{"took":138,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":39,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"17193046","_score":19.826107,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Experian login and identityverification system failure ; automated phone process unusable I can no longer access my Experian account because the system no longer recognizes my Social Security number, date of birth, or phone number. \nAs a result, I can not log in, and I can not reset my password or usernamethe verification questions consistently fail because Experians records appear mismatched or corrupted.\n\nWhen I contact Experian by phone, the automated system refuses to transfer me to a human, only offers to send reset links that produce the same error, and then disconnects the call whenever I answer No to its closed questions. There is no accessible option for live assistance. \n\nThis has left me completely unable to access my credit report, security freeze, or account information. The process is unacceptable, inaccessible, and effectively traps consumersand it would be especially harmful to anyone with a XXXX or limited technical ability. \n\nI am requesting immediate human assistance or escalation to Executive Customer Relations to verify my identity and restore access to my Experian account.\n\nSummary of Issues : SSN / DOB / phone number no longer match Experians records.\n\nUnable to log in or reset credentials.\n\nAutomated help lines disconnect ; no human assistance route.\n\nPattern of abusive and inaccessible automated practices.\n\nI expect a prompt resolution and confirmation that my identity record is corrected and that I can again access my account securely.","date_sent_to_company":"2025-11-12T17:03:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"989XX","tags":null,"has_narrative":true,"complaint_id":"17193046","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-12T16:52:50.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Subject : Experian login and identityverification system failure ; <em>automated</em> phone process unusable I can no longer access my Experian account because the system no longer <em>recognizes</em> my Social <em>Security</em> number, date of birth, or phone number. \nAs a result, I can not log in, and I can not reset my password or usernamethe verification questions consistently <em>fail</em> because Experians records appear mismatched or corrupted."]},"sort":[19.826107,"17193046"]},{"_index":"complaint-public-v1","_id":"11468571","_score":16.250698,"_source":{"product":"Checking or savings account","complaint_what_happened":"As a business customer with multiple accounts at Bank of America, I am experiencing significant frustration regarding a recent issue. I have encountered a problem with a double payment made on my business credit card, for which I requested a refund to my Bank of America checking accountthe same account from which the duplicate payment was drawn. This request was submitted over a month ago, specifically on XX/XX/ 2024, yet I have yet to see the funds returned to my checking account. During my second call to customer service, I was informed that the initial representative had submitted the request incorrectly, necessitating a new claim to be filed. On XX/XX/XXXX, I was assured via online chat that the request had been approved on XX/XX/2024, and that the refund would be processed within five business days. However, as of XX/XX/XXXX, the funds are still not reflected in my account, leaving me perplexed about the delay in processing this refund. \n\nIn addition to the refund issue, I am equally frustrated with the automated customer service system. The system creates an endless loop that prevents me from connecting with a live representative. Despite my attempts to provide the necessary information, such as my account number and Social Security number, the automated prompts fail to recognize my inputs and hung up. This results in a repetitive cycle where I am continually asked why I wish to speak with a representative, without any progress being made toward resolving my concerns. The lack of effective communication within the automated system is not only time-consuming but also exasperating, as it hinders my ability to address urgent matters. \n\nIf this is the level of service that Bank of America intends to provide to its customers, I am seriously considering closing my accounts. The current system forces customers into a frustrating interaction with a robotic interface that does not adequately address their needs. It is imperative that the bank reevaluates its automated processes to ensure that customers can easily reach a live representative when they express a desire to do so. A more responsive system that prioritizes customer needs would greatly enhance the overall experience and restore my confidence in Bank of Americas commitment to its clients.","date_sent_to_company":"2025-01-10T19:16:05.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"302XX","tags":null,"has_narrative":true,"complaint_id":"11468571","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-01-10T18:49:00.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["In addition to the refund issue, I am equally frustrated with the <em>automated</em> customer service system. The system creates an endless loop that prevents me from connecting with a live representative. Despite my attempts to provide the necessary information, such as my account number and Social <em>Security</em> number, the <em>automated</em> <em>prompts</em> <em>fail</em> to <em>recognize</em> my inputs and hung up."]},"sort":[16.250698,"11468571"]},{"_index":"complaint-public-v1","_id":"8564515","_score":11.954859,"_source":{"product":"Checking or savings account","complaint_what_happened":"Credit application sent to American Express XX/XX/XXXX of which an adverse action letter was received XX/XX/XXXX. At that point, I sent a notarized letter via USPS to investor relations, signed and dated XX/XX/XXXX and received a correspondence letter back from the company dated XX/XX/XXXX. A rebuttal letter was drafted on XX/XX/XXXX, and it states : XXXX XXXX XXXXXXXX Dear American Express XXXX In correspondence dated XX/XX/XXXX which states among many things that the reason for denial and further adverse action is due to credit worthiness being furnished by XXXX which has no right to report anything without written consent per 15 USC 1681b. I did not consent to the defamation of my own character.\n\nHowever, the true matter that presents itself once more is this - when I endorsed the application, I issued a promissory note. Which is a type of commercial paper, and does not have to be reported to the SEC, which is how AMEX was able to do this after I transferred security interest unknowingly.\n\nAdditionally, It is my understanding you are selling my securities on the secondary markets. Even though AMEX prospectus specifically states, and I quote from page S-5 of the prospectus under Risks Relating to the Notes, \" We do not intend to apply for listing of the notes on any securities exchange or for quotation through an automated dealer quotation system. '' This entails a breach of contract and fiduciary duties, as the taker has notice of the breach of fiduciary duty if the instrument is taken in payment of or as security for a debt known by the taker to be the personal debt of the fiduciary.\n\nIn order for AMEX to be the holder in due course of said note, the instrument must be taken for value, and that means that the transfer of the instrument must have been for its value and can not be accepted as a gift as I have security interest in my security and did not give consent for my security to be transfered, or to be bought or sold on any exchange. Nor did I give consent for your company, any affiliate, bank, nor a trust to keep the proceeds from said securities.\n\nSo since no value was given on behalf of AMEX, they are not the true holder of the note per 16 CFR Part 433 \" Holder in Due Course Rule ''. AMEX has breached its fiduciary duties and the contract between they and I of which I am the note holder, and investor and I am instructing you to perform your fiduciary duties, else, I need pursue securities fraud by way of the SEC and full forensic audit trail of my security followed by complaints to the CFPB and FTC. Remedy consists of open-end consumer credit per 15 USC 1602m with maximum allowable by the applicable law of 15 USC 1602j . \nThe indenture Trustee and Issuer are required to perform as specified within the Indenture and the quoted Indenture sections below and I quote, \" The indenture provides holders of the notes with remedies if we fail to perform specific obligations. '' The Trustee, page XXXX, \" Under the terms of the pooling and servicing agreement, the trustees limited responsibilities include the following : to enforce the rights of the certificateholders against the servicer, if necessary ; '' Servicer Default refers to any of the following events : ( ii ) failure on the part of the servicer duly to observe or perform in any material respect any other covenants or agreements of the servicer in the pooling and servicing agreement or any supplement which has an Adverse Effect and which continues unremedied for a period of 60 days after written notice.\n\nDefeasance of the Indentures and Debt Securities The Indentures permit us to be discharged from our obligations under the Indentures and with respect to a particular series of debt securities if we comply with the following procedures. This discharge from our obligations is referred to in this prospectus as defeasance.\n\nThe Indentures also provide that the defeasance will not be effective unless we deliver to the trustee a written opinion of our counsel to the effect that holders of the debt securities subject to defeasance will not recognize gain or loss on those debt securities for federal income tax purposes solely as a result of the defeasance and that the holders of those debt securities will be subject to federal income tax in the same amounts and at the same times as would be the case if the defeasance had not occurred.\n\nELIGIBILITY AND DISQUALIFICATION OF TRUSTEE Page 14, Section 310 of the indenture act of 1939 states - ( b ) If any indenture trustee has or shall acquire any conflicting interest as hereinafter defined ( i ) then, within 90 days after ascertaining that it has such conflicting interest, and if the default ( as defined in the next sentence ) to which such conflicting interest relates has not been cured or duly waived or otherwise eliminated before the end of such 90-day period, such trustee shall either eliminate such conflicting interest or, except as otherwise provided below in this subsection, resign, and the obligor upon the indenture securities shall take prompt steps to have a successor appointed in the manner provided in the indenture ; ( ii ) in the event that such trustee shall fail to comply with the provisions of clause ( i ) of this subsection, such trustee shall, within 10 days after the expiration of such 90-day period, transmit notice of such failure to the indenture security holders in the manner and to the extent provided in subsection ( c ) of section 313. \n\n\nMany thanks for your timely attention to this matter. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-03-18T03:35:53.000Z","issue":"Opening an account","sub_product":"Other banking product or service","zip_code":"64801","tags":null,"has_narrative":true,"complaint_id":"8564515","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-03-18T03:14:54.000Z","state":"MO","company_public_response":null,"sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["shall take <em>prompt</em> steps to have a successor appointed in the manner provided in the indenture ; ( ii ) in the event that such trustee shall <em>fail</em> to comply with the provisions of clause ( i ) of this subsection, such trustee shall, within 10 days after the expiration of such 90-day period, transmit notice of such failure to the indenture <em>security</em> holders in the manner and to the extent provided in subsection ( c ) of section 313."]},"sort":[11.954859,"8564515"]},{"_index":"complaint-public-v1","_id":"19631009","_score":11.733085,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/year>, my federal income tax refund was deposited into my Cash App checking account. Later that day, I attempted to send a {$2700.00} payment to my mother, who is saved in my Cash App contacts and has a long history of verified transactions with me. \nWhen I selected her name and pressed Pay, the transaction was diverted to an unknown Cash App usersomeone I have never interacted with, do not know, and who is not in my contacts. I did not authorize a payment to this person. \nI attempted to cancel the payment immediately, but Cash App provided no cancellation option, even though the payment was clearly inappropriate, unexpected, and sent to a new/unverified recipient. \nNo security prompt appeared ( PIN, biometric check, verification notice, or newrecipient warning ). These safeguards normally appear and are described in Cash Apps terms and customerfacing fraudprevention materials. \nI advised Cash App support of the following steps I attempted immediately following this unauthorized trnsaction : I sent the unknown user a request asking for my funds to be returned. \nI contacted Cash App support within minutes using the inapp help center. \nI was only able to communicate with an automated chatbot, which did not take the issue seriously. \nOn XX/XX/year>, I called Cash App support and spoke with a representative who repeatedly stated that Cash App can not cancel payments sent to the wrong person, despite the fact that this payment was not sent to the person I selected. \nCash App has declined to recognize this as an unauthorized transaction, despite the circumstances. \nThis transaction meets the definition of an unauthorized electronic fund transfer, because I did not authorize payment to the recipient who received my money. \nCash Apps platform diverted the payment to a completely unknown account and failed to apply its normal security protocols, including verification of large transfers and warnings for new recipients. \nCash App provided no option to cancel, even though the transaction was immediately suspicious. \n\nCash App publicly states that it uses advanced detection systems, AI and machinelearning models, and proactive monitoring to identify account takeovers and unauthorized activity. \n\nNone of these protections were applied or offered to me! \n\nThis was my income tax refund. I live paycheck to paycheck and can not afford to lose {$2700.00}. Cash Apps refusal to properly investigate or reverse the transaction has caused serious financial distress. \n\nI am submitting this complaint because I am unable to retrieve my funds from Cash App, and this issue is causing severe hardship. Retrieving my funds is extremely detrimental to my survival and mental health. I rely on access to my money for essential living needs, and the continued delay is putting me in a dangerous and unstable situation. \n\nI have attempted to resolve this issue with Cash App, but I have not received a satisfactory resolution. I am requesting immediate assistance in recovering my funds, as well as intervention to ensure Cash App properly addresses and resolves this matter. \n\nPlease help me get my money back. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2026-02-19T20:08:52.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"55369","tags":null,"has_narrative":true,"complaint_id":"19631009","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2026-02-19T19:18:20.000Z","state":"MN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I was only able to communicate with an <em>automated</em> chatbot, which did not take the issue seriously. \nOn XX/XX/year>, I called Cash App support and spoke with a representative who repeatedly stated that Cash App can not cancel payments sent to the wrong person, despite the fact that this payment was not sent to the person I selected. \nCash App has declined to <em>recognize</em> this as an unauthorized transaction, despite the circumstances."]},"sort":[11.733085,"19631009"]},{"_index":"complaint-public-v1","_id":"4610959","_score":11.424654,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"( NB : Please note that many of the problems below concern 5 different accounts I have with JP Morgan and Chase. I will only enter it once, here, however. ) I have been disconnected twice on phone calls with Chase today and spent a total of 59 minutes and 37 seconds, or roughly an hour, on three different calls about credit cards with it.\n\nAfter all of this, the last representative I spoke to said he had no way to pass on my concerns to anyone else at Chase or its credit card divisions, despite an announcement at the beginning of the call saying that the call might be or would be recorded. The rep told me that I would have to repeat it all, for a 4th time, to someone else, to escalate the call. I told him that I had no more time to do so and that I would file this complaint instead.\n\nThe use of my Chase freedom card has been plagued with problems from the beginning. Today I asked that it correct two lingering ones but the people I talked to either disappeared in disconnected calls that seemed to be out of the country, or said, as the last representative did, that he had no way to pass on my concerns. The first two calls I made were to XXXX and the third was to XXXX. None of them addressed the problems I am writing about here. The first call reached a woman who sounded like she was in XXXX XXXX. The second sounded as though it reached a woman with an XXXX accent and the third reached a man with an XXXX accent. \n\nMy Chase Freedom card will not allow me to make payments from Chases online bill payment system that, for all other credit cards, including one other one with Chase, I use to make electronic payments with. The online bill payment system allows me to see all scheduled payments together and requires that I access it only once for numerous accounts paid through it. The Freedom card prohibits me from using this system and will only allow payments from its own peculiar, hard-to-access and not-readily-visible payment system. It requires extra work and will not allow me to see all payments together. The result of this peculiarity is that I missed one payment, incurred late fees and interest charges which I may have gotten reversed previously, at extra time and effort. Other times, the incompatibility of the Chase Freedom card with Chases own online bill payment system, and the difficulty it causes, results in over payments. Presently there is over a {$210.00} credit on this account because of it. In either case, its refusal to accept payments from online banking 's bill payment system, are not conducive to easily being able to plan and manage all payments and cash flow as a whole.\n\nI also was told by two different representatives today that my cell phone is not verified. The third rep told me that this is why the automated system announces that my Freedom credit card is not in its system when I enter the last 4 digits of the Freedom card, after I am prompted to do so. The inability of Chases, sprawling, unmanageable and unintegrated divisions also seems to explain why two other reps were prohibited from sending security codes to the cell phone I talked to them on. \n\nI mentioned the problem of Chase not recognizing my cell phone number, despite the fact that I have entered it more than once in the personal profile information section of online banking previously to the CFPB. However, in a marvel of poor judgement and practice, it ignored this information in the last complaint that I filed. Here it is again in a different form, causing problems for a different issue. ( The last time the CFPB failed to investigate the problem about Chases computer not recognizing phone information that is entered into the online profile, it was about Chase not allowing me to make XXXX payments. When I attempt to do so, the online banking area for XXXX payments announces that my cell phone number is not a cell phone number. But the CFPB could not be bothered with this telling detail that suggests more basic IT problems at Chase and the minions of its 2000 plus, poorly to unintegrated divisions and entities. ) So several apparently inter-related problems that need investigating is why Chases ( 1 ) XXXX payment system, ( 2 ) its automated call systems, as well as ( 3 ) its Freedom card customer service division, do not recognize or pick up the cell phone number entered into the profile section of online banking?\n\nWhy does the CFPB allow JP Morgan Chases poor, unintegrated computer systems to dump extra work and undue burdens onto its customers who get ensnared in the problems the company irresponsibly sloughs off for its customers to contend with?","date_sent_to_company":"2021-08-07T18:13:52.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"070XX","tags":null,"has_narrative":true,"complaint_id":"4610959","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-08-07T17:47:36.000Z","state":"NJ","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["The third rep told me that this is why the <em>automated</em> system announces that my Freedom credit card is not in its system when I enter the last 4 digits of the Freedom card, after I am <em>prompted</em> to do so. The inability of Chases, sprawling, unmanageable and unintegrated divisions also seems to explain why two other reps were prohibited from sending <em>security</em> codes to the cell phone I talked to them on."]},"sort":[11.424654,"4610959"]},{"_index":"complaint-public-v1","_id":"9367819","_score":10.895329,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear Google XXXX XXXX, XXXX! My account, XXXX, is crucial to me as it is linked to financial and social media websites. However, due to Google 's system abuse risk restriction, I am currently unable to access my account and urgently need your assistance. \n\n# # # Evidence of Abuse Risk Limits in Google 's Systems According to data from the Google Account Help Community, nearly XXXX XXXX Google users currently seek assistance for account recovery daily. Most users ' posts are deleted, and none of them successfully recover their accounts. This situation highlights significant abuse risk limits within Google 's systems. \n\n# # # # Additional Evidence of Abuse Risk Limits On XX/XX/year>, I received a notification from Google stating that if I couldn't verify my identity, I would not be able to complete sensitive actions for XXXX  days, after which I could access them without verification. After waiting XXXX  days, I attempted to log in but received a different message : \" We noticed unusual activity in your Google Account. To keep your account safe, you were signed out. To continue, youll need to verify its you. '' This contradictory experience highlights several critical issues : XXXX. **Inconsistent Verification Processes : ** Google 's system initially promises access after a XXXX waiting period without verification but continues to demand verification due to supposed unusual activity, indicating a lack of clarity or adherence to stated policies. \nXXXX. XXXX*Potential Delay in Account Access : ** Users may experience extended periods without access due to conflicting messages regarding verification requirements, potentially impacting their ability to use essential services. \nXXXX. **Trust and Transparency Concerns : ** The contradictory messages erode user trust in Google 's security protocols, highlighting a need for clearer communication and adherence to stated security policies. \n\n# # # # Reasons why the account can not be verified XXXX. When attempting to log in, the system prompts : \" You didnt provide enough info for Google to be sure this account is really yours. Google asks for this info to keep your account secure. If possible, when signing in : - Use a device where youve signed in before- Use a familiar Wi-Fi network, such as at home or work. '' I confirm that I am currently using devices, Wi-Fi networks, and browsers that I have used to log in to this account previously, but the system fails to recognize them. \nXXXX. The recovery email address associated with this account is currently unable to receive emails from Google systems. \nXXXX. I have attempted to seek assistance on the Google Account Help Community ( [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  but the community does not provide effective help and only deletes posts. \n\n# # # Proof of Ownership To demonstrate my ownership of this account, I can provide the following detailed information : - Past and current passwords used - Specific date and time of account registration - Specific dates and times of password changes- Devices and browsers previously used for login - Third-party platforms and websites associated with the account - Previous login activities and usual locations I urgently need human assistance to regain access to my account. The current automated processes have proven ineffective despite providing all requested information. \n\n**Important Statement : ** XXXX XXXX free users contribute significantly XXXX XXXX XXXX XXXXrtising revenue and should enjoy consumer rights equal to those of paying users. \n\n**Call to Action : ** I kindly request your support in signing a petition urging Google to : - Implement consistent and transparent account verification processes. \n- Provide clearer communication regarding security policies and procedures. \n- Ensure equitable treatment of all users, regardless of their payment status. \n\nYour signature will contribute to amplifying our collective voice and compelling Google to address these pressing issues promptly. Together, we can advocate for fair treatment and improved transparency within Google 's systems. Please take a moment to sign the petition [ here ] ( XXXX XXXX XXXXXXXX ). Your support is invaluable in effecting positive change and safeguarding user rights. \n\nThank you very much for your attention and assistance in this matter. I look forward to your prompt response. \n\nSincerely,","date_sent_to_company":"2024-06-24T11:15:22.000Z","issue":"Closing an account","sub_product":"Other banking product or service","zip_code":"90001","tags":null,"has_narrative":true,"complaint_id":"9367819","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Google Compare Credit Cards Inc.","date_received":"2024-06-24T11:06:57.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I look forward to your <em>prompt</em> response. \n\nSincerely,"]},"sort":[10.895329,"9367819"]},{"_index":"complaint-public-v1","_id":"14948544","_score":8.725595,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2025 To Whom It May Concern, Subject : Formal Request for Federal Assistance and Complaint Against Chime Bank for Failure to Address Fraudulent Activity I am writing to submit a formal complaint and request immediate assistance and intervention from the federal consumer protection and financial regulatory agencies concerning a case of financial fraud involving my Chime Bank account. This letter outlines a series of unauthorized XXXXrelated transactions made through my account between XX/XX/XXXX and XX/XX/2025. Despite my numerous efforts to dispute these charges and seek assistance, Chime has failed to resolve the matter or comply with the protection afforded to me under federal laws specifically Regulation E of the Electronic Fund Transfer Act. \nI am reaching out to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Office of the Comptroller of the Currency ( OCC ), and the Maryland Attorney Generals Consumer Protection Division in the hope of receiving the assistance I urgently need. My rights as a consumer have been neglected, and I am enduring financial hardship and emotional distress as a result. \nI have been a responsible and loyal Chime customer, maintaining good financial practices and always keeping my debit card in my possession. On XX/XX/2025, I traveled from XXXX to XXXX XXXX XXXXXXXX to visit someone I had recently begun dating. I stayed with this individual, trusting them enough to spend several days in their home. It was during this visit that fraudulent activity occurred on my account. \nUpon returning to XXXX on XX/XX/2025, I reviewed my Chime account and discovered multiple unauthorized XXXX-related transactions linked to a phone number I do not recognize : XXXX. I had not authorized any of these charges, nor had I received any notifications, or verification prompts from either Chime or XXXX. I immediately contacted XXXX customer service department and was informed that the purchases were made through an XXXX XXXX  and device that do not belong to me. XXXX confirmed that my XXXX XXXX  was not used, and that the transactions originated from an account linked to the phone number mentioned above. \nThis phone number has never been affiliated with my personal, business, or financial accounts. I did not provide this individual access to my debit card or account credentials. At no time did I authorize any purchases made using my Chime debit card during this trip. \nAs soon as I became aware of the fraudulent transactions, I acted swiftly to protect my finances and identity. The following steps were taken immediately : I contacted XXXX XXXX to verify the source of the transactions. They confirmed that none of the charges were made using my XXXX XXXX, and they were unable to cancel or reverse the transactions since the purchases were linked to another individuals account. \nI reviewed all recent Chime transactions to identify and document the fraudulent activity. \nI changed all my login credentials and enabled two-factor authentication across all platforms to prevent future access. \nI filed a formal written dispute with Chime, detailing the unauthorized transactions and providing supporting information, including XXXX  findings. \nDespite my prompt reporting and comprehensive documentation, Chime has failed to honor its responsibilities under Regulation E. I have received little to no communication beyond generic messages stating that my dispute was being reviewed. At no point did I receive provisional credit for the disputed charges, which is a direct violation of the protection afforded to me as a consumer. \nRegulation E stipulates that when a consumer notifies their financial institution of unauthorized electronic fund transfers, the institution is required to investigate the claim promptly and provide provisional credit within ten business days if the investigation extends beyond that window. I have fulfilled my duty to report this fraud in a timely and thorough manner, yet Chime has failed to act in accordance with this requirement.\n\nThe experience of working with Chimes customer service and fraud departments has been both frustrating and disheartening. I have made repeated calls and submitted multiple emails, only to be met with automated responses and unfulfilled promises of follow-up. Each representative I have spoken with has asked me to repeat my story from the beginning, with no apparent internal documentation or coordination. This lack of continuity and transparency has made the process even more stressful and time-consuming. \nThese unauthorized transactions have severely impacted my financial stability. I live on a modest income and carefully manage my expenses. The unauthorized withdrawals caused me to fall behind on essential bills, including rent and utilities, and left me unable to purchase groceries or pay for transportation. The financial strain is compounded by the emotional distress I have experienced because of this situation. \nThis has not only been a violation of my financial security but also of my personal well-being. The betrayal of someone I trusted during this trip is deeply painful. Discovering that this individual XXXX have intentionally accessed my financial information, whether by physically accessing my card, photographing it, or otherwise obtaining my credentials without permissionhas left me feeling vulnerable, used, and emotionally distressed. \nI also suffer from XXXX  and XXXX, which have been exacerbated by this ordeal. The lack of accountability from Chime has added a psychological burden to an already difficult experience. I have been struggling to focus on work, maintain my daily routine, and find peace of mind knowing that someone violated my financial autonomy. I can provide medical documentation verifying these conditions, including official records from my licensed healthcare providers, which outline my ongoing treatment and history with mental health conditions affected by stress and financial trauma. \nUnder Regulation E, financial institutions are required to : 1. Promptly investigate consumer-reported unauthorized electronic fund transfers.\n\n2. Provide a written explanation of their findings.\n\n3. Issue provisional credit within ten business days if the investigation is not completed within that time.\n\n4. Reverse any fees incurred because of the unauthorized transactions if they were proven to be fraudulent.\n\nChime has failed to meet these obligations. I have not received provisional credit. I have not received a detailed explanation of their findings. I have not received any assistance in reversing the fees caused by these unauthorized charges. \nChimes inaction is not just poor customer serviceit is a violation of federal law. This failure leaves consumers like me unprotected and without recourse when victimized. I am now asking federal regulatory agencies to hold Chime accountable for these oversights and to compel them to comply with the law. \nI respectfully request the following actions from the appropriate federal agencies : launch an independent investigation into Chimes handling of this and similar fraud complaints. \nCompel Chime to issue provisional credit for the disputed charges in accordance with Regulation E.\n\nRequire Chime to issue a written statement explaining the outcome of their investigation and any evidence used to deny provisional credit. \nProvide me with appropriate restitution for fees or penalties incurred because of this fraud. \nReview Chimes dispute handling process and determine whether broader regulatory action is needed. \nContact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX I am available for follow-up at your earliest convenience. Please do not hesitate to contact me directly if further clarification or documentation is needed. \nThis has been an overwhelming experience. I have been victimized twicefirst by the individual who committed the fraud, and then by the financial institution that failed to support me. I have done everything required of me as a consumer, including filing disputes, protecting my accounts, and providing documentation. Yet I have received no support from the institution responsible for safeguarding my funds. \nI implore your office to step in and advocate for consumers like me who are left to fend for themselves when fraud strikes. I trusted Chime with my finances. That trust has been broken. \nThank you for taking the time to review my complaint and for helping me restore financial security and peace of mind. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-07-29T19:01:16.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"21230","tags":null,"has_narrative":true,"complaint_id":"14948544","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-07-29T18:57:42.000Z","state":"MD","company_public_response":null,"sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["Upon returning to XXXX on XX/XX/2025, I reviewed my Chime account and discovered multiple unauthorized XXXX-related transactions linked to a phone number I do not <em>recognize</em> : XXXX. I had not authorized any of these charges, nor had I received any notifications, or verification <em>prompts</em> from either Chime or XXXX. I immediately contacted XXXX customer service department and was informed that the purchases were made through an XXXX XXXX  and device that do not belong to me."]},"sort":[8.725595,"14948544"]},{"_index":"complaint-public-v1","_id":"10024667","_score":8.623797,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Copy of emails recently sent to Coinbase XX/XX/XXXX To Coinbase Security Team.immediately after sending the email below to Coinbase I received an automated message requesting I open another compliant from the Coinbase website. After my failed login attempt from yesterday I tried to send Coinbase an email, but was never able to find the opening directly from your websites Help page. The opportunity or link to send an email request for help was never apparent, in spite of my repeated attempts from a wide variety of links, drop down menus, etc on your Help page. \n\nHow can we resolve this issue if I can not communicate directly with a Coinbase representative who has the authority to close my account, instead of only automated Coinbase emails. Note my original complaint was lack of access to my account, however due to the lack of responsiveness / customer service from Coinbase, my patience has been exhausted and the only solution for me now is to close my account. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; Coinbase Support XXXX XXXX XXXX XXXX XXXX coinbase.com Subject : Update from XXXX XXXX XXXX Coinbase Complaint ... ... RE : [ Can not be Reopened ] Case XXXX XXXXXXXX - WE WILL NOT CALL YOU ABOUT THIS ISSUE XX/XX/XXXX To Coinbase Support, Disappointed that I have had no reply from you regarding my request from my XXXX XXXX email for help. \n( see below ) For your information I tried again yesterday to gain access to my account, inputting my password correctly as well as my Authenticator #. Since Coinbase didnt recognize my device, even though it was the same personal tablet that I have always used to access my account, they requested confirmation of my email address to send me an email.which never arrived. Note I did check my spam folder tool In view of your continued unresponsiveness to my requests for assistance, I have complained to the Federal Trade Commission and have attached a copy of their confirmation of my report to them for your information I hope to resolve this issue at the earliest. \n\nRegards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : Coinbase Support XXXX Cc : security @ coinbase.com Subject : Re : [ Can not be Reopened ] Case # XXXX - WE WILL NOT CALL YOU ABOUT THIS ISSUE... ... ... ... .if the case ( which was unresolved ) can not be reopened, consider this email as a request to open a new case based on the email I just sent to you less that XXXX minutes ago. \n\nREgards XXXX XXXX ________________________________________ From : Coinbase Support XXXX Sent : Tuesday, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : [ Can not be Reopened ] Case XXXX XXXXXXXX - WE WILL NOT CALL YOU ABOUT THIS ISSUE Note : Coinbase will never initiate a ticket on your behalf. If you did not submit this ticket from help.coinbase.com yourself please report this email to our team at security @ coinbase.com for us to investigate. Coinbase will also not call you about this issue. If you receive a call from someone claiming to be from Coinbase, please hang up. Additionally if you would like to lock your account or report suspicious activity related to your account, please see how to secure your account here. \n\nHi there, Thanks for the response! Wed love to help you further, however, this case has been closed and can not be reopened. \n\nPlease submit a new ticket to our online support form here for continued assistance XXXX XXXX XXXX XXXXXXXX Thanks, Coinbase Support thread : XXXX XXXX XXXX XXXX Coinbase www.coinbase.com Coinbase Case # XXXX Reopened / Still Pending...... XXXX : Closure of Account for Dissatisfied Coinbase Customer - XXXX XXXX XXXX XXXX XXXX To : Coinbase XXXX XXXX XXXX XXXX @ coinbase.com Tue XX/XX/XXXX XXXXXXXX XXXX Good Afternoon Coinbase I received an email from Coinbase Support, the day after I sent the email below to the SEC, advising me that my case had been closed ( # XXXX ) and they could NOT help me, that I would have to reopen a case at Help @ Coinbase. I did not see how my case could be considered closed since my issue ( not having access to my account and your non responsiveness to my multiple requests from me ) especially in view of my previous emails to you of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all of which requested your help to resolve my issue and were not answered, or rather were ignored by you. \n\nAll the emails listed above are being forwarded to you below for your easy reference and information, as well as a copy of my email to the SEC, which I assume prompted your email today. Consider today 's email a formal request to reopen this long pending case with you. \n\nThe SEC has already replied to me, suggesting that I contact the Federal Trade Commission and the Consumer Financial Protection Bureau to help me. I will allow you this week to settle this matter, before I contact them. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Cc : Coinbase Support XXXX Subject : Request help from SEC ... ... ... ... ... ... Re : Closure of Account for Dissatisfied Coinbase Customer - XXXX XXXX Securities Exchange Commission Consumer Protection Hello SEC, As you can see from my several emails Below requesting help to access my Coinbase account, they have ignored my inquiries completely since they last response in XXXX of last year ( XXXX ) and I have been unable to reach them by telephone. \n\nWould you be able to help in recuperating my account, my monies? If not directly through your intervention, could you offer me another suggestion to resolve my issue with Coinbase? \n\nMany thanks for your consideration. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX P.D. I have erased my personal bank account info in the email below ( in red ) which had been shared with Coinbase ________________________________________ From : XXXX XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXXXXXX XXXX  To : Coinbase Support XXXX Subject : Closure of Account for Dissatisfied Coinbase Customer - XXXX XXXX XXXX XXXX, I have tried to call your support tel. # ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) which never allowed me to speak to a customer service agent. Frustrated that I have not been able to access my account and amazed at your lack of service and accessibility, I want to close my account. Please respect my instructions and advise me what information you require to proceed. I have noted my bank info below ( account and routing numbers ). Also note that my telephone number is new and is not registered in my personal profile. The telephone number you have on my account was lost 8 months ago. \n\nI realize and appreciate that account security is a primary concern, however you have made it impossible for me to access my account to use your services, and since your help center remains isolated behind their programmed written and audio responses with any avenue to human assistance, you have left me no other choice but to close my account. A prime example is your complete lack of response to my email query / request of more than XXXX weeks ago below. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sent : Thursday, XX/XX/XXXXXXXX XXXX XXXX  To : Coinbase Support XXXX Subject : Re : Help for Dissatisfied Coinbase Customer - XXXX XXXX XXXX Morning, Unless I hear from you within the next days to resolve my request to liquidate my holdings since I have not been able to access my account, I will have no other option but to report XXXX to the SEC and XXXX XXXX XXXX XXXX XXXX XXXX \n\nRegards XXXX XXXX XXXX XXXX XXXX XXXX ________________________________________ XXXX XXXX XXXX XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : Coinbase Support XXXX Subject : Re : Help for Dissatisfied Coinbase XXXX - XXXX XXXX XX/XX/XXXX Coinbase Support I would appreciate a response and resolution to my request of XXXX weeks ago at the XXXX XXXX XXXX XXXX XXXX XXXX Get Outlook for Android ________________________________________ XXXX XXXX XXXX XXXX XXXX Sent : Sunday, XX/XX/XXXX XXXXXXXX XXXX To : Coinbase Support XXXX Subject : Help for Dissatisfied Coinbase Customer - XXXX XXXX XXXX Morning If you will check your records, I am sure that you will see that it has been more than 6 months since I have been able to access my account. Today, I correctly inputted my password, successfully inputted my Authenticator code, however since you did not recognize my device ( although it is the same tablet I have used for the past XXXX years ), you indicated that you would send me an email to authenticate I never received the email in spite of repeated attempts. Note that I did put all XXXX Coinbase customer service emails into my contacts lists. I also repeatedly called both of your customer service telephone numbers, however I was never able to speak to a human and the automated choices were of no help to me. \n\nMy patience and perseverance has reached my limit. Please send me a full statement of my account and advise me how to close it. I appreciate your prompt attention to this matter, and will not entertain any other solutions at this late hour. \n\nSincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-09-04T10:11:21.000Z","issue":"Other transaction problem","sub_product":"Virtual currency","zip_code":"287XX","tags":"Older American","has_narrative":true,"complaint_id":"10024667","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2024-09-04T09:45:41.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Copy of emails recently sent to Coinbase XX/XX/XXXX To Coinbase <em>Security</em> Team.immediately after sending the email below to Coinbase I received an <em>automated</em> message requesting I open another compliant from the Coinbase website. After my <em>failed</em> login attempt from yesterday I tried to send Coinbase an email, but was never able to find the opening directly from your websites Help page."]},"sort":[8.623797,"10024667"]},{"_index":"complaint-public-v1","_id":"9475136","_score":8.487587,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to bring to your attention a critical issue regarding fraudulent debt reporting that has recently appeared on my credit file. It has come to my attention that there is a debt listed on my credit report that is not only erroneous but also the result of fraudulent activity. \n\nThe debt in question pertains to Converse {$280.00}. However, I would like to categorically state that this debt is fraudulent and based on misinformation. I have already settled this debt directly with the school in question, and it should not have been reported to any credit agency. \n\nDespite the resolution of this matter, a debt collector has taken it upon themselves to report this fraudulent debt to your agency, thereby tarnishing my credit history and violating both my rights and relevant laws, including the Fair Credit Reporting Act ( FCRA ). \n\nI urge Consumer Finance to take immediate action to rectify this situation by removing the erroneous and fraudulent entry from my credit report. Additionally, I request an investigation into how such inaccurate information was allowed to be reported and why proper verification processes were not followed. \n\nPlease provide me with a timeline for when I can expect the fraudulent debt to be removed from my credit report and confirm that necessary steps will be taken to prevent similar incidents from occurring in the future. \n\nI appreciate your prompt attention to this matter and expect a swift resolution to ensure the accuracy and integrity of my credit file. \n\nI also would to bring to your attention a significant issue I have encountered while attempting to resolve an erroneous entry on my credit report. The entry in question pertains to an account with Conserve, which has been inaccurately reported and is negatively impacting my credit history. \nConverse reached out to me over the phone and told me they have sent out letters and I did not respond to those letters. I asked them to verify my address and they gave me XXXX XXXX XXXX XXXX . I havent stayed at this address for over seven years, I asked them. \nHow do you have my correct number but you do not have my correct address. What makes the matters even worse is the phone number I have is kinda new. I only have this phone number for about 3 years. They did not care about sending the letters to the wrong address. The only thing that they kept telling me is this that will become eligible to be reported to your credit and may affect your credit. \nI asked them to stop telling me this will affect my credit and lets fix the issue about you guys saying you reached out to me with letters that I never received. They ignored Me, of course.. I was unable to get back in contact with them due to their phone system, so I paid the school directly. \nAfter the school was paid, I was able to get a hold of them because they called me just to tell me they got the correct address and they need me to verify I was lost because for two years you send letters to the wrong address but now all of a sudden you have my correct address And indeed they did. I expressed to her that I paid the school directly. She got upset and said you should have never paid the school directly. She told me we havent got a update from the school. I expressed to her. I have receipts she said no, I have to have confirmation from the school. I said OK. Literally three days later its on my credit. They had every intention on hurting my credit. \n\nMy attempts to address this matter directly with Conserve have been thwarted due to a flaw in their phone system, which fails to recognize that I have an account with them. Despite providing my Social Security number and phone number associated with the account, I have been repeatedly told by their automated system that I do not have an account, thus preventing me from reaching a resolution. \n\nIt is deeply concerning that Conserve 's phone system is unable to recognize existing accounts and thus inhibits customers from accessing vital information or resolving issues related to their accounts. This lack of functionality not only inconveniences customers but also raises questions about the reliability and effectiveness of Conserve 's customer service infrastructure. \n\nFurthermore, I believe that Conserve should take accountability for this issue and ensure that customers are able to reach them for assistance without encountering such barriers. If Conserve reaches out to customers regarding their accounts, it is only fair and reasonable that customers are able to reach out to Conserve when needed, without being erroneously informed that they do not have an account. \n\nI urge you to investigate this matter and ensure that Conserve takes immediate steps to rectify their phone system 's shortcomings and provide customers with the necessary means to address issues related to their accounts. Additionally, I request that you intervene to facilitate communication between myself and Conserve to resolve the inaccuracies in my credit report. \n\nThank you for your attention to this matter. I trust that you will take the appropriate actions to address this issue and uphold the integrity of credit reporting processes.","date_sent_to_company":"2024-07-10T20:54:19.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"76708","tags":null,"has_narrative":true,"complaint_id":"9475136","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Continental Services Group, Inc. d/b/a ConServe","date_received":"2024-07-10T20:21:00.000Z","state":"TX","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["My attempts to address this matter directly with Conserve have been thwarted due to a flaw in their phone system, which <em>fails</em> to <em>recognize</em> that I have an account with them. Despite providing my Social <em>Security</em> number and phone number associated with the account, I have been repeatedly told by their <em>automated</em> system that I do not have an account, thus preventing me from reaching a resolution."]},"sort":[8.487587,"9475136"]},{"_index":"complaint-public-v1","_id":"7565293","_score":7.9583054,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Details of the Experience : Starting sometime around 2023, whenever I logged in to access my Paypal account online through a web browser, after entering and verifying my credentials, I would be blocked from progressing to my actual account management by a \" Add your phone number '' screen. This \" add phone number '' page had been popping up prior to 2023, but previously there was always a small \" skip '' option provided ; whereas now there is no way to progress without entering a phone number. This means I can not access my account at all unless I give Paypal a phone number. I have had this account for many years, possibly a decade or more, so long that I can not remember even the number of years, and in all that time I have always made use of Paypal 's services through a web browser without the need for a phone number, nor do I have any desire to provide XXXX to this company. Yet now they are forcibly and illegally violating my rights and the rights of \" hundreds of customers '' ( in its own representative supervisor 's words ) by blocking access to their customer 's accounts unless a phone number is entered. In addition, knowing that this is illegal, they are lying about this when being asked by their customers. \n\nWithout the means to access to my account, I am blocked from everything including online customer support. The only recourse Paypal left to me was the XXXX hidden on their website, through which I contacted them. \n\nMy first call and second calls were disconnected halfway after an automated answering service picked up, before I could even talk to an agent. On my XXXX call, the very first thing the automated service demanded is \" the last XXXX digits of your social security number ''. I want to make it clear that I have never provided my social security number to Paypal, and due to security and privacy concerns, wished to provide this to them EVEN LESS than my phone number. However, just like the \" add phone number '' page was illegally blocking total access to my account, this \" XXXX digit SS # '' demand by the answering system was illegally blocking total access to customer service. It is literally the first thing that the automated system demanded when the call finally went through, and I was offered no option to bypass or speak with a representative. Since the XXXX number was the last and ONLY option left to me to even contact Paypal after my access to my account was blocked by the \" add phone number '' page, I was forced to capitulate and provide the last XXXX digits of my SS #. Then and only then was I asked for other information to identify my account, including the last XXXX digits of a credit card that I had used or is using with Paypal on my account. \n\nAfter providing both my bank account and credit card number that I had on file with Paypal, I was abruptly forwarded to a representative, \" XXXX ''. When I explained that I was blocked from accessing my account by the \" add phone number '' page, and very clearly stated that I do NOT wish to give Paypal my number, she tried to stonewall me by saying, there is nothing she can do to remove the page block because \" that's the system ''. When I stated that without access to my account, I can not do anything, not even close the account, she tells me that she can close the account for me over the phone. I reiterated I would need to manage my account first to arrange payments before I can close it, she finally said she'll check my account and see if there's anything else she can do, then mentions that there is a \" security check '' placed on my account. She informs me that I need to answer some questions with \" publicly available information '' to bypass it. Due to past experience, the ambiguous wording of her \" security check '' misled me to think that she was asking the questions to verify that my caller identity as the actual account holder. Naturally I raised the question of why the previously provided bank account and credit card numbers were not enough to identify me as the account holder, and she merely brushed the question aside by stating that's how the system is setup and I would need to answer the questions or there is no other way. When I pointed out the security risk and sheer inanity of using \" publicly avaiable information '' as a way of verifying account holder identity, she again used \" the system '' excuse and reiterated she will not provide an alternative. Thus I was misled into thinking that I needed to answer these questions in order for her to check my account and be able to provide service to me at all. Thinking I had no choice, and under the false impression that I was merely verifying my identity as the account holder, I again was forced to capitulate and proceed with the questions. She the started to ask me a series of questions, though really it was all along the lines of \" which of the following information is associated with you ''? Each time I was given a group of answers and asked to choose the one, if any that had any association with me. The first and second group consisted of street addresses, then there was a question of a person with a name I didn't recognize, and information presumably related to them. After XXXX of these groups, in which over half of the information I did not associate with me, the representative informed me that I had failed the security check and she still could not remove the phone number requirement for my account. \n\nWhen it was obvious I wasn't going to give up easily, \" XXXX '' stated she will forward me to a supervisor who might be able to help me with this. After more waiting, I was forwarded to a supervisor who provided his name as \" XXXX '', ID # : XXXX. It was obvious I wasn't the first person who had called in about this issue, and he was used to dealing with it. Immediately and without my prompting, he stated that he was aware I was calling about my inability to access my account without providing a phone number and \" yes, I know this is a discrimination against handicapped people and against people who can not afford phones ''. And indeed, Paypal 's practice of forcing phone numbers and blocking account access was also violating the rights of said people, in addition to my privacy violation. It's clear someone else already informed him of those things, and he and Paypal is well aware of the violations, yet is purposefully carrying on with the practice. When I informed him of the additional privacy violation, he immediately agrees to that as well, and then proceeded with lying straight to my face, by telling me that the \" add phone number '' page blocking account access is actually a \" technical error '' that they \" don't know how it happened ''. He admits that it's \" been going on for months '' ( consistent with my personal experiences ), and when I questioned why it took months to fix a simple \" error '', he perpetuates the bald-faced, flimsy lie by stating \" Do you know how many customers we have? We have XXXX  of customers, it will take a long time to fix this ''. I was temporarily speechless, stunned into silence while deliberating which I should point out first : his sheer lack of intelligence that made him think that I would believe such a poor lie, or his sheer lack of respect in repeatedly, flat out lying to my face. He wants me to believe that Paypal unintentionally removed the \" skip '' button on the \" add phone number '' page that forcibly blocks customers ' access to their accounts and it would took literal \" months '' and they still haven't fixed it for everyone affected because Paypal has \" XXXX  of customers ''? Never mind the fact that it takes a mere second to add or remove XXXX line of code, all of this is in direct contradiction to what \" XXXX '' the representative before him just stated to me. Before I could do either however, he attempts to mollify me by saying that because I have now contacted them about this, he will now \" elevate my account to the front of the line with the technical team '', so the issue should be fixed for me within \" XXXX hours ''. When I verified with him that this means I would be able to access my account without providing a phone number after XXXX hours, he then changed tune and said, \" well XXXX hours *at least*, give it a week. '' Then he told me to call them again if it's not fixed. \n\nIt has now been well over a month since that phone call. I have checked after XXXX hours, after a week, after XXXX weeks, and today. Nothing has changed. The same \" add your phone number '' page still pops up in the exact same place after verifying my login credentials, and there is still no way to bypass it without entering a phone number that they will accept. I should state that I have actually tried to enter a phone number, the same phone number that I called Paypal with that day, which was my secondary phone number when I didn't wish to give out my primary, and Paypal 's system will not accept it. I informed the representative \" XXXX '' about it at the time, and her only response was a mere \" mmmmh ''. \n\nBefore I ended the call with supervisor \" XXXX '' that day, after he promised the \" XXXX hours '' resolution to the \" add phone number '' issue, I had also raised the issue with the phishing questions that were asked to me by the previous representative. At the time I had still believed that the questions were meant to confirm my identity as the account holder, and so I only pointed out the illogical and dangerous problem with using \" publicly available information '' to confirm account holder identities. I asked why it wasn't enough that Paypal already had my bank account and credit card numbers and that I had already provided those when the system wanted them to verify my account holder status. And like \" XXXX '', \" XXXX '' obfuscated the issue and did nothing to clarify the misconception -- -that none of the information used in the so called \" security check '' questions were really needed or used for verifying my account holder status, and he ultimately did nothing to clarify their true purpose to the customer. It was only after the call, I belatedly realized how deeply suspicious and illegal these questions were, that it was all a phishing scheme to pinpoint my personal identity, far beyond what I had already provided to Paypal and beyond what was necessary to provide their services, with information that I never provided and could not even be reliably attributed to me. I do not know the true illicit purpose of these privacy violating phishing schemes and information extortions that Paypal has going on, but I do know that it is deeply illegal and I am very angry. \n\n\nSummary of Violations I am writing to report the egregious violations by the company providing the virtual wallet payment service known as Paypal, primarily consisting of XXXX issues : XXXX. Illegally extorting and extracting personal information and violating privacy rights and financial rights by blocking customers ' access to their accounts unless a phone number is given to Paypal. \n\nXXXX. Denying any access to even reach a customer sesrvice representative or contact the company about account issues unless the last XXXX digits of their Social Security number is provided. \n\nXXXX. Using misinformation and outright deception to get the customer to answer phishing questions regarding personally identifying information that XXXX or XXXX not be theirs, and misrepresenting this as a means to \" pass security check '' to allow access to their accounts. The personal information used in the questions was never willingly provided by the customer, and likely obtained through the aforementioned Social Security number and background checks. It is information that they can not even be sure is accurately associated with the customer they are asking, hence the phishing. By their own words, they are using \" publicly available information '' in the questions. The exact purpose of these questions was never accurately explained to me by Paypal 's customer service representatives, instead they simply used vague and misleading words like \" to pass the security check '' and states that this is the only way to return access to my account without obtaining my phone number. Meanwhile, the entire time I thought the rep was asking the questions to verify that I was the account holder. Even though I repeatedly pointed out the sheer illogic and security risk of using \" publicly available information '' to verify if a caller was the account holder, especially since the information in said questions was never provided to Paypal as the customer in the first place, all the representatives merely continued to stonewall and offer no reasonable explanation or alternative. \n\n\n# # Note to CFPB # # Please do NOT provide the phone number I have given CFPB to Paypal as it is my primary phone number and would defeat the entire original purpose of this complaint.","date_sent_to_company":"2023-09-19T04:23:10.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"222XX","tags":null,"has_narrative":true,"complaint_id":"7565293","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2023-09-19T03:53:16.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The first and second group consisted of street addresses, then there was a question of a person with a name I didn't <em>recognize</em>, and information presumably related to them. After XXXX of these groups, in which over half of the information I did not associate with me, the representative informed me that I had <em>failed</em> the <em>security</em> check and she still could not remove the phone number requirement for my account."]},"sort":[7.9583054,"7565293"]},{"_index":"complaint-public-v1","_id":"16508973","_score":7.306035,"_source":{"product":"Mortgage","complaint_what_happened":"LoanCare has failed to investigate a report I made to them in early XXXX of a fraudulent password change on an account LoanCare chose to maintain on its computer systems ( without notifying me ) after I canceled a HELOC they were servicing in XXXX. The HELOC was originated through XXXX Bank which had subcontracted loan servicing to LoanCare as it prepared to sell its banking unit to an investor group which renamed the bank XXXX. LoanCares customer service representatives informed me that they had no fraud investigation area or protocols this likely violates FCRA and state regulations and is especially egregious as LoanCare experienced a significant data breach and had failed to inform affected customers, including me, in a timely manner when that breach happened Background I originated a HELOC with XXXX Bank in XX/XX/XXXX, on the advice of my XXXX XXXX  XXXX  Advisor as part of my regular retirement account review. For almost 5 years, I had not used the HELOC, but in XX/XX/XXXX, I used my home equity line of credit to help my sister with a bridge loan so she could purchase a new home in XXXX  before she received her closing settlement from the sale of her home in XXXX. During the 2 months before my sister could repay me, I received notice that XXXX was selling the bank to a private group of investors and that the bank would be renamed XXXX ; XXXX would retain a seat on its board as part of that sale. LoanCare was extremely difficult to work with as I tried to pay off my HELOC balance, with contradictory guidance and delay tactics that cost me additional interest ; those problems were resolved only after I reached out to my XXXX  XXXX  XXXX  Advisor to complain and ask for help. During this process, I received notice of LoanCares data breach, and after researching how much time had expired between the breach and the notification, I decided to end the HELOC, 5 years before it would have expired. LoanCare did not make closing out the HELOC easy, but ultimately acknowledged the loan was settled and released the lien that had been placed on my homes title. Because of the extent of the data breach, I froze my credit at all three agencies, added extra layers of security on my retirement accounts, bank accounts and Social Security and enrolled in my municipalitys fraud alert service for my homes title. I thought all of this would protect me against the effect of this egregious data breach. But it didnt stop LoanCare from doing more harm to me harm I believe originated with the data stolen in the data breach and perhaps involving an insider who knew that LoanCare was maintaining live accounts after customers had closed out their loans. \nThe fraudulent change at LoanCare At XXXX XXXX  on XX/XX/XXXX, an automated email arrived in my Inbox from LoanCare, informing me that I had successfully changed my password on my loan account. My account name was in the email as was the location where this request was made ( XXXX, XXXX  ) and a time stamp that did not make sense -- that was for XXXX XXXX XXXX XXXX XXXX, basically from somewhere with a four hour time difference. I did not initiate this password change and was surprised that there was an active account at LoanCare. The email informed me to call the customer service number on my original loan paperwork if I did not initiate the transaction. Even though the XXXX address in the confirmation email indicated it was in XXXX, XXXX, the odd timestamp told me that this fraud likely originated somewhere overseas, 4 hours ahead of XXXX XXXX XXXX. \nI had to wait until XXXX XXXX to call to reach someone at the XXXX LoanCare customer service area. The LoanCare automated system recognized the number I was calling from, but asked me to key in the last 4 digits of my SSN just to be able to reach a representative. Through all the \" press this, press that '' instructions, the system told me when my last payment was made ( XXXX of XXXX ) and other details about my old loan. I was shocked that so much information was available to be heard from just entering the last 4 digits of my SSN. Clearly LoanCare had not increased security measures after the data breach. The first representative I spoke with told me that LoanCare does not have a Security or Fraud department, and that all she could do is to reassure me that my account was paid off and closed. I told her I was following the instructions in the email I had received from LoanCare to report a fraudulent password change, but she said that there was nothing more she could do for me. I insisted on speaking with someone who would investigate. Finally, she offered to transfer me to the technology area. There I spoke with someone who asked more verification questions and promised she would \" write up a ticket '' for the technology area to research how a password change could be processed by their system without a two-factor verification code ( I verified that there was no code sent to my phone ). She acknowledged that although I had closed out my HELOC, LoanCare was maintaining a profile with my personal data on their system for future needs ; that account was linked to my closed out loan. After I told her I would never knowingly do business with LoanCare again, she offered to wipe that profile off their system and add notes on my historic closed account about this fraudulent attempt to take control of my expired account. She had no answers to my questions about why Customer Service could not help me. Our conversation closed with her sharing that the ticket would expire in one week, whether or not I was contacted and that I might not get an answer. After hanging up with her, I was uncomfortable, and I wrote to my XXXX XXXX XXXX Advisor asking for his help again with LoanCare. \nAttached to this complaint are two files. One file contains all the email correspondence with XXXX about LoanCares handling of this report of fraud. In spite of the numerous promises that I would hear from their bank complaint unit, I never received a call, email or letter from XXXX. The second file contains scans of many letters from XXXX serviced by LoanCare ( the address is LoanCares address ). Most arrived 12 to 15 days after the dates on the letters. They appear to have been generated after each email I sent to XXXX and when a XXXX business day period from a previous letter was elapsing without resolving the investigation. I also received a phone call from LoanCare on XX/XX/XXXX, which may or may not have been related to this situation. As I was at a funeral, the call went to my voicemail. When I returned the call, I was told that the call was to verify my contact information only for future marketing purposes the call is described in detail in the email to XXXX of XX/XX/XXXX. I dont believe anyone at XXXX XXXX LoanCare, or XXXX is really looking into this situation everyone is passing the buck as if each complaint was unrelated. I am getting nowhere with LoanCares computer which continues to acknowledge receipt of my complaints and asks for additional time to investigate. \nIn addition to this report, I plan to file complaints with the offices of the Attorney General in my home state of XXXX, XXXX XXXX where the email says that the fraud originated ( and where XXXX headquarters are located ), XXXX  where LoanCare is located ; and XXXX, where XXXX ( formerly XXXX Bank ) is located. I am aware that a settlement was reached in the LoanCare data breach case, but based on my reading of the settlement agreement, it appears that neither the judge nor the attorneys representing the class included any residual protection from the use of the stolen data to attempt fraud not even at the organization from which our data was stolen. \nI do not understand how a loan service company can be allowed to operate without having a fraud response process and/or unit to deal with situations like I have described especially an organization with at least one serious data breach settlement in recent history. I do not understand how a bank can offload the servicing of loans that they originate to a loan services firm that can not ensure that data stolen from them isnt used to commit fraud against that banks customers. As XXXX has not delivered on its promise to have its bank complaint unit contact me, I am now reconsidering whether to continue to use them for retirement account servicing. Unwinding the almost 27 year XXXX relationship will take at least nine years due to restrictions on some of the underlying annuity investments. All three of these organizations have lost my trust. \nI am hopeful that the CFPB will see the usefulness of pursuing this matter to help me and other consumers being harmed by LoanCare and XXXX ( formerly XXXX Bank ). I am appreciative of past CFPB actions against institutions that have harmed me, especially the settlement reached with XXXX over its six-year discrimination campaign against XXXX  like me based solely on the XXXX/XXXX  ending of their last names. News of that settlement prompted me to unwind a XXXX relationship with XXXX. Even though banking/lending is highly regulated by the states, it is especially important that a federal resource be made available for situations that cross state lines like this situation. For that reason, I hope that the CFPB prevails in its legal quest to remain a vital service to citizens. Please feel free to pass this information on to any other federal agency interested in regulating banks and their subcontractors and in fighting fraud and identity theft.","date_sent_to_company":"2025-10-10T13:42:14.000Z","issue":"Trouble during payment process","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"06905","tags":"Older American","has_narrative":true,"complaint_id":"16508973","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LoanCare, LLC","date_received":"2025-10-10T13:26:13.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["The LoanCare <em>automated</em> system <em>recognized</em> the number I was calling from, but asked me to key in the last 4 digits of my SSN just to be able to reach a representative. Through all the \" press this, press that '' instructions, the system told me when my last payment was made ( XXXX of XXXX ) and other details about my old loan. I was shocked that so much information was available to be heard from just entering the last 4 digits of my SSN."]},"sort":[7.306035,"16508973"]},{"_index":"complaint-public-v1","_id":"6990609","_score":7.261072,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/1993 RE : Violation of the United States XXXXode Law RE : Violation of the United States Code Law Dear Sir/Madam, I am writing this letter to address the violations of the Fair Credit Reporting Act ( FCRA ) committed by Equifax Information Services LLC XXXX It is evident that your agency is in direct violation of the FCRA by maintaining inaccurate, unverifiable, and invalidated information in my consumer file. This letter serves as a final written offer of settlement before pursuing litigation, as authorized by FCRA Sections 1681n, 1681o, and 1692k, seeking relief and monetary compensation for the damages caused by your noncompliance. Despite the requirements outlined in the FCRA, the unverified items listed below still remain on my credit report. Your agency is obligated to maintain a copy of the original creditors ' documentation to verify the accuracy and ownership of the reported information, as mandated by Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). However, you have failed to provide me with any original documentation, including a consumer contract with my signature. Furthermore, you have neglected to provide the method of verification as required under Section 611 ( a ) ( 7 ). It is crucial to note that Section 611 ( 5 ) ( A ) of the FCRA explicitly states that \" all information which can not be verified '' must be promptly deleted. I find it concerning that your agency appears to lack understanding of the FCRA, considering the numerous errors I have identified on my credit report. Allow me to provide a breakdown of the Fair Credit Reporting Act and the nature of FCRA violations : The Fair Credit Reporting Act is the primary federal law governing the collection and reporting of credit information. It establishes rules regarding the acquisition, retention, and sharing of consumer credit information. FCRA violations can occur when creditors furnish inaccurate financial information to reporting agencies, when reporting agencies mistakenly mix up information of different individuals due to similarities in names or Social Security numbers, or when agencies fail to follow guidelines for handling disputes. Under the Fair Credit Reporting Act, I have the following rights : a. The right to verify the accuracy of my report when it is required for employment purposes. b. The right to receive notification if information in my file has been used against me in credit applications or other transactions. c. The right to dispute inaccurate, incomplete, and unverifiable information in my report and have it corrected or deleted. d. The right to have outdated negative information removed from my report after the specified time limits ( typically seven years, or 10 years in the case of bankruptcy ). In light of the violations outlined above, I demand the immediate deletion of the following items from my credit report due to their inaccuracy, unverifiability, and invalidation : [ Provide a numbered list of the disputed items, including the account name, account number ( if applicable ), and a brief explanation of the issue with each item. ] Failure to comply with this request and resolve these inaccuracies within the stipulated timeframe may result in legal action in accordance with the FCRA. I am prepared to enforce my rights under the FCRA by pursuing litigation to seek the remedies provided by Section 616 and Section 617, which include actual damages, punitive damages, the costs of the action, and reasonable attorney 's fees. Furthermore, I request that you remove all non-account holding inquiries from my credit report. Please note that you have 30 days, as mandated by the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), to complete the reinvestigation of these disputed items. I also require a detailed description of the procedure used to determine the accuracy and completeness of the information within five days of completing the reinvestigation. I explicitly state that I do not consent to e-Oscar or any automated verification methods. Failure to respond satisfactorily within the specified timeframe may result in legal action, including a small claims lawsuit seeking {$5000.00} per violation for defamation, negligent enablement of identity fraud, violations of the Fair Credit Reporting Act, and financial injury. Please be aware that, depending on your response, I may publicly disclose any potential issues with your company through an online press release, including documentation of any pending small claims action. Copies of this complaint will be forwarded to the relevant organizations and authorities listed below for their information and appropriate action : XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me because I can not recognize this business. Please delete this account from my credit report. 10. The following personal information is incorrect DATE OF BIRTH : XXXX  11. The following personal information is incorrect DATE OF BIRTH : XXXX  I trust that you will take immediate action to rectify these violations and promptly address my concerns. I expect a comprehensive and satisfactory response from Equifax Information Services LLC within the specified timeframe. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX","date_sent_to_company":"2023-05-17T21:40:42.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85021","tags":null,"has_narrative":true,"complaint_id":"6990609","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-05-17T21:38:48.000Z","state":"AZ","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["However, you have <em>failed</em> to provide me with any original documentation, including a consumer contract with my signature. Furthermore, you have neglected to provide the method of verification as required under Section 611 ( a ) ( 7 ). It is crucial to note that Section 611 ( 5 ) ( A ) of the FCRA explicitly states that \" all information which can not be verified '' must be <em>promptly</em> deleted."]},"sort":[7.261072,"6990609"]},{"_index":"complaint-public-v1","_id":"6502778","_score":6.871562,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation. \n\nALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.\n\nNOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.\n\nYOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.\n\nIts very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.\n\n1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.\n\n2. What is a FCRA violation?\n\nCreditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.\n\n3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.\n\nReceive notification if information in my file has been used against me in applying for credit or other transactions.\n\nDisputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.\n\nRemove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).\n\nI demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.\n\nThe law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.\n\n1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 3. XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. \n\n4. XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. \n\n5. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. \n\n6. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\n7. XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. \n\n8. XXXXXXXX XXXX XXXX XXXX XXXX \nAccount Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. \n\n\n\n* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.\n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : XXXX XXXX XXXX CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX","date_sent_to_company":"2023-01-29T09:33:23.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"776XX","tags":null,"has_narrative":true,"complaint_id":"6502778","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-01-29T09:28:47.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Furthermore you have <em>failed</em> to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to <em>promptly</em> DELETE all information which can not be verified."]},"sort":[6.871562,"6502778"]},{"_index":"complaint-public-v1","_id":"6970038","_score":6.601702,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.\n\nPlease accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. \n\nYOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.\n\nIts very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.\n\n1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.\n\n2. What is a FCRA violation? \n\nCreditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. \n\nXXXX. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.\n\nReceive notification if information in my file has been used against me in applying for credit or other transactions.\n\nDisputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.\n\nRemove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ). \n\nI demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes. \n\nThe law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. \n\nXXXX. XXXX XXXX Account Number : XXXX To the best of my knowledge this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately. \n\nXXXX. XXXX XXXX Account Number : XXXX To the best of my knowledge this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately. \n\nXXXX. XXXX XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\nXXXX. XXXX Account XXXX : XXXX Kindly investigate and make sure this account belongs to me because I can not recognize this business. Please delete this account from my credit report. \n\n\nVIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.\n\n* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.\n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : XXXX XXXX XXXX CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX","date_sent_to_company":"2023-05-12T22:10:05.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92108","tags":null,"has_narrative":true,"complaint_id":"6970038","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-05-12T22:08:02.000Z","state":"CA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Furthermore, you have <em>failed</em> to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... <em>promptly</em> DELETE all information which can not be verified."]},"sort":[6.601702,"6970038"]},{"_index":"complaint-public-v1","_id":"7331714","_score":6.4323683,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : This is not a regular dispute. Take action immediately you are in violation. \n\nALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.\n\nNOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.\n\nYOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.\n\nIts very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.\n\n1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.\n\n2. What is a FCRA violation?\n\nCreditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.\n\n3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.\n\nReceive notification if information in my file has been used against me in applying for credit or other transactions.\n\nDisputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.\n\nRemove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).\n\nI demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.\n\nThe law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.\n\nXXXX. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX  AT XXXX XXXX. Bankruptcy : XXXX XXXX XXXX XXXX : XXXX To the best of my knowledge, this does not belong to me. Please remove it immediately from my credit file. \n\nXXXX. XXXX XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\nXXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\nXXXX. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\nXXXX. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\nXXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\nXXXX. XXXX XXXX XXXX Account Number : XXXX  This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\nXXXX. XXXX XXXX XXXX Account Number : XXXX  This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\nXXXX. XXXX XXXX XXXX XXXX XXXX. \nAccount Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. \n\nXXXX. XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. \n\nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. \n\n\n\n* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. \n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection BureauXXXX  XXXX XXXX XXXX Washington, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX","date_sent_to_company":"2023-07-31T16:10:05.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"446XX","tags":null,"has_narrative":true,"complaint_id":"7331714","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-07-31T16:10:00.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Furthermore you have <em>failed</em> to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to <em>promptly</em> DELETE all information which can not be verified."]},"sort":[6.4323683,"7331714"]},{"_index":"complaint-public-v1","_id":"7331755","_score":6.422542,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : This is not a regular dispute. Take action immediately you are in violation. \nALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.\n\nNOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.\n\nYOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.\n\nIts very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.\n\n1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.\n\n2. What is a FCRA violation?\n\nCreditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.\n\n3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.\n\nReceive notification if information in my file has been used against me in applying for credit or other transactions.\n\nDisputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.\n\nRemove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).\n\nI demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.\n\nThe law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.\n\n1. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX XX/XX/XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Bankruptcy : XXXX XXXX XXXX XXXX : XXXX To the best of my knowledge, this does not belong to me. Please remove it immediately from my credit file. \n\nXXXX. XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\nXXXXXXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\nXXXX. XXXX XXXX  XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\nXXXXXXXX XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\nXXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\nXXXX. XXXX XXXX  XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\nXXXX. XXXX XXXX  XXXX Account Number : XXXX  This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\nXXXX. XXXX XXXX XXXX  XXXX XXXX. \nAccount Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. \n\nXXXX. XXXX XXXX  Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. \n\nXXXX. XXXX XXXX XXXX  XXXX XXXX XXXX  Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. \n\n\n\n* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.\n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX","date_sent_to_company":"2023-07-31T16:09:55.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"446XX","tags":null,"has_narrative":true,"complaint_id":"7331755","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-07-31T16:05:34.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Furthermore you have <em>failed</em> to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to <em>promptly</em> DELETE all information which can not be verified."]},"sort":[6.422542,"7331755"]},{"_index":"complaint-public-v1","_id":"7330553","_score":6.422542,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : This is not a regular dispute. Take action immediately you are in violation. \n\nALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.\n\nNOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. \n\nYOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. \n\n\nIts very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.\n\n1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.\n\n2. What is a FCRA violation? \n\nCreditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.\n\n3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. \nReceive notification if information in my file has been used against me in applying for credit or other transactions. \nDisputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. \nRemove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ). \n\n\nI demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes. \n\nThe law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.\n\n1. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Bankruptcy : XXXX XXXX XXXX XXXX : XXXX To the best of my knowledge, this does not belong to me. Please remove it immediately from my credit file. \n\nXXXX. XXXX XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\nXXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\nXXXX. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\nXXXX. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\nXXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\nXXXX. XXXX XXXX XXXX Account Number : XXXX  This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\nXXXX. XXXX XXXX XXXX Account Number : XXXX  This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\nXXXX. XXXX XXXX XXXX XXXX XXXX. \nAccount Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. \n\nXXXX. XXXX XXXX  Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. \n\nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. \n\n\n\n* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. \n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX Director of Enforcement Consumer Financial Protection BureauXXXX XXXXXXXX XXXX XXXX Washington, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX","date_sent_to_company":"2023-07-31T16:10:05.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"446XX","tags":null,"has_narrative":true,"complaint_id":"7330553","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-07-31T16:10:00.000Z","state":"OH","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Furthermore you have <em>failed</em> to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to <em>promptly</em> DELETE all information which can not be verified."]},"sort":[6.422542,"7330553"]},{"_index":"complaint-public-v1","_id":"6566186","_score":6.3269253,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Experian Experian XXXX XXXX XXXX XXXX, TX XXXX Re : This is not a regular dispute. Take action immediately you are in violation. \n\nALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE XXXX FORMAT FIELDED XXXX STATEMENT ( XXXX ), MANDATED XXXX PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL XXXX ( XXXX ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND XXXX ALPHANUMERIC SOURCE CODE ( XXXX ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL. \n\nNOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. \n\nYOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. \n\n\nIts very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown. \n\n1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.\n\n2. What is a FCRA violation? \n\nCreditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. \n\n3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. \nReceive notification if information in my file has been used against me in applying for credit or other transactions. \nDisputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. \nRemove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).\n\nI demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes. \n\nThe law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. \n\n\nXXXX. XXXX BANK Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\nXXXX. XXXX XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. \n\nXXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\nXXXX. CHILD SUPPORT ENFORCEM Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. \n\nXXXX. XXXX CARD Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. \n\n\n\n* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( XXXX ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to XXXX  or any means of automated verification. \n\nFailure to respond satisfactorily within XXXX days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Consumer Financial Protection BureauXXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX","date_sent_to_company":"2023-02-13T20:07:40.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"34744","tags":null,"has_narrative":true,"complaint_id":"6566186","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-02-13T20:05:45.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["Furthermore you have <em>failed</em> to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to <em>promptly</em> DELETE all information which can not be verified."]},"sort":[6.3269253,"6566186"]},{"_index":"complaint-public-v1","_id":"9836329","_score":6.302049,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Here 's a sophisticated, creatively structured dispute letter for your scenario, crafted to disrupt automated systems like e-Oscar, while also incorporating specific legal references and relevant sections of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Experian** XXXX XXXX XXXX XXXX  TX XXXX **Subject : ** Urgent Demand for Deletion of Fraudulent Accounts Identity Theft Complaint ( In Violation of FCRA 605B and 623 ( a ) ( 6 ) ) To Whom It May Concern, I write this letter with an undeniable air of urgency, fully cognizant of the rights and protections afforded to me under the Fair Credit Reporting Act ( FCRA ) and Californias robust consumer protection laws, including but not limited to the California Consumer Credit Reporting Agencies Act ( CCCRAA ) and the California Identity Theft Statute. As a consumer, I am appalled by Experians continued disregard for the clear-cut, overwhelming evidence I have provided to substantiate the fact that fraudulent accounts were opened in my name. \n\nLet me be clear : I have followed every proper protocol. On numerous occasions, I submitted a formal FTC Identity Theft Affidavit, as stipulated by FCRA 605B ( 15 U.S.C. 1681c-2 ), which specifically mandates that credit reporting agencies must block fraudulent information from a consumer 's report upon receipt of a valid identity theft report and supporting documentation. Yet, despite this legal mandate, your organization has inexplicably denied its validity, claiming an unwillingness to accept an FTC.gov affidavit downloaded directly from the Federal Trade Commissions official website. \n\nThis blatant disregard for federal law is not only unconscionable but suggests a deliberate attempt to disregard the protections outlined under FCRA 623 ( a ) ( 6 ), which obligates furnishers to cease reporting fraudulent information once they have been notified of identity theft. Moreover, under FCRA 611 ( 15 U.S.C. 1681i ), you are obligated to conduct a reasonable investigation when a consumer disputes the accuracy of information, and the evidence provided, including my affidavit, renders any denial of this dispute a failure in your statutory duty. \n\nI submitted the following fraudulent accounts for removal : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were not initiated by me, nor have I ever authorized their existence. The mere fact that Experian has chosen to retain these entries on my report despite the submission of an FTC Identity Theft Affidavit and all necessary documentation is a gross violation of FCRA 605B ( c ) and California Civil Code 1785.16. Further compounding the issue, your failure to block or remove these accounts within the prescribed four-day period following my valid identity theft report constitutes a further breach of both federal and state law. \n\nIn addition to the legal infractions cited above, I find it necessary to address the question of discriminatory practice, as this refusal to remove fraudulent entries without a valid reason reeks of bias. Californias Unruh Civil Rights Act ( California Civil Code 51 ) prohibits discrimination in all business practices, including those of credit reporting agencies. I strongly suggest that Experian reconsider the ethical implications of their actions in light of this statute. \n\nI have also submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) under the guidance of FCRA 611 ( d ), and I am in the process of escalating this matter to the Office of the California Attorney General, as I believe Experian 's actions demonstrate a pattern of neglect and willful non-compliance.\n\nTo reiterate, I demand the immediate and complete removal of the fraudulent accounts from my Experian credit report under FCRA 605B and 611. Moreover, please confirm in writing that these accounts have been deleted, in accordance with FCRA 611 ( a ) ( 6 ). Should you require additional information, I am more than willing to provide it. However, given the extensive documentation I have already submitted, I find this request to be more than sufficient for your review. \n\nShould Experian fail to comply with these requests, I will be left with no choice but to pursue further legal remedies, including claims for damages under FCRA 616 and 617. \n\nI expect an immediate response and resolution to this matter within the statutory time limits. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX have attached the following documents for your review : California Identification XXXX XXXX Social Security XXXX XXXX XXXX XXXX ( FTC Report Number : XXXX ) Additional FTC Identity Theft ReportPrevious Complaint Filed with Experian ( Complaint Number : XXXX ) Recent pay stub showing my current address **XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Experian** XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Subject : ** Dispute of Unauthorized Accounts Due to Identity Theft Dear Experian XXXX I am writing to formally dispute the following information that appears on my Experian consumer report. I am a victim of identity theft, and I do not recognize the accounts listed below : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : ** Account number XXXX As these accounts were opened fraudulently, I request that they be removed from my credit report immediately. I have included a copy of the FTC Identity Theft Affidavit ( FTC Report Number : XXXX ), which details the identity theft I have experienced. \n\nFor identification and address verification, I am also including copies of the following documents : - My California Identification Card/Driver License - My Social Security Card - A recent pay stub showing my current address Please investigate this matter and update my credit report accordingly. I would appreciate receiving written confirmation that these accounts have been removed. If you require any additional information, please contact me at the phone number or email address listed above.\n\nThank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Formal Complaint Regarding Experian 's Mishandling of Identity Theft and Unverified Information on My Credit ReportTo Whom It May Concern, I am submitting this formal complaint against Experian for their ongoing mishandling of fraudulent accounts that have appeared on my credit report as a result of identity theft, and their refusal to properly investigate and remove unverified and erroneous information from my file. Despite following all prescribed procedures and providing ample evidence, Experian has demonstrated a pattern of negligence, disregard for federal law, and outright indifference toward my situation, which is having a significant impact on my creditworthiness.To briefly outline the situation, I became aware of fraudulent accounts appearing on my Experian credit report earlier this year. I promptly submitted all required documentation, including :","date_sent_to_company":"2024-08-17T04:21:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"937XX","tags":null,"has_narrative":true,"complaint_id":"9836329","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-17T03:44:19.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Thank you for your <em>prompt</em> attention to this matter."]},"sort":[6.302049,"9836329"]},{"_index":"complaint-public-v1","_id":"4982875","_score":6.1410704,"_source":{"product":"Checking or savings account","complaint_what_happened":"Date : XX/XX/2021 To : 5/3rd Bank Office of the President XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Ohio XXXX XXXX : XXXX XXXX XXXX XXXX Permissions granted I give ( CFPB ) full autonomy to forward a redacted copy ( minus all proper names ) of this redacted letter and redacted case on file to any all claimants that would be assessing damages, or prosecuting criminals against or at 5/3rd bank respectively. \n\nOn this note, if at any time within the next statutory 7-year period, a claimant or regulating body could find this testimony, relevant or useful to establish a pattern of intentionally unaddressed security issues, of any kind, at 5/3rd Bank, then I will be happy to testify on their behalf and without compensation. \n\nMy objective with this complaint It is objective to bring to the proper authorities within the Consumer Financial Protection Bureau a complete narrative of my experience with 5/3rd bank. I will try to capture the entire experience here in this comprehensive narrative so that any additional violations that I may fail to address can be revealed to investigators who could take corrective action. It is my feeling that there is a host of backend server and security related non-compliancy issues stemming from 5/3rd banks corporate oversight and management. \n\nWhere there is smoke.. \nI can only relay the events as they occurred and happened to me so as to help those people within the federal government who might recognize a dangerous pattern of non-compliance that could jeopardize account security and access of funds of all of 5/3rds trusting customers and not just myself. \nThis final narrative of events regarding compromised internal security measures that ultimately allowed actions to be conducted on my ATM debit card and my associated checking account that are inconsistent with financial account security protocols set f orth by federal regulations. There is evidence of cross-departmental involvement that stems from the sheer absence of automatic alerts and notifications that should have arrived to me in some way, from those various departments upon my cards deactivation, but did not.\n\nSection 47-4-402 of the Uniform Commercial Per section 47-4-402 of the Tennessee adoption of the federal Uniform Commercial Code, language has originally been intended for valid written physical paper checks that have been mistakenly or willfully dishonored by financial institutions that should have paid funds on those cashed checks but instead denied paying funds that were readily available. \n\nRelevant parts of this section that could easily bed subject to reinterpretation go as follows : 47-4-402 ( a ) Except as otherwise provided in this chapter, a payor bank wrongfully dishonors an item if it dishonors an item that is properly payable, but a bank may dishonor an item that would create an overdraft unless it has agreed to pay the overdraft. \n\n( b ) A payor bank is liable to its customer for damages proximately caused by the wrongful dishonor of an item. Liability is limited to actual damages proved and may include damages for an arrest or prosecution of the customer or other consequential damages. Whether any consequential damages are proximately caused by the wrongful dishonor is a question of fact to be determined in each case. \n\nRelevant case law XXXX XXXX XXXXXXXX My experience with 5/3rd bank ( chronologically ) : Supporting arguments for grounds for federally required independent Information Technology Compliance Audit at 5/3rd bank . \n\ni. Experienced chronic password username retrieval issues with the mobile application Apparently 5/3 had been having a chronic, ongoing, malfunctioning, backend server problem with its User Id retrieval and password reset process. I experienced this issue from the start of my account. \n\nWhen trying to retrieve my user Id, this malfunctioning backend system software would inform me that it had successfully found my user ID, after filling out a lengthy form, and that I just needed to log in with that user Id, that I dont have yet, to retrieve it. This ridiculous backend system error never was corrected. \n\nAfter 3 attempts to retrieve the User Id Wednesday night on my phone, it then either silently frozen the checking account, or locked the card and froze the account from any and all subsequent usability. Nevertheless, no notice was ever sent to me when it did this. In fact, I would find out the hard way, at midnight on the following Wednesday night ( XX/XX/2021 ) when I was stranded at a XXXX XXXX  rental lot while trying to load my locked 5/3rd bank ATM card into the XXXX and XXXX apps to get a ride home, but could not. \n\n\n\nii. Experienced serious backend meta data Zip Code issues 5/3rd bank also maybe has backend meta data inconsistencies associated with its account holders profile data and associated ATM cards. As I kept trying to get an XXXX and XXXX ride home from the XXXXXXXX XXXX  XXXX dealership, Wednesday night at XXXX, about 5 weeks ago, both XXXX and XXXX XXXX were unable to load my 5/3rd card due to inability to accept my zip code of XXXX that has been on file with my account since opening around XXXX. \n\n\n\niii. Experience lack of customer support in a situation that 5/3rd bank deliberately caused There was no reliable night or weekend phone support at all to call and resolve this. Could not reach any support the night that my card became locked. \n\n\n\n\nThe following 1, 2 and 3 events by themselves do not constitute malfeasance or even cause for inquiry, they simply run off customers. Coupled with next mentioned events though they are beginnings of an in-series blockchain of evidence that validates a burden of proof of corporate-wide, non-compliance with federal safety regulations pertaining financial security measures that all financial institutions must have in place, and continuously comply with.. \n\n[ Event 1 ] : Was never contacted before or after the initial card lock My card is locked sometime late Wednesday night or early Thursday morning with no notice given ( XX/XX/2021 ). 5/3rd also fails to communicate to the affected ( me in this case ) of this automated locking action and leaves me stranded and unable to access direly needed funds to get home. In my case, I was at a XXXXXXXX XXXX XXXX dealership at midnight with no way to pay for a XXXX or XXXX driver. I could not load either a frozen card or a card whose zip code has been miscoded on 5/3rd bank 's poorly maintained backend user account systems. \n\nSo by no fault of my own, at this point, I have a no-notice lock placed on my card due to either : A ) The atm card being rendered unusable because of internal backend server issues that 5/3rd bank has created with my zip code, or..\n\nB ) rendered unusable because 5/3rd bank has locked me out due to all the attempts to access my account and retrieve my User Id with 5/3rd bank 's broken user-id and pw retrieval system or..\n\nC ) a combination of Both A ) and B ) at the same time because of 5/3rds general big- bloated-bank culture of visibly observable lax-ness everywhere throughout the entire customer experience.\n\n[ Event 2 ] : Branch manager disconnects our phone call deliberately leaving my locked debit card in locke\nd status after previously unlocking my online account, retrieving the username, and discussing the issue of not being contacted prior to, during, or after the lock ( XX/XX/XXXX ) The following day ( Friday ), I called into the XXXX XXXX XXXX XXXX XXXX Tennessee branch to have a discussion with branch manager XXXX XXXX about being locked out of my account online and about the ATM card that would not work at the XXXX dealership XXXX which I could only concur at that time were one and the same. We finally unlock the account and retrieved my username that the broken username retrieval process in the 5/3rd application could not do. Then after finally logging back in to see my funds, we then began to discuss the inconvenience that the locked ATM card had caused me. Branch manager XXXX, tells me that 3 illegal attempts that had caused the lock. He then tells me he doesn't know why I was not contacted when my card was locked and doesn't have a means for me to talk to any individuals anywhere at the bank to ascertain what specifically prompted the hold on the card, and most importantly why I was never notified when the hold was placed. \n\nRecapping branch manager XXXX XXXX then hangs up the phone abruptly. His disconnection happens after we have : A ) just unlocked my online account and finally retrieved the user Id that the password retrieval process was unable to do. \nAnd. \n\nB ) Then had a 10-minute discussion about the locked ATM card, wherein I have pleaded with him tell me why I can not be at least transferred to someone to give me more insight as to what specifically prompted the lock on my card. \n\nAt this point, Im under the impression, that because we have finally that he has at least gone ahead and unlocked the ATM card as well, but he has deliberately not. \n\nI HAVE NO REASON TO BELIEVE THAT MY CARD IS STILL IN A LOCKED STATUS. \n\nI DO HAVE EVERY REASON TO BELIEVE THE CARD IS UNLOCKED BECAUSE a. WE RETRIEVED A USERNAME, b. UNLOCKED MY ONLINE ACCOUNT, c. JUST TALKED ABOUT DISCUSSING GETTING TO SOMEONE INTERNALLY at 5/3rd TO FIND OUT WHY I WAS NOT NOTIFIED ABOUT IT FOR 10 MINUTES.\n\nAnd it is at this point, after discussing this on the phone for 10 minutes, that he chooses to just disconnect the call. Branch manager XXXX XXXX never calls me back to inform me that I still need to unlock my card, nor does he fulfill his duties as Manager to unlock the card by : A ) either filling out ticket to initialize the process that would reach out to notify relevant parties to do so, if he can not unlock the card himself, Or..\n\nB ) just unlock the card himself from his workstation while the screen on his computer is still indicating my cards locked status. \n\nHe rather disconnects the call, goes about his marry way as a counterproductive, problem causer, who is supposed to be resolving issues like these, but deliberately does not. \n\n[ Event 3 ] : My card then is mysteriously deactivated on the Friday night of ( XX/XX/2021 ) after having discussed its locked status with XXXX branch manager XXXX XXXX earlier that day. \n\nThat night, I go out to celebrate my new job. \n\nI had just recovered from a XXXX XXXX XXXX XXXX XXXX. \n\nAnd just returned a rented moving truck and moved into an apartment in XXXX with almost no energy while still recovering. \n\nHad then become stranded at a XXXX dealership when I returned the truck, and was unable to unlock the defective 5/3rd ATM card because by bank had no night time customer service to unlock the card. \n\nB ) Had even called into the branch the next day though and seemingly resolved the issue, and thought that I did.\n\nWas even disconnected during the phone call by that branch manager, but at least I was able to get back into my account and was now under the assumption that all the issues were resolved after discussing them with that branch manager for 10 minutes.\n\nThen went to a restaurant with some family. Carrying now my seemingly unlocked ATM 5/3rd card, as an only means of payment for the dining experience. Ran up a sizable tab. Then as we are getting finished with dinner, the waiter comes back to tell me that he tried to run my card, but that it has been unfortunately \" declined 3 times in a row ''. I have turn to my invited guests to pay for the entire dinner. \n\nNext morning, I am at the XXXX XXXX XXXX branch, and I'm there 30 minutes early! I'm the first one in the building when door opens! My focus is to find out why my card is still in locked status, just after I have had a lengthy discussion with the branch manager, Mr. branch manager XXXX XXXX a day before. I decide not to talk to branch manager XXXX XXXX first, instead I want to gather intel on this continuing situation, so I go to another associate with some hopes of maybe also straightening all this out but only after I got a full explanation. And I am expecting to have a conversation about compensation for my inconvenience. \n\nShe now tells me that my card is not just locked, but that somehow it has now been deactivated. \n\nIt takes 20 minutes and multiple demands for me to speak to the general manager, who I was beginning to suspect was most likely responsible for this latest surprise. When I am finally invited into his office to get my answers he admits to me ( and others standing there ), that he actually did disconnect the phone the day before when we spoke about the locked card and did so knowing full well that my ATM debit card was still in a locked status. \n\nHe even admits and acknowledges that our discussion had been at that time about my dissatisfaction with : A ) my ATM card becoming locked and its associated inconvenience, B ) not being notified beforehand, or at least shortly thereafter when my ATM card was locked, C ) and also, with not being able to discuss with anyone other than him at 5/3rd about A ) and B ) from above as to why my ATM card was locked. \n\nThese are all admitted acknowledgements that I have brought to his attention the day before about my ATM card being locked and that I am bringing to his attention that I need fixed right then as we were speaking on the phone. I was trying to tell this Branch manager on the phone that I want to talk to a badged 5/3rd employee about this matter and not some outsourced 3rd party in a foreign country who just reads off a general, unspecific copy/pasted script, but I did not get the chance before being disconnected. \n\nKeep in mind an ATM card deactivation is very different than the card being placed on locked status. \n* An ATM card lock happens all the time with backend security automation, and they are usually but not always accompanied with automatic texts and calls notifying the affected ATM card holder ( which did not happen ), but they are ... NOT ... ATM card deactivation. \n\n* An ATM card deactivation is entirely a different thing. Deactivations involve much separate set of protocols and s.o.p.s. and is never allowed to be automated by software in any banking institution per adopted federal and state guidelines. These guidelines pertain to required communication with the card holder prior too or just after a deactivation. \n\nNow we have the 2 isolated events 1 and 3 that should not normally happen in succession and certainly not as a sequentially chained automation process [ Event 1 ] [ Event 2 ] [ Event 3 ].\n\nThese three events do not yet suggest strongly that something is amiss with backend security processes but are the precursor for general cause for concern for upcoming successive evidence exhibits. \n\n[ Exhibit A ] : No alerts are ever dispatched to me my phone about my ATM debit cards deactivation. \nI was never notified either for the lock that was placed on my ATM the 2 days prior too and most importantly after the cards deactivation. In fact, it was not until ( XX/XX/2021 ) inside the XXXX XXXX XXXX, when I found out was not only locked, but now deactivated. \n\n[ Event 1 ] [ Event 2 ] [ Event 3 ] [ Exhibit A ] [ Exhibit A ] has its own autonomous processes. It generally is initialized with a call from a call center, or many times can often precede a manual deactivation [ Event 2 ] by the person who manually deactivates the card but make no mistake [ Exhibit A ] can never be deliberately skipped all together and an institution that skipped this process would be in violation of Federal guidelines if it was.\n\nI was never notified, by any means, when the card went to deactivated status, [ Event 2 ], on Friday night ( XX/XX/2021 ). Those federally required automatic notifications, require all banking institutions to immediately contact the effected account holder by 2 of 3 means. The automated notification process that is normally triggered immediately by a card deactivation did not occur. \n\nThe mere absence of these mandatory alerts and notifications suggests some kind manual override has taken place by someone who would have had those executive privileges to do so. These three events together suggest possibly someone internal to 5/3rd backend security, most likely someone manually disabled those automatic alerts that would have informed me of my cards deactivated status. The system that automatically dispatches those notifications, if left alone, would have been sent immediately and automatically to my phone upon my cards deactivation, but were not. \n\n[ Exhibit B ] : Evidence that the ATM card automatic re-issuance system was disabled. \nThis system should have dispatched a new card immediately and automatically as well upon my card deactivation but did not.\n\nNow we have isolated events : [ Event 1 ] [ Event 2 ] [ Exhibit A ] [ Exhibit B ] Neither did this notification process contact me to confirm a correct mailing address, nor was I was never mailed a new card automatically by the backend automatic ATM debit card reissuance process.\n\nSo, whoever deactivated my ATM card [ Event 2 ] also went a step farther with disabling notifications and [ Exhibit A ] then went a step farther with [ Exhibit B ] manually disabling 5/3rd banks internal processes to reissue a new card. What these actor ( s ) dont realize is that this potentially jeopardized my life, and not just my inability to pay for something like a restaurant meal.\n\nBanking institutions reserve the right to manually deactivate any clients ATM cards that they deem necessary, and as much, and as often as they deem necessaryas long as they meet one federally mandated requirement.\n\nWhat banking institutions do not reserve a right to do, is deactivate a persons ATM card, and then also disable the means of notifying that affected cardholder about it as well. When this happens, then there is evidence of critical security violations ( not just one ) have occurred either at once or in tandem and are just cause for further inquiries be made by regulating authorities to assess the danger that these infractions may have to users. In many cases an automatically dialed person to person phone call is made prior too or in real time to the affected card holder before deactivation ever occurs if not a direct phone call from the G.M. \n\nHow did my 5/3rd ATM card get deactivated with no disclosure? \n\n[ Exhibit C ] : XXXX XXXX branch manager XXXX XXXX manually issues a new card, the next day, on behalf of the disabled ATM card automatic re-issuance system mentioned above. \n[ Exhibit C ] even occurs, the next day when I go into the XXXX XXXX branch and branch manager XXXX XXXX says, let me go ahead and send a card out to you now. \n\nNow we have isolated events : [ Event 1 ] [ Event 2 ] [ Exhibit A ] [ Exhibit B ] [ Exhibit C ] This is significant because branch manager XXXX XXXX is now manually doing what should have already been done automatically by an autonomous process but did not. \n\nAll these events and exhibits suggests at a very minimum that 5/3rd bank has such lax internal security measures that it could allow in some manner a clients card to become locked, then deactivated and without notice. Is this repeatable on a massive scale?\n\nSleepy unconcerned District Manager on the phone.\n\nWhen I brought all of this to a district managers attention a couple days later, who is over branch manager XXXX XXXX, he literally fell asleep on the phone, while I was talking to him. When he called me back generically apologizing for my overall bad experience ... he could not recall what I said in particular when I questioned him about the things I had been discussing when his phone went silent for 30 plus seconds.\n\n Multiple disconnects by XXXX. supervisors who would not transfer to the presidents office. \nAttempted to get the president office phone number to convey this whole experience for over 20 plus different calls amounting to 5 hours total of phone time and was disconnected by a supervisor each time. I had to wait to get to each one of those supervisors for over 25 minutes each time. Was finally able to hack my way in through a mortgage sales line phone number and talk to a XXXX salesperson, who was actually very helpful and even demonstrated concerned with my experience at 5/3rd.\n\nExperienced the worst of all customer service when I spoke to XXXX with my second call back into the 5/3rds Presidents office. \nThen after originally speaking to XXXX, who was also helpful, I spoke to another rep, XXXX, in what was supposed to be just a quick call back to the presidents office to just confirm a few questions about fees. XXXX appeared to be uninterested, callous, and deliberately unhelpful. I asked politely to be transferred back to XXXX, where I could pick up where I left off with XXXX and was told by XXXX that she will be taking over my case. Then XXXX with the same insincere, mono-tone told me that I would be also incurring additional fees to my 5/3rd account as well to the ones that I had already picked up from other severed auto-billing relationships due to the cards deactivation. \n\n\nAccrued fees as a result of the unnecessary deactivation Fees accrued at my apartment complex where I tried to pay a bill and assessed a {$6.00} fee and then, and a fee with the city of XXXX XXXX XXXXt where my account assessed {$35.00}. Comes to a current total of XXXX. There may be more fees. \n\n\n5/3rd Corporate Security Officer who calls me on the phone and tells me he is closing the account My account was closed by Corporate Security Officer who called me out of the blue and was not remotely concerned with hearing about any of the security concerns. He became interruptive on the call and then hung up the phone and closed the account. \n\n\n\nGood questions that the CPFB could pose to 5/3rd bank might be..\n\n1. How do locked cards pose less of a threat to the customer such that an additional security measure such as a deactivation need to be taken if it remains unaffected in locked status?\n\n2. Were the usual alert notifications that would have notified the affected card holder manually, ( or willfully ) disabled somehow in some subtle, or not so subtle, way by 5/3rd employees with executive privileges to do so.\n\n3. If a locked card was never supposed to go to deactivated status then how was it this one- time event?\n\nPut another way..\n\nIf 5/3rds legal team just copies and paste an explanation as a response to the CFPB ( or.. some future civil or criminal prosecution team that will be using this narrative as supplemental evidence of a pattern of negligence due to non-compliance ), then how is there not a potential pattern hazardous reoccurring repeatable issues at least addressed here?\n\n4. Have the concerns for account and card holder safety and notifications within the ATM card deactivation process brought forth in this complaint mostly fallen on deaf corporate ears? Or can they show proof of demonstrate measures taken to prevent no-notification deactivations from ever occurring to its customers again. \n\n\n\n\nSincerely,","date_sent_to_company":"2022-01-06T12:34:13.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"37086","tags":null,"has_narrative":true,"complaint_id":"4982875","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2021-12-07T13:35:24.000Z","state":"TN","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I can only relay the events as they occurred and happened to me so as to help those people within the federal government who might <em>recognize</em> a dangerous pattern of non-compliance that could jeopardize account <em>security</em> and access of funds of all of 5/3rds trusting customers and not just myself."]},"sort":[6.1410704,"4982875"]},{"_index":"complaint-public-v1","_id":"6502681","_score":6.0528584,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation. \n\nALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.\n\nNOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. \n\nYOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. \n\n\nIts very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown. \n\n1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves. \n\nXXXX. What is a FCRA violation? \n\nCreditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. \n\nXXXX. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. \nReceive notification if information in my file has been used against me in applying for credit or other transactions. \nDisputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. \nRemove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ). \n\n\nI demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes. \n\nThe law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. \n\n\nXXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. \n\nXXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. \n\nXXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. \n\nXXXX. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. \n\nXXXX. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\nXXXX. XXXX XXXX XXXX XXXX XXXX. \nAccount Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. \n\n\n\n* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.\n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : XXXX XXXX XXXX Divison of consumer complaints Thank You, Sincerely, XXXX XXXX","date_sent_to_company":"2023-01-29T09:33:18.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"776XX","tags":null,"has_narrative":true,"complaint_id":"6502681","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-01-29T09:28:42.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Furthermore you have <em>failed</em> to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to <em>promptly</em> DELETE all information which can not be verified."]},"sort":[6.0528584,"6502681"]},{"_index":"complaint-public-v1","_id":"6566553","_score":6.0341816,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : This is not a regular dispute. Take action immediately you are in violation. \n\nALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL. \n\nNOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. \n\nYOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. \n\n\nIts very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown. \n\n1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.\n\n2. What is a FCRA violation?\n\nCreditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. \n\n3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.\n\nReceive notification if information in my file has been used against me in applying for credit or other transactions.\n\nDisputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.\n\nRemove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ). \n\n\nI demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes. \n\nThe law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. \n\n\n1. XXXX & XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. \n\n2. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. \n\n3. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. \n\n4. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. \n\n5. XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. \n\n6. XXXX XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. \n\n7. XXXX XXXX XXXX SERVICE Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. \n\n\n\n* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. \n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX","date_sent_to_company":"2023-02-13T20:04:57.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"34744","tags":null,"has_narrative":true,"complaint_id":"6566553","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-02-13T19:54:14.000Z","state":"FL","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["Furthermore you have <em>failed</em> to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to <em>promptly</em> DELETE all information which can not be verified."]},"sort":[6.0341816,"6566553"]},{"_index":"complaint-public-v1","_id":"6566192","_score":6.028159,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Re : This is not a regular dispute. Take action immediately you are in violation. \n\nALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.\n\nNOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. \n\nYOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. \n\n\nIts very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown. \n\n1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.\n\n2. What is a FCRA violation?\n\nCreditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.\n\n3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.\n\nReceive notification if information in my file has been used against me in applying for credit or other transactions.\n\nDisputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.\n\nRemove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ). \n\n\nI demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes. \n\nThe law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. \n\n\n1. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. \n\n2. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. \n\n3. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. \n\n4. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. \n\n5. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. \n\n6. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. \n\n7. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\n8. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\n9. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\n10. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. \n\n11. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. \n\n\n\n* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.\n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX","date_sent_to_company":"2023-02-13T20:05:10.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"34744","tags":null,"has_narrative":true,"complaint_id":"6566192","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-02-13T19:40:25.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["Furthermore you have <em>failed</em> to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to <em>promptly</em> DELETE all information which can not be verified."]},"sort":[6.028159,"6566192"]},{"_index":"complaint-public-v1","_id":"6502682","_score":6.028159,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : This is not a regular dispute. Take action immediately you are in violation. \n\nALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND XXXX EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE XXXX FORMAT FIELDED XXXX STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND XXXX ALPHANUMERIC SOURCE CODE ( XXXX ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, XXXX. \n\nNOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. \n\nYOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. \n\n\nIts very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown. \n\n1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves. \n\n2. What is a FCRA violation?\n\nCreditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. \n\nXXXX. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. \nReceive notification if information in my file has been used against me in applying for credit or other transactions. \nDisputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.\n\nRemove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ). \n\n\nI demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes. \n\nThe law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. \n\n\nXXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX HIGHWAY XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Usa Date of inquiry : XXXX  Inquiries have reached the statute of limitation. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries have reached the statute of limitation. \n\nXXXX. XXXX XXXX XXXX AR Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. \n\nXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. \n\nXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXXXXXXXXXXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. \n\n\n\n* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. \n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : State Regulatory agency CC : XXXX Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX","date_sent_to_company":"2023-01-29T09:33:12.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"776XX","tags":null,"has_narrative":true,"complaint_id":"6502682","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-01-29T09:27:43.000Z","state":"TX","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I do not consent to e-Oscar or any means of <em>automated</em> verification."]},"sort":[6.028159,"6502682"]},{"_index":"complaint-public-v1","_id":"6970045","_score":5.7977037,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.\n\nPlease accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.\n\nYOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.\n\nIts very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.\n\n1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.\n\n2. What is a FCRA violation?\n\nCreditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.\n\n3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.\n\nReceive notification if information in my file has been used against me in applying for credit or other transactions.\n\nDisputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.\n\nRemove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).\n\nI demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.\n\nThe law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. \n\nXXXXXXXX XXXX XXXXXXXX Account Number : XXXX To the best of my knowledge this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately. \n\nXXXX. XXXX XXXX  Account Number : XXXX To the best of my knowledge this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately. \n\nXXXX. XXXX XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\nXXXX. XXXX Account XXXX : XXXX Kindly investigate and make sure this account belongs to me because I can not recognize this business. Please delete this account from my credit report. \n\nXXXX. The following personal information is incorrect DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. \n\nXXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized CREDITONEBK Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\n\nVIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.\n\n* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.\n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection BureauXXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : XXXX XXXX XXXX CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX","date_sent_to_company":"2023-05-12T22:05:12.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92108","tags":null,"has_narrative":true,"complaint_id":"6970045","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-05-12T22:02:37.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Furthermore, you have <em>failed</em> to provide the method of verification as required under Section 611 ( a ) ( 7 ). 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