{"took":157,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":64,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2316376","_score":25.488636,"_source":{"product":"Payday loan","complaint_what_happened":"I was contacted by a collection agency on a pay day loan. A man named XXXX said I owed on a pay day loan and he was a mediator hired to resolve the debt before charges were filed against me for check fraud. I asked for verification to be sent to me he said all he could do was email me his information. He would email and I needed to call back by XXXX the next day. I explained I needed more information. I received an email with no information on the company I owed the debt to only that it was from XX/XX/2010. I researched the number on line and found numerous complaint so I did not call back. The next day my husband started receiving phone calls threatening criminal charges against me for check fruad. He told XXXX he knew nothing about the debt and he would give me the message. I then received a call from my daughter as this XXXX person called her 3 times saying I was being served a court summons for check fruad and to tell me to contact a lawyer. Day 3 XXXX called my daughter again left a voice mail with my date of birth, last 4 numbers of my social security number and that I was being served a court summons at work Monday for criminal check fruad. Also stated not to return call he was sending the information to XXXX County Court House immediately. I have saved the voice mail as proof of this violation of my personal confidential information that is being carelessly left on voice mail that clearly states is not my phone. This agency is harassing my family members stating I committed fruad and need to contact a lawyer to exspect a court summons. These call are coming multiple times throughout the day. \nThe number the calls are coming from is XXXX","date_sent_to_company":"2017-02-02T15:26:14.000Z","issue":"Can't contact lender","sub_product":null,"zip_code":"03867","tags":null,"has_narrative":true,"complaint_id":"2316376","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Meridian ARG Inc.","date_received":"2017-01-28T18:07:52.000Z","state":"NH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I then received a call from my daughter as this XXXX person called her 3 times saying I was <em>being</em> <em>served</em> a <em>court</em> <em>summons</em> for check fruad and to tell me to contact a lawyer. Day 3 XXXX called my daughter again left a voice mail with my date of birth, last 4 numbers of my social <em>security</em> number and that I was <em>being</em> <em>served</em> a <em>court</em> <em>summons</em> at work Monday for criminal check fruad. Also stated not to return call he was sending the information to XXXX County <em>Court</em> House immediately."]},"sort":[25.488636,"2316376"]},{"_index":"complaint-public-v1","_id":"1619002","_score":23.58069,"_source":{"product":"Debt collection","complaint_what_happened":"debt is not on my credit report they are saying that I will be served or I missed the sheriff who came with the summons! or they sent me a letter ( which I never received XXXX they give me my social security number and my current address XXXX scary ) They told me they could only give me my pay off opts so I could settle the debt asap! They will not give me the court or anything else since I am being sued! The is the XXXX time they have call in in the last year and gave me the same story. They are getting more risky they gave me a address this time but I looked it up and I still cant find information about them!","date_sent_to_company":"2015-10-21T20:39:43.000Z","issue":"Taking/threatening an illegal action","sub_product":"Credit card","zip_code":"28212","tags":null,"has_narrative":true,"complaint_id":"1619002","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2015-10-21T20:39:43.000Z","state":"MI","company_public_response":null,"sub_issue":"Threatened to sue on too old debt"},"highlight":{"complaint_what_happened":["debt is not on my credit report they are saying that I will be <em>served</em> or I missed the sheriff who came with the <em>summons</em>! or they sent me a letter ( which I never received XXXX they give me my social <em>security</em> number and my current address XXXX scary ) They told me they could only give me my pay off opts so I could settle the debt asap! They will not give me the <em>court</em> or anything else since I am <em>being</em> sued! The is the XXXX time they have call in in the last year and gave me the same story."]},"sort":[23.58069,"1619002"]},{"_index":"complaint-public-v1","_id":"5577323","_score":22.883677,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I was scammed and transferred approximately {$130000.00} into a Charles Schwab account. I tried to contact the fraud department and did not receive any help. I have since retained an attorney and issued a summons against XXXX XXXX as well as a judgment against Schwab to track the funds. XXXX XXXX is still actively trading with a Schwab account. See below information. \n\nFiling XXXX SUMMONS Returned Executed by XXXX XXXX. XXXX XXXX XXXX XXXX served on XX/XX/2021, answer due XX/XX/2021. ( XXXX, XXXX ) Filing XXXX CASE REFERRED TO ARBITRATION. This case has been designated to participate in the Court Annexed Arbitration Program pursuant to Local Civil Rule XXXX. \nThe Rule requires the Clerk of Court to designate and process for compulsory arbitration \" all civil cases ( excluding social security cases, tax matters, prisoners ' civil rights cases, and any action based on an alleged violation of a right secured by the Constitution of the United States or if jurisdiction is based in whole or in part on Title 28 U.S.C. sec. 1343 ) wherein money damages only are being sought in an amount not in excess of {$150000.00} exclusive of interest and costs. '' Damages are presumed not to be in excess of the arbitration limit unless a certification is filed in accordance with Local Civil Rule XXXX. An Arbitration Hearing will be scheduled after an Answer is filed. \n( XXXX, XXXX ) Modified on XX/XX/2021 ( XXXX, XXXX ). \n\nFiling XXXX Summons Issued as to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. \n( XXXX, XXXX XXXX","date_sent_to_company":"2022-05-19T02:04:54.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"11801","tags":null,"has_narrative":true,"complaint_id":"5577323","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CHARLES SCHWAB CORPORATION, THE","date_received":"2022-05-19T01:53:12.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The Rule requires the Clerk of <em>Court</em> to designate and process for compulsory arbitration \" all civil cases ( excluding social <em>security</em> cases, tax matters, prisoners ' civil rights cases, and any action based on an alleged violation of a right secured by the Constitution of the United States or if jurisdiction is based in whole or in part on Title 28 U.S.C. sec. 1343 ) wherein money damages only are <em>being</em> sought in an amount not in excess of {$150000.00} exclusive of interest and costs. '' Damages"]},"sort":[22.883677,"5577323"]},{"_index":"complaint-public-v1","_id":"2061976","_score":22.288689,"_source":{"product":"Debt collection","complaint_what_happened":"I had man knocked on my door. My husband answers the door. He asked if I was home XXXX XXXX. Then he tried to serve me with some paper 's. I told him to leave are property. He then left got in to his truck. We later notice he left papers on are porch. We looked at them. It was a summons that XXXX was being sued for debt .by a dept collected. The debt collector bought it from fingerhut. We told the judge did not owe the amount. So the judge set another court date. We did not get any notification when the next court date was. So the collection agency got the judgement. I made arrangements make payments even this I did n't owe the amount. To pay a amount agreed upon. Midland funding llc would not except any payment but a higher amount. Which Midland finding was setting me up. Latter they got a garnish order and tried to garnish my husband social security. Which is against the law.","date_sent_to_company":"2016-08-15T21:13:50.000Z","issue":"Taking/threatening an illegal action","sub_product":"Other (i.e. phone, health club, etc.)","zip_code":"647XX","tags":null,"has_narrative":true,"complaint_id":"2061976","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2016-08-12T16:40:22.000Z","state":"MO","company_public_response":null,"sub_issue":"Sued w/o proper notification of suit"},"highlight":{"complaint_what_happened":["Then he tried to <em>serve</em> me with some paper 's. I told him to leave are property. He then left got in to his truck. We later notice he left papers on are porch. We looked at them. It was a <em>summons</em> that XXXX was <em>being</em> sued for debt .by a dept collected. The debt collector bought it from fingerhut. We told the judge did not owe the amount. So the judge set another <em>court</em> date. We did not get any notification when the next <em>court</em> date was. So the collection agency got the judgement."]},"sort":[22.288689,"2061976"]},{"_index":"complaint-public-v1","_id":"3966065","_score":21.819698,"_source":{"product":"Debt collection","complaint_what_happened":"on XX/XX/XXXX my mom in NY was contacted from a California Phone number XXXX in regards to a court summons Iawsuit for me. I called the the number and was told I was being sued on an old bank account. I had 2 choices, to pay them over {$3000.00} for the amount owed to the bank and their lawyer fees. I called the bank and they said that the account was overdrawn by {$80.00} and was sent to collections, the company went out of business and the debt was settled. I was currently in good standing with the bank. The account was settled in XXXX. I called the county clerks office and there are no pending lawsuits against me. This company XXXX XXXX doesn't exist anywhere, and they have my social security number which is very concerning. I was able to get a payment agreement document which I didn't sign as proof. \n\nWhen asked about the debt in question they stated I'd have to go to court to get any proof of the debt. When I asked why I wasn't served in person, they said because of COVID, they weren't going door to door.","date_sent_to_company":"2020-12-03T13:00:06.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"152XX","tags":null,"has_narrative":true,"complaint_id":"3966065","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2020-11-20T15:27:49.000Z","state":"PA","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["This company XXXX XXXX doesn't exist anywhere, and they have my social <em>security</em> number which is very concerning. I was able to get a payment agreement document which I didn't sign as proof. \n\nWhen asked about the debt in question they stated I'd have to go to <em>court</em> to get any proof of the debt. When I asked why I wasn't <em>served</em> in person, they said because of COVID, they weren't going door to door."]},"sort":[21.819698,"3966065"]},{"_index":"complaint-public-v1","_id":"2044638","_score":21.113894,"_source":{"product":"Debt collection","complaint_what_happened":"This company has garnished my bank account for a Capital One account that does not belong to me and viewing all of the other various other complaints against this company, I am not the first person that they have done this to. My first phone call was to my bank and they advised me to contact the court house which I did. When I gave the court house the Case number associated on the paperwork I received from my bank she advised that the case was named to someone with a similar name to mine, but not in my name. She also advised that the case was from 2007 and that the summons for the court case was not ever served to anyone and she could not explain how that happened and could not offer any additional information and advised me to contact the attorney handling the case. I contacted the attorney and spoke to a representative that could not provide any information other than to set up a payment arrangement on an account that was not mine which is absurd! I asked her for the process servers name and telephone number so that I can get the information on who and when this summons was served and she advised that she did not have that information and transferred me to an actual attorney by the name of XXXX XXXX ( who is not the attorney listed on the paperwork I received from my bank. ) He could not find my account in their system whatsoever. He listed addresses and last XXXX of social security numbers asking if they were mine but none of them were ( the name on the paperwork is not my name and this account does not show up on my credit report either but somehow it is being garnished from my bank account. ) XXXX XXXX could not offer any help at all because he could not even find the account with their file number that was listed on the paperwork. He asked me to scan and email the paperwork that I received from the bank to him which would not be a problem except for the fact that I do not have access to a scanner and my only bank account is overdrawn and my bank said that they can not release the funds until they receive a release from the attorney 's office ( that apparently ca n't find the account. ) Meanwhile, I am being charged with late fees, overdraft fees and have NO money and no one can assist in resolving this. I have already filed a complaint with the XXXX so my next step is to contact the MI Attorney General along with getting an attorney referral in my area for someone that specializes in these types of twilight scenarios!","date_sent_to_company":"2016-08-03T16:58:08.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"I do not know","zip_code":"49508","tags":null,"has_narrative":true,"complaint_id":"2044638","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2016-08-03T16:58:07.000Z","state":"MI","company_public_response":null,"sub_issue":"Debt is not mine"},"highlight":{"complaint_what_happened":["She also advised that the case was from 2007 and that the <em>summons</em> for the <em>court</em> case was not ever <em>served</em> to anyone and she could not explain how that happened and could not offer any additional information and advised me to contact the attorney handling the case. I contacted the attorney and spoke to a representative that could not provide any information other than to set up a payment arrangement on an account that was not mine which is absurd!"]},"sort":[21.113894,"2044638"]},{"_index":"complaint-public-v1","_id":"2044748","_score":21.073229,"_source":{"product":"Debt collection","complaint_what_happened":"This company has garnished my bank account for a XXXX XXXX account that does not belong to me and viewing all of the other various other complaints against this company, I am not the first person that they have done this to. My first phone call was to my bank and they advised me to contact the court house which I did. When I gave the court house the Case number associated on the paperwork I received from my bank she advised that the case was named to someone with a similar name to mine, but not in my name. She also advised that the case was from 2007 and that the summons for the court case was not ever served to anyone and she could not explain how that happened and could not offer any additional information and advised me to contact the attorney handling the case. I contacted the attorney and spoke to a representative that could not provide any information other than to set up a payment arrangement on an account that was not mine which is absurd! I asked her for the process servers name and telephone number so that I can get the information on who and when this summons was served and she advised that she did not have that information and transferred me to an actual attorney by the name of XXXX XXXX ( who is not the attorney listed on the paperwork I received from my bank. ) He could not find my account in their system whatsoever. He listed addresses and last 4 of social security numbers asking if they were mine but none of them were ( the name on the paperwork is not my name and this account does not show up on my credit report either but somehow it is being garnished from my bank account. ) XXXX XXXX could not offer any help at all because he could not even find the account with their file number that was listed on the paperwork. He asked me to scan and email the paperwork that I received from the bank to him which would not be a problem except for the fact that I do not have access to a scanner and my only bank account is overdrawn and my bank said that they can not release the funds until they receive a release from the attorney 's office ( that apparently ca n't find the account. ) Meanwhile, I am being charged with late fees, overdraft fees and have NO money and no one can assist in resolving this. I have already filed a complaint with the XXXX so my next step is to contact the MI XXXX along with getting an attorney referral in my area for someone that specializes in these types of twilight scenarios!","date_sent_to_company":"2016-08-05T16:38:47.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"I do not know","zip_code":"49508","tags":null,"has_narrative":true,"complaint_id":"2044748","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rausch, Sturm, Israel, Enerson & Hornik, LLP","date_received":"2016-08-03T16:58:06.000Z","state":"MI","company_public_response":null,"sub_issue":"Debt is not mine"},"highlight":{"complaint_what_happened":["She also advised that the case was from 2007 and that the <em>summons</em> for the <em>court</em> case was not ever <em>served</em> to anyone and she could not explain how that happened and could not offer any additional information and advised me to contact the attorney handling the case. I contacted the attorney and spoke to a representative that could not provide any information other than to set up a payment arrangement on an account that was not mine which is absurd!"]},"sort":[21.073229,"2044748"]},{"_index":"complaint-public-v1","_id":"3943041","_score":20.98478,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/2020, the Director of my employer asked to see me. When I went to her office, she handed me two pages that informed me that my wages will be garnished on XX/XX/2020. The Continuing of Garnishment was from Strenger & Strenger regarding a judgment against me for a XX/XX/XXXX XXXX credit card debt in the amount of $XX/XX/XXXX.The address on the summons for me is an old address where I was residing in a private safe home. The day I initially met with the Director, I informed that this amount would cause me great hardship if taken out of one paycheck. I later sent the Director an email regarding Georgia 's law pertaining to income garnishment limits. I was then mailed the entire summons and learned this information was included in the summons. On XX/XX/2020 my Director asked to see me again and stated she drew up a draft of the payments that would be deducted out of each pay period until the debt was paid. I informed her that I am unsure of the validity of the debt and would like to complete a claim form to the XXXX court to obtain a court date. Unfortunately, she informed she would have the deduct a payment of {$320.00} beginning XX/XX/2020 which offers me no time before I can dispute. I have repeatedly attempted to call the number on the claim form for Strenger and Strenger however no one answers the phone even after you hold on forever. I don't understand their tactics. I have received numerous harassing phone calls from the collection agency and because I will not disclose my social security number to me they will not discuss what it is pertaining to. Regardless of the number of times for months and months and several times daily ; I have asked them to stop calling me and to have me removed from their call log. They continue to call. \nHow is it they are able to receive a judgment without being served? How can my wages be garnished when I have no proof of the amount or even if this debt is valid? \nLast year another lady living in the building called me and informed me that a man showed up to the door stating he had a Christmas delivery for me ; she told him that I was not there but she would give it to me. When she saw that it was paper, she stated she immediately closed the door and never took any papers. She stated the man had spooked her when he began asking her a lot of questions. I was nervous about this because I believed at the time it was something from my ex trying to locate me. Nonetheless, I was never served. I have tried to contact this law firm with the last time being on XX/XX/2020. Now my wages will be garnished without any time to investigate this debt. Now that I am attempting to contact the number on the summons ; they do not answer. How is this legal?","date_sent_to_company":"2020-11-08T17:53:04.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"3943041","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Stenger & Stenger, P.C","date_received":"2020-11-08T16:57:46.000Z","state":"GA","company_public_response":null,"sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["Nonetheless, I was never <em>served</em>. I have tried to contact this law firm with the last time <em>being</em> on XX/XX/2020. Now my wages will be garnished without any time to investigate this debt. Now that I am attempting to contact the number on the <em>summons</em> ; they do not answer. How is this legal?"]},"sort":[20.98478,"3943041"]},{"_index":"complaint-public-v1","_id":"6246680","_score":20.780972,"_source":{"product":"Debt collection","complaint_what_happened":"I was served a summons today to be sued from Automated Accounts, XXXX XXXX XXXX. I had a credit repair company I had been working with to help repair my debts owed and this company would not participate. I tried and I am now being sued with my XXXX in XXXX   and not being able to work, my health is poor and I am now becoming more stressed as I had tried to eliminate a debt the best I could. I live on XXXX  social security and XXXX I have a hardship case at this point in my life and the amount is {$8200.00} and {$210.00} interest. I need help to resolve this, I turned the car back to XXXX XXXX XXXX XXXX in XXXX. I couldn't work anymore and had to give the car back due to my health issue that have exacerbated through all this harassment, especially after not working with the credit repair people, XXXX XXXX XXXX who was working with my accounts owed and now suing me for attorney fees etc. please help me. This is the district court in XXXX  wa, sincerely","date_sent_to_company":"2022-11-26T21:39:31.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Auto debt","zip_code":"990XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"6246680","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Automated Accounts, Inc.","date_received":"2022-11-26T21:01:44.000Z","state":"WA","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["I was <em>served</em> a <em>summons</em> today to be sued from Automated Accounts, XXXX XXXX XXXX. I had a credit repair company I had been working with to help repair my debts owed and this company would not participate. I tried and I am now <em>being</em> sued with my XXXX in XXXX   and not <em>being</em> able to work, my health is poor and I am now becoming more stressed as I had tried to eliminate a debt the best I could."]},"sort":[20.780972,"6246680"]},{"_index":"complaint-public-v1","_id":"20018995","_score":19.5847,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"To Whom It May Concern, I am writing regarding the judgment entered in the matter of Ally Bank vs. XXXX XXXX XXXX. \n\nFirst, I must state that I was never properly served with a summons, complaint, or notice of any court date related to this matter. The court records themselves reflect that multiple different addresses were used in attempts to serve me, several of which were not my residence at the time. Because of this, I never received proper notice of the proceedings and was deprived of the opportunity to appear and defend myself. \n\nDue to the lack of proper service, I will be filing a Motion to Set Aside the judgment pursuant to Rule 60 ( b ) of the North Carolina Rules of Civil Procedure. \n\nAdditionally, the addresses used in your records raise serious concerns. The address referenced in your documentation is not the address that was on file for the vehicle associated with this loan, and it was not my residence. This raises the issue that my personal identifying information, including my Social Security number, may have been used to obtain or access information without proper verification. \n\nIf information related to this account was obtained, used, or reported using incorrect address information tied to my Social Security number, this may constitute violations under : The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) for reporting inaccurate or unverified information.\n\nThe Fair Debt Collection Practices Act ( 15 U.S.C. 1692e and 1692f ) for attempting to collect a debt using misleading or inaccurate representations.\n\nNorth Carolina Unfair and Deceptive Trade Practices Act ( N.C. Gen. Stat. 75-1.1 ) for unfair or deceptive conduct in the collection of a consumer debt. \n\nFurthermore, I have requested multiple times ( three or more requests ) that documentation be provided showing the disposition of the vehicle, including : The bill of sale for the vehicle The auction company or location where the vehicle was sold The date of sale or auction The sale price and accounting of how the proceeds were applied to the alleged balance These documents have not been provided. Creditors are required to maintain and produce documentation showing how repossessed collateral was disposed of and how the proceeds were applied to the remaining balance. \n\nIf the vehicle was sold while court proceedings were ongoing and while it was being represented that I remained in possession of the vehicle, this raises additional procedural and legal concerns. \n\nPlease consider this a formal request for the above documentation. If the requested information is not provided, these issues will be raised before the Court as part of my Motion to Set Aside the judgment and any additional legal remedies available to","date_sent_to_company":"2026-03-05T22:39:47.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"27701","tags":null,"has_narrative":true,"complaint_id":"20018995","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2026-03-05T22:30:15.000Z","state":"NC","company_public_response":null,"sub_issue":"Loan balance remaining after the vehicle is repossessed and sold"},"highlight":{"complaint_what_happened":["First, I must state that I was never properly <em>served</em> with a <em>summons</em>, complaint, or notice of any <em>court</em> date related to this matter. The <em>court</em> records themselves reflect that multiple different addresses were used in attempts to <em>serve</em> me, several of which were not my residence at the time. Because of this, I never received proper notice of the proceedings and was deprived of the opportunity to appear and defend myself."]},"sort":[19.5847,"20018995"]},{"_index":"complaint-public-v1","_id":"12382859","_score":19.463774,"_source":{"product":"Debt collection","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am filing this formal complaint regarding Gurstel Law Firms violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws. Gurstel Law Firm disclosed my personal financial information to a third party whom I did not authorize to act on my behalf. Their failure to contact me directly before filing a lawsuit has caused unnecessary distress and confusion. \n\nSummary of Events XXXX. Initial Debt Information The original debt was with XXXX XXXX. I was unaware that this debt had been transferred to Gurstel Law Firm for collection. \nXXXX. Unauthorized Disclosure of Financial Information Without my knowledge or consent, Gurstel Law Firm disclosed my personal financial details to a third-party debt collection company that I had no relationship with and never authorized to act on my behalf. \nGurstel failed to verify the legitimacy of this third party before sharing my private financial information. \nXXXX. Lack of XXXX XXXX Gurstel Law Firm never contacted me directly regarding this debt. The first notice I received was a summons served at my home, notifying me of a pending lawsuit. \nThis was the first time I became aware of any collection attempt by Gurstel Law Firm, as they relied solely on communications with the unauthorized third party. \nXXXX. Failure to XXXX FDCPA XXXX XXXX the FDCPA, debt XXXX are required to make direct contact with the debtor and provide a written notice of the debt within XXXX days of their initial communication. Gurstel Law Firm failed to provide this required notice. \n\nImpact on Me As a result of Gurstel Law Firms actions : I was unaware of the lawsuit until I was served a court summons, causing considerable stress and confusion. \nI have spent significant time and resources attempting to address this issue. \nThe unauthorized disclosure of my financial information has caused me great concern regarding my privacy and financial security. \nMy XXXX XXXX has suffered significant harm, which I now realize was due to this unresolved debt being improperly reported. This has created ongoing financial challenges.","date_sent_to_company":"2025-03-08T04:39:01.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"Credit card debt","zip_code":"68516","tags":null,"has_narrative":true,"complaint_id":"12382859","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Gurstel Law Firm, P.C.","date_received":"2025-03-08T04:19:46.000Z","state":"NE","company_public_response":null,"sub_issue":"Talked to a third-party about your debt"},"highlight":{"complaint_what_happened":["Impact on Me As a result of Gurstel Law Firms actions : I was unaware of the lawsuit until I was <em>served</em> a <em>court</em> <em>summons</em>, causing considerable stress and confusion. \nI have spent significant time and resources attempting to address this issue. \nThe unauthorized disclosure of my financial information has caused me great concern regarding my privacy and financial <em>security</em>. \nMy XXXX XXXX has suffered significant harm, which I now realize was due to this unresolved debt <em>being</em> improperly reported."]},"sort":[19.463774,"12382859"]},{"_index":"complaint-public-v1","_id":"6497028","_score":18.05801,"_source":{"product":"Debt collection","complaint_what_happened":"I was served by Second Round LLC on XX/XX/XXXX about a debt that I didn't recognize. The document included a Bill of Sale to Second Round Sub LLC that said it was effective as of XX/XX/XXXX ( but wasn't signed until XX/XX/XXXX ). The description of the portfolio or package was redacted on the document I received. It also did not include who the Seller was, except for a signature that noted his title was XXXX. \nThis was for a XXXX debt evidently, and the last payment listed was XX/XX/XXXX. I also have a date of XX/XX/XXXX for \" Charge Off Account - Principals '' and \" Charge Off Account \" Finance Charges. '' I was able to find all of my previous XXXX charges, and I can't find these payments listed. Also, my XXXX credit account has been closed so I can't verify if the account number belongs to me. \nAlso, XXXX still has my maiden name because I've had issues updating it, but these records have my married name. \nWhen I first received the summons, I responded on XX/XX/XXXX with an answer. I never heard anything back after this answer until yesterday, when I got a court date for XX/XX/XXXX. \nI called Second Round back when I was first served and they didn't have a record of me that corresponded to my social security number or date of birth, so they said it was probably sent to the wrong person. Then after I received the court date, I called them again and they gave me the same information but also that my address was listed for them. They gave me a number for XXXX XXXX XXXX. I wrote them a contact note and have tried calling multiple times ( I left XXXX voicemail ) but I get sent straight to voicemail every time. \nThey also included a Status Report Pursuant to Servicemembers Civil Relief Act, which has my first and last ( married ) name but the last XXXX of the XXXX and the XXXX are redacted. When I tried to call the XXXX 's contact number to ask them to look up the certificate ID, I got a busy line every time. \nI have no way to truly verify if this debt belongs to me, but I am still being summoned in court after a year and a half of silence in regards to my answer.","date_sent_to_company":"2023-01-27T15:40:34.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"74804","tags":null,"has_narrative":true,"complaint_id":"6497028","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Second Round Limited Partnership, Austin, TX Branch","date_received":"2023-01-27T14:37:25.000Z","state":"OK","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["When I first received the <em>summons</em>, I responded on XX/XX/XXXX with an answer. I never heard anything back after this answer until yesterday, when I got a <em>court</em> date for XX/XX/XXXX. \nI called Second Round back when I was first <em>served</em> and they didn't have a record of me that corresponded to my social <em>security</em> number or date of birth, so they said it was probably sent to the wrong person."]},"sort":[18.05801,"6497028"]},{"_index":"complaint-public-v1","_id":"3158148","_score":17.242664,"_source":{"product":"Debt collection","complaint_what_happened":"The company name is XXXX XXXX XXXX, XXXX This company has harrassed me for over 2 years now, through repeated phone calls back to back, through the mail every month and even having the local Sherriff department come to my house 3 times. They have already started leaving voice messages on my son 's phone, and even after I block their number they will use a different number to get through to my phone.\n\nWhen I was able to work full time I paid my bills on time, but when I got hurt on the job and was not able to return my bills have been piling up. When this company continued to harass me, the last visit that I got from the Sherriff office the officer advised me to just contact them and explain my situation. So I did and with me having XXXX and XXXX to which I take medication, I called XXXX XXXX. The guy over the phone told me that this debt was not going away and that I needed to set some type of payment arrangement up to avoid further court procedures. I explained that I only received Social Security XXXX and struggle to keep the rest of my bills paid. He took my prepaid debit card information and had me set up withdrawals from my Social Security XXXX check. \nAfter a few withdraws from my Social Security check, I had to stop the automatic withdrawals because it was either pay my electric, water, auto insurance, and other bills or do without these needed services. \nOn my credit report, I noticed that not only is XXXX who is the original company that I owed the debt was impacting my credit and asking for payment. XXXX XXXX is also on my credit report with the same amount owing to them as well. Both XXXX and XXXX XXXX have put late payment status and amount still due on my credit reports. XXXX XXXX has continued to harass me since XX/XX/XXXX, through letters in the mail, and civil summons being served to me 3 times and repeated phone calls. \nOn XX/XX/XXXX, I received another civil summons from XXXX XXXX, I called and spoke to a lady over the phone and she immediately tried to get me to give her all my personal information. I explained to her that if she could please note my account that I can not pay this debt because I only receive Social Security XXXX and that even though they continue to have the Sherriff come to my house, I still can not pay this debt. \n\nI have a long call list on my phone as well, but I don't know how to get this information to you. I will reach out to the prepaid debit card company for my history of transactions, that will show when XXXX XXXX started automatic withdrawals on my account and when I had it stopped.","date_sent_to_company":"2019-02-21T15:57:15.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"40031","tags":"Servicemember","has_narrative":true,"complaint_id":"3158148","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2019-02-20T15:44:12.000Z","state":"KY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Collected or attempted to collect exempt funds"},"highlight":{"complaint_what_happened":["XXXX XXXX has continued to harass me since XX/XX/XXXX, through letters in the mail, and civil <em>summons</em> <em>being</em> <em>served</em> to me 3 times and repeated phone calls. \nOn XX/XX/XXXX, I received another civil <em>summons</em> from XXXX XXXX, I called and spoke to a lady over the phone and she immediately tried to get me to give her all my personal information."]},"sort":[17.242664,"3158148"]},{"_index":"complaint-public-v1","_id":"3156788","_score":17.229296,"_source":{"product":"Debt collection","complaint_what_happened":"The company name is Portfolio Recovery Associates, LLC This company has harrassed me for over 2 years now, through repeated phone calls back to back, through the mail every month and even having the local XXXX department come to my house 3 times. They have already started leaving voice messages on my son 's phone, and even after I block their number they will use a different number to get through to my phone. \n\nWhen I was able to work full time I paid my bills on time, but when I got hurt on the job and was not able to return my bills have been piling up. When this company continued to harass me, the last visit that I got from the Sherriff office the officer advised me to just contact them and explain my situation. So I did and with me having XXXX and XXXX to which I take medication, I called Portfolio Recovery. The guy over the phone told me that this debt was not going away and that I needed to set some type of payment arrangement up to avoid further court procedures. I explained that I only received Social Security XXXX and struggle to keep the rest of my bills paid. He took my prepaid debit card information and had me set up withdrawals from my Social Security XXXX check. \nAfter a few withdraws from my Social Security check, I had to stop the automatic withdrawals because it was either pay my electric, water, auto insurance, and other bills or do without these needed services. \nOn my credit report, I noticed that not only is XXXX who is the original company that I owed the debt was impacting my credit and asking for payment. Portfolio Recovery is also on my credit report with the same amount owing to them as well. Both XXXX and Portfolio Recovery have put late payment status and amount still due on my credit reports. Portfolio Recovery has continued to harass me since XX/XX/XXXX, through letters in the mail, and civil summons being served to me 3 times and repeated phone calls. \nOn XX/XX/XXXX, I received another civil summons from Portfolio Recovery, I called and spoke to a lady over the phone and she immediately tried to get me to give her all my personal information. I explained to her that if she could please note my account that I can not pay this debt because I only receive Social Security XXXX and that even though they continue to have the Sherriff come to my house, I still can not pay this debt. \n\nI have a long call list on my phone as well, but I don't know how to get this information to you. I will reach out to the prepaid debit card company for my history of transactions, that will show when Portfolio Recovery started automatic withdrawals on my account and when I had it stopped.","date_sent_to_company":"2019-02-27T17:07:29.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"40031","tags":"Servicemember","has_narrative":true,"complaint_id":"3156788","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2019-02-20T14:39:41.000Z","state":"KY","company_public_response":null,"sub_issue":"Collected or attempted to collect exempt funds"},"highlight":{"complaint_what_happened":["Portfolio Recovery has continued to harass me since XX/XX/XXXX, through letters in the mail, and civil <em>summons</em> <em>being</em> <em>served</em> to me 3 times and repeated phone calls. \nOn XX/XX/XXXX, I received another civil <em>summons</em> from Portfolio Recovery, I called and spoke to a lady over the phone and she immediately tried to get me to give her all my personal information."]},"sort":[17.229296,"3156788"]},{"_index":"complaint-public-v1","_id":"2839227","_score":16.967762,"_source":{"product":"Debt collection","complaint_what_happened":"Partial sample letter sent to first Judge. I'm a 100 % service connected veteran with no assets. They look up my dads info and assume its me. I still Have a court appearance on XX/XX/XXXX. They don't have an original contract that they will let me see. They purchased the debt as a bulk purchase and informed me at mediation that the debt was a continuation of the original contract. That contract would have the terms in it that would allow them to purchase the debt or hire a representative on the original company 's behalf. It would also have my signature on it. They can not produce this document or a full original accounting of the alleged account from conception to current. They even discussed my dads  assets as if they were mine. They have hired a group of attorneys in XXXX that are perusing very hard. This isn't even the state where the Alleged debt was conceived. ( California ) Plus I live in XXXX county and they are suing me in XXXX. When my dad was served I was in XXXX XXXX living. They don't even know who they are suing. They just want money. \n\nLetter 1 Dear Judge I AM ( My Name ), contacting you about the above mentioned to request that the Motion for Clerks Default filed by Cavalry through XXXX, XXXX, XXXX XXXX XXXX , XXXX, be vacated on my behalf for the following reasons : 1 ) The collection agency never responded to my request for validation, therefore never providing proof that the debt was mine under the FDCPA. I had made many calls and left many messages to XXXX, XXXX, XXXX XXXX XXXX in XX/XX/XXXX before being able to speak with anyone. After being passed from person to person on the phone, no one could provide a copy of the written agreement that created the original requirement to pay the alleged debt, nor could they produce a signature so that I could verify or not whether the alleged debt account was even opened by me or someone else. \n2 ) After considerable research on XXXX, XXXX, XXXX XXXX XXXX and Cavalry, it seems that these companies purchase stale debt and try to collect on that debt often violating the law and in this case, violating many laws, including harassing family members, sending wrongful summons and disrespecting personal privacy even when they can not validate the alleged debt. \n3 ) Several months after the aforementioned phone conversation, on XX/XX/XXXX, ( My Dads Name ), my father, was served summons papers at his home address, DAD 's Address, XXXX   XXXX FL XXXX, concerning the alleged debt that had been discussed with me, thereby, violating my privacy about such matters that can not be verified or validated. My father and mother live alone. ( Dads Name ), my father, called the Sheriffs office after realizing that the summons did not belong to him and he also emailed the Clerk of Court in XXXX to make this statement about the wrongful summons. \n4 ) I AM a 100 % Service Connected XXXX Veteran who lives in a RV with my wife who is also a XXXX veteran. We have been staying in XXXX, XXXX, XXXX and XXXX with family since before the hurricane and mandatory evacuations and were not in the area when the wrongful summons were served. \n5 ) XX/XX/XXXX, ( Dads Name ), my father, again, received a Motion for Clerks Default concerning the exact same wrongful summons that was sent in XX/XX/XXXX even though he had sent a letter confirming that he was not the person the wrongful summons addresses. \nI have returned recently for the winter and my father has made me privy to the wrongful summons and unsubstantiated motion for default that keeps being given to him after my conversation with the firm originally accusing me of the alleged debt and asking me about my fathers assets and properties at the same time and never verifying the alleged debt for me, nor ever serving me personally and yet continuing to harass and wrongfully summons my father and they are continuing to give my alleged information to third parties by doing so. More research online reveals that this firm has many complaints filed against them with the Consumer Financial Protection Bureau and the XXXX  with complaints similar in nature to what me and my family have been experiencing. Given the violation of laws committed by this questionable company, I AM requesting your consideration in vacating the motion to default and having the information removed from all 3 credit bureaus so that neither my father, nor myself are harassed by their unethical practices based on unsubstantiated claims for either of us. \nAttached documents include my fathers response statement to the first wrongful summons, my social security card and birth certificate, as well as my VA information. Please feel free to contact me at your convenience if I can be of further assistance in this matter. \nThank you for your time and consideration. \n\nSincerely, ( My Name ) Letter 2 Dear Judge In response to your Order at the Case Hearing on XX/XX/XXXX, I have attached an answer to the Complaint, including all defenses, Motion to Dismiss and Request For Judicial Notice with Standard on Motion to Dismiss, Argument In Support of Dismissing Amended Complaint, Covering All Four Corners of the Complaint, Requesting that this claim be Dismissed With Prejudice. \nFurthermore, the Plaintiffs Exhibits are insufficient and incomplete and do not establish a contractual relationship since the material terms are missing. A fair reading of the Complaint shows that a purely contractual dispute has arisen between Plaintiff and Defendant and that the assertion of new claim for unjust enrichment, money lent and open account have nothing to do legally or factually with original claims. \nI have requested to see a copy of the Verifiable, Validated Proof-an original Consumer Contract with a wet-ink Signature on it as is my Right according to the Fair Credit Reporting Act, Section 609. Under FCRA, Unverified, Invalid accounts must be removed and the law is very clear as to the Civil Liability and the remedy available to me for the negligent noncompliance ( Section 617 ) if companies, like the Plaintiff, Cavalry SPV I LLC fail to comply with Federal Law. As, per our previous correspondence, this company has violated Civil Liberties stated under the FCRA and FDCPA by ignoring my request for proper validation of the original contract and approval letter of the alleged debt with a wet-ink signature for material terms that would be the only basis for cause of action and pursuing court action without material evidence, harassing my father and family with unlawful summons sent to the wrong address and third party sharing of someones information and not really knowing who they are filing suit against, as we witnessed in the XX/XX/XXXX Hearing in your Chamber. \nIn addition, more harassing correspondence was sent to my Father after the Hearing on XX/XX/XXXX. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, 3  separate packages, all 3 containing the exact documents, were sent to my Fathers house, again, and were all addressed to HIM! \nGiven the absence of validated original contract and signature which shows that Cavalry has no cause to action, and the fact that Cavalry continued to violate Civil Rights of both myself and my Father after they discovered that my Father has assets and that I do not, by harassing my Father, sending wrongful summons, continuing to send multiple packages of the same information in stacks of paper that overwhelmed my Father and third party sharing of alleged debt collection information, I am respectfully requesting that the court dismiss this case and have the negative unverifiable information removed from all three credit bureaus.\n\nLetter 3 Dear Judge ( Different Judge ) I AM objecting to the Plaintiffs motion for telephonic appearance at Mediation based on the matter of principle, as the Plaintiffs reasons for requesting a telephonic appearance due to a burdensome and financial hardship because of their location is false since the Plaintiff does have local counsel as the Court witnessed by the Physical Presence of the Plaintiffs local representative who made a personal appearance on XX/XX/XXXX at the Case Management Conference concerning this matter and furthermore, the Plaintiff has never provided me, nor their representative at the Case Management Conference on XX/XX/XXXX, a Verifiable, Validated Proof of an Original Consumer Contract with a wet -ink Signature, as is my Right according to the Fair Credit Reporting Act, Section 609. In addition, I have been sued for a frivolous, Non-Verifiable, Non-Validated matter and false allegations have been made about my character ( or my Fathers, as the Plaintiff has never made it clear as to whom they are intending to file suit for this alleged debt and even the Counsel hired to represent the Plaintiff on XX/XX/XXXX was not sure, either ). Therefore, I deserve the right to confront my accusers, or at least their council in person in Mediation. As you are well aware, there is an industry of law firms that have made it their business model to sue the more underprivileged and often elderly members of society ( I AM a XXXX XXXX   XXXX Veteran ) and they thrive because they know and Federal government research shows that 97 % of the defendants will not even respond to the summons, ( especially if they do not receive it because it was sent to the wrong address or a family members home, as in my case ). These Companies and some Law Firms completely live off the inaction of the unaware, defenseless consumer. This industry has made a mockery of the Courts by overwhelming their resources with thousands of extra suits, blatantly false affidavits and purported evidence and the knowledge that they will be given the benefit of the doubt because they have passed the bar and are \" lawyers ''. I have the right to confront my accuser in person or at the very least their counsel in person and do object to their appearance by telephone. \nJudge ( Name ) had requested that I write a response to the Complaint, which is attached for your immediate perusal, written on XX/XX/XXXX : In response to your Order at the Case Hearing on XX/XX/XXXX, I have attached an answer to the Complaint, including all defenses, Motion to Dismiss and Request For Judicial Notice with Standard on Motion to Dismiss, Argument In Support of Dismissing Amended Complaint, Covering All Four Corners of the Complaint, Requesting that this claim be Dismissed With Prejudice. \nFurthermore, the Plaintiffs Exhibits are insufficient and incomplete and do not establish a contractual relationship since the material terms are missing. A fair reading of the Complaint shows that a purely contractual dispute has arisen between Plaintiff and Defendant and that the assertion of new claim for unjust enrichment, money lent and open account have nothing to do legally or factually with original claims. \nI have requested to see a copy of the Verifiable, Validated Proof of an original Consumer Contract with a wet-ink Signature on it as is my Right according to the Fair Credit Reporting Act, Section 609, since my first communication with Cavalry. Under FCRA, Unverified, Invalid accounts must be removed and the law is very clear as to the Civil Liability and the remedy available to me for the negligent noncompliance ( Section 617 ) if companies, like the Plaintiff, Cavalry SPV I LLC, fail to comply with Federal Law. As, per our previous correspondence, this company has violated Civil Liberties stated under the FCRA and FDCPA by ignoring my request for proper validation of the original contract and approval letter of the alleged debt with a wet-ink signature for material terms that would be the only basis for cause of action and pursuing court action without material evidence, harassing my father and family with unlawful summons sent to the wrong address and third party sharing of someones information and not really knowing who they are filing suit against, as we witnessed in the XX/XX/XXXX Hearing in your Chamber. \nIn addition, more harassing correspondence was sent to my Father after the Hearing on XX/XX/XXXX. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, 3 separate packages, all 3 containing the exact documents, were sent to my Fathers house, again and again, and were all addressed to HIM!\n\nGiven the absence of a Validated Original Contract and Signature which shows that Cavalry has no cause to action, and the fact that Cavalry continued to violate Civil Rights of both myself and my Father after they discovered that my Father has assets and that I do not, by harassing my Father, sending wrongful summons, continuing to send multiple packages of the same information in stacks of paper that overwhelmed my XXXX year old sick Father and third party sharing of alleged debt collection information, as well as falsely creating a cause to action without material conditions, I AM Respectfully Requesting that the Court Dismiss this Case and have the negative Unverifiable information Removed from all three credit bureaus on my Credit Report. If the Judge sees fit to add any relief on my behalf deemed just, such as the application of negligent noncompliance and more, please feel free to do so. Thank You. \nRespectfully, MY Name","date_sent_to_company":"2018-03-10T20:23:27.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"2839227","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAVALRY INVESTMENTS, LLC","date_received":"2018-03-10T19:11:56.000Z","state":"FL","company_public_response":null,"sub_issue":"Sued you in a state where you do not live or did not sign for the debt"},"highlight":{"complaint_what_happened":["We have been staying in XXXX, XXXX, XXXX and XXXX with family since before the hurricane and mandatory evacuations and were not in the area when the wrongful <em>summons</em> were <em>served</em>. \n5 ) XX/XX/XXXX, ( Dads Name ), my father, again, received a Motion for Clerks Default concerning the exact same wrongful <em>summons</em> that was sent in XX/XX/XXXX even though he had sent a letter confirming that he was not the person the wrongful <em>summons</em> addresses."]},"sort":[16.967762,"2839227"]},{"_index":"complaint-public-v1","_id":"3328702","_score":16.57365,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX In New York As XXXX XXXX XXXX XXXX XXXX had filed a default judgement against me and also a lien against my property for a credit card that was a result of identity theft and was disputed years prior to them filing the judgment. I was never served a summons for court to defend myself. Included in the default judgment are Interest charges at 9 % claimed from XX/XX/XXXX to XX/XX/XXXX for {$1500.00} before there was even a judgment filed. No contract from the original creditor XXXX  XXXX XXXX or from XXXX has been produced to show a signature or even to prove what interest rate XXXX is allowed to charge by law before the judgment was entered. I was a victim of identity theft in XXXX of XXXX. There were credit cards opened in my name as well as credit cards used that I had opened and also my banking information was compromised. I didnt find out the full extent of the theft until later down the road. But immediately after the identity theft occurred I notified the 3 major credit bureaus, XXXX, XXXX and XXXX. There was a fraud alert placed on my credit. I also initially filed a police report as well reporting the identity theft. I filed affidavits of fraud with all know creditors at the time and with my bank. Im not sure when XXXX XXXX XXXX obtained this XXXX  XXXX XXXX credit card, but when I seen them report on my credit report, I contacted the credit bureaus. The credit bureaus had already removed the XXXX   XXXX XXXX debt off my credit report prior because of the fraud, prior to XXXX XXXX XXXX reporting on there. XXXX XXXX XXXX could not verify that the debt was valid and it was in dispute so the credit bureaus promptly removed them off of my report again. I have attached the record of dispute with XXXX, with XXXX from XX/XX/XXXX before the judgment was filed. Further details of the credit reporting investigation could only be accessed for a limited time after it was completed. On XX/XX/XXXX XXXX XXXX has claimed to serve me with a summons and complaint which they say was affixed to the door of a property that I owned with my ex. At that time I was not living at the property because I was in a XXXX  XXXX situation and was residing with my parents. My ex who also owned the property was living there. It was a temporary situation that was even documented by the courts. I can send over those records as well of my address at my parent 's house if need be. I lived with my parents for about a year but did not put in for a change of address at first because I didn't know that I wouldnt get my mail, I didnt want it to look like I was abandoning the property I owned, and I didnt think I was going to be staying away for very long. A few months later I changed my address. Due to the domestic situation I would have not received any type of correspondence at the property that I owned, and I now believe that my ex could of had some involvement with the identity theft. Even when I did live at the property I was not getting my mail. XXXX also claimed to have mailed a copy of the summons and complaint on XX/XX/XXXX to the same property. I obtained a copy of the summons and complaint from the courthouse in XXXX of XXXX, and it is dated XX/XX/XXXX and states that I have 30 days to answer. Also the records that I obtained from the court do not included any type of Bill of Sale, or ownership information on how they obtained the debt or how it was assigned. To a person who is not familiar with a summons and complaint, they would most likely assume that their time was up to answer the summons. I think that this is another tactic used by XXXX to obtain default judgments. But I did not see the summons until XXXX, so obviously I did not answer. On XX/XX/XXXX XXXX XXXX XXXX XXXX In New York as XXXX XXXX XXXX XXXX obtained a default judgement for the amount of {$8400.00}. I then started receiving calls Pressler and Pressler, XXXX attorneys. I did not receive any type of phone calls prior to the judgement being filed. They were calling from different phone numbers telling me the sheriff was going to come to my work. They were calling my family. I gave them my updated address at my parents and once again told them that this was not my account. They told me it did not matter, they already have a judgement. They sent papers to do an income execution. I told them I never got paperwork on a judgment being filed and that this was disputed already on numerous occasions. Finally, because I didnt know what else to do, and I didn't want to go to jail or have the sheriff come to my work, I asked my mom to lend me the money. When I went to the bank to deposit the check the bank told me to make sure that this wasnt a scam. I looked up XXXX attorneys on the internet, Pressler and Pressler and there was a lot of things on there saying that they were a scam and not to pay them. After already going through what I had gone through with the identity theft I didnt know what to believe. I got scared and didnt know what to do. I didnt know how to check to see if there was really a judgment. I didnt know if this was a legit company or not because how would they sue me for something that was disputed years ago. I was not informed on the phone calls that it was an attempt to collect a debt. So I basically avoided the situation. Pressler and Pressler on behalf of XXXX XXXX XXXX started sending letters of the judgment to any address they thought I lived at, including my grandmothers address that I have never lived at. I couldnt afford an attorney and didnt know of resources available to help me at the time. In XXXX of XXXX I contacted the new attorneys collecting the debt, Pressler, Felt & Warshaw, LLP and once again told them that this was disputed. To this day I still have never received any correspondence from XXXX, Pressler and Pressler, or Pressler, Felt & Warshaw LLP stating that they are investigating my dispute. They want me to provide all the proof that I didnt do this, and they have supplied me with nothing. They also told me I would have to send them a copy of my license and social security card. I do not feel comfortable doing this. I have many forms of proof from fraud affidavits to police reports and apparently that is not good enough. They sent me a letter saying that judgment is now {$14000.00}. The public record of the judgment says it is {$6200.00}. I just had XXXX  XXXX and can not refinance my house to help pay for my medical costs unless I pay them these funds because of the lien on my property. They are going to force me into losing my home, for something I didn't do. In XX/XX/XXXX I tried to file a motion to vacate the judgment and I was not able to submit all of the proof I had because I had to first somehow prove that I wasnt served properly. I was representing myself and unfamiliar with the process. They would not vacate it so I could reopen the case and provide all my documentation that this was fraud. Pressler, Felt & Warshaw, LLP came with their expensive attorneys and failed to mention that the account was ever disputed. For the last 2 years XXXX has sent letters to my grandmother including the most recent in XX/XX/XXXX. My grandmother received correspondence from a XXXX class action lawsuit. She had received 4 postcards. XXXX XXXX XXXX has my updated address and I have never lived with my grandmother. The other issue I have is that XXXX also said there is another credit card with XXXX  XXXX XXXX for the amount of XXXX XXXX.They sent me a letter XX/XX/XXXX saying that they filed a lawsuit against me and they were offering a settlement. This account was disputed as well and I believe that they dropped the lawsuit because of the dispute. There is no record of me being served for this account or any judgement on file with the county. I have also attached this letter in the documents with the index number included. I have not received any type of correspondence from anyone saying that a judgment was obtained on this account. It is strange that they would stop one lawsuit because of the dispute but not the other when XXXX was handling both accounts. I have never received any notification on a judgement on the other account but I was told in phone calls With Pressler, after the fact that there were two judgements against me and if I paid them it would stop the Sheriff from coming. But XXXX has not mentioned any of this to the courts. I believe that XXXX XXXX XXXX XXXX In New York as XXXX XXXX XXXX XXXX, Pressler and Pressler, and Pressler, Felt & Warshaw, LLP are overlapping information from both of these accounts and merging records to try and get as much money as they can, for debts that were disputed and I thought that it was against the law for companies to do this. I have uploaded as much documentation I could find for now, being that this was years ago when the identity theft occurred.","date_sent_to_company":"2019-08-04T22:20:12.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"14224","tags":null,"has_narrative":true,"complaint_id":"3328702","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Pressler & Pressler, LLP","date_received":"2019-08-04T21:12:06.000Z","state":"NY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I was never <em>served</em> a <em>summons</em> for <em>court</em> to defend myself. Included in the default judgment are Interest charges at 9 % claimed from XX/XX/XXXX to XX/XX/XXXX for {$1500.00} before there was even a judgment filed. No contract from the original creditor XXXX  XXXX XXXX or from XXXX has been produced to show a signature or even to prove what interest rate XXXX is allowed to charge by law before the judgment was entered. I was a victim of identity theft in XXXX of XXXX."]},"sort":[16.57365,"3328702"]},{"_index":"complaint-public-v1","_id":"3328703","_score":16.545048,"_source":{"product":"Debt collection","complaint_what_happened":"Midland Funding LLC DBA In New York As Midland Funding of XXXX LLC had filed a default judgement against me and also a lien against my property for a credit card that was a result of identity theft and was disputed years prior to them filing the judgment. I was never served a summons for court to defend myself. Included in the default judgment are Interest charges at 9 % claimed from XX/XX/XXXX to XX/XX/XXXX for {$1500.00} before there was even a judgment filed. No contract from the original creditor XXXX XXXX XXXX or from Midland has been produced to show a signature or even to prove what interest rate Midland is allowed to charge by law before the judgment was entered. I was a victim of identity theft in XXXX of XXXX. There were credit cards opened in my name as well as credit cards used that I had opened and also my banking information was compromised. I didnt find out the full extent of the theft until later down the road. But immediately after the identity theft occurred I notified the 3 major credit bureaus, XXXX, XXXX  and XXXX. There was a fraud alert placed on my credit. I also initially filed a police report as well reporting the identity theft. I filed affidavits of fraud with all know creditors at the time and with my bank. Im not sure when Midland Funding LLC obtained this XXXX  XXXX XXXX credit card, but when I seen them report on my credit report, I contacted the credit bureaus. The credit bureaus had already removed the XXXX  XXXX XXXX debt off my credit report prior because of the fraud, prior to Midland Funding LLC reporting on there. Midland Funding LLC could not verify that the debt was valid and it was in dispute so the credit bureaus promptly removed them off of my report again. I have attached the record of dispute with Midland, with XXXX  from XX/XX/XXXX before the judgment was filed. Further details of the credit reporting investigation could only be accessed for a limited time after it was completed. On XX/XX/XXXX Midland Funding has claimed to serve me with a summons and complaint which they say was affixed to the door of a property that I owned with my ex. At that time I was not living at the property because I was in a XXXX XXXX situation and was residing with my parents. My ex who also owned the property was living there. It was a temporary situation that was even documented by the courts. I can send over those records as well of my address at my parent 's house if need be. I lived with my parents for about a year but did not put in for a change of address at first because I didn't know that I wouldnt get my mail, I didnt want it to look like I was abandoning the property I owned, and I didnt think I was going to be staying away for very long. A few months later I changed my address. Due to the domestic  situation I would have not received any type of correspondence at the property that I owned, and I now believe that my ex could of had some involvement with the identity theft. Even when I did live at the property I was not getting my mail. Midland also claimed to have mailed a copy of the summons and complaint on XX/XX/XXXX to the same property. I obtained a copy of the summons and complaint from the courthouse in XXXX of XXXX, and it is dated XX/XX/XXXX and states that I have 30 days to answer. Also the records that I obtained from the court do not included any type of Bill of Sale, or ownership information on how they obtained the debt or how it was assigned. To a person who is not familiar with a summons and complaint, they would most likely assume that their time was up to answer the summons. I think that this is another tactic used by Midland to obtain default judgments. But I did not see the summons until XXXX, so obviously I did not answer. On XX/XX/XXXX Midland Funding LLC DBA In New York as Midland Funding of XXXX obtained a default judgement for the amount of {$8400.00}. I then started receiving calls XXXX XXXX XXXX, Midlands attorneys. I did not receive any type of phone calls prior to the judgement being filed. They were calling from different phone numbers telling me the sheriff was going to come to my work. They were calling my family. I gave them my updated address at my parents and once again told them that this was not my account. They told me it did not matter, they already have a judgement. They sent papers to do an income execution. I told them I never got paperwork on a judgment being filed and that this was disputed already on numerous occasions. Finally, because I didnt know what else to do, and I didn't want to go to jail or have the sheriff come to my work, I asked my mom to lend me the money. When I went to the bank to deposit the check the bank told me to make sure that this wasnt a scam. I looked up Midlands attorneys on the internet, XXXX XXXX  XXXX and there was a lot of things on there saying that they were a scam and not to pay them. After already going through what I had gone through with the identity theft I didnt know what to believe. I got scared and didnt know what to do. I didnt know how to check to see if there was really a judgment. I didnt know if this was a legit company or not because how would they sue me for something that was disputed years ago. I was not informed on the phone calls that it was an attempt to collect a debt. So I basically avoided the situation. XXXX XXXX XXXXXXXX on behalf of Midland Funding LLC started sending letters of the judgment to any address they thought I lived at, including my grandmothers address that I have never lived at. I couldnt afford an attorney and didnt know of resources available to help me at the time. In XXXX of XXXX I contacted the new attorneys collecting the debt, XXXX, XXXX XXXX XXXX, XXXX and once again told them that this was disputed. To this day I still have never received any correspondence from Midland,  XXXX XXXX  XXXX, or XXXX, XXXX XXXX XXXX XXXX stating that they are investigating my dispute. They want me to provide all the proof that I didnt do this, and they have supplied me with nothing. They also told me I would have to send them a copy of my license and social security card. I do not feel comfortable doing this. I have many forms of proof from fraud affidavits to police reports and apparently that is not good enough. They sent me a letter saying that judgment is now {$14000.00}. The public record of the judgment says it is {$6200.00}. I just had XXXX XXXX  and can not refinance my house to help pay for my medical costs unless I pay them these funds because of the lien on my property. They are going to force me into losing my home, for something I didn't do. In XX/XX/XXXX I tried to file a motion to vacate the judgment and I was not able to submit all of the proof I had because I had to first somehow prove that I wasnt served properly. I was representing myself and unfamiliar with the process. They would not vacate it so I could reopen the case and provide all my documentation that this was fraud. XXXX, XXXX XXXX XXXX, XXXX came with their expensive attorneys and failed to mention that the account was ever disputed. For the last 2 years Midland has  sent letters to my grandmother including the most recent in XX/XX/XXXX. My grandmother received correspondence from a Midland class action lawsuit. She had received 4 postcards. Midland Funding LLC has my updated address and I have never lived with my grandmother. The other issue I have is that Midland also said there is another credit card with XXXX  XXXX XXXX for the amount of XXXX XXXX.They sent me a letter XX/XX/XXXX saying that they filed a lawsuit against me and they were offering a settlement. This account was disputed as well and I believe that they dropped the lawsuit because of the dispute. There is no record of me being served for this account or any judgement on file with the county. I have also attached this letter in the documents with the index number included. I have not received any type of correspondence from anyone saying that a judgment was obtained on this account. It is strange that they would stop one lawsuit because of the dispute but not the other when Midland was handling both accounts. I have never received any notification on a judgement on the other account but I was told in phone calls With XXXX, after the fact that there were two judgements against me and if I paid them it would stop the Sheriff from coming. But Midland has not mentioned any of this to the courts. I believe that Midland Funding LLC DBA In New York as Midland Funding of XXXX, XXXX XXXX XXXX, and XXXX, XXXX XXXX XXXX, XXXX  are overlapping information from both of these accounts and merging records to try and get as much money as they can, for debts that were disputed and I thought that it was against the law for companies to do this. I have uploaded as much documentation I could find for now, being that this was years ago when the identity theft occurred.","date_sent_to_company":"2019-08-04T22:20:25.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"14224","tags":null,"has_narrative":true,"complaint_id":"3328703","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2019-08-04T22:20:24.000Z","state":"NY","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I was never <em>served</em> a <em>summons</em> for <em>court</em> to defend myself. Included in the default judgment are Interest charges at 9 % claimed from XX/XX/XXXX to XX/XX/XXXX for {$1500.00} before there was even a judgment filed. No contract from the original creditor XXXX XXXX XXXX or from Midland has been produced to show a signature or even to prove what interest rate Midland is allowed to charge by law before the judgment was entered. I was a victim of identity theft in XXXX of XXXX."]},"sort":[16.545048,"3328703"]},{"_index":"complaint-public-v1","_id":"5977865","_score":16.254509,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"What follows is a recount of the fraudulent financial scam details written days after it occurred : On XX/XX/XXXX I received a call from a Texas area code ( when XXXX XXXX XXXX DEA office ) from agents from the US Treasury , Social Security Office , DEA regarding criminal charges associated with my social security number in Texas XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX that lead investigators to an address where XXXX kilos of XXXX and evidence of fraudulent credit card accounts created to launder money in my name. They knew my social security number. Over the next seven hours, they continued to speak to me in a governmental manner, transferred me between agents and any time I called back, it was answered by an agent and then I was transferred to the primary contact. He convinced me that my assets associated with my SS # needed to be held somewhere safe while the US government replaces my old SS # ( prevents further criminal activity ) with a new one where my assets can be transferred. The only legal way to execute ( because its illegal for an individual without a SS # to hold more than {$500.00} ) this is to purchase gift cards using my assets ( savings account in cash, available credit ), scratch the numbers off of the back and read the numbers to him, the next morning an agent from the XXXX Social Security office would arrive at home with a cashiers check and a new SS #. I executed this process on XX/XX/XXXX with the entirety of my savings account, {$29000.00} and the following day using available credit totaling {$20000.00}. The agent stayed on the phone with me for hours both days, for my safety and when we got disconnected, they called me or I called them. On XX/XX/XXXX after I had completed the transactions and recited the numbers, the line was disconnected, when I called back, the receptionist at the legitimate XXXX XXXX DEA answered and I knew Id been defrauded. I called the FBI who provided me with a website to make a report to the Social Security office. I called my husband, he told me to go to the police station. I went to the XXXX at XXXX on XXXX and made a report ( XXXX XXXX XXXXXXXX XXXX XXXX ) while the crime was in progress. The agents continued to call me as I waited for an officer to take my statement. Sgt. XXXX answered the phone, yelled and threatened the criminals and demanded the return of my money. The calls stopped which XXXX said was his intended outcome. I gave my recorded statement in the presence of my husband, XXXX. XXXX and XXXX XXXX XXXX once finished I asked to call Chase Card Services as I was concerned about my accounts because the criminals had my social security number. \n\nI called the fraud department using the number on the back of one of my credit cards and was transferred to XXXX who reissued my credit cards. Though the criminals didnt have my account numbers, it made me comfortable to receive new cards. I explained the entire fraud scenario to him before he reissued the cards, he said he could see that the charges were still pending because I had executed the ( 3 ) transactions on ( 3 ) separate cards, all with XXXX as the merchant, about 3hrs prior to making the police report. He instructed me that we needed to wait 2-3 days for the transactions to post and then Chase would reverse the charges. I expressed to him my concern that when I called back once the charges posted that I would receive a fraud specialist other than himself. He said he was making notes in my account to document my situation and his instructions to me. He indicated that in criminal cases where a police report has been filed, Chase chooses to remove the customer from the situation by reversing the charges and then they work directly with law enforcement to try to recoup the funds. He said he understood that I think that this is so much money that there is no way Chase will refund it, but we will because you are the victim. He then spoke directly with XXXX. XXXX and provided him with the phone number for law enforcement to communicate with Chase ( XXXX ). On XX/XX/XXXX when the transactions posted to my accounts, I called Chase Card Services in order to follow the steps Id been given. For 90 minutes, I was transferred between the fraud department and the disputes department until I reached a customer service manager in disputes. I repeatedly explained to her the situation, my conversation with their fraud specialist and the steps to follow and expectations he set forth. I was not disputing any policy, I was simply trying to exercise the instructions I had been given. She and other management had reviewed the recorded conversation from XX/XX/XXXX and she apologized that the representative gave me misinformation, but it was now an internal issue. There is no one else for me to talk to, I can not have a copy of the recording because it will be used for internal training purposes. I told her that I do not accept that. I called my trusted financial institution in time of crisis and consumer expectation is that the information they provide is accurate and honored. The next day, I received a letter in regards to each account, alerting me that my dispute had been closed and the charges were valid. \n\n\n\nWhat follows is a bulleted timeline of the various actions Ive taken in an effort to receive the restitution promised by Chase as well as their responses. \n\nXX/XX/XXXX, XXXX I retain a XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX 1st demand letter from XXXX XXXX is sent to Chase XX/XX/XXXX, XXXX I begin communications with the XXXX XXXX XXXX XXXX specifically a consumer fraud specialist XXXX XXXX, to learn the timing of events, specifically whether there was an opportunity to reverse the credit card charges instead of waiting days for them to post. I also connect XXXX XXXX XXXX ( assigned to my case ) and XXXX XXXX via email introduction to aid in the police investigation XX/XX/XXXX, XXXX XXXX demand letter from XXXX XXXX XXXX sent to an alternate contact at Chase XX/XX/XXXX, XXXX XXXX XXXX provides XXXX response to the 1st demand letter dated XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX informs me of XXXX XXXX XXXX unexpected death XXXX XXXX I notice that the interest on ( 2 ) of my credit cards with fraudulent balances increased from 15 % apr to the maximum 24 % apr. I call Chase Card Services to relay the situation and request that my apr is lowered as I was not delinquent on any payments. The representative denies my request and informs me that the apr rate is applied at the discretion of Chase and she can not offer me options to lower it. \n\nXX/XX/XXXX, XXXX I issue a third demand letter, Intent to File pro se and Complaint to the following contacts at Chase via USPS XXXX XXXX XXXX XXXX General Counsel XXXX XXXX XXXX XXXX Vice President, Assistant General Counsel XXXX XXXX XXXX XXXX Assistant General Counsel XXXX XXXX XXXX XXXX Assistant General Counsel XXXX XXXX XXXX XXXX Assistant General Counsel XX/XX/XXXX, XXXX I receive a voicemail from XXXX at Chase Card Services in New York informing me that my case is being reviewed. \n\nXXXX XXXX I pay the existing balances resulting from the fraudulent charges on each credit card in order to reduce the financial burden of the continuing interest charges. I close ( 2 ) of the ( 3 ) accounts. \n\nXX/XX/XXXX, XXXX Legal counsel retained by Chase in XXXX XXXX calls to request an extension in order to catch up on the case ; I decline their request due to the financial hardship of paying off ( 3 ) balances and the desire to move the anticipated legal process along. \n\nXX/XX/XXXX, XXXX Legal counsel retained by Chase in XXXX XXXX emails me a document to sign acknowledging that I will not seek damages greater than {$75000.00}. I sign the document in good faith, to avoid court and recoup the funds used to pay down the fraudulent charges and corresponding interest. \n\nXX/XX/XXXX, XXXX I file a Complaint and Summons pro se with XXXX XXXX Superior Court . \n\nXX/XX/XXXX, XXXX XXXX XXXX Superior Court sends written confirmation the Complaint has been filed and endorsed with case number : XXXX XXXX \n\nXXXX XXXX I issue Proof of Summons and Alternative Dispute Resolution packet to the following Chase recipients via USPS but fail to have them officially served by an Agent of Service : XXXX XXXX XXXX General Counsel XXXX XXXX XXXX XXXX Vice President, Assistant General Counsel XXXX XXXX XXXX XXXX Assistant General Counsel XXXX XXXX XXXX XXXX Assistant General Counsel XXXX XXXX XXXX XXXX Assistant General Counsel XX/XX/XXXX, XXXX I submit Case Management Conference requirements to the court via Agent of Service as I am living outside the state of California. \n\nXX/XX/XXXX, XXXX I return to the XXXX XXXX Superior Court in person to check the status of my filings, as there is no online record of my filing. My Case Management Conference paperwork was received but not recorded as received. The clerk backdates it to XX/XX/XXXX, but Ive already missed the deadline and the appearance in court is pushed back. I learn that I have failed to have the defendant properly served the Complaint and Summons. \n\nXX/XX/XXXX, XXXX I use an Agent of Service to properly serve Chase and submit Proof of Summons with the XXXX XXXX Superior Court . \n\nXX/XX/XXXX, XXXX I consult with an attorney regarding the realities of moving forward pro se, and discover that I have exceeded the six month window to properly serve the defendant notice of filing the Complaint and Summonst. I have missed the deadline by a week and will need to refile and start the process from the beginning. \n\nXX/XX/XXXX, XXXX I file with the XXXX XXXX Superior Court in person XXXX Request for Dismissal because the cost in both time and money is beyond my capabilities. \n\nXX/XX/XXXX, XXXX I file with the XXXX XXXX Superior Court in person XXXX Notice of Entry of Dismissal and Proof of Service XXXX","date_sent_to_company":"2022-09-13T22:12:51.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"967XX","tags":null,"has_narrative":true,"complaint_id":"5977865","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-09-13T21:04:09.000Z","state":"HI","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I sign the document in good faith, to avoid <em>court</em> and recoup the funds used to pay down the fraudulent charges and corresponding interest. \n\nXX/XX/XXXX, XXXX I file a Complaint and <em>Summons</em> pro se with XXXX XXXX Superior <em>Court</em> ."]},"sort":[16.254509,"5977865"]},{"_index":"complaint-public-v1","_id":"1796756","_score":15.640332,"_source":{"product":"Debt collection","complaint_what_happened":"JunkDebtCollector. Allan and XXXX XXXX XXXX XXXX Arkansas XXXX. XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX XXXX are suing us in court.In the District Court Of XXXX XXXX XXXX Arkansas XXXX Summons ( Notice of Lawsuit ) Case Number XXXX .XXXX Plaintiff. XXXX XXXX XXXX Defendant .All they filed with the Court was an Affidavit Of Account when first filed. XXXX Bank has written off the loan and Allan and Withro have bought the debt. They are a third party Collection business. They do not have the right to even collect this debt.They bought debts Banks have written off for penny 's on the dollar.And there are stacks of these they are bogging down the court with They are using manners that are against The Fair Debt Collection. Only filing an affidavit. They are harrassing us to death. Our son has XXXX and is having to try and file papers back for theirs filed. I his mother am XXXX and suffer XXXX, It is causing XXXX between my husband and i. These Attorneys do not own the debt. They have nothing to show they own the debt. No credit card number.They are violating Federal trade commission rules. ( They are using false representation or Deceptive means to collect or attempt .Our son filed with the court Interrogatories and request for production.All they sent to us was A lot of paper work supposedly from XXXX XXXX . No Credit card number. No signature of consumer. Lots of just Blank spaces.And an envelope for us to send them back what? At the bottom of their letter it says ~ This communication is from a debt collector and is an attempt to collect a debt. Any information will be used for that purpose.! They want us to give them information? They did not send any answers for the interrogatories! Request for Admission. State rules.ARCP 10 ( d ) requires more than an \" Affidavit of account '' to be attached to the complaint. Under XXXX XXXX XXXX v XXXX, The Arkansas Supreme Court held that simply attaching an \" Affidavit to Correctness of Account '' to a complaint constituted a Violation of Rule 10 ( d ) 2012 ARK. 460 In that case, the creditor attached to it 's comp ; aint a written affidavit alleged to be the instrument upon which the claim was based, ID. The Arkansas Supreme Court held that while the affidavit might serve as proof to establish the account, the Affidavit alone is insufficient to serve as an instrument or documentation upon which a claim is based in accordance with Ar.R Civ. Pro 10 ( d ). The Judge XXXX XXXX XXXX XXXX XXXX District Court. XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX, Ar XXXX is over whelmed by the tons of paper work being filed by This JunkDebtCollectorWithro And Allan LLC. The paralegal asked not to have more than XXXX a day brought to her by the clerks because she can not handle more. They asked the judge for summary judgement. He did not sign it. We asked the Judge to give us more time to find a lawyer which we can not afford living on just social security. He refused. PLEASE HELP XXXX. If you can not help us please help us find someone here in Arkansas that can help Us. Please! Attorney XXXX XXXX is suing in Ark Supreme court against these JunkDebtBuyers for violating ; XXXX Rules. But he will not do anything else for a consumer. Does n't have the time. Ca n't afford an attorney. They charge a fortune. Is there any one who could help us? Because we are old people and I am XXXX? The XXXX XXXX is not going to close this case unless we have an attorney, or some one else to help us. And we are afraid our son is XXXX due to his XXXX. He can not do anymore work on this.He had legal aid help him due to his health condition.And his low income. They refuse to help us. Saying there is a conflict of interest?? I am abut to the point of doing away with my self. PLEASE HELP US. Answer us somehow?","date_sent_to_company":"2016-02-20T20:56:27.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"Credit card","zip_code":"72116","tags":"Older American","has_narrative":true,"complaint_id":"1796756","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Allen & Withrow","date_received":"2016-02-20T20:56:27.000Z","state":"AR","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not mine"},"highlight":{"complaint_what_happened":["The Arkansas Supreme <em>Court</em> held that while the affidavit might <em>serve</em> as proof to establish the account, the Affidavit alone is insufficient to <em>serve</em> as an instrument or documentation upon which a claim is based in accordance with Ar.R Civ. Pro 10 ( d ). The Judge XXXX XXXX XXXX XXXX XXXX District <em>Court</em>. XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX, Ar XXXX is over whelmed by the tons of paper work <em>being</em> filed by This JunkDebtCollectorWithro And Allan LLC."]},"sort":[15.640332,"1796756"]},{"_index":"complaint-public-v1","_id":"1796495","_score":15.619109,"_source":{"product":"Debt collection","complaint_what_happened":"JunkDebtCollector. Allan and Withro LLL XXXX XXXX Arkansas XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX XXXX are suing us in court.In the District Court Of XXXX XXXX XXXX Arkansas . Summons ( Notice of Lawsuit ) Case Number XXXX .XXXX Plaintiff. V XXXX XXXX Defendant .All they filed with the Court was an Affidavit Of Account when first filed. XXXX Bank has written off the loan and Allan and Withro have bought the debt. They are a third party Collection business. They do not have the right to even collect this debt.They bought debts Banks have written off for penny 's on the dollar.And there are stacks of these they are bogging down the court with They are using manners that are against The Fair Debt Collection. Only filing an affidavit. They are harrassing us to death. Our son has XXXX and is having to try and file papers back for theirs filed. I his mother am totally XXXX and suffer XXXX, It is causing XXXX between my husband and i. These Attorneys do not own the debt. They have nothing to show they own the debt. No credit card number.They are violating Federal trade commission rules. ( They are using false representation or Deceptive means to collect or attempt .Our son filed with the court Interrogatories and request for production.All they sent to us was A lot of paper work supposedly from XXXX XXXX . No Credit card number. No signature of consumer. Lots of just Blank spaces.And an envelope for us to send them back what? At the bottom of their letter it says ~ This communication is from a debt collector and is an attempt to collect a debt. Any information will be used for that purpose.! They want us to give them information? They did not send any answers for the interrogatories! Request for Admission. State rules.ARCP 10 ( d ) requires more than an \" Affidavit of account '' to be attached to the complaint. Under XXXX XXXX XXXX v XXXX, The Arkansas Supreme Court held that simply attaching an \" Affidavit to Correctness of Account '' to a complaint constituted a Violation of Rule 10 ( d ) XXXX ARK. 460 In that case, the creditor attached to it 's comp ; aint a written affidavit alleged to be the instrument upon which the claim was based, ID. The Arkansas Supreme Court held that while the affidavit might serve as proof to establish the account, the Affidavit alone is insufficient to serve as an instrument or documentation upon which a claim is based in accordance with Ar.R Civ. Pro 10 ( d ). The Judge XXXX XXXX XXXX XXXX XXXX District Court. XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX, Ar XXXX is over whelmed by the tons of paper work being filed by This JunkDebtCollectorWithro And Allan LLC. The paralegal asked not to have more than XXXX a day brought to her by the clerks because she can not handle more. They asked the judge for summary judgement. He did not sign it. We asked the Judge to give us more time to find a lawyer which we can not afford living on just social security. He refused. PLEASE HELP US. If you can not help us please help us find someone here in Arkansas that can help Us. Please! Attorney XXXX XXXX is suing in XXXX Supreme court against these JunkDebtBuyers for violating ; ARK Rules. But he will not do anything else for a consumer. Does n't have the time. Ca n't afford an attorney. They charge a fortune. Is there any one who could help us? Because we are old people and I am XXXX? The XXXX XXXX is not going to close this case unless we have an attorney, or some one else to help us. And we are afraid our son is XXXX due to his XXXX. He can not do anymore work on this.He had legal aid help him due to his health condition.And his low income. They refuse to help us. Saying there is a conflict of interest?? I am abut to the point of doing away with my self. PLEASE HELP US. Answer us somehow? \n\nXXXX XXXX XXXX XXXX","date_sent_to_company":"2016-02-29T14:09:02.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"Credit card","zip_code":"72116","tags":"Older American","has_narrative":true,"complaint_id":"1796495","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Allen & Withrow","date_received":"2016-02-20T20:38:01.000Z","state":"AR","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not mine"},"highlight":{"complaint_what_happened":["The Arkansas Supreme <em>Court</em> held that while the affidavit might <em>serve</em> as proof to establish the account, the Affidavit alone is insufficient to <em>serve</em> as an instrument or documentation upon which a claim is based in accordance with Ar.R Civ. Pro 10 ( d ). The Judge XXXX XXXX XXXX XXXX XXXX District <em>Court</em>. XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX, Ar XXXX is over whelmed by the tons of paper work <em>being</em> filed by This JunkDebtCollectorWithro And Allan LLC."]},"sort":[15.619109,"1796495"]},{"_index":"complaint-public-v1","_id":"3051367","_score":15.416207,"_source":{"product":"Debt collection","complaint_what_happened":"I found out from a District Court notice that an attorney XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX is Suing me for Debt allegedly belong to a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \nXXXX TX XXXX. Apparently this XXXX XXXX XXXX acquired this Debt from XXXX XXXX where I had a auto Loan from in XXXX. I had recieved one notice from this XXXX XXXX company earlier in XXXX. I had tried to call them with the Phone numbers provided and they are not valid numbers. I tried to email them from their website and recieved no response. As of this complaint filing I have had no contact with XXXX XXXX. I assumed it was a scam so I just kind of let it go until I was served a Summons for a lawsuit. I have contacted the Attorney above about this Debt allegedly now owned by XXXX, They are Trying to have a Judgement placed on me for XXXX XXXX  which is allegedly owed. I have ask the Attorney for the contact information for XXXX and they gave me the same numbers that I already had and tried and are not valid. I ask them how they contact this XXXX XXXX management and they Replied that they never spoke with anyone, only email. all this has happened in the past couple weeks. I last tried to contact XXXX on XX/XX/XXXX and I did talk to their attorney on XX/XX/XXXX and could not resolve anything. \nafter further looking into XXXX XXXX XXXX XXXX I found out that just recently that the company was shut down by the Securities and Exchange Commission for fraud and that the president XXXX XXXX XXXX and others that owned collection company 's under various name where charged and being investigated. Also the Company has many XXXX  Complaints like mine. I believe that I am a victim of unfair collection practices and that I could not verify this debt with this company or even have ample time to resolve this Debt in any way shape or form. I have a court date of XX/XX/XXXX where the attorney above is asking for a judgement. I do not believe this debt is owed this company and at the least because I had no way of contacting this company that any judgement for this company should be granted. I only recieve SSI and I will never hold a regular job again due to my XXXX, and without being able to even contact this Company this is causing undue Stress. Again as of XX/XX/XXXX I still have had no contact with this company to try to resolve anything as the contact information is invalid","date_sent_to_company":"2018-10-19T19:52:19.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Auto debt","zip_code":"21117","tags":null,"has_narrative":true,"complaint_id":"3051367","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Riverwalk Financial Corporation","date_received":"2018-10-19T19:02:57.000Z","state":"MD","company_public_response":null,"sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["after further looking into XXXX XXXX XXXX XXXX I found out that just recently that the company was shut down by the <em>Securities</em> and Exchange Commission for fraud and that the president XXXX XXXX XXXX and others that owned collection company 's under various name where charged and <em>being</em> investigated. Also the Company has many XXXX  Complaints like mine."]},"sort":[15.416207,"3051367"]},{"_index":"complaint-public-v1","_id":"1413466","_score":15.11912,"_source":{"product":"Debt collection","complaint_what_happened":"Started receiving threatening phone calls about charges of fraud against me on my cell and at work in XX/XX/XXXX. XXXX call stated I had XXXX pending fraud charges that would be filed in my county and ended with you have been served. \nThey left a case number and a phone number.On XX/XX/XXXX I called and got a call center who then transfered me to a lady named XXXX who, in a stern, fast talking, threatening manner proceeded to rattle off that she was calling from the XXXX and they are pursuing me for an **** account that is in collections and I had to pay them immediately or be taken to court. She said I was fortunate to talk to her because they would settle my {$1600.00} debt for $ XXXX.She had the last XXXX numbers of my social security number and my oldest siblings name. I asked her what date the debt was from and she stated XX/XX/XXXX. I told her I was unaware of such debt and had never seen it on my credit report. She stated it did not have to be for the charges to be filed. She also stated I could be served at home or on my job. I told her I did not have {$840.00}. When I tried to refuse to pay anything she accused me of being \" non-compliant and she will have a sheriff come and serve me a summons within 48 hours ''. I have never had to deal with something like this and was very upset and was eventually strongarmed in agreeing to have make installment payment of {$200.00} starting XXXX XXXX until XX/XX/XXXX to \" settle the account ''. She put me on hold and said she had to ask permission to take deal from her manager and then transferred me to another lady to get me debit info. \nThey then sent an email from XXXX and XXXX showing the agreement arrangements and wanting me to \" XXXX ''. The agreement stated that the payments were processed through XXXX asking me to sign. I did not sign. \nIn doing followup research I have found : - the methods they were using were in violation of the Fair Debt Collections Practices Act - FDCPA. \n- The agreement they emailed contained no address and the phone number goes to a call center. I have also found that it is illegal to correspond via email by a law office or debt collector. \n- the **** account they gave only dates for would be considered a time-barred account and not subject to collection in ********- XXXX is a company that has also been known as - XXXX and XXXX These were all owned or managed by a XXXX a XXXX XXXX \n-. in calling XXXX they gave different dates and dollar amount for an old account I had that was written off in XX/XX/XXXX which also does not match any date XXXX XXXX gave so I believe they are fraudulently collecting on a non-existent account and they are committing interstate fraud since I live in XXXX there are several complaints against these company 's on rip-off report sites online. \nI have been trying to reach XXXX XXXX or someone in their office using the phone numbers I have for them to ask a few more questions but my calls are not answered. \n\n\nDesired SettlementNo further contact with me from any XXXX connected with this or future collection attempts including phone calls to my cell or place of employment, emails, notices through the USPO or threats to take me to court. \n\n- See more at : http : XXXX # XXXX","date_sent_to_company":"2015-06-09T23:50:54.000Z","issue":"Taking/threatening an illegal action","sub_product":"Credit card","zip_code":"29063","tags":null,"has_narrative":true,"complaint_id":"1413466","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2015-06-09T23:50:54.000Z","state":"SC","company_public_response":"Company chooses not to provide a public response","sub_issue":"Threatened to sue on too old debt"},"highlight":{"complaint_what_happened":["When I tried to refuse to pay anything she accused me of <em>being</em> \" non-compliant and she will have a sheriff come and <em>serve</em> me a <em>summons</em> within 48 hours ''. I have never had to deal with something like this and was very upset and was eventually strongarmed in agreeing to have make installment payment of {$200.00} starting XXXX XXXX until XX/XX/XXXX to \" settle the account ''."]},"sort":[15.11912,"1413466"]},{"_index":"complaint-public-v1","_id":"9046294","_score":14.960282,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Case # XXXX was closed XX/XX/XXXX. \nHarassment ensued after the case closure XX/XX/XXXX, XX/XX/XXXX, no service performed On XX/XX/XXXX it is fraudulently entered into court records that Affiant appeared for hearing and requested genetic testing setting case for trial/testing on XX/XX/XXXX @ XXXX On XX/XX/XXXX it is fraudulently entered by attorney for XXXX XXXX XXXX in XXXX XXXX that Affiant was served in open court and refused to sign service delivery and case was set for XX/XX/XXXX XX/XX/XXXX Affiant was informed by a coworker that he saw something on social media that has Affiants name being drug through the mud and informed Affiant of proceedings and how to get informed ; Affiant requested evidence of claim against the legal person of Affiant that resulted in the deprivation of rights and property or that all judgements be dismissed, all finances stolen be returned from unlawful garnishments, the collection account be removed from consumer file and reimbursement for all costs incurred in association of said actions totaling, at the time, {$15000.00}. \nOn XX/XX/XXXX case came before the court and there being no service shown on the court file ; case was set for XX/XX/XXXX @ XXXX On XX/XX/XXXX there being no file of service upon Affiant, the court fraudulently entered for the record that service on the Affiant was shown in court file ; case was set for trial on XX/XX/XXXX @ XXXX On XX/XX/XXXX there being no file of service upon Affiant, the court fraudulently entered for the record that service on the Affiant  was shown in court file ; case was set for trial on XX/XX/XXXX @ XXXX On XX/XX/XXXX ORDER DISMISSINGCASE # XXXX On XX/XX/XXXX a DOMESTIC RELATIONS/CHILD SUPPORT INFORMATION SHEET was completed by XXXX XXXX, an intervening party incentivized by the DEPARTMENT OF HUMAN SERVICES CHILD SUPPORT ENFORCEMENT AGENCY using Affiants private information without Affiants knowledge, or authorization with the intent to deprive Affiant of privacy, property, and other reserved rights and fraudulently make Affiant a party to those matters XXXX fraudulently entered an incorrect birthday for Affiant ; New Case # : XXXX ; communicated fraudulent debt to third party without permission in violation of Affiants Consumer rights On XX/XX/XXXX @ XXXX XXXX  a complaint was filed for ( new ) case XXXX and a SUMMONS was commanded to be served upon Affiant by ANY SHERIFF OR ANY PERSON AUTHORIZED BY THE ALABAMA RULES OF CIVIL PROCEDURE TO SERVE PROCESS On XX/XX/XXXX case came before the court for an ORDER SETTING CASE FOR REVIEW OF SERVICE; there being no service case was set on a Call Docket for review of Service on XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XXXX  is the end of the lawful time of 60 days to serve. In accordance with ALABAMA RULES OF CIVIL PROCEDURE 4 ( i ) ( D ) Failure of Service. When the person serving process is unable to serve a copy of the process within sixty ( 60 ) days from issuance of the process by the clerk of court, the person serving process shall endorse that fact and the reason therefor on the process and return the process and copies to the clerk, who shall make the appropriate entry on the docket sheet and the electronic record relating to the action ; XXXX XXXX XXXX COURT CLERK and the person serving process failed to comply with the requirements of ALABAMA LAW On XX/XX/XXXX PROSERVE PROCESS SERVERS stamped Failed Service Return Not at this address Does not live at service address ; server did not comply with ALABAMA RULES OF CIVIL PROCEDURE Rule 4 On XX/XX/XXXX RETURN ON SERVICE-NOT SERVED was filed @ XXXX XXXX  On XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX fraudulently executed a return of service @ address : XXXX XXXX XXXX XXXX XXXX, AL XXXX naming a friend as the recipient accepting for Affiant at an address that is not Affiants dwelling house or usual place of abode and is unauthorized to accept for Affiant in violation of ALABAMA RULES OF CIVIL PROCEDURE 4 ( c ) ( 1 ) ; XXXX  failed to prove sufficient information to show the person served qualifies as a person to be served for the defendant under Rule 4 ( c ) ; XXXX failed to personally endorse these facts, as required by ALABAMA RULES OF CIVIL PROCEDURE 4 ( i ) ( 1 ) ( c ) : When the copy of the process has been delivered, the person serving process shall endorse that fact on the return copy of the process On XX/XX/XXXX RETURN ON SERVICE fraudulently states SERVED, without a return of service on file from process server, filed @ XXXX XXXX  ; ORDER SETTING CASE FOR TRIAL on XX/XX/XXXX reflects there being no serviceshown in court file ; case set for Trial on XX/XX/XXXX @ XXXX XXXX  ; New Case Number XXXX ; filed @ XXXX XXXX  On XX/XX/XXXX a new case # : XXXX ; a CHILD SUPPORT-OBLIGATION INCOME STATEMENT/AFFIDAVIT was fraudulently completed by XXXX XXXX, a notary/clerk/XXXX  worker, who acted as the Affiant in completing said form ; she did not sign the notary/clerk section on the form which would require a Defendant, but signed in said capacity on the identical form marked for Plaintiff ; she fraudulently used Affiants private and personal information without authorization or knowledge of Affiant misrepresenting information presented in proceedings against the Affiant that caused injury ; On the CHILD-SUPPORT GUIDELINES form XXXX XXXX fraudulently misrepresented Affiants personal information for purposes of gaining a financial incentive and with knowledge that this misrepresentation of information would depoAffiant of rights and property ; on the CHILD-SUPPORT GUIDELINES NOTICE OF COMPLIANCE it was fraudulently entered that Affiant was a party supplying information on aforementioned forms fraudulently misusing proceedings and procedures as set out in Rule 32, ALABAMA RULES OF JUDICIAL ADMINISTRATION by stating have been followed and applied ; XXXX XXXX CLERK & REGISTER stamped in space designated for Signature of Defendant & Signature of Defendants Attorney ; fraudulently entered Affiants address ; fraudulently listed the telephone for Plaintiff or Plaintiffs Attorney as the number for DHR ; the child-support guidelines, as set out by the ALABAMA RULES OF JUDICIAL ADMINISTRATION, have not been followed and applied in XXXX faith On XX/XX/XXXX REFEREES FINDINGS AND XXXX for XXXX XXXX XXXX fraudulently stated Affiant reached this agreement in Open Court ; ordered an income withholding order to be served in the amount of {$730.00} per month beginning XX/XX/XXXX ; arrears listed as {$12000.00}, interest at XXXX total {$14000.00} as of XX/XX/XXXX ; fraudulently listed Affiants address ; in the Findings & Recommendations/ Agreement and other information for formal Order it states Guidelines followed {$730.00} current support, states Affiant was served- XXXX ; Affiant did not receive a copy of said Findings ; set for review XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; formal order drawn up by XXXX XXXX ; filed XX/XX/XXXX XXXX DHR Worker signed as XXXX XXXX On XXXX XXXX addressed to an evidently erroneous address was XXXX XXXX XXXX XXXX CLERK OF CIRCUIT XXXX XXXX XXXX XXXX for the Default Modification with the notices across the envelope stating : Return To Sender Dont Stay Here Wrong Address No one here with this XXXX XXXX XX/XX/XXXX @ XXXX XXXX  XXXX XXXX XXXX XXXX is filed ; this is inconsistent with the Case No. : XXXX which the ORDER OF MODIFICATION BY DEFAULT is identified ; the said ORDER falsely states that Affiant failed to appear after being served by Personal service; section A misrepresents Affiant as Defendant and fraudulently claims Affiant to be the parent of 3 persons unknown to Affiant and without a contract to substantiate claims Affiant owes a duty of support and maintenance to said minor children this is completely absurd and injurious ; ( B ) states that Affiant was ordered on XX/XX/XXXX, to pay child support in the amount of {$430.00} per month the referenced case # XXXX was closed XX/XX/XXXX so lawfully that order is null and void ; ( D ) states that Affiant is liable to the Plaintiff in the amount of {$14000.00} for arrears monies from a closed case ; these so called findings are found with the hopes of being incentivized by receiving federal money for the collection of child support, not for the benefit of the children, but for the benefit of the programs agents and administration Child Support Enforcement Agencies are debt collectors The Fair Debt Collection Practices Act ( FDCPA ) defines a debt collector as a person or company that regularly collects debts owed to others, usually when those debts are past-due. This includes collection agencies or lawyers who collect debts as part of their business. The FDCPA also defines a debt collector as any person who uses the mails or interstate commerce to collect debts According to the Consumer Financial Protection Bureau ( CPFB ), Section 1006.2 ( h ) of the Fair Debt Collection Practices Act ( FDCPA ) defines debt as \" any obligation or alleged obligation of a consumer to pay money arising out of a transaction ''. There is no transaction between Affiant and those acting in concert as parties to an alleged obligation. The aforementioned parties have no AUTHORIZED contracts with Affiant to present as proof. Affiant thus cant be named as an obligor on a fraudulently filed UCC 1 statement claiming a lien on the Social Security Account Number that Affiant holds in due course. Affiant is not in debt or indebted to the said parties. \nThe XXXX XXXX XXXX XXXX XXXX XXXX, ALABAMA is being used by agents of the Social Security Acts Title IV-D Program in concert with the CHILD SUPPORT ENFORCEMENT AGENCY and acting UNDER XXXX OF LAW by taking advantage of their office to misrepresent that they are actually not acting in their official capacity but as partners in an unofficial capacity. \nThese are VIOLATIONs of FDCPA 802 ( a ), 805, 807 ( 1 ), ( 2 ), ( 4 ), ( 5 ), ( 7 ), ( 8 ), ( 9 ), ( 10 ), ( 13 ), & ( 14 ) ,808, & 809 ; U.S.C. 1692 but not limited to ; The said persons acting in a financial nature are guilty of violating 15 U.S.C. 6801 & 6802 for the disclosure of Affiants non public information to third parties without the obligatory disclosures to Affiant Affiant has notified the credit reporting agencies, XXXX, Equifax, & XXXX, about this account and they each removed it in XXXX and subsequently put it back on Affiants consumer report in violation of 15 U.S.C. 1681 604 ( 2 ) Furnishers have violated 15 U.S.C. 1681 ( s ) ( 2 ) ( a ) ( 1 ) by ignoring fraud report and the original removal purposes Credit reporting agencies failed to comply with FCRA 607 ( a ) & ( b ) accuracy of report obligation by re-entering false information onto Affiants consumer report and failing to disclose investigative methods when requested by Affiant in violation of FCRA 606 ( b ) Credit reporting agencies have re-entered erroneous and fraudulent information onto Affiants consumer report and exposed consumer injury by violating 15 U.S.C. 1681 602 Credit reporting Agencies have violated permissible purposes of consumer report as codified in 15 U.S.C. 1681 ( b ) by not acting in accordance to Affiants written instruction as a consumer to remove the fraudulent and erroneous entry Data furnishers to the Credit reporting agencies have violated 12 CFR 1006.30 ( i ) & ( ii ) There was a failure to comply with 12 CFR 1006.34 ( c ) after written request from Affiant to validate debt The violation of 15 U.S.C. 45 ( a ) by causing the denial of Affiants passport due to acts in violation of said act Please Cease and Desist all communications and attempts to contact Affiant, immediately.\n\n05/09/2023 Affiant was informed of ineligibility to receive a XXXX XXXX XXXX because of owed child support payments The information is not related to any transaction of Affiant as a consumer and should be blocked in accordance to FCRA 605 B","date_sent_to_company":"2024-05-19T11:46:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"322XX","tags":null,"has_narrative":true,"complaint_id":"9046294","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-05-19T11:19:29.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX case came before the <em>court</em> and there <em>being</em> no service shown on the <em>court</em> file ; case was set for XX/XX/XXXX @ XXXX On XX/XX/XXXX there <em>being</em> no file of service upon Affiant, the <em>court</em> fraudulently entered for the record that service on the Affiant was shown in <em>court</em> file ; case was set for trial on XX/XX/XXXX @ XXXX On XX/XX/XXXX there <em>being</em> no file of service upon Affiant, the <em>court</em> fraudulently entered for the record that service on the Affiant  was shown in <em>court</em> file ; case was"]},"sort":[14.960282,"9046294"]},{"_index":"complaint-public-v1","_id":"9046395","_score":14.8509655,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Case # XXXX was closed XX/XX/XXXX. \nHarassment ensued after the case closure XX/XX/XXXX, XX/XX/XXXX, no service performed On XX/XX/XXXX it is fraudulently entered into court records that Affiant appeared for hearing and requested genetic testing setting case for trial/testing on XX/XX/XXXX @ XXXX On XX/XX/XXXX it is fraudulently entered by attorney for XXXX XXXX XXXX in XXXX XXXX that Affiant was served in open court and refused to sign service delivery and case was set for XX/XX/XXXX XX/XX/XXXX Affiant was informed by a coworker that he saw something on social media that has Affiants name being drug through the mud and informed Affiant of proceedings and how to get informed ; Affiant requested evidence of claim against the legal person of Affiant that resulted in the deprivation of rights and property or that all judgements be dismissed, all finances stolen be returned from unlawful garnishments, the collection account be removed from consumer file and reimbursement for all costs incurred in association of said actions totaling, at the time, {$15000.00}. \nOn XX/XX/XXXX case came before the court and there being no service shown on the court file ; case was set for XX/XX/XXXX @ XXXX On XX/XX/XXXX there being no file of service upon Affiant, the court fraudulently entered for the record that service on the Affiant was shown in court file ; case was set for trial on XX/XX/XXXX @ XXXX On XX/XX/XXXX there being no file of service upon Affiant, the court fraudulently entered for the record that service on the Affiant was shown in court file ; case was set for trial on XX/XX/XXXX @ XXXX On XX/XX/XXXX ORDER DISMISSINGCASE # XXXX On XX/XX/XXXX a DOMESTIC RELATIONS/CHILD SUPPORT INFORMATION SHEET was completed by XXXX XXXX, an intervening party XXXX XXXX the DEPARTMENT OF HUMAN SERVICES CHILD SUPPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX knowledge, or authorization with the intent to deprive Affiant of privacy, property, and other reserved rights and fraudulently make Affiant a party to those matters XXXX fraudulently entered an incorrect birthday for Affiant ; New Case # : XXXX ; communicated fraudulent debt to third party without permission in violation of Affiants Consumer rights On XX/XX/XXXX @ XXXX XXXX a complaint was filed for ( new ) case XXXX and a SUMMONS was commanded to be served upon Affiant by ANY SHERIFF OR ANY PERSON AUTHORIZED BY THE ALABAMA RULES OF CIVIL PROCEDURE TO SERVE PROCESS On XX/XX/XXXX case came before the court for an ORDER SETTING CASE FOR REVIEW OF SERVICE; there being no service case was set on a Call Docket for review of Service on XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XXXX XXXXs the end of the lawful time of 60 days to serve. In accordance with ALABAMA RULES OF CIVIL PROCEDURE 4 ( i ) ( D ) Failure of Service. When the person serving process is unable to serve a copy of the process within XXXX ( XXXX ) days from issuance of the process by the clerk of court, the person serving process shall endorse that fact and the reason therefor on the process and return the process and copies to the clerk, who shall make the appropriate entry on the docket sheet and the electronic record relating to the action ; XXXX XXXX XXXX XXXX CLERK and the person serving process failed to comply with the requirements of ALABAMA LAW On XX/XX/XXXX PROSERVE PROCESS SERVERS stamped Failed Service Return Not at this address Does not live at service address ; server did not comply with ALABAMA RULES OF CIVIL PROCEDURE Rule XXXX On XX/XX/XXXX RETURN ON SERVICE-NOT SERVED was filed @ XXXX XXXX On XX/XX/XXXX XXXX XXXX XXXX XXXX PROCESS SERVERS fraudulently executed a return of service @ address : XXXX XXXX XXXX NWCenter Point, AL XXXX naming a friend as the recipient accepting for Affiant at an address that is not Affiants dwelling house or usual place of abode and is unauthorized to accept for Affiant in violation of ALABAMA RULES OF CIVIL PROCEDURE 4 ( c ) ( 1 ) ; XXXX failed to prove sufficient information to show the person served qualifies as a person to be served for the defendant under Rule XXXX ( c ) ; XXXX failed XXXX personally endorse these facts, as required by ALABAMA RULES OF CIVIL PROCEDURE 4 ( i ) ( 1 ) ( c ) : When the copy of the process has been delivered, the person serving process shall endorse that fact on the return copy of the process On XX/XX/XXXX RETURN ON SERVICE fraudulently states SERVED, without a return of service on file from process server, filed @ XXXX XXXX  ; ORDER SETTING CASE FOR TRIAL on XX/XX/XXXX reflects there being no serviceshown in court file ; case set for Trial on XX/XX/XXXX @ XXXX XXXX ; New Case Number XXXX ; filed @ XXXX XXXX  On XX/XX/XXXX a new case # : XXXX ; a CHILD SUPPORT-OBLIGATION INCOME STATEMENT/AFFIDAVIT was fraudulently completed by XXXX XXXX, a notary/clerk/DHR worker, who acted as the Affiant in completing said form XXXX she did not sign the notary/clerk section on the form which would require a Defendant, but signed in said capacity on the identical form marked for Plaintiff ; she fraudulently used Affiants private and personal information without authorization or knowledge of Affiant misrepresenting information presented in proceedings against the Affiant that caused injury ; On the CHILD-SUPPORT GUIDELINES form XXXX XXXX fraudulently misrepresented Affiants personal information for purposes of gaining a financial incentive and with knowledge that this misrepresentation of information would depoAffiant of rights and property ; on the CHILD-SUPPORT GUIDELINES NOTICE OF COMPLIANCE it was fraudulently entered that Affiant was a party supplying information on aforementioned forms fraudulently misusing proceedings and procedures as set out in Rule 32, ALABAMA RULES OF JUDICIAL ADMINISTRATION by stating have been followed and applied ; XXXX XXXX CLERK & REGISTER stamped in space designated for Signature of Defendant & Signature of Defendants Attorney ; fraudulently entered Affiants address ; fraudulently listed the telephone for XXXX XXXX XXXX Attorney as the number for DHR ; the child-support guidelines, as set out by the ALABAMA RULES OF JUDICIAL ADMINISTRATION, have not been followed and applied in XXXX faith On XX/XX/XXXX REFEREES FINDINGS AND RECOMMENDATIONS for a Default ModificatioXXXX fraudulently stated Affiant reached this agreement in Open Court ; ordered an income withholding order to be served in the amount of {$730.00} per month beginning XX/XX/XXXX ; arrears listed as {$12000.00}, interest at XXXX total {$14000.00} as of XX/XX/XXXX ; fraudulently listed Affiants address ; in the Findings & Recommendations/ Agreement and other information for formal Order it states Guidelines followed {$730.00} current support, states Affiant was served- XXXX ; Affiant did not receive a copy of said Findings ; set for review XX/XX/XXXX ; REFEREE XXXX XXXX XXXX ; formal order drawn up by XXXX XXXX ; filed XX/XX/XXXX XXXX DHR Worker signed as XXXX XXXX On XXXX XXXX addressed to an evidently erroneous address was returned to XXXX XXXX CLERK OF XXXX XXXX XXXX XXXX XXXX for the Default Modification with the notices across the envelope stating : Return To Sender Dont Stay Here Wrong Address No one here with this XXXX XXXX XX/XX/XXXX @ XXXX XXXX  XXXX XXXX XXXX XXXX is filed ; this is inconsistent with the Case No. : XXXX which the ORDER OF MODIFICATION BY DEFAULT is identified ; the said ORDER falsely states that Affiant failed to appear after being served by Personal service; section A misrepresents Affiant as Defendant and fraudulently claims Affiant to be the parent of XXXX persons unknown to Affiant and without a contract to substantiate claims Affiant owes a duty XXXX support and maintenance to said minor children this is completely absurd and injurious ; ( B ) states that Affiant was ordered on XX/XX/XXXX, to pay child support in the amount of {$430.00} per month the referenced case # XXXX was closed XX/XX/XXXX so lawfully that order is null and void ; ( D ) states that Affiant is liable to the Plaintiff in the amount of {$14000.00} for arrears monies from a closed case ; these so called findings are found with the hopes of being incentivized by receiving federal money for the collection of child support, not for the benefit of the children, but for the benefit of the programs agents and administration Child Support Enforcement Agencies are debt collectors The Fair Debt Collection Practices Act ( FDCPA ) defines a debt collector as a person or company that regularly collects debts owed to others, usually when those debts are past-due. This includes collection agencies or lawyers who collect debts as part of their business. The FDCPA also defines a debt collector as any person who uses the mails or interstate commerce to collect debts According to the Consumer Financial Protection Bureau ( CPFB ), Section 1006.2 ( h ) of the Fair Debt Collection Practices Act ( FDCPA ) defines debt as \" any obligation or alleged obligation of a consumer to pay money arising out of a transaction ''. There is no transaction between XXXX and those acting in concert as parties to an alleged obligation. The aforementioned parties have no AUTHORIZED contracts with XXXX to present as proof. XXXX thus cant be named as an obligor on a fraudulently filed XXXX XXXX statement claiming a lien on the Social Security Account XXXX that XXXX holds in due course. XXXX is not in debt or indebted to the said parties. \nThe XXXX XXXX XXXX XXXX XXXX XXXX, ALABAMA is being used by agents of the Social Security Acts Title IV-D Program in concert with the CHILD SUPPORT ENFORCEMENT AGENCY and acting UNDER XXXX OF LAW by taking advantage of their office to misrepresent that they are actually not acting in their official capacity but as partners in an unofficial capacity. \nThese are VIOLATIONs of FDCPA 802 ( a ), 805, 807 ( 1 ), ( 2 ), ( 4 ), ( 5 ), ( 7 ), ( 8 ), ( 9 ), ( 10 ), ( 13 ), & ( 14 ) ,808, & 809 ; U.S.C. 1692 but not limited to ; The said persons acting in a financial nature are guilty of violating 15 U.S.C. 6801 & 6802 for the disclosure of Affiants non public information to third parties without the obligatory disclosures to Affiant Affiant has notified the credit reporting agencies, Experian, XXXX, & XXXX, about this account and they each removed it in XXXX and subsequently put it back on Affiants consumer report in violation of 15 U.S.C. 1681 604 ( 2 ) Furnishers have violated 15 U.S.C. 1681 ( s ) ( 2 ) ( a ) ( 1 ) by ignoring fraud report and the original removal purposes Credit reporting agencies failed to comply with FCRA 607 ( a ) & ( b ) accuracy of report obligation by re-entering false information onto Affiants consumer report and failing to disclose investigative methods when requested by Affiant in violation of FCRA 606 ( b ) Credit reporting agencies have re-entered erroneous and fraudulent information onto Affiants consumer report and exposed consumer injury by violating 15 U.S.C. 1681 602 Credit reporting Agencies have violated permissible purposes of consumer report as codified in 15 U.S.C. 1681 ( b ) by not acting in accordance to Affiants written instruction as a consumer to remove the fraudulent and erroneous entry Data furnishers to the Credit reporting agencies have violated 12 CFR 1006.30 ( i ) & ( ii ) There was a failure to comply with 12 CFR 1006.34 ( c ) after written request from Affiant to validate debt The violation of 15 U.S.C. 45 ( a ) by causing the denial of XXXX passport due to acts in violation of said act Please Cease and Desist all communications and attempts to contact XXXX, immediately. \nXX/XX/XXXX Affiant was informed of ineligibility to receive a U. 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Passport because of owed child support payments The information is not related to any transaction of Affiant as a consumer and should be blocked in accordance to FCRA 605 B","date_sent_to_company":"2024-05-19T11:46:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"322XX","tags":null,"has_narrative":true,"complaint_id":"9046395","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-05-19T11:46:57.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX case came before the <em>court</em> and there <em>being</em> no service shown on the <em>court</em> file ; case was set for XX/XX/XXXX @ XXXX On XX/XX/XXXX there <em>being</em> no file of service upon Affiant, the <em>court</em> fraudulently entered for the record that service on the Affiant was shown in <em>court</em> file ; case was set for trial on XX/XX/XXXX @ XXXX On XX/XX/XXXX there <em>being</em> no file of service upon Affiant, the <em>court</em> fraudulently entered for the record that service on the Affiant was shown in <em>court</em> file ; case was set"]},"sort":[14.8509655,"9046395"]},{"_index":"complaint-public-v1","_id":"9046396","_score":14.810941,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Case # XXXX was closed XX/XX/XXXX. \nHarassment ensued after the case closure XX/XX/XXXX, XX/XX/XXXX, no service performed On XX/XX/XXXX it is fraudulently entered into court records that Affiant appeared for hearing and requested genetic testing setting case for trial/testing on XX/XX/XXXX @ XXXX On XX/XX/XXXX it is fraudulently entered by attorney for XXXX XXXX XXXX in XXXX XXXX that Affiant was served in open court and refused to sign service delivery and case was set for XX/XX/XXXX XX/XX/XXXX Affiant was informed by a coworker that he saw something on social media that has Affiants name being drug through the mud and informed Affiant of proceedings and how to get informed ; Affiant requested evidence of claim against the legal person of Affiant that resulted in the deprivation of rights and property or that all judgements be dismissed, all finances stolen be returned from unlawful garnishments, the collection account be removed from consumer file and reimbursement for all costs incurred in association of said actions totaling, at the time, {$15000.00}. \nOn XX/XX/XXXX case came before the court and there being no service shown on the court file ; case was set for XX/XX/XXXX @ XXXX On XX/XX/XXXX there being no file of service upon Affiant, the court fraudulently entered for the record that service on the Affiant was shown in court file ; case was set for trial on XX/XX/XXXX @ XXXX On XX/XX/XXXX there being no file of service upon Affiant, the court fraudulently entered for the record that service on the Affiant was shown in court file ; case was set for trial on XX/XX/XXXX @ XXXX On XX/XX/XXXX ORDER DISMISSINGCASE # XXXX On XX/XX/XXXX a DOMESTIC RELATIONS/CHILD SUPPORT INFORMATION SHEET was completed by XXXX XXXX, an intervening party XXXX XXXX the DEPARTMENT OF HUMAN SERVICES CHILD SUPPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX knowledge, or authorization with the intent to deprive Affiant of privacy, property, and other reserved rights and fraudulently make Affiant a party to those matters XXXX fraudulently entered an incorrect birthday for Affiant ; New Case # : XXXX ; communicated fraudulent debt to third party without permission in violation of Affiants Consumer rights On XX/XX/XXXX @ XXXX XXXX a complaint was filed for ( new ) case XXXX and a SUMMONS was commanded to be served upon Affiant by ANY SHERIFF OR ANY PERSON AUTHORIZED BY THE ALABAMA RULES OF CIVIL PROCEDURE TO SERVE PROCESS On XX/XX/XXXX case came before the court for an ORDER SETTING CASE FOR REVIEW OF SERVICE; there being no service case was set on a Call Docket for review of Service on XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XXXX is the end of the lawful time of 60 days to serve. In accordance with ALABAMA RULES OF CIVIL PROCEDURE 4 ( i ) ( D ) Failure of Service. When the person serving process is unable to serve a copy of the process within XXXX ( XXXX ) days from issuance of the process by the clerk of court, the person serving process shall endorse that fact and the reason therefor on the process and return the process and copies to the clerk, who shall make the appropriate entry on the docket sheet and the electronic record relating to the action ; XXXX XXXX XXXX XXXX CLERK and the person serving process failed to comply with the requirements of ALABAMA LAW On XX/XX/XXXX PROSERVE PROCESS SERVERS stamped Failed Service Return Not at this address Does not live at service address ; server did not comply with ALABAMA RULES OF CIVIL PROCEDURE Rule XXXX On XX/XX/XXXX RETURN ON SERVICE-NOT SERVED was filed @ XXXX XXXX On XX/XX/XXXX XXXX XXXX XXXX XXXX PROCESS SERVERS fraudulently executed a return of service @ address : XXXX XXXX XXXX NWCenter Point, AL XXXX naming a friend as the recipient accepting for Affiant at an address that is not Affiants dwelling house or usual place of abode and is unauthorized to accept for Affiant in violation of ALABAMA RULES OF CIVIL PROCEDURE 4 ( c ) ( 1 ) ; Paige failed to prove sufficient information to show the person served qualifies as a person to be served for the defendant under Rule 4 ( c ) ; Paige failed to personally endorse these facts, as required by ALABAMA RULES OF CIVIL PROCEDURE 4 ( i ) ( 1 ) ( c ) : When the copy of the process has been delivered, the person serving process shall endorse that fact on the return copy of the process On XX/XX/XXXX RETURN ON SERVICE fraudulently states SERVED, without a return of service on file from process server, filed @ XXXX XXXX ; ORDER SETTING CASE FOR TRIAL on XX/XX/XXXX reflects there being no serviceshown in court file ; case set for Trial on XX/XX/XXXX @ XXXX XXXX ; New Case Number XXXX ; filed @ XXXX XXXX On XX/XX/XXXX a new case # : XXXX ; a CHILD SUPPORT-OBLIGATION INCOME STATEMENT/AFFIDAVIT was fraudulently completed by XXXX XXXX, a notary/clerk/DHR worker, who acted as the Affiant in completing said form XXXX she did not sign the notary/clerk section on the form which would require a Defendant, but signed in said capacity on the identical form marked for Plaintiff ; she fraudulently used Affiants private and personal information without authorization or knowledge of Affiant misrepresenting information presented in proceedings against the Affiant that caused injury ; On the CHILD-SUPPORT GUIDELINES form XXXX XXXX fraudulently misrepresented Affiants personal information for purposes of gaining a financial incentive and with XXXX XXXX this misrepresentation of information would depoAffiant of rights and property ; on the CHILD-SUPPORT GUIDELINES NOTICE OF COMPLIANCE it was fraudulently entered that Affiant was a party supplying information on aforementioned forms fraudulently misusing proceedings and procedures as set out in XXXX XXXX, ALABAMA RULES OF JUDICIAL ADMINISTRATION by stating have been followed and applied ; XXXX XXXX CLERK & REGISTER XXXX in space designated for Signature of Defendant & Signature of Defendants Attorney XXXX XXXX XXXX XXXX XXXX ; fraudulently listed the telephone for XXXX XXXX XXXX Attorney as the number for DHR ; the child-support guidelines, as set out by the ALABAMA RULES OF JUDICIAL ADMINISTRATION, have not been followed and applied in XXXX faith On XX/XX/XXXX REFEREES FINDINGS AND XXXX for XXXX XXXX XXXX fraudulently stated Affiant reached this agreement in Open Court ; ordered an income withholding order to be served in the amount of {$730.00} per month beginning XX/XX/XXXX ; arrears listed as {$12000.00}, interest at XXXX total {$14000.00} as of XX/XX/XXXX ; fraudulently listed Affiants address ; in the Findings & Recommendations/ Agreement and other information for formal Order it states Guidelines followed {$730.00} current support, states Affiant was served- XXXX ; Affiant did not receive a copy of said Findings ; set for review XX/XX/XXXX ; REFEREE XXXX XXXX XXXX ; formal order drawn up by XXXX XXXX ; filed XX/XX/XXXX XXXX DHR Worker signed as XXXX XXXX On XXXX XXXX addressed to an evidently erroneous address was XXXX XXXX XXXX XXXX CLERK OF XXXX XXXX XXXX XXXX XXXX for the Default Modification with the notices XXXX XXXX envelope stating : Return To Sender Dont Stay Here Wrong Address No one here with this XXXX XXXX XX/XX/XXXX @ XXXXXXXX XXXX  XXXX XXXX XXXX XXXX is filed ; this is inconsistent with the Case No. : XXXX which the ORDER OF MODIFICATION BY DEFAULT is identified ; the said ORDER falsely states that Affiant failed to appear after being served by Personal service; section A misrepresents Affiant as Defendant and fraudulently claims Affiant to be the parent of XXXX persons unknown to Affiant and without a contract to substantiate claims Affiant owes a duty XXXX support and maintenance to said minor children this is completely absurd and injurious ; ( B ) states that Affiant was ordered on XX/XX/XXXX, to pay child support in the amount of {$430.00} per month the referenced case # XXXX was closed XX/XX/XXXX so lawfully that order is null and void ; ( D ) states that Affiant is liable to the Plaintiff in the amount of {$14000.00} for arrears monies from a closed case ; these so called findings are found with the hopes of being incentivized by receiving federal money for the collection of child support, not for the benefit of the children, but for the benefit of the programs agents and administration Child Support Enforcement Agencies are debt collectors The Fair Debt Collection Practices Act ( FDCPA ) defines a debt collector as a person or company that regularly collects debts owed to others, usually when those debts are past-due. This includes collection agencies or lawyers who collect debts as part of their business. The FDCPA also defines a debt collector as any person who uses the mails or interstate commerce to collect debts According to the Consumer Financial Protection Bureau ( CPFB ), Section 1006.2 ( h ) of the Fair Debt Collection Practices Act ( FDCPA ) defines debt as \" any obligation or alleged obligation of a consumer to pay money arising out of a transaction ''. There is no transaction between XXXX  and those acting in concert as parties to an alleged obligation. The aforementioned parties have no AUTHORIZED contracts with XXXX to present as proof. XXXX thus cant be named as an obligor on a fraudulently filed XXXX XXXX statement claiming a lien on the Social Security Account XXXX that XXXX holds in due course. XXXX is not in debt or indebted to the said parties. \nThe XXXX XXXX XXXX XXXX XXXX XXXX, ALABAMA is being used by agents of the Social Security Acts Title IV-D Program in concert with the CHILD SUPPORT ENFORCEMENT AGENCY and acting UNDER XXXX OF LAW by taking advantage of their office to misrepresent that they are actually not acting in their official capacity but as partners in an unofficial capacity. \nThese are VIOLATIONs of FDCPA 802 ( a ), 805, 807 ( 1 ), ( 2 ), ( 4 ), ( 5 ), ( 7 ), ( 8 ), ( 9 ), ( 10 ), ( 13 ), & ( 14 ) ,808, & 809 ; U.S.C. 1692 but not limited to ; The said persons acting in a financial nature are guilty of violating 15 U.S.C. 6801 & 6802 for the disclosure of Affiants non public information to third parties without the obligatory disclosures to Affiant Affiant has notified the credit reporting agencies, XXXX, XXXX, & Transunion, about this account and they each removed it in XXXX and subsequently put it back on Affiants consumer report in violation of 15 U.S.C. 1681 604 ( 2 ) Furnishers have violated 15 U.S.C. 1681 ( s ) ( 2 ) ( a ) ( 1 ) by ignoring fraud report and the original removal purposes Credit reporting agencies failed to comply with FCRA 607 ( a ) & ( b ) accuracy of report obligation by re-entering false information onto Affiants consumer report and failing to disclose investigative methods when requested by Affiant in violation of FCRA 606 ( b ) Credit reporting agencies have re-entered erroneous and fraudulent information onto Affiants consumer report and exposed consumer injury by violating 15 U.S.C. 1681 602 Credit reporting Agencies have violated permissible purposes of consumer report as codified in 15 U.S.C. 1681 ( b ) by not acting in accordance to Affiants written instruction as a consumer to remove the fraudulent and erroneous entry Data furnishers to the Credit reporting agencies have violated 12 CFR 1006.30 ( i ) & ( ii ) There was a failure to comply with 12 CFR 1006.34 ( c ) after written request from Affiant to validate debt The violation of 15 U.S.C. 45 ( a ) by causing the denial of XXXX passport due to acts in violation of said act Please Cease and Desist all communications and attempts to contact XXXX, immediately. \nXX/XX/XXXX Affiant was informed of ineligibility to receive a U. 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Passport because of owed child support payments The information is not related to any transaction of Affiant as a consumer and should be blocked in accordance to FCRA 605 B","date_sent_to_company":"2024-05-19T11:46:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"322XX","tags":null,"has_narrative":true,"complaint_id":"9046396","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-05-19T11:46:57.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX case came before the <em>court</em> and there <em>being</em> no service shown on the <em>court</em> file ; case was set for XX/XX/XXXX @ XXXX On XX/XX/XXXX there <em>being</em> no file of service upon Affiant, the <em>court</em> fraudulently entered for the record that service on the Affiant was shown in <em>court</em> file ; case was set for trial on XX/XX/XXXX @ XXXX On XX/XX/XXXX there <em>being</em> no file of service upon Affiant, the <em>court</em> fraudulently entered for the record that service on the Affiant was shown in <em>court</em> file ; case was set"]},"sort":[14.810941,"9046396"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":64,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":64}]}},"product":{"doc_count":64,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":34,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":13},{"key":"I do not know","doc_count":7},{"key":"Credit card","doc_count":5},{"key":"Other debt","doc_count":5},{"key":"Auto 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