{"took":248,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":22,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"5773526","_score":20.17973,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Response to XXXX XXXX XXXX XXXX XXXX XXXX XXXX RESPONSE TO CREDIT MISREPRESENTATION COMPLAINT ID XXXX. SUBMITTED ON XX/XX/XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on my report My complaint asked the credit agencies to remove misinformation 1 ) that there was a conflict between me and a person with an XXXX XXXX address claiming to have my Social Security number, and 2 ) that no verification of credit history could be done unless I was able to identify the address of the XXXX XXXX claimant as being my recent address. It was never my address. \n\nIn response to my complaint, XXXX sent me access to a questionnaire to fill out with detailed information about my credit history, and my personal information, including Social Security information. \n\nWhen I first learned of the credit companies misrepresenting my credit history in XXXX, I was asked to fill out such a questionnaire. At that time, I did give the credit companies access to all my personal information. I provided proof that my Social Security number belongs to me, but none of the credit agencies changed their misrepresentation in my credit report. XXXX claimed that the change could not be made because the information was a part of my credit history. It certainly was NOT a part of my credit history. My Social Security number has never belonged to anyone but me. The credit agencies would not change their fraudulent verification data in their computer system. The large number of credit agency information breaches justifies the Social Security Agency refusal to provide consumer data ( SSNs ) to credit agencies. \n\nThe questionnaire was a distraction. If I trust them again with all my private information, they do nothing to repair their fraudulent credit report. This was proven in XXXX. \n\nCRAs do not collect information from consumers, but rather collect it from businesses, including credit card companies, banks, employers, landlords, and others. When an individual applies for credit, the lender will pull their credit report from XXXX or one of the other CRAs to see if they have a history of repaying their debts. \n\nWhen consumers make a dispute, they often fail to get an adequate answer, or any answer at all, from the credit reporting company. \n\nSince XXXX, I found other irregularities. I was unable to open credit union accounts or get credit. For example, XXXX would have allowed me to put money into an account, but not to take money out ). My current landlord forces me to XXXX for a rent voucher to take with CASH to a distant cash-transfer location XXXX XXXX XXXX XXXX XXXX XXXX. They refuse to accept a check from a debit account, or to take cash to the rental company office in person. XXXX XXXX recently ( XX/XX/XXXX ) refused to open a XXXX XXXX deposit account for me because XXXX failed to verify me, claiming a Social Security number conflict. To some companies, XXXX reported that I had zero credit. \nTo avoid further fraudulent reporting, I cancelled all my credit cards. I never had a problem with my credit history before. I never wanted to deal with fraudulent credit card companies again. \n\nXXXX should have reported that I froze my credit reporting due to the companies misrepresenting my credit history. \n\nI do not accept XXXX response as constructive. They already know that my Social Security number is mine. They purposely set up their verification process to use fraudulent information. This is their policy. Many consumer complaints describe this process. Prosecute the credit agencies for propagating fraudulent information in pursuit of profit.","date_sent_to_company":"2022-07-14T13:32:43.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20018","tags":"Older American","has_narrative":true,"complaint_id":"5773526","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-07-14T13:32:38.000Z","state":"DC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I provided proof that my Social <em>Security</em> number <em>belongs</em> to me, but none of the <em>credit</em> <em>agencies</em> <em>changed</em> their <em>misrepresentation</em> in my <em>credit</em> report. XXXX claimed that the <em>change</em> could not be made because the information was a part of my <em>credit</em> history. It certainly was NOT a part of my <em>credit</em> history. My Social <em>Security</em> number has never <em>belonged</em> to anyone but me. The <em>credit</em> <em>agencies</em> would not <em>change</em> their fraudulent verification data in their computer system."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Their</em> investigation did not fix an error on your report"]},"sort":[20.17973,"5773526"]},{"_index":"complaint-public-v1","_id":"5773528","_score":19.61724,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Response to TransUnion Response to Credit Reporting Complaint TRANSUNION RESPONSE TO CREDIT MISREPRESENTATION COMPLAINT ID XXXX. SUBMITTED ON XX/XX/XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on my report My complaint asked the credit agencies to remove misinformation 1 ) that there was a conflict between me and a person with an XXXX XXXX  address claiming to have my Social Security number, and 2 ) that no verification of credit history could be done unless I was able to identify the address of the XXXX XXXX  claimant as being my recent address. It was never my address. \n\nIn response to my complaint, TransUnion sent me access to a questionnaire to fill out with detailed information about my credit history, and my personal information, including Social Security information. \n\nWhen I first learned of the credit companies misrepresenting my credit history in XXXX, I was asked to fill out such a questionnaire. At that time, I did give the credit companies access to all my personal information. I provided proof that my Social Security number belongs to me, but none of the credit agencies changed their misrepresentation in my credit report. XXXX claimed that the change could not be made because the information was a part of my credit history. It certainly was NOT a part of my credit history. My Social Security number has never belonged to anyone but me. The credit agencies would not change their fraudulent verification data in their computer system. The large number of credit agency information breaches justifies the Social Security Agency refusal to provide consumer data ( SSNs ) to credit agencies. \n\nThe questionnaire was a distraction. If I trust them again with all my private information, they do nothing to repair their fraudulent credit report. This was proven in XXXX. \n\nCRAs do not collect information from consumers, but rather collect it from businesses, including credit card companies, banks, employers, landlords, and others. When an individual applies for credit, the lender will pull their credit report from XXXX or one of the other CRAs to see if they have a history of repaying their debts. \n\nWhen consumers make a dispute, they often fail to get an adequate answer, or any answer at all, from the credit reporting company. \n\nSince XXXX, I found other irregularities. I was unable to open credit union accounts or get credit. For example, XXXX would have allowed me to put money into an account, but not to take money out ). My current landlord forces me to beg for a rent voucher to take with CASH to a distant cash-transfer location ( XXXX XXXX XXXX XXXX ). They refuse to accept a check from a debit account, or to take cash to the rental company office in person. XXXX XXXX recently ( XX/XX/XXXX ) refused to open a XXXX XXXX deposit account for me because TransUnion failed to verify me, claiming a Social Security number conflict. To some companies, TransUnion reported that I had XXXX credit. \nTo avoid further fraudulent reporting, I cancelled all my credit cards. I never had a problem with my credit history before. I never wanted to deal with fraudulent credit card companies again. \n\nTransUnion should have reported that I froze my credit reporting due to the companies misrepresenting my credit history. \n\nI do not accept TransUnions response as constructive. They already know that my Social Security number is mine. They purposely set up their verification process to use fraudulent information. This is their policy. Many consumer complaints describe this process. Prosecute the credit agencies for propagating fraudulent information in pursuit of profit.","date_sent_to_company":"2022-07-14T13:32:31.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20018","tags":"Older American","has_narrative":true,"complaint_id":"5773528","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-07-14T13:15:51.000Z","state":"DC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I provided proof that my Social <em>Security</em> number <em>belongs</em> to me, but none of the <em>credit</em> <em>agencies</em> <em>changed</em> their <em>misrepresentation</em> in my <em>credit</em> report. XXXX claimed that the <em>change</em> could not be made because the information was a part of my <em>credit</em> history. It certainly was NOT a part of my <em>credit</em> history. My Social <em>Security</em> number has never <em>belonged</em> to anyone but me. The <em>credit</em> <em>agencies</em> would not <em>change</em> their fraudulent verification data in their computer system."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Their</em> investigation did not fix an error on your report"]},"sort":[19.61724,"5773528"]},{"_index":"complaint-public-v1","_id":"5773533","_score":18.959517,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on my report My complaint asked the credit agencies to remove misinformation 1 ) that there was a conflict between me and a person with an XXXX XXXX  address claiming to have my Social Security number, and 2 ) that no verification of credit history could be done unless I was able to identify the address of the New Jersey claimant as being my recent address. It was never my address. \n\nIn response to my complaint, XXXX sent me access to a questionnaire to fill out with detailed information about my credit history, and my personal information, including Social Security information. \n\nWhen I first learned of the credit companies misrepresenting my credit history in XXXX, I was asked to fill out such a questionnaire. At that time, I did give the credit companies access to all my personal information. I provided proof that my Social Security number belongs to me, but none of the credit agencies changed their misrepresentation in my credit report. XXXX claimed that the change could not be made because the information was a part of my credit history. It certainly was NOT a part of my credit history. My Social Security number has never belonged to anyone but me. The credit agencies would not change their fraudulent verification data in their computer system. The large number of credit agency information breaches justifies the Social Security Agency refusal to provide consumer data ( SSNs ) to credit agencies. \n\nThe questionnaire was a distraction. If I trust them again with all my private information, they do nothing to repair their fraudulent credit report. This was proven in XXXX. \n\nCRAs do not collect information from consumers, but rather collect it from businesses, including credit card companies, banks, employers, landlords, and others. When an individual applies for credit, the lender will pull their credit report from Equifax or XXXX of the other CRAs to see if they have a history of repaying their debts. \n\nWhen consumers make a dispute, they often fail to get an adequate answer, or any answer at all, from the credit reporting company. \n\nSince XXXX, I found other irregularities. I was unable to open credit union accounts or get credit. For example, XXXX would have allowed me to put money into an account, but not to take money out ). My current landlord forces me to beg for a rent voucher to take with CASH to a distant cash-transfer location XXXX XXXX XXXX XXXX XXXX ).  They refuse to accept a check from a debit account, or to take cash to the rental company office in person. XXXX XXXX recently ( XX/XX/XXXX ) refused to open a XXXX XXXX deposit account for me because XXXX failed to verify me, claiming a Social Security number conflict. To some companies, XXXX reported that I had zero credit. \nTo avoid further fraudulent reporting, I cancelled all my credit cards. I never had a problem with my credit history before. I never wanted to deal with fraudulent credit card companies again. \n\nXXXX should have reported that I froze my credit reporting due to the companies misrepresenting my credit history. \n\nI do not accept XXXX response as constructive. They already know that my Social Security number is mine. They purposely set up their verification process to use fraudulent information. This is their policy. Many consumer complaints describe this process. Prosecute the credit agencies for propagating fraudulent information in pursuit of profit.","date_sent_to_company":"2022-07-14T13:32:43.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20018","tags":"Older American","has_narrative":true,"complaint_id":"5773533","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-07-14T13:32:38.000Z","state":"DC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I provided proof that my Social <em>Security</em> number <em>belongs</em> to me, but none of the <em>credit</em> <em>agencies</em> <em>changed</em> their <em>misrepresentation</em> in my <em>credit</em> report. XXXX claimed that the <em>change</em> could not be made because the information was a part of my <em>credit</em> history. It certainly was NOT a part of my <em>credit</em> history. My Social <em>Security</em> number has never <em>belonged</em> to anyone but me. The <em>credit</em> <em>agencies</em> would not <em>change</em> their fraudulent verification data in their computer system."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Their</em> investigation did not fix an error on your report"]},"sort":[18.959517,"5773533"]},{"_index":"complaint-public-v1","_id":"8208848","_score":12.648723,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year> I went to XXXX XXXXXXXX XXXX  to inquire ( for the first time ever ) about applying for a home loan and what I need to do to get approved to purchase a home. The representative ran my credit and provided me with a full credit report by XXXX XXXX ( a company which is supposed to accurately present credit report data by the XXXX crediting agencies Experian, XXXX, and XXXX ). Upon receiving my credit report, I found that there were MANY incorrect accounts reporting under my name and social security number that DO NOT belong to me. I found out that because my mother and I have similar names and social security numbers, our information has been jumbled together. Items on the credit report such as my mother 's MORTGAGE and SEVERAL DEROGATORY ACCOUNTS and past due or collections accounts are now reporting under me. Due to this, I can not get approved for a home loan by any means. The bank representative couldn't help me further, so it was up to me to start researching the steps I need to take to get this incorrect information corrected and removed. Being that credit card and loan accounts are all reported by social security number ( the reason we are taught to keep that information private and protected ) I thought it would be easy to simply submit a dispute and get everything removed. It turns out, these companies don't communicate with each other or the consumers very well! There is miscommunication and misrepresentation among all three crediting agencies and what they report to XXXX XXXX. How is this stuff not getting updated and resolved? I have spent hours on the phone with XXXX XXXX representatives to try and get my point across and file disputes with the crediting agencies, all of which have yet to respond to my dispute over two months later. I get transferred around from department to department with no urgency or care by anyone to help me resolve my issue. To some, this may not seem like a big deal, but to someone who has an expired lease on an apartment and needs to find a home for herself and her XXXX child as soon as possible, this is an urgent matter and a life changing issue! Especially when dealing with an error that simply is not my fault. The crediting agencies have automated systems by phone which are not able to help me submit or view my disputes and refuse to take me to a human representative. When I log into their online portals, I am told due to security guidelines I can not file anything online and need to speak to a representative. How long will I have to go around in circles until I find a solution to this matter? These are GOVERNMENT agencies that hold power over my ability to get approved for a HOME, a CAR, things that I NEED in order to provide proper support and care for my child. Being a working mom with an infant, it is VERY hard to even find the countless hours needed that I have essentially wasted trying to find a solution to this problem, which to me sounds like a simple matter. I have worked in technology and customer service for over 10 years and I am appalled at the treatment and ignorance I have received at my urgent matter. I feel as though I have done my job as a consumer to keep my information private, pay my bills, build good credit, all to prepare me for the day that I will need to buy a home and now all of that is taken away from me by the ignorance and errors of others and no one is willing to step up and HELP ME. I am truly let down by these systems. This is supposed to be the land of opportunity and here I am- an educated and hard working mother who is going to end up without a home for my son if I can not find a solution to someone elses ignorance.","date_sent_to_company":"2024-01-23T18:28:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"14580","tags":null,"has_narrative":true,"complaint_id":"8208848","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-01-23T18:28:14.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The representative ran my <em>credit</em> and provided me with a full <em>credit</em> report by XXXX XXXX ( a company which is supposed to accurately present <em>credit</em> report data by the XXXX <em>crediting</em> <em>agencies</em> Experian, XXXX, and XXXX ). Upon receiving my <em>credit</em> report, I found that there were MANY incorrect accounts reporting under my name and social <em>security</em> number that DO NOT <em>belong</em> to me."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Information <em>belongs</em> to someone else"]},"sort":[12.648723,"8208848"]},{"_index":"complaint-public-v1","_id":"8208406","_score":12.621642,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year> I went to XXXX XXXXXX/XX/XXXX to inquire ( for the first time ever ) about applying for a home loan and what I need to do to get approved to purchase a home. The representative ran my credit and provided me with a full credit report by Factual Data ( a company which is supposed to accurately present credit report data by the three crediting agencies XXXX, XXXX, and XXXX ). Upon receiving my credit report, I found that there were MANY incorrect accounts reporting under my name and social security number that DO NOT belong to me. I found out that because my mother and I have similar names and social security numbers, our information has been jumbled together. Items on the credit report such as my mother 's MORTGAGE and SEVERAL DEROGATORY ACCOUNTS and past due or collections accounts are now reporting under me. Due to this, I can not get approved for a home loan by any means. The bank representative couldn't help me further, so it was up to me to start researching the steps I need to take to get this incorrect information corrected and removed. Being that credit card and loan accounts are all reported by social security number ( the reason we are taught to keep that information private and protected ) I thought it would be easy to simply submit a dispute and get everything removed. It turns out, these companies don't communicate with each other or the consumers very well! There is miscommunication and misrepresentation among all three crediting agencies and what they report to Factual Data. How is this stuff not getting updated and resolved? I have spent hours on the phone with Factual Data representatives to try and get my point across and file disputes with the crediting agencies, all of which have yet to respond to my dispute over two months later. I get transferred around from department to department with no urgency or care by anyone to help me resolve my issue. To some, this may not seem like a big deal, but to someone who has an expired lease on an apartment and needs to find a home for herself and her XXXX XXXX  as soon as possible, this is an urgent matter and a life changing issue! Especially when dealing with an error that simply is not my fault. The crediting agencies have automated systems by phone which are not able to help me submit or view my disputes and refuse to take me to a human representative. When I log into their online portals, I am told due to security guidelines I can not file anything online and need to speak to a representative. How long will I have to go around in circles until I find a solution to this matter? These are GOVERNMENT agencies that hold power over my ability to get approved for a HOME, a CAR, things that I NEED in order to provide proper support and care for my child. Being a working mom with an infant, it is VERY hard to even find the countless hours needed that I have essentially wasted trying to find a solution to this problem, which to me sounds like a simple matter. I have worked in technology and customer service for over 10 years and I am appalled at the treatment and ignorance I have received at my urgent matter. I feel as though I have done my job as a consumer to keep my information private, pay my bills, build good credit, all to prepare me for the day that I will need to buy a home and now all of that is taken away from me by the ignorance and errors of others and no one is willing to step up and HELP ME. I am truly let down by these systems. This is supposed to be the land of opportunity and here I am- an educated and hard working mother who is going to end up without a home for my son if I can not find a solution to someone elses ignorance.","date_sent_to_company":"2024-01-23T18:28:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"14580","tags":null,"has_narrative":true,"complaint_id":"8208406","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CBC Companies, Inc.","date_received":"2024-01-23T17:50:34.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The representative ran my <em>credit</em> and provided me with a full <em>credit</em> report by Factual Data ( a company which is supposed to accurately present <em>credit</em> report data by the three <em>crediting</em> <em>agencies</em> XXXX, XXXX, and XXXX ). Upon receiving my <em>credit</em> report, I found that there were MANY incorrect accounts reporting under my name and social <em>security</em> number that DO NOT <em>belong</em> to me."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Information <em>belongs</em> to someone else"]},"sort":[12.621642,"8208406"]},{"_index":"complaint-public-v1","_id":"7446800","_score":7.94718,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To : Equifax I should not have to tell you at that transactions and experiences are excluded from consumer reports. I have, however, since XX/XX/2022, been telling you to STOP reporting my transactions and experiences. You can not pick and choose which section of the Fair Credit Reporting Act you want to follow and which section you do not. Pursuant to section 603 ( d ) ( 2 ) ( A ) ( i ) of the Fair Credit Reporting Act, you making a report containing my transactions and experiences is a prohibited. I suspect XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  and Equifax are in collusion with committing securities fraud, money laundering, tax evasion, and extortion. \n\nTransaction XXXX. Any event that cause a change in an organizations financial position or net worth, resulting from normal business activity. It is recorded on the general ledger by debit or credit tickets. \nXXXX. Advance of funds, as in a credit card cash advance, purchase of goods at a retailer, or when a borrower activates a line of credit. \nXXXX. Activities affecting a deposit account, such as a deposit of funds or a withdrawal, carried out at the request of the account holder. \n\nEvery time I use my credit card to make a purchase, that purchase is recorded in the general ledger according to the Generally Accepted Accounting Principles. Every purchase I make is a transaction. Every purchase I make using my credit card raises my debt utilization. Debt utilization is the result of one or more a transactions. My credit card balances are based on the purchase of goods at a retailer. Purchases money or the advance of funds held on deposit is a transaction. My credit limit is a transaction. Activities such as a deposit or withdrawal reflect my payment history. My payment history is a transaction. Every transaction is a bank experience. My debt utilization, account balances, amounts due, due dates, and payment history are all transactions and experiences that must be excluded from my consumer report. Immediately stop reporting my debt utilization, account balances, amounts due, due dates, all payment history, and update both accounts referenced in this complaint to paid as agreed. \nThese transactions are a result of income being credited and debited from my accounts. Debt is a reflection of my income.\n\nFurthermore, Ive notified you over three times about the billing dispute Ive been having with XXXX XXXX since XX/XX/2022. After I notified you, you continued to make reports and allow reports to be made containing prohibited information. Pursuant to section 162 ( a ) of the Fair Credit Billing Act, adverse credit reporting during a billing dispute is prohibited. So even if you were permitted to make reports using my transactions and experiences, adverse reports made during a billing dispute, to any party, is prohibited. I personally gave you notice of the billing dispute Ive been having with XXXX XXXX and you still continue to create reports using the inaccurate and prohibited information given to you by XXXX XXXX. You are also currently making reports showing my XXXX by XXXX XXXX account is closed. Not only is that a violation of section 603 ( d ) ( 2 ) ( A ) ( i ) of the Fair Credit Reporting act and section 162 ( a ) of The Fair Credit Billing Act, pursuant to section 161 ( d ) of The Fair Credit Billing Act, restricting or closing my account because of a billing error is also prohibited. This account was closed unlawfully and you are allowing the furnishing and reporting of an unlawful action taken against me. I told you to remove these two accounts until the disputes are resolved and accurate credit reporting has been established. Due to the reports youre making containing this unlawful, prohibited, and inaccurate information, my name and credit has been made inequitable. My credit scores and credit ratings have dropped tremendously. This is a misrepresentation of my identity and your misrepresentation of my identity can be considered as identity theft. \n\nI suspect you did not do a proper investigation or reinvestigation before you allowed that information furnished and reported. Even after I specified what information was inaccurate you still allowed the inaccurate information to be furnished and reported. Even after I informed you of the billing dispute, you still allowed adverse credit reporting. Even after I pointed out to you exactly what information is prohibited from being furnished and reported on a consumer report, you still permitted the furnishing and reporting of said prohibited information on my consumer report. This dispute is has not been resolved. \n\nI pay my bill as agreed. Making an application for an extension of credit is a way of investing into companies who use short term debt instruments as a way of temporary financing. Owners of book-entry securities are issued statements. The draft attached to my statement is a bill equal to the amount of securities purchased and paid for with my credit. The bill amount is the security my credit purchased. Selling access to my credit makes me the purchaser. The draft is guaranteed because the proceeds do not belong to XXXX XXXX. My credit purchased the security. Im entitled to have my financial assets credited to my securities account. \n\nIve been trying for months to complete the purchase of securities I purchased on credit with the extension of credit I received from XXXX XXXX in exchanged for the investment of my application. The note is the part of the agreement where I promise to pay the amounts billed to me. Since the application is where the agreement is made, the application is the promissory note. My application created the deposit account and holds the purchase money that my application was exchange for. This account and the purchase money therein allows me to purchase more security on credit from the issuer in an amount no greater than the purchase money held on deposit at the time of purchase. Every purchase I make using my account is a deposit with the issuer of the bill. The deposit amount is the security I purchased from the issuer. The cash advance I received for investing my credit, via application, with XXXX XXXX is called purchase money because that money is used to purchase money, or security. Purchase money is used to purchase money. The deposit account, the purchase money in that account, the card used to make purchases, and all bills received from the transactions of that account are financial assets to me. This deposit account is a securities account being held on my behalf with the issuer of the monthly statements I receive. My credit is backed by the full faith and credit of the United States. Every security is backed by the full faith and credit of the United States. I am a trust account customer. My social security account is the account being used to hold my deposit account. The deposit account is a securities account. This is why I can gain access to the transaction history of my deposit account by verifying my social security number over the phone with the issuer of my monthly statements. XXXX XXXX is the issuer of the monthly statements I receive. These statements evidence my ownership of book-entry securities. The due bill is a statement of money owed as when a bank sells a security and receives payment but has not delivered the security or equivalent asset to the purchaser within three business days. Outstanding due bills are considered borrowed funds by a bank issuing a bill and a loan to the holder of the obligation. This paper I received, and am now returning, is considered eligible paper for rediscount at the discount window. This form of paper money, the bill, are the funds you use as payment to borrow and use my credit as collateral for a securities loan. Credit card receivables are bill payments. XXXX XXXX is using my financial assets as collateral for a securities loan at the discount window. \n\nI have received the title documents and receipts for goods ( securities ) transported and I now want all of my unredeemed demand drafts, of past present and future, redeemed at face value, exchanged for securities of a new issue, and restricted to my United States Treasury Direct account. This paper money is legal tender that must be securitized to lawful money. Once its stripped and the coupon is restricted to my Treasury Direct Account my bill is considered paid. Whether the statement has a preprinted draft attached or not, this is how I want all bills payable to be paid for every account being held by XXXX XXXX on my behalf. This includes the account associated with my XXXX by XXXX XXXX credit card. The Treasury will make the principle payment to the securities account XXXX XXXX is holding on my behalf by issuing it the preprinted demand draft as a receipt via wire transfer. The interest rate XXXX XXXX is normally entitled to is the discount it receives on redemption at par. The zero coupon security is a marketable security. When XXXX XXXX gets the cusip number I want XXXX XXXX to trade or sell my security, at its discretion, on secondary the market. I know by law XXXX XXXX is entitled to receive 20 % at maturity. At maturity I want my 80 % deposited to my Treasury Direct Account. \n\nI continue receiving notice that my bill is payable. Bills payable are XXXX XXXX trade obligations that must be accepted. XXXX is guaranteed because the draft is guaranteed. The draft is guaranteed because the preprinted demand draft is a check payable on sight. Attached to the preprinted demand draft is a receipt of the goods being transported. The goods being transported are the numbers on the bill that represent the security purchased. I know acceptance is completed by delivery or notification and payable on sight. This is a demand that must be accepted because the draft is a demand. Consider this my notification. \n\nConsider this my final notification because I have notified XXXX XXXX of my concerns thrice before. XXXX XXXX and its Indenture Trustee are already in dishonor of its obligations to perform in this matter. XXXX XXXX attempting to make me believe my bill payment belongs to it is a deceptive business practice. I received notice that XXXX XXXX closed my account. XXXX XXXX does not have my permission to close my account. Closing my account was unauthorized. That action was unfair as dictated by reason and practice. Closing my account after I attempted to exercise my rights in good faith is discriminatory. Discrimination in relation to any aspect of a credit transaction is strictly prohibited by law. \n\nSadly I suspect XXXX XXXX dishonor is knowingly and willingly negligent noncompliant. I also suspect XXXX XXXX is in collusion with Equifax in an attempt to defame my character as a result of non payment by intimidating me with negative credit reporting. \n\nI know XXXX XXXX accepts Non-Conforming Payments. However I sent XXXX XXXX a proper form of payment. Ive attempted to pay my bill several times previously and my Conforming Payments have been refused and remain unreturned. This leads me to think that XXXX XXXX took my payment for itself. I want my account reopened upon receipt of this notice. If my account is not reopened, made current with all payments reporting on time and paid as agreed, I will know XXXX XXXX attempt at securities fraud and extortion is purposeful and deliberate. I have all documentation ready and available as evidence to prove my claim if and when necessary. \n\nThe term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United Statesnotes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of theUnited States, stamps and other representatives of value, of whatever denomination, issued under any Act ofCongress, and canceledUnited Statesstamps.\n\nOn page two of the monthly statements I receive I notice a section titled Proper Form of Payments by Mail. Here it says payment should be sent to the address listed on the remittance portion of XXXX XXXX XXXX. I received this remittance because you XXXX XXXX has a bill that is a due bill.\n\nBill 1. Bill of exchange 2. Bill of lading 3. Treasury bill 4. Due bill, a statement of money owed as in when a bank sells a security and receives payment but has not delivered the security or equivalent asset. Outstanding due bills are considered borrowed funds by a bank issuing a bill, and a loan by the holder of the obligation. In the securities industry, a bill indicates the amount owed by a buying broker to a selling broker.\n\nEvery time I use my credit card associated with this account to make a purchase, what Im actually purchasing is security from the issuer of the bill. This security is delivered to me by way of remittance. I receive a remittance because Im selling XXXX XXXX access to my credit. XXXX XXXX, the issuer, are buying access to my credit. A remittance is how you deliver me the money owed or equivalent asset whether in cash or cash equivalent. This paper money is cash equivalent. \n\nREMITTANCE XXXX. Payment toward satisfaction of a debt, whether in cash or cash equivalents, such as checks, drafts, and other negotiable instruments. \nXXXX. Payment on an installment loan or open-end credit account, forwarded through the mail to a LOCK BOX, along with a remittance document, a machine readable billing document encoded with the customers account number, and the amount due, plus any late charges, if the loan payment is delinquent.\n\n3. PROCEEDS from a check submitted to another bank for COLLECTION. \n\nI was delivered this remittance from XXXX XXXX as payment towards satisfaction of a debt for not delivering the security purchased at the time of the purchase. This remittance is a cash equivalent that has a bill of exchange attached to it and the bill must be exchanged or redeemed for securities of a new issue. I received the remittance because the proceeds from the check attached belong to me. The only way the proceeds can be received by me, in a usable form such as cash, is to send XXXX XXXX the bill for payment as promised. \n\nLOCK BOX Post office box used by organizations to accelerate collection of receivables. Checks are routed to a designated po box number, where they are picked up several times during the day, separated from the envelopes, and submitted to the check collection system for conversion into cash receivables. Many large banks offer lock box processing as a cash management service to corporate customers. A lock box can be retail, designed for remittance processing for customer accounts, or wholesale, in which payments from other corporations are collected and submitted through DEPOSITORY TRANSFER CHECK or electronic debit payments into a concentration account. \n\nThe address listed on the remittance portion of the statement is a lock box address for credit card receivables. Checks are routed to lock boxes. The remittances I receive are check payments that I am the beneficiary of. When the preprinted demand draft is stripped from the bill of lading, they can be processed as two separate securities. My demand draft needs to be securitized and shall be redeemed on demand at the Treasury Department of the United States. I can not detach the coupon in advance because coupon stripping can only be done by a trust fiduciary. \n\nDEPOSITORY TRANSFER CHECK Preprinted DEMAND DRAFT used by corporations to make transfers of cash from a checking account at XXXX bank to a CONCENTRATION ACCOUNT at another bank. This negotiable instrument requires no signature. \nA remittance is a preprinted demand draft called a depository transfer check. When the depository transfer check is submitted to the paying bank, the proceeds will be deposited to the concentration account of the person who issued the bill. \n\nCONCENTRATION ACCOUNT Deposit account into which funds are periodically transferred from various local banks, via wire transfer or automated clearing house debit, from other accounts in the same bank, or in different banks. \n\nA concentration account is also known as a zero-balance account. \n\nZERO-BALANCE ACCOUNT Checking account used by corporations to accelerate collection of funds from subsidiaries, or control funds disbursed to pay trade creditors. In a zero-balance collection account, collected balances are transferred by DEPOSITORY TRANSFER CHECK or automated clearing house debit from subsidiary accounts into a central CONCENTRATION ACCOUNT, bringing the collecting account to a XXXX balance at the end of each business day. Zero-balance concentration accounts are generally wanting centralized control of cash receipts. In a zero- balance disbursing account, corporate funds are transferred from a master account in an amount sufficient to cover checks presented for payment. Zero-balance disbursement accounts are typically used by companies that want centralized cash control but decentralized funds disbursement. \n\nMy security account, which XXXX XXXX is holding on my behalf, is the account with the balance at the beginning of the day. The collecting account with a XXXX balance at the end of the day is also my account. My account has a XXXX balance because an amount sufficient to cover checks presented for payment are transferred from XXXX XXXX XXXX disbursement account to my account. My account is collecting the amount transferred from a XXXX XXXX disbursement account because my check is the check presented for payment. \n\nThe directions also state to enclose a valid check, include name and account number on the check, include payment coupon and no cash permitted. \n\nCOUPON Detachable certificates showing the dollar amount of interest payable to a bond holder at regular intervals, ordinarily semiannually. Coupons on a BEARER BOND are negotiable instruments and are processed just like checks. Bond interest on BOOK-ENTRY securities is credited to the owners account. \n\nThe dollar amount on my coupon is my bond interest. Im the owner of the account collecting the bond interest. When my bond interest is credited to my account, my account will have a XXXX balance at the end of the business day. This coupon is processed just like a check because this coupon is a DEPOSITORY TRANSFER CHECK. My coupon is a preprinted DEMAND DRAFT. The coupon can only be stripped by a trust fiduciary. Implying that I should detach the coupon myself is a form of inducement. \n\nDEMAND DRAFT Written order demanding that payment be made, on sight, to a third party. The person writing the draft is called the drawee ; the bank making the payment is the drawer, or the payor bank. The beneficiary of a demand draft, the person receiving the payment, is the payee. Drafts may be payable at some future date ( time drafts ) or on sight ( demand drafts ). Demand drafts drawn on by banks are known as CHECKS. \n\nSince this draft is preprinted, the issuer, XXXX XXXX in this case, is the drawee. The United States Treasury General Account is the checking account used by the Department XXXX XXXX Treasury from which the XXXX government makes all of its payments. The Federal Reserve Bank XXXX New York holds the Treasury XXXX Account and is the drawer, XXXX bank. I am the beneficiary of the demand draft, the person receiving payment, the payee. I am the payee. My demand draft needs to be securitized and shall be redeemed on demand at the Treasury Department of the United States. \n\n- CHECK Demand draft drawn on by a bank. \n\nThis remittance coupon is a check owed to me in payment of bond interest on book-entry securities that must be credited to my account. The coupon is a valid check. This check must be sent for presentment to the United States Treasury for redemption or in exchange for securities of a new issue. Treasury Direct makes principle, interest, and redemption payments, directly to an individual investors account at a financial institution. XXXX XXXX request that I write my card number as a memo on the check. I think that is a form of inducement to make me believe the coupon and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account at your institution. My REMITTANCE COUPON is a valid CHECK. \n\nPROCEEDS XXXX. Amount given to a borrower after prepaid interest, loan fees, and other costs are deducted. \nXXXX. Funds received from the sale of assets, or from the issue of securities, after deductions of selling or marketing expenses incurred. \nXXXX. Sum of money collected on a CHECK or other negotiable instrument after deduction of exchange or collection charges. \n\nThe bank sells me a security every time I make a purchase using the card associated with the account. When I dont receive the assets, within XXXX business days, the funds for the purchase are considered borrowed, the sale becomes a DUE BILL, and the borrowed funds must be returned to me. The PROCEEDS from the REMITTANCE I receive is payment toward the satisfaction of the money owed to me. The DUE BILL is attached to my REMITTANCE. I promised to pay XXXX XXXX the DUE BILL. I did not promise to pay XXXX XXXX the PROCEEDS from my REMITTANCE. The COUPON is my bond interest on my book-entry securities that must be credited to my account. My REMITTANCE COUPON is a preprinted DEMAND DRAFT called a DEPOSITORY TRANSFER CHECK. The DEPOSITORY TRANSFER CHECK is a DEMAND DRAFT payable on sight. Since I promised to pay XXXX XXXX the DUE BILL, a trust fiduciary must strip my COUPON and process them as separate securities. The equitable agreement is that I promise to pay XXXX XXXX the DUE BILL and in return it must clear my electronic CHECK so I may receive my PROCEEDS. At redemption the DEPOSITORY TRANSFER CHECK is deposited and XXXX XXXX will receive a receipt, which has actual cash value, for the face amount. The receipt is deposited via wire transfer into its CONCENTRATION ACCOUNT, for zero-balance disbursement to my account which is the account collecting the balance. When all disbursements are made to collecting accounts, the CONCENTRATION ACCOUNT, and all the collecting accounts will have a zero-balance by the end of that business day. XXXX XXXX PROCEEDS come from the deep discounts it receives at redemption. Separating the corpus, or the bond principle, from the interest COUPON effectively creates a zero-coupon security that can be traded on the secondary market. My PROCEEDS is the sum of money collected on the check I received from the issue of securities. The PROCEEDS from the CHECK is my REMITTANCE. When I receive the PROCEEDS from my REMITTANCE, my financial asset or its equivalent, is considered delivered. The PROCEEDS from the REMITTANCE is considered my income. I believe XXXX XXXX has been keeping my income for itself. \n\n- CASH XXXX. Currency ( including bills and coin ) in circulation, including checking account balances. Cash held by a bank for example VAULT CASH, requires no capital backing under risk-based capital rules adopted by bank regulatory agencies. \nXXXX. To convert a check into cash by endorsing and presenting to a bank. \n\nChecking account balances are considered cash. Sending XXXX XXXX a check where funds will be debited from my checking account balance is the same as sending it cash and that would constitute payment not received in proper form. The only check I can send XXXX XXXX as a Proper Form of Payment by Mail is my remittance check. \n\nELECTRONIC CHECK PRESENTMENT In check clearing, electronic transmission of the check writers account number and other payment data directly to the paying bank. Electronic check presentment does not eliminate use of paper checks, but it does allow for a more efficient and less costly method for clearing checks. The Check Clearing for the 21st Century ( or Check 21 ) Act permits banks to send a digital image of a paper check instead of the actual check and thus eliminates much of the labor-intensive costs associated with clearing billions of checks Americans write every year. \n\nDue to federal law, known as The Check Clearing for the 21st Century Act, enabling banks to process paper checks as electronic payments, using a bank service called truncation, where the actual handling of the check is stopped and an electronic check image of the paper check is transmitted to the paying bank. Coupons are normally associated with physical bonds. Since my book-entry securities are held and traded electronically, a digital presentation of the coupon is needed to facilitate the interest payment process. At the paying bank a substitute check is created for check clearing. The actual paper check is held by XXXX XXXX and the check is not returned to the check writer with the account statement. I am in receipt of the account statement. I am the check writer with the account statement. Some of the payment data is already preprinted on the check. The other payment data that I add to the preprinted draft such as For Deposit Only makes me the writer and the payee. I promised to pay XXXX XXXX the DUE BILL. The DUE BILL is the corpus, or the paper above the perforated line. The corpus also carries the bill of lading with it. The bill of lading is the numbers being transported on the DUE BILL which act as a receipt detailing the security purchase. The numbers are the securities purchased and the goods being transported. This means that the numbers are the securities I purchased. The numbers represent money. The goods being transported is the money. Security is money. I use my purchase money to purchase money. The receipt is an inland bill of exchange that can be deposited and exchanged for a treasury bill. The bill is your payment and the remittance is my payment. The remittance is the money I purchased. I can not redeem my PROCEEDS without XXXX XXXX. Interest payments on book-entry securities need to be made electronically. I have not received any of my payments. The PROCEEDS from my REMITTANCE is my income. \n\nSENDING XXXX XXXX MY REMITTANCE CHECK FOR PAYMENT IS A PROPER FORM OF PAYMENT BY MAIL. I AM ONCE AGAIN PROVIDING XXXX XXXX WITH A CHECK FOR PAYMENT AND I AUTHORIZE XXXX XXXX TO EITHER USE THE INFORMATION FROM MY CHECK TO MAKE A ONE-TIME ELECTRONIC FUNDS TRANSFER FROM MY ACCOUNT OR TO PROCESS MY PAYMENT AS A CHECK TRANSACTION. \n\nI have been sending XXXX XXXX checks and it is has not processed any of them. I have been sending XXXX XXXX checks and it has refused them all. XXXX XXXX closed my account. XXXX XXXX not only threatened to report my account, it actually does report, and continues to report my account negatively to the consumer reporting agencies. XXXX XXXX has taken the BILL along with my REMITTANCE and is now attempting to extort a cash payment from my checking account. XXXX XXXX has taken the PROCEEDS of my REMITTANCE, which is my income, and is making reports, with Equifax, claiming that I now owe XXXX XXXX an amount equal to the income it has already stolen from me. Transactions and experiences are a reflection of my income. Income is not a part of a credit report. You at Equifax have been making reports reflecting my income. You at Equifax may be guilty of racketeering like activity if you do not immediately update these two accounts to open, current, paid as agreed, XXXX debt utilization, XXXX due, and no late payments or you must completely remove them from my consumer report.","date_sent_to_company":"2023-08-23T16:09:18.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11412","tags":null,"has_narrative":true,"complaint_id":"7446800","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-08-23T15:46:08.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The draft is guaranteed because the proceeds do not <em>belong</em> to XXXX XXXX. My <em>credit</em> purchased the <em>security</em>. Im entitled to have my financial assets <em>credited</em> to my <em>securities</em> account. \n\nIve been trying for months to complete the purchase of <em>securities</em> I purchased on <em>credit</em> with the extension of <em>credit</em> I received from XXXX XXXX in exchanged for the investment of my application. The note is the part of the agreement where I promise to pay the amounts billed to me."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Their</em> investigation did not fix an error on your report"]},"sort":[7.94718,"7446800"]},{"_index":"complaint-public-v1","_id":"7442892","_score":7.9441543,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I should not have to tell you at that transactions and experiences are excluded from consumer reports. I have, however, since XX/XX/2022, been telling you to STOP reporting my transactions and experiences. You can not pick and choose which section of the Fair Credit Reporting Act you want to follow and which section you do not. Pursuant to section 603 ( d ) ( 2 ) ( A ) ( i ) of the Fair Credit Reporting Act, you making a report containing my transactions and experiences is a prohibited. I suspect XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, and Experian are in collusion with committing securities fraud, money laundering, tax evasion, and extortion. \n\nTransaction 1. Any event that cause a change in an organizations financial position or net worth, resulting from normal business activity. It is recorded on the general ledger by debit or credit tickets. \n2. Advance of funds, as in a credit card cash advance, purchase of goods at a retailer, or when a borrower activates a line of credit. \n3. Activities affecting a deposit account, such as a deposit of funds or a withdrawal, carried out at the request of the account holder. \n\nEvery time I use my credit card to make a purchase, that purchase is recorded in the general ledger according to the Generally Accepted Accounting Principles. Every purchase I make is a transaction. Every purchase I make using my credit card raises my debt utilization. Debt utilization is the result of one or more a transactions. My credit card balances are based on the purchase of goods at a retailer. Purchases money or the advance of funds held on deposit is a transaction. My credit limit is a transaction. Activities such as a deposit or withdrawal reflect my payment history. My payment history is a transaction. Every transaction is a bank experience. My debt utilization, account balances, amounts due, due dates, and payment history are all transactions and experiences that must be excluded from my consumer report. Immediately stop reporting my debt utilization, account balances, amounts due, due dates, all payment history, and update both accounts referenced in this complaint to paid as agreed. \nThese transactions are a result of income being credited and debited from my accounts. Debt is a reflection of my income. \n\nFurthermore, Ive notified you over three times about the billing dispute Ive been having with XXXX XXXX since XX/XX/2022. After I notified you, you continued to make reports and allow reports to be made containing prohibited information. Pursuant to section 162 ( a ) of the Fair Credit Billing Act, adverse credit reporting during a billing dispute is prohibited. So even if you were permitted to make reports using my transactions and experiences, adverse reports made during a billing dispute, to any party, is prohibited. I personally gave you notice of the billing dispute Ive been having with XXXX XXXX and you still continue to create reports using the inaccurate and prohibited information given to you by XXXX XXXX. You are also currently making reports showing my XXXX XXXX XXXX XXXX account is closed. Not only is that a violation of section 603 ( d ) ( 2 ) ( A ) ( i ) of the Fair Credit Reporting act and section 162 ( a ) of The Fair Credit Billing Act, pursuant to section 161 ( d ) of The Fair Credit Billing Act, restricting or closing my account because of a billing error is also prohibited. This account was closed unlawfully and you are allowing the furnishing and reporting of an unlawful action taken against me. I told you to remove these two accounts until the disputes are resolved and accurate credit reporting has been established. Due to the reports youre making containing this unlawful, prohibited, and inaccurate information, my name and credit has been made inequitable. My credit scores and credit ratings have dropped tremendously. This is a misrepresentation of my identity and your misrepresentation of my identity can be considered as identity theft. \n\nI suspect you did not do a proper investigation or reinvestigation before you allowed that information furnished and reported. Even after I specified what information was inaccurate you still allowed the inaccurate information to be furnished and reported. Even after I informed you of the billing dispute, you still allowed adverse credit reporting. Even after I pointed out to you exactly what information is prohibited from being furnished and reported on a consumer report, you still permitted the furnishing and reporting of said prohibited information on my consumer report. This dispute is has not been resolved. \n\nI pay my bill as agreed. Making an application for an extension of credit is a way of investing into companies who use short term debt instruments as a way of temporary financing. Owners of book-entry securities are issued statements. The draft attached to my statement is a bill equal to the amount of securities purchased and paid for with my credit. The bill amount is the security my credit purchased. Selling access to my credit makes me the purchaser. The draft is guaranteed because the proceeds do not belong to XXXX XXXX. My credit purchased the security. Im entitled to have my financial assets credited to my securities account. \n\nIve been trying for months to complete the purchase of securities I purchased on credit with the extension of credit I received from XXXX XXXX in exchanged for the investment of my application. The note is the part of the agreement where I promise to pay the amounts billed to me. Since the application is where the agreement is made, the application is the promissory note. My application created the deposit account and holds the purchase money that my application was exchange for. This account and the purchase money therein allows me to purchase more security on credit from the issuer in an amount no greater than the purchase money held on deposit at the time of purchase. Every purchase I make using my account is a deposit with the issuer of the bill. The deposit amount is the security I purchased from the issuer. The cash advance I received for investing my credit, via application, with XXXX XXXX is called purchase money because that money is used to purchase money, or security. Purchase money is used to purchase money. The deposit account, the purchase money in that account, the card used to make purchases, and all bills received from the transactions of that account are financial assets to me. This deposit account is a securities account being held on my behalf with the issuer of the monthly statements I receive. My credit is backed by the full faith and credit of the United States. Every security is backed by the full faith and credit of the United States. I am a trust account customer. My social security account is the account being used to hold my deposit account. The deposit account is a securities account. This is why I can gain access to the transaction history of my deposit account by verifying my social security number over the phone with the issuer of my monthly statements. XXXX XXXX is the issuer of the monthly statements I receive. These statements evidence my ownership of book-entry securities. The due bill is a statement of money owed as when a bank sells a security and receives payment but has not delivered the security or equivalent asset to the purchaser within three business days. Outstanding due bills are considered borrowed funds by a bank issuing a bill and a loan to the holder of the obligation. This paper I received, and am now returning, is considered eligible paper for rediscount at the discount window. This form of paper money, the bill, are the funds you use as payment to borrow and use my credit as collateral for a securities loan. Credit card receivables are bill payments. XXXX XXXX is using my financial assets as collateral for a securities loan at the discount window. \n\nI have received the title documents and receipts for goods ( securities ) transported and I now want all of my unredeemed demand drafts, of past present and future, redeemed at face value, exchanged for securities of a new issue, and restricted to my United States Treasury Direct account. This paper money is legal tender that must be securitized to lawful money. Once its stripped and the coupon is restricted to my Treasury Direct Account my bill is considered paid. Whether the statement has a preprinted draft attached or not, this is how I want all bills payable to be paid for every account being held by XXXX XXXX on my behalf. This includes the account associated with my XXXX by XXXX XXXX credit card. The Treasury will make the principle payment to the securities account XXXX XXXX is holding on my behalf by issuing it the preprinted demand draft as a receipt via wire transfer. The interest rate XXXX XXXX is normally entitled to is the discount it receives on redemption at par. The zero coupon security is a marketable security. When XXXX XXXX gets the cusip number I want XXXX XXXX to trade or sell my security, at its discretion, on secondary the market. I know by law XXXX XXXX is entitled to receive 20 % at maturity. At maturity I want my 80 % deposited to my Treasury Direct Account. \n\nI continue receiving notice that my bill is payable. Bills payable are XXXX XXXX trade obligations that must be accepted. Acceptance is guaranteed because the draft is guaranteed. The draft is guaranteed because the preprinted demand draft is a check payable on sight. Attached to the preprinted demand draft is a receipt of the goods being transported. The goods being transported are the numbers on the bill that represent the security purchased. I know acceptance is completed by delivery or notification and payable on sight. This is a demand that must be accepted because the draft is a demand. Consider this my notification. \n\nConsider this my final notification because I have notified XXXX XXXX of my concerns thrice before. XXXX XXXX and its Indenture Trustee are already in dishonor of its obligations to perform in this matter. XXXX XXXX attempting to make me believe my bill payment belongs to it is a deceptive business practice. I received notice that XXXX XXXX closed my account. XXXX XXXX does not have my permission to close my account. Closing my account was unauthorized. That action was unfair as dictated by reason and practice. Closing my account after I attempted to exercise my rights in good faith is discriminatory. Discrimination in relation to any aspect of a credit transaction is strictly prohibited by law. \n\nSadly I suspect XXXX XXXX dishonor is knowingly and willingly negligent noncompliant. I also suspect XXXX XXXX is in collusion with Experian in an attempt to defame my character as a result of non payment by intimidating me with negative credit reporting. \n\nI know XXXX XXXX accepts Non-Conforming Payments. However I sent XXXX XXXX a proper form of payment. Ive attempted to pay my bill several times previously and my Conforming Payments have been refused and remain unreturned. This leads me to think that XXXX XXXX took my payment for itself. I want my account reopened upon receipt of this notice. If my account is not reopened, made current with all payments reporting on time and paid as agreed, I will know XXXX XXXX attempt at securities fraud and extortion is purposeful and deliberate. I have all documentation ready and available as evidence to prove my claim if and when necessary. \n\nThe term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United Statesnotes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of theUnited States, stamps and other representatives of value, of whatever denomination, issued under any Act ofCongress, and canceledUnited Statesstamps. \n\nOn page two of the monthly statements I receive I notice a section titled Proper Form of Payments by Mail. Here it says payment should be sent to the address listed on the remittance portion of XXXX XXXX Statement. I received this remittance because you XXXX XXXX has a bill that is a due bill. \n\nBill 1. Bill of exchange 2. Bill of lading 3. Treasury bill 4. Due bill, a statement of money owed as in when a bank sells a security and receives payment but has not delivered the security or equivalent asset. Outstanding due bills are considered borrowed funds by a bank issuing a bill, and a loan by the holder of the obligation. In the securities industry, a bill indicates the amount owed by a buying broker to a selling broker. \n\nEvery time I use my credit card associated with this account to make a purchase, what Im actually purchasing is security from the issuer of the bill. This security is delivered to me by way of remittance. I receive a remittance because Im selling XXXX XXXX access to my credit. XXXX XXXX, the issuer, are buying access to my credit. A remittance is how you deliver me the money owed or equivalent asset whether in cash or cash equivalent. This paper money is cash equivalent. \n\nREMITTANCE 1. Payment toward satisfaction of a debt, whether in cash or cash equivalents, such as checks, drafts, and other negotiable instruments. \n2. Payment on an installment loan or open-end credit account, forwarded through the mail to a LOCK BOX, along with a remittance document, a machine readable billing document encoded with the customers account number, and the amount due, plus any late charges, if the loan payment is delinquent. \n3. PROCEEDS from a check submitted to another bank for COLLECTION. \n\nI was delivered this remittance from XXXX XXXX as payment towards satisfaction of a debt for not delivering the security purchased at the time of the purchase. This remittance is a cash equivalent that has a bill of exchange attached to it and the bill must be exchanged or redeemed for securities of a new issue. I received the remittance because the proceeds from the check attached belong to me. The only way the proceeds can be received by me, in a usable form such as cash, is to send you the bill for payment as promised. \n\nLOCK BOX XXXX XXXX XXXX used by organizations to accelerate collection of receivables. Checks are routed to a designated XXXX XXXX  number, where they are picked up several times during the day, separated from the envelopes, and submitted to the check collection system for conversion into cash receivables. Many large banks offer lock box processing as a cash management service to corporate customers. A lock box can be retail, designed for remittance processing for customer accounts, or wholesale, in which payments from other corporations are collected and submitted through DEPOSITORY TRANSFER CHECK or electronic debit payments into a concentration account. \n\nThe address listed on the remittance portion of the statement is a lock box address for credit card receivables. Checks are routed to lock boxes. The remittances I receive are check payments that I am the beneficiary of. When the preprinted demand draft is stripped from the bill of lading, they can be processed as two separate securities. My demand draft needs to be securitized and shall be redeemed on demand at the Treasury Department of the United States. I can not detach the coupon in advance because coupon stripping can only be done by a trust fiduciary. \n\nDEPOSITORY TRANSFER CHECK Preprinted DEMAND DRAFT used by corporations to make transfers of cash from a checking account at one bank to a CONCENTRATION ACCOUNT at another bank. This negotiable instrument requires no signature. \nA remittance is a preprinted demand draft called a depository transfer check. When the depository transfer check is submitted to the paying bank, the proceeds will be deposited to the concentration account of the person who issued the bill. \n\nCONCENTRATION ACCOUNT Deposit account into which funds are periodically transferred from various local banks, via wire transfer or automated clearing house debit, from other accounts in the same bank, or in different banks. \n\nA concentration account is also known as a zero-balance account. \n\nZERO-BALANCE ACCOUNT Checking account used by corporations to accelerate collection of funds from subsidiaries, or control funds disbursed to pay trade creditors. In a zero-balance collection account, collected balances are transferred by DEPOSITORY TRANSFER CHECK or automated clearing house debit from subsidiary accounts into a central CONCENTRATION ACCOUNT, bringing the collecting account to a zero balance at the end of each business day. Zero-balance concentration accounts are generally wanting centralized control of cash receipts. In a zero- balance disbursing account, corporate funds are transferred from a master account in an amount sufficient to cover checks presented for payment. Zero-balance disbursement accounts are typically used by companies that want centralized cash control but decentralized funds disbursement. \n\nMy security account, which XXXX XXXX is holding on my behalf, is the account with the balance at the beginning of the day. The collecting account with a XXXX  balance at the end of the day is also my account. My account has a XXXX  balance because an amount sufficient to cover checks presented for payment are transferred from XXXX XXXX zero-balance disbursement account to my account. My account is collecting the amount transferred from a XXXX XXXX disbursement account because my check is the check presented for payment. \n\nThe directions also state to enclose a valid check, include name and account number on the check, include payment coupon and no cash permitted. \n\nCOUPON Detachable certificates showing the dollar amount of interest payable to a bond holder at regular intervals, ordinarily semiannually. Coupons on a BEARER BOND are negotiable instruments and are processed just like checks. Bond interest on BOOK-ENTRY securities is credited to the owners account. \n\nThe dollar amount on my coupon is my bond interest. Im the owner of the account collecting the bond interest. When my bond interest is credited to my account, my account will have a XXXX  balance at the end of the business day. This coupon is processed just like a check because this coupon is a DEPOSITORY TRANSFER CHECK. My coupon is a preprinted DEMAND DRAFT. The coupon can only be stripped by a trust fiduciary. Implying that I should detach the coupon myself is a form of inducement. \n\nDEMAND DRAFT Written order demanding that payment be made, on sight, to a third party. The person writing the draft is called the drawee ; the bank making the payment is the drawer, or the payor bank. The beneficiary of a demand draft, the person receiving the payment, is the payee. Drafts may be payable at some future date ( time drafts ) or on sight ( demand drafts ). Demand drafts drawn on by banks are known as CHECKS. \n\nSince this draft is preprinted, the issuer, XXXX XXXX in this case, is the drawee. The United States Treasury General Account is the checking account used by the Department of U.S. Treasury from which the U.S. government makes all of its payments. The Federal Reserve Bank of New York holds the Treasury General Account and is the drawer, payor bank. I am the XXXX  of the demand draft, the person receiving payment, the payee. I am the XXXX. My demand draft needs to be securitized and shall be redeemed on demand at the Treasury Department of the United States. \n\n- CHECK Demand draft drawn on by a bank. \n\nThis remittance coupon is a check owed to me in payment of bond interest on book-entry securities that must be credited to my account. The coupon is a valid check. This check must be sent for presentment to the United States Treasury for redemption or in exchange for securities of a new issue. Treasury Direct  makes principle, interest, and redemption payments, directly to an individual investors account at a financial institution. XXXX XXXX request that I write my card number as a memo on the check. I think that is a form of inducement to make me believe the coupon and the bill are one and the same because I receive them attached to one another. Since the bill and coupon are attached, and only a trust fiduciary can strip it, In order to present the check for payment, I have to pay you the bill. I am an individual investor with an account at your institution. My REMITTANCE COUPON is a valid CHECK. \n\nPROCEEDS 1. Amount given to a borrower after prepaid interest, loan fees, and other costs are deducted. \n2. Funds received from the sale of assets, or from the issue of securities, after deductions of selling or marketing expenses incurred. \n3. Sum of money collected on a CHECK or other negotiable instrument after deduction of exchange or collection charges. \n\nThe bank sells me a security every time I make a purchase using the card associated with the account. When I dont receive the assets, within 3 business days, the funds for the purchase are considered borrowed, the sale becomes a DUE BILL, and the borrowed funds must be returned to me. The PROCEEDS from the REMITTANCE I receive is payment toward the satisfaction of the money owed to me. The DUE BILL is attached to my REMITTANCE. I promised to pay XXXX XXXX the DUE BILL. I did not promise to pay XXXX XXXX the PROCEEDS from my REMITTANCE. The COUPON is my bond interest on my book-entry securities that must be credited to my account. My REMITTANCE COUPON is a preprinted DEMAND DRAFT called a DEPOSITORY TRANSFER CHECK. The DEPOSITORY TRANSFER CHECK is a DEMAND DRAFT payable on sight. Since I promised to pay XXXX XXXX the DUE BILL, a trust fiduciary must strip my COUPON and process them as separate securities. The equitable agreement is that I promise to pay XXXX XXXX the DUE BILL and in return it must clear my electronic CHECK so I may receive my PROCEEDS. At redemption the DEPOSITORY TRANSFER CHECK is deposited and XXXX XXXX will receive a receipt, which has actual cash value, for the face amount. The receipt is deposited via wire transfer into its CONCENTRATION ACCOUNT, for zero-balance disbursement to my account which is the account collecting the balance. When all disbursements are made to collecting accounts, the CONCENTRATION ACCOUNT, and all the collecting accounts will have a zero-balance by the end of that business day. XXXX XXXX PROCEEDS come from the deep discounts it receives at redemption. Separating the corpus, or the bond principle, from the interest COUPON effectively creates a zero-coupon security that can be traded on the secondary market. My PROCEEDS is the sum of money collected on the check I received from the issue of securities. The PROCEEDS from the CHECK is my REMITTANCE. When I receive the PROCEEDS from my REMITTANCE, my financial asset or its equivalent, is considered delivered. The PROCEEDS from the REMITTANCE is considered my income. I believe XXXX XXXX has been keeping my income for itself. \n\n- CASH 1. Currency ( including bills and coin ) in circulation, including checking account balances. Cash held by a bank for example VAULT CASH, requires no capital backing under risk-based capital rules adopted by bank regulatory agencies. \n2. To convert a check into cash by endorsing and presenting to a bank. \n\nChecking account balances are considered cash. Sending XXXX XXXX a check where funds will be debited from my checking account balance is the same as sending it cash and that would constitute payment not received in proper form. The only check I can send XXXX XXXX as a Proper Form of Payment by Mail is my remittance check. \n\nELECTRONIC CHECK PRESENTMENT In check clearing, electronic transmission of the check writers account number and other payment data directly to the paying bank. Electronic check presentment does not eliminate use of paper checks, but it does allow for a more efficient and less costly method for clearing checks. The Check Clearing for the 21st Century ( or Check 21 ) Act permits banks to send a digital image of a paper check instead of the actual check and thus eliminates much of the labor-intensive costs associated with clearing billions of checks Americans write every year. \n\nDue to federal law, known as The Check Clearing for the 21st Century Act, enabling banks to process paper checks as electronic payments, using a bank service called truncation, where the actual handling of the check is stopped and an electronic check image of the paper check is transmitted to the paying bank. Coupons are normally associated with physical bonds. Since my book-entry securities are held and traded electronically, a digital presentation of the coupon is needed to facilitate the interest payment process. At the paying bank a substitute check is created for check clearing. The actual paper check is held by XXXX XXXX and the check is not returned to the check writer with the account statement. I am in receipt of the account statement. I am the check writer with the account statement. Some of the payment data is already preprinted on the check. The other payment data that I add to the preprinted draft such as For Deposit Only makes me the writer and the payee. I promised to pay XXXX XXXX the DUE BILL. The DUE BILL is the corpus, or the paper above the perforated line. The corpus also carries the bill of lading with it. The bill of lading is the numbers being transported on the DUE BILL which act as a receipt detailing the security purchase. The numbers are the securities purchased and the goods being transported. This means that the numbers are the securities I purchased. The numbers represent money. The goods being transported is the money. Security is money. I use my purchase money to purchase money. The receipt is an inland bill of exchange that can be deposited and exchanged for a treasury bill. The bill is your payment and the remittance is my payment. The remittance is the money I purchased. I can not redeem my PROCEEDS without XXXX XXXX. Interest payments on book-entry securities need to be made electronically. I have not received any of my payments. The PROCEEDS from my REMITTANCE is my income. \n\nSENDING XXXX XXXX MY REMITTANCE CHECK FOR PAYMENT IS A PROPER FORM OF PAYMENT BY MAIL. I AM ONCE AGAIN PROVIDING XXXX XXXX WITH A CHECK FOR PAYMENT AND I AUTHORIZE XXXX XXXX TO EITHER USE THE INFORMATION FROM MY CHECK TO MAKE A ONE-TIME ELECTRONIC FUNDS TRANSFER FROM MY ACCOUNT OR TO PROCESS MY PAYMENT AS A CHECK TRANSACTION. \n\nI have been sending XXXX XXXX checks and it is has not processed any of them. I have been sending XXXX XXXX checks and it has refused them all. XXXX XXXX closed my account. XXXX XXXX not only threatened to report my account, it actually does report, and continues to report my account negatively to the consumer reporting agencies. XXXX XXXX has taken the BILL along with my REMITTANCE and is now attempting to extort a cash payment from my checking account. XXXX XXXX has taken the PROCEEDS of my REMITTANCE, which is my income, and is making reports, with Experian, claiming that I now owe XXXX XXXX an amount equal to the income it has already stolen from me. Transactions and experiences are a reflection of my income. Income is not a part of a credit report. You at Experian have been making reports reflecting my income. You at Experian may be guilty of racketeering like activity if you do not immediately update these two accounts to open, current, paid as agreed, zero debt utilization, zero due, and no late payments or you must completely remove them from my consumer report. \nI have also received an email notification from you stating that pursuant section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, you were unable to honor my request or a portion of it. What did you not understand about telling you to update these accounts as directed or remove them both completely?","date_sent_to_company":"2023-08-23T14:52:02.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11412","tags":null,"has_narrative":true,"complaint_id":"7442892","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-08-23T14:15:24.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The draft is guaranteed because the proceeds do not <em>belong</em> to XXXX XXXX. My <em>credit</em> purchased the <em>security</em>. Im entitled to have my financial assets <em>credited</em> to my <em>securities</em> account. \n\nIve been trying for months to complete the purchase of <em>securities</em> I purchased on <em>credit</em> with the extension of <em>credit</em> I received from XXXX XXXX in exchanged for the investment of my application. The note is the part of the agreement where I promise to pay the amounts billed to me."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Their</em> investigation did not fix an error on your report"]},"sort":[7.9441543,"7442892"]},{"_index":"complaint-public-v1","_id":"8152397","_score":7.179876,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My Only First & Last Name XXXX XXXX XXXX My Only Address XXXXXXXX XXXX XXXX XXXX The last 4 of my SSN # XXXX My Only XXXX recently disputed fraudulent negative information that was on my consumer report. I reached out to XXXX, Transunion and XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX I sent over paperwork from the FTC, the XXXX, the California, consumer protection and innovation, state attorney, general complaint, as well as a signed affidavit of truth, their investigation rendered nothing changed on my consumer report 15 USC 1681| ( A ) ( 1 ) ( A ) ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. \" So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Yet XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IS reporting this information.. The reporting of excluded information pursuant to XXXX XXXX a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. Legal Violations and Reasons : Cease and Desist I allege that TransUnion, XXXX, and XXXX are in blatant violation of the following U.S. codes and legislation for the reasons specified : 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt.\n\n15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports. 15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting.\n\n15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting.\n\n15 U.S. Code 1681i : Inadequate procedures for disputing the accuracy of my consumer reports.\n\n15 U.S. Code 1681b : Unauthorized access or use of my consumer reports for impermissible purposes.\n\nH.R. 3046 Social Security Number Privacy and Identity Theft Prevention Act of 2007 : Unauthorized use or disclosure of my Social Security numbers.\n\nSection 326 of the USA PATRIOT Act : Failure to verify my identification by financial institutions.\n\nGramm-Leach-Bliley Act, Section 501 : Failure to ensure the security and confidentiality of my personal and financial information.\n\nGramm-Leach-Bliley Act, Section 502 : Unauthorized sharing of my non-public personal information with non-affiliated third parties.\n\nGramm-Leach-Bliley Act, Section 504 : Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk -NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE AGENT- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive sent papers from the US Justice Department XXXX XXXX  TRANSUNION have continue to violate multiple FCRA laws they continue to violate my federalrights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15, US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate.Fraudulent ) under Federal law, and I have sent this notification to all of the creditors and consumer reporting agencies and have sent multiple documents supporting my claims Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation This is NOT a request for \" verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCP.NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT - ( ( XXXX TRANSUNION XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) ) THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site XXXX XXXXXXXX XXXX I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-373XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in violation of ( 18 U.S.C 894 ) for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX XXXXXXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX /furnishing this information to my consumer report I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX the ( FTC ) Federal Trade Commission for aggravated XXXX XXXX and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c- 2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of nformation identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX TRANSUNION for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX TRANSUNION XXXX XXXX DATA SOLUTIONS XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply ( 15 USC 1681c-2 - Block of information resulting from identity theft -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( a ) ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above. My only Phone number is XXXX XXXX XXXX XXXX Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section.","date_sent_to_company":"2024-01-11T20:46:41.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91367","tags":null,"has_narrative":true,"complaint_id":"8152397","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-01-11T19:54:08.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I demand my social <em>security</em> number and date of birth be removed from being displayed on the <em>credit</em> file for privacy reasons. Delete all information in the employer section."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Their</em> investigation did not fix an error on your report"]},"sort":[7.179876,"8152397"]},{"_index":"complaint-public-v1","_id":"8151386","_score":7.179876,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My Only First & Last Name XXXX XXXX XXXX My Only Address XXXXXXXX XXXX XXXX XXXX The last 4 of my SSN # XXXX My Only XXXXXXXX  recently disputed fraudulent negative information that was on my consumer report. I reached out to XXXX, XXXX and XXXX, XXXX, XXXX XXXX  Lexisnexis XXXX XXXX I sent over paperwork from the FTC, the XXXX, the California, consumer protection and innovation, state attorney, general complaint, as well as a signed affidavit of truth, their investigation rendered nothing changed on my consumer report 15 USC 1681| ( A ) ( 1 ) ( A ) ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. \" So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Yet XXXX XXXX XXXX XXXX XXXX XXXX LEXISNEXIS XXXX XXXXXXXX XXXX XXXX LEXISNEXIS XXXX IS reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. Legal Violations and Reasons : Cease and Desist I allege that XXXX, XXXX, and XXXX are in blatant violation of the following U.S. codes and legislation for the reasons specified : 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt. 15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports. 15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681i : Inadequate procedures for disputing the accuracy of my consumer reports. 15 U.S. Code 1681b : Unauthorized access or use of my consumer reports for impermissible purposes. H.R. 3046 Social Security Number Privacy and Identity Theft Prevention Act of 2007 : Unauthorized use or disclosure of my Social Security numbers. Section 326 of the USA PATRIOT Act : Failure to verify my identification by financial institutions. Gramm-Leach-Bliley Act, Section 501 : Failure to ensure the security and confidentiality of my personal and financial information. Gramm-Leach-Bliley Act, Section 502 : Unauthorized sharing of my non-public personal information with non-affiliated third parties. Gramm-Leach- Bliley Act, Section 504 : Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk - NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE AGENT- ( XXXX  XXXX ) XXXX XX/XX/XXXX {$980.00} ( XXXX XXXX ) XXXX XX/XX/XXXX {$100.00} XXXX XXXX XX/XX/XXXX {$410.00} ( XXXX  XXXX bankruptcy discharged ) Date filed XX/XX/XXXX Reference number XXXX ) Account name XXXX XXXX XXXX  Account number XXXX Account type Auto Lease Date opened XXXX name ( XXXX XXXX XXXXXXXX ) Account number XXXX Date opened XXXX -/FRAUDULENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive sent papers from the US Justice Department XXXX XXXX XXXX have continue to violate multiple FCRA laws they continue to violate my federalrights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX LEXISNEXIS XXXX XXXX XXXX XXXX LEXISNEXIS XXXX XXXX XXXX XXXX LEXISNEXIS ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15 , US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate.Fraudulent ) under Federal law, and I have sent this notification to all of the creditors and consumer reporting agencies and have sent multiple documents supporting my claims Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation This is NOT a request for \" verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCP.NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT - ( ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX LEXISNEXIS XXXX XXXXXXXX XXXX XXXX LEXISNEXIS XXXX ) ) THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site XXXX XXXX LEXISNEXIS I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you XXXX XXXX XXXX XXXX XXXX XXXX LEXISNEXIS XXXX XXXXXXXX XXXX XXXX LEXISNEXIS XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( XXXX XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account number XXXX. XXXX Account number XXXX Record type XXXX  XXXX bankruptcy Reference number XXXX ( -XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  LEXISNEXIS XXXX XXXX XXXX XXXX  LEXISNEXIS XXXX is in violation of ( 18 U.S.C 894 ) for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX LEXISNEXIS XXXX XXXX XXXX XXXX LEXISNEXIS XXXX /furnishing this information to my consumer report I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX XXXX XXXX XXXX  XXXX LEXISNEXIS XXXX XXXXXXXX XXXX XXXX LEXISNEXIS XXXX the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c- 2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of nformation identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX LEXISNEXIS XXXX XXXXXXXX XXXX XXXX LEXISNEXIS XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX XXXX XXXX XXXXXXXX XXXX XXXX  LEXISNEXIS XXXX XXXXXXXX XXXX XXXX LEXISNEXIS XXXX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply ( 15 USC 1681c-2 - Block of information resulting from identity theft -XXXX XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX Record type XXXX  XXXX bankruptcy Reference number XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX LEXISNEXIS XXXX XXXX XXXX XXXX  LEXISNEXIS XXXX Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX  LEXISNEXIS furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above. My only Phone number is ( XXXX  ) XXXX-XXXX  Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section.","date_sent_to_company":"2024-01-11T21:15:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91367","tags":null,"has_narrative":true,"complaint_id":"8151386","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2024-01-11T21:00:07.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I demand my social <em>security</em> number and date of birth be removed from being displayed on the <em>credit</em> file for privacy reasons. Delete all information in the employer section."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Information <em>belongs</em> to someone else"]},"sort":[7.179876,"8151386"]},{"_index":"complaint-public-v1","_id":"8152405","_score":7.1776547,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My Only First & Last Name XXXX XXXX XXXX My Only Address XXXX XXXX XXXXXXXX XXXX The last 4 of my SSN # XXXX My Only XXXX  recently disputed fraudulent negative information that was on my consumer report. I reached out to XXXX, XXXX and Equifax, XXXX XXXX XXXX XXXX XXXX XXXX I sent over paperwork from the FTC, the XXXX, the California, consumer protection and innovation, state attorney, general complaint, as well as a signed affidavit of truth, their investigation rendered nothing changed on my consumer report 15 USC 1681| ( A ) ( 1 ) ( A ) ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. \" So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Yet XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IS reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. Legal Violations and Reasons : Cease and Desist I allege that XXXX, XXXX, and Equifax are in blatant violation of the following U.S. codes and legislation for the reasons specified : 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt.\n\n15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports. 15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting.\n\n15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting.\n\n15 U.S. Code 1681i : Inadequate procedures for disputing the accuracy of my consumer reports.\n\n15 U.S. Code 1681b : Unauthorized access or use of my consumer reports for impermissible purposes.\n\nH.R. 3046 Social Security Number Privacy and Identity Theft Prevention Act of 2007 : Unauthorized use or disclosure of my Social Security numbers.\n\nSection 326 of the USA PATRIOT Act : Failure to verify my identification by financial institutions.\n\nGramm-Leach-Bliley Act, Section 501 : Failure to ensure the security and confidentiality of my personal and financial information.\n\nGramm-Leach-Bliley Act, Section 502 : Unauthorized sharing of my non-public personal information with non-affiliated third parties.\n\nGramm-Leach-Bliley Act, Section 504 : Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk -NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE AGENT- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive sent papers from the US Justice Department XXXX EQUIFAX XXXX have continue to violate multiple FCRA laws they continue to violate my federalrights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15, US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate.Fraudulent ) under Federal law, and I have sent this notification to all of the creditors and consumer reporting agencies and have sent multiple documents supporting my claims Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation This is NOT a request for \" verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCP.NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT - ( ( XXXX XXXX EQUIFAX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ) THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site XXXX XXXX XXXX I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( XXXX ) XXXX XXXX XXXXXXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is in violation of ( 18 U.S.C 894 ) for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX /furnishing this information to my consumer report I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX EQUIFAX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c- 2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of nformation identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX EQUIFAX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX XXXX EQUIFAX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply ( 15 USC 1681c-2 - Block of information resulting from identity theft -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above. My only Phone number is XXXX XXXX XXXX XXXX Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section.","date_sent_to_company":"2024-01-11T20:46:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91367","tags":null,"has_narrative":true,"complaint_id":"8152405","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-01-11T20:46:46.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I demand my social <em>security</em> number and date of birth be removed from being displayed on the <em>credit</em> file for privacy reasons. Delete all information in the employer section."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Their</em> investigation did not fix an error on your report"]},"sort":[7.1776547,"8152405"]},{"_index":"complaint-public-v1","_id":"8152406","_score":7.1609225,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My Only First & Last Name XXXX XXXX XXXX My Only Address XXXXXXXX XXXX XXXXXXXX XXXX The last 4 of my SSN # XXXX My Only XXXX  recently disputed fraudulent negative information that was on my consumer report. I reached out to Experian, XXXX and XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX I sent over paperwork from the FTC, the XXXX, the California, consumer protection and innovation, state attorney, general complaint, as well as a signed affidavit of truth, their investigation rendered nothing changed on my consumer report 15 USC 1681| ( A ) ( 1 ) ( A ) ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. \" So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Yet EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IS reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. Legal Violations and Reasons : Cease and Desist I allege that XXXX, Experian, and XXXX are in blatant violation of the following U.S. codes and legislation for the reasons specified : 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt. \n15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports. 15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting.\n\n15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting.\n\n15 U.S. Code 1681i : Inadequate procedures for disputing the accuracy of my consumer reports.\n\n15 U.S. Code 1681b : Unauthorized access or use of my consumer reports for impermissible purposes.\n\nH.R. 3046 Social Security Number Privacy and Identity Theft Prevention Act of 2007 : Unauthorized use or disclosure of my Social Security numbers. \nSection 326 of the USA PATRIOT Act : Failure to verify my identification by financial institutions.\n\nGramm-Leach-Bliley Act, Section 501 : Failure to ensure the security and confidentiality of my personal and financial information.\n\nGramm-Leach-Bliley Act, Section 502 : Unauthorized sharing of my non-public personal information with non-affiliated third parties.\n\nGramm-Leach-Bliley Act, Section 504 : Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk -NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE AGENT- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ive sent papers from the US Justice Department EXPERIAN XXXX XXXX have continue to violate multiple FCRA laws they continue to violate my federalrights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15, US code 1692G ) ( 15 US code 1681B ) and XXXX XXXX code 1681C- 2 have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate.Fraudulent ) under Federal law, and I have sent this notification to all of the creditors and consumer reporting agencies and have sent multiple documents supporting my claims Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation This is NOT a request for \" verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCP.NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT - ( ( EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ) THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site XXXX XXXX XXXX I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is in violation of ( 18 U.S.C 894 ) for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXXXXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX /furnishing this information to my consumer report I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX the ( FTC ) Federal Trade Commission for aggravated XXXX XXXX and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c- 2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of nformation identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXXXXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by EXPERIAN XXXX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply ( 15 USC 1681c-2 - Block of information resulting from identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( EXPERIAN XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above. My only Phone number is XXXX XXXX XXXX XXXX Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section.","date_sent_to_company":"2024-01-11T20:46:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91367","tags":null,"has_narrative":true,"complaint_id":"8152406","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-01-11T20:46:46.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I demand my social <em>security</em> number and date of birth be removed from being displayed on the <em>credit</em> file for privacy reasons. Delete all information in the employer section."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Their</em> investigation did not fix an error on your report"]},"sort":[7.1609225,"8152406"]},{"_index":"complaint-public-v1","_id":"8151447","_score":7.1609225,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My Only First & Last Name XXXX XXXX XXXX My Only Address XXXX XXXX XXXX XXXX The last 4 of my SSN # XXXX My Only XXXX recently disputed fraudulent negative information that was on my consumer report. I reached out to XXXX, XXXX and XXXX, XXXX, data solutions XXXX XXXX XXXX I sent over paperwork from the FTC, the XXXX, the California, consumer protection and innovation, state attorney, general complaint, as well as a signed affidavit of truth, their investigation rendered nothing changed on my consumer report 15 USC 1681| ( A ) ( 1 ) ( A ) ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. \" So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Yet XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IS reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. Legal Violations and Reasons : Cease and Desist I allege that XXXX, XXXX, and XXXX are in blatant violation of the following U.S. codes and legislation for the reasons specified : 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt. 15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports. 15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681i : Inadequate procedures for disputing the accuracy of my consumer reports. 15 U.S. Code 1681b : Unauthorized access or use of my consumer reports for impermissible purposes. H.R. 3046 Social Security Number Privacy and Identity Theft Prevention Act of 2007 : Unauthorized use or disclosure of my Social Security numbers. Section 326 of the USA PATRIOT Act : Failure to verify my identification by financial institutions. Gramm-Leach-Bliley Act, Section 501 : Failure to ensure the security and confidentiality of my personal and financial information. Gramm-Leach-Bliley Act, Section 502 : Unauthorized sharing of my non-public personal information with non-affiliated third parties. Gramm-Leach- Bliley Act, Section 504 : Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk - NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE AGENT- ( XXXX  XXXX ) XXXX XX/XX/XXXX {$980.00} ( XXXX XXXX ) XXXX XX/XX/XXXX {$100.00} XXXX XXXX XX/XX/XXXX {$410.00} ( XXXX  XXXX bankruptcy XXXX ) Date filed XX/XX/XXXX Reference number XXXX ) Account name XXXX XXXX XXXX  Account number XXXX Account XXXX XXXX XXXX Date opened XXXX name ( XXXX XXXX XXXXXXXX ) Account number XXXX Date opened XXXX -/FRAUDULENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive sent papers from the US Justice Department XXXX XXXX XXXX have continue to violate multiple FCRA laws they continue to violate my federalrights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15 , US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate.Fraudulent ) under Federal law, and I have sent this notification to all of the creditors and consumer reporting agencies and have sent multiple documents supporting my claims Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation This is NOT a request for \" verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCP.NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT - ( ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) ) THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site XXXX INNOVIS XXXX I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATA SOLUTIONS XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( XXXX ) XXXX U.S.C XXXX. ( XXXX XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX. XXXX Account number XXXX Record type XXXX  XXXX bankruptcy Reference number XXXX ( -XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXi is in violation of ( 18 U.S.C 894 ) for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX /furnishing this information to my consumer report I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c- 2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of nformation identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply ( 15 USC 1681c-2 - Block of information resulting from identity theft -XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX Record type XXXX XXXX bankruptcy Reference number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. XXXX XXXX XXXX INNOVIS XXXXXXXX XXXX XXXX XXXX XXXXXXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above. My only Phone number is ( XXXX ) XXXX-XXXX  Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section.","date_sent_to_company":"2024-01-11T21:15:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91367","tags":null,"has_narrative":true,"complaint_id":"8151447","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CBC Companies, Inc.","date_received":"2024-01-11T21:15:32.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I demand my social <em>security</em> number and date of birth be removed from being displayed on the <em>credit</em> file for privacy reasons. Delete all information in the employer section."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Information <em>belongs</em> to someone else"]},"sort":[7.1609225,"8151447"]},{"_index":"complaint-public-v1","_id":"8151448","_score":7.1546082,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My Only First & Last Name XXXX XXXX XXXX My Only Address XXXXXXXX XXXX XXXX XXXX The last 4 of my SSN # XXXX My Only XXXX recently disputed fraudulent negative information that was on my consumer report. I reached out to XXXX, XXXX and XXXX, XXXX, XXXX XXXX XXXX Sage stream I sent over paperwork from the FTC, the XXXX, the California, consumer protection and innovation, state attorney, general complaint, as well as a signed affidavit of truth, their investigation rendered nothing changed on my consumer report 15 USC 1681| ( A ) ( 1 ) ( A ) ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. \" So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Yet XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX SAGESTREAM XXXXXXXX XXXX XXXX XXXXXXXX SAGESTREAM IS reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. Legal Violations and Reasons : Cease and Desist I allege that XXXX, XXXX, and XXXX are in blatant violation of the following U.S. codes and legislation for the reasons specified : 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt. 15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports. 15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681i : Inadequate procedures for disputing the accuracy of my consumer reports. 15 U.S. Code 1681b : Unauthorized access or use of my consumer reports for impermissible purposes. H.R. 3046 Social Security Number Privacy and Identity Theft Prevention Act of 2007 : Unauthorized use or disclosure of my Social Security numbers. Section 326 of the USA PATRIOT Act : Failure to verify my identification by financial institutions. Gramm-Leach-Bliley Act, Section 501 : Failure to ensure the security and confidentiality of my personal and financial information. Gramm-Leach-Bliley Act, Section 502 : Unauthorized sharing of my non-public personal information with non-affiliated third parties. Gramm-Leach- Bliley Act, Section 504 : Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk - NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE AGENT- ( XXXX  XXXX ) XXXX XX/XX/XXXX {$980.00} ( XXXX XXXX ) XXXX XX/XX/XXXX {$100.00} XXXX XXXX XX/XX/XXXX {$410.00} ( XXXX XXXX bankruptcy discharged ) Date filed XX/XX/XXXX Reference number XXXX ) Account name XXXX XXXX XXXX  Account number XXXX Account XXXX XXXX XXXX Date opened XXXX name ( XXXX XXXX XXXXXXXX ) Account number XXXX Date opened XXXX -/FRAUDULENT XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive sent papers from the US Justice Department XXXX XXXX XXXX have continue to violate multiple FCRA laws they continue to violate my federalrights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX SAGESTREAM XXXXXXXX XXXX XXXX XXXXXXXX SAGESTREAM  XXXX XXXX XXXX XXXX ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15 , US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate.Fraudulent ) under Federal law, and I have sent this notification to all of the creditors and consumer reporting agencies and have sent multiple documents supporting my claims Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation This is NOT a request for \" verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCP.NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT - ( ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX SAGESTREAM XXXX XXXX XXXX XXXXXXXX SAGESTREAM ) ) THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site XXXX XXXX XXXX I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you XXXX XXXX XXXX XXXX XXXX XXXX XXXX SAGESTREAM XXXXXXXX XXXX XXXX XXXX SAGESTREAM CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( XXXX XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX. XXXX Account number XXXX Record type XXXX  XXXX bankruptcy Reference number XXXX ( -XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX SAGESTREAM XXXX XXXX XXXX XXXXXXXX SAGESTREAMi is in violation of ( 18 U.S.C 894 ) for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX SAGESTREAM XXXX XXXX XXXX XXXXXXXX SAGESTREAM /furnishing this information to my consumer report I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SAGESTREAM XXXXXXXX XXXX XXXX XXXX SAGESTREAMinto the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c- 2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of nformation identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX SAGESTREAM XXXXXXXX XXXX XXXX XXXXXXXX SAGESTREAM furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX SAGESTREAM XXXXXXXX XXXX XXXX XXXX SAGESTREAM into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply ( 15 USC 1681c-2 - Block of information resulting from identity theft -XXXX XXXX XXXXXXXX Account number XXXX XXXX  XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX Record type XXXX XXXX bankruptcy Reference number XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX SAGESTREAM XXXX XXXX XXXX XXXX SAGESTREAM Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SAGESTREAM XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above. My only Phone number is ( XXXX  ) XXXX-XXXX Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section.","date_sent_to_company":"2024-01-11T21:15:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91367","tags":null,"has_narrative":true,"complaint_id":"8151448","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ID Analytics, Inc.","date_received":"2024-01-11T21:15:32.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I demand my social <em>security</em> number and date of birth be removed from being displayed on the <em>credit</em> file for privacy reasons. Delete all information in the employer section."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Information <em>belongs</em> to someone else"]},"sort":[7.1546082,"8151448"]},{"_index":"complaint-public-v1","_id":"18514305","_score":6.1525073,"_source":{"product":"Debt collection","complaint_what_happened":"This submission constitutes my formal rebuttal and feedback in response to Kikoff Lending, LLCs explanation provided to the Consumer Financial Protection Bureau ( CFPB ). I categorically dispute Kikoffs conclusion that the reporting associated with Account XXXX. XXXX is accurate, lawful, or compliant with federal consumer protection statutes. \n\nAt the outset, I expressly state that I am opening a NEW CFPB case because my previous CFPB case, XX/XX/XXXXXXXX, was closed without resolving the substance of my dispute or adequately addressing my documented identity theft claim. The closure of that prior case does not constitute agreement, validation, or acceptance of Kikoffs position, nor does it relieve Kikoff of its continuing statutory obligations. \n\nThis new case is filed to ensure that the record accurately reflects my position, my evidence, and Kikoffs ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), Fair Credit Billing Act ( FCBA ), and federal identity theft protections. \n\nXXXX. Clear Statement of Non-Ownership and Identity Theft I affirm, without qualification, that : I do not own this account I did not apply for, authorize, or open this account I did not consent to any credit relationship with Kikoff Lending , LLC Any purported agreement or obligation is the result of identity theft or fraud I have filed an FTC Identity Theft Report and identity theft affidavit, placing Kikoff on formal notice that this account is fraudulent. Once such notice is provided, federal law imposes heightened duties on furnishers of credit information. Kikoffs response fails to acknowledge or comply with those duties. \n\nXXXX. Kikoffs Improper Dismissal of FTC Identity Theft Reports Kikoff asserts that an FTC report alone does not constitute sufficient proof of fraud. This statement is misleading, incomplete, and legally deficient. \n\nAn FTC Identity Theft Report is explicitly recognized under the FCRA as a valid identity theft report within the meaning of 15 U.S.C. XXXX ( q ). While furnishers may request additional information, they may not simply disregard or minimize the legal significance of an FTC report, especially when the consumer unequivocally denies ownership of the account. \n\nThe law does not require a consumer to prove fraud beyond all doubt. Rather, it requires furnishers to conduct a reasonable investigation and to cease reporting information they can not verify as accurate, including verification of ownership and authorization, not merely internal consistency. \n\nKikoffs response demonstrates that it relied primarily on its own internal records and signup data, rather than conducting an independent, objective investigation into whether I actually opened or authorized this account. \n\nXX/XX/XXXX Reliance on Matching Personal Information Is Legally Insufficient Kikoff repeatedly asserts that the account must belong to me because the personal information used at signup matched my identifiers. This reasoning is fundamentally flawed. \n\nIdentity theft routinely involves the use of accurate personal information, including names, dates of birth, email addresses, and Social Security numbers. The presence of matching identifiers does not establish consent, authorization, or contractual liability. \n\nFederal courts and regulators have consistently recognized that furnishers can not rely solely on matching data fields to conclude that a disputed account is valid when identity theft is alleged. \n\nKikoff has failed to provide or even reference : Authenticated electronic signature records IP address logs tied to my physical location Device fingerprinting or persistent identifiers Multi-factor authentication records Evidence that I personally accessed or controlled the account Absent such evidence, Kikoff can not reasonably conclude that I am the true obligor. \n\nXXXX Internal Records and Agreements Do Not Prove Consumer Liability Kikoff relies heavily on internal account records, payment histories, and its standard Credit Account Agreement to justify continued reporting. This reliance is misplaced. \n\nA creditors own records do not establish liability when the consumer disputes ownership due to identity theft. The Kikoff Credit Account Agreement itself acknowledges unauthorized use and fraud scenarios and does not override federal consumer protection statutes XXXX. \n\nMoreover, the presence of payments on an account does not prove authorization. Fraudulent accounts are frequently paid initially to avoid detection or to build credibility. Payment activity can not be equated with consumer consent or ownership XXXX. \n\nXX/XX/XXXX Improper Reporting and the FCRA Duty of Accuracy Kikoff asserts that it is obligated to report late payments and charge-offs once they occur. This statement reflects a misunderstanding or misrepresentation of the FCRA. \n\nThe FCRA does not require furnishers to report all data regardless of dispute. It requires furnishers to report accurate information. Accuracy under the FCRA includes : Correct identity of the consumer Validity of the underlying obligation Lawful authorization of the account If Kikoff can not verify that the account is mine, continued reporting of delinquencies, charge-offs, or account status is inherently inaccurate. \n\nOnce identity theft is alleged and documented, furnishers must either substantiate ownership or suppress/delete the tradeline. \n\nXXXX. Failure to Conduct a Reasonable Investigation Kikoffs response does not describe any meaningful investigation beyond reviewing its own records. A reasonable investigation under the FCRA requires more than confirming that the disputed data matches what is already in the furnishers system. \n\nKikoff has not explained : What investigative steps were taken after receiving my FTC report Whether third-party verification was attempted Whether forensic or technical data was reviewed Whether any fraud indicators were evaluated This failure strongly suggests noncompliance with 15 U.S.C. XXXX ( b ). \n\nXXXX. Continued Reporting After Notice of Fraud Is Harmful Despite notice of identity theft, Kikoff continues to report this account as charged-off, causing ongoing harm to my credit profile, financial standing, and consumer reputation. \n\nThis continued reporting : Exposes me to credit denials and higher costs Constitutes ongoing publication of disputed information May amount to willful or negligent noncompliance Kikoffs assertion that paying the balance would not change the charge-off status further underscores the unfairness of its position, as it effectively pressures a consumer to pay a debt they do not owe in order to mitigate damage. \n\nXXXX. Dispute of the Alleged Charge-Off and Payment History I specifically dispute : The legitimacy of the alleged balance The validity of any missed payment history The propriety of any charge-off designation The furnishing of this account to any consumer reporting agency The payment history document Kikoff references does not establish ownership and can not cure the underlying fraud XXXX. \n\nXX/XX/XXXXNew CFPB Case and Reservation of Rights As stated above, I am creating a new CFPB case because CFPB CaseXX/XX/XXXX XXXX was closed without resolving this dispute on the merits. This new case is necessary to ensure that my identity theft claim is fully and fairly evaluated. \n\nI expressly reserve all rights, including but not limited to : Filing additional regulatory complaints Disputing this account directly with consumer reporting agencies Pursuing private action under the FCRA for statutory, actual, and punitive damages Seeking attorneys fees and costs as permitted by law XXXX. Requested Resolution I formally request that Kikoff Lending , LLC take the following actions : Delete Account XX/XX/XXXXXXXX from all consumer reporting agencies Provide written confirmation that the account is not mine Cease all reporting, collection, or internal attribution of this account to me Correct any inaccurate information previously furnished If Kikoff can not produce competent, objective evidence that I personally opened and authorized this account, deletion is the only lawful outcome. \n\nXXXX. Conclusion Kikoffs response relies on internal assumptions, dismisses the legal weight of an FTC Identity Theft Report, and fails to meet the standards imposed by federal law. The continued reporting of this account is disputed, harmful, and unsupported by adequate verification. \n\nThis rebuttal is submitted as part of a new CFPB case, following the closure of Case XXXX. XXXX, and is intended to preserve the record, assert my rights, and demand compliance.","date_sent_to_company":"2026-01-06T22:40:29.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"33169","tags":null,"has_narrative":true,"complaint_id":"18514305","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Kikoff Inc.","date_received":"2026-01-06T22:32:17.000Z","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":["XX/XX/XXXX Reliance on Matching Personal Information Is Legally Insufficient Kikoff repeatedly asserts that the account must <em>belong</em> to me because the personal information used at signup matched my identifiers. This reasoning is fundamentally flawed. \n\nIdentity theft routinely involves the use of accurate personal information, including names, dates of birth, email addresses, and Social <em>Security</em> numbers."]},"sort":[6.1525073,"18514305"]},{"_index":"complaint-public-v1","_id":"6802182","_score":5.663497,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"* I have no been able to use my AMEX card for 6months plus due to AMEX not lawfully updating my account properly so I am able to use my line of credit. \n* Essential consumer goods or services are vital and necessary for the health, safety & welfare of the public including without limitation food , water, gas, housing , transportation, health care. \n* An Error for being charged consumer goods.\n* I have the Right to Exercise my Consumer Rights Law that shall not be neglected.\n* I have the Right to stand up for Myself. \n* Unlawful to swindle \n* Unlawful to coerce \n* The Fair Debt Collection Practices Act codified at 15 U.SC 1692 , Stipulates that debt collector must validate the alleged debt if he is requested to do so, and he must cease all collection and activity until validation is provided.\n* Debt validation has not been proven by AMEX , all they do is send automated system replies which will be there down fall, those automated systems doesnt have the intellectual capacity of AI ( Artificial intelligence ) to solve anything or properly guide a problem to the solution. \n* No True Full Disclosure of The Nature of Consumer Credit Transactions. \n* No true agreement or true consent to the agreement if one or more parties only entered into the contract because they misunderstood something that was fundamental to the agreement. Therefore I shall & Will not be bind to any contract agreements that are trying to be enforced upon I. \n* Its been 6 months since I watch AMEX continuously report my account as  Improve my Account without actual improvement of the account; as I did what I did in good faith to settle & satisfy Account. \n* Consumer Credit Transactions \n* Consumer Goods Transactions \n* Improved Amex Account XXXX & XXXX  \n* My Account has been marked as improved account twice yet there hasnt been any beneficial changes or positive improvement I have received as the Consumer. \n* My Account has been marked as improved account yet my credit balance did not go back to XXXX  as I accepted & returned for value payment coupon back to AMEX endorsed to settle & satisfy the account with account number as well. \n* If my Account is being marked as Improved Account then why isnt my Account settle & satisfied so I may proceed to use it. \n* If my Account is being marked as improved Account then why does it still say its restricted & over its limit. \n* If my Account is being marked as Improved Account  then why is my spending paused still.\n* AMEX not lawfully & correctly  updating my Account status as paid in full & my Account being satisfied or settled with a XXXX Out Balance, returning requested funds. \n* XXXX (Credit File ) -  THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS.  therefore why isnt my credit balance XXXX  & All Requested funds from credit balance returned.\n* I have on time payments 100% - XXXX XXXX AMERICAN EXPRESS \n* Remarks from; mycreditguide.American Express.com Account information  disputed by consumer, meets FCRA requirements \n* All documentation has not been responded to by AMEX in an prompt manner.\n* I was told my Account balance cant be XXXX  out yet that is possible.\n* Billing error Notice brought to AMEX attention.\n* AMEX has been put on Notice for awareness of Civil, Criminal Liabilities & Damages. \n* Failed to respond or pay for damages caused to I, The Consumer. \n* Documentations siting Violations Delivered XXXX  XXXX, XXXX.\n* Affidavits of Truths has not been rebuttal.\n* Unrebutted Affidavits Stands As Truth.\n* 1st initial response from AMEX when requested Credit Balance is that I do not have an Credit Balance to request as credit balance is XXXX. \n* AMEX has not returned requested credit balance when demanded & requested in XXXX  XXXX.\n* Request for Credit Balance was told itll take 14 days (2 weeks) to deliver (via phone with employee) \n* Good faith effort has not been made by AMEX to refund requested credit balance. \n* Good faith effort has not been made by AMEX to XXXX  out the balance. \n* Amex has not Credited my Account .\n* AMEX- Credit Balance: A credit balance (designated CR) shown on this statement represents money owed to you. If withln the six-month perlod following the date of the first statement indicating the credit balance you do not request a refund or charge enough up to use up the credit balance, we will send you a check for the credit balance within 30 days if the amount is $XXXX or more. \n*  15 U.S. Code 1666d -Treatment of credit balances  Whenever a credit balance in excess of $XXXX  is created in connection with a consumer credit transaction through (1)transmittal of funds to a creditor in excess of the total balance due on an account, 2) rebates of unearned finance charges or insurance premiums, or (3) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall  -(A) credit the amount of the credit balance to the consumer's account; (B)refund any part of the amount of the remaining credit balance, upon request of the consumer; and (C)make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumer's current location is not known by the creditor and cannot be traced through the consumer's last known address or telephone number.\n* Due to this being a Consumer Credit Transaction , the Balance is the Credit Balance. There is no other form of Credit Balance other then the Account Balance which is under an Consumer Credit Transaction. \n* Via Phone with AMEX automated system I was told I was able to use my credit card. ( This was noted to employee of AMEX via phone after) \n* Non proper updates on my AMEX Account causing me to not be able to use my card. \n* AMEX claimed my credit balance would be returned to I within 2 weeks\n*  I have not received my credit balance that I was told would take 14 Days. \n* I Accepted payment coupon for value, returned back to AMEX (sender) endorsed to settle & satisfy Account.\n* Remittance Coupon is equal to saying Payment Coupon. \n* Remittance means act of sending payment to someone. \n* AMEX has not returned any payment coupons sent for payment back , if they claim they didnt process the payments it shall have been returned. Accepted & not returned I have the right to assume you took payment as it was delivered. \n* AMEX told I, a payment coupon is not an acceptable form of payment, then why wasnt it returned back to I, the Consumer. \n* Why does it say payments must also include (1) include the remittance coupon from your statement, behind billing statement or Consumer Report of AMEX.\n* Consumer Report is Billing statement with Consumer transactions & experiences (Violation) \n* Every Billing statement / Consumer Report I have ever received by AMEX has transactions & experiences on it which is an Violation pursuant to 15 U.S. Code  1681a - Definitions; rules of construction (2) EXCLUSIONS.- Except as provided in paragraph (3), the term \"consumer report\" does not include- (A) subject to section 1681s-3 of this title, any - (i) report containing information solely as to transactions or experiences between the consumer and the person making the report (ii) communication of that information among persons related by common ownership or affiliated by corporate control; or (iii) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons;\n* Because a consumer credit transaction took place that does not mean a debt has to be paid or a debt even exist, a Role to assume the debt has been made by the perpetrators & identity thefts. \n* Validation of debt has not been clear or proven at all by AMEX. Debt is not valid, I am not obligated towards any alleged debt in this Consumer Credit Transaction in whole or in part. \n* An Billing Statement is an Consumer Report that has transactions & experiences on it. \n* An Billing statement also called an Account statement is the Consumers Report highlighting consumers activities & Locations (Violation) \n* Billing statement shall not have all places of my transactions (Locations) & experiences as that is an violation. \n* More violations all throughout documents received from AMEX has been sited & sent back. \n* AMEX Billing Statement = Payments must also:(1) Include the remittance coupon from your statement; (2) be made with a single check drawn on a U.S bank and payable in U.S dollars or with negotiable instrument payable in U.S dollars and clearable through the U.S Banking System; (3) Include your Account number.\n* AMEX displaying in clear response to CFPB XXXX  XXXX, XXXX  complaint that payment is not a valid form of payment which is giving false information & also willful noncompliance pursuant to 15 U.S. Code  1681n - Civil liability for willful noncompliance & 15 U.S. Code  1681o - Civil liability for negligent noncompliance not accepting legal tender, \n* Result of not accepting legal tender was having my account post Late fees for payment that was suppose to be lawfully process not occurring late. No late fees are suppose to continuously occur or exist in any of my Consumer Credit Transactions. These are extra charges , interest & fees that arent lawful to leasing back my own credit towards I. I have been lease a line of credit I have available via Private Accounts (Trust) made by the U.S 1935 the Social Security Act. \n* Which the Social Security Number is an Credit Card that states behind it This card belongs to the Social Security Administration & you must return it if we ask for it\n* On Social Security Card behind it stated Improper use of of this card or number by anyone is punishable by fine, imprisonment or both \n* Voluntarily state \n* Coercing me to pay for a bill with FRNs which are optional. \n* Tricking the Consumer, I, to pay with FRNs instead of another negotiable instrument thats legal tender to process through banking system.\n* Paying with FEDERAL RESERVE NOTES are optional & it is not my obligation to pay any bill or make any payment with FRNs therefore I can not pay a bill without Real Money in circulation like Gold etc that can be actually back with substance. \n* AMEX stating  The Payment Coupon is not an acceptable form of payment It is important to know that the payment coupon included with your statement cannot be used as a payment remittance voucher and is not an acceptable form of payment. The CMA explains we accept payments made to us in U.S. dollars with the following: a single check drawn on a U.S bank, or a single negotiable instrument clearable through the U.S. banking system, or an electronic payment that can be cleared through the U.S. banking system. \n* A coupon that clearly says payment coupon is an negotiable instrument.\n* AMEX not accepting payment coupon as legal tender that can be lawfully process through the system as negotiable instrument. \n* Unlawful to not accept my method of payment pursuant to UCC  3-104. NEGOTIABLE INSTRUMENT, UCC  3-413 OBLIGATION OF ACCEPTOR & UCC  3-110. IDENTIFICATION OF PERSON TO WHOM INSTRUMENT IS PAYABLE. ( or claim to not have accepted but already did. Not Giving I the Credit). \n* AMEX obviously accepted the payments for value but claims other wise.\n* Payment Details- On Time payments history of 100%.\n*XXXX Credit File does have my Account as PAID AS AGREED WITH NO LATE PAYMENTS. Therefore why is my Account still getting a late fee charge.\n* Im still getting Late Fees being applied to my Account, Credit Balance although my Account is acknowledged as PAID AS AGREED WITH NO LATE PAYMENTS. \n* Note processing my payments as negotiable instrument is violation pursuant to 15 U.S. Code  1666c - Prompt and fair crediting of payments. (a) IN GENERAL Payments received from an obligor under an open end consumer credit plan by the creditor shall be posted promptly to the obligor's account as specified in regulations of the Bureau.\n* Late fees violation pursuant to 15 U.S.C 1666b - Timing of payments.\n* Pursuant to 15U.S.C 1666b-Timing of payment, late payments are to not be report in Consumer Credit Report.\n* ANY & ALL accounts associated with a SSN is prepaid, Consumers are coerced into making extra payments under constructive fraud.\n* Banks arent even allowed to loan money pursuant to 12 U.S. Code  83 - Loans by bank on its own stock (a) GENERAL PROHIBITION No national bank shall make any loan or discount on the security of the shares of its own capital stock. \n* Ultra vires \n* Doing something outside of lawful mandate. \n* AMEX Account marked as  pays as agreed  &  PAID AS AGREED\n* 33 U.S. Code  931 - Penalty for misrepresentation\n* 15 U.S. Code  1692k , 15 U.S. Code  1640 - Civil liabilities \n* 15 U.S. Code  1611 - Criminal Liability for willful and knowing violation & 15 U.S. Code  1693n- Criminal liability  \n* 15 U.S. Code  1692e - False or misleading representations- A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. (2) The false representation of- (A) the character, amount, or legal status of any debt\n* 15 U.S. Code  1692f - Unfair practices: A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt.\n* 15 U.S. Code  1693n - Criminal liability (a) VIOLATIONS RESPECTING GIVING OF FALSE OR INACCURATE INFORMATION, FAILURE TO PROVIDE INFORMATION, AND FAILURE TO COMPLY WITH PROVISIONS OF THIS SUBCHAPTER Whoever knowingly and willfully-(1) gives false or inaccurate information or fails to provide information which he is required to disclose by this subchapter.\n* 15 U.S. Code  6803 - Disclosure of institution privacy policy : (a) DISCLOSURE REQUIRED At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institution's policies and practices with respect to - (1) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed; (2) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and (3) protecting the nonpublic personal information of consumers.\n* 31 U.S. Code  3729 - False claims : (A) knowingly presents, or causes to be presented, a false or fraudulent claim for payment or approval; (B) knowingly makes, uses, or causes to be made or used, a false record or statement material to a false or fraudulent claim.\n* 33 U.S. Code  931 - Penalty for misrepresentation\n* 15 U.S. Code  1692j - Furnishing certain deceptive forms\n* In violation of Cease & desist notice XXXX , still receiving mail that doesnt pertain to my check or remedies for my Account. \n* AMEX is not the Original Creditor or lender \n* AMEX is the borrower , Debtor , trustee \n* I AM The Consumer, Original Creditor, Beneficiary , Secured Party Creditor \n* AMEX has assumed many vital roles of assembling & evaluating consumer credit & other information. \n* AMEX stating Credit Reporting: we may report information about your account to Credit Bureaus.  is AMEX assuming the role of CRA or is AMEX displaying traits of an CRA. \n* Also why is AMEX addressing CRAs as Credit Bureaus violation pursuant to 15 U.S. Code  1692e - False or misleading representations. To impose an higher status or Rank that is non-existing, false claiming who AMEX is reporting to are higher position then lawfully are. \n* First of all Credit Bureaus dont exist, Credit Reporting Agencies is the correct & Proper verbiage to use addressing them without the bureaus ; lawfully it is an violation of fraudulent misrepresentation trying to intimidate , oppress & harness Consumers to thinking the CRAs are federally backed, like the Feds told all CRAs to assume a vital role in assembling & evaluating Consumer Credit & other information on Consumer so it may lead to the demise of the banking system. \n* Bureaus are federal like U.S Department of Treasury.\n* UCC filing as U.S Treasury being the Debtor. \n* If planning for Generations , Centurys & Millenniums , that was smart for congress to allow CRAs to assume many roles that undermines the public confidence leading to the demise of the U.S.A. (Sarcasm) \n* Global banking system Downfall, Rising. \n* The People of the Land needs more Respect & Protection, ducation if the U.S.A is the stand a chance against future / present threats.\n* Karmic debt is what the U.S is building up.  \n* Congress innerstand inaccurate reporting directly impairs the efficiency of the banking system , undermining the public confidence to continue to keep this money system in place which as we can see is falling down globally as change is reintroducing itself to life once again. \n* Consumer Financial Protection Bureaus (CFPB) is Federally back( Back by Congress) \n* Bureaus is / mean Federal. \n* CRA doesnt have Bureaus associated with its title or field of expertise. \n* Congress innerstand Consumer Reporting Agencies assume many vital roles of assembling & evaluating Consumer Credit & other information on Consumer. \n* 15 U.S Code 6081 Fair Credit Reporting Act (4)There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.\n* The U.S doesnt even want the liabilities of the Credit Reporting Agencies; therefore not backing & sponsoring the madness that takes place from CRAs( not federally backed) (Not backed by Congress found in congressional findings purposes & statements), liabilities it causes. \n* I mean why would you want Persons you hired to assume many vital roles other then whats authorized them to do, it seems like someone hasnt followed orders & shall be held liable for Civil & Criminal Liabilities, Damages caused by the assumption of over extending outside of lawful mandate.\n* Ultra vires , partaking in activity outside of lawful mandate. \n* Congress has made good faith effort to put the Laws in place to protect The Consumers from unfair practices & Fraudulent misconduct, Misrepresentations, predatory lending etc; Your Part as an Consumer is to know the Laws that were throughly thought of In consideration for the ones Wise enough to study them or embrace. \n* Congress put in ALL CAPS  ACCURACY & FAIRNESS OF CREDIT REPORTING Which isnt being displayed. \n* 15 U.S. Code  1681 -Congressional findings and statement of purpose (a) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings: (1) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. (2)An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers reporting agencies exercise their grave responsibilities (3) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. (4) There is a need to insure that consumer with fairness, impartiality, and a respect for the consumer's right to privacy.\n* Reporting false Information messing up credit worthiness , mode of living , character & general reputation of I The Consumer causing damages. \n* Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.\n* 15 U.S. Code  1681n - Civil liability for willful noncompliance.\n* 15 U.S. Code  1681o - Civil liability for negligent noncompliance.\n* Identity theft assuming many vital roles that I possess. \n* 18 U.S. Code  8 - Obligation or other security of the United States defined The term \"obligation or other security of the United States\" includes all bonds, certificates of indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes,Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value of of whatever denomination, issued under any Act of Congress, and canceled United States stamps.\n* A bill to my debtor strawman is an offer of his accepted credit to me as a Secured Party Creditor of the corporate United States.\n* I have therefor accepted his offer of credit for its value and returned it to AMEX for its value as a mutual offset credit exemption exchange (MOCEE) to settle this charge on his account which was documented & sent to AMEX XXXX XXXX, XXXX. \n* My endorsement with my Account # on back of the payment / remittance coupon transforms it into a Promissory Note that discharges the charge with a mutual offset credit exemption exchange (MOCEE) per insurance-policy-bond HJR 192 of 1933.\n* A bill is a demand for payment in \"lawful money of account of the United States\" postponed to when such \"lawful money of account of the United States\" is restored to use.\n* Florida UCC Filing delivered XXXX\n* I was the Secured Party Creditor regardless if I had filed the UCC or not. \n* I Am Secured Party Creditor , Consumer, Beneficiary, Original Creditor. \n* Since the U.S received the benefits of the credit se loaned it by pledge - that makes the U.S the debtor not the creditor. \n* The People of the Land of America are the creditors.\n* Full faith & credit of the U.S.A is back by the People on it. \n* Credit shall be released when claimed or requested. \n* No finance charge which is the sum of all charges wasnt included in Consumer Credit Transaction but other unlawful fees or interest etc are implemented into contract. \n* Bank usury is being displayed. \n* There has been no disclosure of the material facts by the bank or credit card company that they had nothing to give I, the Consumer in return for the obligations to them I assumed. \n* I Am Beneficiary, the government are trustees, any person holding account of mines is my trustee. Trustee pay debts, Beneficiaries do not. This government obligations are not taxable.\n* FRNS represents the U.S promise to pay interest to the federal reserve bank on these notes. \n* I have not borrowed any money as I am not the borrower in any Consumer Credit Transactions or Consumer Goods Transactions.\n* I have not seen a Law that sites I Shall pay a bill when those are obligations of the U.S. \n* I can not service a debt with a currency that has no value in backing or substance. \n* Currency backed by promises to pay on various debt instruments. \n* Filing, UCC filing A Creditor with standing in law , acquired the ability to state a claim upon which relief can be granted & not have the fruits of my labor taxed. \n* We have been discharging our strawmans bills with fiat money instead of paying them with your mural offset exemption exchange ( its not my debt personally but strawmans debt which is the government created Trust thats on the private side of commercial business).\n* Federal reserve notes do not pay debt but only discharge debt.\n* Your asking me to make payment with FRNs to settle my debt yet that isnt settling the debt but transferring it to someone else once discharged.\n* How can I pay a bill on a Positive Balance. Now your use extorting money out of the Consumer for addition funds. You already get paid through Private Accounts under that persons SSN. \n* All Accounts Prepaid Affidavit of truth sent to AMEX; unrebutted stands as truth. \n* Anything in Positive Balance cant be paid off, that Positive Balance is a Credit Balance you shall request having the right to. \n* I do/did not authorized AMEX to identify me as being the legal identity name on your documents. \n* Positive Balance is an Offer of Credit to the Real Organic Living Being not corporation made entity made by the U.S to run its commercial business. \n* The Man with all the Gold pays the bills. \n* Truth is expressed in a form of Affidavit.\n* An unrebutted Affidavit stands as truth in commerce.\n* A lien or claim can be satisfied only through rebuttal by counter Affidavit point for point, resolution by payment of claim. \n* I had pin pointed the constructive fraud in whole or in part of this Consumer Credit Transaction. \n* In Commerce truth is Sovereign. \n* A matter must be expressed to be resolved. \n* Secured Party Creditor of U.S Inc, I Am authorized by Congress to create money with my signature. ( HJR 192 Public Law 73-10 of 1933 ).\n* As a Secured Party Creditor of the U.S, I generate credit by the energy of my labor backed by the future commercial energy that I produce, so all of my debts are prepaid ( HJR 192. Public Law 73-10 of 1933).\n* Using FEDERAL RESERVE NOTES is voluntarily. \n* Consumer - cardholder or natural person to whom Consumer Credit is offered or extended. \n* I have no received my Rights as an consumer by AMEX.\n* Lender (Identity theft) is suppose to give form that informs the Consumer of my Rights to be able to opt out of credit reporting. \n* Every Transaction done theyre suppose to give you 2 copies of Rescission. \n* Fraudulent charging me for monthly bill under constructive fraud .\n* I shall be able to use my line of credit without any additional fees & charges. \n* Finance charge is the sum of all charges yet I am being charged extra fees , late fees, & interest. (Violation) Fraudulent acts \n* CFR  1026.4 Finance charge. (a) Definition. The finance charge is the cost of consumer credit as a dollar amount. \n* I was suppose to have one fee, the sum of all charges for the line of credit I received, not have a occurring monthly bill with an billing statement. \n* A monthly bill for a line of credit thats suppose to have a finance charge with the sum of all charges pursuant to 15 U.S. Code  1605 - Determination of finance charge. (a) \"FINANCE CHARGE\" DEFINED Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. (Violation extorting funds) \n* I have not received my Right to Rescind from AMEX. \n* Congress must Return Credit when claimed. \n* I Am not in debt to any financial institution , entity or Man. \n* No Respect for Consumer Law Rights \n* Violation of Consumer Law Rights","date_sent_to_company":"2023-04-07T04:33:46.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"33027","tags":null,"has_narrative":true,"complaint_id":"6802182","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2023-04-07T04:03:34.000Z","state":"FL","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["* Which the Social <em>Security</em> Number is an <em>Credit</em> Card that states behind it This card <em>belongs</em> to the Social <em>Security</em> Administration & you must return it if we ask for it\n* On Social <em>Security</em> Card behind it stated Improper use of of this card or number by anyone is punishable by fine, imprisonment or both \n* Voluntarily state \n* Coercing me to pay for a bill with FRNs which are optional."],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[5.663497,"6802182"]},{"_index":"complaint-public-v1","_id":"4788100","_score":5.3135605,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"on XX/XX/XXXX I submitted a complaint to CFPB regarding Experian and XXXX lack of following the LAW. This was the complaint in provided ... .On XX/XX/XXXX I submitted an identity theft report notarized through certified mail to Experian explaining that two items that were not opened by me needed to be removed from my credit report FTC report # XXXX. By law these items must be removed. Experian has no proof that these alleged items belong to me and have lacked validation or proof that would require these items stay on my credit report. By law these items must be removed. If Experian continues to report false information they are guilty of 15 US 1611 for willing and knowingly reporting false information. Experian is nothing more than an elaborate mechanism developed to obtain information without the consent of the original creditor which is myself pursuant to 12 USC 1431. Per 15 USC 6802 Experian is not even supposed to be reporting any information about me unless it's under my consent. Per 15 USC 1681 no transaction arose by my social should be included in a consumer report. The definition of identity theft is no consent, and these accounts did not have my consent and were not authorized to be opened, nor does Experian or anyone else have the right to deny me my rights provided. Experian has not investigated if these items belonged to me or not and next I will take legal matters for non-compliance on Experian 's part. This is not accurate or fair reporting according to 15 USC 1681 ( a ) and I Demand these items be removed. \n\nAfter receiving my complaint Experian responded with this generic message... ..Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We reviewed and considered the information you have supplied, including 3 attachments, through the CFPB portal and directly to Experian. In your complaint, you indicate that you have fraudulent items on your credit report. You request that Experian must delete these items. According to our records, 2 of the inquiries and the address you mention are not on your current Experian report. Per your previous requests to begin reinvestigations, we have been in the process of contacting the data furnishers to verify the accuracy of the information with which you disagree. Please note that a reinvestigation may take up to 30 days. Upon completion, the result summary will be provided directly to you for review via US Postal Service. There is nothing a credit repair company can do for you, including removing inaccurate credit information, that you cant do for yourself for free. We believe it is important to supply you with information about specific credit repair laws. The Credit Repair Organization Act, a federal law, prohibits credit repair companies from taking consumers money until they have fully completed the services they promised. It also requires such firms to provide consumers with a written contract stating all the services to be provided and the terms and conditions of payment. Under this law, consumers also have three days to withdraw from the contract. Please contact your local Attorney Generals office for further information regarding your specific state laws. According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, and notifying them of the dispute and disclosing all relevant information regarding your dispute. When we contact the furnisher or vendor, we ask that they verify all of the information regarding the item you disputed and report back within 30 days of the date that we received your request ( 21 days for Maine residents ). To help resolve the dispute, we will review all relevant documents submitted with the dispute and will forward them to the furnisher if we are unable to resolve the issue. We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or can not be verified, we then delete or modify that information, as appropriate. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information, and send you the results. In some instances we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. After we complete our processing, we send you the results. If you question the results of our dispute process, you may also contact the furnisher of information directly. Please refer to your credit report for the furnisher or public records office name, address, and phone number ( if available ). For more details, please visit Experian.com/disputeprocess. We received a copy of your identity theft report and notification that you are a victim of identity theft. However, we were unable to honor your request because you did not provide proof of your identity. In the meantime, a request to verify the accuracy of this information has been sent to the furnisher of the data. According to the Fair Credit Reporting Act, a request to block information resulting from identity theft must include appropriate proof of the identity of the consumer. Please confirm your identity by sending us the following : One copy of a government issued identification card, such as a drivers license, state ID card, etc. One copy of a utility bill, bank or insurance statement, etc. Please also include the following identification information : Your full name including middle initial ( and generation - JR, SR, II, III ) Social Security number Date of birth Complete addresses for the past two years Make sure that each copy is legible and displays your name and current mailing address and the date of issue. To protect your personal information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/upload. We are responding to your request that information in your personal credit report be blocked due to identity theft. Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block. Therefore, we are declining your request to block one or more of the items of information. If you have additional relevant information that indicates that the disputed item ( s ) resulted from identity theft, please contact us again and provide this information. If you still believe the disputed item ( s ) is inaccurate, then we will add a statement of continued dispute to the credit report at your request. For additional assistance, you may call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXXXXXX XXXX XXXXXXXX, XXXX, TX XXXX XXXX For more information regarding your credit and answers to frequently asked questions, you may visit www.experian.com/blogs/ask-experian. Please note that you may submit your requests and/or documents supporting your claim electronically at www.experian.com/upload. You may also visit Experians dispute center at www.experian.com/dispute. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. \n\nFirst off Experian I am making this complaint on my own, and for you to assume I had some repair company do this for me is discriminating. Im sorry that I know my rights and as an aware consumer I've studied and learned about FCRA, Truth in Lending and other aspects of consumer rights. You seem to have been intimidated by my knowledge and verbiage of the law. Second I provided proof of identity this time and numerous times. Why would you send me a dispute results sheet if my identity wasn't verified ( attached in this complaint ), do you just send out personal information to people who didn't verify with identification, I think not unless you like violations, so please don't lie and use stall tactics to avoid taking responsibility for your actions. So the fact that you refuse to correct information after being provided proof of inaccuracy, by lying and assuming is a violation of defamation, and willful injury at this point Per FCRA section 623 and all you are doing is building a case for me for when I sue your company because believe me, I have paper trail of all you responses and lack thereof. Don't ever assume a natural person who knows their rights, doesn't have the capability of research and educating themselves on the laws that are out here for everyone to see.You have no RIGHT to make those statements, and definitely no proof, and honestly I'm offended and my intelligence is insulted by such a comment. I assume you don't know the laws because otherwise you wouldn't have responded with that assumptive response, and as we know assumptions do not hold up in the court of law, especially from a credit reporting agency ( not Bureau ). So I tell you this, continue to break the LAW and create your own rules and we'll see how that holds up after I invoice you for the violations you committed, and prepare my documentation to take you to court for civil and criminal damages.I didn't request that Experian must delete these items. I requested you follow the LAW and By law these items must be removed which I've already provided you in my previous complaint and again for you in this response letter in case you missed it again. So unless your company thinks you're higher than law good luck with that. So this can get settled the right way or we can continue to fuel my case. I didn't write the law I just now how to follow it in such unlike your third party company.","date_sent_to_company":"2021-10-07T17:45:38.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91304","tags":null,"has_narrative":true,"complaint_id":"4788100","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-10-07T17:17:18.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I assume you don't know the laws because otherwise you wouldn't have responded with that assumptive response, and as we know assumptions do not hold up in the court of law, especially from a <em>credit</em> reporting <em>agency</em> ( not Bureau )."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Their</em> investigation did not fix an error on your report"]},"sort":[5.3135605,"4788100"]},{"_index":"complaint-public-v1","_id":"14831297","_score":5.083942,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern at the Consumer Financial Protection Bureau I am submitting this complaint due to multiple serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related federal laws by credit reporting agencies and furnishers who have reported inaccurate, outdated, and unverifiable information on my credit report these errors have severely harmed my financial stability and creditworthiness despite my efforts to resolve them the following is a detailed list of all disputed items with explanation and relevant law references XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This address is completely inaccurate and has never been associated with me in any capacity. \nLaw : FCRA Section 602 ( a ), 607 ( b ), and 609 ( c ) ( 2 ) Credit reports must contain only verifiable and accurate data.\n\nStory : I have never resided at or been linked to this address. I suspect this may be a result of identity confusion or misfiled data from a third party. The inclusion of this address on my credit report is causing confusion and may cause lenders to deny my applications based on false information. I have submitted utility bills, lease agreements, and government-issued identification proving my actual address. I respectfully demand immediate removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : False address reported without consent Law : FCRA Section 611 ( a ) ( 1 ) ( A ) Consumers have the right to dispute and correct errors Story : I have never been to this residence, nor used it in any documentation. This mistake may be hurting my financial reputation, especially in mortgage or auto loan applications. I respectfully request a full reinvestigation and deletion of this data immediately, as it is harming my credit profile unjustly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Late payment being reported inaccurately Law : FCRA Section 623 ( a ) ( 1 ) ( A ), 1681s-2 Furnishers must not report inaccurate or incomplete data Story : I enrolled in a self-credit builder account and ensured regular payments. I was informed my payments were on time. However, a late mark appeared which I was not notified of. This severely impacted my credit score during a period where I was actively seeking housing. I contacted the creditor but was met with vague responses. I request this be verified with full payment history and if unverified, it must be removed from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$690.00} * * Issue : Charge-off reported but account was disputed and partially paid Law : FCRA Section 623 ( b ), FDCPA 807 ( 8 ) Debt collectors and furnishers can not misreport disputed debts Story : I had a dispute with this account due to unexpected fees and aggressive terms. I attempted to settle the account, and partial payment was made. However, they went ahead and charged off the full balance. This was done during a time of financial hardship when I had contacted them seeking accommodation. This reporting is unfair, misleading, and damaging to my credit score. I request this be removed or corrected with proof of resolution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Charge-off remains even though balance is zero Law : FCRA 1681i ( a ) ( 5 ), 623 ( a ) ( 2 ) Inaccurate and outdated information must be corrected or removed Story : I voluntarily surrendered the vehicle during a difficult financial period and cleared the balance through a settlement. Yet, the account continues to report as charged-off, which misrepresents the current status. This is misleading and severely affects my creditworthiness. I demand correction or removal of this derogatory entry immediately XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} * * Issue : Charge-off after voluntary surrender, no updated status Law : FCRA 623 ( a ) ( 1 ), 1681s-2 ( b ) Information must be complete and accurate Story : This account was settled after a voluntary surrender. I was transparent with the lender and returned the vehicle during COVID-related hardship. The lender failed to update the account accurately and is still showing the original charge-off. This gives the false impression that the debt is unresolved. I request the charge-off be removed or at least marked as \" Settled in Full '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} * * Issue : Charge-off still showing after zero balance Law : FCRA 1681c ( a ) ( 5 ), 623 ( a ) ( 2 ) ( A ) Data must be updated when it changes Story : This account has had a zero balance for years. Continuing to list it as a charge-off is deceptive and unfair. It reflects negatively on my credit profile even though the debt has been settled. I request immediate correction or removal of this derogatory information XXXX  Inquiry on XX/XX/XXXX Issue : Unrecognized hard pull Law : FCRA 604, 615 Permissible purpose must exist Story : I never applied for credit from this institution. No signed authorization exists, and I suspect this may be a result of pre-screening or misused data. This inquiry was not authorized by me and must be removed from my file I have suffered significant financial distress due to these errors including being denied housing and loans and experiencing emotional and psychological pressure from poor credit reporting I am requesting that the CFPB investigate each of these items and direct the credit bureaus and furnishers to correct or delete all inaccurate unverified or unauthorized data listed above I am also requesting that all supporting documents from each furnisher and bureau involved in these accounts inquiries and addresses be reviewed and provided to me as per my rights under the FCRA please ensure a full response within the 30-day investigation window as legally required thank you for your assistance in correcting these ongoing injustices XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Wrong Address Law : FCRA 609 ( c ) ( 2 ), 602 ( a ) All reported information must be accurate and verifiable.\n\nStory : I have never lived at this address. I have no ties to this residence, and it does not reflect any part of my life history. The presence of this incorrect address on my report has caused multiple disruptionsmy bank flagged my account for possible fraud due to inconsistencies, and I was required to submit extra identity documents to validate who I am. This incorrect reporting has also made it difficult to apply for a job, as an employer background check came back with mismatched address history. \nXXXX XXXX XXXX XXXX XXXX, FL XXXX Issue : Wrong Address Law : FCRA 610 ( a ), 611 ( a ) Furnishers must investigate and remove unverifiable information.\n\nStory : I have never lived at this address, rented a unit here, nor used this address for any purpose. Because of this inaccurate entry, my rental application for an apartment was denied. The leasing office stated that my residence history was inconsistent and appeared suspicious, leading to a denial that affected my living situation and forced me to pay extended hotel costs for temporary housing. \nXXXX XXXX XXXX XXXX, NC XXXX Issue : Wrong Address Law : FCRA 623 ( a ) ( 1 ) ( A ) Story : I have never lived in the state of North Carolina. I have never traveled to this location, rented here, nor had any contact in XXXX. This false address has triggered alerts on multiple platforms suggesting potential identity theft. I have received fraud alerts and lost access to my mobile payment app temporarily because it could not verify my address due to this wrong listing. \nXXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$460.00} * * Issue : Charge-Off Law : FCRA 611 ( a ), FDCPA 807 ( 2 ) ( A ) Story : This account does not belong to me. I have contacted XXXX XXXX and they have no matching account on file with my personal information. Despite this, the charge-off is still reporting and harming my credit. I was denied a secured credit card and forced to rely on expensive payday loans for an emergency because this account drastically reduced my credit score. It is extremely unfair that I am being penalized for something I have nothing to do with. \nXXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$9300.00} * * Issue : Charge-Off Law : FCRA XXXX ( a ) ( 1 ), FDCPA 805 ( b ) Story : I never opened any account with XXXX. Ive contacted them directly, and they were unable to find my name, Social Security Number, or any other personal data associated with this loan. Yet, this massive debt continues to appear on my credit report. As a result, I have been denied financing for a vehicle I desperately needed to commute to work. I lost out on a job because I had no transportation, and this all stems from this false entry. \nXXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} * * Issue : Charge-Off Law : FDCPA 807, FCRA 623 ( a ) ( 5 ) Story : This debt is not mine. I never had any dealings with XXXX XXXX XXXX. Ive asked for debt validation and was ignored. I believe this is a fraudulent account that was opened without my knowledge. It has caused major problems with trying to secure housing. A landlord informed me that the debt history created too high of a risk, and I was denied even though I provided proof of employment and sufficient income. I feel targeted and defamed. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$1600.00} * * Issue : Collection Law : FDCPA XXXX ( a ), FCRA XXXX ( a ) Story : Ive never received any collection notice or bill for this amount. I do not know what the debt is for or who is trying to collect it. I suspect identity theft or misreporting, yet it was placed on my report without any chance to verify or dispute. This has ruined my chance to consolidate my student loans, as the servicer flagged me as high-risk due to active collections. \nXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$51.00} * * Issue : Collection Law : FCRA 602 ( b ), FDCPA 807 ( 8 ) Story : Ive never had any account with this agency or debt associated with this collector. A {$51.00} debt may seem small, but its impact has been devastatingI was denied a secured credit card, lost access to BNPL ( Buy Now Pay Later ) services, and even had my utility company request a security deposit due to the existence of a reported collection on my file. This is not my debt and it must be removed. \nI demand that all erroneous and unverified information be permanently removed from my credit file without delay. Continued reporting of unsubstantiated items is not only reckless but unlawful under the Fair Credit Reporting Act. If the agency fails to take immediate action, I will pursue all available legal remedies. I also request a written summary confirming the resolution and deletion of the disputed data.","date_sent_to_company":"2025-07-23T21:16:42.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"28278","tags":null,"has_narrative":true,"complaint_id":"14831297","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-23T21:14:23.000Z","state":"NC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Yet, the account continues to report as charged-off, which <em>misrepresents</em> the current status. This is misleading and severely affects my creditworthiness."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[5.083942,"14831297"]},{"_index":"complaint-public-v1","_id":"7532558","_score":4.2135787,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"This is a formal dispute letter to the Fraud Department of Huntington Bank Dear Huntington Bank Fraud Department, My name is XXXX XXXX XXXX and I am a citizen of the United States of America. I am writing this letter to inform Huntington Banks Fraud Department that I have recently been a victim of fraud perpetrated by the fraudulent trading company called XXXX XXXX using a mobile application called XXXX. Since all the transactions that I am disputing in this letter were authorized by me which I was manipulated to believe to be for trading purposes, I believe that the fraud that I was a victim of is called Authorized Push-Payment Fraud. I have also strong reasons to believe that money laundering and potentially terrorism financing are involved in the said fraud. I kindly ask for Huntington Bank Fraud Department to look into this matter. \nIn this letter, I will be providing a detailed account of how the fraud started, how I was tricked into investing a huge amount of money in the platform, and how I found out that I was being scammed. All of the pieces of evidence regarding this fraud case that I was able to gather are attached to this letter in the Appendices for your full disposal. If you need more information/documents from me, just let me know and I shall send them immediately as soon as I can. \nWhy I am contacting Huntington Bank To summarize the flow of money, I deposited XXXX money to my XXXX wallet through wire transfers from my Huntington Bank account. From XXXX, I bought cryptocurrencies and transferred them to my XXXX wallet. From there, I sent my crypto to the wallet addresses that were provided to me by the scammers, thinking that the money I was sending was going to my XXXX trading account balance. Since the trading platform is fake and its involvement with the trading market is nonexistent, this implies that my money did not arrive at XXXX trading platform. This is essentially money laundering because the purpose and destination of the money I sent were kept hidden from me. As the sender, I realize that it is part of my responsibility to only send money to a trusted recipient in order to avoid money laundering. However, even more than mine, it is the responsibility and legal obligation of Huntington Bank to make sure that the transactions happening in its bank is free of money laundering and other financial crimes as part of its compliance with United States Bank Secrecy Act sometimes referred to as anti-money laundering act or AML act. Although Huntington Bank did ask me about the purpose of my transactions, which is trading, they did not continue to ask me about the name of the trading platform that I was dealing with. If they did, they would have known that I was dealing with XXXX XXXX and, using their extensive database and researching capabilities, they would have found out that this trading company is unlicensed to operate in the United States. Right then and there, Huntington Bank could have done something to stop my transfers. Due to this fact, I believe that Huntington Bank is partly liable for my financial loss because of its failure to protect my assets from being sent to fraudsters. Hence, I fully expect Huntington Banks cooperation and assistance regarding my concern. \nScam Story and Description On the XXXX of XX/XX/2023, I was approached on XXXX by a person calling herself XXXX XXXX. We messaged a few times on the platform. Eventually, our conversation transpired to XXXX at her request. This went on for months. Ultimately, she told me that she was an Economics graduate from XXXX University in the XXXX and was very wealthy. Supposedly, she had a very connected uncle named XXXX XXXX who resides in California. She also told me that founded a company called XXXX and invested in property in XXXX and USA. She coached me all the way through this process and said she was also making millions of dollars on this trading forum which is XXXX XXXX. She asked me to download XXXX on my XXXX. I checked the reviews of the application and at the time I did not see anything bad. She then taught me in demo mode how to open a position for trading gold futures and then close at the right time. And this is how the series of deposits began. Eventually, the amount of money that I deposited to XXXX reached XXXX USD, while my trading account balance reached XXXX USD. When I requested a withdrawal, they did not allow me. They told me that I need to pay a tax payment of XXXX USD in order to withdraw all of my accounts balance on XXXX. At this point, I already suspected that they were scamming me. I did not provide them with the tax payment since I found out that only banking institutions are allowed to ask for tax payments. They eventually XXXX my account on the platform. The fact that they were able to XXXX the balance on my XXXX trading account cements the reality that the numbers on the trading platform are purely manipulated by them. \nI have attached all of the relevant documents in the Appendices. I kindly request the enforcement of the Fraud Department of Huntington Bank to look into this matter. \n\nList of Wire Transfers to XXXX Below is the list of my wire transfers from my Huntington account to the bank account to XXXX. Huntington Bank should be able to confirm that the recipient of these wire transfers is the beneficiary bank of XXXX. Proof of these wire transfers is attached in the Appendices. \n- Transaction 1 Amount : XXXX USD Date : XX/XX/2023 Description : OUTGOING FEDWIRE TRANSFER - MANUAL - Transaction 2 Amount : XXXX USD Date : XX/XX/2023 Description : XXXX ACH PAYMENT XXXX XXXX - Transaction 3 Amount : XXXX USD Date : XX/XX/2023 Description : OUTGOING FEDWIRE TRANSFER MANUAL - Transaction 4 Amount : XXXX USD Date : XX/XX/2023 Description : OUTGOING FEDWIRE TRANSFER MANUAL TOTAL : XXXX USD Huntington Banks Responsibility as My Trusted Bank and Expected Resolution Huntington Bank is a member of the Federal Deposit Insurance Corporation ( FDIC ). FDIC is the primary federal regulator of banks that are chartered by the states that do not join the Federal Reserve System. In addition, the FDIC is the backup supervisor for the remaining insured banks and savings associations. FDIC serves both as an insurance organization as well as a regulator of its member banks. The FDIC examines its member banks for compliance with consumer protection laws. As such, as an FDIC member, I would expect Huntington Bank to follow the regulations set forth by the FDIC such as BSA/AML compliance program.\n\nPart 353 Suspicious Activity Reports of the Code of Federal Regulations, which can be accessed online here : XXXX XXXX  XXXX XXXX, states that an FDIC supervised institution must file a Suspicious Activity Report when it detects a known or suspected criminal violation of federal law or a suspicious transaction related to a money laundering activity or a violation of the Bank Secrecy Act. In Part 353.3 Reports and records, suspicious circumstances were listed : 1. Insider abuse involving any amount. \n2. Transactions aggregating XXXX USD or more where a suspect can be identified. \n3. Transactions aggregating XXXX USD or more regardless of potential suspects. \n4. Transactions aggregating XXXX USD or more that involved potential money laundering or violations of the Bank Secrecy Act. The following are suspicions for money laundering : a. The transaction involves funds derived from illegal activities or is intended or conducted in order to hide or disguise funds or assets derived from illegal activities ; b. The transaction is designed to evade any regulations promulgated under the Bank Secrecy Act ; or c. The transaction has no business or apparent lawful purpose or not the sort of transaction in which the particular customer would normally be expected to engage, and the FDIC-supervised institution knows of no reasonable explanation for the transaction after examining the available facts, including the background and possible purpose of the transaction. \nI would like to emphasize that my fraud-related transactions through Huntington Bank were exhibiting multiple money laundering indicators. Although Huntington Bank did ask me for the purpose of the wire transfers before allowing them to go through, they failed to ask me about the trading platform that I was dealing with. Hence, I hold Huntington Bank partly liable for my financial losses amounting to XXXX USD. As such, I fully expect Huntington Bank to assist me in recovering the money I lost by contacting the beneficiary bank of my wire transfers and to request for wire recalls. I believe that I have provided all the necessary documents that will support my story. \nI hope Huntington Bank stays true in its commitment in fighting against financial crimes such as money laundering, terrorism financing, and financial fraud. \nI hope to receive your response as soon as possible. \n\n\nXXXX XXXX from hunting responded on Dear XXXX XXXX, This letter is in response to your email received by our XXXX inbox on XX/XX/2023, regarding your checking account ending in XXXX held with The Huntington National Bank ( XXXX ). In addition, this is a follow up to our conversation on XX/XX/2023 ; it was a pleasure speaking with you. \n\nXXXX XXXX, I understand that this has been a very difficult time for you. I am deeply disappointed to hear of the circumstances you described. In your correspondence, you advised Huntington that you have been the unfortunate victim of a scam. On or about XX/XX/2023, you authorized multiple transactions in the total amount of {$160000.00} for the purpose of sending money to someone through outgoing wire transfers as well as XXXX ACH Payments. Once received in your XXXX  XXXX XXXX, you used those funds to purchase Crypto currency. Regretfully, after the funds were sent, you identified that the transaction was not legitimate. \n\nPlease be aware that funds sent as an outgoing wire and ACH transactions are often available to the receiving account owner immediately. Huntington does not have recourse on these funds since the transaction was initiated by you and sent to the intended recipient using the information you provided. Please know that Huntington does not recommend using this service to pay for goods or services and does not have the ability to stop money from being sent once the transaction has been authorized. \n\nIf you have not done so already, we recommend that you file a police report as well as an XXXX ( XXXX XXXX XXXX XXXX ) complaint. Huntington will respond to any information requests from law enforcement authorities relative to this matter. \n\nXXXX XXXX, I want you to have the highest level of confidence and security by providing you with information on how to protect yourself against scams, for more information please visit : XXXX XXXX XXXX. In addition, information on ways to avoid fraud scams can be found by visiting XXXX, we have included some of the common tips below, for your review. \n\n\nMember FDIC. and Huntington are federally registered service marks of Huntington Bancshares Incorporated. 2023 Know who youre dealing with. In any transaction you conduct, make sure to check with your state or local consumer protection agency and the XXXX XXXX XXXX ( XXXX ) to see if the seller, charity, company, or organization is credible. Be especially wary if the entity is unfamiliar to you. Always call the number found on a websites contact information to make sure the number legitimately belongs to the entity you are dealing with. \nPay the safest way. Credit cards are the safest way to pay for online purchases because you can dispute the charges if you never get the goods or services or if the offer was misrepresented. Federal law limits your liability to {$50.00} if someone makes unauthorized charges to your account, and most credit card issuers will remove them completely if you report the problem promptly. \nGuard your personal information. Crooks pretending to be from companies you do business with may call or send an email, claiming they need to verify your personal information. Dont provide your credit card or bank account number unless you are paying for something and know who you are sending payment to. Your social security number should not be necessary unless you are applying for credit. Be especially suspicious if someone claiming to be from a company with whom you have an account asks for information that the business already has. \nStay safe online. Dont send sensitive information such as credit card numbers by email because its not secure. Look for clues about security on Web sites. At the point where you are asked to provide your financial or other sensitive information, the letters at the beginning of the address bar at the top of the screen should change from http to https or shttp. Your browser may also show that the information is being encrypted, or scrambled, so no one who might intercept it can read it. But while your information may be safe in transmission, thats no guarantee that the company will store it securely. See what Web sites say about how your information is safeguarded in storage. \nBe cautious about unsolicited emails. They are often fraudulent. If you are familiar with the company or charity that sent you the email and you dont want to receive further messages, send a reply asking to be removed from the email list. However, responding to unknown senders may simply verify that yours is a working email address and result in even more unwanted messages from strangers. The best approach may simply be to delete the email. \nResist pressure. Legitimate companies and charities will be happy to give you time to make a decision. Its probably a scam if they demand that you act immediately or wont take No for an answer. Some scammers may also demand you pay off a loan immediately or damaging consequences may occur, always take time to look into who is requesting the money before you pay up. \nDont believe promises of easy money. If someone claims that you can earn money with little or no work, get a loan or credit card even if you have bad credit, or make money on an investment with little or no risk, its probably a scam. Oftentimes, offers that seem too good to be true, actually are too good to be true. \nFully understand the offer. A legitimate seller will give you all the details about the products or services, the total price, the delivery time, the refund and cancellation policies, and the terms of any warranty. Contact the seller if any of these details are missing, if they are unable to provide the details, it may be a sign that its a scam. \n\nXXXX XXXX, I appreciate the opportunity to address your concerns. If you have any questions or additional concerns you would like to discuss, please contact me at ( XXXX ) XXXX, or toll free at ( XXXX ) XXXX, request that a Customer Solution Center professional transfer you directly to me and I will be happy to assist you.\n\nI since have reached out for clarification with no response back in over 6o days now.","date_sent_to_company":"2023-09-11T20:35:21.000Z","issue":"Fraud or scam","sub_product":"Money order, traveler's check or cashier's check","zip_code":"55449","tags":null,"has_narrative":true,"complaint_id":"7532558","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HUNTINGTON NATIONAL BANK, THE","date_received":"2023-09-11T20:12:21.000Z","state":"MN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>Credit</em> cards are the safest way to pay for online purchases because you can dispute the charges if you never get the goods or services or if the offer was <em>misrepresented</em>. Federal law limits your liability to {$50.00} if someone makes unauthorized charges to your account, and most <em>credit</em> card issuers will remove them completely if you report the problem promptly. \nGuard your personal information."]},"sort":[4.2135787,"7532558"]},{"_index":"complaint-public-v1","_id":"6775980","_score":4.021185,"_source":{"product":"Debt collection","complaint_what_happened":"Capital One Quicksilver The nature of this Consumer Credit Transaction is Summed to 15 U.S. Code S 1692 - Congressional findings and declaration of purpose ( a ) ABUSIVE PRACTICES There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. Pursuant to 18 U.S. Code 1014 - Loan and credit applications generally ; Capital one is in violation for knowingly making any false statement or report, or willfully overvalues any land, property or security. Form of Identity theft exists in these Consumer Credit Transactions with Capital one false claiming & assuming vital roles as the Creditor, administrator, lender, beneficiary. I am the beneficiary which does not pay debt, trustee pay debt which is Capital one. Capital one is the trustee thats obligated to the Beneficiary, I. I am suppose to be able to trust Capital one with overlooking accounts, complying with my demands & Request. Capital one has failed to lawfully conduct business properly, not throughly & carefully investigating the nature of ALL Disputes & Documents but fraudulently coming after I for bills I am not obligated to pay for nor possible to pay with no Gold or Silver substance pursuant to 18 U.S. Code 8 - Obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money. Coming up with many ways deceptive forms to coerce me for payment of a bill. All phone calls I had with Capital one the Customer service was horrible with no one being able to actually help but only make the situation worst causing more damages correlating to Civil Liabilities pursuant to 15 USC 1692k. Every interaction I had with capital one in good faith has been neglected & dismissed, not once did I see any attempt of Capital one displaying lawful consideration. Not once have I been informed of my Rights will full disclosure as an Consumer. An Consumer have Rights constructed under a system in place for the them called Consumer Protection Laws.\n\nEmployees misinforming you of your Consumer Rights, seems inevitable to happen if they are looking at you as an Customer instead of the Consumer. Capital one has failed to Realize or take Accountability of the fact that this is an Consumer Credit Transaction & fails to innerstand what Consumer Protection Laws is. Consumer protection laws safeguard purchasers of goods and services against defective products and deceptive, fraudulent business practices. Businesses like this knowing the true nature of what it possess leaves no excuse for them to not make the Right & lawful consideration. Disobeying & Neglecting Consumer Protection Laws as if they are above it, feeling like they dont have to comply with. Capital one referring to me as an Customer. A Consumer & an Customer are two separate things. Last time I checked you will not be able to find the word Customer related or under Consumers Protection Laws. Giving I, the Consumer deceptive information while I Am Embracing or Exercising my Consumer Laws Rights resulted in Capital One closing my account. So because I was exercising my Consumer Rights my account has been closed by Capital one. Coercing me for payment Capital one has but when trying to pay with a payable instrument it is not recognized as payment. I have accepted coupons for value & returned to sender extinguished somehow I was told they are not accepting that form of payment yet pursuant to UCC 3-603 TENDER OF PAYMENT, UCC 3-104 NEGOTIABLE INSTRUMENT, UCC 3-110 IDENTIFICATION OF PERSON TO WHOM INSTRUMENT IS PAYABLE it is illegal for them not to accept that form of payment. The form of payment is acceptable but they coerce you to use your FRNs for payment only. Paying with FEDERAL RESERVE NOTES are optional. Capital one has been Reporting my account as delinquent while in dispute. Capital one will not/can not bind me to there contract as I am the only one with verifiable risk. I have the Right to release myself from any contracts I put myself in. Civil and criminal liability for willful noncompliance to keep me obligated to terms thats not binding & not releasing funds thats due to I, the Consumer as I demanded & requested lawfully. With an Billing error notice acknowledging how my billing is incorrect being aware it is an Credit balance. Pursuant to 15 U.S. Code 1666d - Treatment of credit balances- Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall- ( A ) credit the amount of the credit balance to the consumer 's account ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months. Capital one has Neglected my Demand of remaining credit balance, displaying many acts of not doing business in good faith or having any lawful consideration.\n\nBenefit of an obligor, in every Consumer Credit Transaction the entity refers to the Consumer paying the bill as the obligor as they are obligated to pay under there terms, which Capital one sure does view me as in this contract holding me obligated to there terms. Capital one has been using many deceptive forms to coerce payment from me for fictitious alleged debt, thats actually coerced debt under constructive fraud without any validation there is an actual debt on my behalf. Informing me how youve found my account in the system and its mines with the wrong address on it isnt/doesnt validate the debt itself, thats specifically validation to the fact that its one of my accounts. Without sending proper validation of debt, sending me a billing statement with transactions experiences all over it isnt debt validation. Pursuant to 15 U.S. Code 1692g - Validation of debts ( 3 ) & ( 4 ), I have not received any of those statements. Failure to properly disclose within five days after the initial communication with a consumer in connection with the collection of any debt. The contracts in whole & part are null and void with Capital one conducting In business outside of its lawful mandate ( Ultra Vires ). If banks are not suppose to loan money ( Own Stock ) pursuant to 12 USC 83 whos credit is Capital one loaning then? Pursuant to 12 U.S Code 83 the fact that Capital one takes ownership claiming to loan me money is an violation. 12 U.S. Code 83 - Loans by bank on its own stock - a ) General prohibition No national bank shall make any loan or discount on the security of the shares of its own capital stock b ) Exclusion For purposes of this section, a national bank shall not be deemed to be making a loan or discount on the security of the shares of its own capital stock if it acquires the stock to prevent loss upon a debt previously contracted for in good faith. Loaning the credit of the people since XXXX in form of promissory notes, there is no real money in circulation. As you can see Banks is leasing the credit of the people of United States back to them with unlawful fees, interest & charges. The greed to triple dip or more on someones credit & not repay them or compensate them is truly fraudulent. True Full Accounting of where the funds are being pulled from has not been provided as I requested & demanded. Im sure wont ever be provided as Ive ask for the full accounting of this Consumer Credit Transaction back in XXXX of XXXX. True Full Accounting would show exactly where the credit or money stems from. It is my Credit I am being leased back plus interest, late fees which shouldnt exist pursuant to 15 U.S. Code 1666b - Timing of payments. Full faith & Credit of the United States is backed by the people. Minimum payments and all other charges are violations in the process of the Consumer Credit Transaction/ Consumer Goods Transactions , false representations of dollar amounts owed or due pursuant to 15 U.S. Code 1692e - False or misleading representations ( 2 ) The false representation of- ( A ) the character, amount, or legal status of any debt. Pursuant to 15 U.S. Code 1605 - Determination of finance charge, Finance charge shall be the only charge in this Consumer Credit Transaction as its suppose to cover the sum of all charges not leaving a bill behind. UCC 1026.4 Finance charge ( a ) Definition - The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. Finance charge is the sum of all charges including fees, interest any/all other charges therefor in a lawful Consumer Credit Transaction 1 charge should have been it. False/inaccurate information from is given to me every interaction with Capital one, deceptive forms pursuant to 15 U.S. Code 1692j - Furnishing certain deceptive forms. Capital one Displaying unfair practices pursuant to 15 U.S. Code 1692f - Unfair practices -A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Continuously oppressing, harassing & Neglecting I and my demands affecting my credit worthiness, general reputation & mode of living. Pursuant to 15 U.S. Code 1692d - Harassment or abuse ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Constantly telling me I am obligated under Capital one terms and my Accounts are late/due for payments. Informing me they can report false information to the CRAs because they claim the information being report is correct and valid yet has not used the proper procedures to lawfully determine the facts.\n\nCapital one is on a Cease & Desist notice pursuant to 15 U.S. Code 1692c these are the only acceptions Capital one may reach out to me now 15 U.S Code 1692c - Communication in connection with debt collection ( C ) Cease communication, expect 1. to advise the consumer that the debt collector 's further efforts are being terminated ; 2. to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or 3. where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. There should be no other reason Capital one contacts I furthermore for any bills or payment on any of my Accounts. Capital one doing adverse action on my credit card due to disputes. Unlawful to close a Consumers account due to them expressing their Consumer Laws. Capital one has completely failed to give me proper communications. Failure to give any validation of debt pursuant to 15 U.S. Code 1692g - Validation of debts ( a ) NOTICE OF DEBT ; CONTENTS The Original Creditor is not Capital One, I AM the Original Creditor whose credit I am using, Deceived by identify theft, misrepresentation. Capital one doesnt have credit nor money but using the credit & funds of the people to fulfill its business life. If people were to stop applying for these credit applications using there SSN which is a credit card with funds & stop funding these businesses then how would they be able to provide any service if not needed. Capital one whole business model is set up as fraud. Coerced debt is forced debt. Capital one has failed to give me Full Disclosure of my right to dispute the validity of the debt so I may be informed how to go about clarifying the validation of the debt or anything else related to Consumer Credit Transaction Im suppose to know in initial communication with Capital one was not received. Taking advantage of 15 USC1692g Validation of debts not giving full disclosure, I was obviously not aware of being able to dispute the validity of debt from the beginning, the 1st initial communication between I & Capital one. Paying for things thats already paid for because Ive never dispute validity of debt & continuously making monthly payments in good faith further proving the debt was in valid. Giving Capital one room to assume the debt was valid but once I start disputing & exercising my Consumer rights nothing changes with Capital one as they insist on neglecting my Consumer rights. Capital one is in violations of criminal & civil liability pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance, Civil liability pursuant to 15 U.S Code 1692k, 15 U.S. Code 1611 - Criminal liability for willful and knowing violation & 15 U.S. Code 1640 - Civil liability. Capital one has been informed of all of there ill will with documents sent marked with all the violations proof that pinpoints exactly how it is a violation & where it has been. Limited to the violations I found, not all that exist. There violations has been blind eyed. Capital one couldnt rebuttal or properly respond to any of my Documents in a timely manner or in general. Unrebutted Affidavits stands as truth & its past Capitals one deadline to lawfully pinpoint any issues on the Affidavits they may believe is not true or incorrect. Capital one should be ashamed for how unprofessional, unethical & lack of morals they posses as there nature. Form of payment with amounts for violation was given, clearly to satisfy the damages they cost upon I, the Consumer civil & criminal liabilities. I have tried all I can in good faith to settle & satisfy my Accounts in a lawful manner while being neglected. All demands/requests made to Capital one as the beneficiary, Consumer has been denied. Capital one has shown there incapability of not being able to make any proper or lawful consideration in conducting healthy business. Working closely together with CRAs they collaborated with damaging my credit worthiness, general reputation & mode of living. Pursuant to 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system, ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers, ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. About 6 months in dispute with Capital one they have failed to properly update my accounts communicating it with CRAs so all is aware. Failed to communicate with I in an lawful manner about notices like my account being closed the first couple months in dispute with them. Failed to respect any of my rights as the Consumer, neglected all forms of Documents received not willfully complying to any demands/requests. Its clear NFCU is in violation of many of my rights in this Consumer Credit Transaction as an consumer. 15 U.S. Code 6803 - Disclosure of institution privacy policy a financial institution shall provide a clear and conspicuous disclosure to such consumer. Note : Just because no more violations arent listed doesnt mean there isnt any more done in These consumer credit transactions, as stated in 15 USC 1692 There is ABUNDANT EVIDENCE of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Capital one completely failed to give me any procedures on how theyve come up any of the claims or conclusions they have like validation of debt or them having the right to report how they are currently reporting false information that can not or hasnt been proving etc. The time gap for Capital one to have sent any documentation elaborating the procedures for any claims or chances to rebuttal Affidavits or any other Documentation is closed. The duration of those procedures does not take months to attend to especially with it being a requirement by law that they reply within a given duration they have failed to constantly do. Furthermore to interfere With our proper timing of communications on all forms Capital one has been sending Mail to an address thats previous on my account but I am not attending to or an residence at no longer. Nor is it a Primary address or an Address in usage.\n\nFINAL NOTICE TO ALL.\n\nAffiliations & Partnerships of CAPITAL ONE Conduct Lawful business with the Greatest Intentions of being in Service of the People to help YOU pay your Karmic Debt youve been harnessing, collecting since the Birth & Establishments of your entities. Capital one claims to not take fault for any damages done - UCC filing completed - Secured Party Creditor - I AM EXEMPT from all you try to enforce & coerce upon I.\n\n- The Secured Party/ Creditor is also able to discharge debts, because he is exempted from debts in the first place. This is done using the '' Acceptance for Value '' principle.\n\n- I have accepted for value & returned to sender settled & satisfied in good faith - A secured party is also legally backed to only transact using gold and silver. But since this has been expunged due to the government 's bankruptcy sham, the secured party is therefore not mandated to pay such debts or taxes in gold or silver, because they are not available.\n\n- Since congress borrows \" money substitutes '' ( FRNS ) on the basis of my credit since I am one of the people of the United States, Congress gives me an unlimited credit exemption that I can use to discharge the debts that I can not pay with FRNs because FRNs are not \" real money of account of the United States '' that \" pays '' debts. Congress permits me to use my personal credit exemption to pay charges that FRNSs can only \" discharge. '' - Entity, Corporations doesnt have wet ink signature ( Fictitious Being ) Paid attention or belief makes it real - Belief in any system makes It Alive - Also, the state is a \" debtor '' and therefore can not compel a Secured party who is a \" creditor '' to pay anything. They borrowed from people of America in the first place, and therefore are indebted to the American People ( People of the Land ) - We the people provide the credit for every instrument that we endorse the very instant we endorsed it.\n\n- Our signature represents the intangible personal credit that we provide. We only have to pay for what we get with money substitutes ( FRNs ) because our suppliers usurp our personal credit exemption for their own use when we fail to object and do not demand our personal credit exemption for ourselves. They can't do this when we object.\n\n- All taxes are interest payments that accrue from the principle of the lenders of personal credit ( meaning us ) to the lending institutions of the corporate UNITED STATES, and these interest payments must be returned to the lenders of personal credit ( to us ), when so claimed, for the close of escrow lest we be found guilty \" for failing to make the return ''.\n\n- All Billing statements Violation Pursuant to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions - the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; - Consumers Report is an Billing Statement - A billing statement is a monthly report that credit card companies ' issue to credit card holders showing their recent transactions, monthly minimum payment due, and other vital information. Billing statements are issued monthly at the end of each billing cycle. Violations All over Billing statements with symbols, being deceptive form etc pursuant to 15 U.S. Code 1692j -Furnishing certain deceptive forms, 15 U.S. Code 1692f Unfair practices Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram & 15 U.S. Code 16926 -Acquisition of ocation information ( 5 ) ( B ) - 15 U.S. Code 1692b- Acquisition of ocation information - 33 U.S. Code 931 - Penalty for misrepresentation - 15 U.S. Code 1692f - Unfair practices - 15 U.S. Code 1681 m- Requirements on users of consumer reports- 18 U.S. Code 242 - Deprivation of rights under color of law - 18 U.S. Code 8 - Obligation or other security of the United States - 18 U.S. Code 241 - Conspiracy against rights - 15 U.S. Code 1692e - False or misleading representations - 15 U.S. Code 1681i - Procedure in case of disputed accuracy - 15 U.S. Code 1681n - Civil liability for willful noncompliance - 15 U.S. Code 1681o - Civil liability for negligent noncompliance - 15 U.S. Code 1611 - Criminal liability for willful and knowing violation - 31 U.S. Code 3729 - False claims - 18 U.S. Code 1014 - Loan and credit applications generally ; renewals and discounts ; crop insurance - 15 U.S. Code 1693n - Criminal liability - 15 U.S. Code 1692c -Communication in connection with debt collection - 15 U.S. Code 1692k - Civil liability - 15 U.S. Code 1692d - Harassment or abuse - 15 U.S. Code 1692g - Validation of debts - No Valid verification of debt just word of mouth accusing of alleged debt.\n\n- Coupon : \" A coupon or coupon payment is the annual interest rate paid on a bond, expressed as a percentage of the face value and paid from the issue date until maturity. Coupons are usually referred to in terms of the coupon rate ( the sum of coupons paid in a year divided by the face value of a bond in question ). A certificate attached to a loan instrument that can be separated from the instrument and presented after a specified time for the collection of interest. '' - Coupon Bonds : \" bonds to which are attached coupons for the several successive installments of interest to maturity.\n\n- As the Beneficiary, Administrator, Lender, Original Creditor, Consumer, Organic Living Being I DO NOT OWE anything to any corporation, entity or man - Beneficiaries dont pay debt, Trustees do which is CAPITAL ONE - CAPITAL ONE is the debtor, trustee - CAPITAL ONE Is not the creditor, Lender - I Am the Original Creditor, Beneficiary, Consumer- Not accepting negotiable instrument making account more late - Have not returned any payment coupons but claim payment was not accepted, yet payment delivered & not returned - Fictitious Debt this is, Made Up Debt, EX. Would be print more money to seem wealthy which the U.S does naturally due to being Fraudulent by Nature.\n\n- The U.S is in Debt, I AM Not in Debt to any entity or persons - Banks are in debt, I AM not in Debt - The U.S & Banks borrowing the credit from the people with no intentions on returning it - Credit of the U.S is backed by the People of America - Debt belongs to the trustees - The U.S is suppose to be my Trustee, responsibility being reassuring my Accounts are in my benefit of Great Standings. Beneficial to I the Beneficiary.\n\n- All Corporations who has Access to any of my Accounts are my Trustee working for I, The Beneficiary.\n\n- Trustee is suppose to be in service of the beneficiary - Debt belongs to the U.S as it is their duty to fulfill their obligations pursuant to 18 U.S. Code Obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, - Coerced debt is an form of identity theft - Identity Theft assuming the Role of a Original Creditor, I AM.\n\n- CAPITAL ONE has a Wrong Number thats not mines under Personal Information - CAPITAL ONE has claimed their selfs as the Creditor whos giving me this line of credit from them to I, the Original Creditor.\n\n- True Full Accounting would show whos the Creditor - A U.S. law passed in 2002 to protect investors from corporate accounting fraud by improving financial reporting and auditing standards- Sarbanes-Oxley ( SOX ) -coerced debt is unlawfully fraudulent -Coerced debt is void, All you alleged me for is extinguished -Compensation shall be made for the identity theft coercing debt -1 month after in Dispute my Account was already closed? Exercising my consumer rights -identity theft claiming many vital roles of assembling & evaluating -Adverse Action on Account being closed- Unlawfully wrong & Privacy concerns of Capital One sending my mail to wrong address. Employee making excuses for capital one to send to wrong address - Capital one sending mail to an address I no longer reside at is unlawfully incorrect - Capital one informed me the debt was sold - Capital one Claims debt is valid yet hasnt sent proper documentation showing how is the debt valid - Willfully Neglecting all documents sent even certified Affidavit - No lawful consideration - Ultra vires - Willful non-compliance - Cant rebuttal but yet still trying to bind me to there terms/obligations is unlawful- Is NOT reporting accurate information but claims they are- Just because Capital is able to verify that is my account with SSN, email, phone number & date of birth does not not validate debt - I have never claimed this wasnt my account so capital one responses arent even properly handling what my complaint was about - Improperly responding to Complaints and Dissatisfaction of the Consumer - Capital one has Confirmed to me they had/have verified my SSN & date of birth they have on record, meaning its in there systems & my Account has already been paid off with my SSN credit card, a trust account attached that that pre pays bills debts. When I open the account a SSN is required. SSN prepaid the credit card.\n\n- My SSN being on file means Credit Card was PrePaid for the amount I open the Account for my Line of Credit that was lease to me with all types of fees violating my Consumer Law Rights & other statuses. \n- coercing for payment on a PAID IN FULL ACCOUNT ( DOUBLE DIPPING, TRIPLE DIPPING FOR PAYMENT THATS FICTITIOUS MAKES THE BANKS THERE PROFIT ) - Claim the first documents I delivered wasnt legible, telling me to send a separate sign letter - XXXX XXXX more Affidavits with violations on documents from capital one pinpointing violations ; Capital one has failed to rebuttal or lawfully reply - Since congress borrows \" money substitutes '' ( FRNS ) on the basis of my credit since I am one of the people of the United States, Congress gives me an unlimited credit exemption that I can use to discharge the debts that I can not pay with FRNs because FRNs are not \" real money of account of the United States '' that \" pays '' debts. Congress permits me to use my personal credit exemption to pay charges that FRNSs can only \" discharge. '' - My mutual offset credit exemption exchange was mentioned in documentation sent to CAPITAL ONE they claimed wasnt legible yet the same form was sent to XXXX & they didnt claim it wasnt legible. \n- Trickery, deceptive way of collecting additional pay, requesting pay in that manner Please send us this portion of your statement and only one check ( or one money order ) payable to Capital One to ensure your payment is processed promptly. Allow at least seven business days for delivery. Payment coupon clearly acceptable for negotiable instrument - CFPB Closing all my cases yet they arent solved how I Demanded, therefore shouldnt be closed as resolved, I have no received my Remedies due to I, the Consumer for Criminal & Civil Liabilities & Damages. \n\n- Caused damages Committing Civil & Criminal Liabilities","date_sent_to_company":"2023-03-31T01:25:49.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"33027","tags":null,"has_narrative":true,"complaint_id":"6775980","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-03-31T01:08:48.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["<em>credit</em> and other information on consumers, ( 4 ) There is a need to insure that consumer reporting <em>agencies</em> exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy."],"sub_product":["<em>Credit</em> card debt"]},"sort":[4.021185,"6775980"]},{"_index":"complaint-public-v1","_id":"12174687","_score":2.6532276,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : I submit this complaint regarding an incident of identity theft that resulted in adverse entries and improper collection activity on my credit reports. I respectfully request the Consumer Financial Protection Bureaus assistance in investigating and remedying these violations. \n\n1. Parties Involved I am the consumer, and the debt collector and the original creditor ( if any ) are the parties attempting to hold me responsible for debts I did not incur. I also allege that these entities either failed to properly investigate my dispute or continued collection activities despite clear notice that the account ( s ) at issue were fraudulent.\n\n2. Nature of the Identity Theft An unknown individual unlawfully used my personal identifying informationincluding my Social Security number and date of birthto open or attempt to open one or more credit accounts. I learned of this activity upon receiving collection phone calls and letters demanding payment for an account I had never opened.\n\nUpon discovery, I contacted the alleged creditor ( s ) and debt collector ( s ) to dispute the debt. I also filed a police report, fulfilling my obligations to report the fraudulent activity.\n\n3. Legal Basis Under the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 ( XXXX  ), the unauthorized use of personal identifying information is a federal crime, indicating the seriousness and unlawfulness of the perpetrators actions. \nCollection activities arising from fraudulent accounts implicate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 16921692p ( XXXX ). I believe the debt collector ( s ) engaged in unfair and/or misleading practices by attempting to collect on a clearly disputed and fraudulent debt. \nIn XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ), the Supreme Court clarified that entities violating certain consumer-protection statutes may face liability when they act willfully or recklessly. \nRulings like XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) and TransUnion LLC XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) confirm that concrete harm and accurate reporting are critical ; I have been harmed by adverse credit entries based on fraudulent debts. My credit standing has been damaged, and I have experienced stress and difficulty obtaining credit. \n\n4. Facts Demonstrating Harm I have never authorized the accounts or transactions in question. The debt collectors negative entries reported to the credit bureaus have impaired my ability to obtain new lines of credit. I have spent considerable time and resources to contest this fraudulent activity, diminishing my finances and causing emotional distress.\n\n5. Attempts to Resolve I have attempted to resolve this matter by contacting the debt collector ( s ) and original creditor ( s ), notifying them in writing that the account is fraudulent. Despite providing documentation, the collection letters continued, and my credit report has not been corrected. I further request that the credit reporting agencies remove or block any adverse entries resulting from this identity theft. \n\n6. Relief Requested I request that the CFPB investigate the complaints against the debt collector ( s ) and the original creditor ( s ) for violating the FDCPA and failing to properly investigate.\n\nI ask for the removal of any detrimental information on my credit reports that stems from the identity theft. \nI seek verification that none of the debts in question remain collectible or enforceable against me.\n\nI request any further appropriate relief, including ensuring the collectors compliance with federal consumer-protection laws and the cessation of any collection attempts on this fraudulent debt.\n\nThank you for your attention to this matter. I appreciate the Consumer Financial Protection Bureaus intervention to help protect consumers from fraudulent activity and to hold accountable those who fail to comply with the law when dealing with identity theft disputes. \n\n\nCitations : Cases : United States XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX ( XXXX ) TransUnion LLC XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) Statutes : Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 ( 2023 ) Fair Debt Collection Practices Act, 15 U.S.C. 16921692p ( XXXX ) CFPB Complaint re : TransUnion Credit Report ( XX/XX/XXXX ) for XXXX XXXX ReedTo Whom It May Concern : I, XXXX XXXX XXXX, hereby submit this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the TransUnion credit report ( the Report ) dated XX/XX/XXXX. I have identified multiple negative entries that I believe stem from identity theft, which I discovered after reviewing my report.1. Parties Involved Myself, as the consumer, disputing the authenticity of certain accounts and inquiries. Creditors and/or collection agencies named in this complaint. TransUnion, as the credit reporting agency furnishing the Report.2. Factual BackgroundI have reason to believe that unknown person ( s ) used or attempted to use my personal identifying information without my authorization, leading to multiple derogatory trade lines and inquiries. Specifically, my TransUnion credit file shows the following negative items : ( a ) DEPTEDXXXX XXXX Balance : {$3100.00} Status : 90 days past due Identity Theft Reason : I do not recognize this student loan account, nor did I authorize any changes or late payments on it. ( b ) DEPTEDXXXX XXXX Balance : {$3700.00} Status : 90 days past due Identity Theft Reason : Same as above, the amounts and delinquency are not reflective of my legitimate transactions. ( c ) XXXX ( Account ending XXXX ) : Balance : {$3600.00} Status : Charged off as bad debt Identity Theft Reason : I never incurred this account or agreed to these services. ( d ) XXXX ( Account ending XXXX ) : Balance : {$2100.00} Status : Collection account Identity Theft Reason : This appears to be a fraudulent line of service opened in my name. ( XXXX XXXX XXXX ( Collection ) : Balance : {$800.00} Alleged Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : I have no knowledge of a rental or leasing debt with this management group. ( f XXXX XXXX XXXX Collection ) : Balance : {$710.00} Alleged Original Creditor : XXXX XXXX Identity Theft Reason : This also appears to be a fraudulent debt I did not authorize.3. Unauthorized InquiriesMy TransUnion credit report similarly lists many inquiries that I did not approve. Examples include, but are not limited to : XXXXXXXX XXXX XXXX ( multiple dates ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX, and othersI never initiated these inquiries, and they diminish my XXXXredit score and ability to obtain legitimate credit.4. Request for Relief1. Investigation : I respectfully request a full CFPB investigation of these accounts and inquiries, requiring TransUnion and the furnishing creditors or collectors to verify the authenticity and accuracy of all negative items.2. Deletion of Fraudulent Items : If the debts can not be fully verified as mine, I demand removal of all disputed trade lines and inquiries from my credit report.3. Fraudulent Activity Notification : I ask that my credit file be flagged for identity theft, for further protection from unauthorized credit activity.4. Confirmation of Correction : I request written confirmation from TransUnion and each furnisher, confirming any deletions or modifications.5. ConclusionI appreciate the CFPBs role in protecting consumers from inaccurate and fraudulent credit reporting. The above items, which appear on my TransUnion credit report, are not mine. I rely on your office to help me resolve these identity theftrelated issues expediently and ensure my credit file is corrected I, XXXX XXXX, am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) concerning several inaccuracies and potentially fraudulent activities reflected in my Equifax credit report dated XX/XX/XXXX. I believe these issues are the result of identity theft. \n\n1. Parties Involved - Myself, as the consumer disputing inaccurate entries.\n\n- Equifax, as the credit reporting agency furnishing the Report. \n- Creditors and collection agencies named in this complaint. \n\n2. Summary of Disputed Items and Reasons Accounts - Department of Education Account XXXX ( Account # XXXX ) - Balance : {$3100.00} - Status : Not more than four payments past due - Identity Theft Reason : These loans reflect balances and late payments that I do not recognize, nor did I authorize. \n\nXXXX Department of Education Account XXXX ( Account # XXXX ) - Balance : {$3700.00} - Status : Not more than four payments past due - Identity Theft Reason : Similar to above, I have no knowledge of incurring these debts or the delinquency status. \n\n- XXXX XXXX XXXX XXXX - XXXX : {$45000.00} - Status : Charge-off - Identity Theft Reason : This significant debt is unknown to me, and I never consented to any transactions leading to this liability. \n\nCollection Accounts- XXXX XXXX XXXX - Original Creditor : XXXX XXXX XXXX - XXXX : {$800.00} - Status : Unpaid - Identity Theft Reason : I have no affiliation with XXXX XXXX XXXX or this supposed debt. \n\n- Spring Oaks Capital - Original Creditor : XXXX XXXX - Balance : {$710.00} - Status : Unpaid - Identity Theft Reason : I dispute this collection as I have never engaged with XXXX XXXX. \n\n\nUnauthorized Inquiries These inquiries are detrimental to my credit score and were not initiated by me : - XXXX XXXX on multiple dates, categorized as auto financing inquiries. \nXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, and XX/XX/XXXX, representing auto financing I did not authorize. \nXXXX XXXX XXXX on XX/XX/XXXX, which is an all banks inquiry. \n\n3. Request for Relief 1. Investigation : I request a thorough investigation into the accuracy and validity of the disputed accounts and inquiries.\n\n2. Correction and Removal : I demand the removal of all fraudulent accounts and inquiries from my Equifax credit report.\n\n3. Fraud Alerts : I request that my credit file be flagged with a fraud alert to prevent further unauthorized activity.\n\n4. Confirmation of Resolution : I ask for written confirmation from Equifax and the involved creditors regarding any changes or deletions made to my credit report. \n\n4. Conclusion I appreciate the CFPBs assistance in rectifying these issues. Misrepresentations in my credit report have affected my financial standing and peace of mind. I rely on your office to facilitate a swift resolution to ensure my credit file is both accurate and secure. \n\nI, XXXX XXXX, respectfully submit this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding my Equifax credit report dated XX/XX/XXXX. The report contains multiple negative items and an extensive list of inquiries that I believe were caused by identity theft. Below, XXXX detail each disputed item and provide the reasons for disputing them. \n\nXXXX. Summary of Disputed Negative Items XXXX XXXX XXXX XXXX Account - Balance : {$45000.00} ; Status : Charge-off - Identity Theft Reason : I did not authorize or open any account resulting in this large balance, which has been charged off without my knowledge or consent. \n\nCollection Account XXXX XXXX XXXX - XXXX : {$800.00} ; Original Creditor : XXXX XXXX XXXX - Identity Theft Reason : I have no relationship with XXXX XXXX XXXX and no knowledge of incurring such a debt. It appears someone used my information fraudulently. \n\nCollection Account XXXX XXXX XXXX  - Balance : {$710.00} ; Original Creditor : XXXX XXXX - Identity Theft Reason : I never did business with XXXX XXXX, and did not authorize or incur this debt. \n\n2. Disputed Inquiries Believed to Be Fraudulent I also dispute numerous inquiries on my Equifax report that I did not personally authorize. Examples include, but are not limited to : XXXX XXXX XXXX multiple dates ) - Identity Theft Reason : I did not seek auto financing or approve any new credit applications tied to Ally Financial. \n\nXXXXXXXX XXXX XXXX XXXX ( on or about XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) - Identity Theft Reason : These inquiries suggest attempts to obtain auto financing in my name, which I did not initiate. \n\nXXXXXXXX XXXX ( on or about XX/XX/XXXX ) - Identity Theft Reason : This bank inquiry suggests a credit application for which I never submitted my personal data. \n\n3. Request for Relief 1. Investigation and Verification I respectfully request that the CFPB ensure Equifax and all relevant furnishers fully investigate the authenticity of these debts and inquiries. Should they be unable to provide documented proof that I authorized them, I ask that Equifax remove the disputed items immediately.\n\n2. Removal of Fraudulent Entries I ask the CFPB to direct Equifax to remove any negative items linked to identity theft ( including inquiries and alleged debts ) from my report, in compliance with federal law. \n\n3. Correction of All Affected Credit Files I request a corrected credit report and written confirmation to assure an accurate credit profile moving forward. Additionally, I seek to have a fraud alert placed on my file to safeguard against further unauthorized activity.\n\n4. Conclusion I appreciate the CFPBs assistance in resolving this matter. I believe I have been the victim of identity theft, with multiple unauthorized accounts, collections, and inquiries appearing on my Equifax report. These entries are causing undue harm to my financial standing, and I rely on your office to ensure these disputes are handled promptly and thoroughly. \n\nThank you for your assistance. \n\nI am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding several negative and erroneous items appearing on my Equifax credit report dated XX/XX/XXXX. The erroneous or disputed items include a charged-off account, collection accounts, and numerous inquiries that I do not recognize or authorize. The presence of these inaccuracies is negatively impacting my credit profile as well as my overall financial wellbeing.BackgroundOn review of my attached Equifax credit report, I noted a Fraud Victim status associated with my account. Despite this designation, my report still shows multiple items that appear to be either : Incorrectly attributed to me Fraudulent in nature Inaccurate or unverifiable based on the supporting documentationBelow is a summary of specific negative items that I dispute or believe are erroneously reported:1. XXXX XXXX XXXX XXXX ( XXXX ) This account is reported as an installment loan with a charged-off balance of {$45000.00}. The payment history indicates escalating delinquency and a Charge-Off status. I contest responsibility for this account and maintain that the alleged balance and status are factually inaccuratXXXX. XXXX XXXX XXXX XXXX XXXX ( XXXX ) This Other account shows a reported balance of {$710.00}. The status is Collection, and the Date Reported is listed as XX/XX/XXXX. I dispute that I owe {$710.00} to XXXX XXXX XXXX XXXX XXXX, and do not recognize this debt as XXXX. XXXX XXXX XXXX ( XXXX ) Reflected as Collections in my report, showing an original balance owed of {$800.00}. Identified as XXXX XXXX as the Original Creditor. I challenge the legitimacy of this debt and request that it be removed if it can not be verified as belonging to me.4. Multiple Inquiries The credit report references a significant number of recent inquiries by lenders, credit unions, automotive finance institutions, and banks. For instance, entries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and many more within a short time span. I expressly dispute many of these inquiries, as they appear unauthorized or fraudulent. They artificially lower my credit score and misrepresent my intentions to seek new credit.Disputed/Inaccurate ReportingI am deeply concerned that these negative items remain on my credit report despite the presence of a Fraud Victim marker. My repeated attempts to clarify and resolve these disputes with the respective furnishers have not yielded appropriate corrections. Further, the high volume of inquiries suggests possible identity theft or misuse of my personally identifying information, all of which I have repeatedly reported.Request for Relief1. Immediate Investigation and Removal : I respectfully request that the CFPB direct a thorough investigation into these disputed accounts and inquiries. If the data furnishers can not validate the accuracy of each reported item, they must remove or correct the erroneous references as required.2. Verification of Debt and Account Ownership : I request formal proof of any alleged debt and explicit explanation of how these charges or inquiries were initiated.3. Protection Against Further Harm : Given that my credit file status notes I am a fraud victim, I request additional oversight and protection, including but not limited to placing appropriate fraud alerts and removing any new impermissible inquiries.4. Confirmation of Resolution : I ask that all impacted parties or credit bureaus confirm in writing when each disputed entry or erroneous inquiry is removed from my credit report, ensuring no residual negative impact.ConclusionI appreciate the CFPBs assistance with rectifying these issues. I have endured unwarranted harm through illegitimate charges, incorrect reporting, and numerous questionable credit inquiries. I respectfully request that you intervene to ensure adherence to proper reporting standards and to restore my accurate credit profile. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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**EQUIFAX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX","date_sent_to_company":"2025-02-22T09:35:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"723XX","tags":null,"has_narrative":true,"complaint_id":"12174687","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-22T09:35:18.000Z","state":"AR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Creditors and/or collection <em>agencies</em> named in this complaint. TransUnion, as the <em>credit</em> reporting <em>agency</em> furnishing the Report.2. Factual BackgroundI have reason to believe that unknown person ( s ) used or attempted to use my personal identifying information without my authorization, leading to multiple derogatory trade lines and inquiries."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Information <em>belongs</em> to someone else"]},"sort":[2.6532276,"12174687"]},{"_index":"complaint-public-v1","_id":"12175520","_score":2.645478,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : I submit this complaint regarding an incident of identity theft that resulted in adverse entries and improper collection activity on my credit reports. I respectfully request the Consumer Financial Protection Bureaus assistance in investigating and remedying these violations. \n\n1. Parties Involved I am the consumer, and the debt collector and the original creditor ( if any ) are the parties attempting to hold me responsible for debts I did not incur. I also allege that these entities either failed to properly investigate my dispute or continued collection activities despite clear notice that the account ( s ) at issue were fraudulent.\n\n2. Nature of the Identity Theft An unknown individual unlawfully used my personal identifying informationincluding my Social Security number and date of birthto open or attempt to open one or more credit accounts. I learned of this activity upon receiving collection phone calls and letters demanding payment for an account I had never opened.\n\nUpon discovery, I contacted the alleged creditor ( s ) and debt collector ( s ) to dispute the debt. I also filed a police report, fulfilling my obligations to report the fraudulent activity.\n\n3. Legal Basis Under the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 ( XXXX  ), the unauthorized use of personal identifying information is a federal crime, indicating the seriousness and unlawfulness of the perpetrators actions. \nCollection activities arising from fraudulent accounts implicate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 16921692p ( XXXX ). I believe the debt collector ( s ) engaged in unfair and/or misleading practices by attempting to collect on a clearly disputed and fraudulent debt. \nIn XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ), the Supreme Court clarified that entities violating certain consumer-protection statutes may face liability when they act willfully or recklessly. \nRulings like XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) and TransUnion LLC XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) confirm that concrete harm and accurate reporting are critical ; I have been harmed by adverse credit entries based on fraudulent debts. My credit standing has been damaged, and I have experienced stress and difficulty obtaining credit. \n\n4. Facts Demonstrating Harm I have never authorized the accounts or transactions in question. The debt collectors negative entries reported to the credit bureaus have impaired my ability to obtain new lines of credit. I have spent considerable time and resources to contest this fraudulent activity, diminishing my finances and causing emotional distress.\n\n5. Attempts to Resolve I have attempted to resolve this matter by contacting the debt collector ( s ) and original creditor ( s ), notifying them in writing that the account is fraudulent. Despite providing documentation, the collection letters continued, and my credit report has not been corrected. I further request that the credit reporting agencies remove or block any adverse entries resulting from this identity theft. \n\n6. Relief Requested I request that the CFPB investigate the complaints against the debt collector ( s ) and the original creditor ( s ) for violating the FDCPA and failing to properly investigate.\n\nI ask for the removal of any detrimental information on my credit reports that stems from the identity theft. \nI seek verification that none of the debts in question remain collectible or enforceable against me.\n\nI request any further appropriate relief, including ensuring the collectors compliance with federal consumer-protection laws and the cessation of any collection attempts on this fraudulent debt.\n\nThank you for your attention to this matter. I appreciate the Consumer Financial Protection Bureaus intervention to help protect consumers from fraudulent activity and to hold accountable those who fail to comply with the law when dealing with identity theft disputes. \n\n\nCitations : Cases : United States XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX ( XXXX ) TransUnion LLC XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) Statutes : Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 ( 2023 ) Fair Debt Collection Practices Act, 15 U.S.C. 16921692p ( XXXX ) CFPB Complaint re : TransUnion Credit Report ( XX/XX/XXXX ) for XXXX XXXX ReedTo Whom It May Concern : I, XXXX XXXX XXXX, hereby submit this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the TransUnion credit report ( the Report ) dated XX/XX/XXXX. I have identified multiple negative entries that I believe stem from identity theft, which I discovered after reviewing my report.1. Parties Involved Myself, as the consumer, disputing the authenticity of certain accounts and inquiries. Creditors and/or collection agencies named in this complaint. TransUnion, as the credit reporting agency furnishing the Report.2. Factual BackgroundI have reason to believe that unknown person ( s ) used or attempted to use my personal identifying information without my authorization, leading to multiple derogatory trade lines and inquiries. Specifically, my TransUnion credit file shows the following negative items : ( a ) DEPTEDXXXX XXXX Balance : {$3100.00} Status : 90 days past due Identity Theft Reason : I do not recognize this student loan account, nor did I authorize any changes or late payments on it. ( b ) DEPTEDXXXX XXXX Balance : {$3700.00} Status : 90 days past due Identity Theft Reason : Same as above, the amounts and delinquency are not reflective of my legitimate transactions. ( c ) XXXX ( Account ending XXXX ) : Balance : {$3600.00} Status : Charged off as bad debt Identity Theft Reason : I never incurred this account or agreed to these services. ( d ) XXXX ( Account ending XXXX ) : Balance : {$2100.00} Status : Collection account Identity Theft Reason : This appears to be a fraudulent line of service opened in my name. ( XXXX XXXX XXXX ( Collection ) : Balance : {$800.00} Alleged Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : I have no knowledge of a rental or leasing debt with this management group. ( f XXXX XXXX XXXX Collection ) : Balance : {$710.00} Alleged Original Creditor : XXXX XXXX Identity Theft Reason : This also appears to be a fraudulent debt I did not authorize.3. Unauthorized InquiriesMy TransUnion credit report similarly lists many inquiries that I did not approve. Examples include, but are not limited to : XXXXXXXX XXXX XXXX ( multiple dates ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX, and othersI never initiated these inquiries, and they diminish my XXXXredit score and ability to obtain legitimate credit.4. Request for Relief1. Investigation : I respectfully request a full CFPB investigation of these accounts and inquiries, requiring TransUnion and the furnishing creditors or collectors to verify the authenticity and accuracy of all negative items.2. Deletion of Fraudulent Items : If the debts can not be fully verified as mine, I demand removal of all disputed trade lines and inquiries from my credit report.3. Fraudulent Activity Notification : I ask that my credit file be flagged for identity theft, for further protection from unauthorized credit activity.4. Confirmation of Correction : I request written confirmation from TransUnion and each furnisher, confirming any deletions or modifications.5. ConclusionI appreciate the CFPBs role in protecting consumers from inaccurate and fraudulent credit reporting. The above items, which appear on my TransUnion credit report, are not mine. I rely on your office to help me resolve these identity theftrelated issues expediently and ensure my credit file is corrected I, XXXX XXXX, am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) concerning several inaccuracies and potentially fraudulent activities reflected in my Equifax credit report dated XX/XX/XXXX. I believe these issues are the result of identity theft. \n\n1. Parties Involved - Myself, as the consumer disputing inaccurate entries.\n\n- Equifax, as the credit reporting agency furnishing the Report. \n- Creditors and collection agencies named in this complaint. \n\n2. Summary of Disputed Items and Reasons Accounts - Department of Education Account XXXX ( Account # XXXX ) - Balance : {$3100.00} - Status : Not more than four payments past due - Identity Theft Reason : These loans reflect balances and late payments that I do not recognize, nor did I authorize. \n\nXXXX Department of Education Account XXXX ( Account # XXXX ) - Balance : {$3700.00} - Status : Not more than four payments past due - Identity Theft Reason : Similar to above, I have no knowledge of incurring these debts or the delinquency status. \n\n- XXXX XXXX XXXX XXXX - XXXX : {$45000.00} - Status : Charge-off - Identity Theft Reason : This significant debt is unknown to me, and I never consented to any transactions leading to this liability. \n\nCollection Accounts- XXXX XXXX XXXX - Original Creditor : XXXX XXXX XXXX - XXXX : {$800.00} - Status : Unpaid - Identity Theft Reason : I have no affiliation with XXXX XXXX XXXX or this supposed debt. \n\n- Spring Oaks Capital - Original Creditor : XXXX XXXX - Balance : {$710.00} - Status : Unpaid - Identity Theft Reason : I dispute this collection as I have never engaged with XXXX XXXX. \n\n\nUnauthorized Inquiries These inquiries are detrimental to my credit score and were not initiated by me : - XXXX XXXX on multiple dates, categorized as auto financing inquiries. \nXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, and XX/XX/XXXX, representing auto financing I did not authorize. \nXXXX XXXX XXXX on XX/XX/XXXX, which is an all banks inquiry. \n\n3. Request for Relief 1. Investigation : I request a thorough investigation into the accuracy and validity of the disputed accounts and inquiries.\n\n2. Correction and Removal : I demand the removal of all fraudulent accounts and inquiries from my Equifax credit report.\n\n3. Fraud Alerts : I request that my credit file be flagged with a fraud alert to prevent further unauthorized activity.\n\n4. Confirmation of Resolution : I ask for written confirmation from Equifax and the involved creditors regarding any changes or deletions made to my credit report. \n\n4. Conclusion I appreciate the CFPBs assistance in rectifying these issues. Misrepresentations in my credit report have affected my financial standing and peace of mind. I rely on your office to facilitate a swift resolution to ensure my credit file is both accurate and secure. \n\nI, XXXX XXXX, respectfully submit this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding my Equifax credit report dated XX/XX/XXXX. The report contains multiple negative items and an extensive list of inquiries that I believe were caused by identity theft. Below, XXXX detail each disputed item and provide the reasons for disputing them. \n\nXXXX. Summary of Disputed Negative Items XXXX XXXX XXXX XXXX Account - Balance : {$45000.00} ; Status : Charge-off - Identity Theft Reason : I did not authorize or open any account resulting in this large balance, which has been charged off without my knowledge or consent. \n\nCollection Account XXXX XXXX XXXX - XXXX : {$800.00} ; Original Creditor : XXXX XXXX XXXX - Identity Theft Reason : I have no relationship with XXXX XXXX XXXX and no knowledge of incurring such a debt. It appears someone used my information fraudulently. \n\nCollection Account XXXX XXXX XXXX  - Balance : {$710.00} ; Original Creditor : XXXX XXXX - Identity Theft Reason : I never did business with XXXX XXXX, and did not authorize or incur this debt. \n\n2. Disputed Inquiries Believed to Be Fraudulent I also dispute numerous inquiries on my Equifax report that I did not personally authorize. Examples include, but are not limited to : XXXX XXXX XXXX multiple dates ) - Identity Theft Reason : I did not seek auto financing or approve any new credit applications tied to Ally Financial. \n\nXXXXXXXX XXXX XXXX XXXX ( on or about XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) - Identity Theft Reason : These inquiries suggest attempts to obtain auto financing in my name, which I did not initiate. \n\nXXXXXXXX XXXX ( on or about XX/XX/XXXX ) - Identity Theft Reason : This bank inquiry suggests a credit application for which I never submitted my personal data. \n\n3. Request for Relief 1. Investigation and Verification I respectfully request that the CFPB ensure Equifax and all relevant furnishers fully investigate the authenticity of these debts and inquiries. Should they be unable to provide documented proof that I authorized them, I ask that Equifax remove the disputed items immediately.\n\n2. Removal of Fraudulent Entries I ask the CFPB to direct Equifax to remove any negative items linked to identity theft ( including inquiries and alleged debts ) from my report, in compliance with federal law. \n\n3. Correction of All Affected Credit Files I request a corrected credit report and written confirmation to assure an accurate credit profile moving forward. Additionally, I seek to have a fraud alert placed on my file to safeguard against further unauthorized activity.\n\n4. Conclusion I appreciate the CFPBs assistance in resolving this matter. I believe I have been the victim of identity theft, with multiple unauthorized accounts, collections, and inquiries appearing on my Equifax report. These entries are causing undue harm to my financial standing, and I rely on your office to ensure these disputes are handled promptly and thoroughly. \n\nThank you for your assistance. \n\nI am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding several negative and erroneous items appearing on my Equifax credit report dated XX/XX/XXXX. The erroneous or disputed items include a charged-off account, collection accounts, and numerous inquiries that I do not recognize or authorize. The presence of these inaccuracies is negatively impacting my credit profile as well as my overall financial wellbeing.BackgroundOn review of my attached Equifax credit report, I noted a Fraud Victim status associated with my account. Despite this designation, my report still shows multiple items that appear to be either : Incorrectly attributed to me Fraudulent in nature Inaccurate or unverifiable based on the supporting documentationBelow is a summary of specific negative items that I dispute or believe are erroneously reported:1. XXXX XXXX XXXX XXXX ( XXXX ) This account is reported as an installment loan with a charged-off balance of {$45000.00}. The payment history indicates escalating delinquency and a Charge-Off status. I contest responsibility for this account and maintain that the alleged balance and status are factually inaccuratXXXX. XXXX XXXX XXXX XXXX XXXX ( XXXX ) This Other account shows a reported balance of {$710.00}. The status is Collection, and the Date Reported is listed as XX/XX/XXXX. I dispute that I owe {$710.00} to XXXX XXXX XXXX XXXX XXXX, and do not recognize this debt as XXXX. XXXX XXXX XXXX ( XXXX ) Reflected as Collections in my report, showing an original balance owed of {$800.00}. Identified as XXXX XXXX as the Original Creditor. I challenge the legitimacy of this debt and request that it be removed if it can not be verified as belonging to me.4. Multiple Inquiries The credit report references a significant number of recent inquiries by lenders, credit unions, automotive finance institutions, and banks. For instance, entries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and many more within a short time span. I expressly dispute many of these inquiries, as they appear unauthorized or fraudulent. They artificially lower my credit score and misrepresent my intentions to seek new credit.Disputed/Inaccurate ReportingI am deeply concerned that these negative items remain on my credit report despite the presence of a Fraud Victim marker. My repeated attempts to clarify and resolve these disputes with the respective furnishers have not yielded appropriate corrections. Further, the high volume of inquiries suggests possible identity theft or misuse of my personally identifying information, all of which I have repeatedly reported.Request for Relief1. Immediate Investigation and Removal : I respectfully request that the CFPB direct a thorough investigation into these disputed accounts and inquiries. If the data furnishers can not validate the accuracy of each reported item, they must remove or correct the erroneous references as required.2. Verification of Debt and Account Ownership : I request formal proof of any alleged debt and explicit explanation of how these charges or inquiries were initiated.3. Protection Against Further Harm : Given that my credit file status notes I am a fraud victim, I request additional oversight and protection, including but not limited to placing appropriate fraud alerts and removing any new impermissible inquiries.4. Confirmation of Resolution : I ask that all impacted parties or credit bureaus confirm in writing when each disputed entry or erroneous inquiry is removed from my credit report, ensuring no residual negative impact.ConclusionI appreciate the CFPBs assistance with rectifying these issues. I have endured unwarranted harm through illegitimate charges, incorrect reporting, and numerous questionable credit inquiries. I respectfully request that you intervene to ensure adherence to proper reporting standards and to restore my accurate credit profile. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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**EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **EQUIFAX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **EQUIFAX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **EQUIFAX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX","date_sent_to_company":"2025-02-22T09:35:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"723XX","tags":null,"has_narrative":true,"complaint_id":"12175520","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-22T07:21:24.000Z","state":"AR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Creditors and/or collection <em>agencies</em> named in this complaint. TransUnion, as the <em>credit</em> reporting <em>agency</em> furnishing the Report.2. Factual BackgroundI have reason to believe that unknown person ( s ) used or attempted to use my personal identifying information without my authorization, leading to multiple derogatory trade lines and inquiries."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Information <em>belongs</em> to someone else"]},"sort":[2.645478,"12175520"]},{"_index":"complaint-public-v1","_id":"12174686","_score":2.6447453,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : I submit this complaint regarding an incident of identity theft that resulted in adverse entries and improper collection activity on my credit reports. I respectfully request the Consumer Financial Protection Bureaus assistance in investigating and remedying these violations. \n\n1. Parties Involved I am the consumer, and the debt collector and the original creditor ( if any ) are the parties attempting to hold me responsible for debts I did not incur. I also allege that these entities either failed to properly investigate my dispute or continued collection activities despite clear notice that the account ( s ) at issue were fraudulent.\n\n2. Nature of the Identity Theft An unknown individual unlawfully used my personal identifying informationincluding my Social Security number and date of birthto open or attempt to open one or more credit accounts. I learned of this activity upon receiving collection phone calls and letters demanding payment for an account I had never opened.\n\nUpon discovery, I contacted the alleged creditor ( s ) and debt collector ( s ) to dispute the debt. I also filed a police report, fulfilling my obligations to report the fraudulent activity.\n\n3. Legal Basis Under the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 ( XXXX  ), the unauthorized use of personal identifying information is a federal crime, indicating the seriousness and unlawfulness of the perpetrators actions. \nCollection activities arising from fraudulent accounts implicate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 16921692p ( XXXX ). I believe the debt collector ( s ) engaged in unfair and/or misleading practices by attempting to collect on a clearly disputed and fraudulent debt. \nIn XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ), the Supreme Court clarified that entities violating certain consumer-protection statutes may face liability when they act willfully or recklessly. \nRulings like XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) and TransUnion LLC XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) confirm that concrete harm and accurate reporting are critical ; I have been harmed by adverse credit entries based on fraudulent debts. My credit standing has been damaged, and I have experienced stress and difficulty obtaining credit. \n\n4. Facts Demonstrating Harm I have never authorized the accounts or transactions in question. The debt collectors negative entries reported to the credit bureaus have impaired my ability to obtain new lines of credit. I have spent considerable time and resources to contest this fraudulent activity, diminishing my finances and causing emotional distress.\n\n5. Attempts to Resolve I have attempted to resolve this matter by contacting the debt collector ( s ) and original creditor ( s ), notifying them in writing that the account is fraudulent. Despite providing documentation, the collection letters continued, and my credit report has not been corrected. I further request that the credit reporting agencies remove or block any adverse entries resulting from this identity theft. \n\n6. Relief Requested I request that the CFPB investigate the complaints against the debt collector ( s ) and the original creditor ( s ) for violating the FDCPA and failing to properly investigate.\n\nI ask for the removal of any detrimental information on my credit reports that stems from the identity theft. \nI seek verification that none of the debts in question remain collectible or enforceable against me.\n\nI request any further appropriate relief, including ensuring the collectors compliance with federal consumer-protection laws and the cessation of any collection attempts on this fraudulent debt.\n\nThank you for your attention to this matter. I appreciate the Consumer Financial Protection Bureaus intervention to help protect consumers from fraudulent activity and to hold accountable those who fail to comply with the law when dealing with identity theft disputes. \n\n\nCitations : Cases : United States XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX ( XXXX ) TransUnion LLC XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) Statutes : Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 ( 2023 ) Fair Debt Collection Practices Act, 15 U.S.C. 16921692p ( XXXX ) CFPB Complaint re : TransUnion Credit Report ( XX/XX/XXXX ) for XXXX XXXX ReedTo Whom It May Concern : I, XXXX XXXX XXXX, hereby submit this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the TransUnion credit report ( the Report ) dated XX/XX/XXXX. I have identified multiple negative entries that I believe stem from identity theft, which I discovered after reviewing my report.1. Parties Involved Myself, as the consumer, disputing the authenticity of certain accounts and inquiries. Creditors and/or collection agencies named in this complaint. TransUnion, as the credit reporting agency furnishing the Report.2. Factual BackgroundI have reason to believe that unknown person ( s ) used or attempted to use my personal identifying information without my authorization, leading to multiple derogatory trade lines and inquiries. Specifically, my TransUnion credit file shows the following negative items : ( a ) DEPTEDXXXX XXXX Balance : {$3100.00} Status : 90 days past due Identity Theft Reason : I do not recognize this student loan account, nor did I authorize any changes or late payments on it. ( b ) DEPTEDXXXX XXXX Balance : {$3700.00} Status : 90 days past due Identity Theft Reason : Same as above, the amounts and delinquency are not reflective of my legitimate transactions. ( c ) XXXX ( Account ending XXXX ) : Balance : {$3600.00} Status : Charged off as bad debt Identity Theft Reason : I never incurred this account or agreed to these services. ( d ) XXXX ( Account ending XXXX ) : Balance : {$2100.00} Status : Collection account Identity Theft Reason : This appears to be a fraudulent line of service opened in my name. ( XXXX XXXX XXXX ( Collection ) : Balance : {$800.00} Alleged Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : I have no knowledge of a rental or leasing debt with this management group. ( f XXXX XXXX XXXX Collection ) : Balance : {$710.00} Alleged Original Creditor : XXXX XXXX Identity Theft Reason : This also appears to be a fraudulent debt I did not authorize.3. Unauthorized InquiriesMy TransUnion credit report similarly lists many inquiries that I did not approve. Examples include, but are not limited to : XXXXXXXX XXXX XXXX ( multiple dates ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX, and othersI never initiated these inquiries, and they diminish my XXXXredit score and ability to obtain legitimate credit.4. Request for Relief1. Investigation : I respectfully request a full CFPB investigation of these accounts and inquiries, requiring TransUnion and the furnishing creditors or collectors to verify the authenticity and accuracy of all negative items.2. Deletion of Fraudulent Items : If the debts can not be fully verified as mine, I demand removal of all disputed trade lines and inquiries from my credit report.3. Fraudulent Activity Notification : I ask that my credit file be flagged for identity theft, for further protection from unauthorized credit activity.4. Confirmation of Correction : I request written confirmation from TransUnion and each furnisher, confirming any deletions or modifications.5. ConclusionI appreciate the CFPBs role in protecting consumers from inaccurate and fraudulent credit reporting. The above items, which appear on my TransUnion credit report, are not mine. I rely on your office to help me resolve these identity theftrelated issues expediently and ensure my credit file is corrected I, XXXX XXXX, am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) concerning several inaccuracies and potentially fraudulent activities reflected in my Equifax credit report dated XX/XX/XXXX. I believe these issues are the result of identity theft. \n\n1. Parties Involved - Myself, as the consumer disputing inaccurate entries.\n\n- Equifax, as the credit reporting agency furnishing the Report. \n- Creditors and collection agencies named in this complaint. \n\n2. Summary of Disputed Items and Reasons Accounts - Department of Education Account XXXX ( Account # XXXX ) - Balance : {$3100.00} - Status : Not more than four payments past due - Identity Theft Reason : These loans reflect balances and late payments that I do not recognize, nor did I authorize. \n\nXXXX Department of Education Account XXXX ( Account # XXXX ) - Balance : {$3700.00} - Status : Not more than four payments past due - Identity Theft Reason : Similar to above, I have no knowledge of incurring these debts or the delinquency status. \n\n- XXXX XXXX XXXX XXXX - XXXX : {$45000.00} - Status : Charge-off - Identity Theft Reason : This significant debt is unknown to me, and I never consented to any transactions leading to this liability. \n\nCollection Accounts- XXXX XXXX XXXX - Original Creditor : XXXX XXXX XXXX - XXXX : {$800.00} - Status : Unpaid - Identity Theft Reason : I have no affiliation with XXXX XXXX XXXX or this supposed debt. \n\n- Spring Oaks Capital - Original Creditor : XXXX XXXX - Balance : {$710.00} - Status : Unpaid - Identity Theft Reason : I dispute this collection as I have never engaged with XXXX XXXX. \n\n\nUnauthorized Inquiries These inquiries are detrimental to my credit score and were not initiated by me : - XXXX XXXX on multiple dates, categorized as auto financing inquiries. \nXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, and XX/XX/XXXX, representing auto financing I did not authorize. \nXXXX XXXX XXXX on XX/XX/XXXX, which is an all banks inquiry. \n\n3. Request for Relief 1. Investigation : I request a thorough investigation into the accuracy and validity of the disputed accounts and inquiries.\n\n2. Correction and Removal : I demand the removal of all fraudulent accounts and inquiries from my Equifax credit report.\n\n3. Fraud Alerts : I request that my credit file be flagged with a fraud alert to prevent further unauthorized activity.\n\n4. Confirmation of Resolution : I ask for written confirmation from Equifax and the involved creditors regarding any changes or deletions made to my credit report. \n\n4. Conclusion I appreciate the CFPBs assistance in rectifying these issues. Misrepresentations in my credit report have affected my financial standing and peace of mind. I rely on your office to facilitate a swift resolution to ensure my credit file is both accurate and secure. \n\nI, XXXX XXXX, respectfully submit this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding my Equifax credit report dated XX/XX/XXXX. The report contains multiple negative items and an extensive list of inquiries that I believe were caused by identity theft. Below, XXXX detail each disputed item and provide the reasons for disputing them. \n\nXXXX. Summary of Disputed Negative Items XXXX XXXX XXXX XXXX Account - Balance : {$45000.00} ; Status : Charge-off - Identity Theft Reason : I did not authorize or open any account resulting in this large balance, which has been charged off without my knowledge or consent. \n\nCollection Account XXXX XXXX XXXX - XXXX : {$800.00} ; Original Creditor : XXXX XXXX XXXX - Identity Theft Reason : I have no relationship with XXXX XXXX XXXX and no knowledge of incurring such a debt. It appears someone used my information fraudulently. \n\nCollection Account XXXX XXXX XXXX  - Balance : {$710.00} ; Original Creditor : XXXX XXXX - Identity Theft Reason : I never did business with XXXX XXXX, and did not authorize or incur this debt. \n\n2. Disputed Inquiries Believed to Be Fraudulent I also dispute numerous inquiries on my Equifax report that I did not personally authorize. Examples include, but are not limited to : XXXX XXXX XXXX multiple dates ) - Identity Theft Reason : I did not seek auto financing or approve any new credit applications tied to Ally Financial. \n\nXXXXXXXX XXXX XXXX XXXX ( on or about XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) - Identity Theft Reason : These inquiries suggest attempts to obtain auto financing in my name, which I did not initiate. \n\nXXXXXXXX XXXX ( on or about XX/XX/XXXX ) - Identity Theft Reason : This bank inquiry suggests a credit application for which I never submitted my personal data. \n\n3. Request for Relief 1. Investigation and Verification I respectfully request that the CFPB ensure Equifax and all relevant furnishers fully investigate the authenticity of these debts and inquiries. Should they be unable to provide documented proof that I authorized them, I ask that Equifax remove the disputed items immediately.\n\n2. Removal of Fraudulent Entries I ask the CFPB to direct Equifax to remove any negative items linked to identity theft ( including inquiries and alleged debts ) from my report, in compliance with federal law. \n\n3. Correction of All Affected Credit Files I request a corrected credit report and written confirmation to assure an accurate credit profile moving forward. Additionally, I seek to have a fraud alert placed on my file to safeguard against further unauthorized activity.\n\n4. Conclusion I appreciate the CFPBs assistance in resolving this matter. I believe I have been the victim of identity theft, with multiple unauthorized accounts, collections, and inquiries appearing on my Equifax report. These entries are causing undue harm to my financial standing, and I rely on your office to ensure these disputes are handled promptly and thoroughly. \n\nThank you for your assistance. \n\nI am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding several negative and erroneous items appearing on my Equifax credit report dated XX/XX/XXXX. The erroneous or disputed items include a charged-off account, collection accounts, and numerous inquiries that I do not recognize or authorize. The presence of these inaccuracies is negatively impacting my credit profile as well as my overall financial wellbeing.BackgroundOn review of my attached Equifax credit report, I noted a Fraud Victim status associated with my account. Despite this designation, my report still shows multiple items that appear to be either : Incorrectly attributed to me Fraudulent in nature Inaccurate or unverifiable based on the supporting documentationBelow is a summary of specific negative items that I dispute or believe are erroneously reported:1. XXXX XXXX XXXX XXXX ( XXXX ) This account is reported as an installment loan with a charged-off balance of {$45000.00}. The payment history indicates escalating delinquency and a Charge-Off status. I contest responsibility for this account and maintain that the alleged balance and status are factually inaccuratXXXX. XXXX XXXX XXXX XXXX XXXX ( XXXX ) This Other account shows a reported balance of {$710.00}. The status is Collection, and the Date Reported is listed as XX/XX/XXXX. I dispute that I owe {$710.00} to XXXX XXXX XXXX XXXX XXXX, and do not recognize this debt as XXXX. XXXX XXXX XXXX ( XXXX ) Reflected as Collections in my report, showing an original balance owed of {$800.00}. Identified as XXXX XXXX as the Original Creditor. I challenge the legitimacy of this debt and request that it be removed if it can not be verified as belonging to me.4. Multiple Inquiries The credit report references a significant number of recent inquiries by lenders, credit unions, automotive finance institutions, and banks. For instance, entries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and many more within a short time span. I expressly dispute many of these inquiries, as they appear unauthorized or fraudulent. They artificially lower my credit score and misrepresent my intentions to seek new credit.Disputed/Inaccurate ReportingI am deeply concerned that these negative items remain on my credit report despite the presence of a Fraud Victim marker. My repeated attempts to clarify and resolve these disputes with the respective furnishers have not yielded appropriate corrections. Further, the high volume of inquiries suggests possible identity theft or misuse of my personally identifying information, all of which I have repeatedly reported.Request for Relief1. Immediate Investigation and Removal : I respectfully request that the CFPB direct a thorough investigation into these disputed accounts and inquiries. If the data furnishers can not validate the accuracy of each reported item, they must remove or correct the erroneous references as required.2. Verification of Debt and Account Ownership : I request formal proof of any alleged debt and explicit explanation of how these charges or inquiries were initiated.3. Protection Against Further Harm : Given that my credit file status notes I am a fraud victim, I request additional oversight and protection, including but not limited to placing appropriate fraud alerts and removing any new impermissible inquiries.4. Confirmation of Resolution : I ask that all impacted parties or credit bureaus confirm in writing when each disputed entry or erroneous inquiry is removed from my credit report, ensuring no residual negative impact.ConclusionI appreciate the CFPBs assistance with rectifying these issues. I have endured unwarranted harm through illegitimate charges, incorrect reporting, and numerous questionable credit inquiries. I respectfully request that you intervene to ensure adherence to proper reporting standards and to restore my accurate credit profile. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX*EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **EQUIFAX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **EQUIFAX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **EQUIFAX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX","date_sent_to_company":"2025-02-22T09:35:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"723XX","tags":null,"has_narrative":true,"complaint_id":"12174686","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-22T09:35:18.000Z","state":"AR","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Creditors and/or collection <em>agencies</em> named in this complaint. 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