{"took":177,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":261,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3344931","_score":20.248262,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian recently investigated a bankruptcy that has appeared on my credit report for more then 5 years, having been provided a document from the original creditor that reported the item, as identified by Experian, XXXX XXXX third party provider. With that document in hand, Experian reported that they verified the item is mine, but in alternate, having been provided documents from the social security administration of the only provided name identification with my social security number, Experian decided on its own to add names to my file without factual verification. In addition due to the unsecurity of the credit reporting system of Experian during the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019, Experian has allowed some person or entities to run my credit, access my credit, or gain access illegally without permissible purpose over 65 times, when addressed with Experian their tag line is with permissible purpose, but having been unable to provide a credit application signed to give such access. In fact having contacted each of the entity, no credit application of signature available, each indicated that such was performed by phone or by the internet, without identifying verification. Experian is operating a lying dispute process, and a credit reporting company that allows access, without verification of its vendors.","date_sent_to_company":"2019-08-19T05:34:00.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29229","tags":"Servicemember","has_narrative":true,"complaint_id":"3344931","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-08-19T01:21:19.000Z","state":"SC","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":["With that document in hand, Experian reported that they verified the item is mine, but in alternate, having been <em>provided</em> documents from the social <em>security</em> <em>administration</em> of the <em>only</em> <em>provided</em> name <em>identification</em> with my social <em>security</em> number, Experian decided on its own to add names to my file without factual verification."]},"sort":[20.248262,"3344931"]},{"_index":"complaint-public-v1","_id":"3283702","_score":18.79656,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am a XXXX XXXX on an XXXX visa. I have established credit since living in the United States and have credit files with all three major bureaus. I have obtained and reviewed my credit report from XXXX  and XXXX and they are complete and accurate. \n\nMy credit report with Equifax is incomplete as it does not contain my Social Security Number. As such, potential lenders are unable to verify my identity using my identification as there is no match on my SSN. I have raised a number of disputes with Equifax, in which they requested that I provide valid proof of identification in the form of a copy of my social security card and my drivers license. \n\nThe first three disputes did not result in the inclusion of my SSN and did not mention it in the results of the dispute. \n\nThe most recent and final dispute raised in XX/XX/2019 resulted in Equifax writing to tell me that \" The worker ID number is not issued by the social security administration as a social security number and can not be added to your Equifax file. '' I phoned Equifax who informed me having reviewed the documents that they did not consider my Social Security card to be a valid Social Security Number. I believe this relates to text on my Social Security card stating that the number is \" valid for work only with DHS Authorization '', as it relates to my status as a non-resident alien which requires a visa in order to continue residing and working in the United States.\n\nThat being said, it remains a valid social security number and is used by my employer, lenders, and the IRS as a means to identify me. It is included within the 'Social Security Number ' box on my W2 and on my tax return. \n\nEquifax have been unable to provide any suggested resolution to this matter - their only suggestion was to visit the social security office to have that text removed from the card. This is not possible, since the text is required as it relates to my status in the United States. \n\nThe issue has prevented me from obtaining credit in certain circumstances. I do not believe it is unreasonable to ask for my SSN to be added to my credit file ensuring it is complete, as the other credit bureaus have. I have provided documentary evidence of my SSN in good faith and believe Equifax should act on this information to avoid discriminating against me due to my status as a non-resident. \n\nMy lenders each report my SSN on my file and it is therefore listed as a \" SSN variation '' on my file, but that does not allow it to match when a potential lender is attempting to verify my identity.","date_sent_to_company":"2019-06-22T19:38:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77004","tags":null,"has_narrative":true,"complaint_id":"3283702","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-06-22T19:26:36.000Z","state":"TX","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["My credit report with Equifax is incomplete as it does not contain my Social <em>Security</em> Number. As such, potential lenders are unable to verify my identity using my <em>identification</em> as there is no match on my SSN. I have raised a number of disputes with Equifax, in which they requested that I provide valid proof of <em>identification</em> in the form of a copy of my social <em>security</em> card and my drivers license."]},"sort":[18.79656,"3283702"]},{"_index":"complaint-public-v1","_id":"12966648","_score":18.70044,"_source":{"product":"Checking or savings account","complaint_what_happened":"Complaint Against Capital One for Unlawfully Freezing Social Security I am writing to file a formal complaint against Capital One Bank regarding their unjust and potentially unlawful freezing of my mothers bank account, which contains her only source of incomeher monthly Social Security benefits. \n\nCapital One has frozen the account and stated that it is under a federal investigation. However, they have refused to provide details or a path to resolution. Despite our attempts to clarify and verify all necessary information, they continue to withhold her funds. \n\nI created an account on behalf of my mother, XXXX XXXX who has XXXX, intending to deposit her Social Security payments per social security office instructions mentioned in the letter attached. the first two deposits were accepted without issue. However, shortly thereafter, the account was unexpectedly frozen, and I was informed that identity verification was required in person at a branch location. \n\nWe complied with the request and visited a branch together on XX/XX/XXXX at Capital One Cafe in XXXX, CA and talked to a supervisor called XXXX where my mother presented her valid passport and I provided documentation showing that I am her designated representative payee, as confirmed by the Social Security Administration. Despite having all proper documentation, the branch staff refused to verify the account. They stated they do not accept the SSA representative payee letter and mentioned the account is under federal investigation potentially delaying and withholding the return of the Social Security funds. \n\nMy mother is a senior citizen who relies on her Social Security payments to meet essential needs like rent, food, and medical care. The account was frozen without proper notice, and Capital One has ignored our repeated efforts to cooperate and resolve the matter. We even visited the bank in person, providing : My mothers valid passport for identification An official letter from the Social Security Administration confirming that I am her representative payee Capital One acknowledged receipt of these documents but refused to release the funds, citing only the vague explanation of an investigation. To our knowledge, no court order or valid garnishment applies to these funds. As you are aware, Social Security benefits are protected under federal law from being frozen or seized by banks in most circumstances ( as outlined in 31 CFR Part 212 ). \n\nWe believe that Capital One is acting unlawfully and irresponsibly, placing my mother in a financially and emotionally distressing situation. \n\nWe respectfully request that the CFPB investigate this matter urgently and compel Capital One to comply with federal law, release the protected funds, and stop this harmful practice. \n\nPlease contact me if additional documentation is needed. We appreciate your assistance in protecting the rights and well-being of vulnerable citizens like my mother.","date_sent_to_company":"2025-04-13T21:25:56.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92656","tags":null,"has_narrative":true,"complaint_id":"12966648","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-04-13T20:47:44.000Z","state":"CA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["We even visited the bank in person, providing : My mothers valid passport for <em>identification</em> An official letter from the Social <em>Security</em> <em>Administration</em> confirming that I am her representative payee Capital One acknowledged receipt of these documents but refused to release the funds, citing <em>only</em> the vague explanation of an investigation. To our knowledge, no court order or valid garnishment applies to these funds."]},"sort":[18.70044,"12966648"]},{"_index":"complaint-public-v1","_id":"5674581","_score":17.915419,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2022 Chase Bank, via their website, offered me {$200.00} to open a checking account ( attached ), if said account had at least one direct deposit made within the first 90 days of opening. I accepted their offer and filled out an on-line application via their website, where I provided my full, true, and legal name, address, date of birth, social security number, XXXX drivers license number, and an authorization for them to verify my identity with the Social Security Administration , and an authorization to allow them to review my consumer credit report. \n\nChase Bank does a real-time, instant verification that an applicants name matches the social security number they give, and will not allow them to proceed further on their website to submit their application if it does not. \n\nAfter submitting my application, Chase Bank sent me a letter ( attached ) on XX/XX/2022, declining to open the checking account, stating they werent able to verify my identity, based upon my XXXX credit report. The letter offered no way to directly contact anyone at Chase, or alternative to verify my identity. Trying to call the customer service number listed on their website only results in them hanging up on you, if you dont have an account number with them, to enter. \n\nThe question must be asked, why is Chase Bank using a consumer credit reporting agency to verify checking account applicants identity, when such agencies provide a wealth of information about consumers implied wealth, income and actual credit usage, but do NOT verify the identity of consumers they hold information on, and when the the sources of their information neither verify the identity of the consumers they report information on, or are not required to? \n\nThe question must also be asked why is Chase Bank using a consumer credit reporting agency to verify checking account applicants identity, when they are collecting the applicants social security number and state issued identification numbers, both of which can be used in some states, and the social security number which can be used, regardless of state, to verify identity? \n\nMore pressing still, if Chase is actually interested in simply the identity of an applicant, why are they choosing to use a consumer credit reporting agency, which which does not verify or report from sources that verify consumers identity, instead of using a consumer checking account reporting agency ( e.g. XXXX ) which DOES report information from sources that DO in-person identification checks on consumers? \n\nAlso, if it is only identity verification that Chase Bank honoring its offer is contingent upon, and if Chase banks third parties are unable to do so, then why does Chase Bank not give the applicant any alternative to produce evidence of identity? \n\nBut the MOST pressing question is, why did Chase Bank factually lie in stating it could not verify my identity, based upon my XXXX credit report ( attached ) when they did INDEED verify my identity, based upon said consumer credit report that included a full match on name, social security number, date of birth and address - AS WELL AS the definitively reliable Social Security Administration? \n\nIn choosing to forgo sources of identity verification far more reliable than consumer credit reporting agencies while at the same time gaining vast amounts of personal, unrelated data on their checking account applicants, while at the same time in fact ignoring identity verification provided by government agencies which are the source of identity records, and in choosing to decline my application for the stated reason of not being able to verify my identity, even when identity verification was provided by both government sources and their chosen consumer credit reporting agency, Chase Bank has falsely advertised and extended an offer of {$200.00} in bad faith, that it has not honored, which its clear, it never intended to honor, unless undisclosed stipulations of a certain level of wealth, based on credit report information, is met. And under such misrepresentation, they have extracted from me, highly confidential personal data, of value for marketing purposes.","date_sent_to_company":"2022-06-15T11:34:01.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"92651","tags":null,"has_narrative":true,"complaint_id":"5674581","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-06-15T11:10:31.000Z","state":"CA","company_public_response":null,"sub_issue":"Didn't receive terms that were advertised"},"highlight":{"complaint_what_happened":["I accepted their offer and filled out an on-line application via their website, where I <em>provided</em> my full, true, and legal name, address, date of birth, social <em>security</em> number, XXXX drivers license number, and an authorization for them to verify my identity with the Social <em>Security</em> <em>Administration</em> , and an authorization to allow them to review my consumer credit report."]},"sort":[17.915419,"5674581"]},{"_index":"complaint-public-v1","_id":"8278956","_score":16.35584,"_source":{"product":"Checking or savings account","complaint_what_happened":"Wells Fargo has wrongfully closed my checking account based on a claim that it can not verify my social security number. \n\nI'm unaware of any federal law that requires a social security number to obtain a checking account, nevertheless, I presented in person and the bank sent a copy of my social security card to the Frauds & Claims Management department. At the bank, in person, I presented the following identification : 1 ) US Passport ; 2 ) XXXX Driver 's License ; 3 ) Copy of a Mortgage statement to prove address ; 4 ) Copy of a phone bill statement to prove phone number ; and 5 ) copy of my Social Security Card. \n\nApparently, Wells Fargo uses some type of 3rd Party on-line verification system to confirm Social Security numbers ( not the actual Social Security Administration database ). This database did not recognize my social security number and the bank couldn't generate some identification questions that the database typically produces. \n\nThe following is a timeline that reveals unreasonable and I believe discriminatory behavior on the part of Wells Fargo : XX/XX/XXXX : I applied on-line to open a non-interest bearing Checking Account. I provided by Driver 's license as proof of ID online. \n\nXX/XX/XXXX : Wells Fargo email 's acceptance and opening of my account ( no mention of the Need for Social security card proof is made ) XX/XX/XXXX : I set up a financial transfer from my XXXX XXXX XXXX XXXX to the new Wells Fargo Checking account. \n\nXX/XX/XXXX : Wells Fargo accepts, by email, the electronic transfer and ultimately allows me to transfer funds from the XXXX XXXX XXXX into the Wells Fargo Checking Account. ( Again no mention of the need for Social Security card proof is made ). \n\nXX/XX/XXXX : I order Checks on the Wells Fargo website that cost {$31.00}, that Wells Fargo accepts and the Checks arrive 7  days later ( Again no mention of the need for Social Security card proof is made by Wells Fargo ). \n\nXX/XX/XXXX : Wells Fargo allows data sharing between my account and a 3rd party financial account ( XXXX XXXX ) - No mention of the need for Social Security card proof. \n\nXX/XX/XXXX : As a condition of the account, I set up Direct Deposits from my employer in the amount of {$250.00} for every two weeks. These Direct Deposits were accepted by Wells Fargo on XX/XX/XXXX and XX/XX/XXXX. ( Again, Wells Fargo accepts the deposits and makes no mention of the need for Social Security card proof ) XX/XX/XXXX : Wells Fargo accepts my Bio-metric login as proof to access my checking  account ( again, no mention of the need for Social Security Card proof is made by Wells Fargo ) XX/XX/XXXX : Wells Fargo now accepts a mobile  deposit by me into the checking account ( Wells Fargo accepts the deposit and makes no mention of the need for Social Security card proof ) XX/XX/XXXX : I visit the local Wells Fargo, and make a cash deposit into my checking account. Teller makes no mention of the need for Social Security Card proof. \n\nXX/XX/XXXX : At this point, I have over a {$31000.00} balance in the checking account. Wells Fargo shuts off my on-line access to my account, freezes my ability to access funds. I call their XXXX number for the fraud department and was told to go to my local branch and present my social security card to lift the freeze. \n\nXX/XX/XXXX : I visit my local Wells Fargo Branch and present my social security card, US Passport and Driver 's license. The Branch contacts the Fraud department that instructs me to also present additional proof of address and proof of phone. Even with all the identification i presented, access to my account was denied. \n\nXX/XX/XXXX : On the first date I could set an appointment, I revisit the local Wells Fargo Branch and now present multiple forms of identification including : US Passport, Social Security Card, Driver 's License, Mortgage Bill Statement for proof of address, and Cell Phone Statement for proof of Phone. The Local Wells Fargo Branch faxes all that data to the Fraud Department. The Fraud Department, rejects the physical evidence of identification and says they are closing my account effective XX/XX/XXXX, because their 3rd party database can't identify my social security number. I asked if I can close my account and withdraw my funds, they refused on the basis of not being able to identify me. A position which is not only unreasonable but illogical because they intend to forward the funds to the address I provided. So if they have concerns regarding my identity why would they release the funds? \n\nI made clear on the recorded voice calls with the Fraud department that my preference is to keep my account and that their procedures are unreasonable given all the identification I provided. At a minimum, if they want to terminate the account they should have allowed me to withdraw my funds. \n\nWhat is especially unreasonable is that they allowed me to open an account, purchase checks, provided on line access, accepted mobile deposits, accepted direct deposits, accepted in person bank deposits for nearly 4 weeks before raising any issues regarding identification. \n\nI find it ironic, that for a bank like Wells Fargo that in XXXX  had to pay {$3.00} XXXX in fines and penalties to federal regulators for setting up fake accounts, that they are making it so difficult for actual honest individuals with physical proof of identity to open a checking account. In locking me out of my account they have caused serious financial and emotional distress. \n\nI am happy to provide whatever additional written documentation and communication that is necessary to prosecute this complaint.","date_sent_to_company":"2024-02-04T15:43:47.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"22201","tags":null,"has_narrative":true,"complaint_id":"8278956","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-02-04T14:45:22.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["The Fraud Department, rejects the physical evidence of <em>identification</em> and says they are closing my account effective XX/XX/XXXX, because their 3rd party database can't identify my social <em>security</em> number. I asked if I can close my account and withdraw my funds, they refused on the basis of not being able to identify me. A position which is not <em>only</em> unreasonable but illogical because they intend to forward the funds to the address I <em>provided</em>."]},"sort":[16.35584,"8278956"]},{"_index":"complaint-public-v1","_id":"16562208","_score":14.97286,"_source":{"product":"Prepaid card","complaint_what_happened":"XX/XX/year> was the last time I was able to use my card XXXX  @ XXXX XXXX XXXXXXXX. \n\nXX/XX/year> was unable to purchase money orders to pay rent XXXX  ; unable to purchase food ; and unable to get cash back XXXX & ATM. \n\nCalled XXXX XXXX XXXX several times with no resolution. \n\nXXXX XXXX XXXX  has held my Social Security XXXX XXXX funds since XX/XX/year> without explanation nor reason. I have called daily searching for answers and none have been offered. \n\nI have submitted my US Passport ID card, Social Security Card, Original Birth Certificate, and Current Social Security Award letter for Identity verification and XXXX XXXX XXXX still has not released my funds. \n\nI have also provided my Credit Union Letter with required letterhead and account information with US Passport picture identification for ACH transfers to my credit Union account, and XXXX XXXX XXXX  has not returned emails, nor will provide information to me when I call about the reasons these haven't been evaluated and approved. \n\nXXXX XXXX XXXX charged me {$17.00} to send a new XXXX XXXX XXXX MasterCard debit card to my current address ( also on file with Social Security and every other government agency I receive help from ), and upon receiving the new card at my address ( delivered XXXX 2 day ) the new card was immediately locked, and I locked out of accessing my account info via the app. \n\nXXXX XXXX XXXX has illegally held my government XXXX benefits from me and has caused me significant suffering as I only have my XXXX benefits to survive upon and have not been able to buy food, nor other items necessary for survival, and have not been able to pay rent and other bills which is putting me in danger of homelessness and significant late charges. \n\nHolding a XXXX XXXX XXXX XXXX man 's XXXX benefits with no cause nor reason is shameful in itself, and should be against the law. The Social Security Administration is aware of this situation as well, but can not rescind my benefits once disbursed. \n\nI want my funds released immediately, and want to know how to file a lawsuit against XXXX XXXX XXXX for compensation for the undue, unnecessary and still unexplained pain, stress and suffering they have caused me. \n\nPlease help me. Thank you sincerely for your time and consideration.","date_sent_to_company":"2025-10-14T22:34:56.000Z","issue":"Trouble using the card","sub_product":"Government benefit card","zip_code":"875XX","tags":null,"has_narrative":true,"complaint_id":"16562208","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Comerica","date_received":"2025-10-14T22:08:27.000Z","state":"NM","company_public_response":null,"sub_issue":"Problem using the card to withdraw money from an ATM"},"highlight":{"complaint_what_happened":["I have also <em>provided</em> my Credit Union Letter with required letterhead and account information with US Passport picture <em>identification</em> for ACH transfers to my credit Union account, and XXXX XXXX XXXX  has not returned emails, nor will provide information to me when I call about the reasons these haven't been evaluated and approved."]},"sort":[14.97286,"16562208"]},{"_index":"complaint-public-v1","_id":"13173148","_score":14.961323,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TO EXPERIAN Dear Sir or Madam : I am writing to you as a matter of extreme urgency. I am the victim of identity theft. As indicated on my Experian credit report, an unknown person has opened an account in my name with the Social Security Administration Office. I have never received any social security money. My deceased mother was collecting social security money in my name when I was a child, but when I became an adult, I never received any of this money. I did not authorize any transactions on or after XX/XX/XXXX. I did not allow anyone to receive social security in my name. Please rectify this situation and fix my credit immediately. \n\nThis letter is not just a notification, but a demand for immediate action. This letter will serve as a demand letter/intent to sue notice required by my county. In XX/XX/XXXX, I sent you a certified package. Enclosed in that package was A notarized identity theft report, a copy of valid government identification, a current copy of my credit file, a letter stating the items were not authorized by me, and a request to be blocked. \nYour records show I have disputed these items as Not Mine over the years because they do not belong to me. In XX/XX/XXXX, a police report was filed. With XXXX XXXX Police Department XXXX, Ohio, On XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX, I called Experian. I was advised that these items would be removed, and they have not been removed. Six months later, it is still on my credit report. Even though I have advised you over and over again that I am a victim of identity theft, still incorrect information remains on my credit report. A 30-day re-investigation process is required. I have repeatedly tried to resolve this issue, but I have only been met with the same result each time. This is a blatant violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) Subsection ( a ) reads as follows : ( a ) Block. Except as otherwise provided in this Section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than four 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. Once those documents were in your possession, Subsection ( b ) of FCRA 605B ( 15 U.S.C. 1681c-2 ) would apply. Section ( b ) reads as follows : Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under Subsection ( a ) of this Section ( 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. If Experian decided not to block the tradelines identified as identity theft, Section ( c ) of FCRA 605B ( 15 U.S.C. 1681c-2 ) would apply. Subsection ( c ) reads as follows : In general. A consumer reporting agency may decline to block or may rescind any block of information relating to a consumer under this Section if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or the consumer requested a block in error ; ( B ) the information was blocked, or a block was requested by the consumer, based on a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to the consumer. Suppose a block of information is declined or rescinded under this Subsection. In that case, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under Section 1681i ( a ) ( 5 ) ( B ) of this title. The time frame for a consumer to be notified is within five business days after the reinsertion. On XX/XX/XXXX, I lodged a formal complaint with the Consumer Financial Protection Bureau, Case # XXXX, for willfully disregarding the guidelines set forth by the FRCA. Experian have responded to the CFPB stating that you could not use the information I provided to block. A reason for being unable to use the information was not readily available. Experian, said a dispute would be initiated and provided the Furnishers with the supported document. Despite my repeated requests, you have failed to prove that these are my accounts. No reason was provided, no correspondence, and no proof was provided. Despite submitting an identity theft and police report as part of my dispute, accounts that do not belong to me are still showing up on all three bureaus, significantly impacting my credit score. If we fail to come to a resolution, the lawsuit will be for the following violations : Section 605 ( b ) failed to provide a reason my request for blockage was denied. Simply stating that you can not use it is not a valid reason or explanation. Nor does it allow me to correct what is incorrect so that it may be approved for blockage. A fine of no more than {$1000.00} will be imposed every day after a reasonable period of five business days. I received a notification 6 days after providing you with the theft report and the request for blockage, so I will be seeking a total of {$6000.00} for that violation. I will also be seeking damages for failing to forward supporting documentation to creditors. I have given you all legal documents proving these are not my accounts. A letter verifying that the account was opened fraudulently and a notification to the bureaus for deletion was sent. Social Security Administration. I disputed and was subsequently removed because of the information I provided. The same documentation was in your possession during my dispute about identity theft. The Consumer Financial Protection Bureau requires you to forward all supported documents for creditor review. I will be seeking a total of {$11000.00} in fines and the removal of the accounts identified as identity theft on the theft report and the police report. The following fraudulent accounts are still listed on my report : Social Security Administration. I am enclosing a completed, notarized theft report, police report, current credit report, a letter listing the accounts, and a copy of Section 605 ( b ) for you to adhere to. Because you are in violation, it can not be overlooked. This ordeal has caused me financial and emotional trauma. I will settle for {$6700.00} and the removal of the items identified as theft, and we can keep it out of court. Items will be removed within a 96-hour, and a letter will be sent to the address above as confirmation. I hope that this can be resolved in a timely fashion. I look forward to hearing from you.","date_sent_to_company":"2025-04-25T20:35:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"43224","tags":null,"has_narrative":true,"complaint_id":"13173148","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-25T20:02:11.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["As indicated on my Experian credit report, an unknown person has opened an account in my name with the Social <em>Security</em> <em>Administration</em> Office. I have never received any social <em>security</em> money. My deceased mother was collecting social <em>security</em> money in my name when I was a child, but when I became an adult, I never received any of this money. I did not authorize any transactions on or after XX/XX/XXXX. I did not allow anyone to receive social <em>security</em> in my name."]},"sort":[14.961323,"13173148"]},{"_index":"complaint-public-v1","_id":"5900454","_score":14.586163,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2022 I disputed by mail the fairness and accuracy of experians reporting of several items on my consumer report. In experian response they claimed to have conducted an investigation and said the items were verified and would remain on my report. On XX/XX/2022, I requested by mail or experian to provide there method of verification for each item ; I requested that experian provide the SSA-89 form with my wet-ink signature, a necessary form requisite by way of written permission to utilize property of the social security administration ; and I requested that experian provide me with proof of my written consent to consumer reporting with experian which would also require a SSA-89 form. experian never responded to such requests or the CFPB Complaint ID XXXX regarding these requests. experian only opened another dispute for the items instead of providing the proof I requested from them that reporting these accounts is fair and accurate. \nOn XX/XX/2022, I received confirmation via the CFPB ( complaint ID XXXX that experian was in receipt of 1. ) appropriate proof of the identity of the consumer ( me ) ; 2. ) a copy of an identity theft report filled out by me ; 3. ) the identification of the information reporting as a result of identity theft both in my identity theft report as well is in my statement ; 4. ) my statement by me, the consumer, that the information is not relating to any transaction by me, the consumer. All this information was provided in accordance with 15 U.S. Code 1681c-2 - Block of information resulting from identity theft. 15 U.S. Code 1681c-2 ( a ) BLOCK states Except as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of - the above referenced information I received confirmation experian is in receipt of. As of XXXX, XX/XX/2022 it has been 5 business days since experian has been in receipt of the four requirements of this section of the FCRA and experian has not blocked and removed the items. experian has still not provided the SSA-89 form for proof of consent of experian reporting of my information nor the SSA-89 forms for each alleged creditor as proof of consent for furnishing my information.","date_sent_to_company":"2022-08-20T20:04:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76053","tags":null,"has_narrative":true,"complaint_id":"5900454","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-08-20T20:03:24.000Z","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":["On XX/XX/2022, I requested by mail or experian to provide there method of verification for each item ; I requested that experian provide the SSA-89 form with my wet-ink signature, a necessary form requisite by way of written permission to utilize property of the social <em>security</em> <em>administration</em> ; and I requested that experian provide me with proof of my written consent to consumer reporting with experian which would also require a SSA-89 form. experian never responded to such requests or the CFPB Complaint"]},"sort":[14.586163,"5900454"]},{"_index":"complaint-public-v1","_id":"5900436","_score":14.586163,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2022 I disputed by mail the fairness and accuracy of equifaxs reporting of several items on my consumer report. In Equifaxs response dates XX/XX/2022 they claimed to have conducted an investigation and said the items were verified and would remain on my report. On XX/XX/2022, I requested by mail or equifax to provide there method of verification for each item ; I requested that equifax provide the XXXX form with my wet-ink signature, a necessary form requisite by way of written permission to utilize property of the social security administration ; and I requested that equifax provide me with proof of my written consent to consumer reporting with equifax which would also require a SSA-89 form. Equifax never responded to such requests or the CFPB Complaint ID XXXX regarding these requests. Equifax only opened another dispute for the items on XX/XX/2022 instead of providing the proof I requested from them that reporting these accounts is fair and accurate. \nOn XX/XX/2022, I received confirmation via the CFPB ( complaint ID XXXX ) that Equifax was in receipt of 1. ) appropriate proof of the identity of the consumer ( me ) ; 2. ) a copy of an identity theft report filled out by me ; 3. ) the identification of the information reporting as a result of identity theft both in my identity theft report as well is in my statement ; 4. ) my statement by me, the consumer, that the information is not relating to any transaction by me, the consumer. All this information was provided in accordance with 15 U.S. Code 1681c-2 - Block of information resulting from identity theft. 15 U.S. Code 1681c-2 ( a ) BLOCK states Except as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of - the above referenced information I received confirmation Equifax is in receipt of. As of XXXX, XX/XX/2022 it has been 5 business days since Equifax has been in receipt of the four requirements of this section of the FCRA and Equifax has not blocked and removed the items. Equifax has still not provided the SSA-89 form for proof of consent of Equifax reporting of my information nor the SSA-89 forms for proof of consent for each alleged creditor furnishing my information.","date_sent_to_company":"2022-08-20T20:03:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76053","tags":null,"has_narrative":true,"complaint_id":"5900436","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-08-20T20:00:09.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["On XX/XX/2022, I requested by mail or equifax to provide there method of verification for each item ; I requested that equifax provide the XXXX form with my wet-ink signature, a necessary form requisite by way of written permission to utilize property of the social <em>security</em> <em>administration</em> ; and I requested that equifax provide me with proof of my written consent to consumer reporting with equifax which would also require a SSA-89 form."]},"sort":[14.586163,"5900436"]},{"_index":"complaint-public-v1","_id":"3276847","_score":14.287323,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Upon requesting a copy of my Social Security Card, was locked out of Social Security Administration 's website  for failure to answer security questions correctly and subsequently locked out of Equifax for the same reason while preforming a hard check into my credit file. I called Equifax on XX/XX/XXXX and was asked if I had the correct social security number because, according to the customer service associate, every piece of information that I gave attached to my Social Security number was incorrect in their system. My name, my birthdate, my address, everything. At this point I am connected to global customer care to talk to someone in the fraud department. I am told I must send documents in proving my identity ( Driver 's license, pay stubs, W2, etc. ) and in return I will be provided with hard copy of my credit report which I will need to take to the police and let them know I am the victim of credit fraud. I was told by multiple associates on this phone call that I should email my documents with a cover letter addressed to XXXX. During this phone call, Equifax could not provide me with any information regarding my account. I I promptly scan and email all of my documents and a cover letter explaining my situation and on XX/XX/XXXX recieve an email letting me know that I must contact global customer care for further assistance. Upon calling global customer care, I am informed that none of my documents were recieved and they can not be submitted by email. The only acceptable way to recieve documents is through fax or post. I rescan everything ( drivers license, birth certificate, pay stubs, copy of 2018 tax return ) and attach a new cover letter and fax it to Equifax. After 7 days I reach out to make sure my documents were recieved. I am told that they couldn't read the scans and I must resend them by mail. At this point I escalate the call to a supervisor and am told the same thing, I escalate the call again and talk to a manager and am told that if I faxed everything to the correct number, I should recieve a letter in the mail informing me of next steps shortly. I am also told that based on the information I provided ( my name, address, birthdate, social ) that my credit file was able to be pulled up. The first time I called, I was told all of the information I had given was incorrect so I ask about this, but the manager refuses to disclose any information about my credit file to me during this phone call. A few days later, on XX/XX/XXXX, I receive a letter dated XX/XX/XXXX in the mail informing me that they were unable to locate my credit file with my information and request the same documents that I had already sent. Currently, I am still locked out of Equifax and am refused any information regarding my account. I have attempted multiple times to gain a copy of my credit report both digitally and through mail and have provided Equifax with every piece of identification I currently own. I have called multiple times and Equifax continues to give me inaccurate and misleading information regarding both their policies and zero information regarding my credit file.","date_sent_to_company":"2019-06-16T23:25:27.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"11238","tags":null,"has_narrative":true,"complaint_id":"3276847","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-06-16T22:39:44.000Z","state":"NY","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["Upon requesting a copy of my Social <em>Security</em> Card, was locked out of Social <em>Security</em> <em>Administration</em> 's website  for failure to answer <em>security</em> questions correctly and subsequently locked out of Equifax for the same reason while preforming a hard check into my credit file."]},"sort":[14.287323,"3276847"]},{"_index":"complaint-public-v1","_id":"22103023","_score":13.811369,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern, Re : Formal Dispute of Fraudulent Account Identity Theft / Failure to Properly Investigate ( FCRA & FDCPA Violations ) I am writing to formally dispute the continued reporting of a fraudulent account associated with Goodleap LLC that appears on my XXXX  credit report. I have been disputing this matter since XX/XX/year>, and despite providing substantial evidence of identity theft, the account remains on my report. \n\nI have repeatedly requested verification of this alleged debt, including : The income information used at the time of application The identification documents allegedly provided Any supporting materials used to approve the loan Instead of supplying legitimate verification, Goodleap LLC has only provided an electronic contract containing a forged signature, which does not match my legal signature or the signature on my drivers license. Additionally, the documentation they referenced includes an old drivers license that I did not provide and that was used without my authorization. This alone should have triggered a full fraud review. \n\nI have been in continuous communication with both XXXX and Goodleap LLC, clearly stating that I did not authorize this account and that I am a documented victim of identity theft, supported by official documentation from the Social Security Administration confirming identity fraud. \n\nGiven the nature of this alleged loan, the lack of proper verification is alarming. For any legitimate financial, real estate, or longterm agreement, it is standard practice to require : A governmentissued photo ID Proof of income ( paystubs, XXXX, tax returns, or bank statements ) Proof of residency In many cases, inperson verification or notarization None of these requirements were met or verified. The absence of these documents further demonstrates that this account was fraudulently opened and should never have been approved or reported. \n\nDespite the overwhelming evidence I have provided, the account continues to be reported, causing ongoing harm. This failure to conduct a reasonable investigation appears to violate the Fair Credit Reporting Act ( FCRA ), including but not limited to XXXX, XXXX, and XXXX, as well as provisions of the Fair Debt Collection Practices Act ( FDCPA ) requiring accurate reporting and proper validation of disputed debts. \n\nI am demanding the following actions : Immediate reinvestigation of this account by both XXXX and Goodleap LLC. \n\nRemoval of the fraudulent account from my credit report if the furnisher can not provide legitimate, verifiable documentation proving the debt belongs to me. \n\nSuspension of all collection activity during the investigation, as required by law. \n\nWritten confirmation of the results of your reinvestigation and the actions taken. \n\nPlease treat this letter as a formal notice of dispute and a demand for compliance with federal consumer protection laws. I expect a timely and lawful response as required under the FCRA and FDCPA. \n\nThank you for your immediate attention to this matter.","date_sent_to_company":"2026-05-12T03:57:56.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"33936","tags":null,"has_narrative":true,"complaint_id":"22103023","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paramount GR Holdings, LLC","date_received":"2026-05-12T03:09:37.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I have repeatedly requested verification of this alleged debt, including : The income information used at the time of application The <em>identification</em> documents allegedly <em>provided</em> Any supporting materials used to approve the loan Instead of supplying legitimate verification, Goodleap LLC has <em>only</em> <em>provided</em> an electronic contract containing a forged signature, which does not match my legal signature or the signature on my drivers license."]},"sort":[13.811369,"22103023"]},{"_index":"complaint-public-v1","_id":"3792447","_score":13.800327,"_source":{"product":"Checking or savings account","complaint_what_happened":"My wife as Social Security Representative Payee had control two Chase Bank Guardian Accounts where my daughters social security checks were being deposited for the past eight years. The bank has placed a hold on these accounts as of early XX/XX/XXXX after my wife sustained a XXXX XXXX  and I requested to assume control. The bank says the accounts were not created legitimately. The bank has refused to release the funds to me as the current Social Security Representative Payee and legal conservator of my daughters Persons. \nThe most recent Social Security deposits, ( including the last one with me as the Representative Payee ) were deposited in these accounts and are inaccessible due to the bank hold.\n\nThe bank presently holds and will not release the funds for their deposited SSI and SSA payments as follows : ( Routing # XXXX ) XXXX Account # XXXX XXXX Account # XXXX XX/XX/282020 Stimulus {$1200.00} XX/XX/282020 Stimulus {$1200.00} XX/XX/XXXX SSI {$540.00} XX/XX/XXXX SSI {$540.00} XX/XX/XXXX SSA {$670.00} XX/XX/XXXX SSA {$670.00} XX/XX/XXXX SSI {$540.00} XX/XX/XXXX SSI {$540.00} XX/XX/XXXX SSA {$670.00} XX/XX/XXXX SSA {$670.00} Sub Total SSA SSI - {$3600.00} Sub Total SSA SSI - {$3600.00} Misc. Deposits - {$490.00} Misc. Deposits - {$280.00} Total Account - {$4100.00} Total Account - {$3900.00} Since I am unable to access the funds, because the bank says I am not the Conservator of my daughters Estate, I have requested that the funds be released to my daughters directly who are the legitimate owners of the funds. \nThe bank is requesting ( XX/XX/XXXX XXXX Action Needed : Please provide Letters of Conservatorship - Over Estate - these court certified documents will include who has the authority to open an account and what bank is to be used. \nChase Banks position ( XX/XX/XXXX ) is as follows : Account as a Guardianship account. Upon review of the account we have found that per the Court Order Chase was not authorized to open the account. The Court Order states that the Conservator only has Conservatorship of the Person only. Please be advised that a hold has been placed on the account until an court order is received and reviewed. \n\nCourt authority documents determine : o Guardianship type, which includes : Guardianship of the ward 's person only : Guardian is responsible for protecting ward 's physical person and well-being ( we don't open accounts for guardianship of ward 's person ) Guardianship of the ward 's estate only : Guardian is responsible for controlling and protecting ward 's monetary assets ( we can open accounts for these guardianships My response to the banks position ( XX/XX/XXXX ) : Your comments that we dont open accounts for guardianship of wards person is as full of holes as swiss cheese!\n\n1. There are accounts which have been opened ( that should be clear to both of us ) 2. The Bank did open them because they exist 3. I have no other paperwork other than that offered to date 4. XXXX has been using the accounts for the past 8 years for the girls social security as representative payee. \n5. XXXX and now I have been designated as Representative Payee for Social Security provided to my daughters 6. The funds belong to my daughters Based upon the above, my daughters should be able to come down and withdraw the funds with the proper identification? \nI do not want to become the Conservator of my daughters Estates as the bank is directing. There is an onerous accounting requirement in taking on such a task. The Social Security Administration does not require such a designation to function as Representative Payee.\n\nI have created two new accounts at another intuition using the Social Security Representative Payee Documentation and will act as the Representative Payee for future Social Security payments or until my wife recovers. I have notified Social Security about the XXXX payment going to the wrong account and they have taken action to request the return of funds and redirection to my new accounts. \nSummary Solution : I believe that the funds impounded at Chase Bank should be made available to my daughters who are the legitimate owners especially since the error in the creation of the accounts lies with the bank and not my wife or myself. This should be done without any new court documents required. Upon release of the funds to my daughters, the accounts at Chase should be closed. This is the only reasonable solution in light of the relevant facts.","date_sent_to_company":"2020-08-12T19:37:03.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"90274","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"3792447","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-08-12T19:14:13.000Z","state":"CA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["XXXX has been using the accounts for the past 8 years for the girls social <em>security</em> as representative payee. \n5. XXXX and now I have been designated as Representative Payee for Social <em>Security</em> <em>provided</em> to my daughters 6. The funds belong to my daughters Based upon the above, my daughters should be able to come down and withdraw the funds with the proper <em>identification</em>? \nI do not want to become the Conservator of my daughters Estates as the bank is directing."]},"sort":[13.800327,"3792447"]},{"_index":"complaint-public-v1","_id":"7470107","_score":13.307511,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX XXXX, AZ XXXX Mountain America Credit Union Subject : Complaint of Discrimination and Unfair Treatment I am writing to express my deep dissatisfaction and concern regarding the discriminatory experience I recently had with Mountain America Credit Union. As a valued customer, I expected fair and equitable treatment, but unfortunately, my encounter left me feeling marginalized and disrespected. \n\nOn XXXX, I visited the branch located at XXXX XXXX XXXX XXXX, XXXX AZ to open an account. Upon arrival, I was informed by the customer service representative that I was required to provide a physical copy of my Social Security card. However, I explained that I did not possess such a document at the time and was advised by the representative to obtain a printout from the Social Security Administration indicating that the card was being processed and would be delivered soon. I followed their instructions and returned to the branch with the necessary documentation. \n\nTo my dismay, the customer service representative present at the branch contradicted what I had been told previously. They claimed that there had been a mistake and that I still needed to provide a physical copy of my Social Security card. This conflicting information left me feeling frustrated and deceived, as I had been given false assurances by the sales representative I spoke with over the phone earlier. \n\nWhat concerns me even more is the apparent discrepancy in treatment between customers. It is disheartening to suspect that my experience may have been influenced by factors such as my race or age. As an individual who has been a victim of fraud, I understand the importance of safeguarding personal information. However, it is unjust and discriminatory to insist on a specific document, especially when alternative methods of verification are available. I firmly believe that if I were a middle-aged white male, I would not have been subjected to such treatment. \n\nMoreover, I am deeply troubled by the violation of my First Amendment rights. The refusal to accept alternative documents for identity verification not only goes against the principles of the Social Security Act and the Patriot Act but also restricts my freedom of speech and expression. This discriminatory practice has left me feeling marginalized, and it is imperative that immediate action is taken to rectify this situation. \n\nI request that Mountain America Credit Union thoroughly investigate this matter and address the discriminatory behavior exhibited by your customer service representatives. I also request that my account be opened without further delay, using alternative forms of identification as permissible by law. Additionally, I would appreciate a formal apology for the distress and inconvenience caused by this discriminatory incident. \n\nI have taken the liberty of recording my conversations with your customer service representatives, which provide evidence of the contradictory information and discriminatory treatment I experienced. I am willing to provide these recordings if necessary to support my complaint. \n\nI trust that Mountain America Credit Union will take this matter seriously and ensure that such incidents of discrimination are not tolerated within your institution. I expect a prompt response regarding the actions you will take to address and rectify this situation. Failure to do so will leave me with no choice but to escalate this complaint to the appropriate regulatory authorities and seek legal recourse. \n\nI look forward to receiving your response within 30 days. Please address all correspondence related to this matter to the contact information provided above. \n\nYours sincerely, XXXX XXXX","date_sent_to_company":"2023-08-29T20:44:58.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"85323","tags":null,"has_narrative":true,"complaint_id":"7470107","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOUNTAIN AMERICA FEDERAL CREDIT UNION","date_received":"2023-08-29T20:29:13.000Z","state":"AZ","company_public_response":null,"sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["Please address all correspondence related to this matter to the contact information <em>provided</em> above. \n\nYours sincerely, XXXX XXXX"]},"sort":[13.307511,"7470107"]},{"_index":"complaint-public-v1","_id":"6460073","_score":12.5747595,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On my credit report from XXXX is an inquiry from Capital One. I did not make this inquiry and XXXX has not removed it! I did complete an ID Theft affidavit and all they say is its being investigated.18 U.S. Code 1028 This is too long for an item to be investigated it is now XXXX and is still on my report! \nAccording to 18 U.S. Code 1028 says - Fraud and related activity in connection with identification documents, authentication features, and information ( a ) Whoever, in a circumstance described in subsection ( c ) of this section ( 1 ) knowingly and without lawful authority produces an identification document, authentication feature, or a false identification document ; ( 2 ) knowingly transfers an identification document, authentication feature, or a false identification document knowing that such document or feature was stolen or produced without lawful authority ; ( 3 ) knowingly possesses with intent to use unlawfully or transfer unlawfully five or more identification documents ( other than those issued lawfully for the use of the possessor ), authentication features, or false identification documents ; ( 4 ) knowingly possesses an identification document ( other than one issued lawfully for the use of the possessor ), authentication feature, or a false identification document, with the intent such document or feature be used to defraud the United States ; ( 5 ) knowingly produces, transfers, or possesses a document-making implement or authentication feature with the intent such document-making implement or authentication feature will be used in the production of a false identification document or another document-making implement or authentication feature which will be so used ; ( 6 ) knowingly possesses an identification document or authentication feature that is or appears to be an identification document or authentication feature of the United States or a sponsoring entity of an event designated as a special event of national significance which is stolen or produced without lawful authority knowing that such document or feature was stolen or produced without such authority ; ( 7 ) knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law ; or ( 8 ) knowingly traffics in false or actual authentication features for use in false identification documents, document-making implements, or means of identification ; shall be punished as provided in subsection ( b ) of this section.\n\n( b ) The punishment for an offense under subsection ( a ) of this section is ( 1 ) except as provided in paragraphs ( 3 ) and ( 4 ), a fine under this title or imprisonment for not more than 15 years, or both, if the offense is ( A ) the production or transfer of an identification document, authentication feature, or false identification document that is or appears to be ( i ) an identification document or authentication feature issued by or under the authority of the United States ; or ( ii ) a birth certificate, or a drivers license or personal identification card ; ( B ) the production or transfer of more than five identification documents, authentication features, or false identification documents ; ( C ) an offense under paragraph ( 5 ) of such subsection ; or ( D ) an offense under paragraph ( 7 ) of such subsection that involves the transfer, possession, or use of 1 or more means of identification if, as a result of the offense, any individual committing the offense obtains anything of value aggregating {$1000.00} or more during any 1-year period ; ( 2 ) except as provided in paragraphs ( 3 ) and ( 4 ), a fine under this title or imprisonment for not more than 5 years, or both, if the offense is ( A ) any other production, transfer, or use of a means of identification, an identification document,, [ 1 ] authentication feature, or a false identification document ; or ( B ) an offense under paragraph ( 3 ) or ( 7 ) of such subsection ; ( 3 ) a fine under this title or imprisonment for not more than 20 years, or both, if the offense is committed ( A ) to facilitate a drug trafficking crime ( as defined in section 929 ( a ) ( 2 ) ) ; ( B ) in connection with a crime of violence ( as defined in section 924 ( c ) ( 3 ) ) ; or ( C ) after a prior conviction under this section becomes final ; ( 4 ) a fine under this title or imprisonment for not more than 30 years, or both, if the offense is committed to facilitate an act of domestic terrorism ( as defined under section 2331 ( 5 ) of this title ) or an act of international terrorism ( as defined in section 2331 ( 1 ) of this title ) ; ( 5 ) in the case of any offense under subsection ( a ), forfeiture to the United States of any personal property used or intended to be used to commit the offense ; and ( 6 ) a fine under this title or imprisonment for not more than one year, or both, in any other case.\n\n( c ) The circumstance referred to in subsection ( a ) of this section is that ( 1 ) the identification document, authentication feature, or false identification document is or appears to be issued by or under the authority of the United States or a sponsoring entity of an event designated as a special event of national significance or the document-making implement is designed or suited for making such an identification document, authentication feature, or false identification document ; ( 2 ) the offense is an offense under subsection ( a ) ( 4 ) of this section; or ( 3 ) either ( A ) the production, transfer, possession, or use prohibited by this section is in or affects interstate or foreign commerce, including the transfer of a document by electronic means; or ( B ) the means of identification, identification document, false identification document, or document-making implement is transported in the mail in the course of the production, transfer, possession, or use prohibited by this section. \n( d ) In this section and section 1028A ( 1 ) the term authentication feature means any hologram, watermark, certification, symbol, code, image, sequence of numbers or letters, or other feature that either individually or in combination with another feature is used by the issuing authority on an identification document, document-making implement, or means of identification to determine if the document is counterfeit, altered, or otherwise falsified ; ( 2 ) the term document-making implement means any implement, impression, template, computer file, computer disc, electronic device, or computer hardware or software, that is specifically configured or primarily used for making an identification document, a false identification document, or another document-making implement ; ( 3 ) the term identification document means a document made or issued by or under the authority of the United States Government, a State , political subdivision of a State, a sponsoring entity of an event designated as a special event of national significance, a foreign government, political subdivision of a foreign government, an international governmental or an international quasi-governmental organization which, when completed with information concerning a particular individual, is of a type intended or commonly accepted for the purpose of identification of individuals ; ( 4 ) the term false identification document means a document of a type intended or commonly accepted for the purposes of identification of individuals that ( A ) is not issued by or under the authority of a governmental entity or was issued under the authority of a governmental entity but was subsequently altered for purposes of deceit ; and ( B ) appears to be issued by or under the authority of the United States Government, a State , a political subdivision of a State, a sponsoring entity of an event designated by the President as a special event of national significance, a foreign government, a political subdivision of a foreign government, or an international governmental or quasi-governmental organization ; ( 5 ) the term false authentication feature means an authentication feature that ( A ) is genuine in origin, but, without the authorization of the issuing authority, has been tampered with or altered for purposes of deceit ; ( B ) is genuine, but has been distributed, or is intended for distribution, without the authorization of the issuing authority and not in connection with a lawfully made identification document, document-making implement, or means of identification to which such authentication feature is intended to be affixed or embedded by the respective issuing authority ; or ( C ) appears to be genuine, but is not ; ( 6 ) the term issuing authority ( A ) means any governmental entity or agency that is authorized to issue identification documents, means of identification, or authentication features ; and ( B ) includes the United States Government, a State, a political subdivision of a State , a sponsoring entity of an event designated by the President as a special event of national significance, a foreign government, a political subdivision of a foreign government, or an international government or quasi-governmental organization ; ( 7 ) the term means of identification means any name or number that may be used, alone or in conjunction with any other information, to identify a specific individual, including any ( A ) name, social security number, date of birth, official State or government issued drivers license or identification number, alien registration number, government passport number, employer or taxpayer identification number ; ( B ) unique biometric data, such as fingerprint, voice print, retina or iris image, or other unique physical representation ; ( C ) unique electronic identification number, address, or routing code ; or ( D ) telecommunication identifying information or access device ( as defined in section 1029 ( e ) ) ; ( 8 ) the term personal identification card means an identification document issued by a State or local government solely for the purpose of identification ; ( 9 ) the term produce includes alter, authenticate, or assemble ; ( 10 ) the term transfer includes selecting an identification document, false identification document, or document-making implement and placing or directing the placement of such identification document, false identification document, or document-making implement on an online location where it is available to others ; ( 11 ) the term State includes any State of the United States, the District of Columbia, the Commonwealth of Puerto Rico , and any other commonwealth , possession, or territory of the United States ; and ( 12 ) the term traffic means ( A ) to transport, transfer, or otherwise dispose of, to another, as consideration for anything of value ; or ( B ) to make or obtain control of with intent to so transport, transfer, or otherwise dispose of. \n( e ) This section does not prohibit any lawfully authorized investigative, protective, or intelligence activity of a law enforcement agency of the United States, a State, or a political subdivision of a State, or of an intelligence agency of the United States, or any activity authorized under chapter 224 of this title.\n\n( f ) Attempt and Conspiracy.\n\nAny person who attempts or conspires to commit any offense under this section shall be subject to the same penalties as those prescribed for the offense, the commission of which was the object of the attempt or conspiracy.\n\n( g ) Forfeiture Procedures.\n\nThe forfeiture of property under this section, including any seizure and disposition of the property and any related judicial or administrative proceeding, shall be governed by the provisions of section 413 ( other than subsection ( d ) of that section ) of the Comprehensive Drug Abuse Prevention and Control Act of 1970 ( 21 U.S.C. 853 ).\n\n( h ) Forfeiture ; Disposition.\n\nIn the circumstance in which any person is convicted of a violation of subsection ( a ), the court shall order, in addition to the penalty prescribed, the forfeiture and destruction or other disposition of all illicit authentication features, identification documents, document-making implements, or means of identification.\n\n( i ) Rule of Construction.\n\nFor purpose of subsection ( a ) ( 7 ), a single identification document or false identification document that contains 1 or more means of identification shall be construed to be 1 means of identification. \nI did not create this inquiry and when I contacted XXXX WITH THE ID THEFT AFFIDAVIT FORM not ONLY should it have been REMOVED! The credit bureau should have invoked 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.\n\n( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.and 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.\n\n( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\n( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.\n\n( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.\n\n( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.\n\n( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award. \n( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.\n\n( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.\n\n( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.\n\n( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.\n\n( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.\n\n( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.\n\n( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.\n\n( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.\n\n( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.\n\n( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding.\n\n( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought.\n\n( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.\n\n( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. 12958 or successor orders.\n\n( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised.\n\n( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing.\n\n( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.\n\n( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.\n\n( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.\n\n( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph.\n\n( 3 ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system.\n\n( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency.\n\n( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after XX/XX/XXXX, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ).","date_sent_to_company":"2023-01-19T18:02:21.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33604","tags":null,"has_narrative":true,"complaint_id":"6460073","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-01-19T18:02:13.000Z","state":"FL","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["For purpose of subsection ( a ) ( 7 ), a single <em>identification</em> document or false <em>identification</em> document that contains 1 or more means of <em>identification</em> shall be construed to be 1 means of <em>identification</em>. \nI did not create this inquiry and when I contacted XXXX WITH THE ID THEFT AFFIDAVIT FORM not <em>ONLY</em> should it have been REMOVED! The credit bureau should have invoked 15 U.S."]},"sort":[12.5747595,"6460073"]},{"_index":"complaint-public-v1","_id":"6460029","_score":12.5747595,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On my credit report from Transunion is an inquiry from XXXX XXXX. I did not make this inquiry and Transunion has not removed it! I did complete an ID Theft affidavit and all they say is its being investigated.18 U.S. Code 1028 This is too long for an item to be investigated it is now XXXX  and is still on my report!\n\nAccording to 18 U.S. Code 1028 says - Fraud and related activity in connection with identification documents, authentication features, and information ( a ) Whoever, in a circumstance described in subsection ( c ) of this section ( 1 ) knowingly and without lawful authority produces an identification document, authentication feature, or a false identification document ; ( 2 ) knowingly transfers an identification document, authentication feature, or a false identification document knowing that such document or feature was stolen or produced without lawful authority ; ( 3 ) knowingly possesses with intent to use unlawfully or transfer unlawfully five or more identification documents ( other than those issued lawfully for the use of the possessor ), authentication features, or false identification documents ; ( 4 ) knowingly possesses an identification document ( other than one issued lawfully for the use of the possessor ), authentication feature, or a false identification document, with the intent such document or feature be used to defraud the United States ; ( 5 ) knowingly produces, transfers, or possesses a document-making implement or authentication feature with the intent such document-making implement or authentication feature will be used in the production of a false identification document or another document-making implement or authentication feature which will be so used ; ( 6 ) knowingly possesses an identification document or authentication feature that is or appears to be an identification document or authentication feature of the United States or a sponsoring entity of an event designated as a special event of national significance which is stolen or produced without lawful authority knowing that such document or feature was stolen or produced without such authority ; ( 7 ) knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law ; or ( 8 ) knowingly traffics in false or actual authentication features for use in false identification documents, document-making implements, or means of identification ; shall be punished as provided in subsection ( b ) of this section.\n\n( b ) The punishment for an offense under subsection ( a ) of this section is ( 1 ) except as provided in paragraphs ( 3 ) and ( 4 ), a fine under this title or imprisonment for not more than 15 years, or both, if the offense is ( A ) the production or transfer of an identification document, authentication feature, or false identification document that is or appears to be ( i ) an identification document or authentication feature issued by or under the authority of the United States ; or ( ii ) a birth certificate, or a drivers license or personal identification card ; ( B ) the production or transfer of more than five identification documents, authentication features, or false identification documents ; ( C ) an offense under paragraph ( 5 ) of such subsection ; or ( D ) an offense under paragraph ( 7 ) of such subsection that involves the transfer, possession, or use of 1 or more means of identification if, as a result of the offense, any individual committing the offense obtains anything of value aggregating {$1000.00} or more during any 1-year period ; ( 2 ) except as provided in paragraphs ( 3 ) and ( 4 ), a fine under this title or imprisonment for not more than 5 years, or both, if the offense is ( A ) any other production, transfer, or use of a means of identification, an identification document,, [ 1 ] authentication feature, or a false identification document ; or ( B ) an offense under paragraph ( 3 ) or ( 7 ) of such subsection ; ( 3 ) a fine under this title or imprisonment for not more than 20 years, or both, if the offense is committed ( A ) to facilitate a drug trafficking crime ( as defined in section 929 ( a ) ( 2 ) ) ; ( B ) in connection with a crime of violence ( as defined in section 924 ( c ) ( 3 ) ) ; or ( C ) after a prior conviction under this section becomes final ; ( 4 ) a fine under this title or imprisonment for not more than 30 years, or both, if the offense is committed to facilitate an act of domestic terrorism ( as defined under section 2331 ( 5 ) of this title ) or an act of international terrorism ( as defined in section 2331 ( 1 ) of this title ) ; ( 5 ) in the case of any offense under subsection ( a ), forfeiture to the United States of any personal property used or intended to be used to commit the offense ; and ( 6 ) a fine under this title or imprisonment for not more than one year, or both, in any other case.\n\n( c ) The circumstance referred to in subsection ( a ) of this section is that ( 1 ) the identification document, authentication feature, or false identification document is or appears to be issued by or under the authority of the United States or a sponsoring entity of an event designated as a special event of national significance or the document-making implement is designed or suited for making such an identification document, authentication feature, or false identification document ; ( 2 ) the offense is an offense under subsection ( a ) ( 4 ) of this section; or ( 3 ) either ( A ) the production, transfer, possession, or use prohibited by this section is in or affects interstate or foreign commerce, including the transfer of a document by electronic means; or ( B ) the means of identification, identification document, false identification document, or document-making implement is transported in the mail in the course of the production, transfer, possession, or use prohibited by this section.\n\n( d ) In this section and section 1028A ( 1 ) the term authentication feature means any hologram, watermark, certification, symbol, code, image, sequence of numbers or letters, or other feature that either individually or in combination with another feature is used by the issuing authority on an identification document, document-making implement, or means of identification to determine if the document is counterfeit, altered, or otherwise falsified ; ( 2 ) the term document-making implement means any implement, impression, template, computer file, computer disc, electronic device, or computer hardware or software, that is specifically configured or primarily used for making an identification document, a false identification document, or another document-making implement ; ( 3 ) the term identification document means a document made or issued by or under the authority of the United States Government, a State , political subdivision of a State, a sponsoring entity of an event designated as a special event of national significance, a foreign government, political subdivision of a foreign government, an international governmental or an international quasi-governmental organization which, when completed with information concerning a particular individual, is of a type intended or commonly accepted for the purpose of identification of individuals ; ( 4 ) the term false identification document means a document of a type intended or commonly accepted for the purposes of identification of individuals that ( A ) is not issued by or under the authority of a governmental entity or was issued under the authority of a governmental entity but was subsequently altered for purposes of deceit ; and ( B ) appears to be issued by or under the authority of the United States Government, a State , a political subdivision of a State, a sponsoring entity of an event designated by the President as a special event of national significance, a foreign government, a political subdivision of a foreign government, or an international governmental or quasi-governmental organization ; ( 5 ) the term false authentication feature means an authentication feature that ( A ) is genuine in origin, but, without the authorization of the issuing authority, has been tampered with or altered for purposes of deceit ; ( B ) is genuine, but has been distributed, or is intended for distribution, without the authorization of the issuing authority and not in connection with a lawfully made identification document, document-making implement, or means of identification to which such authentication feature is intended to be affixed or embedded by the respective issuing authority ; or ( C ) appears to be genuine, but is not ; ( 6 ) the term issuing authority ( A ) means any governmental entity or agency that is authorized to issue identification documents, means of identification, or authentication features ; and ( B ) includes the United States Government, a State, a political subdivision of a State , a sponsoring entity of an event designated by the President as a special event of national significance, a foreign government, a political subdivision of a foreign government, or an international government or quasi-governmental organization ; ( 7 ) the term means of identification means any name or number that may be used, alone or in conjunction with any other information, to identify a specific individual, including any ( A ) name, social security number, date of birth, official State or government issued drivers license or identification number, alien registration number, government passport number, employer or taxpayer identification number ; ( B ) unique biometric data, such as fingerprint, voice print, retina or iris image, or other unique physical representation ; ( C ) unique electronic identification number, address, or routing code ; or ( D ) telecommunication identifying information or access device ( as defined in section 1029 ( e ) ) ; ( 8 ) the term personal identification card means an identification document issued by a State or local government solely for the purpose of identification ; ( 9 ) the term produce includes alter, authenticate, or assemble ; ( 10 ) the term transfer includes selecting an identification document, false identification document, or document-making implement and placing or directing the placement of such identification document, false identification document, or document-making implement on an online location where it is available to others ; ( 11 ) the term State includes any State of the United States, the District of Columbia, the Commonwealth of Puerto Rico , and any other commonwealth , possession, or territory of the United States ; and ( 12 ) the term traffic means ( A ) to transport, transfer, or otherwise dispose of, to another, as consideration for anything of value ; or ( B ) to make or obtain control of with intent to so transport, transfer, or otherwise dispose of.\n\n( e ) This section does not prohibit any lawfully authorized investigative, protective, or intelligence activity of a law enforcement agency of the United States, a State, or a political subdivision of a State, or of an intelligence agency of the United States, or any activity authorized under chapter 224 of this title.\n\n( f ) Attempt and Conspiracy.\n\nAny person who attempts or conspires to commit any offense under this section shall be subject to the same penalties as those prescribed for the offense, the commission of which was the object of the attempt or conspiracy.\n\n( g ) Forfeiture Procedures.\n\nThe forfeiture of property under this section, including any seizure and disposition of the property and any related judicial or administrative proceeding, shall be governed by the provisions of section 413 ( other than subsection ( d ) of that section ) of the Comprehensive Drug Abuse Prevention and Control Act of 1970 ( 21 U.S.C. 853 ).\n\n( h ) Forfeiture ; Disposition.\n\nIn the circumstance in which any person is convicted of a violation of subsection ( a ), the court shall order, in addition to the penalty prescribed, the forfeiture and destruction or other disposition of all illicit authentication features, identification documents, document-making implements, or means of identification.\n\n( i ) Rule of Construction.\n\nFor purpose of subsection ( a ) ( 7 ), a single identification document or false identification document that contains 1 or more means of identification shall be construed to be 1 means of identification.\n\nI did not create this inquiry and when I contacted Transunion WITH THE ID THEFT AFFIDAVIT FORM not ONLY should it have been REMOVED! The credit bureau should have invoked 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.\n\n( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.and 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.\n\n( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\n( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.\n\n( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.\n\n( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.\n\n( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award. \n( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable. \n( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.\n\n( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.\n\n( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.\n\n( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.\n\n( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.\n\n( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.\n\n( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.\n\n( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.\n\n( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding.\n\n( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought.\n\n( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.\n\n( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. 12958 or successor orders.\n\n( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised.\n\n( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing.\n\n( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.\n\n( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.\n\n( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.\n\n( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph.\n\n( 3 ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system.\n\n( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency.\n\n( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after XX/XX/XXXX, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ).","date_sent_to_company":"2023-01-19T18:02:06.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33604","tags":null,"has_narrative":true,"complaint_id":"6460029","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-01-19T16:30:32.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["For purpose of subsection ( a ) ( 7 ), a single <em>identification</em> document or false <em>identification</em> document that contains 1 or more means of <em>identification</em> shall be construed to be 1 means of <em>identification</em>.\n\nI did not create this inquiry and when I contacted Transunion WITH THE ID THEFT AFFIDAVIT FORM not <em>ONLY</em> should it have been REMOVED! The credit bureau should have invoked 15 U.S."]},"sort":[12.5747595,"6460029"]},{"_index":"complaint-public-v1","_id":"2549817","_score":12.111601,"_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 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 <em>provided</em> 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"]},"sort":[12.111601,"2549817"]},{"_index":"complaint-public-v1","_id":"3182628","_score":11.871031,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I had opened a Capital One MasterCard credit card about two years ago. On XX/XX/XXXX, I decided to apply for a new credit card due to a promotional bonus and also needing a Visa CC for Costco Gas. The credit card was approved and days later, my existing card was restricted. No email, call, text, or notification. After calling in several times XXXX and XXXX, was told I had to complete a verification that my social security number belonged to me before both of my accounts could be unrestricted ( Form SSA-89 which is Authorization for the SSA to release social security number verification ). Note I have joint savings and checking accounts with my husband at Capital One with thousands in deposits as well. \n\nI receive this form in XXXX ( now 1+ month later ) and sign and send it back. XX/XX/XXXX and they have not received the form accordingly to them. No clear answer as to what's happening at this point, only that they need the form signed to verify my SSN belongs to me. Capital One resends the letter and provides me with an emailed link to upload a copy of the XX/XX/XXXX letter I had mailed. Apparently the copy I uploaded did not suffice as it needed to be signed within 30 days ( even though the form states the consent is valid for 90 days ). I used the link to also upload my passport, green card, social security card copy, XXXX IRS tax transcripts, NJDL, gas bill, cable bill, and documentation from XXXX, all of which support my name, address, DOB, and SSN ( my full identity ). This is now in XX/XX/XXXX. \n\nBeginning of XXXX ( about the XXXX ), no response, call, email, or text from Capital One still. Sign on to online banking and see that now BOTH of the credit cards are closed. I've now called in over 15 times and spent countless hours on the phone trying to rectify the situation. I even offered to go to a Capital One branch to show my identification in person to verify my identity. I've gone above and beyond to prove my identity and even continue to have no issues with my existing Capital One deposit accounts and over 5 different banks I also use. I call in and am told my credit card is closed and the fraud department was unable to verify my name matches with my social security number. A representative offers to assist me by personally handling the matter and to this day, I have not had a response from her. She simply stated my name does not match my SSN per the social security administration information they received. I asked her to confirm they ran the name and number correctly. No response as of yet on this. She asked me to go to the local social security office, which I did about a week later to request a letter validating my SSN belongs to me as Capital One recommended. \n\nThe SSA states they do not provide letters as my SSN belongs to me and my SS card is my proof of this. I've already provided this to Capital One. I call in and advise the same. I also ask for a new link to upload additional supporting docs and ask for the same rep that assisted me to please call me back. Multiple calls asking for her to call me back have gone unanswered. I received the link ( still XX/XX/XXXX ) and uploaded additional supporting documentation, including mySocialSecurity website printout showing I'm enrolled and that my SSN, name, and address all correspond to the information Capital One has received from me. I also uploaded my XXXX tax refund that I'd just filed with my husband in its entirety along with the XXXX from my employer. Not my direct deposit goes into the Capital One checking account that is STILL opened to this day. How is it possible that Capital One will close out my credit cards because \" my social security number doesn't belong to me '' but leave my deposit accounts opened where I have thousands of dollars deposited? \n\nThis is terrible business practice. Seems to be more convenient to keep my deposits when it benefits them. Note I also have NEVER made a late payment or carried balances, which ALL of the reps I spoke to confirmed as well. There were no prior issues at all with the account. to this day ( XX/XX/XXXX ), Capital One has not responded at all to my inquiries. Every time I call I'm told the documentation I provided is still being reviewed. I had even uploaded my a new picture of my social security card and the supporting documents ( passport, driver 's license, green card, tax transcripts, etc ... ) back in XX/XX/XXXX. I have never been so ashamed and embarrassed to have to \" beg '' for assistance so many times. Terrible, terrible customer service and follow-up. No accountability whatsoever. After bringing Capital One so much business over the years ( and I still have a banking relationship with them as does my husband, who has 3 credit cards actively being used and in good standing - one of which I'm an authorized signer on, ironically ), this is how they treat me? Truly disappointing and unacceptable. \n\nIf I was impersonating someone, why would I continue to \" expose '' myself by submitting so much supporting documentation supporting my identity? Why would I volunteer to go to a Capital One branch to show face and verify the original documentation in person? Why hasn't Capital One accepted me going in person to verify my government-issued identification? There are so many disconnects that I still can not believe this is happening today. \n\nI even emailed the CEO last week and to this day - no response. At this point, I don't even know what to do to try and get a straight answer. There is just no customer service. Capital One has NEVER sent me any correspondence whatsoever related to my accounts being frozen or eventually being closed. They REFUSE to assist me and provide customer service. I am STILL a customer and continue to have thousands of dollars in deposits with them under MY NAME with MY SSN, which they say does not belong to me and as a result closed out my two credit cards? This doesn't make sense. Someone or multiple individuals are not doing their job. These are unfair business practices that are taking place and bad customer service, which shows they truly do not care about assisting their customers and only continue to provide the services that truly benefit their bottom line, in this case, thousands in deposit balances.","date_sent_to_company":"2019-03-19T07:46:45.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"070XX","tags":null,"has_narrative":true,"complaint_id":"3182628","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2019-03-19T03:04:37.000Z","state":"NJ","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["She simply stated my name does not match my SSN per the social <em>security</em> <em>administration</em> information they received. I asked her to confirm they ran the name and number correctly. No response as of yet on this. She asked me to go to the local social <em>security</em> office, which I did about a week later to request a letter validating my SSN belongs to me as Capital One recommended. \n\nThe SSA states they do not provide letters as my SSN belongs to me and my SS card is my proof of this."]},"sort":[11.871031,"3182628"]},{"_index":"complaint-public-v1","_id":"5892036","_score":11.56001,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Unauthorized Administration of XXXX XXXX XXXX Estate [ XXXX ]. \nKNOW MEN BY THESE PRESENTS : I- XXXX XXXX XXXX, am an Original Indigenous Sentient Divine Soul from XXXX a Walking, Talking, Independent Island LIVING on the land of XXXX XXXX with righteous acknowledgment, Reclaiming in Glorious and Proper Capacity her Esteemed Honorable place as occupant of the EXECUTRIX Office of XXXX XXXX XXXX, Estate. The XXXX XXXX is requesting that all of your paperwork, filings, addresses and personal information be updated to reflect the legal and lawful place of XXXX XXXX XXXX as the rightful occupant of the Executor, Office of the aforementioned Estate, which is a beneficial estate for XXXX XXXX XXXX, Estate [ XXXX ]. \n\nI sent my letter off on XX/XX/XXXX I told the credit bureaus to \" investigate every piece of information '' on the accounts I have listed below.According to the FCRA the term \" investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal charactertics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is aquainted or who may have knowledge concerning any such items of information.\n\nThey stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on accounts are still not reporting 100 % Accurate. According to the FCRA 15 USC 1681 everything has be be 100 % Accurate. They did not do this and have violated my rights.\n\nI have a Right to Privacy the Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to safeguard the confidentiality of customer information. Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. 15 U.S.C. 6802 ( b ), ( e ) ( 2012 ).\n\nI have not given consent nor provided written permission for any these companies to report my private nonpublic information which is listed on the attached credit reports. I did not provide explicit or verbal permission for them to report this information. This is a PRIVACY Issue now when it comes to Consumer Law.\n\nPer 15 USC 6803 Disclosure of institution privacy policy ( a ) DISCLOSURE REQUIRED At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to- ( 1 ) Disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed.\n\nI have a Right to Privacy the Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to safeguard the confidentiality of customer information. Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. 15 U.S.C. 6802 ( b ), ( e ) ( 2012 ).\n\nI've NEVER received Notice that my information would be shared to third parties. I did not consent, nor did I provide written permission to share my nonpublic personal information with anyone, CRAs or Creditors. Also, 15 USC 1681 604 A Section 2 - States a Consumer Reporting Agency SHALL Not furnish an account without my written permission or instruction. I have never given written permission to any company.\n\nThese entities have used my information without my consent and that is Identity Theft.\n\nThe following items listed on my credit reports attached are identified as a result of identity theft. These items were illegally placed on my credit report without Notice, and I never gave consent nor permission for these companies to report my private non-public information below. I never received the Social Security Form SSA89 the Authorization for the Social Security Administration ( SSA ) To Release Social Security Number ( SSN ) Verification. These companies must have this form on file prior to releasing information to the CRAs Who is Reporting the Bankruptcy on my Credit File? \n( SEE ATTACHED LETTER FROM XXXX XXXX ) Pursuant to Rule 1005 of the Federal Rules of Bankruptcy Procedure, all documents filed with the court are to contain only the last four digits of the individuals social security number or tax identification. Under the Federal Rules of Bankruptcy Procedure, a debtors full social security number is filed with the original petition and filed under seal Meaning the only information released to third parties who are not involved directly with directly with your case is ( 1 ) Your full name ( 2 ) The Last Four Digits of Your Social Security Number and ( 3 ) Your address.\n\nAfter reviewing my credit report in the Public Records Section, it shows who furnished the information you claim the furnisher are the courts, but Ive took the time to call the courts and spoke to the Bankruptcy XXXX XXXX XXXX and she stated We do not furnish any information to any third party including the credit bureaus nor do we provide anyone with a debtors full social security number. So why are you - the credit bureau providing false information? This is a clear violation of the Fair Credit Reporting Act to report false information on my credit report. I know now that the credit bureaus get public record information from XXXX or sometimes PACER which are for profit companies that is in the information-selling business. They regularly collect public records information into their database, and then they sell it to the credit bureaus. Credit Bureau claim to get information from a court, when it obtained from an unnamed XXXX party, could be easily be considered false information on my credit report. Who is XXXX on XXXX, XXXX? HOW WAS THIS BANKRUPTCY VERIFIED? \n\nI have not given consent nor provide written permission for any these companies to report my private non-public information which is listed on the attached credit reports. I did not provide explicit or verbal permission for them to report this information. This is a PRIVACY Issue now when it comes to Consumer Law. These companies are buying and selling my private non-public information and profiting off my information without my permission. These companies have complied reports on me that is supposed to represent who I am, and I did not give them permission to do that. The information which they have provided to you on record is a violation of my Consumer Rights and my Privacy. Im demanding that you follow the law and block/remove any information identified as a result of Identity Theft, no later than 4 business days after the date of receipt of such information you receive from me. No Consent equals Identity Theft and a Crime Act per 18 USC 1028","date_sent_to_company":"2022-08-19T00:10:28.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"731XX","tags":null,"has_narrative":true,"complaint_id":"5892036","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-08-19T00:10:24.000Z","state":"OK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["( SEE ATTACHED LETTER FROM XXXX XXXX ) Pursuant to Rule 1005 of the Federal Rules of Bankruptcy Procedure, all documents filed with the court are to contain <em>only</em> the last four digits of the individuals social <em>security</em> number or tax <em>identification</em>."]},"sort":[11.56001,"5892036"]},{"_index":"complaint-public-v1","_id":"4117796","_score":10.964721,"_source":{"product":"Checking or savings account","complaint_what_happened":"TIAA Bank makes use of the Social Security number ( SSN ) for identification purposes and refuses service to customers tying to access their account information or seek help from the bank over the telephone that do not provide this number for purposes entirely unrelated to tax reporting purposes. The bank has a legitimate right to request the SSN from its customers for tax reporting purposes, but not for identification purposes every time one makes a telephone call to the bank. On XXXX XX/XX/XXXX, I wrote to XXXX XXXX XXXX, XXXX, President and Chief Executive Officer of TIAA, and requested that he put an end to the policy of using the SSN for identification purposes, in part or in full, because this policy contributes to the perpetration of financial fraud in this country, and because the bank denies me service when I do not assent to the banks use of the SSN for purposes not related to the administration of the Social Security system. Having received no response to my letter of XXXX XX/XX/XXXX, I wrote again to XXXX XXXX XXXX, requesting a reply to my letter of XXXX XX/XX/XXXX. The Banks response was to make no change in its use of the SSN for identification purposes, and to provide no explanation as to why I did not receive service from the bank on XXXX XX/XX/XXXX. However, subsequent to these communications with the bank, the situation did improve. I was able, with some insistence, as well as with repeated telephone calls, to receive service by providing my TIAA verbal password. This situation drastically changed in XX/XX/XXXX. Every time I initiated telephone contact with the bank I was required to provide my SSN as an identifier. This practice is clearly an abuse of the SSN. The SSN should not be used for initiating communications with the bank. I informed my TIAA Wealth Management Advisor, XXXX XXXX, of my inability to engage in communications with the bank due to its policy of requiring the SSN as an identifier every time I initiated a telephone call. I told him that I had previously raised this matter with the President and Chief Executive Officer of TIAA, XXXX XXXX, and he asked me to send him my letter to Mr. XXXX, which he said he would forward to the executive team of the bank, along with my current complaint, for a response. On XXXX XX/XX/XXXX, I received an email from Mr. XXXX XXXX, Senior Customer Resolution Manager, Customer Care Team, at TIAA Bank, which acknowledged receiving my XXXX XX/XX/XXXX letter to Mr. XXXX and my complaint regarding the banks use of the SSN as an identifier, and said that a representative from TIAA Bank will be reaching out to address [ my ] concerns. In XX/XX/XXXX, I received a letter, dated the XXXX of the month, from Ms. XXXX XXXX at TIAA Bank Customer Care. In it she said she was responding to my XX/XX/XXXX letter to Mr. XXXX, not to my recent complaint about the ubiquitous use by the bank of the SSN as an identifier and about the bank 's refusing service to me because I object to the banks use of the SSN as a form of identification. She made no reference to the banks use of the SSN as a form of identification in her letter, construing my complaint as being psychological in naturethe product of my perception of [ the banks ] customer authentication protocols, which I may have felt inconvenient or cumbersome. '' The bank only wants to deal with this issue as a perceptual phenomenon, not as real, objective phenomenon : a refusal to provide service because one objects to the banks use of the SSN as a form of identification. The bank has refused me service on too many occasions to recount. On Saturday, XXXX XX/XX/XXXX, I received a letter from TIAA Bank but signed, not by a person from TIAA Bank, but by a fictive entity, XXXX XXXX. The letter was dated XXXX XX/XX/XXXX, but postmarked XXXX XX/XX/XXXX, and required a response by XXXX XX/XX/XXXX, warning that failure to respond by that date would result in the termination of our investigation [ of a charge placed on my account for an item fraudulently misrepresented by the seller ] and make a decision on [ my ] claim based on the information that we currently have available [ from the seller seeking to defraud me ]. By imposing an impossible deadline on me, and restricting the means by which to replyin writing by mail or faxwith documentation that supports [ my ] claim, the bank is purposely trying to throw out my case and undermine my rights as a consumer. On Monday, XXXX XX/XX/XXXX, I called TIAA Bank trying to get the contact information ( telephone and email ) of MrXXXX XXXX XXXX, the Chief Executive Officer and President of TIAA Bank, in order to respond to the banks impossible deadline for a reply to TIAA Banks letter of XXXX XX/XX/XXXX. A XXXX at TIAA would not provide this information, but said that she would have her supervisor call me ( her supervisor never did call me ). A XXXX at TIAA refused to help me and hung up on me. A Reneshia did not provide me with any help and transferred me to a XXXX, who provided no help either, but, upon my request, transferred me to her supervisor, XXXX XXXX, who declined to provide me with Mr. XXXX contact information, but did give me an email address ( XXXX ). I asked Ms. XXXX to put me in contact with XXXX supervisor, but she did not know of any XXXX or any supervisor of XXXX. Later, during the afternoon of XXXX XX/XX/XXXX, I continued my quest to obtain the contact information of Mr. XXXX so that I might respond to TIAA Banks impossible deadline. I spoke to a XXXX, a XXXX, and XXXX XXXX, all of whom provided me with no help. I located a telephone number for MrXXXX XXXX on the internet, XXXX, and called this number, but was immediately transferred to voicemail. I left a message, but I never received a return call. During the afternoon, I spoke to Mr. XXXX XXXX of TIAA Bank and informed him of my problem in responding to the impossible deadline set by the bank. He provided me with another email address, XXXX, to send my reply and accompanying documentation to in order to meet the banks impossible deadline. Because I did not have a Fax machine and had spent all day unsuccessfully trying to obtain XXXX XXXX contact information, and because I could obtain no written extension of the banks impossible deadline from any of the TIAA agents that I had dealt with, my only recourse was to send a response to Mr. XXXX using all of the known email addresses I had for TIAA ( XXXX, XXXX, XXXX, and XXXX ), in the hope that my response would reach him. The following day, I sent the hardcopy of what was emailed to Mr. XXXX using the return address on TIAAs letter to me of XXXX XX/XX/XXXX. No one at TIAA has confirmed the receipt by Mr. XXXX of my letter with accompanying documentation. On XXXX XX/XX/XXXX, I called Mr. XXXX, but was immediately transferred to his voicemail. I left a message for him to call me back. At XXXX XXXX, I received a call from XXXX from TIAAs Dispute Team. She had not received the materials sent to Mr. XXXX, and could only inform me of the process of how the bank handles a disputed transaction, not any information pertaining to my case. Mr. XXXX returned my telephone call at XXXX XXXX. and acknowledged receiving my email requesting him to kindly forward the following letter and attached documentation to Mr. XXXX XXXX, Chief Executive Officer and President of TIAA Bank regarding Correspondence from TIAA Bank, dated XXXX XX/XX/XXXX, referencing Claim Number XXXX. He said that he had done so. At XXXX XXXX on XXXX XX/XX/XXXX, I called Ms. XXXX, responding to her invitation to contact [ her ] directly at XXXX, regarding her letter to me of XXXX XX/XX/XXXX. My call was immediately transferred to voicemail. I left a message for her to telephone me. She did not telephone me. The next day, I again telephoned Ms. XXXX and again was transferred to her voicemail. I left a message for her to telephone me. She did not telephone me. At XXXX XXXX., on the same day, I spoke to Mr. XXXX, and told him that I had been unable to contact Ms. XXXX, and that my requests for a return call had gone unanswered. For the very first time, Mr. XXXX informed me of his position at TIAAManager of TIAA Bank Customer Careand that Ms. XXXX was under him and wrote to me under his direction. This is the very first time that anyone at TIAA Bank or in Customer Care at the bank acknowledged the existence of XXXX XXXX. I asked Mr. XXXX to please have Ms. XXXX return my telephone calls. Today, XXXX XX/XX/XXXX, I received a call from a woman who introduced herself only by her first name, \" XXXX. '' With some insistence I pried from her her last name, \" XXXX. '' She did not tell me that she was recording the conversation. Only when I heard an echo on the line did I ask her if the telephone call was being recorded. When she said that it was, I terminated the telephone call. I believe by law in the state of Florida, where Ms. XXXX telephoned from, everyone involved in a telephone conversation must agree to be recorded. MsXXXX XXXX did not follow the law and did not even have the courtesy to tell me at the beginning of the call that the conversation was being recorded. I had to pry that information out of her, just as I had to pry her last name out of her. There have been many other problematic contacts with TIAA Bank : refusals of service by TIAA representatives, telephone calls not being returned by TIAA representatives, TIAA representatives hanging up on me, etc. Much of this behavior stems from my refusal to allow the bank to use the SSN as an identifier in order to initiate communications with the bank. This practice must stop.","date_sent_to_company":"2021-02-14T18:23:27.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"78727","tags":null,"has_narrative":true,"complaint_id":"4117796","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EVERBANK, NATIONAL ASSOCIATION","date_received":"2021-02-04T23:38:17.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["On XXXX XX/XX/XXXX, I wrote to XXXX XXXX XXXX, XXXX, President and Chief Executive Officer of TIAA, and requested that he put an end to the policy of using the SSN for <em>identification</em> purposes, in part or in full, because this policy contributes to the perpetration of financial fraud in this country, and because the bank denies me service when I do not assent to the banks use of the SSN for purposes not related to the <em>administration</em> of the Social <em>Security</em> system."]},"sort":[10.964721,"4117796"]},{"_index":"complaint-public-v1","_id":"5711072","_score":10.433582,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The information and dates are inaccurate, I have many issues on my XXXX XXXX Experian and XXXX reports, I have disputes many times, all of them have got no response or just a regular decline decision, I have called and spoke to supervisors of the companies and they have not made any steps to investigation and helping resolving these issues, I need help, for years these inaccuracies have put my livelihood and career in drastic turmoil, I just had a child and I need my credit reflect who I am and what I am working toward, and I have got no help, Ive filed many disputes and made many long waited phone calls and I have received no help and no answers, https : XXXX.consumerfinance.gov/XXXX \nA Summary of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/XXXX  or write to : Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX, Washington, DC XXXX. \nYou must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment or to take another adverse action against you must tell you, and must give you the name, address, and phone number of the agency that provided the information. \nYou have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency ( your file disclosure ). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if : a person has taken adverse action against you because of information in your credit report ; you are the victim of identity theft and place a fraud alert in your file ; your file contains inaccurate information as a result of fraud ; you are on public assistance ; you are unemployed but expect to apply for employment within 60 days.\n\nIn addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www.consumerfinance.gov/learnmore for additional information.\n\nYou have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.\n\nYou have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfinance.gov/XXXX  for an explanation of dispute procedures. \n\nConsumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.\n\nConsumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.\n\nAccess to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need -- usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access.\n\nYou must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to www.consumerfinance.gov/XXXX. \nYou many limit prescreened offers of credit and insurance you get based on information in your credit report. Unsolicited prescreened offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt out with the nationwide credit bureaus at XXXX ( XXXX ). \nYou may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court. \nIdentity theft victims and XXXX XXXX military personnel have additional rights. For more information, visit www.consumerfinance.gov/learnmore. \nStates may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. For information about your federal rights, contact : TYPE OF BUSINESS : CONTACT : 1.a. Banks, savings associations, and credit unions with total assets of over {$10.00} billion and their affiliates b. Such affiliates that are not banks, savings associations, or credit unions also should list, a. Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX. \nWashington XXXX DC XXXX b. Federal Trade Commission : Consumer Response Center FCRA in addition to the CFPB : Washington, DC XXXX ( XXXX ) XXXX XXXX. To the extent not included in item 1 above : a. National banks, federal savings associations, and federal branches and federal agencies of foreign banks b. State member banks, branches and agencies of foreign banks ( other than federal branches, federal agencies, and Insured State Branches of Foreign Banks ), commercial lending companies owned or controlled by foreign banks, and organizations operating under section 25 or 25A of the Federal Reserve Act c. Nonmember Insured Banks, Insured State Branches of Foreign Banks, and insured state savings associations d. Federal Credit Unions a. Office of the Comptroller of the Currency Customer Assistance Group XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX b. Federal Reserve Consumer Help Center XXXX XXXX XXXX XXXX XXXX, MN XXXX c. FDIC Consumer Response Center XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX d. National Credit Union Administration Office of Consumer Protection ( OCP ) Division of Consumer Compliance and Outreach ( DCCO ) XXXX XXXX XXXX XXXX, VA XXXX 3. Air carriers Asst. General Counsel for Aviation Enforcement & Proceedings Aviation Consumer Protection Division Department of Transportation XXXXXXXX XXXX XXXX XXXX XXXX  Washington, DC XXXX 4. Creditors Subject to the Surface Transportation Board Office of Proceedings, Surface Transportation Board Department of Transportation XXXX XXXX XXXX, XXXX. \nWashington, DC XXXX 5. Creditors Subject to the Packers and Stockyards Act, 1921 7. Brokers and Dealers Nearest Packers and Stockyards Administration area supervisor Securities and Exchange Commission XXXX XXXX XXXX, XXXX. \n6. Small Business Investment Companies Associate Deputy Administrator for Capital Access United States Small Business Administration XXXX XXXX XXXX, XXXX, XXXX XXXX Washington XXXX DC XXXX Washington, DC XXXX 8. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and Production Credit Associations Farm Credit Administration XXXX XXXX XXXX XXXX XXXX, VA XXXX 9. Retailers, Finance Companies, and All Other Creditors Not Listed Above FTC Regional Office for region in which the creditor operates or Federal Trade Commission : Consumer Response Center FCRA Washington, DC XXXX ( XXXX ) XXXX","date_sent_to_company":"2022-06-27T04:19:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30034","tags":"Servicemember","has_narrative":true,"complaint_id":"5711072","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-06-27T04:18:56.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["You will be required to provide proper <em>identification</em>, which may include your Social <em>Security</em> number. In many cases, the disclosure will be free."]},"sort":[10.433582,"5711072"]},{"_index":"complaint-public-v1","_id":"12277248","_score":10.284843,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Fair Credit Reporting Act ( FCRA ) Para informacin en XXXX, XXXX XXXX XXXX XXXX XXXX la Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. \n\nA Summary of Your Rights Under the Fair Credit Reporting Act. \nThe federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to : Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. \n\nYou must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment or to take another adverse action against you must tell you, and must give you the name, address, and phone number of the agency that provided the information. \n\nYou have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency ( your \" file disclosure '' ). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if : a person has taken adverse action against you because of information in your credit report ; you are the victim of identity theft and place a fraud alert in your file ; your file contains inaccurate information as a result of fraud ; you are on public assistance ; you are unemployed but expect to apply for employment within 60 days. \nIn addition, all consumers are entitled to one free disclosure every 12 months upon request from each XXXX credit bureau and from XXXX XXXX consumer reporting agencies. See www.consumerfinance.gov/learnmore for additional information. \n\nYou have the right to ask for a credit score. Credit scores are numerical summaries of your creditworthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender. \n\nYou have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfinance.gov/learnmore for an explanation of dispute procedures. \n\nConsumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. \n\nConsumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. \n\nAccess to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access. \n\nYou must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to www.consumerfinance.gov/learnmore. \n\nYou may limit \" prescreened '' offers of credit and insurance you get based on information in your credit report. Unsolicited \" prescreened '' offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). \n\nYou may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court. \n\nIdentity theft victims and XXXX XXXX military personnel have additional rights. For more Information, visit www.consumerfinance.gov/learnmore. \n\nConsumers Have The Right To Obtain A Security Freeze You have a right to place a 'security freeze ' on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit. \n\nAs an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumer 's credit file. Upon seeing a fraud alert display on a consumer 's credit file, a business is required to take steps to verify the consumer 's identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years. \n\nA security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements. \n\nStates may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. For more information about your federal rights, contact : FOR QUESTIONS OR CONCERNS REGARDING : PLEASE CONTACT : 1.a. Banks, savings associations, and credit unions with total assets of over {$10.00} billion and their affiliates. \n\nb. Such affiliates that are not banks, savings associations, or credit unions also should list in addition to the Bureau : a. Bureau of Consumer Financial Protection XXXX XXXX XXXX XXXXXXXX XXXX DC XXXX b. Federal Trade Commission Consumer Response Center XXXX XXXX XXXX XXXX Washington XXXX DC XXXX 2. To the extent not included in item 1 above : a. National banks, federal savings associations, and federal branches and federal agencies of foreign banks b. State member banks, branches and agencies of foreign banks ( other than federal branches, federal agencies, and insured state branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, and organizations operating under section 25 or 25A of the Federal Reserve Act c. Nonmember Insured banks, Insured State Branches of Foreign Banks, and insured state savings associations d. Federal Credit Unions a. Office of the Comptroller of the Currency Customer Assistance Group XXXX XXXX XXXX XXXX, TX XXXX b. Federal Reserve Consumer Help XXXX XXXX XXXX XXXX XXXX, MN XXXX c. Division of Depositor and Consumer Protection National Center for Consumer and Depositor Assistance Federal Deposit Insurance Corporation XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX, MO XXXX XXXX National Credit Union Administration Office of Consumer Financial Protection XXXX XXXX XXXX XXXX, VA XXXX XXXX. Air carriers Assistant General Counsel for Office of Aviation Consumer Protection Department of Transportation XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX DC XXXX XXXX. Creditors Subject to Surface Transportation Board Office of Public Assistance, Governmental Affairs, and Compliance Surface Transportation Board XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX. Creditors Subject to Packers and Stockyards Act Nearest Packers and Stockyards Division Regional Office 6. Small Business Investment Companies Associate Administrator, Office of Capital Access United States Small Business Administration XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  DC XXXX 7. Brokers and Dealers Securities and Exchange Commission XXXX XXXX XXXX XXXXXXXX XXXX, DC XXXX XXXX. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and Production Credit Associations Farm Credit Administration XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX. Retailers, Finance Companies, and All Other Creditors Not Listed Above FTC Regional Office for region in which the creditor operates or Federal Trade Commission : Consumer Response Center - FCRA XXXX XXXX DC XXXX ( XXXX ) XXXX","date_sent_to_company":"2025-03-01T18:06:43.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"411XX","tags":null,"has_narrative":true,"complaint_id":"12277248","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-01T17:56:59.000Z","state":"KY","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":["You will be required to provide proper <em>identification</em>, which may include your Social <em>Security</em> number. In many cases, the disclosure will be free."]},"sort":[10.284843,"12277248"]},{"_index":"complaint-public-v1","_id":"22806729","_score":10.12895,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"CONSUMER COMPLAINT TO THE CONSUMER FINANCIAL PROTECTION BUREAU Submission Method : Online Portal Complaint Reference : [ CFPB CASE NUMBER - TO BE ASSIGNED ] ________________________________________ COMPLAINANT INFORMATION Full Legal Name : XXXX XXXX Current Mailing Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, NV XXXX Primary Phone Number : ( XXXX ) XXXX Email Address : XXXX Jurisdiction : XXXX, Nevada ________________________________________ FINANCIAL INSTITUTION INFORMATION Company Name : Hyundai Motor Finance Company Product Type : Auto Loan/Vehicle Financing Vehicle Information : XXXX XXXX XXXX  Vehicle Identification Number ( VIN ) : XXXX Approximate Monthly Payment : {$670.00} Loan Origination Period : XXXX XXXX ________________________________________ DECEASED BORROWER INFORMATION Deceased Borrowers Full Legal Name : XXXX XXXX Date of Birth : XX/XX/XXXX Date of Death : XX/XX/XXXX Last Known Address : XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX, NV XXXX Last XXXX Digits of Social Security Number : XXXX Complainants Relationship to Deceased : Heir to the deceaseds estate with interest in preserving the vehicle asset Estate Status : The family is currently researching and looking into probate proceedings in Nevada. We recently received the death certificate after an extended waiting period, which delayed our ability to properly notify creditors and begin estate administration. \n________________________________________ DETAILED ISSUE DESCRIPTION Timeline of Events XXXX XXXX : XXXX  XXXX financed the XXXX XXXX XXXX  through Hyundai Motor Finance Company XXXX The financing included a trade-in of a XXXX XXXX XXXX XXXX resulting in monthly payments of approximately {$670.00}. XXXX XXXX consistently made payments using her XXXX XXXX benefits. \nXX/XX/XXXX : XXXX  XXXX passed away due to terminal XXXX that caused XXXX failure. Her death was unexpected despite her illness, creating immediate financial and logistical challenges for the family. \nXXXX XXXX through XX/XX/XXXX : The family was in the process of relocating residences by the end of XX/XX/XXXX. When XXXX XXXX passed away, the family became stuck with the moving process while simultaneously dealing with her death and estate matters. \nXX/XX/XXXX : The family was unable to make the scheduled monthly payment due to the immediate financial strain and housing instability caused by XXXX XXXX unexpected death. \nWithin the Last Sixty Days : I contacted Hyundai Motor Finance twice to notify them of my mothers passing and to request payment arrangements. During the first call, I specifically inquired about making a payment arrangement to maintain the loan in good standing. Hyundai Motor Finance denied this request without providing any explanation or alternative solutions. \nRecent Weeks : The family finally received XXXX XXXX death certificate after an extended waiting period, which had prevented us from properly documenting her death to creditors and financial institutions. \nCurrent Status : I have completed the relocation process. The XXXX XXXX XXXX  is now secured at XXXX XXXX XXXX, XXXX XXXX, XXXX, NV XXXX. The vehicle is covered by active insurance under my name, and I am the listed driver on the insurance policy. \nCommunication with Hyundai Motor Finance Despite my attempts to work with Hyundai Motor Finance in good faith, the company has provided no meaningful assistance or alternative solutions. The representatives I spoke with declined to offer payment arrangements without providing any explanation for this decision or information about other available options for families dealing with deceased borrower situations. \n________________________________________ CONSUMER PROTECTION CONCERNS Fair Debt Collection Practices Act Compliance Issues XXXX XXXX XXXX refusal to work with heirs on payment arrangements during the estate transition period raises concerns about potential violations of fair debt collection practices. Under the Fair Debt Collection Practices Act, 15 U.S.C. 1692, financial institutions must provide reasonable accommodations and can not engage in unfair practices when dealing with family members of deceased borrowers. \nFailure to Provide Reasonable Accommodation Hyundai Motor Finance has failed to provide reasonable accommodation for estate-related circumstances. The companys rigid approach to deceased borrower situations demonstrates a lack of policies that consider the unique challenges families face during estate transitions, particularly when dealing with unexpected deaths and the time required to obtain necessary documentation such as death certificates. \nLack of Clear Communication About Options The company has demonstrated a lack of clear communication about available options for families of deceased borrowers. This absence of transparent communication violates consumer protection principles and leaves families without guidance during already difficult circumstances. \nNeed for Better Policies for Deceased Borrower Situations Hyundai Motor Finances current policies appear inadequate for handling deceased borrower situations in a manner that complies with federal consumer protection laws. The companys approach fails to recognize the legitimate interests of heirs who wish to preserve vehicle assets and continue loan payments during estate administration. \n________________________________________ FINANCIAL IMPACT AND CIRCUMSTANCES Immediate Financial Strain and Housing Instability XXXX  XXXX unexpected death created immediate financial strain and housing instability for me and my family. The timing of her death coincided with our planned relocation, which compounded the financial and logistical challenges we faced. This situation forced us to manage estate matters, complete a move, and attempt to maintain loan obligations simultaneously. \nTemporary Financial Difficulty with Commitment to Payment While I am experiencing temporary financial difficulty due to the circumstances surrounding my mothers death and our forced relocation, I remain committed to maintaining the loan payments. The vehicle represents my mothers hard work and dedication, as she consistently made payments using her Social Security benefits from the time she financed the car. \nPreservation of Vehicle Asset The XXXX XXXX XXXX represents a significant asset of my mothers estate and a testament to her hard work prior to her death. The familys desire to preserve this asset is both financially prudent and emotionally important as we honor her memory and the efforts she made to secure reliable transportation.\n\n________________________________________ DESIRED RESOLUTION AND CFPB ACTION REQUESTED Investigation into Hyundai Motor Finance Practices I respectfully request that the Consumer Financial Protection Bureau investigate Hyundai Motor Finances practices regarding deceased borrower situations and their compliance with federal consumer protection laws. This investigation should examine whether the companys policies and procedures adequately protect the rights of family members and heirs during estate transitions. \nMediation and Dispute Resolution I request that the CFPB facilitate mediation between my family and Hyundai Motor Finance to establish a reasonable payment arrangement that allows us to maintain the vehicle while properly administering my mothers estate. A dispute resolution meeting would provide an opportunity for both parties to reach a fair agreement that honors my mothers memory and hard work. \nPayment Arrangement or Loan Modification I seek the CFPBs assistance in facilitating a reasonable payment arrangement or loan modification that takes into account the unique circumstances of my mothers death and the familys commitment to maintaining the loan. Such an arrangement should provide adequate time for estate administration while preserving the vehicle asset. \nTimeline for Response Given the urgent nature of the estate situation and the risk of further complications, I request that Hyundai Motor Finance be required to contact me within fifteen ( 15 ) days of receiving this complaint to discuss resolution options. \n________________________________________ SUPPORTING INFORMATION AND CURRENT STATUS Vehicle Security and Insurance Coverage The XXXX XXXX XXXX  is currently secured at my residence at XXXX XXXX XXXX, XXXX XXXX, XXXX, NV XXXX. The vehicle is covered by active insurance under my name, and I am the listed driver on the insurance policy. This demonstrates my commitment to maintaining the vehicle properly and my ability to assume responsibility for its care and maintenance. \nCommunication Preferences I request that Hyundai Motor Finance contact me by phone at ( XXXX ) XXXX and provide an email address for ongoing communication regarding this matter. Clear and direct communication channels will facilitate resolution and prevent further misunderstandings.\n\nEstate Administration Context While the family continues to research and pursue proper estate administration procedures in Nevada, the immediate need to address the vehicle loan can not wait for the completion of lengthy probate proceedings. The vehicles preservation is essential to maintaining the estates assets and honoring my mothers investment in reliable transportation. \n________________________________________ REGULATORY FRAMEWORK AND LEGAL BASIS This complaint is submitted pursuant to the Consumer Financial Protection Act of XXXX, which establishes the CFPBs authority to investigate consumer complaints and ensure compliance with federal consumer financial protection laws. The issues raised in this complaint implicate several areas of federal consumer protection law : Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) : XXXX XXXX XXXX handling of this matter raises questions about compliance with FDCPA requirements regarding communication with family members of deceased borrowers and the provision of reasonable accommodations during estate transitions. \nCFPB Regulation F ( 12 CFR Part 1006 ) : The companys communication practices and response to family member inquiries should comply with current regulatory requirements for debt collection communications and frequency limitations.\n\nTruth in Lending Act ( 15 U.S.C. 1601 ) and Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) : These laws provide additional consumer protections that should inform how financial institutions handle deceased borrower situations and work with family members seeking to preserve loan relationships.\n\n________________________________________ CONCLUSION AND HOPE FOR RESOLUTION I express hope that CFPB intervention will lead to a fair resolution that honors my mothers memory and hard work. XXXX  XXXX was a dedicated individual who consistently paid for this vehicle using her XXXX XXXX benefits from the time she financed it. Her commitment to maintaining her financial obligations should be respected, and her familys desire to preserve the vehicle she worked so hard to obtain should be accommodated through reasonable payment arrangements. \nThe resolution of this matter will not only serve my familys interests but will also establish important precedents for how financial institutions should handle deceased borrower situations with compassion, transparency, and compliance with federal consumer protection laws. \nI respectfully request the CFPBs prompt attention to this matter and assistance in achieving a resolution that allows my family to honor my mothers legacy while maintaining the vehicle that represents her hard work and dedication. \n________________________________________ ATTESTATION AND SIGNATURE I, XXXX XXXX XXXX hereby attest that the information provided in this complaint is true and accurate to the best of my knowledge and belief. I understand that providing false information to a federal agency may result in penalties under applicable law. I authorize the Consumer Financial Protection Bureau to share this complaint with Hyundai Motor Finance Company for the purpose of facilitating resolution of this matter.\n\nI further attest that I have made good faith efforts to resolve this matter directly with Hyundai Motor Finance Company before submitting this complaint to the CFPB, and that the company has not provided reasonable accommodation or alternative solutions to address the circumstances arising from my mothers death. \n________________________________________ Contact Information for Follow-Up : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX : ( XXXX ) XXXX Email : XXXX XXXX","date_sent_to_company":"2026-06-02T15:14:58.000Z","issue":"Struggling to pay your loan","sub_product":"Loan","zip_code":"89512","tags":null,"has_narrative":true,"complaint_id":"22806729","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HYUNDAI CAPITAL AMERICA","date_received":"2026-06-02T15:09:03.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Denied request to lower payments"},"highlight":{"complaint_what_happened":["Estate <em>Administration</em> Context While the family continues to research and pursue proper estate <em>administration</em> procedures in Nevada, the immediate need to address the vehicle loan can not wait for the completion of lengthy probate proceedings."]},"sort":[10.12895,"22806729"]},{"_index":"complaint-public-v1","_id":"5892074","_score":9.916249,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Unauthorized Administration of XXXX XXXX XXXX Estate [ XXXX ]. \nKNOW MEN BY THESE PRESENTS : I- XXXX XXXX XXXX, am an Original Indigenous Sentient Divine Soul from XXXX a Walking, Talking, Independent Island LIVING on the land of XXXX XXXX XXXX XXXX acknowledgment, Reclaiming in Glorious and Proper Capacity her Esteemed Honorable place as occupant of the EXECUTRIX Office of XXXX XXXX XXXX, Estate. The XXXX XXXX is requesting that all of your paperwork, filings, addresses and personal information be updated to reflect the legal and lawful place of XXXX XXXX XXXX as the rightful occupant of the Executor, Office of the aforementioned Estate, which is a beneficial estate for XXXX XXXX XXXX, Estate [ XXXX ]. \n\nI sent my letter off on XX/XX/XXXX I told the credit bureaus to \" investigate every piece of information '' on the accounts I have listed below.According to the FCRA the term \" investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal charactertics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is aquainted or who may have knowledge concerning any such items of information. \n\nThey stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on accounts are still not reporting 100 % Accurate. According to the FCRA 15 USC 1681 everything has be be 100 % Accurate. They did not do this and have violated my rights.\n\nI have a Right to Privacy the Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to safeguard the confidentiality of customer information. Under the XXXX, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. 15 U.S.C. 6802 ( b ), ( e ) ( 2012 ).\n\nI have not given consent nor provided written permission for any these companies to report my private nonpublic information which is listed on the attached credit reports. I did not provide explicit or verbal permission for them to report this information. This is a PRIVACY Issue now when it comes to Consumer Law.\n\nPer 15 USC 6803 Disclosure of institution privacy policy ( a ) DISCLOSURE REQUIRED At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to- ( 1 ) Disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed.\n\nI have a Right to Privacy the Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to safeguard the confidentiality of customer information. Under the XXXX, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. 15 U.S.C. 6802 ( b ), ( e ) ( 2012 ).\n\nI've NEVER received Notice that my information would be shared to third parties. I did not consent, nor did I provide written permission to share my nonpublic personal information with anyone, CRAs or Creditors. Also, 15 USC 1681 604 A Section 2 - States a Consumer Reporting Agency SHALL Not furnish an account without my written permission or instruction. I have never given written permission to any company.\n\nThese entities have used my information without my consent and that is Identity Theft.\n\nThe following items listed on my credit reports attached are identified as a result of identity theft. These items were illegally placed on my credit report without Notice, and I never gave consent nor permission for these companies to report my private non-public information below. I never received the Social Security Form SSA89 the Authorization for the Social Security XXXX ( XXXX ) To Release Social Security Number ( SSN ) Verification. These companies must have this form on file prior to releasing information to the CRAs Who is XXXX the Bankruptcy on my XXXX XXXX? \n( SEE ATTACHED LETTER FROM XXXX XXXX ) Pursuant to Rule 1005 of the Federal Rules of Bankruptcy Procedure, all documents filed with the court are to contain only the last four digits of the individuals social security number or tax identification. Under the Federal Rules of Bankruptcy Procedure, a debtors full social security number is filed with the original petition and filed under seal Meaning the only information released to third parties who are not involved directly with directly with your case is ( 1 ) Your full name ( 2 ) The Last Four Digits of Your Social Security Number and ( 3 ) Your address.\n\nAfter reviewing my credit report in the Public Records Section, it shows who furnished the information you claim the furnisher are the courts, but Ive took the time to call the courts and spoke to the Bankruptcy Clerk of Court and she stated We do not furnish any information to any third party including the credit bureaus nor do we provide anyone with a debtors full social security number. So why are you - the credit bureau providing false information? This is a clear violation of the Fair Credit Reporting Act to report false information on my credit report. I know now that the credit bureaus get public record information from XXXX or sometimes PACER which are for profit companies that is in the information-selling business. They regularly collect public records information into their database, and then they sell it to the credit bureaus. Credit Bureau claim to get information from a court, when it obtained from an unnamed 3rd party, could be easily be considered false information on my credit report. Who is Trespass on XXXX, Estate? HOW WAS THIS BANKRUPTCY VERIFIED? \n\nI have not given consent nor provide written permission for any these companies to report my private non-public information which is listed on the attached credit reports. I did not provide explicit or verbal permission for them to report this information. This is a PRIVACY Issue now when it comes to Consumer Law. These companies are buying and selling my private non-public information and profiting off my information without my permission. These companies have complied reports on me that is supposed to represent who I am, and I did not give them permission to do that. The information which they have provided to you on record is a violation of my Consumer Rights and my Privacy. Im demanding that you follow the law and block/remove any information identified as a result of Identity Theft, no later than 4 business days after the date of receipt of such information you receive from me. No Consent equals Identity Theft and a Crime Act per 18 USC 1028","date_sent_to_company":"2022-08-19T00:10:17.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"731XX","tags":null,"has_narrative":true,"complaint_id":"5892074","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-08-18T22:36:08.000Z","state":"OK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["( SEE ATTACHED LETTER FROM XXXX XXXX ) Pursuant to Rule 1005 of the Federal Rules of Bankruptcy Procedure, all documents filed with the court are to contain <em>only</em> the last four digits of the individuals social <em>security</em> number or tax <em>identification</em>."]},"sort":[9.916249,"5892074"]},{"_index":"complaint-public-v1","_id":"5428114","_score":9.879102,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting Act : XXXX, XXXX, Equifax XXXX XXXX has violated my rights. \n\n15 U.S.C 1681 section 602 A. States I have the right to Privacy.\n\n15 U.S.C. 1681 Section 604 A.section 2 : It also states a consumer reporting agency can not furnish a account without my written consent instructions.\n\nI need all these accounts listed investigated and information from your investigated forwarded to me at XXXX or my current home address of XXXX XXXX XXXX XXXX, XXXX XXXX I also want all addresses that are listed on my credit report removed because i have lived at this address for XXXX years and my previous address i lived at up until this time was XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX and other address are not mine and must be removed. \n\nAccount 's to be investigated and information to be sent to me as proof of your investigation. The electronic investigation never wins in the consumer favor because they never send validating information. I want signed contracts from all parties involved to prove i owe these debts listed. \n\n1. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Ut XXXX 2. XXXX XXXX XXXX Account # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX 3. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SC XXXX 4. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX 5. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, Ut XXXX 6. XXXX  XXXX Bank Account # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX 7. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX South Carolina XXXX My Name is : XXXX XXXX The Name XXXX XXXX isn't my name and must be deleted. \nThe Name XXXX XXXX isn't my name and must be deleted. \n\nThese are a few of the laws that have been violated. This warrant 's removal of the false or misleading information. \n\n605A - 15 U.S.C. 1681c-1 the consumer reporting agency shall notify the requester of the existence of the discrepancy.\n\nSee also 16 CFR Part 641 72 Fed. Reg. 63771-72 ( 11/09/07 ) 74 Fed. Reg. 22640-41 ( 05/14/09 ) ( 2 ) Regulations ( A ) Regulations required. The Bureau shall, in consultation with the Federal banking agencies, the XXXX XXXX XXXX XXXX, and the Federal Trade Commission, prescribe regulations providing guidance regarding reasonable policies and procedures that a user of a consumer report should employ when such user has received a notice of discrepancy under paragraph ( 1 ).\n\n( B ) Policies and procedures to be included. The regulations prescribed under subparagraph ( A ) shall describe reasonable policies and procedures for use by a user of a consumer report ( i ) to form a reasonable belief that the user knows the identity of the person to whom the consumer report pertains; and ( ii ) if the user establishes a continuing relationship with the consumer, and the user regularly and in the ordinary course of business furnishes information to the consumer reporting agency from which the notice of discrepancy pertaining to the consumer was obtained, to reconcile the address of the consumer with the consumer reporting agency by furnishing such address to such consumer reporting agency as part of information regularly furnished by the user for the period in which the relationship is established.\n\n605A.Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ] ( a ) One-call Fraud Alerts ( 1 ) Initial alerts. Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, a consumer reporting agency described in section 603 ( p ) that maintains a file on the consumer and has received appropriate proof of the identity of the requester shall 605A - 15 U.S.C. 1681c-1 27 ( A ) include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, for a period of not less than 1 year, beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period, and the agency has received appropriate proof of the identity of the requester for such purpose; and ( B ) refer the information regarding the fraud alert under this paragraph to each of the other consumer reporting agencies described in section 603 ( p ), in accordance with procedures developed under section 621 ( f ).\n\n( 2 ) Access to free reports. In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 612 ( d ) ; and ( B ) provide to the consumer all disclosures required to be made under section 609, without charge to the consumer, not later than 3 business days after any request described in subparagraph ( A ).\n\n( b ) Extended Alerts ( 1 ) In general. Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who submits an identity theft report to a consumer reporting agency described in section 603 ( p ) that maintains a file on the consumer, if the agency has received appropriate proof of the identity of the requester, the agency shall ( A ) include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, during the 7-year period beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period and the agency has received appropriate proof of the identity of the requester for such purpose ; ( B ) during the 5-year period beginning on the date of such request, exclude the consumer from any list of consumers prepared by the consumer reporting agency and provided to any third party to offer credit or insurance to the consumer as part of a transaction that was not initiated by the consumer, unless the 28 605A - 15 U.S.C. 1681c-1 consumer or such representative requests that such exclusion be rescinded before the end of such period; and ( C ) refer the information regarding the extended fraud alert under this paragraph to each of the other consumer reporting agencies described in section 603 ( p ), in accordance with procedures developed under section 621 ( f ).\n\n( 2 ) Access to free reports. In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request 2 free copies of the file of the consumer pursuant to section 612 ( d ) during the 12-month period beginning on the date on which the fraud alert was included in the file ; and ( B ) provide to the consumer all disclosures required to be made under section 609, without charge to the consumer, not later than 3 business days after any request described in subparagraph ( A ).\n\n( c ) Active duty alerts. Upon the direct request of an active duty military consumer, or an individual acting on behalf of or as a personal representative of an active duty military consumer, a consumer reporting agency described in section 603 ( p ) that maintains a file on the active duty military consumer and has received appropriate proof of the identity of the requester shall ( 1 ) include an active duty alert in the file of that active duty military consumer, and also provide that alert along with any credit score generated in using that file, during a period of not less than 12 months, or such longer period as the Bureau shall determine, by regulation, beginning on the date of the request, unless the active duty military consumer or such representative requests that such fraud alert be removed before the end of such period, and the agency has received appropriate proof of the identity of the requester for such purpose ; ( 2 ) during the 2-year period beginning on the date of such request, exclude the active duty military consumer from any list of consumers prepared by the consumer reporting agency and provided to any third party to offer credit or insurance to the consumer as part of a transaction that was not initiated by the consumer, unless the consumer requests that such exclusion be rescinded before the end of such period ; and 605A - 15 U.S.C. 1681c-1 29 ( 3 ) refer the information regarding the active duty alert to each of the other consumer reporting agencies described in section 603 ( p ), in accordance with procedures developed under section 621 ( f ).\n\nSee also 16 CFR Part 613.1 69 Fed. Reg. 63922 ( 11/03/04 ) ( d ) Procedures. Each consumer reporting agency described in section 603 ( p ) shall establish policies and procedures to comply with this section, including procedures that inform consumers of the availability of initial, extended, and active duty alerts and procedures that allow consumers and active duty military consumers to request initial, extended, or active duty alerts ( as applicable ) in a simple and easy manner, including by telephone.\n\n( e ) Referrals of alerts. Each consumer reporting agency described in section 603 ( p ) that receives a referral of a fraud alert or active duty alert from another consumer reporting agency pursuant to this section shall, as though the agency received the request from the consumer directly, follow the procedures required under ( 1 ) paragraphs ( 1 ) ( A ) and ( 2 ) of subsection ( a ), in the case of a referral under subsection ( a ) ( 1 ) ( B ) ; ( 2 ) paragraphs ( 1 ) ( A ), ( 1 ) ( B ), and ( 2 ) of subsection ( b ), in the case of a referral under subsection ( b ) ( 1 ) ( C ) ; and ( 3 ) paragraphs ( 1 ) and ( 2 ) of subsection ( c ), in the case of a referral under subsection ( c ) ( 3 ).\n\n( f ) Duty of reseller to reconvey alert. A reseller shall include in its report any fraud alert or active duty alert placed in the file of a consumer pursuant to this section by another consumer reporting agency.\n\n( g ) Duty of other consumer reporting agencies to provide contact information.\n\nIf a consumer contacts any consumer reporting agency that is not described in section 603 ( p ) to communicate a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, the agency shall provide information to the consumer on how to contact the Bureau and the consumer reporting agencies described in section 603 ( p ) to obtain more detailed information and request alerts under this section.\n\n( h ) Limitations on Use of Information for Credit Extensions ( 1 ) Requirements for initial and active duty alerts ( A ) Notification. Each initial fraud alert and active duty alert under this section shall include information that notifies all prospective users of a consumer report on the consumer to which the alert 30 605A - 15 U.S.C. 1681c-1 relates that the consumer does not authorize the establishment of any new credit plan or extension of credit, other than under an open-end credit plan ( as defined in section 103 ( i ) ), in the name of the consumer, or issuance of an additional card on an existing credit account requested by a consumer, or any increase in credit limit on an existing credit account requested by a consumer, except in accordance with subparagraph ( B ).\n\n( B ) Limitation on Users ( i ) In general. No prospective user of a consumer report that includes an initial fraud alert or an active duty alert in accordance with this section may establish a new credit plan or extension of credit, other than under an open-end credit plan ( as defined in section 103 ( i ) ), in the name of the consumer, or issue an additional card on an existing credit account requested by a consumer, or grant any increase in credit limit on an existing credit account requested by a consumer, unless the user utilizes reasonable policies and procedures to form a reasonable belief that the user knows the identity of the person making the request.\n\n( ii ) Verification. If a consumer requesting the alert has specified a telephone number to be used for identity verification purposes, before authorizing any new credit plan or extension described in clause ( i ) in the name of such consumer, a user of such consumer report shall contact the consumer using that telephone number or take reasonable steps to verify the consumers identity and confirm that the application for a new credit plan is not the result of identity theft.\n\n( 2 ) Requirements for Extended Alerts ( A ) Notification. Each extended alert under this section shall include information that provides all prospective users of a consumer report relating to a consumer with ( i ) notification that the consumer does not authorize the establishment of any new credit plan or extension of credit described in clause ( i ), other than under an open-end credit plan ( as defined in section 103 ( i ) ), in the name of the consumer, or issuance of an additional card on an existing credit account requested by a consumer, or any increase in credit limit on an existing credit account 605A - 15 U.S.C. 1681c-1 31 requested by a consumer, except in accordance with subparagraph ( B ) ; and ( ii ) a telephone number or other reasonable contact method designated by the consumer.\n\n( B ) Limitation on users. No prospective user of a consumer report or of a credit score generated using the information in the file of a consumer that includes an extended fraud alert in accordance with this section may establish a new credit plan or extension of credit, other than under an open-end credit plan ( as defined in section 103 ( i ) ), in the name of the consumer, or issue an additional card on an existing credit account requested by a consumer, or any increase in credit limit on an existing credit account requested by a consumer, unless the user contacts the consumer in person or using the contact method described in subparagraph ( A ) ( ii ) to confirm that the application for a new credit plan or increase in credit limit, or request for an additional card is not the result of identity theft.\n\n( i ) National security freeze.\n\n( 1 ) Definitions. For purposes of this subsection : ( A ) The term consumer reporting agency means a consumer reporting agency described in section 603 ( p ).\n\n( B ) The term proper identification has the meaning of such term as used under section 610.\n\n( C ) The term security freeze means a restriction that prohibits a consumer reporting agency from disclosing the contents of a consumer report that is subject to such security freeze to any person requesting the consumer report.\n\n( 2 ) Placement of security freeze.\n\n( A ) In general. Upon receiving a direct request from a consumer that a consumer reporting agency place a security freeze, and upon receiving proper identification from the consumer, the consumer reporting agency shall, free of charge, place the security freeze not later than ( i ) in the case of a request that is by toll-free telephone or secure electronic means, 1 business day after receiving the request directly from the consumer; or ( ii ) in the case of a request that is by mail, 3 business days after receiving the request directly from the consumer.\n\n32 605A - 15 U.S.C. 1681c-1 ( B ) Confirmation and additional information.\n\nNot later than 5 business days after placing a security freeze under subparagraph ( A ), a consumer reporting agency shall ( i ) send confirmation of the placement to the consumer ; and ( ii ) inform the consumer of ( I ) the process by which the consumer may remove the security freeze, including a mechanism to authenticate the consumer ; and ( II ) the consumers right described in section 615 ( d ) ( 1 ) ( D ).\n\n( C ) Notice to third parties. A consumer reporting agency may advise a third party that a security freeze has been placed with respect to a consumer under subparagraph ( A ).\n\n( 3 ) Removal of security freeze.\n\n( A ) In general. A consumer reporting agency shall remove a security freeze placed on the consumer report of a consumer only in the following cases : ( i ) Upon the direct request of the consumer.\n\n( ii ) The security freeze was placed due to a material misrepresentation of fact by the consumer.\n\n( B ) Notice if removal not by request. If a consumer reporting agency removes a security freeze under subparagraph ( A ) ( ii ), the consumer reporting agency shall notify the consumer in writing prior to removing the security freeze.\n\n( C ) Removal of security freeze by consumer request. Except as provided in subparagraph ( A ) ( ii ), a security freeze shall remain in place until the consumer directly requests that the security freeze be removed. Upon receiving a direct request from a consumer that a consumer reporting agency remove a security freeze, and upon receiving proper identification from the consumer, the consumer reporting agency shall, free of charge, remove the security freeze not later than ( i ) in the case of a request that is by toll-free telephone or secure electronic means, 1 hour after receiving the request for removal ; or ( ii ) in the case of a request that is by mail, 3 business days after receiving the request for removal.\n\n605A - 15 U.S.C. 1681c-1 33 ( D ) Third-party requests. If a third party requests access to a consumer report of a consumer with respect to which a security freeze is in effect, where such request is in connection with an application for credit, and the consumer does not allow such consumer report to be accessed, the third party may treat the application as incomplete.\n\n( E ) Temporary removal of security freeze. Upon receiving a direct request from a consumer under subparagraph ( A ) ( i ), if the consumer requests a temporary removal of a security freeze, the consumer reporting agency shall, in accordance with subparagraph ( C ), remove the security freeze for the period of time specified by the consumer.\n\n( 4 ) Exceptions. A security freeze shall not apply to the making of a consumer report for use of the following : ( A ) A person or entity, or a subsidiary, affiliate, or agent of that person or entity, or an assignee of a financial obligation owed by the consumer to that person or entity, or a prospective assignee of a financial obligation owed by the consumer to that person or entity in conjunction with the proposed purchase of the financial obligation, with which the consumer has or had prior to assignment an account or contract including a demand deposit account, or to whom the consumer issued a negotiable instrument, for the purposes of reviewing the account or collecting the financial obligation owed for the account, contract, or negotiable instrument. For purposes of this subparagraph, reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.\n\n( B ) Any Federal, State, or local agency, law enforcement agency, trial court, or private collection agency acting pursuant to a court order, warrant, or subpoena.\n\n( C ) A child support agency acting pursuant to part D of title IV of the Social Security Act ( 42 U.S.C. 651 et seq. ).\n\n( D ) A Federal agency or a State or its agents or assigns acting to investigate fraud or acting to investigate or collect delinquent taxes or unpaid court orders or to fulfill any of its other statutory responsibilities, provided such responsibilities are consistent with a permissible purpose under section 604.\n\n34 605A - 15 U.S.C. 1681c-1 ( E ) By a person using credit information for the purposes described under section 604 ( c ).\n\n( F ) Any person or entity administering a credit file monitoring subscription or similar service to which the consumer has subscribed.\n\n( G ) Any person or entity for the purpose of providing a consumer with a copy of the consumers consumer report or credit score, upon the request of the consumer.\n\n( H ) Any person using the information in connection with the underwriting of insurance.\n\n( I ) Any person using the information for employment, tenant, or background screening purposes.\n\n( J ) Any person using the information for assessing, verifying, or authenticating a consumers identity for purposes other than the granting of credit, or for investigating or preventing actual or potential fraud.\n\n( 5 ) Notice of rights. At any time a consumer is required to receive a summary of rights required under section 609, the following notice shall be included : Consumers Have The Right To Obtain A Security Freeze You have a right to place a security freeze on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization.\n\nThe security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit.\n\nAs an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumers credit file.\n\nUpon seeing a fraud alert display on a consumers credit file, a business is required to take steps to verify the consumers identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years.\n\n605A - 15 U.S.C. 1681c-1 35 A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.\n\n( 6 ) Webpage.\n\n( A ) Consumer reporting agencies. A consumer reporting agency shall establish a webpage that ( i ) allows a consumer to request a security freeze ; ( ii ) allows a consumer to request an initial fraud alert ; ( iii ) allows a consumer to request an extended fraud alert ; ( iv ) allows a consumer to request an active duty fraud alert ; ( v ) allows a consumer to opt-out of the use of information in a consumer report to send the consumer a solicitation of credit or insurance, in accordance with section 615 ( d ) ; and ( vi ) shall not be the only mechanism by which a consumer may request a security freeze.\n\n( B ) FTC. The Federal Trade Commission shall establish a single webpage that includes a link to each webpage established under subparagraph ( A ) within the Federal Trade Commissions website www.IdentityTheft.gov, or a successor website.\n\n( j ) National protection for files and credit records of protected consumers.\n\n( 1 ) Definitions. As used in this subsection : ( A ) The term consumer reporting agency means a consumer reporting agency described in section 603 ( p ).\n\n( B ) The term protected consumer means an individual who is ( i ) under the age of 16 years at the time a request for the placement of a security freeze is made ; or ( ii ) an incapacitated person or a protected person for whom a guardian or conservator has been appointed.\n\n( C ) The term protected consumers representative means a person who provides to a consumer reporting agency sufficient proof of authority to act on behalf of a protected consumer.\n\n36 605A - 15 U.S.C. 1681c-1 ( D ) The term record means a compilation of information that ( i ) identifies a protected consumer ; ( ii ) is created by a consumer reporting agency solely for the purpose of complying with this subsection; and ( iii ) may not be created or used to consider the protected consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.\n\n( E ) The term security freeze means a restriction that prohibits a consumer reporting agency from disclosing the contents of a consumer report that is the subject of such security freeze or, in the case of a protected consumer for whom the consumer reporting agency does not have a file, a record that is subject to such security freeze to any person requesting the consumer report for the purpose of opening a new account involving the extension of credit.\n\n( F ) The term sufficient proof of authority means documentation that shows a protected consumers representative has authority to act on behalf of a protected consumer and includes ( i ) an order issued by a court of law ; ( ii ) a lawfully executed and valid power of attorney ; ( iii ) a document issued by a Federal, State, or local government agency in the United States showing proof of parentage, including a birth certificate ; or ( iv ) with respect to a protected consumer who has been placed in a foster care setting, a written communication from a county welfare department or its agent or designee, or a county probation department or its agent or designee, certifying that the protected consumer is in a foster care setting under its jurisdiction.\n\n( G ) The term sufficient proof of identification means information or documentation that identifies a protected consumer and a protected consumers representative and includes ( i ) a social security number or a copy of a social security card issued by the Social Security Administration ; S. 215536 ( ii ) a certified or official copy of a birth certificate issued by the entity authorized to issue the birth certificate ; or 605A - 15 U.S.C. 1681c-1 37 ( iii ) a copy of a drivers license, an identification card issued by the motor vehicle administration, or any other government issued identification.\n\n( 2 ) Placement of security freeze for a protected consumer.\n\n( A ) In general. Upon receiving a direct request from a protected consumers representative that a consumer reporting agency place a security freeze, and upon receiving sufficient proof of identification and sufficient proof of authority, the consumer reporting agency shall, free of charge, place the security freeze not later than ( i ) in the case of a request that is by toll-free telephone or secure electronic means, 1 business day after receiving the request directly from the protected consumers representative; or ( ii ) in the case of a request that is by mail, 3 business days after receiving the request directly from the protected consumers representative.\n\n( B ) Confirmation and additional information.\n\nNot later than 5 business days after placing a security freeze under subparagraph ( A ), a consumer reporting agency shall ( i ) send confirmation of the placement to the protected consumers representative ; and ( ii ) inform the protected consumers representative of the process by which the protected consumer may remove the security freeze, including a mechanism to authenticate the protected consumers representative.\n\n( C ) Creation of file. If a consumer reporting agency does not have a file pertaining to a protected consumer when the consumer reporting agency receives a direct request under subparagraph ( A ), the consumer reporting agency shall create a record for the protected consumer.\n\n( 3 ) Prohibition on release of record or file of protected consumer. After a security freeze has been placed under paragraph ( 2 ) ( A ), and unless the security freeze is removed in accordance with this subsection, a consumer reporting agency may not release the protected consumers consumer report, any information derived from the protected consumers consumer report, or any record created for the protected consumer.\n\n38 605A - 15 U.S.C. 1681c-1 ( 4 ) Removal of a protected consumer security freeze.\n\n( A ) In general. A consumer reporting agency shall remove a security freeze placed on the consumer report of a protected consumer only in the following cases : ( i ) Upon the direct request of the protected consumers representative.\n\n( ii ) Upon the direct request of the protected consumer, if the protected consumer is not under the age of 16 years at the time of the request.\n\n( iii ) The security freeze was placed due to a material misrepresentation of fact by the protected consumers representative.\n\n( B ) Notice if removal not by request. If a consumer reporting agency removes a security freeze under subparagraph ( A ) ( iii ), the consumer reporting agency shall notify the protected consumers representative in writing prior to removing the security freeze.\n\n( C ) Removal of freeze by request. Except as provided in subparagraph ( A ) ( iii ), a security freeze shall remain in place until a protected consumers representative or protected consumer described in subparagraph ( A ) ( ii ) directly requests that the security freeze be removed. Upon receiving a direct request from the protected consumers representative or protected consumer described in subparagraph ( A ) ( ii ) that a consumer reporting agency remove a security freeze, and upon receiving sufficient proof of identification and sufficient proof of authority, the consumer reporting agency shall, free of charge, remove the security freeze not later than ( i ) in the case of a request that is by toll-free telephone or secure electronic means, 1 hour after receiving the request for removal ; or ( ii ) in the case of a request that is by mail, 3 business days after receiving the request for removal.\n\n( D ) Temporary removal of security freeze. Upon receiving a direct request from a protected consumer or a protected consumers representative under subparagraph ( A ) ( i ), if the protected consumer or protected consumers representative requests a temporary removal of a security freeze, the consumer reporting agency shall, in accordance with subparagraph ( I have asked XXXX to investigate and I have disputed all account 's that I wasn't familar with or have no knowledge of because i was a victim of id theft and my information was being sold on the XXXX web. I have pasted all the violations that have been violated by the said reporting agency and i want all the account 's Investigated fully and removed once it is found that these debt 's are not min","date_sent_to_company":"2022-04-09T18:36:46.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"392XX","tags":null,"has_narrative":true,"complaint_id":"5428114","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-04-09T18:36:39.000Z","state":"MS","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["card issued by the motor vehicle <em>administration</em>, or any other government issued <em>identification</em>"]},"sort":[9.879102,"5428114"]},{"_index":"complaint-public-v1","_id":"5428111","_score":9.873874,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting Act : Experian, XXXX, XXXX XXXX XXXX has violated my rights. \n\n15 U.S.C 1681 section 602 A. States I have the right to Privacy.\n\n15 U.S.C. 1681 Section 604 A.section 2 : It also states a consumer reporting agency can not furnish a account without my written consent instructions.\n\nI need all these accounts listed investigated and information from your investigated forwarded to me at XXXX or my current home address of XXXX XXXX XXXX XXXX, XXXX XXXX I also want all addresses that are listed on my credit report removed because i have lived at this address for two years and my previous address i lived at up until this time was XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX and other address are not mine and must be removed. \n\nAccount 's to be investigated and information to be sent to me as proof of your investigation. The electronic investigation never wins in the consumer favor because they never send validating information. I want signed contracts from all parties involved to prove i owe these debts listed. \n\n1. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Ut XXXX 2. XXXX XXXX XXXX Account # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX 3. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX- XXXX XXXX SC XXXX 4. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX 5. XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, Ut XXXX 6. XXXX XXXX XXXX  Account # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX 7. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX South Carolina XXXX My Name is : XXXX XXXX The Name XXXX XXXX isn't my name and must be deleted. \nThe Name XXXX XXXX isn't my name and must be deleted. \n\nThese are a few of the laws that have been violated. This warrant 's removal of the false or misleading information. \n\n605A - 15 U.S.C. 1681c-1 the consumer reporting agency shall notify the requester of the existence of the discrepancy. \nSee also 16 CFR Part 641 72 Fed. Reg. 63771-72 ( 11/09/07 ) 74 Fed. Reg. 22640-41 ( 05/14/09 ) ( 2 ) Regulations ( A ) Regulations required. The Bureau shall, in consultation with the Federal banking agencies, the XXXX XXXX XXXX XXXX, and the Federal Trade Commission, prescribe regulations providing guidance regarding reasonable policies and procedures that a user of a consumer report should employ when such user has received a notice of discrepancy under paragraph ( 1 ).\n\n( B ) Policies and procedures to be included. The regulations prescribed under subparagraph ( A ) shall describe reasonable policies and procedures for use by a user of a consumer report ( i ) to form a reasonable belief that the user knows the identity of the person to whom the consumer report pertains; and ( ii ) if the user establishes a continuing relationship with the consumer, and the user regularly and in the ordinary course of business furnishes information to the consumer reporting agency from which the notice of discrepancy pertaining to the consumer was obtained, to reconcile the address of the consumer with the consumer reporting agency by furnishing such address to such consumer reporting agency as part of information regularly furnished by the user for the period in which the relationship is established. \n605A.Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ] ( a ) One-call Fraud Alerts ( 1 ) Initial alerts. Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, a consumer reporting agency described in section 603 ( p ) that maintains a file on the consumer and has received appropriate proof of the identity of the requester shall 605A - 15 U.S.C. 1681c-1 27 ( A ) include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, for a period of not less than 1 year, beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period, and the agency has received appropriate proof of the identity of the requester for such purpose; and ( B ) refer the information regarding the fraud alert under this paragraph to each of the other consumer reporting agencies described in section 603 ( p ), in accordance with procedures developed under section 621 ( f ).\n\n( 2 ) Access to free reports. In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 612 ( d ) ; and ( B ) provide to the consumer all disclosures required to be made under section 609, without charge to the consumer, not later than 3 business days after any request described in subparagraph ( A ).\n\n( b ) Extended Alerts ( 1 ) In general. Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who submits an identity theft report to a consumer reporting agency described in section 603 ( p ) that maintains a file on the consumer, if the agency has received appropriate proof of the identity of the requester, the agency shall ( A ) include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, during the 7-year period beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period and the agency has received appropriate proof of the identity of the requester for such purpose ; ( B ) during the 5-year period beginning on the date of such request, exclude the consumer from any list of consumers prepared by the consumer reporting agency and provided to any third party to offer credit or insurance to the consumer as part of a transaction that was not initiated by the consumer, unless the 28 605A - 15 U.S.C. 1681c-1 consumer or such representative requests that such exclusion be rescinded before the end of such period; and ( C ) refer the information regarding the extended fraud alert under this paragraph to each of the other consumer reporting agencies described in section 603 ( p ), in accordance with procedures developed under section 621 ( f ).\n\n( 2 ) Access to free reports. In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request 2 free copies of the file of the consumer pursuant to section 612 ( d ) during the 12-month period beginning on the date on which the fraud alert was included in the file ; and ( B ) provide to the consumer all disclosures required to be made under section 609, without charge to the consumer, not later than 3 business days after any request described in subparagraph ( A ). \n( c ) XXXX XXXX alerts. Upon the direct request of an XXXX XXXX military consumer, or an individual acting on behalf of or as a personal representative of an XXXX XXXX military consumer, a consumer reporting agency described in section 603 ( p ) that maintains a file on the XXXX XXXX military consumer and has received appropriate proof of the identity of the requester shall ( 1 ) include an XXXX XXXX alert in the file of that XXXX XXXX military consumer, and also provide that alert along with any credit score generated in using that file, during a period of not less than 12 months, or such longer period as the Bureau shall determine, by regulation, beginning on the date of the request, unless the XXXX XXXX military consumer or such representative requests that such fraud alert be removed before the end of such period, and the agency has received appropriate proof of the identity of the requester for such purpose ; ( 2 ) during the 2-year period beginning on the date of such request, exclude the XXXX XXXX military consumer from any list of consumers prepared by the consumer reporting agency and provided to any third party to offer credit or insurance to the consumer as part of a transaction that was not initiated by the consumer, unless the consumer requests that such exclusion be rescinded before the end of such period ; and 605A - 15 U.S.C. 1681c-1 29 ( 3 ) refer the information regarding the XXXX XXXX alert to each of the other consumer reporting agencies described in section 603 ( p ), in accordance with procedures developed under section 621 ( f ).\n\nSee also 16 CFR Part 613.1 69 Fed. Reg. 63922 ( 11/03/04 ) ( d ) Procedures. Each consumer reporting agency described in section 603 ( p ) shall establish policies and procedures to comply with this section, including procedures that inform consumers of the availability of initial, extended, and XXXX XXXX alerts and procedures that allow consumers and XXXX XXXX military consumers to request initial, extended, or XXXX XXXX alerts ( as applicable ) in a simple and easy manner, including by telephone. \n( e ) Referrals of alerts. Each consumer reporting agency described in section 603 ( p ) that receives a referral of a fraud alert or XXXX XXXX alert from another consumer reporting agency pursuant to this section shall, as though the agency received the request from the consumer directly, follow the procedures required under ( 1 ) paragraphs ( 1 ) ( A ) and ( 2 ) of subsection ( a ), in the case of a referral under subsection ( a ) ( 1 ) ( B ) ; ( 2 ) paragraphs ( 1 ) ( A ), ( 1 ) ( B ), and ( 2 ) of subsection ( b ), in the case of a referral under subsection ( b ) ( 1 ) ( C ) ; and ( 3 ) paragraphs ( 1 ) and ( 2 ) of subsection ( c ), in the case of a referral under subsection ( c ) ( 3 ).\n\n( f ) Duty of reseller to reconvey alert. A reseller shall include in its report any fraud alert or XXXX XXXX alert placed in the file of a consumer pursuant to this section by another consumer reporting agency. \n( g ) Duty of other consumer reporting agencies to provide contact information. \nIf a consumer contacts any consumer reporting agency that is not described in section 603 ( p ) to communicate a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, the agency shall provide information to the consumer on how to contact the Bureau and the consumer reporting agencies described in section 603 ( p ) to obtain more detailed information and request alerts under this section.\n\n( h ) Limitations on Use of Information for Credit Extensions ( 1 ) Requirements for initial and XXXX XXXX alerts ( A ) Notification. Each initial fraud alert and XXXX XXXX alert under this section shall include information that notifies all prospective users of a consumer report on the consumer to which the alert 30 605A - 15 U.S.C. 1681c-1 relates that the consumer does not authorize the establishment of any new credit plan or extension of credit, other than under an open-end credit plan ( as defined in section 103 ( i ) ), in the name of the consumer, or issuance of an additional card on an existing credit account requested by a consumer, or any increase in credit limit on an existing credit account requested by a consumer, except in accordance with subparagraph ( B ).\n\n( B ) Limitation on Users ( i ) In general. No prospective user of a consumer report that includes an initial fraud alert or an XXXX XXXX alert in accordance with this section may establish a new credit plan or extension of credit, other than under an open-end credit plan ( as defined in section 103 ( i ) ), in the name of the consumer, or issue an additional card on an existing credit account requested by a consumer, or grant any increase in credit limit on an existing credit account requested by a consumer, unless the user utilizes reasonable policies and procedures to form a reasonable belief that the user knows the identity of the person making the request. \n( ii ) Verification. If a consumer requesting the alert has specified a telephone number to be used for identity verification purposes, before authorizing any new credit plan or extension described in clause ( i ) in the name of such consumer, a user of such consumer report shall contact the consumer using that telephone number or take reasonable steps to verify the consumers identity and confirm that the application for a new credit plan is not the result of identity theft.\n\n( 2 ) Requirements for Extended Alerts ( A ) Notification. Each extended alert under this section shall include information that provides all prospective users of a consumer report relating to a consumer with ( i ) notification that the consumer does not authorize the establishment of any new credit plan or extension of credit described in clause ( i ), other than under an open-end credit plan ( as defined in section 103 ( i ) ), in the name of the consumer, or issuance of an additional card on an existing credit account requested by a consumer, or any increase in credit limit on an existing credit account 605A - 15 U.S.C. 1681c-1 31 requested by a consumer, except in accordance with subparagraph ( B ) ; and ( ii ) a telephone number or other reasonable contact method designated by the consumer.\n\n( B ) Limitation on users. No prospective user of a consumer report or of a credit score generated using the information in the file of a consumer that includes an extended fraud alert in accordance with this section may establish a new credit plan or extension of credit, other than under an open-end credit plan ( as defined in section 103 ( i ) ), in the name of the consumer, or issue an additional card on an existing credit account requested by a consumer, or any increase in credit limit on an existing credit account requested by a consumer, unless the user contacts the consumer in person or using the contact method described in subparagraph ( A ) ( ii ) to confirm that the application for a new credit plan or increase in credit limit, or request for an additional card is not the result of identity theft.\n\n( i ) National security freeze.\n\n( 1 ) Definitions. For purposes of this subsection : ( A ) The term consumer reporting agency means a consumer reporting agency described in section 603 ( p ).\n\n( B ) The term proper identification has the meaning of such term as used under section 610.\n\n( C ) The term security freeze means a restriction that prohibits a consumer reporting agency from disclosing the contents of a consumer report that is subject to such security freeze to any person requesting the consumer report.\n\n( 2 ) Placement of security freeze.\n\n( A ) In general. Upon receiving a direct request from a consumer that a consumer reporting agency place a security freeze, and upon receiving proper identification from the consumer, the consumer reporting agency shall, free of charge, place the security freeze not later than ( i ) in the case of a request that is by toll-free telephone or secure electronic means, 1 business day after receiving the request directly from the consumer; or ( ii ) in the case of a request that is by mail, 3 business days after receiving the request directly from the consumer.\n\n32 605A - 15 U.S.C. 1681c-1 ( B ) Confirmation and additional information.\n\nNot later than 5 business days after placing a security freeze under subparagraph ( A ), a consumer reporting agency shall ( i ) send confirmation of the placement to the consumer ; and ( ii ) inform the consumer of ( I ) the process by which the consumer may remove the security freeze, including a mechanism to authenticate the consumer ; and ( II ) the consumers right described in section 615 ( d ) ( 1 ) ( D ).\n\n( C ) Notice to third parties. A consumer reporting agency may advise a third party that a security freeze has been placed with respect to a consumer under subparagraph ( A ).\n\n( 3 ) Removal of security freeze.\n\n( A ) In general. A consumer reporting agency shall remove a security freeze placed on the consumer report of a consumer only in the following cases : ( i ) Upon the direct request of the consumer.\n\n( ii ) The security freeze was placed due to a material misrepresentation of fact by the consumer.\n\n( B ) Notice if removal not by request. If a consumer reporting agency removes a security freeze under subparagraph ( A ) ( ii ), the consumer reporting agency shall notify the consumer in writing prior to removing the security freeze.\n\n( C ) Removal of security freeze by consumer request. Except as provided in subparagraph ( A ) ( ii ), a security freeze shall remain in place until the consumer directly requests that the security freeze be removed. Upon receiving a direct request from a consumer that a consumer reporting agency remove a security freeze, and upon receiving proper identification from the consumer, the consumer reporting agency shall, free of charge, remove the security freeze not later than ( i ) in the case of a request that is by toll-free telephone or secure electronic means, 1 hour after receiving the request for removal ; or ( ii ) in the case of a request that is by mail, 3 business days after receiving the request for removal.\n\n605A - 15 U.S.C. 1681c-1 33 ( D ) Third-party requests. If a third party requests access to a consumer report of a consumer with respect to which a security freeze is in effect, where such request is in connection with an application for credit, and the consumer does not allow such consumer report to be accessed, the third party may treat the application as incomplete.\n\n( E ) Temporary removal of security freeze. Upon receiving a direct request from a consumer under subparagraph ( A ) ( i ), if the consumer requests a temporary removal of a security freeze, the consumer reporting agency shall, in accordance with subparagraph ( C ), remove the security freeze for the period of time specified by the consumer.\n\n( 4 ) Exceptions. A security freeze shall not apply to the making of a consumer report for use of the following : ( A ) A person or entity, or a subsidiary, affiliate, or agent of that person or entity, or an assignee of a financial obligation owed by the consumer to that person or entity, or a prospective assignee of a financial obligation owed by the consumer to that person or entity in conjunction with the proposed purchase of the financial obligation, with which the consumer has or had prior to assignment an account or contract including a demand deposit account, or to whom the consumer issued a negotiable instrument, for the purposes of reviewing the account or collecting the financial obligation owed for the account, contract, or negotiable instrument. For purposes of this subparagraph, reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.\n\n( B ) Any Federal, State, or local agency, law enforcement agency, trial court, or private collection agency acting pursuant to a court order, warrant, or subpoena.\n\n( C ) A child support agency acting pursuant to part D of title IV of the Social Security Act ( 42 U.S.C. 651 et seq. ).\n\n( D ) A Federal agency or a State or its agents or assigns acting to investigate fraud or acting to investigate or collect delinquent taxes or unpaid court orders or to fulfill any of its other statutory responsibilities, provided such responsibilities are consistent with a permissible purpose under section 604.\n\n34 605A - 15 U.S.C. 1681c-1 ( E ) By a person using credit information for the purposes described under section 604 ( c ).\n\n( F ) Any person or entity administering a credit file monitoring subscription or similar service to which the consumer has subscribed.\n\n( G ) Any person or entity for the purpose of providing a consumer with a copy of the consumers consumer report or credit score, upon the request of the consumer.\n\n( H ) Any person using the information in connection with the underwriting of insurance.\n\n( I ) Any person using the information for employment, tenant, or background screening purposes.\n\n( J ) Any person using the information for assessing, verifying, or authenticating a consumers identity for purposes other than the granting of credit, or for investigating or preventing actual or potential fraud.\n\n( 5 ) Notice of rights. At any time a consumer is required to receive a summary of rights required under section 609, the following notice shall be included : Consumers Have The Right To Obtain A Security Freeze You have a right to place a security freeze on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization.\n\nThe security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit.\n\nAs an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumers credit file.\n\nUpon seeing a fraud alert display on a consumers credit file, a business is required to take steps to verify the consumers identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years.\n\n605A - 15 U.S.C. 1681c-1 35 A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.\n\n( 6 ) Webpage.\n\n( A ) Consumer reporting agencies. A consumer reporting agency shall establish a webpage that ( i ) allows a consumer to request a security freeze ; ( ii ) allows a consumer to request an initial fraud alert ; ( iii ) allows a consumer to request an extended fraud alert ; ( iv ) allows a consumer to request an active duty fraud alert ; ( v ) allows a consumer to opt-out of the use of information in a consumer report to send the consumer a solicitation of credit or insurance, in accordance with section 615 ( d ) ; and ( vi ) shall not be the only mechanism by which a consumer may request a security freeze.\n\n( B ) FTC. The Federal Trade Commission shall establish a single webpage that includes a link to each webpage established under subparagraph ( A ) within the Federal Trade Commissions website www.IdentityTheft.gov, or a successor website.\n\n( j ) National protection for files and credit records of protected consumers.\n\n( 1 ) Definitions. As used in this subsection : ( A ) The term consumer reporting agency means a consumer reporting agency described in section 603 ( p ).\n\n( B ) The term protected consumer means an individual who is ( i ) under the age of 16 years at the time a request for the placement of a security freeze is made ; or ( ii ) an incapacitated person or a protected person for whom a guardian or conservator has been appointed.\n\n( C ) The term protected consumers representative means a person who provides to a consumer reporting agency sufficient proof of authority to act on behalf of a protected consumer.\n\n36 605A - 15 U.S.C. 1681c-1 ( D ) The term record means a compilation of information that ( i ) identifies a protected consumer ; ( ii ) is created by a consumer reporting agency solely for the purpose of complying with this subsection; and ( iii ) may not be created or used to consider the protected consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.\n\n( E ) The term security freeze means a restriction that prohibits a consumer reporting agency from disclosing the contents of a consumer report that is the subject of such security freeze or, in the case of a protected consumer for whom the consumer reporting agency does not have a file, a record that is subject to such security freeze to any person requesting the consumer report for the purpose of opening a new account involving the extension of credit.\n\n( F ) The term sufficient proof of authority means documentation that shows a protected consumers representative has authority to act on behalf of a protected consumer and includes ( i ) an order issued by a court of law ; ( ii ) a lawfully executed and valid power of attorney ; ( iii ) a document issued by a Federal, State, or local government agency in the United States showing proof of parentage, including a birth certificate ; or ( iv ) with respect to a protected consumer who has been placed in a foster care setting, a written communication from a county welfare department or its agent or designee, or a county probation department or its agent or designee, certifying that the protected consumer is in a foster care setting under its jurisdiction.\n\n( G ) The term sufficient proof of identification means information or documentation that identifies a protected consumer and a protected consumers representative and includes ( i ) a social security number or a copy of a social security card issued by the Social Security Administration ; S. 215536 ( ii ) a certified or official copy of a birth certificate issued by the entity authorized to issue the birth certificate ; or 605A - 15 U.S.C. 1681c-1 37 ( iii ) a copy of a drivers license, an identification card issued by the motor vehicle administration, or any other government issued identification.\n\n( 2 ) Placement of security freeze for a protected consumer.\n\n( A ) In general. Upon receiving a direct request from a protected consumers representative that a consumer reporting agency place a security freeze, and upon receiving sufficient proof of identification and sufficient proof of authority, the consumer reporting agency shall, free of charge, place the security freeze not later than ( i ) in the case of a request that is by toll-free telephone or secure electronic means, 1 business day after receiving the request directly from the protected consumers representative; or ( ii ) in the case of a request that is by mail, 3 business days after receiving the request directly from the protected consumers representative.\n\n( B ) Confirmation and additional information.\n\nNot later than 5 business days after placing a security freeze under subparagraph ( A ), a consumer reporting agency shall ( i ) send confirmation of the placement to the protected consumers representative ; and ( ii ) inform the protected consumers representative of the process by which the protected consumer may remove the security freeze, including a mechanism to authenticate the protected consumers representative.\n\n( C ) Creation of file. If a consumer reporting agency does not have a file pertaining to a protected consumer when the consumer reporting agency receives a direct request under subparagraph ( A ), the consumer reporting agency shall create a record for the protected consumer.\n\n( 3 ) Prohibition on release of record or file of protected consumer. After a security freeze has been placed under paragraph ( 2 ) ( A ), and unless the security freeze is removed in accordance with this subsection, a consumer reporting agency may not release the protected consumers consumer report, any information derived from the protected consumers consumer report, or any record created for the protected consumer.\n\n38 605A - 15 U.S.C. 1681c-1 ( 4 ) Removal of a protected consumer security freeze.\n\n( A ) In general. A consumer reporting agency shall remove a security freeze placed on the consumer report of a protected consumer only in the following cases : ( i ) Upon the direct request of the protected consumers representative.\n\n( ii ) Upon the direct request of the protected consumer, if the protected consumer is not under the age of 16 years at the time of the request.\n\n( iii ) The security freeze was placed due to a material misrepresentation of fact by the protected consumers representative.\n\n( B ) Notice if removal not by request. If a consumer reporting agency removes a security freeze under subparagraph ( A ) ( iii ), the consumer reporting agency shall notify the protected consumers representative in writing prior to removing the security freeze.\n\n( C ) Removal of freeze by request. Except as provided in subparagraph ( A ) ( iii ), a security freeze shall remain in place until a protected consumers representative or protected consumer described in subparagraph ( A ) ( ii ) directly requests that the security freeze be removed. Upon receiving a direct request from the protected consumers representative or protected consumer described in subparagraph ( A ) ( ii ) that a consumer reporting agency remove a security freeze, and upon receiving sufficient proof of identification and sufficient proof of authority, the consumer reporting agency shall, free of charge, remove the security freeze not later than ( i ) in the case of a request that is by toll-free telephone or secure electronic means, 1 hour after receiving the request for removal ; or ( ii ) in the case of a request that is by mail, 3 business days after receiving the request for removal.\n\n( D ) Temporary removal of security freeze. Upon receiving a direct request from a protected consumer or a protected consumers representative under subparagraph ( A ) ( i ), if the protected consumer or protected consumers representative requests a temporary removal of a security freeze, the consumer reporting agency shall, in accordance with subparagraph ( I have asked Experian to investigate and I have disputed all account 's that I wasn't familar with or have no knowledge of because i was a victim of id theft and my information was being sold on the XXXX web. I have pasted all the violations that have been violated by the said reporting agency and i want all the account 's Investigated fully and removed once it is found that these debt 's are not min","date_sent_to_company":"2022-04-09T18:36:27.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"392XX","tags":null,"has_narrative":true,"complaint_id":"5428111","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-04-09T17:34:41.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["card issued by the motor vehicle <em>administration</em>, or any other government issued <em>identification</em>"]},"sort":[9.873874,"5428111"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":261,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":261}]}},"product":{"doc_count":261,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":120,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":120}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":107,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":104},{"key":"Other personal consumer report","doc_count":3}]}},{"key":"Checking or savings account","doc_count":10,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":9},{"key":"Savings account","doc_count":1}]}},{"key":"Debt collection","doc_count":8,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":3},{"key":"Medical debt","doc_count":3},{"key":"Credit card debt","doc_count":1},{"key":"Other debt","doc_count":1}]}},{"key":"Mortgage","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":5},{"key":"FHA mortgage","doc_count":1},{"key":"Other type of mortgage","doc_count":1}]}},{"key":"Credit card","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":3}]}},{"key":"Credit card or prepaid card","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":2}]}},{"key":"Vehicle loan or lease","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":2}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":1}]}},{"key":"Prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Government benefit card","doc_count":1}]}}]}},"issue":{"doc_count":261,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":108,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":90},{"key":"Personal information incorrect","doc_count":8},{"key":"Account information incorrect","doc_count":5},{"key":"Account status incorrect","doc_count":2},{"key":"Information is missing that should be on the report","doc_count":1},{"key":"Old information reappears or never goes away","doc_count":1},{"key":"Public record information inaccurate","doc_count":1}]}},{"key":"Improper use of your report","doc_count":62,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":42},{"key":"Credit inquiries on your report that you don't recognize","doc_count":18},{"key":"Received unsolicited financial product or insurance offers after opting out","doc_count":1},{"key":"Report provided to employer without your written authorization","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":34,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":33},{"key":"Was not notified of investigation status or results","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":21,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":17},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":3},{"key":"Investigation took more than 30 days","doc_count":1}]}},{"key":"Attempts to collect debt not owed","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":3},{"key":"Debt was result of identity theft","doc_count":2}]}},{"key":"Managing an account","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Deposits and withdrawals","doc_count":3},{"key":"Problem accessing account","doc_count":2}]}},{"key":"Closing on a mortgage","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closing disclosure or other related disclosures","doc_count":1}]}},{"key":"Opening an account","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Unable to open an account","doc_count":2},{"key":"Didn't receive terms that were advertised","doc_count":1}]}},{"key":"Struggling to pay mortgage","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure","doc_count":2}]}},{"key":"Written notification about debt","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":2},{"key":"Didn't receive notice of right to dispute","doc_count":1}]}},{"key":"Advertising and marketing, including promotional offers","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Confusing or misleading advertising about the credit card","doc_count":1},{"key":"Didn't receive advertised or promotional terms","doc_count":1}]}},{"key":"Closing an account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Funds not received from closed account","doc_count":2}]}},{"key":"Getting a credit card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Application denied","doc_count":1}]}},{"key":"Getting a loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Fraudulent loan","doc_count":1}]}},{"key":"Getting the loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other features, terms, or problems","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing issue","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":1}]}},{"key":"Struggling to pay your loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Denied request to lower payments","doc_count":1}]}},{"key":"Trouble during payment process","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Trouble using the card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem using the card to withdraw money from an ATM","doc_count":1}]}},{"key":"Trouble using your card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Can't use card to make purchases","doc_count":1}]}},{"key":"Unable to get your credit report or credit score","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem getting your report or credit score","doc_count":1}]}}]}},"timely":{"doc_count":261,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":261}]}},"company_response":{"doc_count":261,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":146},{"key":"Closed with non-monetary relief","doc_count":114},{"key":"Closed with monetary relief","doc_count":1}]}},"submitted_via":{"doc_count":261,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":261}]}},"company":{"doc_count":261,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":60},{"key":"EQUIFAX, INC.","doc_count":59},{"key":"Experian Information Solutions Inc.","doc_count":58},{"key":"CBC Companies, Inc.","doc_count":15},{"key":"LEXISNEXIS","doc_count":15},{"key":"ID Analytics, Inc.","doc_count":6},{"key":"WELLS FARGO & COMPANY","doc_count":6},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":4},{"key":"JPMORGAN CHASE & CO.","doc_count":4},{"key":"AMERICAN EXPRESS COMPANY","doc_count":2},{"key":"Early Warning Services, LLC","doc_count":2},{"key":"HYUNDAI CAPITAL AMERICA","doc_count":2},{"key":"Shellpoint Partners, LLC","doc_count":2},{"key":"ADP Inc.","doc_count":1},{"key":"Affirm Holdings, Inc","doc_count":1},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":1},{"key":"CCS Financial Services, Inc.","doc_count":1},{"key":"CORELOGIC INC","doc_count":1},{"key":"Capio Partners, LLC","doc_count":1},{"key":"Comerica","doc_count":1},{"key":"DISCOVER BANK","doc_count":1},{"key":"EVERBANK, NATIONAL ASSOCIATION","doc_count":1},{"key":"FIRST TECHNOLOGY FEDERAL CREDIT UNION","doc_count":1},{"key":"FactorTrust, Inc.","doc_count":1},{"key":"FirstPoint Collection Resources","doc_count":1},{"key":"Freedom Mortgage Company","doc_count":1},{"key":"Harvard Collections, LLC","doc_count":1},{"key":"MOUNTAIN AMERICA FEDERAL CREDIT UNION","doc_count":1},{"key":"Maximus Federal Services, Inc.","doc_count":1},{"key":"Mr. Cooper Group Inc.","doc_count":1},{"key":"PNC Bank N.A.","doc_count":1},{"key":"Paramount GR Holdings, LLC","doc_count":1},{"key":"Portfolio Recovery Associates, LLC","doc_count":1},{"key":"Resurgent Capital Services L.P.","doc_count":1},{"key":"SMITH, ROUCHON & ASSOCIATES, INC.","doc_count":1},{"key":"SYNCHRONY FINANCIAL","doc_count":1},{"key":"Sequium Asset Solutions, LLC","doc_count":1},{"key":"Specialized Loan Servicing Holdings LLC","doc_count":1},{"key":"VYSTAR CREDIT UNION","doc_count":1}]}},"state":{"doc_count":261,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CA","doc_count":80},{"key":"GA","doc_count":38},{"key":"TX","doc_count":28},{"key":"FL","doc_count":27},{"key":"IL","doc_count":22},{"key":"NY","doc_count":16},{"key":"MO","doc_count":11},{"key":"NC","doc_count":5},{"key":"MI","doc_count":4},{"key":"MS","doc_count":4},{"key":"NJ","doc_count":4},{"key":"VA","doc_count":4},{"key":"AL","doc_count":2},{"key":"HI","doc_count":2},{"key":"OK","doc_count":2},{"key":"AZ","doc_count":1},{"key":"ID","doc_count":1},{"key":"IN","doc_count":1},{"key":"KY","doc_count":1},{"key":"LA","doc_count":1},{"key":"ME","doc_count":1},{"key":"ND","doc_count":1},{"key":"NM","doc_count":1},{"key":"NV","doc_count":1},{"key":"OH","doc_count":1},{"key":"SC","doc_count":1}]}},"company_public_response":{"doc_count":261,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":131},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":4}]}},"tags":{"doc_count":261,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":9},{"key":"Older American","doc_count":1},{"key":"Older American, Servicemember","doc_count":1}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[9.873874,"5428111"],"3":[8.726796,"7186373"],"4":[8.079752,"7100131"],"5":[7.765975,"7428146"],"6":[7.4492073,"7421738"],"7":[7.351646,"7598260"],"8":[7.0056057,"7209501"]}}}