNDERSTAND HOW UNSETTLING IT CAN BE TO BE A VICITM OF FRAUD. YOU CAN LEARN MORE ABOUT HOW TO PROTECT YOURSELF FROM IDENTITY THEFT AND WHAT TO DO IF YOU THINK YOU MIGHT BE A VICITM BY VISITING XXXX AND FOLLOWING THE SECURITY CENTER LINK AT THE BOTTOM OF THE PAGE. YOU MAY ALSO WISH TO VISIT WWW.IDENTITYTHEFT.GOV WHICH IS THE FEDERAL TRADE COMMISSIONS ONE-STOP RESOURCE FOR IDENTITY THEFT VICTIMS. THE SITE PROVIDES CHECKLISTS AND INFORMATION TO GUIDE THROUGH THE RECOVERY PROCESS. WE HOPE WEVE ADDRESSED YOUR CONCERN. NOW WELL UP TO HERE, I TOLD MYSELF THAT I AM RECEIVING THE RESPONSES FROM THE CREDITORS, THE UNUSUAL AND UNIMAGINABLE. THE NEXT DAY, XX/XX/XXXX, EQUIFAX REPORTS AGAIN IN MY CREDIT THE ACCOUNT XXXX XXXX THAT I DISPUTE WITH XXXX XXXX AND WITH A LETTER IN WRITING AND RECEIVED BY THE CFPB PORTAL WHERE XXXX XXXX VERIFIED THAT THAT ACCOUNT DOES NOT BELONG TO ME. MY QUESTION?  WHY DOES EQUIFAX KEEP REPORTING INCORRECT INFORMATION UNDER MY NAME? THIS LETTER WILL BE SENT THROUGH THIS WAY COUNT THIS COMPLAINT AS IT WAS REPORTING TO EACH ONE OF THE EERORS THAT DAILY THEY DO UNDER MY CREDIT.","date_sent_to_company":"2020-04-13T07:35:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33137","tags":null,"has_narrative":true,"complaint_id":"3603698","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-04-13T02:06:45.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["WE UNDERSTAND HOW UNSETTLING IT CAN BE TO BE A VICITM OF <em>FRAUD</em>. YOU CAN LEARN MORE ABOUT HOW TO <em>PROTECT</em> <em>YOURSELF</em> FROM <em>IDENTITY</em> <em>THEFT</em> AND WHAT TO DO IF YOU THINK YOU MIGHT BE A VICITM BY VISITING XXXX AND FOLLOWING THE SECURITY CENTER LINK AT THE BOTTOM OF THE PAGE. YOU MAY ALSO WISH TO VISIT WWW.IDENTITYTHEFT.GOV WHICH IS THE FEDERAL TRADE COMMISSIONS ONE-STOP RESOURCE FOR <em>IDENTITY</em> <em>THEFT</em> VICTIMS. THE SITE PROVIDES CHECKLISTS AND INFORMATION TO GUIDE THROUGH THE RECOVERY PROCESS."]},"sort":[10.873818,"3603698"]},{"_index":"complaint-public-v1","_id":"6477393","_score":8.602204,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX [ XXXX XXXX XXXX ]. \nXXXX XXXX XXXX XXXX c/o XXXX XXXX. \nPrivate Mailing Locaation # XXXX. \nXXXX XXXX XXXX. [ RR XXXX ] near XXXX. Pennsylvania. \nNon-domestic, Non-resident, Non-assumpsit. \nZip code exempt, without the United States. \n\n\nXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TransUnion 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 \nXXXX XXXX, XXXX  XXXX Re : XXXX XXXX XXXX XXXX Notice and Demand by Written Communication I am a law-abiding, federally protected consumer, as defined by the Fair Credit Reporting Act ( FCRA ), 15 USC 1681a ( c ). TransUnion, XXXX, and XXXX are each a consumer reporting agency, as defined by the FCRA, 15 USC 1681a ( f ), and therefore are all permitted to report fair and accurate information, with respect to my privacy as the consumer and in accordance with my written instructions. I have reviewed my credit report and noticed several items which cause me to believe that you and your co-workers may have committed several violations against me. Each violation has a statutory cost of up to {$1000.00} each, which does not include my personal cost of mental anguish, emotional distress, or fees which I determine for taking time to address these issues and material allegations. \nI accept that at all times, TransUnion, XXXX, and XXXX each act by and through its agents, servants, and/or employees who are acting within the course and scope of their agency or employment, and under the direct supervision and control of their respective employers for which the above-named XXXX XXXX XXXX are the ultimate authority, respectively, and are therefore the responsible party for all damages. \nAs the consumer, natural person, and owner of the authentication features ( per 18 USC 1028 ( d ) ( 1 ) ) used to identify my consumer report, these are my written instructions, pursuant to 15 USC 1681b ( 2 ) : 1. Personal Information The proper spelling of my name is XXXX XXXX XXXX, remove all other variations immediately as they are not accurate and in order to use my name in any form, for any purpose, you must provide me with proof that you have obtained my prior, express, written consent to do so. All rights XXXX re XXXX XXXX of XXXX XXXX XXXX XXXX, as well XXXX XXXX and all derivatives and variations in the spelling of said trade-name/trademark, not excluding XXXX XXXX XXXX Common Law Copyright XXXX by XXXX XXXX XXXX. Said trade-name/trademark, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nor used, nor reproduced, in whole, nor in part, nor in any manner whatsoever, without my prior, express, written consent and acknowledgment as signified by my signature in red ink. \nYou are only authorized to address me at my Private Mailing Location in the following format and in no other : [ XXXX XXXX XXXX ]. \nXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX \nPrivate Mailing Location # XXXX. \nXXXX XXXX XXXX. [ RR XXXX ] near XXXX. XXXX. \nNon-domestic, Non-resident, Non-assumpsit. \nZip code exempt, without the United States. \nAll other addresses are fraudulent, inaccurate and must be removed immediately! \nImmediately remove ALL employers from my credit report, for the protection of my privacy. \n2. Remove the following accounts and unauthorized inquires for inaccurate and unlawful reporting : XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX  XXXX XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXX XXXX  ( Account # XXXX ) XXXX XXXX  ( Account # XXXX ) *** PLEASE DELETE ALL UNAUTHROIZED INQUIRES *** I do not recognize any of the above-listed account numbers, and while many of the accounts appear to be the same or similar across all three bureaus, there is consistent misrepresentation of dates and there are inaccuracies in the data reported by each bureau for the accounts which appear to have the same account numbers and account-holders. This gives cause for the reasonable belief that my consumer report is fraudulently furnished with mis-merged or mixed files which is a violation of my rights and causes harm to me. \n\nBe advised that this is not a request for validation of debt, this is a Notice and Demand. You are noticed that I am a consumer, natural person, living spirit, and that I am not responsible for any of the above-listed accounts OR inquires nor am I a party to any contract that you or your agency may have with any of the above-listed account holders. Neither you nor any of the above-listed account OR inquires holders have, now or ever, received my express, written consent to use my private property, XXXX XXXX XXXX XXXX and any and all derivatives thereof, for any purpose whatsoever, making you severally and jointly liable for the theft and unlawful use of my identity as well as for every fraudulent action and transaction related to the identity theft, as defined at 15 USC 1681a ( q ) ( 3 ). \n\nIf you wish to resolve this matter, this will be your best opportunity to do so. The above-listed items must be deleted from my consumer report and credit file within 72 hours or by XX/XX/XXXX. You must forward to me a letter stating that these items have been removed and will not appear on my credit reports again, and I require that this letter contain the wet-ink signature of a natural person, otherwise, such letter will be evidence of willful and negligent violation of 15 USC 1681g ( a ) ( 3 ) ( A ) due to failure to clearly and accurately disclose the identification of each and every person that has procured my consumer report.\n\nOnce you have deleted this information, please mail me a complete and accurate copy of my consumer report AND a copy of my credit file, as prescribed by federal statute. You are only authorized to send me a report with all of the updates demanded herein this Notice, anything else will be considered willful and negligent violation of my rights, including but certainly not limited to : 15 USC 1681g ( a ) ( 1 ) by failure to clearly and accurately disclose all information in my file ; 15 USC 1681e ( b ) by failure to follow reasonable procedures to assure maximum possible accuracy of my credit reports ; 15 USC 1681 ( a ) ( 1 ) ( A ) by failure to conduct a reasonable investigation to determine whether the dispute information was inaccurate or incomplete ; 15 USC 1681b ( f ) ( 1 ) by obtaining my consumer report for a purpose other than as authorized ; 15 USC 1692e ( 2 ) ( A ) - False representation of the character, amount, or legal status of any debt 15 USC 6821 as you are a financial institution, as defined at 15 USC 6827 ( 4 ) ( B ), and you are in violation of my privacy ; 18 USC 1028- Fraud and related activity in connection with identification documents, authentication features, and information ; 18 USC 1028A- Aggravated identity theft ; 18 USC 241- Conspiracy against rights ; 18 USC 242- Deprivation of rights under color of law ; Furthermore, I do not wish to have my name, address, telephone number, credit file, or other information sold or traded with any marketers. In addition, do not allow any credit issuers to prescreen my credit file for credit offers. I am demanding that all information that relates to or identifies me and my accounts remain private. Please remove my name, address, and credit profile from your marketing lists to ensure the protection of my privacy rights and to prevent them from continuous violation. I have endured more than enough suffering due to inaccurate and fraudulent consumer reporting, including mental distress, emotional distress, financial hardships, and loss of opportunities. \n\nI require that all mail correspondence be addressed to my Private Mailing Location in the exact format contained within this Notice as any other format would be unlawful use of my property and fraudulent change of address for which you agree to accept full liability as you expose yourself as the one responsible for the fraudulent activities that have caused harm to me and have been adverse to my interests as a consumer. Take Notice that I will not hesitate to file a formal complaint with the Federal Trade Commission, State Attorney General, and the Better Business Bureau, and that I fully reserve my right to do so. I am most grateful for your cooperation and look forward to resolving this matter expeditiously. \n\nAll Rights Reserved, Without Recourse __________________________________ Enclosed : Copy of my PASSPORT PHOTO ( FOR IDENTIFICATION PURPOSES ONLY..! ) Copyright Notice Copy of my state ID ( FOR IDENTIFICATION PURPOSES ONLY )","date_sent_to_company":"2023-01-23T16:07:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"191XX","tags":null,"has_narrative":true,"complaint_id":"6477393","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-01-23T16:07:18.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["institution, as defined at 15 USC 6827 ( 4 ) ( B ), and you are in violation of my privacy ; 18 USC 1028- <em>Fraud</em> and related activity in connection with identification documents, authentication features, and information ; 18 USC 1028A- Aggravated <em>identity</em> <em>theft</em> ; 18 USC 241- Conspiracy <em>against</em> rights ; 18 USC 242- Deprivation of rights under color of law ; Furthermore, I do not wish to have my name, address, telephone number, credit file, or other information sold or traded with any marketers."]},"sort":[8.602204,"6477393"]},{"_index":"complaint-public-v1","_id":"6472613","_score":8.602204,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Notice and Demand by Written Communication I am a law-abiding, federally protected consumer, as defined by the Fair Credit Reporting Act ( FCRA ), 15 USC 1681a ( c ). XXXX, Equifax, and XXXX are each a consumer reporting agency, as defined by the FCRA, 15 USC 1681a ( f ), and therefore are all permitted to report fair and accurate information, with respect to my privacy as the consumer and in accordance with my written instructions. I have reviewed my credit report and noticed several items which cause me to believe that you and your co-workers may have committed several violations against me. Each violation has a statutory cost of up to {$1000.00} each, which does not include my personal cost of mental anguish, emotional distress, or fees which I determine for taking time to address these issues and material allegations. \nI accept that at all times, XXXX, Equifax, and XXXX each act by and through its agents, servants, and/or employees who are acting within the course and scope of their agency or employment, and under the direct supervision and control of their respective employers for which the above-named Chief Executive Officers are the ultimate authority, respectively, and are therefore the responsible party for all damages.\n\nAs the consumer, natural person, and owner of the authentication features ( per 18 USC 1028 ( d ) ( 1 ) ) used to identify my consumer report, these are my written instructions, pursuant to 15 USC 1681b ( 2 ) : 1. Personal Information The proper spelling of my name is XXXX XXXX XXXX, remove all other variations immediately as they are not accurate and in order to use my name in any form, for any purpose, you must provide me with proof that you have obtained my prior, express, written consent to do so. All rights reserved re common-law copyright of trade-name/trademark XXXX XXXX XXXX, as well as any and all derivatives and variations in the spelling of said trade-name/trademark, not excluding XXXX XXXX XXXX Common Law Copyright 2007 by XXXX XXXX XXXX. Said trade-name/trademark, XXXX XXXX XXXX may neither be displayed, nor used, nor reproduced, in whole, nor in part, nor in any manner whatsoever, without my prior, express, written consent and acknowledgment as signified by my signature in red ink. \nYou are only authorized to address me at my Private Mailing Location in the following format and in no other : [ XXXX XXXX XXXX ]. \nXXXX XXXX XXXX XXXX XXXX XXXX Post-office XXXX \nPrivate Mailing Location # XXXX. \nXXXX XXXX XXXX. [ RR XXXX ] near XXXX. Pennsylvania. \nNon-domestic, Non-resident, Non-assumpsit. \nZip code exempt, without the United States. \nAll other addresses are fraudulent, inaccurate and must be removed immediately! \nImmediately remove ALL employers from my credit report, for the protection of my privacy. \nXXXX. Remove the following accounts and unauthorized inquires for inaccurate and unlawful reporting : XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) *** PLEASE DELETE ALL UNAUTHROIZED INQUIRES *** I do not recognize any of the above-listed account numbers, and while many of the accounts appear to be the same or similar across all three bureaus, there is consistent misrepresentation of dates and there are inaccuracies in the data reported by each bureau for the accounts which appear to have the same account numbers and account-holders. This gives cause for the reasonable belief that my consumer report is fraudulently furnished with mis-merged or mixed files which is a violation of my rights and causes harm to me. \n\nBe advised that this is not a request for validation of debt, this is a Notice and Demand. You are noticed that I am a consumer, natural person, living spirit, and that I am not responsible for any of the above-listed accounts OR inquires nor am I a party to any contract that you or your agency may have with any of the above-listed account holders. Neither you nor any of the above-listed account OR inquires holders have, now or ever, received my express, written consent to use my private property, XXXX XXXX XXXX XXXX and any and all derivatives thereof, for any purpose whatsoever, making you severally and jointly liable for the theft and unlawful use of my identity as well as for every fraudulent action and transaction related to the identity theft, as defined at 15 USC 1681a ( q ) ( 3 ).\n\nIf you wish to resolve this matter, this will be your best opportunity to do so. The above-listed items must be deleted from my consumer report and credit file within 72 hours or by XX/XX/XXXX. You must forward to me a letter stating that these items have been removed and will not appear on my credit reports again, and I require that this letter contain the wet-ink signature of a natural person, otherwise, such letter will be evidence of willful and negligent violation of 15 USC 1681g ( a ) ( 3 ) ( A ) due to failure to clearly and accurately disclose the identification of each and every person that has procured my consumer report.\n\nOnce you have deleted this information, please mail me a complete and accurate copy of my consumer report AND a copy of my credit file, as prescribed by federal statute. You are only authorized to send me a report with all of the updates demanded herein this Notice, anything else will be considered willful and negligent violation of my rights, including but certainly not limited to : 15 USC 1681g ( a ) ( 1 ) by failure to clearly and accurately disclose all information in my file ; 15 USC 1681e ( b ) by failure to follow reasonable procedures to assure maximum possible accuracy of my credit reports ; 15 USC 1681 ( a ) ( 1 ) ( A ) by failure to conduct a reasonable investigation to determine whether the dispute information was inaccurate or incomplete ; 15 USC 1681b ( f ) ( 1 ) by obtaining my consumer report for a purpose other than as authorized ; 15 USC 1692e ( 2 ) ( A ) - False representation of the character, amount, or legal status of any debt 15 USC 6821 as you are a financial institution, as defined at 15 USC 6827 ( 4 ) ( B ), and you are in violation of my privacy ; 18 USC 1028- Fraud and related activity in connection with identification documents, authentication features, and information ; 18 USC 1028A- Aggravated identity theft ; 18 USC 241- Conspiracy against rights ; 18 USC 242- Deprivation of rights under color of law ; Furthermore, I do not wish to have my name, address, telephone number, credit file, or other information sold or traded with any marketers. In addition, do not allow any credit issuers to prescreen my credit file for credit offers. I am demanding that all information that relates to or identifies me and my accounts remain private. Please remove my name, address, and credit profile from your marketing lists to ensure the protection of my privacy rights and to prevent them from continuous violation. I have endured more than enough suffering due to inaccurate and fraudulent consumer reporting, including mental distress, emotional distress, financial hardships, and loss of opportunities. \n\nI require that all mail correspondence be addressed to my Private Mailing Location in the exact format contained within this Notice as any other format would be unlawful use of my property and fraudulent change of address for which you agree to accept full liability as you expose yourself as the one responsible for the fraudulent activities that have caused harm to me and have been adverse to my interests as a consumer. Take Notice that I will not hesitate to file a formal complaint with the Federal Trade Commission, State Attorney General, and the XXXX XXXX XXXX, and that I fully reserve my right to do so. I am most grateful for your cooperation and look forward to resolving this matter expeditiously.\n\nAll Rights Reserved, Without Recourse __________________________________ Enclosed : Copy of my PASSPORT PHOTO ( FOR IDENTIFICATION PURPOSES ONLY..! ) Copyright Notice Copy of my state ID ( FOR IDENTIFICATION PURPOSES ONLY )","date_sent_to_company":"2023-01-23T16:07:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"191XX","tags":null,"has_narrative":true,"complaint_id":"6472613","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-01-23T15:46:42.000Z","state":"PA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["institution, as defined at 15 USC 6827 ( 4 ) ( B ), and you are in violation of my privacy ; 18 USC 1028- <em>Fraud</em> and related activity in connection with identification documents, authentication features, and information ; 18 USC 1028A- Aggravated <em>identity</em> <em>theft</em> ; 18 USC 241- Conspiracy <em>against</em> rights ; 18 USC 242- Deprivation of rights under color of law ; Furthermore, I do not wish to have my name, address, telephone number, credit file, or other information sold or traded with any marketers."]},"sort":[8.602204,"6472613"]},{"_index":"complaint-public-v1","_id":"6477392","_score":8.5871105,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX [ XXXX XXXX XXXX ]. \nXXXX XXXX XXXX XXXX c/o XXXX XXXX. \nPrivate Mailing Locaation # XXXX. \nXXXX XXXX XXXX. [ RR XXXX ] near XXXX. Pennsylvania. \nNon-domestic, Non-resident, Non-assumpsit. \nZip code exempt, without the United States. \n\n\nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Experian XXXX XXXX XXXX. \nXXXX XXXXXXXX XXXX XXXXXXXX Re : XXXX XXXX XXXX XXXX Notice and Demand by Written Communication I am a law-abiding, federally protected consumer, as defined by the Fair Credit Reporting Act ( FCRA ), 15 USC 1681a ( c ). XXXX, XXXX, and Experian are each a consumer reporting agency, as defined by the FCRA, 15 USC 1681a ( f ), and therefore are all permitted to report fair and accurate information, with respect to my privacy as the consumer and in accordance with my written instructions. I have reviewed my credit report and noticed several items which cause me to believe that you and your co-workers may have committed several violations against me. Each violation has a statutory cost of up to {$1000.00} each, which does not include my personal cost of mental anguish, emotional distress, or fees which I determine for taking time to address these issues and material allegations. \nI accept that at all times, XXXX, XXXX, and Experian each act by and through its agents, servants, and/or employees who are acting within the course and scope of their agency or employment, and under the direct supervision and control of their respective employers for which the above-named XXXX XXXX XXXX are the ultimate authority, respectively, and are therefore the responsible party for all damages. \nAs the consumer, natural person, and owner of the authentication features ( per 18 USC 1028 ( d ) ( 1 ) ) used to identify my consumer report, these are my written instructions, pursuant to 15 USC 1681b ( 2 ) : 1. Personal Information The proper spelling of my name is XXXX XXXX XXXX, remove all other variations immediately as they are not accurate and in order to use my name in any form, for any purpose, you must provide me with proof that you have obtained my prior, express, written consent to do so. All rights reserved re common-law copyright of trade-name/trademark XXXX XXXX XXXX, as well as any and all derivatives and variations in the spelling of said trade-name/trademark, not excluding XXXX XXXX XXXX Common Law Copyright 2007 by XXXX XXXX XXXX. Said trade-name/trademark, XXXX XXXX XXXX may neither be displayed, nor used, nor reproduced, in whole, nor in part, nor in any manner whatsoever, without my prior, express, written consent and acknowledgment as signified by my signature in red ink. \nYou are only authorized to address me at my Private Mailing Location in the following format and in no other : [ XXXX XXXX XXXX ]. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nPrivate Mailing Location # XXXX. \nXXXX XXXX XXXX. [ RR XXXX ] near XXXX. XXXX. \nNon-domestic, Non-resident, Non-assumpsit. \nZip code exempt, without the United States. \nAll other addresses are fraudulent, inaccurate and must be removed immediately! \nImmediately remove ALL employers from my credit report, for the protection of my privacy.\n\n2. Remove the following accounts and unauthorized inquires for inaccurate and unlawful reporting : XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX  XXXX XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXX XXXX  ( Account # XXXX ) XXXX XXXX  ( Account # XXXX ) *** PLEASE DELETE ALL UNAUTHROIZED INQUIRES *** I do not recognize any of the above-listed account numbers, and while many of the accounts appear to be the same or similar across all three bureaus, there is consistent misrepresentation of dates and there are inaccuracies in the data reported by each bureau for the accounts which appear to have the same account numbers and account-holders. This gives cause for the reasonable belief that my consumer report is fraudulently furnished with mis-merged or mixed files which is a violation of my rights and causes harm to me. \n\nBe advised that this is not a request for validation of debt, this is a Notice and Demand. You are noticed that I am a consumer, natural person, living spirit, and that I am not responsible for any of the above-listed accounts OR inquires nor am I a party to any contract that you or your agency may have with any of the above-listed account holders. Neither you nor any of the above-listed account OR inquires holders have, now or ever, received my express, written consent to use my private property, XXXX XXXX XXXX XXXX and any and all derivatives thereof, for any purpose whatsoever, making you severally and jointly liable for the theft and unlawful use of my identity as well as for every fraudulent action and transaction related to the identity theft, as defined at 15 USC 1681a ( q ) ( 3 ).\n\nIf you wish to resolve this matter, this will be your best opportunity to do so. The above-listed items must be deleted from my consumer report and credit file within 72 hours or by XX/XX/XXXX. You must forward to me a letter stating that these items have been removed and will not appear on my credit reports again, and I require that this letter contain the wet-ink signature of a natural person, otherwise, such letter will be evidence of willful and negligent violation of 15 USC 1681g ( a ) ( 3 ) ( A ) due to failure to clearly and accurately disclose the identification of each and every person that has procured my consumer report.\n\nOnce you have deleted this information, please mail me a complete and accurate copy of my consumer report AND a copy of my credit file, as prescribed by federal statute. You are only authorized to send me a report with all of the updates demanded herein this Notice, anything else will be considered willful and negligent violation of my rights, including but certainly not limited to : 15 USC 1681g ( a ) ( 1 ) by failure to clearly and accurately disclose all information in my file ; 15 USC 1681e ( b ) by failure to follow reasonable procedures to assure maximum possible accuracy of my credit reports ; 15 USC 1681 ( a ) ( 1 ) ( A ) by failure to conduct a reasonable investigation to determine whether the dispute information was inaccurate or incomplete ; 15 USC 1681b ( f ) ( 1 ) by obtaining my consumer report for a purpose other than as authorized ; 15 USC 1692e ( 2 ) ( A ) - False representation of the character, amount, or legal status of any debt 15 USC 6821 as you are a financial institution, as defined at 15 USC 6827 ( 4 ) ( B ), and you are in violation of my privacy ; 18 USC 1028- Fraud and related activity in connection with identification documents, authentication features, and information ; 18 USC 1028A- Aggravated identity theft ; 18 USC 241- Conspiracy against rights ; 18 USC 242- Deprivation of rights under color of law ; Furthermore, I do not wish to have my name, address, telephone number, credit file, or other information sold or traded with any marketers. In addition, do not allow any credit issuers to prescreen my credit file for credit offers. I am demanding that all information that relates to or identifies me and my accounts remain private. Please remove my name, address, and credit profile from your marketing lists to ensure the protection of my privacy rights and to prevent them from continuous violation. I have endured more than enough suffering due to inaccurate and fraudulent consumer reporting, including mental distress, emotional distress, financial hardships, and loss of opportunities.\n\nI require that all mail correspondence be addressed to my Private Mailing Location in the exact format contained within this Notice as any other format would be unlawful use of my property and fraudulent change of address for which you agree to accept full liability as you expose yourself as the one responsible for the fraudulent activities that have caused harm to me and have been adverse to my interests as a consumer. Take Notice that I will not hesitate to file a formal complaint with the Federal Trade Commission, State Attorney General, and the Better Business Bureau, and that I fully reserve my right to do so. I am most grateful for your cooperation and look forward to resolving this matter expeditiously.\n\nAll Rights Reserved, Without Recourse __________________________________ Enclosed : Copy of my PASSPORT PHOTO ( FOR IDENTIFICATION PURPOSES ONLY..! ) Copyright Notice Copy of my state ID ( FOR IDENTIFICATION PURPOSES ONLY )","date_sent_to_company":"2023-01-23T16:07:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"191XX","tags":null,"has_narrative":true,"complaint_id":"6477392","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-01-23T16:07:18.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["institution, as defined at 15 USC 6827 ( 4 ) ( B ), and you are in violation of my privacy ; 18 USC 1028- <em>Fraud</em> and related activity in connection with identification documents, authentication features, and information ; 18 USC 1028A- Aggravated <em>identity</em> <em>theft</em> ; 18 USC 241- Conspiracy <em>against</em> rights ; 18 USC 242- Deprivation of rights under color of law ; Furthermore, I do not wish to have my name, address, telephone number, credit file, or other information sold or traded with any marketers."]},"sort":[8.5871105,"6477392"]},{"_index":"complaint-public-v1","_id":"7042929","_score":8.178862,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"*** 12 CFR 1016.7 states that \" A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. \n*** Any and all consent to XXXX XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. No one ever notified me that i could opt out from them, 15 USC 6802 ( b ) ( c ) states that \" A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Furnisher of information to credit agencies, Never informed me of my right to exercise my nondisclosure option, Over the years i have contacted all credit reporting agencies over and over and they have continued to willfully violate my rights, the laws, my request to suppress and remove incorrect information, updates i request, inaccurate information, i am not a criminal and do not have a criminal record so i have contacted them since the pandemic of 2020 to only report a mailing address and a permanent mailing address : XXXX XXXX XXXX  [ XXXX ], Maryland XXXX, [ XXXX ] also only 1 name of which it is multiple names and accounts i am not familiar with, not only that i have disputed wrong incorrect information on there sites and they somehow verify information i am telling them is inaccurate and fraudulent. All of this has been illegal reporting of PRIVATE information that i have constantly requested them to stop and to remove. I have NOT ever consented or given anyone/ corporation any permission verbally or written to share or sell any of my PUBLIC or PRIVATE information. I am Not a XXXX and I am now once again telling all agencies to cease and desist collecting, sharing, reporting, and or selling information relating to me or my accounts of which is under my authority and control. If anything its been about 20 years of me telling them i only use 1 address for mailing purposes and to only use that one in connection to any accounts relating to my information, period. I am listing the laws they have broken continuously and willing since my 18th day of arrival til today about 24 years of me fighting to correct information being illegally shared and sold of which is allowing identity theft and fraud to continue to affect me personally because they share sensitive information and sell alledged debt to anyone willing to buy it resulting in me being denied credit constantly over the years for derogatory reports by these credit agencies that are for profit. So see attached credit reports and OPT OUT request for all agencies i could find links to. \nXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX only has a letter i have to send to them to OPT OUT which is illegal also, i only could implement a security freeze so far online. For my time, energy, and damages i am requesting {$1000.00}, XXXX XXXX Dollars per violation of the following laws listed in this complaint from all crediting reporting agencies, ALL violating the following and not limited to : ( 12 CFR 1016.7, 15 USC 6802 ( b ) ( c ), 15 USC 1681 section 602, 15 USC 6801, 5 USC 1681 sec 604 ( a ) 2 ( c ), 15 USC 6802 ( b ) ( c ), 15 USC 1681C ( a ) ( 5 ), 15 U.S. Code 1681e, 15 U.S. Code 1681s2 ( A ) ( 1 ), 15 U.S. Code 1681 b, c, e. ) also, *Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, All have negatively affected my life and my ability to live a fulfilling beneficial joyous life. \nAccording to the Fair Credit Reporting Act 15 USC 1681 section 602 a states \" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states \" It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 sec 604 ( a ) 2 ( c ) \" In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, Experian do not have my consent to furnish this information and they surely do not have my written consent. \nAny and all consent to XXXX XXXX, Experian, Furnisher of information to credit agencies, whether it be verbal, non-verbal, written, implied or otherwise is revoked.\n\n*15 USC 6802 ( b ) ( c ) states that \" A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' NONE of them informed me om my right to nondisclosure, these Furnisher of information to credit agencies, Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. I AM NOT A CRIMINAL!\n\n15 U.S. Code 1681s2 ( A ) ( 1 ) A states \" A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. And i have contacted them over and over about reporting incorrect addresses, names, accounts, transactions, identity, personal private information, illegal accounts, misrepresentation, privacy violations, etc. This is frustrating and damaging to me personally see attached reports for yourself.\n\n15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, Experian are not maintaining reasonable procedures when it involves me like im not important or affected by there actions all my life. So may people and companies have access to all my personal private information of which i have not ever agreed for them to have on there databases and i want it all removed or destroyed. Whats private is mine private property, period. Since the age of 16 it has been a battle for my credit worthiness, how are we starting off in this hypothecated system with what is considered to be bad credit? Someone please explain this too me, especially when my life is backing the so called debt and my signature on any document gives life to which is being resigned and sold without my knowledge or consent thru adhesion contracts constructed by these legal departments, of which what is legal is not lawful and what is legal is most times unconstitutional but of course they are using contracts and commerce to violate everyone.","date_sent_to_company":"2023-05-29T20:55:16.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"21202","tags":null,"has_narrative":true,"complaint_id":"7042929","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-05-29T19:16:23.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am listing the laws they have broken continuously and willing since my 18th day of arrival til today about 24 years of me fighting to correct information being illegally shared and sold of which is allowing <em>identity</em> <em>theft</em> and <em>fraud</em> to continue to affect me personally because they share sensitive information and sell alledged debt to anyone willing to buy it resulting in me being denied credit constantly over the years for derogatory reports by these credit agencies that are for profit."]},"sort":[8.178862,"7042929"]},{"_index":"complaint-public-v1","_id":"7042856","_score":8.163324,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"*** 12 CFR 1016.7 states that \" A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. \n*** Any and all consent to XXXX Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. No one ever notified me that i could opt out from them, 15 USC 6802 ( b ) ( c ) states that \" A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Furnisher of information to credit agencies, Never informed me of my right to exercise my nondisclosure option, Over the years i have contacted all credit reporting agencies over and over and they have continued to willfully violate my rights, the laws, my request to suppress and remove incorrect information, updates i request, inaccurate information, i am not a criminal and do not have a criminal record so i have contacted them since the pandemic of 2020 to only report a mailing address and a permanent mailing address : Rural Free Delivery, [ BALTIMORE ], XXXX XXXX, [ XXXX ] also only 1 name of which it is multiple names and accounts i am not familiar with, not only that i have disputed wrong incorrect information on there sites and they somehow verify information i am telling them is inaccurate and fraudulent. All of this has been illegal reporting of PRIVATE information that i have constantly requested them to stop and to remove. I have NOT ever consented or given anyone/ corporation any permission verbally or written to share or sell any of my PUBLIC or PRIVATE information. I am Not a Minor and I am now once again telling all agencies to cease and desist collecting, sharing, reporting, and or selling information relating to me or my accounts of which is under my authority and control. If anything its been about 20 years of me telling them i only use 1 address for mailing purposes and to only use that one in connection to any accounts relating to my information, period. I am listing the laws they have broken continuously and willing since my 18th day of arrival til today about 24 years of me fighting to correct information being illegally shared and sold of which is allowing identity theft and fraud to continue to affect me personally because they share sensitive information and sell alledged debt to anyone willing to buy it resulting in me being denied credit constantly over the years for derogatory reports by these credit agencies that are for profit. So see attached credit reports and OPT OUT request for all agencies i could find links to. \nXXXX ( XXXX XXXX XXXXXXXX XXXX XXXX  only has a letter i have to send to them to OPT OUT which is illegal also, i only could implement a security freeze so far online. For my time, energy, and damages i am requesting {$1000.00}, One Thousand Dollars per violation of the following laws listed in this complaint from all crediting reporting agencies, ALL violating the following and not limited to : ( 12 CFR 1016.7, 15 USC 6802 ( b ) ( c ), 15 USC 1681 section 602, 15 USC 6801, 5 USC 1681 sec 604 ( a ) 2 ( c ), 15 USC 6802 ( b ) ( c ), 15 USC 1681C ( a ) ( 5 ), 15 U.S. Code 1681e, 15 U.S. Code 1681s2 ( A ) ( 1 ), 15 U.S. Code 1681 b, c, eXXXX ) also, XXXX, Equifax XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX, All have negatively affected my life and my ability to live a fulfilling beneficial joyous life. \nAccording to the Fair Credit Reporting Act 15 USC 1681 section 602 a states \" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX, XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states \" It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 sec 604 ( a ) 2 ( c ) \" In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax, XXXX, XXXX do not have my consent to furnish this information and they surely do not have my written consent. \nAny and all consent to XXXX Equifax, XXXX, Furnisher of information to credit agencies, whether it be verbal, non-verbal, written, implied or otherwise is revoked. \n*15 USC 6802 ( b ) ( c ) states that \" A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' NONE of them informed me om my right to nondisclosure, these Furnisher of information to credit agencies, Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. I AM NOT A CRIMINAL! \n15 U.S. Code 1681s2 ( A ) ( 1 ) A states \" A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. And i have contacted them over and over about reporting incorrect addresses, names, accounts, transactions, identity, personal private information, illegal accounts, misrepresentation, privacy violations, etc. This is frustrating and damaging to me personally see attached reports for yourself. \n15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX, XXXX are not maintaining reasonable procedures when it involves me like im not important or affected by there actions all my life. So may people and companies have access to all my personal private information of which i have not ever agreed for them to have on there databases and i want it all removed or destroyed. Whats private is mine private property, period. Since the age of XXXX it has been a battle for my credit worthiness, how are we starting off in this hypothecated system with what is considered to be bad credit? Someone please explain this too me, especially when my life is backing the so called debt and my signature on any document gives life to which is being resigned and sold without my knowledge or consent thru adhesion contracts constructed by these legal departments, of which what is legal is not lawful and what is legal is most times unconstitutional but of course they are using contracts and commerce to violate everyone.","date_sent_to_company":"2023-05-29T20:55:25.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"21202","tags":null,"has_narrative":true,"complaint_id":"7042856","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-05-29T20:55:20.000Z","state":"MD","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am listing the laws they have broken continuously and willing since my 18th day of arrival til today about 24 years of me fighting to correct information being illegally shared and sold of which is allowing <em>identity</em> <em>theft</em> and <em>fraud</em> to continue to affect me personally because they share sensitive information and sell alledged debt to anyone willing to buy it resulting in me being denied credit constantly over the years for derogatory reports by these credit agencies that are for profit."]},"sort":[8.163324,"7042856"]},{"_index":"complaint-public-v1","_id":"6924689","_score":8.117138,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"They are reporting negative or late payments. All 3 credit bureaus including XXXX XXXX showing my credit line amounts. Skip to content XXXX XXXX XXXX XXXX XXXX Login In Search XXXX Call Today : ( XXXX ) XXXX Fair Credit Reporting Act : Common Violations and Your Rights Updated : XX/XX/XXXX | XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX How to Increase Credit Score Fair Credit Reporting Act : Common Violations and Your Rights A consumers financial future can rise and fall on whats in their credit report so keeping a close eye on the contents should be important to everyone. Credit reports are used to decide who gets a loan, a credit card, a job, or even an apartment to rent, so few things are more crucial than having a credit report free of errors. \n\nStill, credit report errors are made, and the consequences can be devastating. Thats why its vital to look at your credit report at least once a year and make sure all the information in it, is accurate. Federal law allows you to get a free credit report from each of the three major reporting bureaus by signing up at XXXX. \n\nThe Fair Credit Reporting Act of 1970 Recognizing the life-altering power of credit information, Congress adopted the Fair Credit Reporting Act ( FCRA ) in 1970 to protect consumers and regulate how credit information is used and disseminated. The law gives consumers the right to know whats in their credit reports and free access to the information credit rating agencies use to assign credit scores. \n\nThe FCRA also requires that anyone who denies a person credit, insurance or employment because of what is in their credit report, tell you where they got the information and how to contact the issuer. \n\nThe Federal Trade Commission enforces the FCRA. The Dodd-Frank Act transferred most of the rulemaking responsibilities to the Consumer Financial Protection Bureau , but the FTC still retains enforcement authority.\n\nThe nations three largest credit reporting agencies Equifax, XXXX and XXXX are required by law to do everything in their power to accurately gather and report consumer information. Together, they keep files on more than 200 million Americans and issue more than three billion reports a year.\n\nGiven the volume of information, its inevitable that errors occur. The FCRA gives consumers the means to detect inaccuracies in their reports and file complaints. It also requires reporting agencies to investigate and correct bogus information. \n\nMistakes are often clerical, but sometimes theyre the result of old information reported as current. XXXX XXXX XXXX XXXXXXXX reported the troubles of a Mississippi woman whose {$40000.00} second-mortgage debt was discharged through a bankruptcy filing in XXXX. But four years later, the debt appeared on her report as unpaid. She tried repeatedly to get the error removed, but it took intervention from Mississippis attorney general to have her report corrected. \n\nCases like that are common. State attorneys investigate FCRA complaints and many have consumer information on their web pages to let people know what their rights are and the steps to take if they uncover erroneous information. \n\nCommon violations of the FCRA include : Failure to update reports after completion of bankruptcy is just one example. Agencies might also report old debts as new and report a financial account as active when it was closed by the consumer. \nCreditors give reporting agencies inaccurate financial information about you. \nReporting agencies mixing up one persons information with anothers because of similar ( or same ) name or social security number. \nAgencies fail to follow guidelines for handling disputes. \nPulling your report for an impermissible purpose. For instance, viewing a credit report to determine if you have assets before filing certain kinds of lawsuits. \nFailing to send you notifications about your credit report or score in violation of the FCRA. \nReporting agencies providing information to unauthorized persons or businesses. \nNot all FCRA actions are the result of errors or poorly maintained files. For example, the XXXX XXXX XXXX reported about a data broker that agreed to pay {$800000.00} in a settlement with the Federal Trade Commission for allegations he illegally sold personal information to human resources, background screening and recruiting companies. \n\nYour Rights Under the Fair Credit Reporting Act If youre turned down for credit or have some other reason to suspect that a credit report might have erroneously damaged you, get the name of the national credit agency that provided the report. A landlord who turned you down for bad credit or a bank that denied you a credit card will tell you which agency issued the report. \n\nNext, contact the agency and request a copy of the report. Keep in mind that if the report contains incorrect information, other agencies could be using the same information in their reports. The agency that provided the information must supply you with its report within 30 days of the denial for free. Otherwise, it can charge a fee to see a report. \n\nIf you find inaccurate or outdated information, notify the credit reporting agency in writing, explaining the error and demanding that it be immediately corrected. If the agency investigates and does nothing, and if you are still sure the report contains errors, contact the Federal Trade Commission or the state attorney generals office nearest you. \n\nIts important to know your rights under the Fair Credit Reporting Act : You have a right to know whats in your file. Contact the credit-rating agency that issued a report that was used to deny you credit, housing or employment. Youre entitled to a free report for any of these reasons : Information was used against you ; you are a victim of identity theft and place a fraud alert on your file ; your file contains inaccurate information that resulted from fraud ; youre on public assistance or you have been unemployed but expect to apply for work within 60 days. \nIf you have been the victim of identity theft, you are entitled to ask businesses for a copy of transaction records relating to the theft of your identity. For example, loan or credit card applications. You also may authorize law enforcement agencies to request the information. Businesses must provide it within 30 days of receiving the request. Some companies are reluctant to release this information claiming it is proprietary information or that they are protecting the consumer. However, the FCRA states that businesses are required to provide applications and business transaction records to help victims document fraudulent charges. The FTC outlines the obligations for businesses here. \nYou have a right to ask for your credit score. Credit reporting agencies provide these. In some instances, mortgage lenders will tell you your score when you apply for a loan. Also, some credit card issuers now include up-to-date scores in their monthly statements. \nYou have a right to dispute incomplete or inaccurate information in your report. \nCredit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. \nReporting agencies must not disseminate outdated negative information. \nInformation in your file is limited to those with a valid need for it. \nYou must give written consent for credit agencies to send your credit report to employers. \nIf your rights have been violated under the FCRA, you are entitled to seek actual or statutory damages, recover attorneys fees and court costs and request punitive damages. \n\nFair Credit Reporting Act Violations There are several common violations of the Fair Credit Reporting Act, involving both the thousands of companies reporting information and the three major bureaus taking the information and assigning it to your credit report. \n\nSome of the common violations include : Furnishing and Reporting Old Information When your credit circumstances change, your credit report must be updated. If its not, thats a violation. How could some violations occur? \n\nReporting a debt as charged off, when it was settled or paid off. \nReporting late payments when your payments were timely. \nReporting old debts as new ones. \nReporting that an account was active after it was voluntarily closed by a consumer. \nFailure to report that a debt was discharged in bankruptcy. \nReporting information that is more than XXXX years old ( when XXXX XXXX bankruptcy notices should lapse ) or XXXX years old ( XXXX  XXXX bankruptcy ). \nInaccurate statement of balance due. \nFailing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ). \nMixing Files Mixing files with someone else who has similar background information ( sometimes as careless as failing to distinguish the Jr. and Sr. in similar surnames ). \n\nDebt Dispute Procedures for Credit Bureaus When submitting a written dispute about the accuracy of your credit report, the credit bureaus must follow proper procedures, such as conducting an investigation, correcting inaccuracies or removing a disputed debt. Sometimes, agencies fall short in these areas. \n\nDebt Dispute Violations for Creditors Creditors are obligated to note every disputed debt and submit corrected information, stop submitting incorrect information when it has been reported, conduct an internal investigation of disputes within 30 days and provide a reasonable procedure to submit a written dispute or report of identity theft. \n\nPrivacy Violations Your credit report can be disclosed only to entities with a valid need, such as creditors, landlords, insurance providers, utility companies and employers ( with your consent ). Its also a violation to pull a credit report for an impermissible purpose, such as determining if you are collectible in a lawsuit, an employer pulling the report without permission or a creditor on a discharged debt in bankruptcy using the report to check on your current financial activity. \n\nWithholding Notices You must be given notice on the reporting, handling and use of your credit information. Violations could include : A creditor failing to notify you when it supplies negative credit information. \nA user of credit information ( prospective employer or lender ) failing to notify you of a negative decision based upon your credit report. Or that user of credit information refusing to identify the source of credit information it obtained about you. \nA creditor failing to provide your credit score if it was used as part of any credit decision. \nA creditor failing to notify you of your right to obtain a free credit report. \nIts important to be educated and know your Fair Credit Reporting Act rights. \n\nRecovering Damages for FCRA Violations The information covered under the Fair Credit Reporting Act is so critical to the financial health of an individual that when violations of the FCRA occur, the victim can file suit and collect for damages. \n\nThe extent to which a victim can be compensated depends largely on whether the violation was willful or negligent. The parties responsible for possible violations include credit reporting agencies, businesses furnishing the information to credit agencies or someone using information off the credit report to make a decision about a job, or housing. \n\nWillful FCRA Violations These are the more serious violations and more highly compensated because it means the agency, business or individual was aware their actions would cause harm to you, but went ahead and did them anyway. \n\nThe types of damages that can be compensated here include : Actual damages. These are damages that can be proved because of harm caused by an action or failure to act by the agency, business or individual. There is no limit to how high an award can be. \nStatutory damages. These are damages that dont require proof, but the compensation is limited to somewhere between {$100.00} and {$1000.00}. \nPunitive damages. These are awarded to punish an agency, business or individual and deter them from violating the FCRA again. There is no limit on how much can be awarded. \nAttorney fees and court costs. You can have the cost of litigating the matter covered if you win your case. \nNegligent FCRA Violations When an agency, business or individual fails to exercise proper care or takes action that a reasonable person would not with regard to your credit information, that is negligent behavior and money damages can result. \n\nThe types of damages available are the same as with willful violations, namely actual damages ( no limit ) ; statutory damages ( usually between {$100.00} and {$1000.00} ) ; punitive damages ( no limit ) and attorney fees and court costs. \n\nFrivolous FCRA Lawsuit Penalties Credit reporting bureaus have the right to terminate investigations of violations if the agency determines that the consumers complaint is frivolous or irrelevant. \n\nTypically, this happens when the consumer fails to offer sufficient information to investigate the disputed information. \n\nThey also may lose a court case if they filed suit in bad faith or to harass an agency, business or individual. If this happens, the consumer may be required to pay the attorney fees for filing bad faith papers.\n\nDeadlines Here are four key deadlines to remember when dealing with the Fair Credit Reporting Act. \n\nInaccurate information must be corrected or deleted within 30 days of your dispute ( or up to 45 days if you provide additional information after submitting your written dispute ). \nBusinesses or other information furnishers must tell you about any negative information reported to the credit bureaus within 30 days. \nThe statute of limitations for filing a suit is two years after the date you discovered a violation or within five years of the date of the violation. \nXXXXXXXX XXXX XXXX The three major credit bureaus are required to provide you with one free copy of your credit report every year, if you request it. You must properly identify yourself, of course. The Web site XXXX is a prime place to obtain your free annual credit report. \n\nIn some cases, the credit bureaus also must provide you with another free copy of your credit report if : A business has denied your application or charged a higher interest rate because of information in your credit report. \nYoure unemployed and planning to look for a job within the next 60 days. \nYoure on welfare. \nYouve been a victim of identity theft ( or if your credit report contains inaccurate information because of identity theft ). \nOther Credit Reporting Agencies There is much emphasis on the three nationwide consumer reporting companies Equifax, XXXX and XXXX but its useful to know there are other sources of consumer reporting information. \n\nThe Consumer Financial Protection Bureau has published a list of other companies that self-identify as consumer reporting agencies. These companies collect information and provide reports to other companies about you in the areas of credit, employment, residential rental housing, insurance and other decision-making situations. Its worth a look to determine which of the companies could be important to you. \n\nThis list, while not all-inclusive, has been independently verified by the CFPB. \n\nMeanwhile, here are the best contact numbers for the XXXX nationwide consumer reporting companies : Equifax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Problems with credit reporting bureaus are not unusual. Getting timely corrections on mistakes on your credit report can be difficult, but is worth pursuing. \n\nIf you have questions about the credit reporting bureaus and how information is gathered, you should contact a nonprofit credit counseling agency like XXXX and speak with a certified counselor about the problem. \n\nFair Credit Reporting Act 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 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 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 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 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 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 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 | We do not lend money.","date_sent_to_company":"2023-05-04T03:51:52.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20877","tags":null,"has_narrative":true,"complaint_id":"6924689","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-05-04T03:26:54.000Z","state":"MD","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Youre entitled to a free report for any of these reasons : Information was used <em>against</em> you ; you are a victim of <em>identity</em> <em>theft</em> and place a <em>fraud</em> alert on your file ; your file contains inaccurate information that resulted from <em>fraud</em> ; youre on public assistance or you have been unemployed but expect to apply for work within 60 days. \nIf you have been the victim of <em>identity</em> <em>theft</em>, you are entitled to ask businesses for a copy of transaction records relating to the <em>theft</em> of your <em>identity</em>."]},"sort":[8.117138,"6924689"]},{"_index":"complaint-public-v1","_id":"6924561","_score":8.116694,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"They are reporting negative or late payments. All 3 credit bureaus including credit Karma showing my credit line amounts. Skip to content XXXX XXXX XXXX XXXX XXXX XXXX In Search XXXX Call Today : ( XXXX ) XXXX Fair Credit Reporting Act : Common Violations and Your Rights Updated : XX/XX/XXXX | XXXX XXXX XXXX Credit Card Debt Relief Credit Counseling How to Increase Credit Score Fair Credit Reporting Act : Common Violations and Your Rights A consumers financial future can rise and fall on whats in their credit report so keeping a close eye on the contents should be important to everyone. Credit reports are used to decide who gets a loan, a credit card, a job, or even an apartment to rent, so few things are more crucial than having a credit report free of errors. \n\nStill, credit report errors are made, and the consequences can be devastating. Thats why its vital to look at your credit report at least once a year and make sure all the information in it, is accurate. Federal law allows you to get a free credit report from each of the three major reporting bureaus by signing up at XXXX. \n\nThe Fair Credit Reporting Act of 1970 Recognizing the life-altering power of credit information, Congress adopted the Fair Credit Reporting Act ( FCRA ) in 1970 to protect consumers and regulate how credit information is used and disseminated. The law gives consumers the right to know whats in their credit reports and free access to the information credit rating agencies use to assign credit scores. \n\nThe FCRA also requires that anyone who denies a person credit, insurance or employment because of what is in their credit report, tell you where they got the information and how to contact the issuer. \n\nThe Federal Trade Commission enforces the FCRA. The Dodd-Frank Act transferred most of the rulemaking responsibilities to the Consumer Financial Protection Bureau XXXX but the FTC still retains enforcement authority. \n\nThe nations three largest credit reporting agencies XXXX, XXXX and TransUnion are required by law to do everything in their power to accurately gather and report consumer information. Together, they keep files on more than 200 million Americans and issue more than three billion reports a year.\n\nGiven the volume of information, its inevitable that errors occur. The FCRA gives consumers the means to detect inaccuracies in their reports and file complaints. It also requires reporting agencies to investigate and correct bogus information. \n\nMistakes are often clerical, but sometimes theyre the result of old information reported as current. XXXX XXXX XXXX XXXXXXXX reported the troubles of a Mississippi woman whose {$40000.00} second-mortgage debt was discharged through a bankruptcy filing in XXXX. But four years later, the debt appeared on her report as unpaid. She tried repeatedly to get the error removed, but it took intervention from Mississippis attorney general to have her report corrected. \n\nCases like that are common. State attorneys investigate FCRA complaints and many have consumer information on their web pages to let people know what their rights are and the steps to take if they uncover erroneous information. \n\nCommon violations of the FCRA include : Failure to update reports after completion of bankruptcy is just one example. Agencies might also report old debts as new and report a financial account as active when it was closed by the consumer. \nCreditors give reporting agencies inaccurate financial information about you. \nReporting agencies mixing up one persons information with anothers because of similar ( or same ) name or social security number. \nAgencies fail to follow guidelines for handling disputes. \nPulling your report for an impermissible purpose. For instance, viewing a credit report to determine if you have assets before filing certain kinds of lawsuits. \nFailing to send you notifications about your credit report or score in violation of the FCRA. \nReporting agencies providing information to unauthorized persons or businesses. \nNot all FCRA actions are the result of errors or poorly maintained files. For example, the XXXX XXXX XXXX reported about a data broker that agreed to pay {$800000.00} in a settlement with the Federal Trade Commission for allegations he illegally sold personal information to human resources, background screening and recruiting companies. \n\nYour Rights Under the Fair Credit Reporting Act If youre turned down for credit or have some other reason to suspect that a credit report might have erroneously damaged you, get the name of the national credit agency that provided the report. A landlord who turned you down for bad credit or a bank that denied you a credit card will tell you which agency issued the report. \n\nNext, contact the agency and request a copy of the report. Keep in mind that if the report contains incorrect information, other agencies could be using the same information in their reports. The agency that provided the information must supply you with its report within 30 days of the denial for free. Otherwise, it can charge a fee to see a report. \n\nIf you find inaccurate or outdated information, notify the credit reporting agency in writing, explaining the error and demanding that it be immediately corrected. If the agency investigates and does nothing, and if you are still sure the report contains errors, contact the Federal Trade Commission or the state attorney generals office nearest you. \n\nIts important to know your rights under the Fair Credit Reporting Act : You have a right to know whats in your file. Contact the credit-rating agency that issued a report that was used to deny you credit, housing or employment. Youre entitled to a free report for any of these reasons : Information was used against you ; you are a victim of identity theft and place a fraud alert on your file ; your file contains inaccurate information that resulted from fraud ; youre on public assistance or you have been unemployed but expect to apply for work within 60 days. \nIf you have been the victim of identity theft, you are entitled to ask businesses for a copy of transaction records relating to the theft of your identity. For example, loan or credit card applications. You also may authorize law enforcement agencies to request the information. Businesses must provide it within 30 days of receiving the request. Some companies are reluctant to release this information claiming it is proprietary information or that they are protecting the consumer. However, the FCRA states that businesses are required to provide applications and business transaction records to help victims document fraudulent charges. The FTC outlines the obligations for businesses here. \nYou have a right to ask for your credit score. Credit reporting agencies provide these. In some instances, mortgage lenders will tell you your score when you apply for a loan. Also, some credit card issuers now include up-to-date scores in their monthly statements. \nYou have a right to dispute incomplete or inaccurate information in your report. \nCredit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. \nReporting agencies must not disseminate outdated negative information. \nInformation in your file is limited to those with a valid need for it. \nYou must give written consent for credit agencies to send your credit report to employers. \nIf your rights have been violated under the FCRA, you are entitled to seek actual or statutory damages, recover attorneys fees and court costs and request punitive damages. \n\nFair Credit Reporting Act Violations There are several common violations of the Fair Credit Reporting Act, involving both the thousands of companies reporting information and the three major bureaus taking the information and assigning it to your credit report. \n\nSome of the common violations include : Furnishing and Reporting Old Information When your credit circumstances change, your credit report must be updated. If its not, thats a violation. How could some violations occur? \n\nReporting a debt as charged off, when it was settled or paid off. \nReporting late payments when your payments were timely. \nReporting old debts as new ones. \nReporting that an account was active after it was voluntarily closed by a consumer. \nFailure to report that a debt was discharged in bankruptcy. \nReporting information that is more than seven years old ( when XXXX XXXX bankruptcy notices should lapse ) or 10 years old ( XXXX XXXX bankruptcy ). \nInaccurate statement of balance due. \nFailing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ). \nMixing Files Mixing files with someone else who has similar background information ( sometimes as careless as failing to distinguish the Jr. and Sr. in similar surnames ). \n\nDebt Dispute Procedures for Credit Bureaus When submitting a written dispute about the accuracy of your credit report, the credit bureaus must follow proper procedures, such as conducting an investigation, correcting inaccuracies or removing a disputed debt. Sometimes, agencies fall short in these areas. \n\nDebt Dispute Violations for Creditors Creditors are obligated to note every disputed debt and submit corrected information, stop submitting incorrect information when it has been reported, conduct an internal investigation of disputes within 30 days and provide a reasonable procedure to submit a written dispute or report of identity theft. \n\nPrivacy Violations Your credit report can be disclosed only to entities with a valid need, such as creditors, landlords, insurance providers, utility companies and employers ( with your consent ). Its also a violation to pull a credit report for an impermissible purpose, such as determining if you are collectible in a lawsuit, an employer pulling the report without permission or a creditor on a discharged debt in bankruptcy using the report to check on your current financial activity. \n\nWithholding Notices You must be given notice on the reporting, handling and use of your credit information. Violations could include : A creditor failing to notify you when it supplies negative credit information. \nA user of credit information ( prospective employer or lender ) failing to notify you of a negative decision based upon your credit report. Or that user of credit information refusing to identify the source of credit information it obtained about you. \nA creditor failing to provide your credit score if it was used as part of any credit decision. \nA creditor failing to notify you of your right to obtain a free credit report. \nIts important to be educated and know your Fair Credit Reporting Act rights. \n\nRecovering Damages for FCRA Violations The information covered under the Fair Credit Reporting Act is so critical to the financial health of an individual that when violations of the FCRA occur, the victim can file suit and collect for damages. \n\nThe extent to which a victim can be compensated depends largely on whether the violation was willful or negligent. The parties responsible for possible violations include credit reporting agencies, businesses furnishing the information to credit agencies or someone using information off the credit report to make a decision about a job, or housing. \n\nWillful FCRA Violations These are the more serious violations and more highly compensated because it means the agency, business or individual was aware their actions would cause harm to you, but went ahead and did them anyway. \n\nThe types of damages that can be compensated here include : Actual damages. These are damages that can be proved because of harm caused by an action or failure to act by the agency, business or individual. There is no limit to how high an award can be. \nStatutory damages. These are damages that dont require proof, but the compensation is limited to somewhere between {$100.00} and {$1000.00}. \nPunitive damages. These are awarded to punish an agency, business or individual and deter them from violating the FCRA again. There is no limit on how much can be awarded. \nAttorney fees and court costs. You can have the cost of litigating the matter covered if you win your case. \nNegligent FCRA Violations When an agency, business or individual fails to exercise proper care or takes action that a reasonable person would not with regard to your credit information, that is negligent behavior and money damages can result. \n\nThe types of damages available are the same as with willful violations, namely actual damages ( no limit ) ; statutory damages ( usually between {$100.00} and {$1000.00} ) ; punitive damages ( no limit ) and attorney fees and court costs. \n\nFrivolous FCRA XXXX XXXX XXXX reporting bureaus have the right to terminate investigations of violations if the agency determines that the consumers complaint is frivolous or irrelevant. \n\nTypically, this happens when the consumer fails to offer sufficient information to investigate the disputed information. \n\nThey also may lose a court case if they filed suit in bad faith or to harass an agency, business or individual. If this happens, the consumer may be required to pay the attorney fees for filing bad faith papers.\n\nDeadlines Here are four key deadlines to remember when dealing with the Fair Credit Reporting Act. \n\nInaccurate information must be corrected or deleted within 30 days of your dispute ( or up to 45 days if you provide additional information after submitting your written dispute ). \nBusinesses or other information furnishers must tell you about any negative information reported to the credit bureaus within 30 days. \nThe statute of limitations for filing a suit is two years after the date you discovered a violation or within five years of the date of the violation. \nXXXXXXXX XXXX XXXX  The three major credit bureaus are required to provide you with one free copy of your credit report every year, if you request it. You must properly identify yourself, of course. The Web site XXXX is a prime place to obtain your free annual credit report. \n\nIn some cases, the credit bureaus also must provide you with another free copy of your credit report if : A business has denied your application or charged a higher interest rate because of information in your credit report. \nYoure unemployed and planning to look for a job within the next 60 days. \nYoure on welfare. \nYouve been a victim of identity theft ( or if your credit report contains inaccurate information because of identity theft ). \nOther Credit Reporting Agencies There is much emphasis on the three nationwide consumer reporting companies XXXX, XXXX and TransUnion but its useful to know there are other sources of consumer reporting information. \n\nThe Consumer Financial Protection Bureau has published a list of other companies that self-identify as consumer reporting agencies. These companies collect information and provide reports to other companies about you in the areas of credit, employment, residential rental housing, insurance and other decision-making situations. Its worth a look to determine which of the companies could be important to you. \n\nThis list, while not all-inclusive, has been independently verified by the CFPB. \n\nMeanwhile, here are the best contact numbers for the XXXX nationwide consumer reporting companies : XXXX : ( XXXX ) XXXXXXXX XXXX XXXX  ( XXXX ) XXXX TransUnion : ( XXXX ) XXXX Problems with credit reporting bureaus are not unusual. Getting timely corrections on mistakes on your credit report can be difficult, but is worth pursuing. \n\nIf you have questions about the credit reporting bureaus and how information is gathered, you should contact a nonprofit credit counseling agency like XXXX and speak with a certified counselor about the problem. \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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX We do not lend money.","date_sent_to_company":"2023-05-04T03:52:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20877","tags":null,"has_narrative":true,"complaint_id":"6924561","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-05-04T03:51:57.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Youre entitled to a free report for any of these reasons : Information was used <em>against</em> you ; you are a victim of <em>identity</em> <em>theft</em> and place a <em>fraud</em> alert on your file ; your file contains inaccurate information that resulted from <em>fraud</em> ; youre on public assistance or you have been unemployed but expect to apply for work within 60 days. \nIf you have been the victim of <em>identity</em> <em>theft</em>, you are entitled to ask businesses for a copy of transaction records relating to the <em>theft</em> of your <em>identity</em>."]},"sort":[8.116694,"6924561"]},{"_index":"complaint-public-v1","_id":"10023628","_score":8.051757,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Peace and Love To All Who Read This. \nPer the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I, the consumer, may have given you written, unwritten, verbal, and non-verbal per 15 USC 6802. Your power of attorney has been removed. Effective Immediately.\n\nThe success of your company and your notes depends on your ability to provide accurate information to your customers and to protect that information among other things. However, you failed to take care of the living men and women whose information youre profiting off of without them even knowing while failing to provide any benefit to them.\n\nAs an investor and one forced into peonage because of a fake system your organization operates, this is a notice to inform you that due to your actions and negligence, you are no longer allowed to carelessly use my personal identifiable information or my social security number to make a profit without my benefit. Due to self-proclaimed consumer reporting agencies like yourself, Ive spent an extensive amount of time and money rebuilding my credit, removing my information from the dark web, canceling cards, bank accounts, etc. I was made aware of the fact that you guys are selling my information after reading your SEC Filings. Youre selling my credit file and report as securities and to companies every month in general as well every time I try to use my credit in the market. Ive been getting turned down by company after company when trying to get credit cards and loans when Im simply trying to rebuild my credit and get my life back in order. This is a fake system that you continue to feed knowing that consumers have the right to credit no matter their score because the credit is coming from their personal estate account tied to their social security number and not from the lender. The lenders create money out of thin air so they arent actually lending me anything. Your credit system is used to punish consumers and keep them trapped in misery. \nYoure aXX/XX/XXXX. You are a private for-profit organization acting as a government entity. As a consumer reporting agency, youre only supposed to provide my info to government organizations regarding child support. You have stolen my nonpublic personal information and youre using it to make money without my permission or consent. I didnt give you permission to obtain my information and youre using my personal information to cause me harm with no remorse. \nWe do not have a contractual agreement with each other in any form or fashion. I never gave you permission to collect my personal information from any external or internal source and I definitely didnt give you permission to sell it to make a profit. This is considered identity theft and fraud. I am unable to purchase a vehicle or perform simple day to day pleasantries due to defamatory reporting. Im tired of the constant excuses of how you guys dont control the info shown on your site when we both know that its a lie.\n\nYour credit reporting has stifled my business making it hard for me to get loans needed that would help my business grow. Due to the slowdown in business, I was forced to look for employment. I have missed out on several jobs that I was more than qualified for, but didnt make it past the background check despite having a clean criminal record.\n\nWith that being said, Im prepared to file a lawsuit unless my demands are met. I will also take my personal CUSIP and send that information over to the SEC as evidence about how youre selling information on the secondary market. Then Ill file a 211, 3949-a on your company and a 1099b on that CUSIP with the IRS. Ill get the FTC and OCC involved as well just because. I will also mention these other claims which include negligence, unjust enrichment, racketeering, organized crime, forced slavery, and a violation of the FCRA. Then Im going to start teaching people how to go after you guys the same exact way! \nYou will find your violations down below, but of course you guys know what laws youre breaking every single day. I expect a prompt response and settlement of this issue within 10 days. \n\nLaws For Enforcement Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) 18 U.S. Code 1961 - Definitions ( 1 ) racketeering activity sections 891894 ( relating to extortionate credit transactions ), section 1028 ( relating to fraud and related activity in connection with identification documents ), section 1956 ( relating to the laundering of monetary instruments ), fraud in the sale of securities P.L. 90321, Approved XX/XX/XXXX ( 82 Stat. 146 ) Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.\n\n( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.\n\n15 U.S. Code 1681- Congressional findings and statement of purpose Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. \n( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. \n\n15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( k ) Adverse Action.\n\n( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer.\n\n15 U.S. Code 1681b - Permissible purposes of consumer reports In general ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\nP.L. 90321, Approved XX/XX/XXXX ( 82 Stat. 146 ) SEC. 604. [ 15 U.S.C. 1681b ] ( a ) IN GENERAL.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : XX/XX/XXXX ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. \n\n( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.\n\n( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.\n\n( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.\n\n( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum 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} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; 15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.\n\n15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. \n( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.\n\nPrivacy Act of 1974 ( 5 U.S. Code 552a ) DEFINITIONS.For purposes of this section ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; CONDITIONS OF DISCLOSURE No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be- ( 12 ) to a consumer reporting agency in accordance with section 3711 ( f ) of title 31.\n\n12 CFR 1016.1 - Purpose and scope.\n\n( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15.\n\n12 CFR 1016.4 - Initial privacy notice to consumers required.\n\nInitial privacy notice to consumers required.\n\n( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, if you make such a disclosure other than as authorized by 1016.14 and 1016.15 of this part.\n\n12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods.\n\n( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.\n\n( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out.\n\n( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. \n( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. \n( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.\n\n( i ) Duration of consumer 's opt out direction.\n\n( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.\n\n15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : SUMMARY | Prospectus 424b4 TransUnion TransUnion is a leading global risk and information solutions provider to businesses and consumers. We provide consumer reports, risk scores, analytical services and decisioning capabilities to businesses. Businesses embed our solutions into their process workflows to acquire new customers, assess consumer ability to pay for services, identify cross-selling opportunities, measure and manage debt portfolio risk, collect debt, verify consumer identities and investigate potential fraud. Consumers use our solutions to view their credit profiles and access analytical tools that help them understand and manage their personal information and take precautions against identity theft. We are differentiated by our comprehensive and unique datasets, our next-generation technology and our analytics and decisioning capabilities, which enable us to deliver insights across the entire consumer lifecycle. We believe we are the largest provider of risk and information solutions in the United States to possess both nationwide consumer credit data and comprehensive, diverse public records data, which allows us to better predict behaviors, assess risk and address a broader set of business issues for our customers. We have deep domain expertise across a number of attractive industries, sometimes referred to as verticals, including financial services, insurance and healthcare. We have a global presence in over 30 countries across XXXX XXXX, XXXX, XXXX XXXX and XXXX.","date_sent_to_company":"2024-09-04T05:26:42.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"34601","tags":null,"has_narrative":true,"complaint_id":"10023628","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-04T05:21:02.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Businesses embed our solutions into their process workflows to acquire new customers, assess consumer ability to pay for services, identify cross-selling opportunities, measure and manage debt portfolio risk, collect debt, verify consumer <em>identities</em> and investigate potential <em>fraud</em>. Consumers use our solutions to view their credit profiles and access analytical tools that help them understand and manage their personal information and take precautions <em>against</em> <em>identity</em> <em>theft</em>."]},"sort":[8.051757,"10023628"]},{"_index":"complaint-public-v1","_id":"11061932","_score":7.465441,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Certified Mail # 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 TO : 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  Formal Notice of Claim and Dispute of Billing Error Notice To Agent Is Notice Principal Notice To Principal Is Notice To Agent This Dispute Letter serves as a my formal complaint to XXXX XXXX for credit card # ending in XXXX, because you are reporting inaccurate credit account information to XXXX and Equifax . Please take notice that you should have known that I\n\nwas not late with any of my payments on this account but that I am absolutely positive that these accounts are purely mine for use in update of the receivables and payables ledger. Your records should indicate that I may open these accounts, and administrate all claims, including but not limited to those where your company claims to have VERIFIED accounts belonging to me without your liability and proof of claim. That is my simple reasoning for this communication of my right to counterclaim and demand proof of registration for the use of my property under false pretenses, including but not limited to false credit reporting and theft of my identity!!! Per the FCRA as a federally protected consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non-verbal, per ( 5 USC 552a ). Per the FCRA, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non-verbal, per ( 15 USC 6802 ) Obligations with respect to disclosures of personal information. Also under 12 cfr subsection 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services. The PRIVACY ACT of 1974 as federally protected consumer I am now revoking any and all authorization I consumer may have given you written, non- written, verbal, and nonverbal per 5 USC 552a. ( 15 USC 1611 ) Criminal liability for Certified Mail # XXXX XXXX XXXX XXXX XXXX XXXX knowing and willful violations. ( 15 USC 1681 ) Accuracy and fairness of credit reporting. 15 USC 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge offs status ), between the consumer ( myself ) and the Company XXXX XXXX who is making the report. ( IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ) Also refer to Exceptions to the notice and opt-out requirements that apply when an entity uses eligibility information in certain ways, as described later in these procedures. Eligibility information ( 12 CFR 1022.20 ( b ) ( 3 ) ) includes not only transaction and experience information, but also the type of information found in consumer reports, such as information from third-party sources and credit scores.\n\nEligibility information does not include aggregate or blind data that does not contain personal identifiers such as account numbers, names, or addresses. ( 15 USC 6801 ) Protection of nonpublic personal information : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public information. ( XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that In general Subject to section ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( XXXX XXXX ) the financial institution and the reporting agencies XXXX Equifax do not have any consent to furnish this inaccurate information and they surely do not have my written consent. Any and all consent to Equifax, and XXXX, ( XXXX XXXX ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that a A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. \n( XXXX XXXX ) never informed me of my rights to exercise my non disclosure option. Not only that but 15 USC 1681C ( a ) ( 5 ) states Except provided as authorized under subsection ( b ), no consumer reporting may make any consumer report containing any of the following items of information, any other adverse item of information, other than records convictions of crimes which antedates the report by more than 7 years. This account is an adverse item they are reporting again without my permission which is against the law. 15 USC subsection 1681s-2 ( A ) ( 1 ) A states A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has a reasonable cause to believe that the information is inaccurate. XXXX XXXX can not collect on a discharge debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported.\n\nThe IRS clearly defines a charge off as Gross or Ordinary Income. Income does not get reported on the consumer report which in fact makes reporting of this account inaccurate! By Definition the IRS clearly says a canceled debt or charge off is income. The reporting that this account is a debt is inaccurate. I never received a 1099C from XXXX XXXX for canceled debt of ( {$1300.00} ) in order to file as ordinary income. Where is my 1099-C, XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C, as required by the IRS for debts greater than ( {$600.00} ). This is Unsatisfactory, ( 15 USC subsection 1681e ) states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Equifax are not maintaining reasonable procedures because I as the consumer is being adversely affected due to the adverse reporting. ( 15 USC 6802 ) Obligations with respect to Disclosures of Personal Information. ( 15 UC 6805 ) Certified Mail # XXXX XXXX XXXX XXXX XXXX XXXX The enforcement of the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, The FEDERAL Function Regulator, STATE Insurance , and The FEDERAL Trade COMMISSION with respect to financial institutions and other persons subject to their jurisdiction under applicable law. Also please take notice that I have a right to challenge all inaccurate information that you are adversely reporting and a right to claims and defenses based on your unfair and deceptive acts and damage you have cause me according to ( 16 CFR 433.2 ) Preservation of consumers claims and defense, unfair or deceptive acts or practices. Also refer to ( 16 CFR 433.3 ) Exemption of Sellers taking or receiving open end consumer credit contracts before XX/XX/XXXXXXXX XXXX from requirements of 433.2 ( a ) and ( 16 CFR 313 ) Privacy of Consumer Financial Information.\n\nFCRA 623 ( a ) ( 7 ) Negative Information ( A ) Notice to Consumer Required ( 1 ) In general. If any financial\ninstitution that extends credit and regularly and in the ordinary course of business furnishes information to a reporting agency described in se\n\nction 603 furnishes negative information to such an agency regarding credit extended to a customer, the financial intimation shall provide a notice of such furnishing of negative, in writing, to the customer. ( 2 ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a costumer reporting agency described in section 603 with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer. ( B ) Time of Notice ( 1 ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishes the negative information to a consumer reporting agency described in section 603 ( p ) ( 2 ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosure provided under section 127 ( a ) of the Truth in Lending Act. I have done my own investigation and have researched numerous legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each and every time that the credit reporting agency could not merely parrot information from creditors and/or collections agencies. You are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Policy states.. According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy Certified Mail # XXXX XXXX XXXX XXXX XXXX XXXX ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general, Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice if the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts that belong to me, must report accurate account payment information within my credit file. Please do not delete my history or credit file but delete all closed accounts that are negatively affecting my report and report this credit card account as paid as agreed a nd I request you to bring my utilization rate to XXXX. The\nfacts that negatively affect my credit profile are adverse account information which means that you, XXXX and Equifax credit-reporting agencies, are the source of reporting which is adverse to the rights of the consumer.\n\nPlease take note that this consumer credit transaction, credit card account ending in XXXX that you are reporting are not fair or equitable to me as the consumer according to Congressional findings and statement of purposes in 15 U.S.C 1681 ( b ) Reasonable procedures and Permissible purposes of consumer reports 15 U.S.C 1681b. I will be forced to sue in a court of law if these accounts are not updated within 30 days. The adverse style of reporting of collections, charge offs and inquiries are a result of your agencys intention t\no induce me to fraud meant to damage the consumer, wherein you have implicated yourself as an accomplice to the victimization of the consumer. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All Rights Reserved XXXX This document is executed under penalty of perjury ; in nature of 28 U.SC. subsection 1746 ( 1 ) ] expressly without UNITED STATES, [ i.e. 28U.S.C. subsection 3002 ( 15 ) ( A ) ; U.C.C. 9-307 ( h ) ; U.S.C.A. Const. Art.\n\n1:8:17- 18 ] Administered by a commissioned officer, i.e., Notary Public in accordance who is also\nacknowledging same [ in accordance Fed.R.Evid. 902 ( 1 ) ( B ) ]. \nCertified Mail # XXXX XXXX XXXX XXXX XXXX XXXX Cc to : Office of COMPTROLLER OF THE CURRENCY DEPARTMENT OF THE TREASURY/ XXXX XXXX XXXX, Comptroller, Administrator of National Banks Washington DC XXXX XXXX XXXX, ATTORNEY GENERAL , United States of America/U.S. DEPARTMENT OF JUSTICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX POSTMASTER GENERAL U, S, Postal Service/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRIMINAL INVESTIGATIONS SERVICE CENTER U.S. Postal Service, MAIL FRAUD DIVISION/433 XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX INTERNAL REVENUE SERVICE CRIMINAL INVESTIGATION DIVISIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTRORNEY GENERAL CONSUMER PROTECTION Attorney General Office/ XXXX","date_sent_to_company":"2024-12-06T05:25:21.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19144","tags":null,"has_narrative":true,"complaint_id":"11061932","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-06T05:25:18.000Z","state":"PA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["That is my simple reasoning for this communication of my right to counterclaim and demand proof of registration for the use of my property under false pretenses, including but not limited to false credit reporting and <em>theft</em> of my <em>identity</em>!!! Per the FCRA as a federally <em>protected</em> consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non-verbal, per ( 5 USC 552a )."]},"sort":[7.465441,"11061932"]},{"_index":"complaint-public-v1","_id":"11061928","_score":7.3364935,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Certified Mail # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OCCUPANT TO OFFICE OF XX/XX/XXXX Beneficial Equitable Title Holder to Surety XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX Pennsylvania near [ XXXX ] TO XXXX XXXX XXXX Customer Service XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Copy to XXXX XXXX XXXX XXXX c/o CT XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX New York XXXX Formal Notice of Claim and Dispute of Billing Error Notice To Agent Is Notice Principal Notice To Principal Is Notice To Agent This Dispute Letter serves as a my formal complaint to XXXX XXXX for credit card # ending in XXXX, because you are reporting inaccurate credit account information to Experian and XXXX XXXX Please take notice that you should have known that I was not late with any of my payments on this account but that I am absolutely positive that these accounts are purely mine for use in update of the receivables and payables ledger. Your records should indicate that I may open these accounts, and administrate all claims, including but not limited to those where your company claims to have VERIFIED accounts belonging to me without your liability and proof of claim. That is my simple reasoning for this communication of my right to counterclaim and demand proof of registration for the use of my property under false pretenses, including but not limited to false credit reporting and theft of my identity!!! \nPer the FCRA as a federally protected consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non-verbal, per ( 5 USC 552a ). Per the FCRA, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non-verbal, per ( 15 USC 6802 ) Obligations with respect to disclosures of personal information. Also under 12 cfr subsection 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services. The PRIVACY ACT of 1974 as federally protected consumer I am now revoking any and all authorization I consumer may have given you written, non- written, verbal, and nonverbal per 5 USC 552a. ( 15 USC 1611 ) Criminal liability for XXXX Mail # XXXX XXXX XXXX XXXX XXXX XXXX knowing and willful violations. ( 15 USC 1681 ) Accuracy and fairness of credit reporting. 15 USC 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge offs status ), between the consumer ( myself ) and the Company XXXX XXXX who is making the report. ( IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ) Also refer to Exceptions to the notice and opt-out requirements that apply when an entity uses eligibility information in certain ways, as described later in these procedures. Eligibility information ( 12 CFR 1022.20 ( b ) ( 3 ) ) includes not only transaction and experience information, but also the type of information found in consumer reports, such as information from third-party sources and credit scores.\n\nEligibility information does not include aggregate or blind data that does not contain personal identifiers such as account numbers, names, or addresses. ( 15 USC 6801 ) Protection of nonpublic personal information : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public information. ( XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that In general Subject to section ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( XXXX XXXX ) the financial institution and the reporting agencies Experian XXXX do not have any consent to furnish this inaccurate information and they surely do not have my written consent. Any and all consent to XXXX, and Experian, ( XXXX XXXX ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that a A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. \n( XXXX XXXX ) never informed me of my rights to exercise my non disclosure option. Not only that but 15 USC 1681C ( a ) ( 5 ) states Except provided as authorized under subsection ( b ), no consumer reporting may make any consumer report containing any of the following items of information, any other adverse item of information, other than records convictions of crimes which antedates the report by more than 7 years. This account is an adverse item they are reporting again without my permission which is against the law. 15 USC subsection 1681s-2 ( A ) ( 1 ) A states A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has a reasonable cause to believe that the information is inaccurate. XXXX XXXX can not collect on a discharge debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. \nThe IRS clearly defines a charge off as Gross or Ordinary Income. Income does not get reported on the consumer report which in fact makes reporting of this account inaccurate! By Definition the IRS clearly says a canceled debt or charge off is income. The reporting that this account is a debt is inaccurate. I never received a 1099C from XXXX XXXX for canceled debt of ( {$1300.00} ) in order to file as ordinary income. Where is my 1099-C, XXXX XXXX XXXX XXXX writing off debt with the IRS without sending out 1099-C, as required by the IRS for debts greater than ( {$600.00} ). This is Unsatisfactory, ( 15 USC subsection 1681e ) states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian and XXXX are not maintaining reasonable procedures because I as the consumer is being adversely affected due to the adverse reporting. ( 15 USC 6802 ) Obligations with respect to Disclosures of Personal Information. ( 15 UC 6805 ) Certified Mail # XXXX XXXX XXXX XXXX XXXX XXXX The enforcement of the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, The FEDERAL Function Regulator, STATE Insurance , and The FEDERAL Trade COMMISSION with respect to financial institutions and other persons subject to their jurisdiction under applicable law. Also please take notice that I have a right to challenge all inaccurate information that you are adversely reporting and a right to claims and defenses based on your unfair and deceptive acts and damage you have cause me according to ( 16 CFR 433.2 ) Preservation of consumers claims and defense, unfair or deceptive acts or practices. Also refer to ( 16 CFR 433.3 ) Exemption of Sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX1st 1977 from requirements of 433.2 ( a ) and ( 16 CFR 313 ) Privacy of XXXX XXXX XXXX. \nFCRA 623 ( a ) ( 7 ) Negative Information ( A ) Notice to Consumer Required ( 1 ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a reporting agency described in section 603 furnishes negative information to such an agency regarding credit extended to a customer, the financial intimation shall provide a notice of such furnishing of negative, in writing, to the customer.\n\n( 2 ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a costumer reporting agency described in section 603 with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer. \n( B ) Time of Notice ( 1 ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishes the negative information to a consumer reporting agency described in section 603 ( p ) ( 2 ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosure provided under section 127 ( a ) of the Truth in Lending Act. I have done my own investigation and have researched numerous legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each and every time that the credit reporting agency could not merely parrot information from creditors and/or collections agencies. You are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. \nPolicy states.. \nAccording to the FAIR CREDIT REPORTING ACT FCRA XXXX ( XXXX U.S.C. XXXX ), Procedure In Case of Disputed Accuracy Certified Mail # XXXX XXXX XXXX XXXX XXXX XXXX ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general, Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice if the dispute from the consumer or reseller.\n\nTherefore, my position is being clearly stated, these accounts that belong to me, must report accurate account payment information within my credit file. Please do not delete my history or credit file but delete all closed accounts that are negatively affecting my report and report this credit card account as paid as agreed and I request you to bring my utilization rate to 0. The facts that negatively affect my credit profile are adverse account information which means that you, Experian and XXXX credit-reporting agencies, are the source of reporting which is adverse to the rights of the consumer. \nPlease take note that this consumer credit transaction, credit card account ending in 51007 that you are reporting are not fair or equitable to me as the consumer according to Congressional findings and statement of purposes in 15 U.S.C 1681 ( b ) Reasonable procedures and Permissible purposes of consumer reports 15 U.S.C 1681b. I will be forced to sue in a court of law if these accounts are not updated within 30 days. The adverse style of reporting of collections, charge offs and inquiries are a result of your agencys intention to induce me to fraud meant to damage the consumer, wherein you have implicated yourself as an accomplice to the victimization of the consumer. \nSincerely, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX UCC 1-308 All Rights Reserved JURAT This document is executed under penalty of perjury ; in nature of 28 U.SC. subsection 1746 ( 1 ) ] expressly without UNITED STATES, [ i.e. 28U.S.C. subsection 3002 ( 15 ) ( A ) ; U.C.C. 9-307 ( h ) ; U.S.C.A. Const. Art.\n\n1:8:17- 18 ] Administered by a commissioned officer, i.e., Notary Public in accordance who is also acknowledging same [ in accordance Fed.R.Evid. 902 ( 1 ) ( B ) ]. \nCertified Mail # XXXX XXXX XXXX XXXX XXXX XXXX XXXX to : Office of COMPTROLLER OF THE CURRENCY DEPARTMENT OF THE TREASURYXXXX XXXX XXXX XXXX, Comptroller, Administrator of National Banks Washington DC XXXX XXXX XXXX, ATTORNEY GENERAL XXXX United States of America/U.S. DEPARTMENT OF JUSTICE XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX POSTMASTER GENERAL U, S, Postal Service/ XXXX XXXX XXXX L XXXX XXXX, XXXX Washington DC XXXX XXXX CRIMINAL INVESTIGATIONS SERVICE CENTER U.S. Postal Service, MAIL FRAUD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX INTERNAL REVENUE SERVICE CRIMINAL INVESTIGATION DIVISION/111 XXXX XXXX, Room XXXX Washington, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorney General Office/ Strawberr","date_sent_to_company":"2024-12-06T05:25:21.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19144","tags":null,"has_narrative":true,"complaint_id":"11061928","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-06T05:25:18.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["That is my simple reasoning for this communication of my right to counterclaim and demand proof of registration for the use of my property under false pretenses, including but not limited to false credit reporting and <em>theft</em> of my <em>identity</em>!!! \nPer the FCRA as a federally <em>protected</em> consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non-verbal, per ( 5 USC 552a )."]},"sort":[7.3364935,"11061928"]},{"_index":"complaint-public-v1","_id":"18273604","_score":7.303854,"_source":{"product":"Debt collection","complaint_what_happened":"National Credit Adjust XXXX XXXX XXXX XXXX XXXX XXXX National credit adjust Account : # XXXX Date XX/XX/XXXX Account type : debt buyer Status : Collection account. {$500.00} past due as of XX/XX/XXXX Hereinafter collectively referred to as RESPONDENT, you, your company NOTICE OF DISPUTE ; DEMANDS FOR VALIDATION AND PROOF OF CLAIM HAS NOT BEEN MET! \n\nTo Whom it May Concern This letter is being sent to you in response to the debt validation claim XX/XX/XXXX, received By the claimant by your offices. Be advised that your claim is still disputed and you fail to validate and prove the claim of the disputed. \ndebt validation has not been met in accordance with the Fair Debt Collection Practices Act, 15 USC {$1600.00} and as amended by adding the following new Title 8 US {$800.00} et seq., and the Fair Credit Billing Act, 15 USC. {$1600.00} et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owned by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed. \n\nThis is was NOT a request for \" verification '' or proof of Claimant mailing address or computer generated of bank statements you could find, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully was requesting that your offices provided Claimant with competent evidence as per the attached \" Declaration and Proof of Claim '' that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus, such as, XXXX XXXX XXXX XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. \n\nDue to this fact ; if any negative mark is found on any of Claimant credit reporting by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : - Violation of the Fair Credit Reporting Act - Violation of the Fair Debt Collection Practices Act Defamation of Character - Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid your company was unable to send proper validation and your offices did not provide Claimant with proof of claim of the disputed debt. Your offices have to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a \" dishonor '' and cause the self-executing contract portion of this notice to be implemented. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. \n\nYour office has failed to respond to this validation and proof of claim request within 30 days timeframe from the previous date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. \n\nTitle 8 USC {$800.00}. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) 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 any 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. \n\nXXXXXXXX XXXX XXXX XXXX : VERIFICATION. \nConfirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. \nRULING 1002- Requirement of the original An original writing, recording, or photograph is required in order to prove its content unless these rules or a federal statute provides otherwise. \nCounter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days timeframe of the 1st letter sent; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondent 's tacit acceptance of the terms and condition stated herein.\n\nIn which case RESPONDENT agrees to : ( e ) Voluntarily report this account to all credit bureaus as \" paid as agreed ; '' and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally settled ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice.\n\nFurthermore, RESPONDENT 'S failure to \" Cease and Desist '' in accordance with the requirements of the FDCPA and other related law, and/or satisfy the above \" terms and conditions, \" constitutes RESPONDENT 'S `` Breach of Duty '' and voluntary agreement to compensate Claimant, by certified mail, with a cashier 's check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : XXXX ) XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondent 's unsubstantiated claim ; and, XXXX XXXX Dollars XXXX ) ( {$1000.00} ) for each transaction initiated by Claimant where Claimant 's commercial ability is impeded due to you, your agents ' or assigns adverse credit reporting ; and, XXXX ) XXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response XXXX ) XXXX ) to Respondent 's unsubstantiated claims ; and, RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and 6 ) 7 ) 8 ) 9 ) fees, for money lent; and, Three times the alleged claim amount of XXXX XXXX and XXXX dollars. \n( {$500.00} ) which equals ( {$1500.00} ) ; and, XXXX XXXX Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting XXXX ) repository which could be considered detrimental to Claimant 's credit history ; and, XXXX ) Punitive damages in the amount of ( {$500.00} ) ; and RESPONPENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrator 's authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings Will be final and birding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimant 's claim against Respondent, in full, or any bankruptcy by Respondent. \nThis is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable.\n\n\" Equality under the Law is PARAMOUNT and MANDATORY by Law '' NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Executed on this 30 day of XXXX, XXXX by, ____________________ You are the second party that has written a letter purporting to represent, or have as your client, XXXX XXXX XXXX, the first was not registered as a debt collector in Florida and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Your company failed to provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of first letter that was sent with receipt with the request for validation and proof of claim. \nXXXX. \nAlleged Name and Address of Creditor XXXX. \nName on File of Alleged Debtor : 3. \nAlleged Account # : Amount of alleged debt : XXXX. \nDate that this alleged debt became/becomes payable : XXXX. \nDate of original charge off or delinquency : XXXX. \nAmount paid if debt was purchased : XXXX. \nPlease attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. \nXXXX. \nFurnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judge 's inspection should there be a trial to contest these matters. \nXXXX. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( XXXX # 's XXXX, XXXX, XXXX ), 1099 OID report, S-3/A registration statement, XXXX prospectus, XXXX & XXXX call schedules XXXX. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. \nXXXX. Verified specifically, name ( XXXX ) of person ( XXXX ) assignd as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. \nXXXX. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. \nXXXX. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. \nXXXX. Provide verification from the stated creditor that you are authorized to act for them. \nXXXX. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.\n\nDisputing the Debt, Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit.\n\nFact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it.\n\nFact, Affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.\n\nFact, Affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt.\n\nFact, Affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any Fact, Affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.\n\nFact, Affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.\n\nFact, affiant is aware 15 usc 1692i Authorization of Actions that you in are fact a debt buyer have no legal action you can take especially knowing your buying alleged bad debt you do not have the rights to collect attempts or take legal action. \nFact affiant Is aware and has proof buying debt violates 15 usc 6801 protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic per- sonal information. \n( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards.\n\nFact affiant is aware of violations towards 15 usc 6803 disclosure of institution privacy policy disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution. \nFact affiant is aware of violations","date_sent_to_company":"2025-12-24T16:24:50.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"33351","tags":null,"has_narrative":true,"complaint_id":"18273604","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Adjusters, LLC","date_received":"2025-12-24T16:11:14.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["The arbitration provision shall survive any voluntary payment of Claimant 's claim <em>against</em> Respondent, in full, or any bankruptcy by Respondent. \nThis is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct <em>yourself</em> accordingly."],"sub_issue":["Debt was result of <em>identity</em> <em>theft</em>"]},"sort":[7.303854,"18273604"]},{"_index":"complaint-public-v1","_id":"17008191","_score":6.264146,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am FILING on my own behalf for this Dispute at hand.This Dispute was never investigated by cfpb. EQUIFAX, AND XXXX XXXX XXXX  HAVE NOT CONDUCTED THOROUGH INTERNAL INVESTIGATIONS OF DISPUTES THAT I HAVE FILED. ALL EVIDENCE IS INCLUDED IN THIS DISPUTE THAT PROVES CORRUPTION ON BEHALF OF ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS EXPERIAN, TRANSUNION, AND EQUIFAX!! ! XXXX MY SCORES NEED TO BE RECALCULATED BY ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS XXXX EQUIFAX, AND XXXX IMMEDIATELY!! ! XXXX XXXXXXXX XXXX XXXX XXXX XXXX  NOT CAPABLE OF CONDUCTING THOROUGH INTERNAL INVESTIGATIONS OF DISPUTES, PRACTING XXXX XXXX  ACTIVITIES ON THE MASSES WITH XXXX XXXX XXXX PERSUING UNHAPPINESS AND STRUGGLE. YOU WILL BE STRUCT DOWN LIKE THE XXXX XXXX XXXX  YOU ARE WITH THE SWIFTNESS OF THE XXXX. ALL THREE ENTITIES INVOLVED THEMSELVES IN ( CONSPRIRACY ) 18 USC Section 241 ( CONSPIRACY )!!! 369 The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies ( CRAs ). \nYou can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information.\n\nWho is Covered by the FCRA Consumer Reporting Agencies ( CRAs ) : Companies like the three major credit bureaus ( Equifax, Experian, and TransUnion ) that compile and sell consumer reports to Users of Consumer Reports : Entities like creditors, lenders, employers, and landlords who use consumer reports for decisions about credit, employment, insurance, and more.\n\nYou can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. \nXXXX XXXX  AND EQUIFAX REMOVED MY XXXX XXXX XXXX  ACCOUNT # XXXX WITHOUT PERMISSION, TO DO DETRIMENTAL HARM TO MY CREDIT SCORES, AND CONSPIRING WITH XXXX  AND EQUIFAX TO DO THE SAME WHICH IS A VIOLATION OF 18 USC Section 241 ( CONSPIRACY )!! ! 369 18 U.S. Code Section 241, titled \" Conspiracy Against Rights, '' makes it a federal crime for two or more people to conspire to harm, threaten, or intimidate someone in the exercise or enjoyment of rights secured by the Constitution or laws of the United States. This includes actions taken to prevent someone from exercising a right or because they have exercised one. Penalties for violations can include significant fines or imprisonment, with more severe consequences if certain serious crimes like kidnapping or attempted murder occur as a result of the conspiracy. Key Aspects of Section 241 Conspiracy : The law focuses on an agreement or plan between two or more individuals. Targeted Rights : The conspiracy must be against rights secured by the U.S. Constitution or federal laws. Intent : The perpetrators must intend to injure, threaten, or intimidate a person in the exercise of these rights. Scope : It prohibits actions that hinder a person from exercising a right, or punish them for having done so. Consequences : Violations can lead to significant fines or imprisonment, with increased penalties for offenses involving kidnapping, aggravated XXXX abuse, or attempted murder. How it Differs from Section 242 It's important to distinguish Section 241 from Section 242. While Section 241 addresses conspiracies against rights, Section 242 targets individuals who, acting \" under color of law '' ( meaning with the authority of a government official ), willfully deprive a person of their rights. The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of personal information in the files of credit reporting agencies ( CRAs ). It establishes consumer rights to access and dispute information in their credit reports, limits the entities that can access this information, and mandates procedures for how CRAs and the users of their information must operate. Key rights include the ability to obtain free credit reports annually, receive adverse action notices, dispute inaccuracies, and place fraud alerts on your credit file. Key Provisions & Consumer Rights Access to Your Credit Report : You are entitled to a free copy of your credit report from each of the three major CRAs XXXX XXXX XXXX, and Equifax ) once every 12 months. Adverse Action Notices : If you are denied credit, employment, or other services based on information in your credit report, you must be notified and informed of the specific CRA that supplied the report. Dispute Inaccuracies : You have the right to dispute any inaccurate, incomplete, or outdated information in your credit report and have the CRA investigate and correct it. \n\n\nExperian has been accused of improperly reinserting previously deleted or disputed information back onto consumer credit reports, often under a different furnisher 's name, without proper investigation or verification. \n\nOver-reliance on furnishers : The Consumer Financial Protection Bureau ( CFPB ) has stated that Experian often over-relies on furnishers ' responses to disputes, even when Experian possesses information that contradicts the furnisher 's claims or when the furnisher is known to be unreliable. \n\nFailure to investigate disputes thoroughly : The CFPB has also alleged that Experian 's dispute investigation process is inadequate, failing to properly consider consumer-provided documentation and other information that contradicts the furnisher 's claims. \n\n\" Sham investigations '' : The CFPB has specifically accused Experian of conducting \" sham investigations '' where they give the appearance of investigating disputes without actually conducting a thorough and impartial review of the information, according to the CFPB.\n\nMixing consumer files : Experian has also been accused of mixing consumer files, leading to incorrect information being reported on a consumer 's credit report, as seen in theSteelman v. Experian case.\n\nImpact on consumers : These inaccurate reports can lead to denial of loans, higher interest rates, and other negative consequences for consumers. \n\nChristian Peyton v. Experian. Plaintiff discharged his XXXX XXXXXXXX bankruptcy in XX/XX/XXXX. Despite the bankruptcy being discharged, Experian failed to report the discharge date. Plaintiff disputed to Experian but Experian verified the inaccurate information as correct.\n\nNikolas v. Experian. N.D. C.A. The Plaintiff has an inaccurate account reporting on her Experian credit report. The Plaintiff has never had an Affirm account listed on the Experian credit report. The Plaintiff disputed with Experian several times, but the account continued to be verified. As a result of this accounts reporting, Plaintiffs mortgage loan application was put on hold.\n\nThe Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection, dissemination, and use of consumer credit information to promote the accuracy, fairness, and privacy of consumer reports. It grants consumers rights, such as accessing their credit reports, disputing errors, and placing fraud alerts or security freezes on their files, while also imposing responsibilities on furnishers of information and users of credit reports. \n\n\nInactive modal US Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX a new complaint All complaints XXXX complaint Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Problem with a company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT THIS DISPUTE WAS NEVER ABOUT IDENTITY THEFT, IT WAS ABOUT CORRECTION OF MY CREDIT SCORES WITH ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS : [ CFPB, XXXX XXXX, AND EQUIFAX ] AND CORRUPTION THAT CFPB, EQUIFAX, XXXX XXXX XXXX  TOOK PART IN, ALSO DOING DETRIMENTAL HARM TO MY CREDIT REPORTING SCORES. I SUBMITTED ALL THE EVIDENCE TO PROVE MY DISPUTE, IF REAL THOROUGH INTERNAL INVESTIGATIONS ARE CONDUCTED BY ALL ENTITIES INVOLVED!! ! XXXX I ASK FOR A RECALCULATION OF MY CREDIT SCORES IMMEDIATELY ALONG WITH THOROUGH TRANSPARENCY AND UPDATION OF CORRECT SCORES IMMEDIATELY!! ! XXXX NON-COMPLIANCE CFPB NON-COMPLIANCE XXXX  NON-COMPLIANCE EQUIFAX NON-COMPLIANCE XXXXXXXX  CFPB AND ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS XXXX XXXX  AND EQUIFAX NEVER CONDUCTED THOROUGH INTERNAL INVESTIGATIONS INTO THIS MATTER AT HAND OF CORRECTING MY CREDIT SCORES ON ALL CREDIT REPORTING WITH EQUIFAXXXXX XXXX XXXX XXXX ! XXXX UNDER THE FAIR CREDIT REPORTING ACT IT STATES THAT THESE FACTIOUS ENTITIES SELL, CONSPIRE TO DO DETRIMENTAL HARM TO MINORITIES OF ALL COLORS WITHOUT PERMISSION OF THE CONSUMER. I HAVE A DISPUTE WHICH I ATTACHED SHOWS THAT CFPB AND ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS EXPERIAN, TRANSUNION, AND EQUIFAX FAILED HORRIBLY TO DO IT'S DUE DILIGENCE OF CONDUCTING FAIR THOROUGH INTERNAL INVESTIGATIONS OF ALL THREE BUREAUS EXPERIAN, TRANSUNION, AND EQUIFAX!!! XXXX The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies ( CRAs ). You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. Who is Covered by the FCRA Consumer Reporting Agencies ( CRAs ) : Companies like the three major credit bureaus ( Equifax, Experian, and TransUnion ) that compile and sell consumer reports to Users of Consumer Reports : Entities like creditors, lenders, employers, and landlords who use consumer reports for decisions about credit, employment, insurance, and more. You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. 18 U.S. Code 241 - Conspiracy against rights U.S. Code Notes Authorities ( CFR ) prev | next If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same ; or If two or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than ten years, or both ; and if death results from the acts committed in violation of this section or if such acts include kidnapping or an attempt to kidnap, aggravated XXXX abuse or an attempt to commit aggravated XXXX abuse, or an attempt to kill, they shall be fined under this title or imprisoned for any term of years or for life, or both, or XXXX be sentenced to death. Inactive modal XXXX Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX a new complaint All complaints XXXX complaint Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Unable to get your credit report or credit score We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT TRANSUNION AND EXPERIAN HAVE DONE A GRAVE INJUSTICE TO ME The Executor of The Estate of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. HOW CAN THESE XXXX FACTIOUS ENTITY 'S DROP MY CREDIT SCORES FOR NOT XXXX, BUT XXXX CHARGEOFF 'S THAT I DISPUTED, HAD TO BE REMOVED. BY XXXX XXXX MY SCORES SHOULD HAVE INCREASED, BUT THESE XXXX XXXX ENTITY 'S REFUSE TO CORRECT MY SCORES. XXXX XXXX XXXX  DROPPED MY SCORES FOR XXXX CHARGEOFF 'S BEING REMOVED AND {$29.00} BEING USED ON A {$1600.00} CREDIT CARD, UNDER 10 % UTILIZATION OF CREDIT, BUT XXXX XXXX XXXX DROPPED MY SCORES!!! XXXX The Fair Credit Reporting Act ( FCRA ) is a crucial federal law that protects consumer rights related to credit reporting and personal information. Here 's a summary of its key aspects : XXXX. What the FCRA does XXXX XXXX and XXXX : Ensures that information in consumer reports is accurate and fair. Guards Privacy : Restricts who can access your credit reports and for what purposes. Provides XXXX Rights : Gives individuals access to their credit reports and the ability to dispute inaccuracies. 2. Who it covers The FCRA governs credit reporting agencies ( CRAs ), including the three major ones : Equifax , Experian, and TransUnion . It also applies to other entities that function as CRAs, such as private investigators, background check companies, and even college placement offices. 3. Key consumer rights Right to Know What's in Your File : Consumers can request and obtain all the information about them in a CRA 's files. Right to Dispute Inaccurate Information : If you find errors, you can dispute them, and the CRA must investigate and correct inaccuracies within a reasonable timeframe ( typically 30 days ). Right to Free Credit Reports : You are entitled to a free credit report from each nationwide CRA annually, according to MyCreditUnion.gov. Currently, they are offering free weekly reports through XXXX. Right to Notice of Adverse Action : If information in your credit report leads to a denial of credit, insurance, or employment, you must be notified and given the CRA 's contact information. Right to Restrict Affiliate Sharing : You can opt out of certain information sharing between affiliated companies. 4. Permissible purposes for accessing consumer reports Access to consumer reports is restricted to specific permissible purposes, including : Credit Decisions : Lenders use reports to assess creditworthiness. Employment Decisions : Employers need your written consent to access reports for employment purposes, according to XXXX XXXX. Insurance Underwriting : Insurance companies XXXX access reports for underwriting policies. Legitimate Business Need : In connection with transactions initiated by the consumer. XXXX. Obligations of data furnishers Businesses that provide information to CRAs ( data furnishers ) also have responsibilities under the FCRA : Accuracy and Completeness : Must ensure the information they provide is accurate and complete. Investigate Disputes : Required to investigate disputes received from CRAs about the accuracy of information they provided. Correct or Delete Inaccurate Information : Must promptly provide accurate information to the CRA and correct or delete information found to be inaccurate. XXXX. Penalties for violations Violating the FCRA can lead to legal consequences, including : Actual Damages : Compensation for provable harm caused by a violation. Statutory Damages : Damages ranging from {$100.00} to {$1000.00}, without needing proof of actual harm. Punitive Damages : Awarded to punish violators and deter future misconduct. Attorney 's Fees and Court Costs : If you win your case, these can be covered. The FCRA is a powerful tool for consumers to protect their financial well-being and privacy. Understanding your rights and the obligations of CRAs and data furnishers is crucial in navigating the world of credit and consumer reports. Removal of Accurate Charge-offs : A legitimate charge-off will be removed from your credit report after XXXX years. When it's removed, your credit score should improve. Removal of Inaccurate Charge-offs : If a charge-off is inaccurate, you can dispute it with the credit bureaus. If the charge-off is found to be inaccurate or unverifiable, it will be removed, and your score should improve. Attachments XXXX XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX Karma.jpg ( XXXX KB ) View full complaint Sent to company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. Company still working XXXX XXXX response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. COMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We will review your complaint and act accordingly. Once the review is complete, a final response will be forwarded to you to view. For additional assistance, you XXXX call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you XXXX visit : http : //www.experian.com/blogs/ask-experian. Please note that you XXXX also submit your request or documents supporting your claim electronically at www.experian.com/upload. You XXXX also visit XXXX dispute center by visitingwww.experian.com/dispute. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer disputes swiftly and to take each one seriously. We appreciate you letting us know about your experience with Experian. Potential fraud XXXX XXXX responded there XXXX be potential fraud involved on XX/XX/XXXX We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. What do I do? You can contact the company directly for more information. If you have been the victim of a scam, you are not alone. There are resources available to help you. XXXX XXXX XXXXXXXX XXXX set up the XXXX XXXX XXXX XXXX to assist consumers with fraud. You can call them at XXXX or visit www.fraud.org. If the scam was Internet-based, you can review information about Internet-based scams and file an online report at IC3.gov. The Internet Crime Complaint Center is a partnership between the Federal Bureau of Investigation and the XXXX XXXX XXXX XXXX XXXX. You can also use the following government agency websites to get information on fraud, safety, and identify theft : Scams and frauds at XXXX XXXX and safety at FBI.gov Consumer information at FTC.gov Privacy Act Statement XXXX # XXXX Note on user experience Have a question? XXXX? ( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Monday through Friday ( except federal holidays ). More than XXXX languages available. XXXX Flag An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail Attachments XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) View full complaint Sent to company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany still working XXXX XXXX response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. \n\nCOMPANY 'S INTERIM RESPONSE We received your complaint about the items in your credit report, and apologize for any difficulty you XXXX have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( XXXX ) days from the date you submitted your request. \nCompany responded XXXX XXXX responded on XX/XX/XXXX Response type Closed with explanation XXXX 's Response We have reviewed your complaint along with any additional information you provided regarding this issue. The complaint concerns a credit report belonging to someone other than yourself. In order to process the complaint, a letter was sent to both you and the subject consumer via mail requesting that you provide TransUnion with proof of XXXX of Attorney that authorizes you to obtain the credit information of the subject consumer by XX/XX/XXXX. At this time we have not received the requested documentation, therefore the attempt to obtain XXXX of Attorney was unsuccessful. Without any legally binding document, TransUnion can not take further action on the complaint. \nXXXX requested XXXX XXXX requested on XX/XX/XXXX Feedback due XX/XX/XXXX Provide feedback about the companys response We welcome your feedback on how the company responded to your complaint. You will have 60 days from when the company responded to share your feedback. The CFPB will share your feedback responses with the company and use the information to help the CFPBs work with consumer complaints. \n\nSubmit your feedback Closed The CFPB has closed your complaint. \nPrivacy XXXX XXXX XXXX # XXXX Note on user experience Have a question? XXXX? \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Monday through Friday ( except federal holidays ). \nMore than 180 languages available.\n\nUS Flag An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail","date_sent_to_company":"2025-11-04T22:06:30.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"17008191","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-04T22:06:03.000Z","state":"LA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Code 241 - Conspiracy <em>against</em> rights U.S."]},"sort":[6.264146,"17008191"]},{"_index":"complaint-public-v1","_id":"17014458","_score":6.261541,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am FILING on my own behalf for this Dispute at hand.This Dispute was never investigated by cfpb. XXXX AND EXPERIAN, AND XXXX HAVE NOT CONDUCTED THOROUGH INTERNAL INVESTIGATIONS OF DISPUTES THAT I HAVE FILED. ALL EVIDENCE IS INCLUDED IN THIS DISPUTE THAT PROVES CORRUPTION ON BEHALF OF ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS EXPERIAN, XXXX  AND EQUIFAX!! ! XXXX MY SCORES NEED TO BE RECALCULATED BY ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS XXXX, EQUIFAX, ANXXXX XXXX  IMMEDIATELY!! ! XXXX XXXX XXXX XXXX XXXX XXXX NOT CAPABLE OF CONDUCTING THOROUGH INTERNAL INVESTIGATIONS OF DISPUTES, PRACTING XXXX XXXX ACTIVITIES ON THE MASSES WITH XXXX XXXX XXXX PERSUING UNHAPPINESS AND STRUGGLE. YOU WILL BE STRUCT DOWN LIKE THE XXXX AND XXXX YOU ARE WITH THE SWIFTNESS OF THE XXXX. ALL THREE ENTITIES INVOLVED THEMSELVES IN ( CONSPRIRACY ) 18 USC Section 241 ( CONSPIRACY )!!! 369 The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies ( CRAs ).\n\nYou can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information.\n\nWho is Covered by the FCRA Consumer Reporting Agencies ( CRAs ) : Companies like the three major credit bureaus ( XXXX Experian, and TXXXX  ) that compile and sell consumer reports to Users of Consumer Reports : Entities like creditors, lenders, employers, and landlords who use consumer reports for decisions about credit, employment, insurance, and more. \nYou can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. \nXXXX EXPERIAN, AXXXX XXXX XXXXEMOVED MY XXXX CREDIT CARD ACCOUNT # XXXX WITHOUT PERMISSION, TO DO DETRIMENTAL HARM TO MY CREDIT SCORES, AND CONSPIRING WITH EXPERIAN ANXXXX XXXX XXXX XXXXXXXX THE SAME WHICH IS A VIOLATION OF 18 USC Section 241 ( CONSPIRACY )!! ! 369 18 U.S. Code Section 241, titled \" Conspiracy Against Rights, '' makes it a federal crime for two or more people to conspire to harm, threaten, or intimidate someone in the exercise or enjoyment of rights secured by the Constitution or laws of the United States. This includes actions taken to prevent someone from exercising a right or because they have exercised XXXX. Penalties for violations can include significant fines or imprisonment, with more severe consequences if certain serious crimes like kidnapping or attempted murder occur as a result of the conspiracy. Key Aspects of Section XXXX Conspiracy : The law focuses on an agreement or plan between XXXX or more individuals. Targeted Rights : The conspiracy must be against rights secured by the XXXX XXXX or federal laws. Intent : The perpetrators must intend to injure, threaten, or intimidate a person in the exercise of these rights. Scope : It prohibits actions that hinder a person from exercising a right, or punish them for having done so. Consequences : Violations can lead to significant fines or imprisonment, with increased penalties for offenses involving kidnapping, aggravated XXXX abuse, or attempted murder. How it Differs from Section XXXX It's important to distinguish Section XXXX from Section XXXX. While Section XXXX addresses conspiracies against rights, Section XXXX targets individuals who, acting \" under XXXX of law '' ( meaning with the authority of a government official ), willfully deprive a person of their rights. The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of personal information in the files of credit reporting agencies ( CRAs ). It establishes consumer rights to access and dispute information in their credit reports, limits the entities that can access this information, and mandates procedures for how CRAs and the users of their information must operate. Key rights include the ability to obtain free credit reports annually, receive adverse action notices, dispute inaccuracies, and place fraud alerts on your credit file. Key Provisions & Consumer Rights Access to Your Credit Report : You are entitled to a free copy of your credit report from each of the XXXX major CRAs ( Experian, XXXX XXXX XXXX XXXX XXXXnce every 12 months. Adverse Action Notices : If you are denied credit, employment, or other services based on information in your credit report, you must be notified and informed of the specific CRA that supplied the report. Dispute Inaccuracies : You have the right to dispute any inaccurate, incomplete, or outdated information in your credit report and have the CRA investigate and correct it. \n\n\nExperian has been accused of improperly reinserting previously deleted or disputed information back onto consumer credit reports, often under a different furnisher 's name, without proper investigation or verification. \n\nOver-reliance on furnishers : The Consumer Financial Protection Bureau ( CFPB ) has stated that Experian often over-relies on furnishers ' responses to disputes, even when Experian possesses information that contradicts the furnisher 's claims or when the furnisher is known to be unreliable. \n\nFailure to investigate disputes thoroughly : The CFPB has also alleged that Experian 's dispute investigation process is inadequate, failing to properly consider consumer-provided documentation and other information that contradicts the furnisher 's claims. \n\n\" Sham investigations '' : The CFPB has specifically accused Experian of conducting \" sham investigations '' where they give the appearance of investigating disputes without actually conducting a thorough and impartial review of the information, according to the CFPB. \n\nMixing consumer files : Experian has also been accused of mixing consumer files, leading to incorrect information being reported on a consumer 's credit report, as seen in XXXX v. Experian case. \n\nImpact on consumers : These inaccurate reports can lead to denial of loans, higher interest rates, and other negative consequences for consumers. \n\nXXXX XXXX v. Experian. XXXX XXXX his Chapter XXXX bankruptcy in XX/XX/XXXX. Despite the bankruptcy being XXXX, Experian failed to report the discharge date. Plaintiff disputed to Experian but Experian verified the inaccurate information as correct. \n\nXXXX v. Experian. XXXX XXXX. The XXXX has an inaccurate account reporting on her Experian credit report. The XXXX has never had an XXXX account listed on the Experian credit report. The XXXX disputed with Experian several times, but the account continued to be verified. As a result of this accounts reporting, Plaintiffs mortgage loan application was put on hold. \nThe Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection, dissemination, and use of consumer credit information to promote the accuracy, fairness, and privacy of consumer reports. It grants consumers rights, such as accessing their credit reports, disputing errors, and placing fraud alerts or security freezes on their files, while also imposing responsibilities on furnishers of information and users of credit reports. \n\n\nInactive modal XXXX Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX a new complaint All complaints XXXX complaint Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Problem with a company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT THIS DISPUTE WAS NEVER ABOUT IDENTITY THEFT, IT WAS ABOUT CORRECTION OF MY CREDIT SCORES WITH ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS : [ CFPB, EXPERIAN, XXXX XXXX XXXX XXXX AND CORRUPTION THAT CFPB, XXXX EXPERIAN, AND XXXX TOOK PART IN, ALSO DOING DETRIMENTAL HARM TO MY CREDIT REPORTING SCORES. I SUBMITTED ALL THE EVIDENCE TO PROVE MY DISPUTE, IF REAL THOROUGH INTERNAL INVESTIGATIONS ARE CONDUCTED BY ALL ENTITIES INVOLVED!! ! XXXX I ASK FOR A RECALCULATION OF MY CREDIT SCORES IMMEDIATELY ALONG WITH THOROUGH TRANSPARENCY AND UPDATION OF CORRECT SCORES IMMEDIATELY!! ! XXXX NON-COMPLIANCE CFPB NON-COMPLIANCE TXXXX  NON-COMPLIANCE XXXX NON-COMPLIANCE EXPERIAN CFPB AND ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS EXPERIAN, XXXX XXXX XXXX  NEVER CONDUCTED THOROUGH INTERNAL INVESTIGATIONS INTO THIS MATTER AT HAND OF CORRECTING MY CREDIT SCORES ON ALL CREDIT REPORTING WITH XXXX XXXX  AND EXPERIAN!! ! XXXX UNDER THE FAIR CREDIT REPORTING ACT IT STATES THAT THESE FACTIOUS ENTITIES SELL, CONSPIRE TO DO DETRIMENTAL HARM TO MINORITIES OF ALL COLORS WITHOUT PERMISSION OF THE CONSUMER. I HAVE A DISPUTE WHICH I ATTACHED SHOWS THAT CFPB AND ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS EXPERIAN, XXXX XXXX XXXX FAILED HORRIBLY TO DO IT'S DUE DILIGENCE OF CONDUCTING FAIR THOROUGH INTERNAL INVESTIGATIONS OF ALL THREE BUREAUS EXPERIAN, XXXX XXXX XXXX XXXX XXXXhe Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies ( CRAs ). You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. Who is Covered by the FCRA XXXX XXXX XXXX ( CRAs ) : Companies like the XXXX major credit bureaus ( XXXX, Experian, and XXXX  ) that compile and sell consumer reports to Users of Consumer Reports : Entities like creditors, lenders, employers, and landlords who use consumer reports for decisions about credit, employment, insurance, and more. You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. 18 U.S. Code 241 - Conspiracy against rights U.S. Code Notes Authorities ( CFR ) prev | next If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, XXXX, Possession, or XXXX in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same ; or If XXXX or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than XXXX years, or both ; and if death results from the acts committed in violation of this section or if such acts include kidnapping or an attempt to kidnap, aggravated XXXX abuse or an attempt to commit aggravated XXXX abuse, or an attempt to kill, they shall be fined under this title or imprisoned for any term of years or for life, or both, or XXXX be sentenced to death. Inactive modal XXXX Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX a new complaint All complaints XXXX complaint Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Unable to get your credit report or XXXX XXXX We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINXXXX XXXX XXXXD EXPERIAN HAVE DONE A GRAVE INJUSTICE TO ME The Executor of The Estate of XXXX XXXX XXXX and [ The XXXX Clan ]. HOW CAN THESE XXXX FACTIOUS ENTITY 'S DROP MY CREDIT SCORES FOR NOT XXXX, BUT XXXX CHARGEOFF 'S THAT I DISPUTED, HAD TO BE REMOVED. BY XXXX XXXX MY SCORES SHOULD HAVE INCREASED, BUT THESE XXXX XXXX ENTITY 'S REFUSE TO CORRECT MY SCORES. XXXX XXXXD EXPERIAN DROPPED MY SCORES FOR XXXX CHARGEOFF 'S BEING REMOVED AND {$29.00} BEING USED ON A {$1600.00} CREDIT CARD, UNDER 10 % UTILIZATION OF CREDIT, BUT XXXX  AND EXPERIAN DROPPED MY SCORES!!! XXXX The Fair Credit Reporting Act ( FCRA ) is a crucial federal law that protects consumer rights related to credit reporting and personal information. Here 's a summary of its key aspects : XXXX. What the FCRA does XXXX XXXX and XXXX : Ensures that information in consumer reports is accurate and fair. Guards Privacy : Restricts who can access your credit reports and for what purposes. Provides XXXX Rights : Gives individuals access to their credit reports and the ability to dispute inaccuracies. XXXX Who it covers The FCRA XXXX credit reporting agencies ( CRAs ), including the XXXX major ones : XXXX  XXXX Experian, and XXXX XXXX It also applies to other entities that function as CRAs, such as private investigators, background check companies, and even college placement offices. XXXX. Key consumer rights Right to Know What's in Your File : Consumers can request and obtain all the information about them in a CRA 's files. Right to Dispute Inaccurate Information : If you find errors, you can dispute them, and the CRA must investigate and correct inaccuracies within a reasonable timeframe ( typically 30 days ). Right to XXXX XXXX Reports : You are entitled to a free credit report from each nationwide CRA annually, according to XXXX. Currently, they are offering free weekly reports through XXXX. Right to Notice XXXX XXXX XXXX : If information in your credit report leads to a denial of credit, insurance, or employment, you must be notified and given the CRA 's contact information. Right to Restrict Affiliate Sharing : You can opt out of certain information sharing between affiliated companies. XXXX. Permissible purposes for accessing consumer reports XXXX to consumer reports is restricted to specific permissible purposes, including : Credit Decisions : Lenders use reports to assess creditworthiness. Employment Decisions : Employers need your written consent to access reports for employment purposes, according to XXXX XXXX. Insurance Underwriting : Insurance companies XXXX access reports for underwriting policies. Legitimate Business Need : In connection with transactions initiated by the consumer. XXXX. Obligations of data furnishers Businesses that provide information to CRAs ( data furnishers ) also have responsibilities under the FCRA : Accuracy and Completeness : Must ensure the information they provide is accurate and complete. Investigate Disputes : Required to investigate disputes received from CRAs about the accuracy of information they provided. Correct or Delete Inaccurate Information : Must promptly provide accurate information to the CRA and correct or delete information found to be inaccurate. XXXX. Penalties for violations Violating the FCRA can lead to legal consequences, including : Actual Damages : Compensation for provable harm caused by a violation. Statutory Damages : Damages ranging from {$100.00} to {$1000.00}, without needing proof of actual harm. Punitive Damages : Awarded to punish violators and deter future misconduct. Attorney 's Fees and Court Costs : If you win your case, these can be covered. The FCRA is a powerful tool for consumers to protect their financial well-being and privacy. Understanding your rights and the obligations of CRAs and data furnishers is crucial in navigating the world of credit and consumer reports. Removal of Accurate Charge-offs : A legitimate charge-off will be removed from your credit report after XXXX years. When it's removed, your XXXX XXXX should improve. Removal of Inaccurate Charge-offs : If a charge-off is inaccurate, you can dispute it with the credit bureaus. If the charge-off is found to be inaccurate or unverifiable, it will be removed, and your score should improve. Attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  View full complaint Sent to company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. Company still working XXXX XXXX response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. COMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We will review your complaint and act accordingly. Once the review is complete, a final response will be forwarded to you to view. For additional assistance, you XXXX call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you XXXX visit : http : //www.experian.com/blogs/ask-experian. Please note that you XXXX also submit your request or documents supporting your claim electronically at www.experian.com/upload. You XXXX also visit XXXX dispute center by visitingwww.experian.com/dispute. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer disputes swiftly and to take each one seriously. We appreciate you letting us know about your experience with Experian. Potential fraud XXXX XXXX responded there XXXX be potential fraud involved on XX/XX/XXXX We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you XXXX have been a victim of fraud. What do I do? You can contact the company directly for more information. If you have been the victim of a scam, you are not alone. There are resources available to help you. The XXXX XXXX XXXX set up the XXXX XXXX XXXX XXXX to assist consumers with fraud. You can call them at XXXX or visit www.fraud.org. If the scam was Internet-based, you can review information about Internet-based scams and file an online report at XXXX. The XXXX XXXX XXXX XXXX is a partnership between the Federal Bureau of Investigation and the XXXX XXXX XXXX XXXX XXXX. You can also use the following government agency websites to get information on fraud, safety, and identify theft : Scams and frauds at XXXX XXXX and safety at XXXX XXXX XXXX at XXXX Privacy Act Statement XXXX # XXXX Note on user experience Have a question? XXXX? ( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXX XXXX a.m. to XXXX p.m. XXXX, Monday through Friday ( except federal holidays ). More than XXXX languages available. XXXX Flag An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail Attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXXXXXX XXXX  ) View full complaint Sent to company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany still working XXXX XXXX response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. \n\nCOMPANY 'S INTERIM RESPONSE We received your complaint about the items in your credit report, and apologize for any difficulty you XXXX have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( XXXX ) days from the date you submitted your request. \nCompany responded XXXX XXXX responded on XX/XX/XXXX Response type Closed with explanation XXXX 's Response We have reviewed your complaint along with any additional information you provided regarding this issue. The complaint concerns a credit report belonging to someone other than yourself. In order to process the complaint, a letter was sent to both you and the subject consumer via mail requesting that you provide XXXX  with proof of XXXX of Attorney that authorizes you to obtain the credit information of the subject consumer by XX/XX/XXXX. At this time we have not received the requested documentation, therefore the attempt to obtain XXXX of Attorney was unsuccessful. Without any legally binding document, XXXX  can not take further action on the complaint. \nXXXX requested XXXX XXXX requested on XX/XX/XXXX Feedback due XX/XX/XXXX Provide feedback about the companys response We welcome your feedback on how the company responded to your complaint. You will have 60 days from when the company responded to share your feedback. The CFPB will share your feedback responses with the company and use the information to help the CFPBs work with consumer complaints. \n\nSubmit your feedback Closed The CFPB has closed your complaint. \nPrivacy XXXX XXXX XXXX # XXXX Note on user experience Have a question? XXXX? \n( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Monday through Friday ( except federal holidays ). \nMore than XXXX languages available. \nXXXX Flag An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail","date_sent_to_company":"2025-11-04T22:06:30.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"17014458","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-04T22:06:03.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Code 241 - Conspiracy <em>against</em> rights U.S."]},"sort":[6.261541,"17014458"]},{"_index":"complaint-public-v1","_id":"8395694","_score":5.2649984,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"XXXX of XXXX Explore Credit Support Inbox XXXX XXXX XXXX Attachments XXXX ( XXXX minutes ago ) to Helpdesk, me XXXX do not deduct anything ever from my XXXX XXXX XXXX account XXXX XXXX XXXX for sure delete the {$97.00} first payment on this loan XXXX XXXX XXXX this friday XXXX do not deduct if we do we will have to bring in the Consumer Financial Protection Bureau to investigate myloans an all others there your choice.Write off the {$1100.00} as of today do not do these loans your competitors got fined $ XXXX and {$20.00} mil and I've called 5 times and you hung up blew me off and are stealing my interest illegal to charge 500 % I need verification nothing within dome out my account tomorrow or ever in the future XXXX XXXX XXXX {$97.00} is due on XX/XX/XXXX Your recurring payment is all set. \n\nView Loan Details Loan ID XXXX | Current as of XX/XX/XXXX Original Loan {$1000.00} Applied XX/XX/XXXX Original Term 13 months View Agreement # Payments XXXX View Schedule Payment Amount {$97.00} XXXX XXXX XXXX XXXX Payoff Amount {$1100.00} Pay Off Loan -- -- -- -- -- Forwarded message -- -- -- -- - From : Explore Credit XXXX Date : Wed, XX/XX/XXXX at XXXX Subject : Explore Credit Support To : XXXX XXXX Balance {$1100.00} Welcome, XXXX, you're enrolled in our Loyalty Program where you can earn exciting awards! \n{$97.00} is due on XX/XX/XXXX Your recurring payment is all set. \n\nView Loan Details Loan ID XXXX | Current as of XX/XX/XXXX Original Loan {$1000.00} Applied XX/XX/XXXX Original Term 13 months View Agreement # Payments XXXX View Schedule Payment Amount {$97.00} XXXX XXXX XXXX XXXX Payoff Amount {$1100.00} Pay Off Loan Make an Early Payment Pay your upcoming payment earlier than scheduled. This will satisfy your upcoming scheduled payment, and we will not pull another payment until the next payment cycle. \n\nXXXX XXXX XXXX XXXX an XXXX XXXX XXXX payments will lower the overall balance due on your account. This payment will be applied to your account, and we will still continue to pull your scheduled upcoming payment as well. \n\nMake Extra Payment Pay Off Your Loan This option will satisfy your loan in full. \n\nAs of today, your loan payoff is {$1100.00} Pay Off Loan Payment Options Self service payment options available XXXX XXXX XXXX XXXX Account XXXX XXXX your info My Profile My XXXX XXXX XXXX Explore Credit XXXX XXXX, As discussed, please see the attached loan agreement. If you have questions, please call us. \n\nThanks Explore Credit XXXX XXXX, The Explore Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Call Us Today! \nXXXX Home Firm Overview Class Notices Attorneys Practice Areas Resources Blog Contact Us En XXXX XXXX XXXX PROTECTING THE RIGHTS OF CONSUMERS FOR OVER 25 YEARS XX/XX/XXXX | By XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Please contact us if you are in Illinois or Indiana and obtained a loan from WLCC XXXX XXXX XXXX Explore Credit. \nCategories : High interest loans Share To : XXXX XXXX NEXT POST Related Posts XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX as alleged assignee of XXXX Bank loan XX/XX/XXXX Accelerated Inventory Management attempting to collect XXXX loans XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contact XXXX XXXX Address XXXX XXXX XXXX XXXX Suite XXXX XXXX, IL XXXX Map & Directions Links Home Firm Overview Class Notices Attorneys Resources Contact Us En XXXX Follow Us The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. \nThis information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship. \nXXXX XXXX Rights XXXX. \n\nSite Map Privacy Policy Login EXPLORE CREDIT | Client Support Team Office : XXXX Email : XXXX Thank you so much for choosing Explore Credit as your loan provider. If you have any questions, please contact our representatives at XXXX XXXX AM EST XXXX PM EST ( Every Day ). \n\nExplore Credit XXXX Department, XXXX XXXX XXXX, XXXX, GA XXXX XXXX WLCC Lending JEM dba Explore Credit. All Rights Reserved Confidentiality Notice : This e-mail and any attachment ( XXXX ) are for the sole use of the intended recipient ( XXXX ) and XXXX be confidential and/or privileged. Any unauthorized use, disclosure or copying is strictly prohibited, and XXXX be unlawful. If you have received this communication in error, please immediately notify the sender by return e-mail, and delete the message. \n\nPrivacy Policy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Explore Credit Unsecured Personal Installment Loan by WLCC Lending JEM dba Explore Credit PLEASE TAKE A MOMENT TO REVIEW THIS LOAN AGREEMENT CAREFULLY. YOU WILL BE REQUIRED TO ELECTRONICALLY SIGN IT. YOU WILL ALSO ELECTRONICALLY SIGN THE PAYMENT CHOICE AUTHORIZATION. \n\nWe can not commit to make a loan to you unless your completed application is approved by our underwriting department, located on the XXXX 's Reservation. \n\n\n\nTRUTH IN LENDING DISCLOSURES ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. \n488.32 % FINANCE CHARGES The dollar amount the credit will cost you {$4000.00} AMOUNT FINANCED The amount of credit provided to you or on your behalf {$1000.00} TOTAL OF PAYMENTS The amount you will have paid after you have made all payments as scheduled. \n{$5000.00} Your Payment Schedule will be : Payment Amount of Payments When Payments Are Due XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Late Charge : If a payment is 7 days or more late, you XXXX be charged a late payment fee of {$25.00}. \n\nPrepayment : If you pay off early, you will not have to pay a penalty. \nSee this XXXX XXXX for any additional information about nonpayment, default, any required repayment in full before the scheduled date. \n\nAll numerical disclosures except the Late Charge are estimates ITEMIZATION OF AMOUNT FINANCED XXXX. Amount given directly to you : {$1000.00} ( the \" XXXX XXXX '' ) XXXX. XXXX XXXX paid on my loan account : {$0.00} XXXX. Equal Amount Financed : {$1000.00} SPECIAL NOTICES : THIS IS AN EXPENSIVE FORM OF BORROWING. \nYOU CAN SAVE FINANCE CHARGES BY PAYING OFF YOUR LOAN EARLY EITHER IN PART OR IN FULL. \nYOUR LOAN IS DESIGNED TO ASSIST YOU IN MEETING YOUR SHORT-TERM CASH NEEDS. IT IS NOT A SOLUTION FOR LONGER TERM FINANCIAL PROBLEMS. \nNON-PROFIT CREDIT COUNSELING SERVICES ARE AVAILABLE IN YOUR COMMUNITY FOR CONSUMERS EXPERIENCING FINANCIAL PROBLEMS. \n\n\n\n\n\n\n\nWLCC XXXX LOAN AGREEMENT Lender : Borrower : Name : WLCC XXXX XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX, GA XXXX XXXX b XXXX XXXX XXXX, XXXX CA XXXX Disbursement Date : XX/XX/XXXX Effective XXXX This is our Agreement with you regarding your loan. It contains important terms and conditions. You should read it carefully before you electronically sign it. \nIn this XXXX XXXX ( the \" XXXX '' ) the words \" you '' and \" your '' mean the borrower who has electronically signed it. The words \" XXXX '', \" we '', \" us '' and \" our '' mean WLCC XXXX XXXX. We are a sovereign enterprise, an economic development arm and instrumentality of, and wholly owned and controlled by, the XXXX XXXX XXXX ( the \" Community '' ), a political subdivision of the XXXX XXXX XXXX ( the \" Tribe '' ), a federally-recognized sovereign American XXXX Tribe. This means that your loan is provided by a sovereign government and the proceeds of our business fund governmental services for XXXX citizens. All disclosures in this Agreement are also terms and conditions of this XXXX. \n\nYou must electronically sign this XXXX XXXX and submit it to us with your application. We will then approve or deny your application. If we approve it, the proceeds of your loan will disbursed to you and this XXXX will be in full effect. \n\nVERIFICATION. We reserve the right to verify the accuracy of all information you provide and to deny your loan application in case of any inaccuracy or omission in your loan application, or any other violation of this XXXX. We reserve the right to verify any information you submit through the production of appropriate documentation, and also reserve the right to conduct such verification through a third party. You hereby authorize us to request and obtain data from a third party to verify any information you provide us in connection with your application. \n\nRIGHT TO CANCEL. You have the right to cancel this Agreement without cost within XXXX ( XXXX ) business days from the date we notify you that your application has been approved by XXXX. If you decide to cancel this Agreement you must send us your notice of cancellation by email to XXXX or by phone to XXXX no later than midnight XXXX time on the second business day after the Disbursement Date ( the \" Midnight Deadline '' ). You must also return all proceeds of your loan that you received by the Midnight Deadline. To return those amounts to us, your notice of cancellation must also include your authorization for us to use XXXX of the payment methods you selected on your Disbursement and Payment Choice. If we timely receive your written notice of cancellation on or before the Midnight Deadline but before the loan proceeds have been deposited into Your Bank Account, then we will not debit XXXX Bank Account and both your and our obligations under this Loan Agreement will be rescinded. However, if we timely receive your written notice of cancellation on or before the Midnight Deadline but after the loan proceeds have been deposited into Your Bank Account, then you authorize us to effect a debit to Your Bank Account or your debit card as you selected in your Disbursement and XXXX XXXX XXXX for the principal amount of this Loan Agreement. If we receive payment of the principal amount via thedebit by the Midnight Deadline, then both your and our obligations under this XXXX XXXX are immediately rescinded. If we do not receive payment of the principal amount by debit to Your Bank Account or your debit card, then this XXXX XXXX remains in fullforce and effect. \n\nTRUTH IN LENDING DISCLOSURES : The Truth-in-Lending Disclosures above are provided to you so that you XXXX compare the cost of this loan to other loan products you might obtain in the United States. Our inclusion of these disclosures does not mean that we or any subsequent holder of this XXXX consents to the application of state law to us, to the loan, or this XXXX. \n\nYOUR PROMISE TO PAY. You promise to pay to the order of Lender or any assignee of this Agreement from the Disbursement Date above the principal sum of {$1000.00} ( Principal ) plus interest ( and any applicable fees ) on the unpaid principal balance of the loan until the amount you owe under this Agreement is repaid in full ( the Loan ). You promise to repay this amount in installments in the amounts and on the dates set forth above in the Payment Schedule section of the XXXX XXXX in XXXX XXXX. You agree to make your payments using the method or methods you selected in your Disbursement and Payment Choice Authorization. \n\nYOUR INTEREST CHARGES. You agree to pay interest on the outstanding Principal at a rate of 495.00 % per annum ( the XXXX XXXX ) from the loan date until paid in full. To figure interest, we divide the XXXX XXXX by XXXX, which equals a daily rate of 1.36 % ( XXXX XXXX ). We then multiply the XXXX XXXX by the outstanding principal balance. This gives us a daily interest charge. We then multiply the daily interest charge by the number of days the principal balance is outstanding. Interest accrues from the Effective Date to the date your loan is paid in-full. Late payments made after the due date will result in additional interest charges. \n\nAPPLICATION OF PAYMENTS. We will apply all payment we receive in the following order : ( XXXX ) fees ; ( XXXX ) accrued and unpaid interest; and ( XXXX ) Principal. If you make an extra payment ( in addition to your regularly scheduled installment payment ) and you are not in default, we will apply the extra payment according to the order described in this section. \n\n\n\n\n\n\n\nESTIMATES. All numerical disclosures in the Truth-in-Lending Disclosures are estimates made assuming the Disbursement Date is the business day after your loan is approved. \n\nREPAYMENT SCHEDULE. You must repay this XXXX in payments according to the Payment Schedule set forth above in the XXXX XXXX XXXX. Your payment is made up of principal and interest repayments. The Truth-in-Lending Disclosures are calculated based on the assumption that you will make each payment on the date it is due. If any payment falls on a weekend, bank holiday or a day that your bank is not open, then such payment shall be due on the prior business day upon which your bank is open. \n\nPREPAYMENT. You XXXX prepay all or part of the amount that you owe under this XXXX at any time without having to pay a penalty. Since finance charges are not precomputed, you will not be entitled to a prepayment refund. To arrange to prepay your loan in whole or in part, you must go online at https : //login.explorecredit.com or call us at ( XXXX ) XXXX to alert us of your intention to make a prepayment and then follow our instructions. Partial prepayments will not change the amount or due date of your remaining payments until your Loan is paid in full. Instead, the prepaid principal will be deducted from the end of your payment schedule. A customer service representative can provide you with more detailed information based on your individual repayment history. \n\nDISBURSEMENT. If your XXXX is approved, we will disburse your loan proceeds within XXXX ( XXXX ) Business Days. A XXXX XXXX is a regular workday and does not include Saturday, Sunday or banking holidays or on that same day. You authorize us to use commercially reasonable efforts to initiate a credit entry by depositing the proceeds of your XXXX into the bank account or onto the payment instrument that you first authorized in your Disbursement and Payment Choice Authorization. The date that your loan proceeds are deposited to Your Bank Account or onto your payment instrument is the \" Effective Date '', which is set out above. Unavoidable delays such as bank holidays, the processing schedule of your individual bank, inadvertent processing errors, \" acts of XXXX '' or \" acts of terror '' XXXX extend the time for the deposit. \n\nDEFAULT : You will have broken your promise to pay in this loan agreement if : ( a ) you provide false or misleading information about yourself, your source of income, or your financial condition prior to entering into this loan agreement; or ( b ) if you fail to pay us a scheduled payment or any other amounts you owe us when due or your chosen payment method is stopped, denied or otherwise dishonored. \nCONSEQUENCES OF DEFAULT : Should you default on any of your obligations under this loan agreement, we XXXX, at our option, do any XXXX or more of the following : ( a ) we can choose to declare all principal, earned finance charges, and other amounts that you owe to us to be immediately due and payable in full ; ( b ) if you authorized debits from either your Bank Account or your debit card in your Disbursement and Payment Choice Authorization, you agree that, without further notice, we can debit your bank account or debit card, as applicable, for the full amount that you owe us ; ( c ) submit your name to a collection agency ; ( d ) report the incident to a consumer reporting agency database, which XXXX negatively impact your ability to receive loans or advances from other companies ; and ( XXXX ) pursue all legally available means to collect what you owe us. By choosing any XXXX or more of the above options, we do not waive our rights to use any alternative methods available to usto collectthe money you owe us. \n\nLATE PAYMENT FEE. If your payment is XXXX or more days late we XXXX charge you a late payment fee of {$25.00}. \n\nRETURNED PAYMENT CHARGE. If your payment method is stopped, denied or otherwise dishonored, then you XXXX be assessed a returned payment fee of {$25.00}. Your returned payment XXXX also cause your payment to be late which could result in you also having to pay a late charge. Your bank XXXX also charge you a fee. \n\nCONSUMER REPORTS. You authorize us to obtain consumer reports about you now or in the future as long as you owe us money under this XXXX. We XXXX use the consumer report for any purpose authorized by applicable law in connection with a credit transaction involving you and involving the extension of credit to you or review collection of your account, including but not limited to ( i ) for authentication purposes, to make sure you are who you say you are, ( ii ) to make credit decisions ; ( iii ) to determine how much debt you currently have, in order to determine your debt-to- income ratio, and ( iv ) to obtain information and characteristics from your credit report from XXXX or more consumer credit reporting agencies. We XXXX report information about your performance under this Agreement to credit reporting agencies. Late payments, missed payments and defaults XXXX be reported. This XXXX negatively impact your ability to receive loans or advances from other companies or to write checks. \n\nCREDIT DISPUTES ; IDENTITY THEFT. If you believe that any information about your loan that we have furnished to a consumer reporting agency is inaccurate, or if you believe that you have been the victim of identity theft in connection with any loan made by XXXX, write to us at PO XXXX XXXX, GA XXXX. In your letter ( i ) provide your name and loan number, ( ii ) identify the specific information that is being disputed, ( iii ) explain the basis for the dispute and ( iv ) provide any supporting documentation you have that substantiates the basis of the dispute. If You believe that you have been the victim of identity theft, you must submit an identity theft affidavit and a police report documenting the theft along with your letter to us so that we XXXX document your account as fraud. \n\nENTIRE AGREEMENT. This Agreement contains the entire agreement between you and XXXX relating to it. Any change to this Agreement must be in writing signed by us. No oral changes are binding. \n\nOTHER RIGHTS. We XXXX delay enforcing any of our rights without losing them. We can enforce this Agreement against your heirs and legal representatives. We XXXX assign this XXXX and our rights under it without notice to you and without your consent. \n\nASSIGNMENT. We XXXX assign or transfer this XXXX or any of our rights under this XXXX. \n\n\n\n\n\n\n\nATTORNEY FEES AND COLLECTION COSTS. If the XXXX is in default as described above, and we XXXX pursue collection efforts against you, subject to applicable law. You agree to pay all reasonable collection agency fees, court costs and other collection costs actually incurred by XXXX and our agents, successors and assigns in the collection of any amount you owe us. If we refer your XXXX to an attorney who is not our salaried employee for collection, you agree that we XXXX charge and collect from you reasonable attorney fees incurred by us. \n\nXXXX XXXX CLAUSE. Not withstanding any other provision herein, the aggregate interest rate of the XXXX ( including all charges or fees in connection with this XXXX that are deemed in the nature of interest under applicable law ) shall not exceed the highest lawful interest rate. If XXXX contracts for, charges, or receives any consideration which constitutes interest in excess of the highest lawful rate, then any such excess shall be cancelled automatically and, if previously paid, shall at such Lenders option be applied to the outstanding amount of the XXXX made hereunder or be refunded to you. \n\nGOVERNING LAW. This Agreement is governed by the laws of the XXXX XXXX XXXX of the XXXX XXXX Reservation ( \" Tribal Law '' ), a federally recognized XXXX Tribe and the XXXX Commerce Clause of the United States XXXX and XXXX XXXX XXXX, and the Arbitration Agreement below is additionally governed by the XXXX XXXX XXXX ( XXXX ) and the decisions of the United States Supreme Court interpreting the XXXX. We do not have a presence in South Dakota or any other State of the United States of America. Neither this XXXX nor the XXXX is subject to the laws of any State of the United States. You agree to be bound by XXXX XXXX and all applicable federal law and in the event of a bona fide dispute between you and XXXX, XXXX XXXX and applicable federal law shall exclusively apply to such dispute. \n\nSOVEREIGN IMMUNITY. This Agreement together with any related documents are being submitted by you to us as a sovereign enterprise, an economic development arm and instrumentality of the XXXX which shares in the governmental sovereign immunity of the XXXX. Because we and the XXXX are entitled to sovereign immunity, you will be limited as to what claims, if any, you XXXX be able to assert against us. To encourage resolution of consumer complaints, any complaint XXXX be submitted by you or on your behalf to arbitration as described below. \n\nPRESERVATION OF SOVEREIGN IMMUNITY It is the express intention of the Community and XXXX operating as an economic arm of the Community, to fully preserve, and not waive other than as expressly provided in this Agreement, our sovereign governmental immunity from suit, and any other rights, titles, privileges, and immunities, to which we or the Community are entitled. To protect and preserve the rights of the parties, no person XXXX assume a waiver of sovereign immunity. No waiver is or can be made except by express written declaration of the XXXX 's governing XXXX specifically authorizing a waiver for the matter in question. Except as pertaining to a single, potential arbitration between you, as an individual consumer, and XXXX, no such waiver has been made with respect to this XXXX, your Disbursement and XXXX XXXX XXXX or any other related document.","date_sent_to_company":"2024-02-22T16:14:41.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Payday loan","zip_code":"850XX","tags":"Older American","has_narrative":true,"complaint_id":"8395694","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WLCC","date_received":"2024-02-22T15:56:24.000Z","state":"AZ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["If You believe that you have been the victim of <em>identity</em> <em>theft</em>, you must submit an <em>identity</em> <em>theft</em> affidavit and a police report documenting the <em>theft</em> along with your letter to us so that we XXXX document your account as <em>fraud</em>. \n\nENTIRE AGREEMENT. This Agreement contains the entire agreement between you and XXXX relating to it. Any change to this Agreement must be in writing signed by us. No oral changes are binding. \n\nOTHER RIGHTS. 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