{"took":156,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":113,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"19650721","_score":15.481454,"_source":{"product":"Mortgage","complaint_what_happened":"I am disputing the loan servicing and lender administration for a California residential construction loan administered by XXXX XXXX XXXX ( lender/administrator ) and serviced by XXXX XXXX XXXX XXXX XXXX ). This complaint concerns documented servicing errors, payoff delay, coercive extension/waiver tactics, inconsistent draw administration, and failure to provide complete servicing documentation supporting disbursements, lien waiver collection, and itemized fees.\n\nKey facts and timeline : 1. Construction draw/inspection administration failures : Throughout the project, draw approvals relied on third-party inspection reports that contain repeated inconsistencies, minimal notes, and revised/updated draw reports after disputes were raised.\n\nDraw percentages and line items changed without owner approval and without supporting documentation being produced ( change orders, receipts, labor backup, unconditional lien waivers ). \nAfter I raised discrepancies, the lender/administrator shifted to reallocation and soft cost reimbursement activity, but the reallocations did not match what I submitted and line items were removed/added or reallocated without clear approval trail.\n\n2. Post-maturity inconsistency and selective enforcement : The lender/administrator represented that draws could not be released after the maturity date, yet a draw disbursement was made after maturity.\n\nLater, a revised draw amount was withheld while citing maturity/insurance in a selective and contradictory way.\n\n3. Payoff delay ( slow roll ) that inflated fees/interest and worsened default posture : A payoff was requested on XX/XX/year> and was not produced until XX/XX/XXXX ( approximately 22 days later ). \nThis delay materially harmed the borrower by inflating interest/fees and restricting the ability to refinance/resolve the loan. \n4. Coercive extension / broad release of liability : Extension processing was conditioned on signing documents containing broad waiver/release language.\n\nThe communications and documents presented the threat of default fees/foreclosure if the waiver was not signed, even while disputes were pending. This is coercive and indicates bad faith administration.\n\n5. Default notice while disputes and extension discussions were active : XXXX issued a written Notice of Maturity and Default dated XX/XX/XXXX demanding a payoff/cure amount by XX/XX/XXXX and threatening foreclosure consequences. \nMeanwhile, prior disputes remained unresolved and extension discussions had been ongoing. \n6. Formal Notice of Error and Request for Information : I submitted a formal Notice of Error and Request for Information under Regulation X ( 12 CFR 1024.35 and 12 CFR 1024.36 ).\n\nI requested : complete payment/servicing history ; certified itemization of all fees/interest ; identity of the current creditor/owner of the loan ; copies of note/security instrument/assignments ; and complete documentation supporting construction disbursements, inspections, and lien waiver collection.\n\nThe lender/administrator has responded with conclusory statements ( e.g., our response stands ) rather than producing the requested servicing documentation.\n\n7. Confidentiality / third-party forwarding concern : After I contacted XXXX, my correspondence was forwarded to additional third parties. I do not know the role of those parties. I am requesting confirmation of the current creditor/investor and all parties receiving my servicing information.\n\nRequested CFPB assistance : Please require the servicer/lender to provide a complete, document-supported response to the Notice of Error and Request for Information, correct any servicing errors, and halt adverse action while the dispute and Reg X investigation are pending .","date_sent_to_company":"2026-05-13T15:02:07.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"90620","tags":"Servicemember","has_narrative":true,"complaint_id":"19650721","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Park Place Finance, LLC","date_received":"2026-02-20T12:28:15.000Z","state":"CA","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["Formal Notice of Error and Request for <em>Information</em> : I submitted a formal Notice of Error and Request for <em>Information</em> under Regulation X ( 12 CFR 1024.35 and 12 CFR 1024.36 ).\n\nI requested : complete payment/servicing history ; certified itemization of all fees/interest ; identity of the current creditor/owner of the loan ; copies of note/<em>security</em> instrument/assignments ; and complete documentation supporting construction disbursements, inspections, and lien waiver <em>collection</em>."]},"sort":[15.481454,"19650721"]},{"_index":"complaint-public-v1","_id":"10832760","_score":13.76006,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Trasunion I am writing to request verification of the all collections charge offs and all negative and derogatory remarks and negative reports on my credit profile with your company XXXXXXXX Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request validation of these debts. This is not a refusal to pay, but a request for proof that these collection companies are legally entitled to collect these debts thats on my report as charge offs and collections. The cases cited in the letter provide a legal basis to support my right to verify the debt before making any payments associated with my Social Security Number XXXX After reviewing the legal basis for the collection companies claim, I wish to formally dispute the validity of all debts charge offs collection accounts negative remarks on my credit report and provide clarification regarding the obligations associated with my SSN.\n\nUnder 18 U.S.C. 8, the term obligation or other security of the United States includes any bond, certificate of indebtedness, national bank currency, Federal Reserve note, or other financial obligation issued by the United States. Furthermore, the Social Security Number is an identifier issued by the Social Security Administration ( SSA ) and remains the property of the United States. Any financial activity or credit transaction linked to this identifying number does not inherently transfer personal liability to me as a private individual but constitutes an obligation of the United States. \n\nAdditionally, 15 U.S.C. 3729 of the False Claims Act addresses fraudulent claims against the government. By asserting that this debt is personally attributable to me without adequate legal foundation or verification, you may inadvertently be implicating the federal government in an unauthorized claim. Any financial obligations tied to the use of a Social Security Number must be supported by explicit contractual evidence indicating personal liability, which I believe is absent in this case. \n\n\nIn XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court held that a debt collector is obligated to provide sufficient verification of the debt upon a consumers request. Therefore, I am requesting the following information : 1. Proof of Ownership : Please provide documentation proving that your agency legally owns or has been assigned this debt for collection.\n\n2. Account Informaqtion : A detailed accounting of the original balance, interest rates, fees, and payment history to demonstrate how the current amount was calculated. Courts, including in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have determined that consumers have the right to sufficient information to understand the nature and amount of the debt being collected. \nXXXX. Original Creditor Information : Details regarding the original creditor, as per the requirements set forth in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which requires debt XXXX to provide enough information to make the debt identifiable. \nXXXX. Proof of Authorization to Collect : Any documentation proving that you are authorized by the original creditor to collect on this account, if applicable. \n\nUnder FDCPA 1692g ( b ), I understand that collection activities must cease until verification of the debt has been provided. Continuing collection activities without verifying the debt may be considered a violation of the FDCPA, as held in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nPlease send the requested documentation to my address within 30 days. If you are unable to provide this information, please remove any record of this debt from my credit file and cease all collection efforts, as stipulated under the FDCPA. \n\nThank you for your attention to this matter. I look forward to receiving the requested verification documentation. Please remove all negative accounts all hard inquiries associated with my SSN that was also compromised in the XXXX XXXX data breach if you need further assistance in this matter i can be reached at the number or email I provided at the top of this letter. Also there is a FTC report two Ucc 1 filing statements highlighted inaccurate information on my credit that I also included. \n\n\nSincerely, XXXX","date_sent_to_company":"2024-11-17T19:14:14.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"10466","tags":null,"has_narrative":true,"complaint_id":"10832760","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-17T18:51:54.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["If you are unable to provide this <em>information</em>, please remove any record of this debt from my credit file and cease all <em>collection</em> efforts, as stipulated under the FDCPA. \n\nThank you for your attention to this matter. I look <em>forward</em> to receiving the requested verification documentation."]},"sort":[13.76006,"10832760"]},{"_index":"complaint-public-v1","_id":"4649833","_score":11.284476,"_source":{"product":"Debt collection","complaint_what_happened":"Dear CFPB, Please find my QWR and complaint against PennyMac Loan Servicing, LLC and XXXX XXXX XXXX XXXX and my demand for certain information. \n\nOn XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX ( acting under glimpse of \" PennyMac '' that SOMEONE ( who was not identified ) purportedly \" ordered '' some property inspection and even placed \" charges '' on my account REPORT generated and maintained by XXXX XXXX XXXX XXXX who is acting under directions from one of Wall Street Banks ( here : XXXX XXXX XXXX who sold me information about previously securitized transaction with the prior owner, XXXX ). \n\nThis letter has no contact information for the party who prepared this letter or any references who \" ordered '' this inspection. Under the law, only the owner of alleged debt or its authorized agent can do it. \n\nAccording to PennyMac 's letter of XX/XX/XXXX, all my \" mortgage payments '' are forwarded to XXXX XXXX XXXX XXXX, a Central Payment and Transfer Agent who apparently is responsible for all accounting activities in some XXXX XXXX \" Pooled Security '' (??? which suppose to be incorporated at least in some manner but nobody knows about it ) and where PennyMac claims to be everything - Issuer, Servicer and Investor who receives payments from BONY as a Transfer Agent while can not even explain whom PennyMac is servicing and how they obtained rights to collect from me any money ( if here was a debt ) I demand PennyMac and BONY to provide me ( 1 ) a copy of inspection report and ( 2 ) the name and contact information for a bookkeeper or an accountant who is responsible for bookkeeping and accounting activities of the general ledger of the Company where my loan is RECORDED as an account receivable and who made TWO big \" mistakes '' in less than two weeks ; and the name and contact information for this accountant manager, so I can call them and discuss these issues in person. \n\nThe parties involved did not treat the purchase of any security as the securitization of an asset. In plain language, if they had securitized a loan receivable, then the loan receivable account would exist as an asset on the accounting record of some creditor. No such thing exists. In fact, the reverse of lending is what was always intended. No owner of any security, derivative, certificate or hedge product ever made that purchase of a security with the intent of owning or controlling any payment, debt, note, or mortgage from any homeowner. \n\nAnd without an existing loan account receivable ( i.e., not the payment history ) there can be no creditor/claimant/beneficiary. It is not the receivables that were securitized. That is the point. Nobody who ever bought a certificate or derivative ever bought a share of receivables. \n\nThere never was any conveyance of ownership of any debt, note or mortgage or any payment. It didnt happen. And in most cases, there was and remains an express disclaimer of any such interest. If you see \" PennyMac '' letter of XX/XX/XXXX, it does not state any \" sales '', merely a \" servicing right transfer '' - which must be done by the owner of the debt while nobody claimed to be an owner before PennyMac 's false statements. \n\nWhen Wall Street entered the lending business with derivatives and securitization, it changed the basic components of every lending transaction affected. Debts were not securitized or sold. The inability or failure to recognize this fact is what caused the XXXX crash and what is still draining the economy, undermining any recovery. \n\nInstead, these components were removed from the transaction leaving the homeowner with nothing resembling a conventional loan transaction : the lender, loan account receivable, compliance with lending statutes, disclosure of revenue arising from the transaction, compliance with servicing and collection statutes were all removed. Certainty and confidence in the transactions were replaced by doubt, mistrust, and ignorance. \n\nHomeowners found themselves trapped under the threat of administration, collection and enforcement of a presumed debt without any evidence it still existed and without any evidence that the claimant had any rights to it. They also found themselves unable to reach anyone with legal authority to settle any claims because no such person existed. Companies claiming to be servicers do not handle or account for receipts or disbursements. They only report on third party reports. \n\nThus far, XXXX XXXX have succeeded in creating something new without any legislative authority to do so and without any governance or regulation : we are now dealing with virtual debts, virtual evidence, and virtual assertion instead of real debts, real evidence, and real allegations of material facts. \n\nThe debts need to be real and so do the creditors.The homeowners like myself never receive any disclosure that the money theyre paying is going to a non-creditor XXXX XXXX that has already generated a windfall in revenue than the entirety of their transaction. \n\nBut controlling the scheme is the point. So each time XXXX XXXX and other XXXX XXXX invented another layer of securitization, they increased their revenues from the receipt of securities that were sold securities that were mere bets on what discretionary reports from th e XXXX XXXX would say. Issuing securities does not mean the securitization of an asset occurred. The purchase of an option is not securitization of an asset even though the option is a new security. \n\nThere is no valid claim for repayment of debt because there is no debt. The reason why the loan account receivable does not exist is that it was paid off behind the curtain through the sales of several layers of bets issued as unregulated securities that were no more than hedges on what would be reports issued by the XXXX XXXX. \n\nWhen you total up the revenue from sales of such freshly intend securities the amount is as much as 50 times the amount of the transaction in which the homeowner was given money or credit. So the collection of payments from homeowners is small potatoes compared to the rest of the scheme. the only reason to enforce is to maintain the illusion that the transactions ever were or currently are loans. \n\nThe transaction with the homeowner as an incentive payment for services rendered for XXXX XXXX ( here XXXX XXXX ) where I was an investor in the securities scheme without any disclosures or benefits from the scheme. \n\nThe fact that the debt does not exist explains fully why no payments were ever made for the transfer of the debt, note, or mortgage and THAT is what is required by statute.","date_sent_to_company":"2021-08-20T06:10:51.000Z","issue":"Attempts to collect debt not owed","sub_product":"Mortgage debt","zip_code":"490XX","tags":null,"has_narrative":true,"complaint_id":"4649833","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PENNYMAC LOAN SERVICES, LLC.","date_received":"2021-08-20T05:31:10.000Z","state":"MI","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["This letter has no contact <em>information</em> for the party who prepared this letter or any references who \" ordered '' this inspection. Under the law, only the owner of alleged debt or its authorized agent can do it. \n\nAccording to PennyMac 's letter of XX/XX/XXXX, all my \" mortgage payments '' are <em>forwarded</em> to XXXX XXXX XXXX XXXX, a Central Payment and Transfer Agent who apparently is responsible for all accounting activities in some XXXX XXXX \" Pooled <em>Security</em> '' (???"],"product":["Debt <em>collection</em>"]},"sort":[11.284476,"4649833"]},{"_index":"complaint-public-v1","_id":"4306379","_score":11.155373,"_source":{"product":"Mortgage","complaint_what_happened":"On approx XX/XX/XXXX I made a request to Select Portfolio Servicing, via a telephone call, for a complete servicing file on my account. Three days later I received a payoff and a letter advising me about what I can obtain from their website. \n\nWhen I spoke to the representative I was very clear that I was having foreclosure issues and would like a copy of my servicing file including all notes on my account. What was sent to me ( I am attaching a copy ) falls woefully short of providing me a servicing file on my account. I am requesting the file because, last XX/XX/XXXX, a local assistance program had provided me enough money to bring my account current and the company according to what phone reps told me, either separated the instructions from the check, destroyed check, or forwarded the check to their accounting department. Had this check been applied I would have been able to make a XXXX payment and try to move forward. After they did whatever they did with the check I was then 4 months short and did not have enough money to make a full payment that big. In reality their sloppy payment processing led to my account being in foreclose. \nAlso they sat on my loss mitigation request for months without doing anything for it..then after months they said I was missing information. \n\nI have resubmitted my RMA Form on XX/XX/XXXX the last representative I spoke to said that was the only piece of information they needed. The one in file had become too old and the one a social worker obtained for me from the FHLMC or FHFA was not good enough for them. \n\nI'd also like to stress that on multiple occasions over the last year I requested a new workout information package be mailed to me because I am XXXX, I don't have a car, or a computer with a printer. Until the letter I received near the end of XX/XX/XXXX I had not received any documentation just letters telling me to access the information on their website. I had already informed them that my phone And thier website don't work well enough together the requests always fail. And mentioned the above information about being XXXX and not driving. \n\nI have one more issue I would like to bring up and that is the manner of making payments to SPS. They operate thier business like we are in XXXX not XXXX. As a recipient of Social Security XXXX  my money is placed monthly into a XXXX XXXX ( XXXX ) account managed by XXXX XXXX. \nI am able to use the XXXX card anywhere else in the US for any reason except with SPS who refused to accept payments from my XXXX. I do not have access to the routing and account number because technically the account belongs to the Social Security Administration and I can not even place funds into the account only Social Security can. I can understand where in the past cards always had a credit feature attached to them and do were not accepted as payment toward a mortgage because you would be creating a debt to pay your debt ... .however ; this is XXXX. The XXXX XXXX is used to pay millions of SSI and XXXX  recipients and there is no credit feature attached to this card. It will not you to pay out a penny more than what is in the account. There should be no reason my payments can't be taken from my XXXX card other than this companies ability to provide customer service comparative to any other company thier size. This is dory of rhetorical but how many peple have been forced to foreclosure because SPS will not take our payments from the account the federal government put my payments in. \n\nDue to their sloppy customer service, inadequate collection activities and payment processing methods I formally request that the foreclosure action on my account be vacated. That all fees charged to me due to the foreclosure and late payments be removed from my account and that a modification be approved to bring my account more in line with prevailing interest rates instead of the 6.765 % I am being charged now. I maintain that even on my XXXX payment I get monthly I can afford my payment if they reset the account back to a 40 year mortgage and drop the interest rate to 2.5 % or something that is actually a help. My father had this house built in the XXXX  's and a member of my family has lived here ever since then, it would be a shame to lose my family home because of a host of servicing errors made on my account and this companies inability to process an electronic payment from a card.","date_sent_to_company":"2021-04-17T18:30:45.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"50315","tags":"Servicemember","has_narrative":true,"complaint_id":"4306379","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2021-04-17T17:31:07.000Z","state":"IA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["I do not have access to the routing and account number because technically the account belongs to the Social <em>Security</em> <em>Administration</em> and I can not even place funds into the account only Social <em>Security</em> can. I can understand where in the past cards always had a credit feature attached to them and do were not accepted as payment toward a mortgage because you would be creating a debt to pay your debt ... .however ; this is XXXX."]},"sort":[11.155373,"4306379"]},{"_index":"complaint-public-v1","_id":"16162007","_score":10.530448,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Against Experian! \n\nBackground : in XXXXXXXX XXXX XXXX my account was flagged on Experian for a debt collection in the amount of {$390.00}. This was identity theft for the XXXX XXXX XXXX XXXX XXXX XXXX, MO. At the time, I was a resident of Oregon, when the identity theft occurred in XXXX. I contacted XXXX directly and provided the details of my proof that this account was identity theft. This process was so painful and time consuming and it provided XXXX a blueprint for someone to hack me in the future should XXXX be hacked. I provided copies of my tax records, address history, copy of passport, driver 's license, military retirement and VA XXXX proof. Utility companies might do a soft credit check but no guaranteed and a hard credit check would have alerted me to this identity theft. I was so upset that I called Experian and opened or paid {$39.00} per month for identity theft monitoring and protection. In XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXiled a debt collection with XXXX XXXX XXXX in XXXX XXXX for an illegal utility account and the debt collection was listed at {$630.00}. I was so relieved that Experian investigated the case and removed the account from my history as it was identity theft. \n\nMove forward to XX/XX/XXXX : XXXX. XXXX XXXX XXXX listed a debt collection of {$630.00} and identified Experian again and included XXXX XXXX. I identified Experian and explained everything to include the background, and they denied me twice and informed me the debt was valid even though the same information was resubmitted as valid. \n\nComplaint and Requests : XXXX. Experian approved and then denied the same identity theft claim on XX/XX/XXXX. \nXXXX. I called XXXX XXXX early XX/XX/XXXX, and they informed me again that the debt incurred was from XXXX, and in the amount of {$630.00}. I informed Experian of this. \nXXXX. I filed XXXX XXXX XXXX police report and FTC report # XXXX ( repeated the same info from XXXX ). The police department ( report number XXXX ) declined to approve the report because I was not a resident, and the complaint was from XXXX. \nXXXX. I am a 100 % XXXX veteran with a XXXX XXXX and many other health issues. I have not worked since XXXX. All of the credit reporting agencies have my work history and address history. XXXX XXXX provided the address, email and phone number used to open a utility account in my name, using my last XXXX and the following : XXXX XXXX, XXXX ; XXXX ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. I have never lived XXXX XXXX XXXX or Missouri. All three credit reporting agencies know this, and the information is not found used in conjunction with my background. \nXXXX. All credit reporting agencies have the XXXX XXXX debt collection information ( {$390.00} ) from XXXX, and how it was resolved and removed from my account, thereby restoring my XXXX XXXX of over XXXX. \nXXXX. I would like Experian to reinvestigate this blatant identity theft and back pay or refund my monthly fees that were wasted on their alleged expertise and false claims to providing a sense of a peace of mind. This agency is not to be trusted with securing and validating personal identifiable information. \nXXXX. Contacting Experian now includes fighting on the phone with their AI system. With identity theft, a customer is forced to call and waste valuable time being frustrated with AI. I prefer a direct connection if I am paying a monthly fee for specialized services. \n\nRecommendations : XXXX. Utility companies should conduct a hard credit check and not a soft one. My personal information has been hacked by agencies that collect my information to include the Social Security Administration, the state of Oregon, XXXX XXXX XXXX, and others. My information is easy to purchase and use when opening utility accounts and I am not protected from this identity theft. XXXX  and XXXX have indicated online that they might do a soft background check, and I have followed the steps to open accounts on their websites. All I need is my social security number and a few minor details that are easily purchased, and I can open an account. This process is too easy, and it must be made more difficult. \n2. Collection agencies should not be allowed to resubmit debt collection claims when investigations are not adjudicated in their favor.\n\n3. The burden of amazing proof should not fall on the person that has been violated with identity theft. \n\nSupporting Evidence from XXXX XXXX XX/XX/XXXX : CFPB Sues Experian over \" Sham Investigations '' into consumer complaints CFPB sues Experian over \" sham investigations '' into consumer complaintsXXXX XXXX XXXX XXXX When consumers disputed errors on their credit reports, Experian conducted sham investigations rather than properly reviewing the disputes as required by federal law, '' CFPB Director XXXX XXXX said in a statement. \" Credit reporting errors can have serious consequences for a family 's finances, and it is critical that credit reporting giants follow the law. '' Specifically, the CFPB alleges that Experian is harming people by using faulty procedures in receiving information in handling consumer disputes. The company \" routinely and uncritically accepts the original furnisher 's response to the disputed information, even when the response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable. '' Experian then fails to inform consumers of its findings, and instead offers confusing and incorrect information, CFPB stated.","date_sent_to_company":"2025-09-24T11:02:05.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"374XX","tags":"Servicemember","has_narrative":true,"complaint_id":"16162007","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-24T10:46:03.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive services that were advertised"},"highlight":{"complaint_what_happened":["My personal <em>information</em> has been hacked by agencies that collect my <em>information</em> to include the Social <em>Security</em> <em>Administration</em>, the state of Oregon, XXXX XXXX XXXX, and others. My <em>information</em> is easy to purchase and use when opening utility accounts and I am not protected from this identity theft. XXXX  and XXXX have indicated online that they might do a soft background check, and I have followed the steps to open accounts on their websites."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[10.530448,"16162007"]},{"_index":"complaint-public-v1","_id":"2549817","_score":10.311459,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To Consumer Protection Agency I am reaching to you today for your assistance for you to investigate this very serious matter that unfortuinaly I am experiencing with : Equifax credit reporting agency ( I believe the dept. dealing with is consumer affair I will mail to you in private in order for not to disclosure of the name of the people involve on the atrocity negligence the way they are currently taking my credit file and I accuse them full culpability of the consequence affecting my file knowing and having full knowledge of their action that of the information added to my credit file I am listing to you all the error committed and I will follow the action they have taking and what have change from day to day. <P/>Fortunally I have record of my credit file how it was before they took over my credit file and mess it up you will find with ease the violation has taken place I have kept record and full document of every action they have initiated I will be using all the evidence for a lawsuit to Equifax and the people involved in the event this would not get resolve out of court I reported to Equifax that my identity have been compromise after discovering several derogatory account place on my credit file. <P/>I quickly begin to learn what can be done a learned what process it must be taken with continue disputing all the inaccurate information from deferent sources. <P/>I do want to say that Equifax when compare with XXXX and XXXX they have been the worse to help you with anything what you ask, they come back with another respond that was not in any way relate to what the dispute should been, so waste of time. Regardless of having Equifax not doing what they are to enforce was a big obstacle on then to cooperate but I was able to somehow the account in dispute have it remove with the excision on one collection medical account that is refusing to remove the account from been reported to my file. <P/>Knowing the situation that one is not mine and two I was fair to ask them to produce the evidence that they believe belong to me four chances and they did get back with any.. <P/>Equifax in the meantime responded that the collection account is in fact they are reporting is accurate, really! That is to say something is wrong with how this all play and what is been done are two separate reality. <P/>I then summited documents of been a victim of identity theft by mail twice, they claim never received. <P/>That is when I then summited a complaint and also summited for the 3 time the documents relate to identity theft. <P/>I reported a complaint with the consumer protection agency Bureau. I am glad I have because you will find all this on my account with you is all there so they can not deny not having any record of it. <P/>On or about XX/XX/XXXX I receive a letter from Equifax disregarding any knowledge of Identity theft the only mention this We have received you request concerning your annual free credit report from Equifax and are looking forward to assisting you. <P/>However, the information you provided as proof of your identity does not match your information currently on file. Therefore, to protect your credit information, we must ask for some additional information in order to verify your identification and address. <P/>I then immediately gave then a call the representative says that I need it to resubmit my id and copy of social security card From this point forward they have denied assistance to me with my credit file because they can not verify who I am On or around XX/XX/XXXX send to Equifax I then again for the 3 time summited proof of identity I provided to them by fax the following : XXXX State Id issue from DMV Copy of my Social Security Card issue from the Social Security Administration On XX/XX/XXXX When I call they say that they can not help me because the information send to them does not match their record. I was not told what records they are referring they will refuse to help me or give any advice because I can not proof my identity. <P/>This is crazy I have giving then the only proof with correct identification On XX/XX/XXXX I pull one credit report online on an account I have with Equifax To my surprise this is what change on my credit profile was 1. My name was change adding an middle initial that I dont have 2. There were added some other names used about 4 names that Is not me never have use such name 3. My employment history was gone delete 4. My address history was gone 5. New address were listed that I never live on those address reported 6. There was 11 derogatory charged off account added to my credit file 7. Another collection account 8. 3 third buyers account 9. They have added or was reported another Social security number no mine In summary my identity was overnight change with new name new address middle name added a new social security number, I only have one. I am getting calls from does creditor demanding money all day long this have cause lot of damage to my poor health already in jeopardy I call then and ask who and why that has been added to my record I then see something is wrong please investigate. <P/>They denied saying that it was correct how can it be? Yesterday or the day before was not there and today is there? Something does not match up They are reporting incorrect information all of it. <P/>Is clear to see what has happen and they cant figure this out, they did it, because I have called the creditor which by the way I have an account with then in good standing if I have account not paid would I be having any account with that company no! So this is what I have found out whoever that person is they have use my name with another social security an open credit card account And I am definitely they have used my identity is clear but now their information have been merge with mine. <P/>And because of that I am not longer who I am base on Equifax this is XXXXup. <P/>What did they forget that I have reported identity theft and what I got was get kick out of my credit file.XXXXup So I have call and call they refuse to see what I have investigate saying that the only way they may not help if I provided to then my identity So a then again send it by fax this time I have added more identification for the to see they are mistaken. Fax to Equifax US passport current issue by the department of state My XXXX XXXX XXXX Id which I gain when I became a XXXX XXXX. This is another reliable id Copy of my current electric bill to proof my mailing address XXXX State ID I finally talk to this woman nightmare I was told that what I have sent will not proof anything and they can not used thatAre the XXXX crazy. Then she say that they need now a 1. sign form from social security office form XXXX XXXX and 2. my birth certificate Without that they will not tell me or do anything.now they way out of line I know they can not ask for that is illegal Dear Consumer protection Agency please help me with this what they are doing is horrible and should never be allow. Look what I have provide more than what is required and they say they can not used that, In top of that the reporting information from whoever used my identity on file and I can not have a word on that this is all bushed I will sue then that is for sure. <P/>Plead and say the true to my acknowledge So I immediately did an online search I have input that social security number to get general information basic ( no sure how credible it was but this is what I got ) I went to XXXX XXXX XXXX It appear that it was issue in XXXX on or around XX/XX/XXXX I have done everything I can on my part 1. They have denied access to my credit file and they have create a false file of who that now snowrolling","date_sent_to_company":"2017-06-13T20:11:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92234","tags":null,"has_narrative":true,"complaint_id":"2549817","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-06-13T19:42:34.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<P/>I then immediately gave then a call the representative says that I need it to resubmit my id and copy of social <em>security</em> card From this point <em>forward</em> they have denied assistance to me with my credit file because they can not verify who I am On or around XX/XX/XXXX send to Equifax I then again for the 3 time summited proof of identity I provided to them by fax the following : XXXX State Id issue from DMV Copy of my Social <em>Security</em> Card issue from the Social <em>Security</em> <em>Administration</em> On XX/XX/XXXX"],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[10.311459,"2549817"]},{"_index":"complaint-public-v1","_id":"5950506","_score":10.261293,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom it May Concern, My name is XXXX XXXX and Security Credit Systems is handling a matter for XXXX XXXX XXXX that wrongfully involves me. I was granted a XXXX XXXX  from the administration at XXXX XXXX. I was actually talked into it by a counselor at the XXXX  when Myself, My Mother, and a family friend went to the XXXX  I DID NOT XXXX for the semester in question. I wanted to try to make up the time I missed but was told I would not be able to. I was informed by a counselor that I would be granted a XXXX XXXX for the semester and would not be charged for the tuition fee. This was not a loan, just the tuition fee. \n\nFast forward, and over a year later, I was contacted by Security Credit Systems. While trying to figure out what happened I have been contacted via phone calls from this company several times. On or about XX/XX/XXXX I notified Security Credit Systems that I was in dispute of this charge with XXXX XXXX XXXX. \n\nIn XXXX of XXXX I did give Security Credit Systems permission to speak to my Mother about possibly discussing a settlement in order to eliminate this nuisance from my credit report. My Mother offered a 50 % settlement. Security Credit Systems said this offer was denied. We refused the much larger counter offer because I still felt this is a wrongful charge. \n\nOn XX/XX/XXXX of XXXX a Representative of Security Credit Systems, a XXXX XXXX, called my Mothers Cell Phone and asked to speak with XXXX XXXX. He seemed flustered and asked Is this her Mom? Without any further verification of who he was speaking to he disclosed my debt and gave out my personal identification. He then stated that he noticed in the file that a settlement was offered in the past and rejected. The person that he was speaking to said that no other offer would be made by myself and I would be disputing this charge with the three credit reporting agencies. This is when XXXX XXXX attitude and tone changed from professional to belittling. When the dispute was mentioned XXXX XXXX cut off the person on the phone and replied in a condescending manner with something to the effect of, Yeah, look at where that has gotten ya. He then abruptly said, Ill remove your number and hung up. \n\nAlmost immediately after, my Mother called Security Credit Systems and asked to speak with a manager on duty. After several clicks of the phone which my Mother understood to be several transfers. Giving her the idea that the company knew they did something wrong and no one wanted to take the call. Finally, someone picked up. My Mother asked to speak to a manager or a director. The person on the phone identified themselves as XXXX XXXX. XXXX XXXX said that there were no managers or directors there and he just took the call because he Helps out when the managers are not there. My Mother then informed him that there was third party disclosure on a phone call that we received a few minutes prior and wanted to speak with a manager. XXXX XXXX was able to look up all of my information using my Mothers phone number off of the caller ID which XXXX XXXX said he would be eliminated from the system. He obviously had not. Then XXXX XXXX who notified himself as an adjuster said that his manager, a XXXX XXXX, would contact us once he gets in. We never received a call that day. \n\nOn XX/XX/XXXX my Mother called and asked to speak to the compliance department at Security Credit Systems. The woman who answered said One Moment and to my Mothers surprise the call was once again transferred many times until finally, AGAIN to her surprise, was picked up by XXXX XXXX voicemail. She did not leave a message as the issue, now at hand, was a matter involving the illegal practice of the debt collector, XXXX XXXX. \n\nAfter hanging up, My Mother called back immediately and asked to speak to XXXX XXXX. Again after what sounded like many transfers a man finally picked up. The man on the other line, who curiously sounded like XXXX XXXX from her XX/XX/XXXX phone call, identified himself as XXXX XXXX. This does come across as a very odd occurrence? Are people in this office falsely representing who they are or using aliases? Im not accusing them of that but it was strange. \n\nMy Mother proceeded to inform XXXX XXXX of the matter at hand, an issue of Third Party Disclosure. XXXX XXXX informed my Mother that he was aware of the situation. My Mother then asked if he listened to the call. During the entire time on the call XXXX XXXX repeatedly avoided the issue of Third Party Disclosure by jumping around to the point of the original issue of my disputing the charge and the settlement offer. When he was asked again about the issue of Third Party Disclosure and the call to XXXX XXXX he brought up very specific parts of the conversation between my Mother and XXXX XXXX, almost verbatim. He also said he was well aware of the call in question. Although, according to him NOW, six days later he had never listened to it? He then said I spoke to XXXX about this, Didnt I already speak to you about this?. NO XXXX XXXX. XXXX XXXX did. My Mother informed him that it was now a twofold situation. The original dispute of the charge from XXXX XXXX and the issue of Third Party Disclosure. XXXX XXXX, oops Im Sorry, I mean XXXX XXXX said he would listen to the call and get back to her that day. Weve never heard from XXXX XXXX, XXXX XXXX, or Security Credit Systems since. \n\nSince that last call on XX/XX/XXXX both my Mother and I have called several times to Security Credit Systems and are always sent to voicemail. Which I feel is a very odd practice of a collection agency. Wouldnt a collection agency think that maybe Im calling to offer to make a payment or, are they aware of their negligence regarding Third Party Disclosure and correlating it to mine and my Mothers phone numbers that XXXX XXXX XXXX said he was deleting from the system on XX/XX/XXXX? \n\nI would please ask for yourself and your office to look into this matter and the practices of Security Credit Systems. \n\n\nThank You, XXXX XXXX XXXX XXXX","date_sent_to_company":"2022-09-05T23:30:05.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"Other debt","zip_code":"14075","tags":null,"has_narrative":true,"complaint_id":"5950506","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SECURITY CREDIT SYSTEMS INC","date_received":"2022-09-05T23:21:32.000Z","state":"NY","company_public_response":null,"sub_issue":"Talked to a third-party about your debt"},"highlight":{"complaint_what_happened":["Weve never heard from XXXX XXXX, XXXX XXXX, or <em>Security</em> Credit Systems since. \n\nSince that last call on XX/XX/XXXX both my Mother and I have called several times to <em>Security</em> Credit Systems and are always sent to voicemail. Which I feel is a very odd practice of a <em>collection</em> agency."],"product":["Debt <em>collection</em>"],"issue":["Threatened to contact someone or share <em>information</em> improperly"],"company":["<em>SECURITY</em> CREDIT SYSTEMS INC"]},"sort":[10.261293,"5950506"]},{"_index":"complaint-public-v1","_id":"10797034","_score":10.104601,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ] XXXX ( XXXX ) XXXX XX/XX/year> CAPITAL ONE Financial Corp XXXX Capital XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Notice, Cease All Reporting to Credit Reporting Agencies due to the unlawful closing of my account after I called on XX/XX/year> to check on the status of the payment I sent via U.S. Certified Mail a Restrictive Words/Endorsement payment to the address listed for Restrictive Words/Endorsement payments on my original contract agreement in the payments section. \n\nAccount Number Ending in : XXXX Dear Sir/Madam agent on behalf of CAPITAL ONE. , et., al., This letter serves as a formal Cease and Desist Notice regarding any unlawful reporting of information to the credit reporting agencies ( XXXX, XXXX, XXXX, and all other Credit Reporting Agencies ) concerning my account ending in XXXX. Your actions by closing my account after I mailed my restrictive words/endorsement payment is a direct violation of the terms and conditions and a breach of contract. Furthermore, I have not received back my form of payment which is defined as Securities Fraud by the SEC, FTC, and CFPB. CAPITAL ONE is in direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), Congressional Law, the Privacy Act, Federal Law, and IRS regulations. \n\nConditional Acceptance under Rule 1002 : I hereby invoke Rule 1002 to conditionally accept your claims upon your immediate provision of the following original documents under penalty of perjury under the United States ( no copies or reprints will suffice ) : The original wet-ink signature application/promissory note pertaining to my account : 1. ) All insurance claims, write-offs, and IRS Form 1099 A, 1099 OID, and 1099 C that relate to any debt discharge or charge-offs regarding this account. \nDetailed charge-off information, including the date and amount of any charge-off, and any sale or transfer of the debt. \n2. ) Full disclosure and full accounting/bookkeeping of all transactions, payments, credits, debits, audit reports, and charges made on the account.\n\n3. ) The complete chain of title, including any transfers or assignments of the promissory note or related documents. \n4. ) All periodic statements and late payment history, as mandated by 15 USC 1666 ( b ), along with documentation that I received these statements within the required 21-day period before the due date as per 15 USC 1637 ( b ). \n\nFailure to provide these original documents within the timeframe mandated by law of 10 days will result in the presumption that the reported information is fraudulent and inaccurate. Any failure to comply will further confirm that your actions are both unlawful and willful. I am also addressing a serious violation of the original contract governing our agreement. Specifically, the unauthorized sharing of my private information with an unaffiliated third party constitutes a breach of contract under 15 USC 1692 ( g ), which outlines protections for consumers in debt collection and prohibits unauthorized disclosure of personal information. This action is a violation of my rights under the law, as no consent was provided for the sharing of my personal details with any third party not directly involved in this consumer transaction. I request immediate cessation of such activity and demand confirmation that my information will not be further shared in violation of the original contract and federal law. \n\nCease and Desist Demand : You are hereby demanded to immediately cease and desist from any further reporting of any information to all and any of the credit reporting agencies, non-assumpsit. This includes but is not limited to, false reporting of late payments, charge-offs, or any other adverse account statuses that are damaging my credit profile. Should you fail to comply, I will pursue all available legal remedies, including filing complaints with the Department of Treasury Inspector General, Social Security Administration Inspector General, and the FBI concerning Concealment of Securities, Copyright Infringement, Identity Theft, Defamation of Character, and Securities Fraud and seeking Civil penalties under 15 USC 1681 ( n ) and other applicable statutes. \n\nLegal Compliance : Please be advised that under the FCRA, FDCPA, and Congressional Law, you are legally required to ensure the accuracy of all information you report to credit agencies. Furthermore, under the Privacy Act and Federal Law, you must protect my personal information from fraudulent use or misrepresentation. Additionally, under IRS regulations, any fraudulent misreporting, especially regarding charge-offs or debt discharge, may subject you to Criminal and Civil penalties. Notice, that I will not hesitate to file a copy of this Cease and Desist Notice in a Court Claim against CAPITAL ONE., if and when necessary. Should you fail to comply with this Cease and Desist, I will take further legal action, including but not limited to, arbitration, filing complaints with the Consumer Financial Protection Bureau ( CFPB ), ( FDIC ), ( SEC ), ( FTC ), ( XXXX  ), or pursuing litigation in small claims court. Thank you for your prompt attention to this matter. I look forward to your immediate response with the requested original/organic wet-ink documents and confirmation of the cessation of all reporting activities. \nSincerely, By : XXXX : XXXX XXXX XXXX XXXX XXXX Authorized Representative For : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( b ) ( XXXX ). ALL RIGHTS RESERVED. COPYRIGHT NOTICE","date_sent_to_company":"2024-11-14T19:52:31.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"27713","tags":null,"has_narrative":true,"complaint_id":"10797034","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-11-14T19:11:22.000Z","state":"NC","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Should you fail to comply, I will pursue all available legal remedies, including filing complaints with the Department of Treasury Inspector General, Social <em>Security</em> <em>Administration</em> Inspector General, and the FBI concerning Concealment of <em>Securities</em>, Copyright Infringement, Identity Theft, Defamation of Character, and <em>Securities</em> Fraud and seeking Civil penalties under 15 USC 1681 ( n ) and other applicable statutes."]},"sort":[10.104601,"10797034"]},{"_index":"complaint-public-v1","_id":"1830644","_score":9.733825,"_source":{"product":"Student loan","complaint_what_happened":"Today [ XXXX/XXXX/XXXX ] I made a phone to Nelnet & spoke to a Nelnet Representative [ \" XXXX '' ] to help supply me with clear answers in addressing some of my concerns.XXXX answers did not correspond to much of the information provided on the website. \nXXXX 1A ] - WHAT IS THIS 3 YEAR 'PROBATION '' PERIOD & WHY IS THE SUCH EMPHASIS PLACED ON THE POWER TO REACTIVATE THE 'DISCHARGED '' LOAN? \nIF THE LOAN IS TRULY & LEGALLY DISCHARGED ; WOULD N'T I RECEIVE FORM XXXX? \nTHE USE OF THE WORD, \" DISCHARGE '' IS MISLEADING & DISTORTED. \n* THE TELNET REPRESENTATIVE [ XXXX ] EXPLAINED THAT THE DISCHARGE THAT IS REFERRED TO ON THEIR WEBSITE INFORMATION IS NOT A FINAL [ REAL? ] DISCHARGE. IN THE EVENT THAT IT WAS \" THE FINAL DISCHARGE '' ; I WOULD BE SENT FORM XXXX. \n* \" If I 'm subject to a 3-year post-discharge monitoring period, what will happen during the monitoring period? '' 1B ] -IF I 'VE BEEN XXXX FOR A PERIOD OF GREATER THAN 3 YEAR TIME PERIOD ; WHY CA N'T I PRESENT A PRINT-OUT OF MY BANK RECORDS & TAX STATEMENTS OF THE PAST 3 YEARS TO PROVE THAT I 'M IN & HAVE BEEN IN COMPLIANCE OF THIS CRITERIA THAT NELNET [ THE US DEPARTMENT OF EDUCATION ] INSISTS ARE NECESSARY TO JUSTIFY THIS \" ALMOST '' DISCHARGE PROBATION PERIOD? \n* XXXX ] -WHY DOES NELNET [ A.K.A.- THE XXXX DEPARTMENT OF EDUCATION ] ONLY RECOGNIZE MY XXXX IN XX/XX/XXXX WHEN NATIONAL & STATE AGENCIES HAVE RECORDED MY XXXX IN XX/XX/XXXX? IS THE US DEPARTMENT OF EDUCATION MORE MEDICALLY QUALIFIED THAN THE MEDICAL PROFESSIONALS REPRESENTING THE NEW YORK STATE DEPARTMENT OF HUMAN RESOURCES & THE DEPT OF SOCIAL SECURITY XXXX, IN ADDITION TO MANY PRIVATE SPECIALISTS & PHYSICIANS IN THE ABILITY TO DIAGNOSE & MAKE AN ACCURATE DETERMINATION IN REGARD TO MY XXXX? \nTHIS MEANS THAT ANY MONEY THAT WAS GARNISHED FROM ME-BEFORE THE APPLICATION OF XXXX WAS DOES NOT HAVE TO BE RETURNED ... \n* \" What happens if the Department approves my XXXX discharge request? \" Link : XXXX 2A ] - WHAT RIGHTS/AUTHORITY/EXPERTISE/QUALIFICATIONS DOES THE US DEPARTMENT OF EDUCATION TO PARTICIPATE IN THE PROCESS OF DETERMINING AN INDIVIDUAL 'S XXXX? I ACCORDING TO NELNET, THE DOCUMENTATION PROVIDED BY THE DEPT OF SOCIAL SECURITY ADMINISTRATION IS NOT ENOUGH-AS THESE RECORDS ARE REVIEWED BY NELNET [? ] & THEN FORWARDED TO THE US DEPARTMENT OF EDUCATION FOR THEIR REVIEW. \n* What should I do if I want to apply for a XXXX discharge? Link : XXXX 3 ] -WHY DOES THE NELNET WEBSITE PROVIDE CONSUMERS WITH FALSE INFORMATION? \" Finally, we 'll contact your loan holders and instruct them to suspend collection activity on your loans for a period of up to 120 days. This means that during the 120-day period you will not be required to make payments on your loans. '' * I WAS TOLD ON THE PHONE BY THE NELNET REPRESENTATIVE THAT THE GARNISHMENTS WOULD & LEGALLY COULD BE CONTINUED. NELNET COULD DO NOTHING TO ADDRESS OR PREVENT FUTURE GARNISHMENTS. I WAS TOLD THAT NELNET WOULD NOT SPEAK TO MY LOAN HOLDER [ THE DEPARTMENT OF EDUCATION ] I WAS INFORMED THAT IT WAS UP TO ME TO SPEAK TO THE DEPARTMENT OF EDUCATION [ MY LOAN HOLDER AT XXXX ] IN ORDER TO ATTEMPT TO STOP THE GARNISHMENTS. THIS LATEST NEW INFORMATION SEEMED TO STRONGLY IMPLY SOME ADDITIONAL ARRANGEMENT & PROCESS OF APPLYING FOR A \" HARDSHIP '' WITH MY LOAN HOLDER. \n* \" Discharge Processing/How long does the XXXX discharge application process take? / Our review of your XXXX discharge application typically takes less than 30 days to complete. \nTHE RESPONSE OF THE NELNET REPRESENTATIVE [ XXXX ] WAS THAT COULD REQUIRE UP TO 120 DAYS TO REVIEW THE CASE & PROCURE THE ANSWER AS TO WHETHER YOU QUALIFIED FOR THE \" FAKE '' [ NOT FINAL ] DISCHARGE. DURING THIS 120 DAY REVIEW TIME FRAME ; THE DEPARTMENT OF EDUCATION IS STILL FREE TO GARNISH MY XXXX PAYMENT UNLESS OTHER ARRANGEMENTS HAD BEEN MADE.","date_sent_to_company":"2016-03-16T16:43:12.000Z","issue":"Dealing with my lender or servicer","sub_product":"Federal student loan servicing","zip_code":"563XX","tags":null,"has_narrative":true,"complaint_id":"1830644","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2016-03-14T05:33:48.000Z","state":"MN","company_public_response":null,"sub_issue":"Trouble with how payments are handled"},"highlight":{"complaint_what_happened":["I ACCORDING TO NELNET, THE DOCUMENTATION PROVIDED BY THE DEPT OF SOCIAL <em>SECURITY</em> <em>ADMINISTRATION</em> IS NOT ENOUGH-AS THESE RECORDS ARE REVIEWED BY NELNET [? ] & THEN <em>FORWARDED</em> TO THE US DEPARTMENT OF EDUCATION FOR THEIR REVIEW. \n* What should I do if I want to apply for a XXXX discharge? Link : XXXX 3 ] -WHY DOES THE NELNET WEBSITE PROVIDE CONSUMERS WITH FALSE <em>INFORMATION</em>?"]},"sort":[9.733825,"1830644"]},{"_index":"complaint-public-v1","_id":"10323135","_score":9.494379,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Urgent Report of Creditor Violations and Demand for Immediate Action To Whom It May Concern, I am writing to formally report egregious violations by my creditors, who have unlawfully sold my personal information to numerous debt collectors without any acknowledgment of whether insurance claims, bonds, or other forms of securities were fully paid to settle the debt. The continuous and excessive debt collector communicationoften more than once a dayhas caused significant emotional distress and severely impacted my quality of life. I can not overstate the urgency of this matter, and I demand immediate action to rectify these violations. This constitutes a blatant double-dipping practice, which I demand be investigated immediately.\n\nImpact on My Livelihood The unauthorized sharing of my personal information and the resultant negative impact on my credit score have severely compromised my financial stability. My credit score is a critical factor in determining my access to essential financial products and services, including loans, mortgages, and credit cards. The inaccuracies and harassment from creditors have led to : Limited Access to Credit : Due to my diminished credit score, I have been denied access to credit opportunities that are essential for significant purchases, such as a home or vehicle, thereby hindering my ability to invest in my future and secure necessary assets.\n\nIncreased Costs : The negative entries on my credit report have resulted in higher interest rates and fees when I am able to secure credit. This increased financial burden has strained my budget and made it difficult to manage my monthly expenses.\n\nProfessional Opportunities : Many employers and rental agencies conduct credit checks as part of their application processes. The negative marks on my credit report have hindered my ability to secure employment or rental agreements, directly impacting my ability to maintain stable housing and gainful employment. \n\nXXXX and XXXX XXXX Strain : The stress associated with managing these financial discrepancies has taken a toll on my mental and emotional well-being. The constant worry about my financial future and the ongoing harassment from creditors have caused significant distress, affecting my quality of life and overall health. \nCycle of Financial Instability : The inability to obtain credit or favorable terms has created a cycle of financial instability, making it challenging to meet my obligations and diminishing my quality of life. \n\nLegal Basis for CFPB Jurisdiction Under the following laws, the Consumer Financial Protection Bureau ( CFPB ) has jurisdiction over this complaint : Dodd-Frank Wall Street Reform and Consumer Protection Act ( 12 U.S.C. 5481 et seq. ) : This act empowers the CFPB to oversee unfair, deceptive, or abusive acts or practices in connection with consumer financial products or services.\n\nFair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) : This act prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts, which includes harassment through excessive communication.\n\nFair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) : This act establishes guidelines for the collection, dissemination, and use of consumer information, providing consumers with the right to dispute inaccuracies in their credit reports.\n\nSpecific Demands I hereby demand the following actions be taken immediately : Cease Harassment : I require an immediate cessation of all creditor harassment, including calls exceeding one per day, which is in violation of the Fair Debt Collection Practices Act.\n\nProof of Debt Ownership : Creditors must furnish clear evidence proving they own the debts reported against me.\n\nDisclosure of Claims and Securities : Creditors must disclose any insurance claims or bonds related to these debts, including any kickbacks that may have been received.\n\nDemand for Forensic Audit : I demand a comprehensive forensic audit of the accounts related to my debt. This audit should detail all transactions, insurance claims, and bonds related to my financial history to ensure transparency and accountability.\n\nFee Schedule Compensation : I demand compensation for my time and effort in preparing a lien and demand letter for payment, as well as for the potential lawsuit against these creditors for causing significant distress, duress, and invasion of my privacy. \n\nAcknowledgment of Trust : You must acknowledge that the principal, XXXX XXXX XXXX XXXX, is held in trust and recorded with the Michigan Secretary of State under UCC regulations. Any violations of this administration will incur liabilities exceeding {$100.00} XXXX. \n\nLegal Violations The actions of these creditors violate numerous laws, including but not limited to : U.S. Constitution, Article VI, Clause 2 : Establishes the Constitution as the supreme law of the land, affirming my right to accurate treatment in financial matters.\n\n14th Amendment : Guarantees equal protection under the law, which extends to credit reporting practices, thus protecting my rights against inaccuracies. \n\nSecurities Exchange Act of 1934 ( 15 U.S.C. 78a et seq. ) : Regulates trading of securities and mandates accurate reporting, which these creditors have failed to uphold.\n\nInvestment Company Act of 1940 ( 15 U.S.C. 80a-1 et seq. ) : Governs the activities of investment companies and requires transparency regarding funds tied to debts.\n\nApplicable Michigan Laws The following Michigan laws further support my claims and provide additional grounds for action : Michigan Consumer Protection Act ( MCL 445.901 et seq. ) : This act prohibits unfair, unconscionable, or deceptive acts or practices in trade or commerce. The actions of my creditors constitute unfair practices that harm my financial standing. \n\nMichigan Credit Services Protection Act ( MCL 445.181 et seq. ) : This law regulates credit repair organizations and protects consumers from deceptive practices in the credit repair industry. The inaccuracies and unauthorized selling of my information by creditors violate this act.\n\nMichigan Collection Practices Act ( MCL 445.252 et seq. ) : This law governs the conduct of debt collectors in Michigan and prohibits harassment, threats, or coercive practices. The creditors actions in harassing me through multiple daily calls violate this statute.\n\nConclusion The ongoing discrepancies in my credit reports and the continued harassment by creditors have severely harmed my financial standing, well-being, and privacy. I expect immediate action from the CFPB to rectify these violations and demand a forensic audit to ensure accountability and transparency. Failure to comply will compel me to pursue all available legal remedies to protect my rights. \n\nThank you for your prompt attention to this serious matter. I look forward to your immediate response.","date_sent_to_company":"2024-10-02T06:31:24.000Z","issue":"Electronic communications","sub_product":"Credit card debt","zip_code":"482XX","tags":null,"has_narrative":true,"complaint_id":"10323135","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"January Technologies, Inc","date_received":"2024-10-02T06:18:31.000Z","state":"MI","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Frequent or repeated messages"},"highlight":{"complaint_what_happened":["I look <em>forward</em> to your immediate response."],"product":["Debt <em>collection</em>"]},"sort":[9.494379,"10323135"]},{"_index":"complaint-public-v1","_id":"4781355","_score":9.441057,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"They charge to me force to pay and I never Sign UP for this this Company Even own Money Also several Times did this Not First time but im making a compliant its because abusing using my social Security without consent Well it has been mention in the clause 5 ( A ) of Collections that the company wont provide you any paperwork also while applying for loan, company hasnt requested any paper work form your side.\n\nThis is that information which you have used while taking the loan. You went on-line and applied for the loan from one of our website and got approved and the loan was taken out under your Name and SSN & all the legal consequences will filed against you. \nThis is an on-line process. The company won't provide any black or white. If you have not applied any loan then how we get all info about yours. While applying for this loan company hasnt requested any document from your side and also it is clearly mentioned on the agreement, at the time of recollection of money from your side, company will not show you any kind of document as these are the main evidence for the company. However if you are requesting it we can simply forward for the legal consequences. Soon you will received the court summons at your door step and there after we are not able to help you out. \nThis is your last and final chance to settle this case. If you don't take it seriously we have to take hard steps against you. \nNote : - Once the payment made in full then you will get an electronically generated payment receipt stating that your account has been paid off in full with zero balance and the your case file is closed permanently. \n\nThank You. \nWe are talking about the creditor ACE, ( Advance Cash Express ), is a parent company which owns and operates more than 80 parental payday loan websites like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, ACE CASH EXPRESS, XXXX XXXX, XXXX XXXX etc. you applied from one of our website and you never bothered to pay this debt, so the creditor wants to know your intentions about this matter of yours that what would you like to do. They do have a signed copy of the contract which is signed under your e-mail address XXXX, also would like to mention your computer 's IP address was also traced when you were signing the contract with the company. The money was successfully deposited into your bank account. \n\nWe have a settlement amount for you, if you will make the payment of {$450.00} by today, XX/XX/20 then we can close your file at this amount only. Once the full and final payment is received a receipt will be sent to you stating that your outstanding debt is paid in full. \n\nKindly let us know are you willing to resolve this matter out of the court house or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out. \n\nDo reply ASAP. \n\nYours sincerely, ACE CASH EXPRESS. \n\nXXXX XXXX XXXX Last Date to file XXXX. \n\n\nWe are going to file a lawsuit in next 24 hours at United States XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX, FL XXXX, United States against your Name and SSN. After giving several notifications we did not received any response from your side. We will consider that you are ignoring this matter and you want to dispute. We are in a process to inform the Social Security Administration & major Credit Bureaus as well.This is our last warning to you ; kindly update us ASAP so that we can proceed. \n\nNote- If we don't receive any response from your side today, your case file will be downloaded automatically against you. After that we are unable to help you and you will receive court summons at your door steps with the cost of lawsuit around {$3200.00}. \n\nDo update us with your intention that you want to resolve this case or you want to dispute. Do revert back for any queries. \n\n\nThank you, ACE CASH EXPRESS. \nI have Not Sign UP for this changing me in my account use my social Security to Sign application without my concent","date_sent_to_company":"2021-10-05T22:27:13.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"96818","tags":null,"has_narrative":true,"complaint_id":"4781355","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Populus Financial Group, Inc. (F/K/A Ace Cash Express)","date_received":"2021-10-05T22:27:09.000Z","state":"HI","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["They charge to me force to pay and I never Sign UP for this this Company Even own Money Also several Times did this Not First time but im making a compliant its because abusing using my social <em>Security</em> without consent Well it has been mention in the clause 5 ( A ) of <em>Collections</em> that the company wont provide you any paperwork also while applying for loan, company hasnt requested any paper work form your side.\n\nThis is that <em>information</em> which you have used while taking the loan."]},"sort":[9.441057,"4781355"]},{"_index":"complaint-public-v1","_id":"8087388","_score":9.180751,"_source":{"product":"Credit card","complaint_what_happened":"Synchrony Bank Regarding Account Numbers : PayPal Credit : XXXX XXXX XXXX XXXX Venmo Credit : XXXX XXXX XXXX XXXX TJMax Credit : XXXX XXXX XXXX XXXX Care Credit : XXXX XXXX XXXX XXXX Adverse Actions Synchrony Bank is guilty of : 16 CFR 433.2 15 USC 6802 12 CFR 1016.7 Privacy Act 0f 1974 16 CFR 313 Language Fraud. \nI am responding to another Adverse Action by Synchrony Bank for closing another account of mine. No notice, no letter informing me of their action before they act, which is the same actions they have illegally taken against me with all four of my accounts. \nIn the beginning of XXXX, XXXX, I received my notices confirming my correspondences had been received by both parties. In the correspondence I submitted to XXXX XXXX XXXX, of XXXX XXXX  and XXXX XXXX, of Synchrony XXXX XXXX XXXX, I sent three stamped, and endorsed certificates of indebtedness as payment for all three of my delinquent accounts and I have not been contacted by any member of the Synchrony Bank team. My account should not have been closed. If my certificates of indebtedness were not accepted as payment, they should have been returned to me. If there was something I forgot to include in the certificates, again, they should have been returned for corrections. \nAccording to the current 10k form, dated XX/XX/XXXX, Synchrony has had to pay out millions of dollars for illegal practices and it doesnt seem like their illegal or unfair practices are going to cease. \nNOTE 13. LEGAL PROCEEDINGS AND REGULATORY MATTERS In the normal course of business, from time to time, we have been named as a defendant in various legal proceedings, including arbitrations, class actions and other litigation, arising in connection with our business activities. Certain legal actions include claims for substantial compensatory and/or punitive damages, or claims for indeterminate amounts of damages. We are also involved, from time to time, in reviews, investigations and proceedings ( both formal and informal ) by governmental agencies regarding our business ( collectively, regulatory matters ), which could subject us to significant fines, penalties, obligations to change our business practices or other requirements resulting in increased expenses, diminished income and damage to our reputation. We contest liability and/or the amount of damages as appropriate in each pending matter. In accordance with applicable accounting guidance, we establish an accrued liability for legal and regulatory matters when those matters present loss contingencies which are both probable and reasonably estimable. \nIf my payments were not accepted, per CFR3-603 The debt is discharged. \n( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. \n( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. \n( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument. '' According to the Synchrony Card funding 10k form, ARTICLE IV SECTION 4.1 Purposes. The purpose to be conducted or promoted by the Company is to engage in the following activities : ( a ) ( i ) to purchase, accept capital contributions of or otherwise acquire credit card receivables and other receivables arising in credit accounts ( including interests or participations therein ) ( collectively, the Receivables ) from the Initial Member, its affiliates and any other originator of Receivables and any rights of the Initial Member, its affiliates or such other originators related to the Receivables and any collections, recoveries or other proceeds of the foregoing ( collectively, the Credit Account Assets ) ; ( ii ) to own, hold, service, sell, assign, transfer, pledge, grant security interests in or otherwise exercise ownership rights with respect to the Receivables and other Credit Account Assets ; ( iii ) to issue and sell one or more series of Securities ; ( iv ) to act as settlor or depositor of trusts or other entities or to own equity interests in other limited liability companies or special purpose entities, each of which is formed to issue Securities ( each, an Issuer ) ; ( v ) to acquire, own, hold, transfer, assign, pledge, sell and otherwise deal with Securities and any other securities issued by any Issuer or interests in any Issuer ; ( vi ) to enter into, execute and deliver any underwriting agreement, purchase agreement, loan agreement or placement agreement relating to the sale or placement of any Securities, any sale or transfer agreement, servicing agreement, pooling and servicing agreement, trust agreement, purchase agreement, line of credit, administration agreement, custodial agreement, insurance agreement or any other agreement which may be required or advisable to effect the purchase, sale, administration or servicing of the Receivables and other Credit Account Assets or the issuance and sale of any Securities ( each, a Securitization Agreement ), and to perform its obligations under each Securitization Agreement to which it is a party ; ( vii ) to establish any reserve account, spread account or other credit or cash flow enhancement for the benefit of Securities issued by the Company or any Issuer and to loan, transfer or otherwise invest any proceeds from Receivables and other Credit Account Assets and any other income as determined by the Managers ; ( viii ) to purchase financial guaranty insurance policies for the benefit of any Security issued by the Company or any Issuer ; ( ix ) to enter into any interest rate or basis swap, cap, floor or collar agreements, currency exchange agreements or similar hedging transactions relating to any Receivables and other Credit Account Assets or for the benefit of any Security ; ( x ) to prepare, execute and file with the Securities and Exchange Commission any documents, including without limitation registration statements, including a prospectus and forms of prospectus supplements, amendments to registration statements, Forms 8-K, Forms 10-K, Forms 10-D, Forms ABS-15G, annual reports, letters or agreements, relating to Securities to be issued on a delayed or continuous basis and to register and qualify any Securities under the XXXX XXXX laws of any state or jurisdiction ; 16 C.F.R. 433 the Federal Trade Commissions Trade Regulation Rule Concerning Preservation of Consumers Claims and Defenses, 16 C.F.R. 433, commonly known as the Holder Rule. Specifically, you ask the Commission to affirm that the Holder Rule 1 does not limit a consumers right to an affirmative recovery to circumstances where the consumer can legally rescind the transaction or where the goods or services sold to the consumer are worthless As I stated in my first letter, I XXXX XXXX XXXX revoke the Security Interest in ALL four of my certificates of indebtedness I gave Synchrony Bank unaware. \nAccording to CFPB The Equal Credit Opportunity Act ( ECOA ), implemented by Regulation B, makes it unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction on the basis of race, XXXX, religion, national origin, XXXX ( including XXXX orientation and gender identity ), marital status, age ( provided the applicant has the capacity to contract ), because all or part of the applicants income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.1 ECOA and Regulation B require that, when taking adverse action against an applicant, a creditor must provide the applicant with a statement of reasons for the action taken.2 This statement of reasons must be specific and indicate the principal reason ( s ) for the adverse action3 ; moreover, the specific reasons disclosed must relate to and accurately describe the factors actually considered or scored by a creditor.4 Adverse action notice requirements promote fairness and equal opportunity for consumers engaged in credit transactions, by serving as a tool to prevent and identify discrimination through the requirement that creditors must affirmatively explain their decisions. \nAdverse Action was taken against me After I had signed a credit agreement for a specific amount of money, then reduced to another amount several months later. Again, Synchrony Bank has another certificate of indebtedness from me, however, claims to state my \" creditworthiness? Is this real? \nAll securities are backed by the Full Faith and Credit of the United States and my certificates of indebtedness guaranteed Synchrony Bank my signature was profitable. \nALL FOUR Synchrony Bank Credit Card Accounts, have continuously been lowered \" after a review of my credit report '' however, why are they allowed to continuously check my credit report, causing another inquiry thus being another reason for lowering my credit score? According to the 10k form from Synchrony Bank, they have securitized my contracts without my knowledge or approval and they have the audacity to lower my credit limits? \nMoving forward, I OPT OUT TO ALL PERSONAL AND TRANSACTIONAL Information exposed on my credit reporting accounts. \nI will attach my original letters from XX/XX/XXXX. Maybe someone will read it and reply. \nI will attach my proof of service for each person I reached out to, as well.","date_sent_to_company":"2024-01-02T03:47:06.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"35007","tags":null,"has_narrative":true,"complaint_id":"8087388","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2024-01-02T02:19:41.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["Moving <em>forward</em>, I OPT OUT TO ALL PERSONAL AND TRANSACTIONAL <em>Information</em> exposed on my credit reporting accounts. \nI will attach my original letters from XX/XX/XXXX. Maybe someone will read it and reply. \nI will attach my proof of service for each person I reached out to, as well."]},"sort":[9.180751,"8087388"]},{"_index":"complaint-public-v1","_id":"6639454","_score":8.954039,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have reached out to XXXX, Innovice and XXXX, XXXX XXXX and XXXX about the improper use of my credit report. They have continued to report fraudulent and felonious information. They use my information regardless of federal law 15 US code 1692E 15 US code 1692c I have spoken with representatives in the fraud department there at XXXX. They continue to remove and then place items back on my consumer report. This is an omission of guilt. I have not only sent over to XXXX, XXXX, XXXX XXXX, and XXXX as well as Innovice copies of my identification copies of the CFPB complaint, FTC complaint, XXXX  complaint state Attorney Generals complaint in florida consumer protection complaint with a sworn affidavit of truth, I asked again of the CFPB TO truly look into the many violations of the FCRA 15 USC 1681b permissible purpose 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, 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 of the dispute from the consumer or reseller. XXXX XXXX XXXX XXXX XX/XX/XXXX total {$660.00} XXXX XXXX  XXXX acct XXXX XXXX XX/XX/XXXX XXXX {$400.00} fraud inquiries XXXX  XXXXXXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 USC 1692c ( b ) 15 US.. code 1681s-2 Responsibilities offurnishers of information to consumer reporting agencies. 15 U.S. code1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S.code 16811- procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley Act.these are all the federal violations and state violations as well I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729- 3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX XXXX INNOVICE XXXX XXXX XXXXXXXX XXXX the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.ALSO 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXXXXXX XXXX  /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( 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}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt","date_sent_to_company":"2023-03-02T22:42:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33139","tags":null,"has_narrative":true,"complaint_id":"6639454","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CBC Companies, Inc.","date_received":"2023-03-02T21:40:23.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I look <em>forward</em> to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[8.954039,"6639454"]},{"_index":"complaint-public-v1","_id":"6639415","_score":8.954039,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have reached out to XXXX, XXXX and XXXX, Trans Union and XXXX about the improper use of my credit report. They have continued to report fraudulent and felonious information. They use my information regardless of federal law 15 US code 1692E 15 US code 1692c I have spoken with representatives in the fraud department there at XXXX. They continue to remove and then place items back on my consumer report. This is an omission of guilt. I have not only sent over to XXXX, XXXX, Trans Union, and XXXX as well as Innovice copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint state Attorney Generals complaint in florida consumer protection complaint with a sworn affidavit of truth, I asked again of the CFPB TO truly look into the many violations of the FCRA 15 USC 1681b permissible purpose 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, 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 of the dispute from the consumer or reseller. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USC 1692c ( b ) 15 US.. code 1681s-2 Responsibilities offurnishers of information to consumer reporting agencies. 15 U.S. code1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S.code 16811- procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. XXXX. XXXX Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley Act.these are all the federal violations and state violations as well I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729- 3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNIONXXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX TRANSUNION for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX TRANSUNION XXXX XXXX XXXX XXXX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.ALSO 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( 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}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt","date_sent_to_company":"2023-03-02T22:42:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33139","tags":null,"has_narrative":true,"complaint_id":"6639415","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-03-02T22:42:24.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I look <em>forward</em> to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[8.954039,"6639415"]},{"_index":"complaint-public-v1","_id":"6640707","_score":8.942693,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have reached out to XXXX, XXXX and Lexisnexis, XXXX XXXX and XXXX about the improper use of my credit report. They have continued to report fraudulent and felonious information. They use my information regardless of federal law 15 US code 1692E 15 US code 1692c I have spoken with representatives in the fraud department there at XXXX. They continue to remove and then place items back on my consumer report. This is an omission of guilt. I have not only sent over to XXXX, XXXX, XXXX XXXX, and Lexisnexis as well as XXXX copies of my identification copies of the CFPB complaint, FTC complaint, BBB complaint state Attorney Generals complaint in florida consumer protection complaint with a sworn affidavit of truth, I asked again of the CFPB TO truly look into the many violations of the FCRA 15 USC 1681b permissible purpose 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, 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 of the dispute from the consumer or reseller. XXXX XXXX XXXX XXXX XX/XX/XXXX total {$660.00} XXXX XXXX  XXXX acct XXXX XXXX XX/XX/XXXX XXXX {$400.00} fraud inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX USC 1692c ( b ) 15 US.. code 1681s-2 Responsibilities offurnishers of information to consumeXXXX reporting agencies. 15 U.S. code1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S.code 16811- procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft XXXXrevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley Act.these are all the federal violations and state violations as well I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729- 3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX XXXX XXXX DATA SOLUTIONS XXXX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.ALSO 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C XXXX for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX XXXXfurnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev next ( 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}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt","date_sent_to_company":"2023-03-02T23:34:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33139","tags":null,"has_narrative":true,"complaint_id":"6640707","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2023-03-02T23:34:36.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I look <em>forward</em> to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[8.942693,"6640707"]},{"_index":"complaint-public-v1","_id":"6640706","_score":8.926084,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have reached out to XXXX, XXXX and XXXX, XXXX XXXX and XXXX about the improper use of my credit report. They have continued to report fraudulent and felonious information. They use my information regardless of federal law 15 US code 1692E 15 US code 1692c I have spoken with representatives in the fraud department there at XXXX. They continue to remove and then place items back on my consumer report. This is an omission of guilt. I have not only sent over to XXXX, XXXX, XXXX XXXX, and XXXX as well as XXXX copies of my identification copies of the CFPB complaint, FTC complaint, BBB complaint state Attorney Generals complaint in florida consumer protection complaint with a sworn affidavit of truth, I asked again of the CFPB TO truly look into the many violations of the FCRA 15 USC 1681b permissible purpose 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, 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 of the dispute from the consumer or reseller. XXXX XXXX XXXX XXXX XX/XX/XXXX total {$660.00} XXXX XXXX XXXXXXXX acct XXXX XXXX XX/XX/XXXX XXXX {$400.00} fraud inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XT XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Responsibilities offurnishers of information to consumer reporting agencies. 15 U.S. code1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S.code 16811- procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley Act.these are all the federal violations and state violations as well I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729- 3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with XXXX U.S.C XXXX. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you EXPERIAN/ XXXX XXXX DATA SOLUTIONS XXXX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.ALSO 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data According to the fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an XXXX XXXX XXXX with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev next ( 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}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt","date_sent_to_company":"2023-03-02T23:34:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33139","tags":null,"has_narrative":true,"complaint_id":"6640706","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ID Analytics, Inc.","date_received":"2023-03-02T23:34:36.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I look <em>forward</em> to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[8.926084,"6640706"]},{"_index":"complaint-public-v1","_id":"6639414","_score":8.906599,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have reached out to Experian, Innovice and XXXX, XXXX XXXX and XXXX about the improper use of my credit report. They have continued to report fraudulent and felonious information. They use my information regardless of federal law 15 US code 1692E 15 US code 1692c I have spoken with representatives in the fraud department there at Experian. They continue to remove and then place items back on my consumer report. This is an omission of guilt. I have not only sent over to XXXX, Experian, XXXX XXXX, and XXXX as well as Innovice copies of my identification copies of the CFPB complaint, FTC complaint, BBB complaint state Attorney Generals complaint in florida consumer protection complaint with a sworn affidavit of truth, I asked again of the CFPB TO truly look into the many violations of the FCRA 15 USC 1681b permissible purpose 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, 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 of the dispute from the consumer or reseller. XXXX XXXX XXXX XXXX XX/XX/XXXX total {$660.00} XXXX XXXX  XXXX acct XXXX XXXX XX/XX/XXXX XXXX {$400.00} fraud inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX15 USC 1692c ( b ) 15 US.. code 1681s-2 Responsibilities offurnishers of information to consumer reporting agencies. 15 U.S. code1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S.code 16811- procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. XXXX Social Security number privacy and identity Theft Prevention Act of XXXX. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley Act.these are all the federal violations and state violations as well I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( EXPERIAN XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729- 3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies EXPERIAN/ XXXX/XXXX  XXXX this XXXX to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by EXPERIAN XXXX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you EXPERIANXXXX XXXX XXXX DATA SOLUTIONS XXXX XXXX the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.ALSO 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( EXPERIAN XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies EXPERIAN/ XXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( 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}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt","date_sent_to_company":"2023-03-02T22:42:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33139","tags":null,"has_narrative":true,"complaint_id":"6639414","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-03-02T22:42:24.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I look <em>forward</em> to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S."],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[8.906599,"6639414"]},{"_index":"complaint-public-v1","_id":"6640666","_score":8.905419,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have reached out to XXXX, XXXX and XXXX, XXXX XXXX and Equifax about the improper use of my credit report. They have continued to report fraudulent and felonious information. They use my information regardless of federal law 15 US code 1692E 15 US code 1692c I have spoken with representatives in the fraud department there at XXXX. They continue to remove and then place items back on my consumer report. This is an omission of guilt. I have not only sent over to Equifax, XXXX, XXXX XXXX, and XXXX as well as XXXX copies of my identification copies of the CFPB complaint, FTC complaint, XXXX  complaint state Attorney Generals complaint in florida consumer protection complaint with a sworn affidavit of truth, I asked again of the CFPB TO truly look into the many violations of the FCRA 15 USC 1681b permissible purpose 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, 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 of the dispute from the consumer or reseller. XXXX XXXX XXXX XXXX XX/XX/XXXX total {$660.00} XXXX XXXX XXXXXXXX acct XXXX XXXX XX/XX/XXXX XXXX {$400.00} fraud inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Fraudulent Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX15 USC 1692c ( b ) 15 US.. code 1681s-2 Responsibilities offurnishers of information to consumer reporting agencies. 15 U.S. code1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S.code 16811- procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley Act.these are all the federal violations and state violations as well I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729- 3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXXEQUIFAX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX EQUIFAX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX XXXXXXXX XXXX XXXX XXXX  EQUIFAX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.ALSO 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev next ( 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}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt","date_sent_to_company":"2023-03-02T23:34:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33139","tags":null,"has_narrative":true,"complaint_id":"6640666","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-03-02T23:23:22.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I look <em>forward</em> to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[8.905419,"6640666"]},{"_index":"complaint-public-v1","_id":"14742218","_score":8.714212,"_source":{"product":"Debt collection","complaint_what_happened":"CERTIFIED MAIL # XXXX TO : XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX c/o : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX NOTICE TO CUREand Failure to Contest Acceptance and Agreement Reference : CERTIFIED MAIL # XXXX Do not ignore it. \nThis Notice sent via recorded delivery to you, dated XX/XX/XXXX, regarding a potential liability for a presumed debt. \n\n\nYou were requested to send certain documentation so as to validate and verify your claims against me the aggrieved man and have failed to do so. To date you have failed to adequately respond or have ignored the contents of that notice which has left me with the assumption that you do not have any valid claim against me and that there is no debt lawfully owed by me. \nI wish however to offer you another opportunity to substantiate your claims by forwarding the following documentations. I accept for value upon proof of claim : Proof that you still hold the original instrument of indebtedness Validation of the debt and Proof that XXXX XXXX XXXX or any of its affiliated agents, parent companies, proxies, etc actually suffered a loss ( Copy of the actual accounting ). \nProof of your claim against me in the form of a signed sworn Affidavit ; or an original and valid bill, with the words Bill/invoice and value on the face of it, complete with signature.\n\nCopies of any bi-lateral or tri-lateral contracts which create obligations on each party to perform, evidenced as such by signatures binding the parties in agreement, INCLUDING any delegated instrument of Novation, signed and sealed in a tripartite contract.\n\nAn Equitable Deed of Assignment ( not a notice of assignment two very different legal documents ) should be made available to validate your claims. This should be executed as a Deed, granted by the grantor or original creditor and indorsed by instrumentary witnesses in solemn form.\n\nIt may be wise to take note that the following are the terms of a lawful contract : 1. Full disclosure 2. Equal consideration.\n\n3. Lawful terms and conditions.\n\n4. Signatures of the Parties/Meeting of the minds ( corporations can not sign because they have no right, or mind, to contract as they are legal fictions ). \nIn the previous notice served upon you I stated : Should you not be in receipt of any of the aforementioned documents, then you are party to a fraudulent act, therefore I reserve the right to seek full recourse remedy through the courts of law. \nAs you have so far failed to substantiate your alleged claim I now also request the following information : Registration details with The Federal Trade commission/ Security and Exchange Commission Registration details with The Information Commissioners of offices Your Consumer Credit License number Your Public liability insurance details/ Bond Information It is also my understanding that the liability presented to me is in fact an offer of a contract which I have a lawful right to decline, as a contract can not be enforced under protest and duress and against my will. \nI demand that all of the above conditions be met and presented in Affidavit format sworn under oath or attestation, under penalty of perjury and upon your full commercial liability. \nYour failure to provide Proof of Claim in the form of the above reasonably requested specific items will comprise the tacit procuration of debt collection liability Agencys agreement to the following terms and conditions.\n\nXXXX XXXX XXXX are a third party interloper with no first-hand knowledge of the facts of the matter. \nXXXX XXXX XXXX ( or any of its affiliated agents, Parent companies, proxies, etc ) does not have the legal right or lawful authority to attempt to enforce collection of the invalid claim and will not attempt to do so in the future. \nXXXX XXXX XXXX ( or any of its affiliated agents, parent companies, proxies, etc ) has no authority to adversely affect the credit rating or any system records of XXXX XXXX and that any negative remarks made to any liability reference agency system will be removed immediately. \nXXXX XXXX XXXX ( or any of if its affiliated agents, parent companies, proxies, etc ) does not have the legal right and lawful authority to sell the alleged liability, pass it back to its client and / or appoint an agent to act on its behalf in this matter. \nCEASE AND DESIST I remind you of my request that all further communications be made in writing only therefore you are hereby served notice as of XX/XX/XXXX, under the Protection from Harassment Act 1997 to Cease and Desist any doorstep visits, calls and texts to the addressee. Furthermore, you are to Cease & Desist in any attempt to contact the family, friends, neighbors, employers or any persons associated with the presumed alleged account holder in regards to this matter. \nAny further unauthorized communication ( text, calls or door-step visits ) from XXXX XXXX XXXX ( or any of its affiliated agents, parent companies, Proxies, etc. ) to the above mentioned address answered or not will incur administration fees as outlined in the schedule below. \nShould you now fail to comply with this notice I will report you to Federal Trade Commission and XXXX XXXX XXXX  along with The Financial Conduct Authority better known to you maybe as Security and Exchange Commission. Take further note that continued telephone calls after the receipt of a request not to call may constitute a criminal offence under Section 127 of the communications Act 2003. \nFee Schedule Any invalid claims against XXXX XXXX and/or attempting to contact the Authorized Representative by mail, wrongful addresses that arent the domicile listed in exact format or, mobile phone and/or telephone will constitute the agreement of violating my right of privacy by continuing to report inaccuracies with no consent. selling information to a third party with out my knowledge. no full disclosure when asked for the forward flow agreement, chain of title, bill of sale improper investigation timeframe. \nviolating cease and desist by continuing to correspond with bureaus","date_sent_to_company":"2025-07-18T18:02:38.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"33426","tags":null,"has_narrative":true,"complaint_id":"14742218","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FC HoldCo LLC","date_received":"2025-07-18T17:19:38.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["As you have so far failed to substantiate your alleged claim I now also request the following <em>information</em> : Registration details with The Federal Trade commission/ <em>Security</em> and Exchange Commission Registration details with The <em>Information</em> Commissioners of offices Your Consumer Credit License number Your Public liability insurance details/ Bond <em>Information</em> It is also my understanding that the liability presented to me is in fact an offer of a contract which I have a lawful right to decline, as a contract"],"product":["Debt <em>collection</em>"]},"sort":[8.714212,"14742218"]},{"_index":"complaint-public-v1","_id":"8343459","_score":8.6794615,"_source":{"product":"Debt collection","complaint_what_happened":"USAA Account # XXXX Dear XXXX XXXX XXXX  XXXX XXXX & USAA and All others, I, XXXX, XXXX, Original Creditor and Natural Living Woman, hereby rescind my consent to be liable or compelled to perform regarding the contract agreement ( Asset-Backed Securities ) that was entered with XXXX XXXX OF XXXX XXXX on XXXX XXXX 2023 . I allegedly entered into a contract agreement with XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) without the following : I. Full disclosure of my rights to rescind II. Transparency regarding the process of the consumer credit application being a financial asset ( 12 CFR 360.6 ( 2 ) ) ; III. As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ) IV. Misrepresentation of the finance charge V. Failure to inform that fraudulently forged contract was a financial asset I have reason to believe that XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) knowingly, willingly, intentionally, and with malice took advantage of my consumer credit by unjust enrichment. \n\nAfter thoroughly reviewing all documents in my possession and having a certified forensic audit conducted, I have found several abusive, oppressive, deceptive, misleading, defamatory, and unconscionable violations. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ), in conjunction with USAA, my commercial financial institution, has lied, cheated, and stolen from me. \n\nIt appears that XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX USAA and its affiliate ( s ) /partner ( s ) are engaging in FRAUD by way of forgery, identity theft, money laundering, tax evasion, fraudulent conversion, fraudulent concealment, computer fraud, terrorism, human trafficking, extortion, fraud in the execution, conspiracy with the intent to defraud, Securities fraud Racketeering, amongst other white-collar crimes. \nI did NOT, or do NOT ratify, any unauthorized acts by XXXX XXXX XXXX XXXX XXXX broker/transfer agents, nor have I accepted any benefit from its unauthorized acts. \n\nMoreover, I choose not to do business with you and your partner ( s ) /affiliate ( s ) any longer and CALL ALL AMOUNTS DUE IMMEDIATELY!! YOU are to cease further communication with me regarding the collection of such alleged debt regarding forged security. \n\nXXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX USAA and its affiliate ( s ) /partner ( s ) intentionally, knowingly, willfully conspired in concert dismissing and violating federal laws of the Emergency Banking Act ( EBA ), The Securities Exchange Act ( SEA ) of 1933 and 1934, the Foreign Corrupt Practices Act ( FCPA ) ; The Bank Secrecy Act ( BSA ), The Indenture Trustee Act ( TIA ), the Consumer Financial Protection Act ( CFPA ), the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Fair Debt Collection Practices Act ( FDCPA ), the Federal Trade Commission ( FTC ) Act ; the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), as amended by the Fair and Accurate Credit Transactions Act ; the Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of 2003 ; the Truth-in-Lending Act ( TILA ) ; the Federal Reserve Boards Regulations B and Z ( FRA ) ; the Gramm-Leach-Bliley Act ( GLBA ) ; the Fair Credit Extension Uniformity Act ( FCEUA ), the Racketeering influenced and corrupt Organizations Act 18 section 1962 ( hereinafter referred to as RICO ) ; the Magnuson-Moss Warranty Act ( MMWWA ), the Uniform Commercial Code ( UCC ), state adaptations of the Uniform Consumer Credit Code ( UCCC ), state motor vehicle retail installment sale and loan Acts, state servicing laws ; state insurance laws and other state and federal violations. \nNow know that XXXX, XXXX, XXXX, have revoked, rescinded, annulled, and made void, and by these presents revoke, countermand, annul, and make void the said letter of agency/attorney and all power and authority given or intended to be given to the said XXXX XXXX XXXX XXXX XXXX USAA and it affiliate partners XXXX \n\nTherefore, I also revoke, cancel, and make void ab initio all powers of attorney and substitution, in fact, in presumption, or otherwise, signed by either me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney, and substitution, pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. \n\nWho are you, and under what authority did you, or do you continue to contact me? The fraudulent agreement under which you presume some power is only implied by a simple contract. Again, any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. \n\nUnder your debt scheme, whereas on XXXX XXXX  2023, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Receivables Trust 2023-B, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and USAA engaged in a scheme whereby they issued Auto Loans to consumers and then sought to collect the amounts allegedly due to them that were not legally nor lawfully due/owed to them. \n\nAt all times relevant hereto, XXXX XXXX  XXXX 's primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as \" the securitization '' ) scheme. \n\nIn order to earn securitization income from the Auto Loan securitization, XXXX XXXX  XXXX sold its Auto Loan receivables to the XXXX XXXX Receivables Trust 2023-B. \nThe Auto Loan securitization process is set forth in the amended and restated Pooling and Servicing Agreement ( PSA ) between XXXX XXXX  XXXX, as seller, and the XXXX XXXX  Receivables Trust 2023-B- trustee. A copy of the relevant portions of the PSA is attached hereto, incorporated herein, and marked as EXHIBIT \" A. '' Please note that I did not grant special authority or express agreement to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) to hypothecate my consumer goods/property ( merchandise title ) and intellectual property to collateralize investments on any future or forward markets or the right to sell on commercial paper. \n\nIn addition, XXXX XXXX XXXX  XXXX XXXX F & I Business Manager, General Manager, and Sales Manager stated that an illegal and unlawful down payment of {$2800.00} was required to drive off the car lot. However, the information provided was false and deceptive, violating 17 CFR 240.14c-6 : False or misleading representations. \n\nMoreover, you are under obligation to pay for goods and/or services ( securities/assets ) that you have fraudulently acquired on an open account from XXXX, XXXX, the Natural Living Woman consumer credit, the producer of the economic value for the transaction, and the supplier of the goods for exchange/trade. \nYou have undeniably committed fraud through misrepresentation and forgery of a registered security in your debt scheme under USAA secured financing after purchasing my asset under the credit transaction and restating your accounts payable liability arising out of the loan contract, having purchased my security as a fictional customer deposit, which is your current liability owed to XXXX, XXXX, the Natural Living Woman in your balance sheet. The Securities Exchange Act of 1934 and Sections 11, 12, and 15 of The Securities Act of 1933 provide liabilities under the federal securities laws. EXHIBIT \" B. \n\nXXXX XXXX  XXXX 's primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as \" the securitization '' ). \n\nSection 10 ( b ) of the Securities Exchange Act prohibits the use of any manipulative or deceptive device or contrivance in contravention of rules prescribed by the SEC in connection with the purchase or sale of any security or security-based swap agreement. Furthermore, the antifraud rule, Rule 10b5 ; Rule 10b5 prohibits use of any means of interstate commerce to ( a ) employ any device, scheme, or artifice to defraud, ( b ) make material misstatements or omissions, or ( c ) engage in any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person, in connection with the purchase or sale of any security. \n\nPlease take note that Rule 10b5 can be enforced by the SEC in injunctive and civil penalty actions, brought pursuant to 21 ( d ) of the Exchange Act, and by the Justice Department in actions pursuant to 32 ( a ) of the Exchange Act, which imposes criminal liability for willful violations of the Exchange Act. \n\nSection 11 ( a ) makes specified persons liable for any untrue statement of material fact in a registration statement or any omission of any material fact required to be stated in a registration statement or necessary to make statements therein not misleading to any person acquiring the relevant security unless the acquirer knew of such untruth or omission at the time of the acquisition. \n1. Persons Liable If a registration statement is false or misleading, 11 ( a ) makes liable : a. the issuer; b. the directors of the issuer ; c. persons named, by their consent, in the registration statement as about to become directors of the issuer ; d. every person who signs the registration statement ; e. every expert ( e.g., accountant, engineer, appraiser, etc. ) who is named by consent as having certified or prepared any part of the registration statement ; and f. every underwriter of the relevant security. \n\nDue to the Unethical Deceptive Practices Acts of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX I demand to be immediately compensated and demand you to perform upon my underlying obligation, which you unlawfully hold in custody or bailment. You are to immediately refund me the value of my securities and the percentage of proceeds realized from monopolizing my species of goods in restraint of trade due to Securities Fraud committed by the parties as evidenced by Certified Forensic Audit. Transfer the securities to my Treasury Direct Account ( TDA ) # XXXX. \n\nI retain exclusive rights and jurisdiction as the source of the authority, having manufactured the value as I am the holder in due course of the instrument ( s ). Refer to Uniform Commercial Code 3-302. HOLDER IN DUE COURSE and 16 CFR Part 433.2- Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.\n\nUCC 9-311. PERFECTION OF SECURITY INTERESTS IN PROPERTY SUBJECT TO CERTAIN STATUTES, REGULATIONS, AND TREATIES.\n\n( a ) [ Security interest subject to other law. ] Except as otherwise provided in subsection ( d ), the filing of a financing statement is not necessary or effective to perfect a security interest in property subject to : ( 1 ) a statute, regulation, or treaty of the United States whose requirements for a security interest 's obtaining priority over the rights of a lien creditor with respect to the property preempt Section 9-310 ( a ) ; ( 2 ) [ list any statute covering automobiles, trailers, mobile homes, boats, farm tractors, or the like, which provides for a security interest to be indicated on a certificate of title as a condition or result of perfection, and any non-Uniform Commercial Code central filing statute ] ; or ( 3 ) a statute of another jurisdiction which provides for a security interest to be indicated on a certificate of title as a condition or result of the security interest 's obtaining priority over the rights of a lien creditor with respect to the property. \n\nI require you to render a receipt for payment of my canceled and paid-in-full payment instrument acknowledging account settlement and payment adjustment as you, the true Debtor ( s ) are delinquent in payments, taxes, insurance, customs, and duties due to me. \n\nFurthermore, I demand that XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate partners return to me every dollar of my labor placed upon your books and all payday loans plus interest I have ever paid to you for the duration of the fraudulent agreement. \n\nIn addition, I demand that USAA remove the bogus lien placed against my consumer goods immediately and convey the title to my consumer goods back to XXXX, XXXX, XXXX : Natural Living Woman. \n\nMoreover, I demand that XXXX XXXX XXXX  XXXX XXXX and USAA release my CUSIP NUMBER IMMEDIATELY. Albeit the CUSIP number was obtained in a Certified Forensic Audit, I am considering filing a claim for my STOLEN UNITED STATES REGISTERED SECURITIES with the Department of the Treasury Bureau of the Fiscal Service as there is a Treasury Direct Account for XXXX, XXXX, Natural Living Women. \n\nDue to the securities fraud committed on behalf of the actors and actresses and the defects associated with security interest of the XXXX XXXX XXXX # XXXX, which is currently under investigation by the National Highway Transportation Safety Administration ( NHTSA ) Office of Defects Investigation due to a severe automobile accident that occurred on XX/XX/XXXX, that resulted in severe injuries to the consumer for the Negligent and Intentional Infliction of Physical Emotional and Financial Distress, I demand compensatory and punitive damages against XXXX XXXX  XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) jointly and severally, in an amount in excess of {$150000.00} ( XXXX XXXX and XXXX XXXX dollars ) EXHIBIT \" C. '' Pursuant to the MagnusonMoss Warranty Act, any warrantor warranting a consumer product to a consumer by means of a written warranty must disclose, fully and conspicuously, in simple and readily understood language, the terms and conditions of the warranty to the extent required by rules of the Federal Trade Commission. The FTC has enacted regulations governing the disclosure of written consumer product warranty terms and conditions on consumer products that actually cost the consumer more than {$15.00}. The Rules can be found at 16 C.F.R. Part 701. Under the terms of the Act, ambiguous statements in a warranty are construed against the drafter of the warranty.\n\nUnder a full warranty, in the case of a defect, malfunction, or failure to conform with the written warranty, the warrantor : can remedy the consumer product within a reasonable time and without charge. \nmay not impose any limitation on the duration of any implied warranty on the product.\n\nmay not exclude or limit consequential damages for a breach of any written or implied warranty on the product unless the exclusion or limitation conspicuously appears on the face of the warranty ; and If the product or a component part contains a defect or malfunction, the consumer must be permitted to elect either a refund or replacement without charge after a reasonable number of repair attempts. \n\nIn addition, the warrantor may not impose any duty, other than notification, upon any consumer as a condition of securing the repair of any consumer product that malfunctions, is defective, or does not conform to the written warranty. However, the warrantor may require consumers to return a defective item to its place of purchase for repair. The MagnusonMoss Warranty Act does not invalidate or restrict any right or remedy of any consumer under any other federal law, nor does the act supersede the Federal Trade Commission Act as it pertains to antitrust actions. \n\nTherefore, Pursuant to the MagnusonMoss Warranty Act, I demand a full replacement of the vehicle of my choosing within three business days with a free and clear title along with the value of the vehicle for my valuable consideration of a fraudulent conveyance delivered to the address XXXX XXXX XXXX, XXXX, GA XXXX Monday-Friday between the hours of XXXX XXXX XXXX. \nChoice 1 ) : XXXX ; Choice 2 ) : XXXX ; Choice 3 ) : XXXX. \n\nXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) can provide the requested information and document at the location listed below due to your deceptive acts in committing Identity Theft, forgery, wire fraud, concealment, conspiracy, and securities fraud. You are NOT the CREDITOR, as the Rescission Notice effectuates satisfaction of my security interest and cancellation of the security agreement. \n\nI make a demand upon USAA to IMMEDIATELY cease furnishing inaccurate account information to all credit bureaus regarding the consumer named herein and permanently remove the bogus account item from the credit file as you are NOT the creditor, rather the Debtor since having committed identity theft, concealment, fraud, conspiracy, securities fraud, wire fraud amongst other federal crimes, therefore, causing, the consumer, a commercial disparagement. \n\nYou are prohibited from using, selling, transferring, or assigning the consumer 's non-public personal information, including my social security account number, to any parties and permanently deleting any record/information of the consumer named herein from your database and/or repositories. \n\nPursuant to the mandatory Prospectus filed with XXXX, the following documents incorporated by reference and the Part of Form 10-K ( e.g., Part I, Part II, etc. ) into which the document is incorporated : ( 1 ) Any annual report to security holders ; ( 2 ) Any proxy or information statement ; and ( 3 ) Any prospectus filed pursuant to Rule 424 ( b ) or ( c ) under the Securities Act of 1933. SEC Form 424B2 is the prospectus form that a company must file if it is making a primary offering of securities on a delayed basis. It is an important part of the initial public offering ( IPO ) process. Rule 424 ( b ) or ( c ) are required to file SEC Form 424B2 because of Rule 424 ( b ) ( 2 ) of the Securities Act of 1933. This act was created to protect investors by requiring securities issues to file detailed information with the Securities and Exchange Commission ( SEC ) before selling new securities to the public. There are many other disclosures and preparations that companies need to follow in order to carry out an IPO. SEC Form 424B2 is often used in the event of a delayed offering and discloses transaction-specific data such as the public offering price ( POP ).\n\nPer the Certified Forensic Audit, no Assignment was made as required by the Prospectus. Examiner recommends immediate pro-duction of document and review of all purchase documents and then notarized Agreement endorsements among all relevant parties. \n\nPlease note that the Treasury/Internal Revenue Service Form 56-Notice Concerning Fiduciary Relationship ; Form 8300-Reports of Cash Payments Over {$10000.00}, SF 28-Affidavit of Individual Surety, FOIA for IRS W8 will be filed and presented to the Treasury Department along with Form 3949-A Department of the Treasury-Internal Revenue Service Information Referral, Form op 90, and Form op 91 for claims against each individual actor and or actors estate due to the identity theft, restraint of trade, and deprivation of rights along with this letter, documents, and complaints to the Department of Justice.\n\nLastly, be advised this notice, along with affidavit ( s ), will be given to the Health and Human Services of the city of XXXX as the Regional Office 4 for the state of Georgia for the administration of the consumers and proper administration and enforcement through and by the office of the GENERAL COUNSEL for Legal enforcement as to the social security number XXXX XXXX XXXXXXXX ] for the matter of my estate. \n\nIn addition, all rights have been reserved for the delivery of an inability affidavit for tender of payment of any kind FOR THE CONSUMER due to the legal hardship under the BAR, their members, and associations. \n\nI hereby affix my non-negotiable autograph with explicit reservation of all my unalienable rights and my specific constitutional rights not to be bound by any contract or obligation that I have NOT entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion. \n\nPlease be advised and note that pursuant to Regulation Z 12 C.F.R. 1026, Right of Rescission, I rescind my consent to be liable or compelled to perform, therefore deducting my liability within this consumer transaction. \n\nIn addition, criminal fraud, forgery, identity theft, and fraudulent property conversions have NO statute of limitations. I will defend against and seek EVERY actor and actress in obtaining remedy for deprivation of my rights, privileges, and/or immunities secured by the FDCPA against ALL liable parties. \n\nAs a courtesy to obtain an expedited resolution to this matter, I will wait 3 business days before filing actions with ALL governmental entities to obtain my remedies. Failure to comply with my demands will result in liens and filings in the Court of Chancery, criminal prosecution, and revocation/termination of licenses. \n\nPlease keep in mind that I DO NOT HAVE TO SIGN a non-disclosure agreement known as ( NDA ) that would constitute bribery. However, I am willing to make an exception if and ONLY IF ALL of my demands are fully met. \nFurthermore, the down payment reimbursement and ALL funds shall be made VIA check IMMEDIATELY payable to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, GA XXXX Best Regards, COPYRIGHT SIGNATURE RESERVED XXXX, XXXX [ Principal ] -All Natural Rights Reserved All Rights Reserved without Prejudice ( UCC1207/UCC1308 UCC 1103 ) Please address all future correspondence in the matter to Natural Living Human ; Natural Living Person XXXX [ First Name ] : [ XXXX ] the [ Family Name ] : XXXX, as commonly called via email or U.S.P.S Mail. \n\n\nFHFA/DOJ COMPLAINT FILED REPORTING FRAUD AND RETALIATION FOR EXERCISING RIGHTS AND FAILURE VIOLATING AND DISCRIMINATING VICTIM 'S RIGHTS","date_sent_to_company":"2024-02-14T21:50:29.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"30291","tags":"Servicemember","has_narrative":true,"complaint_id":"8343459","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2024-02-14T21:50:27.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["YOU are to cease further communication with me regarding the <em>collection</em> of such alleged debt regarding forged <em>security</em>."],"product":["Debt <em>collection</em>"]},"sort":[8.6794615,"8343459"]},{"_index":"complaint-public-v1","_id":"5803512","_score":8.462034,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"For the past 4 months Navy Federal has let me repeatedly apply for loans while hiding the fact that they knew there were 2 fraudulent marks on my credit file, as well as hiding that fact while still voluntarily giving me the opportunity to apply for as many loans as I wanted. I confirmed to them after i applied for a XXXX $ personal loan. Navy Federal strained away from explaining their debt collection even after the 5th denial and explained to them that they read information from a false report due to XXXX breach They blatantly also froze me out of my business account. I haven't been able to get a response from me informing them about the XXXX that was fraudulent around this time last year. I'm getting evicted, don't have transportation to get to the doctors since XXXX and illustrated to them records for proof for a compromised immune system. I was on hold for a hour and 30 min after informing them that they based their denial for atleast XXXX loans on fraudulent reports from the credit bureaus. Notice to principal and principal to notice. Without the recent XXXX breach I would have continued to put applications in, lack of the representative knowing that they also were known to be a credit repair agency. Upon taking courses in Information analysis and fraud investigation I decided to look this matter, in depth to see why I have all this resistance. With all 12 loans Ive applied for, under confusion, and the withholding of letting me know that there were 2 fraudulent marks on my report one for 7 years and one for 1 year that they disclosed amongst themselves. I brought this to attention. Upon gaining vital knowledge I learned that Credit reports pertain to the XXXX XXXX XXXX, I'M XXXX : XXXX will be putting every company that has my information from the birth hospital in XXXX to the secretary of State of New York about the downfall and the conspiracy to defraud me... \n\nThe 12 loans I applied I'm still waiting for Navy Federal to Prove the debt belonged to me this proceeding will be addressed in front of an administer and XXXX will de addressed for claimaint. Let XXXX be the representation of the first company going on notice that XXXX and credit reports have made me realize that this isn't even real. I've lost my business due to Navy Federal not realizing that they are a credit reporting company, that tried to completely keep me from my estate, as well as going agaisnt, their fiduciary duty to help military members and their ( Dependents ). My mother has been here since 1998. Navy Federal has triumph my reputation. Ive lost my business, as well as stopped going to school for health administration due to all the fraudulent claims from consumer protection. I ask if they can not provide ( Real ) proof than I request the privilege to take in my possession The XXXX XXXX that's been added to my insurance since the first loan application out of 5 applications for the same product as well as the funds for denial of the mortage loan. Contracts are not a debt proof it only points to depth, points to the underlying scams going on with my name. As well as grantment for the mortage and the car loan I would ask Navy Federal to process my XXXX lien-security. I dont lie I love to help people since I been in the XXXX field, upon sitting home Ive managed to open up 2 more different savings accounts from Navy Federal to increase my relationship with them as well as maxing my credit card by adding XXXX $ to my credit report as well as close a XXXX promissory loan with no late payments on my credit card, no late payments on any account. So fraudulent it seems or are they connected to the members trading my information on the U.S. treasury as well on fidelity. I thank you Navy Federal for revealing to me what entities do behind closed doors, fortunately I still wan na help people as well as keep the economy successful but how when its own bank entities are trying to defraud me, there is no Trust here and accounts should be closed after the following monetized payments be made, according to law. Actual damages XXXX my eidl loan was estimated to be this amount but due to the constant lies and hardships due to the fidicuaries duty. Notice to principal principal to notice. 1st Entity. I will forward this to all secretary and U.S. secretary 's of the state so","date_sent_to_company":"2022-07-24T05:06:20.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"13601","tags":"Servicemember","has_narrative":true,"complaint_id":"5803512","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2022-07-24T00:05:49.000Z","state":"NY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Credit denial"},"highlight":{"complaint_what_happened":["I will <em>forward</em> this to all secretary and U.S. secretary 's of the state so"]},"sort":[8.462034,"5803512"]},{"_index":"complaint-public-v1","_id":"6643840","_score":8.404679,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have reached out to XXXX, XXXX and XXXX, XXXX XXXX and Equifax about the improper use of my credit report. They have continued to report fraudulent and felonious information. They use my information regardless of federal law 15 US code 1692E 15 US code 1692c I have spoken with representatives in the fraud department there at XXXX. They continue to remove and then place items back on my consumer report. This is an omission of guilt. I have not only sent over to Equifax, XXXX, XXXX XXXX, and XXXX as well as XXXX copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint TEXAS state Attorney Generals complaint and TEXAS XXXX OF XXXX XXXX COMMISSIONERS complaint with a sworn affidavit of truth, I asked again of the CFPB TO truly look into the many violations of the FCRA 15 USC 1681b permissible purpose 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, 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 of the dispute from the consumer or reseller. XXXX card which has an amount of $ {$30000.00} ( XXXX XXXX XXXX XXXX XXXX  card account XXXX date XX/XX/XXXX amount {$30000.00} ) XXXX  acct # XXXX date XX/XX/XXXX FRAUD INFORMATION ( INQUIRIES ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fraudulentnames ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Address ) XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT XXXX XXXX NUMBER Dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX AMOUNT DATE OPENED XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1692c ( b ) 15 US.. code 1681s-2 Responsibilities offurnishers of information to consumer reporting agencies. 15 U.S. code1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S.code 16811- procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley Act.these are all the federal violations and state violations as well I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729- 3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX EQUIFAX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX XXXX XXXXXXXX XXXX XXXX EQUIFAX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.ALSO 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( 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}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt listed or names or addresses XXXX XXXX XXXX XXXX XXXX card account XXXX date XX/XX/XXXX amount {$30000.00} ) XXXX acct # XXXX date XX/XX/XXXX FRAUD INFORMATION ( INQUIRIES ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fraudulentnames ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Address ) XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT XXXX XXXX NUMBER Dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX AMOUNT DATE OPENED XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1692c ( b )","date_sent_to_company":"2023-03-03T18:24:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"787XX","tags":null,"has_narrative":true,"complaint_id":"6643840","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-03-03T18:09:34.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I look <em>forward</em> to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[8.404679,"6643840"]},{"_index":"complaint-public-v1","_id":"6643896","_score":8.385517,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have reached out to XXXX, XXXX and XXXX, XXXX XXXX and XXXX about the improper use of my credit report. They have continued to report fraudulent and felonious information. They use my information regardless of federal law 15 US code 1692E 15 US code 1692c I have spoken with representatives in the fraud department there at XXXX. They continue to remove and then place items back on my consumer report. This is an omission of guilt. I have not only sent over to XXXX, XXXX, XXXX XXXX, and XXXX as well as XXXX copies of my identification copies of the CFPB complaint, FTC complaint, XXXX  complaint TEXAS state Attorney Generals complaint and TEXAS XXXX OF XXXX XXXXXXXX XXXX complaint with a sworn affidavit of truth, I asked again of the CFPB TO truly look into the many violations of the FCRA 15 USC 1681b permissible purpose 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, 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 of the dispute from the consumer or reseller. XXXX card which has an amount of $ {$30000.00} ( XXXX XXXX XXXX XXXX XXXX card account XXXX date XX/XX/XXXX amount {$30000.00} ) XXXX acct # XXXX date XX/XX/XXXX FRAUD INFORMATION  ( INQUIRIES ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fraudulentnames ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Address ) XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT XXXX XXXX NUMBER Dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX AMOUNT DATE OPENED XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1692c ( b ) 15 US.. code 1681s-2 Responsibilities offurnishers of information to consumer reporting agencies. 15 U.S. code1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S.code 16811- procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley Act.these are all the federal violations and state violations as well I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729- 3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX  furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.ALSO 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( 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}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt listed or names or addresses XXXX XXXX XXXX XXXX XXXX card account XXXX date XX/XX/XXXX amount {$30000.00} ) XXXX acct # XXXX date XX/XX/XXXX FRAUD INFORMATION  ( INQUIRIES ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fraudulentnames ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Address ) XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT XXXX XXXX NUMBER Dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX AMOUNT DATE OPENED XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1692c ( b )","date_sent_to_company":"2023-03-03T18:24:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"787XX","tags":null,"has_narrative":true,"complaint_id":"6643896","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CORELOGIC INC","date_received":"2023-03-03T18:24:15.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I look <em>forward</em> to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[8.385517,"6643896"]},{"_index":"complaint-public-v1","_id":"6643897","_score":8.342443,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have reached out to XXXX, XXXX and XXXX, Trans Union and XXXX about the improper use of my credit report. They have continued to report fraudulent and felonious information. They use my information regardless of federal law 15 US code 1692E 15 US code 1692c I have spoken with representatives in the fraud department there at XXXX. They continue to remove and then place items back on my consumer report. This is an omission of guilt. I have not only sent over to XXXX, XXXX, Trans Union, and XXXX as well as XXXX copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint TEXAS state Attorney Generals complaint and TEXAS XXXX XXXX XXXXXXXX XXXXXXXX XXXX complaint with a sworn affidavit of truth, I asked again of the CFPB TO truly look into the many violations of the FCRA 15 USC 1681b permissible purpose 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, 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 of the dispute from the consumer or reseller. XXXX card which has an amount of $ {$30000.00} ( XXXX XXXX XXXX XXXX XXXX card account XXXX date XX/XX/XXXX amount {$30000.00} ) XXXX acct # XXXX date XX/XX/XXXX XXXX XXXX ( INQUIRIES ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fraudulentnames ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Address ) XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT XXXX XXXX NUMBER Dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX AMOUNT DATE OPENED XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX. FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1692c ( b ) 15 US.. code 1681s-2 Responsibilities offurnishers of information to consumer reporting agencies. 15 U.S. code1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S.code 16811- procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley Act.these are all the federal violations and state violations as well I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729- 3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX TRANSUNION for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX TRANSUNION XXXX XXXX XXXX XXXXXXXX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.ALSO 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNIONXXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( 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}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt listed or names or addresses XXXX XXXX XXXX XXXX XXXX  card account XXXX date XX/XX/XXXX amount {$30000.00} ) XXXX acct # XXXX date XX/XX/XXXX XXXX XXXX ( INQUIRIES ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fraudulentnames ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address ) XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT XXXX XXXX NUMBER Dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX AMOUNT DATE OPENED XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1692c ( b )","date_sent_to_company":"2023-03-03T18:24:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"787XX","tags":null,"has_narrative":true,"complaint_id":"6643897","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-03-03T18:24:15.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I look <em>forward</em> to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[8.342443,"6643897"]},{"_index":"complaint-public-v1","_id":"3803657","_score":8.288405,"_source":{"product":"Mortgage","complaint_what_happened":"As stated below I am complaining about blatant violations of Subtitle E Mortgage Servicing of the Dodd-Frank Wall Street Reform and Consumer Protection Act and Pursuant to 12 U.S.C. 2605 ( e ) ( 1 ) ( A ) and Reg. X 3500.21 ( e ) ( 1 ). The prospective respondents to this complaint are Select Portfolio Servicing, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. Each of them acting individually and in concert with the others pursued collection of a debt that they knew did not exist. Their collective failure to respond to my questions regarding the status and ownership of their claim corroborates that conclusion. \n\nThe foreclosure was pursued in the name of XXXX XXXX XXXX XXXX, as trustee for XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX acting but never asserting status as beneficiary under the deed of trust. Concealed from me was a web of deceit and fraud. None of those entities or implied entities ever had any ownership or authority to administer, collect or enforce my loan, which had been retired contemporaneously with origination in a concealed scheme that eliminated the loan account and eliminated the role of any lender, creditor or successor. \n\nXXXX XXXX and XXXX XXXX XXXX XXXX, acting by and through their subsidiary, Select Portfolio Servicing claim that SPS is authorized to act as servicer on the account but they refuse to identify on whose behalf such servicing occurs or to establish the status of the debt or its ownership such that their claim of authority could be known or corroborated. \n\nThe foreclosure proceedings were conducted on behalf of an entity that did not comply with a basic condition precedent in all U.S. jurisdictions -- - that the claimant must own the debt by reason of having paid for it. A mortgage or deed of trust is not subject to enforcement except by the owner of the debt. And the only way a party can own a debt under our current laws, is by paying for it. See Article 9 203 Uniform Commercial Code as adopted in all states.\n\nEach of the above parties was a participant in an illegal scheme for profit that was masquerading as an action to recoup money for a debt that had in fact already been paid and eliminated from the records of all participants as a receivable or asset. During the whole time that the loan account referred to above was subject to claims or rights of administration, collection and enforcement the debt had been retired through a parallel scheme that was falsely labeled as securitization. \n\nBased upon both their refusal to answer and my own independent research, I assert that their refusal is the result of one simple fact : the loan account does not exist on the books or records of any entity as an asset of that entity. Their refusal to answer repeated inquiries about ownership of the debt corroborates my present belief that the loan was actually extinguished contemporaneously with the origination, with all parties free from any risk of loss, resulting from an influx of money from the creation, issuance, sale and trading of securities that derived their value from data about my loan. \nSuch proceeds were never disclosed at origination, never disclosed in statements to me, and never allocated to the reduce any loan account because there is no loan account on the books or records of any company that claims ownership of the account. This fact was covered up by Select Portfolio Servicing who falsely claimed to be a servicer for XXXX XXXX and who participated in the fabrication of partial records showing payment history but not the establishment of the debt or who was receiving payments I made on what I thought was an existing debt. SPS never performed any servicing functions for XXXX XXXX because there were no activities that were managed, controlled or owned by XXXX XXXX. \n\nBased upon my independent research the absence of the above account on the books of any entity or person is the result of using parallel business schemes in which the debt was satisfied and therefore no account could be credited with either my payments or the proceeds of sale of my homestead. Therefore, their current attempt at collection, administration or enforcement is strictly for profit and not to pay a debt that has already been satisfied in full and eliminated. \n\nPrior to writing statutory letters seeking the specific information about the status and ownership of my transaction or obligation I had not received any answers to my previous questions regarding the identity and contact information for the entity claiming ownership of my obligation. \n\nI then sent a Qualified Written Request under the Real Estate Settlement and Procedures Act and Debt Validation Letter under the Federal Uniform Debt Collector Procedures Act to the self-proclaimed servicer, copies which are being uploaded to your agency as part of this complaint. \n\nThere has been no response whatsoever to the questions that were asked about the status and ownership of my obligation. Analysis from leading experts in securitization of debt have informed me that claims of securitization of my transaction are false. My loan was never sold to anyone and therefore could not have been securitized. No such transaction ever occurred. The documents upon which lawyers for these players rely are fabricated for enforcement and contain false statements and false implied facts as to ownership and authority over the obligation and its administration, collection and enforcement. \n\nMy complaint is that I am being forced to defend myself and my property from false claims and being forced to communicate with companies that have no financial interest in my loan and who refuse to provide any information that would me to determine the status and ownership of what I thought was a loan. \n\nBased upon expert advice corroborated by the lack of response from anyone claiming to be in the chain of ownership of the underlying obligation or anyone claiming to own the right to administer, collect or enforce my obligation, I am left with the standing inference that there is no such party and that the securitization scheme involved issuing, selling and trading securities deriving apparent value from third party promises arising out of data rather than ownership of my obligation. \n\nThe refusal to answer the most basic questions regarding the status and ownership of the obligation also leaves me without access to anyone with actual legal authority to administer, collect or enforce my obligation. \n\nNotwithstanding the above, the self-proclaimed ( and I now know to be unauthorized ) servicer continues to act as though it has the authority to administer, collect and enforce -- - although they refuse to say for whom. I now doubt whether payments that were made by me were ever forwarded to anyone who had paid value for my obligation in exchange for a conveyance of ownership of my debt. In fact, based upon expert analysis and the failure to provide any response, I now believe that no such party exists and that no loan receivable account is currently maintained on the books and records of any company -- - because all the players have already been paid in full for their services or contribution and the investors who supplied capital continue to get paid by the investment banks regardless of whether or not I make payments to anyone. \n\nWithout knowing the identity of the party, if one exists, who paid value in exchange for ownership of the debt, it is impossible to validate the status of the debt or its ownership and therefore impossible to validate the authority of any servicer or lawyer who is asserting or implying they represent such a party. \n\nBased upon current information the XXXX XXXX companies were the bookrunner investment bank that created, issued and sold certificates to presently unknown investors. Those certificates represented unsecured liability of XXXX XXXX doing business as an undisclosed and concealed trust name. \n\nThe transaction was originated and presented as a loan. The advertised originator was XXXX. the actual existence of XXXX is in doubt -- - i.e., unresolved : On XX/XX/XXXX the followingannouncementwas made : XXXX XXXX ( XXXX ) -- XXXX XXXX XXXX, XXXX XXXX 's {$12.00} XXXX hedge fund firm, agreed to buy bankrupt subprime mortgage lender XXXX XXXX XXXX on Tuesday, topping XXXX XXXX in an auction. \nXXXX is one of several subprime lenders to have collapsed in recent months. Subprime loans are offered to borrowers with spotty credit and lower incomes. The sector has descended into crisis as interest rates climbed from record lows and delinquencies increased.See full story. \nXXXX, which was a top 20 subprime mortgage lender, filed for bankruptcy in XXXX. In its filing, the firm said it planned to sell most of its assets to XXXX XXXX, +1.20 % for {$19.00} million.See full story. \n\nDespite having originated several XXXX XXXX dollars ( perhaps billions of dollars ) worth of loans it was only worth {$24.00} XXXX including goodwill, customer lists, and fees receivable -- - and nothing for loans receivable -- - which basically means that there was nothing paid for loans despite some announcements later that made it appear as though {$160.00} XXXX in loans had been purchased from XXXX. Its schedules in bankruptcy are devoid of any such claims of asset value associated with loans receivable because there were no loans receivable. There were only fees receivable. The conclusion in which we have extremely high confidence is that no loans were owned by XXXX ( nor MERS on its behalf -- - see below ). It therefore could not have and did convey any interest in loans it did not own. \n\nThe only company in existence with a business reason to make any acquisition of XXXX assets or business was XXXX XXXX who had an interest in preserving the illusion of loan accounts even if they were not actually owned by XXXX or XXXX XXXX. By preserving the illusion of unpaid loan accounts, it was able to pursue enforcement and collection of debts that appeared to have been unpaid. \n\nAlthoughXXXX had some licenses, it was basicallyacting in two roles : ( 1 ) mortgage broker and ( 2 ) sham conduit for loan instruments ( mortgage and note ). It did in fact act as a mortgage brokerand it appears this was XXXX front for securities brokerage firms -- - XXXX XXXX or XXXX XXXX XXXX XXXX in coordination with XXXX XXXX XXXX. They in turn were acting both as intermediaries and intervenors between the borrowers and the actual source of lending -- - investors ( Pension funds etc. ) who purchased certificates that were actually unsecured promises to pay scheduled payments backed not by mortgages and notes but by the good faith and credit of XXXX XXXX and XXXX XXXX. \n\nHence the investors put up the money and while ordinarily they would have received interests in the loan documents and collateral, they received neither. Neither the certificates nor the holders of certificates issued in the name of the inchoate trust received or conveyed any interest in the subject debt, note or mortgage. Acting as a mortgage broker does not entitle such a company to appear as Payee on a promissory note nor mortgageeor beneficiaryon a mortgage or deed of trust. \n\nMortgage Electronic Registration Systems, Inc. ( MERS ) appears in the title chain as though it means something. At best MERS is the agent of XXXX. In other words, under the best-case scenario MERS was an agent for an agent with no known principal because none was disclosed. The highest probability is that XXXX had no official role as agent for anyone and therefore the MERS agency was merely to create the illusion of a facially valid paper trail which was not based upon any real transactions -- -- i.e., XXXX never loaned me money and MERS had no greater power to assign the mortgage rights than XXXX, as \" principal '' did. \n\nThe Notice of Appointment of Substitute or Successor Trustee is void as a matter of law. Such an instrument may only be authorized by a party who is in fact qualified as a beneficiary under the deed of trust. Under state law such a party must own the debt and be the party to whom the debt is owned and implicitly that means the party who has previously been paid and who will be paid upon liquidation of the property in the forced sale of the premises. In fact, XXXX XXXX has never received any payments and never will receive any payments in foreclosure or through any other means. It is a straw man acting as though it is trustee for a trust that does not in actuality exist or which is, in legal terminology, inchoate ( sleeping ). In plain language unless the sale will go to pay down the debt, the action is not really a foreclosure despite the labels being used. \n\nIt follows both logically and legally that any action undertaken by XXXX XXXX XXXX as Successor trustee are void -- - this conclusion is unavoidable unless some sort of ratification occurred -- - somehow a party who paid value for the debt comes forward to make that assertion and warranty and who can prove it.. \n\nNote that the notice of appointment of successor trustee does NOT state it is executed on behalf of a trust. It is actually impossible to determine the actual party on whose behalf the instrument was executed -- - XXXX XXXX, XXXX, XXXX XXXX, some implied trust? \n\nThe assignment dated XX/XX/XXXX is a backdated, fabricated forged and robosigned instrument having no effect whatsoever. XXXX had long since gone out of business ( 6 years ) and MERS was merely an agent for XXXX. The signer was employed by neither XXXX nor MERS.  The signer is a known example of facsimile signatures used on robosigned documents -- - i.e., documents signed in the name of persons who have not even seen the document much less understood it or knew what was in it and notarized in like manner. The signer is believed to have been employed by Select Portfolio Servicing whose sole function was to pose as an authorized servicer without any real authority to do so. \n\nThe same deficiencies exist for the XXXX appointment of successor trustee. It is a void, forged, backdated, robosigned document on behalf of entities who have no financial interest in the loan other than the expectation of revenue. The title of document control officer is a cover for the fact that the person does nothing other than sign documents put in front of them or permit the use of a stamped signature bearing a facsimile of their signature. Such persons have no personal knowledge of the contents, who prepared the documents, the authority for signing or anything else. \n\nThe XXXX Limited Power of Attorney ( LPOA ) falls into the same category. The grantor, XXXX XXXX had no power to grant such a power of attorney over the subject loan because it was not authorized by the owners of the subject debt to administer the subject loan in any way and in fact never did so. While the grantee may have received some authority to act on behalf of XXXX XXXX, said authority was unrelated to administration of the subject loan. Further the LPOA is contrary to industry practice in banking or investment banking. Powers of attorney are not used in business transactions without specific agreements on the scope of duties, rights and obligations. Those would be included in a servicing agreement which has never been revealed or referenced by SPS.. \n\nSelect Portfolio Servicing, Inc. ( SPS ) is a loan servicing company founded in XXXX as XXXX XXXX XXXX with operations in XXXX XXXX XXXX, Utah and XXXX, Florida. Filings with the Utah SOS and SEC would more accurately confirm that XXXX XXXX XXXX was created as a Utah company in XXXX. \n\nXXXX XXXX ( the parent company of XXXX XXXX ) was owned in part by XXXX XXXX XXXX XXXX, and bond XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX agreed to pay {$40.00} XXXX to settle with the FTC and the U.S. Department of Housing and Urban Development ( HUD ), [ 1 ] which charged them with engaging in a number of unfair, deceptive, and illegal practices in the servicing of subprime mortgage loans. The Commission distributed the {$40.00} XXXX as redress to affected consumers. The settlement also imposed a number of specific limitations on XXXX ability to charge fees and engage in certain practices when servicing mortgage loans. In early XXXX, XXXX changed its name to Select Portfolio Servicing , Inc. and SPS Holding Corp. \nXXXX changed its name to Select Portfolio Servicing effective XX/XX/XXXX according to its Articles of Amendment. \n\nIn XXXX, Select Portfolio Servicing was purchased by XXXX XXXX, a financial services company, headquartered in XXXX, XXXX. According to a Securities and Exchange Commission report ( XXXX : XXXX ) filed XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ),  XXXX now known as XXXX XXXX, purchased Select Portfolio Servicing and its parent holding company for {$140.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX [ 2 ] included \" the acquisition of Select Portfolio Servicing, a mortgage servicing company. '' Even though the debt was retired contemporaneously with origination, the respondents referred to above have acted in concert to seek enforcement as though it was unpaid -- - and to limit their own exposure in third party contracts that were based on data arising from my transaction and others. \n\nIt has taken me years to accumulate the data to arrive at the truth of this matter. You are the agency tasked with stopping illegal behavior and making sure that it doesnt happen again to me or anyone else. Because the scheme is very complex, they continue to escape detection and they avoid fines, penalties and injunction for their activities in turning foreclosure nightmares into their profits and fees. \n\nIf anything in this complaint is wrong then it should be easy to establish that -- - not with a denial but with proof of the existence of a valid accounting entry on the books and records of some entity in accordance with generally accepted accounting principles. They either paid value in exchange for a conveyance of ownership of the underlying obligation or they didnt. If they did, and they maintained the account as an asset receivable then I am wrong. If they didnt, they should be subject to every possible liability. \n\nSincerely,","date_sent_to_company":"2020-08-19T15:16:13.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"63368","tags":null,"has_narrative":true,"complaint_id":"3803657","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2020-08-19T14:50:53.000Z","state":"MO","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["Therefore, their current attempt at <em>collection</em>, <em>administration</em> or enforcement is strictly for profit and not to pay a debt that has already been satisfied in full and eliminated. \n\nPrior to writing statutory letters seeking the specific <em>information</em> about the status and ownership of my transaction or 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