{"took":556,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":25,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2662146","_score":23.138245,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This complaint is in regards to Equifax 's recent security breach. Upon checking XXXX, I was informed that my information may have been \" compromised. '' Because of this security breach, my social security number, date of birth, full address, and potentially driver 's license and credit card numbers have been stolen ; I must assume that my information is now public data. I am at immediate risk of becoming a victim of identify theft because of Equifax 's negligence.","date_sent_to_company":"2017-09-09T18:34:36.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"78521","tags":null,"has_narrative":true,"complaint_id":"2662146","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-09T18:13:26.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This complaint is in regards to Equifax 's recent <em>security</em> <em>breach</em>. Upon checking XXXX, I was informed that my information may have been \" compromised. '' Because of this <em>security</em> <em>breach</em>, my social <em>security</em> number, date of birth, full address, and potentially driver 's license and <em>credit</em> card numbers have been stolen ; I must assume that my information is now public data. I am at immediate risk of <em>becoming</em> a <em>victim</em> of identify theft because of Equifax 's negligence."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[23.138245,"2662146"]},{"_index":"complaint-public-v1","_id":"2660660","_score":20.989567,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian Inc. experienced a security breach from mid XX/XX/XXXX through XX/XX/XXXX where they recently started a website for consumers to find out if they have potential impact regarding the breach. This website is XXXX. I entered in the information required on this website and found that I am on of the people who have been potentially impacted. \n\nThe hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. \n\nThis improper use of my information and report by XXXX violates my privacy and puts me in danger of becoming a victim of identity theft.","date_sent_to_company":"2017-09-09T08:14:13.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"98155","tags":null,"has_narrative":true,"complaint_id":"2660660","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-09-09T07:46:53.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["They also stole <em>credit</em> card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. \n\nThis improper use of my information and report by XXXX violates my privacy and puts me in danger of <em>becoming</em> a <em>victim</em> of identity theft."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[20.989567,"2660660"]},{"_index":"complaint-public-v1","_id":"2660946","_score":19.916027,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I became aware of a security breach at Equifax via a news item that popped up on my XXXX. Using the tool on their website, it indicated that my personal information has been compromised by the cyber security hack that occurred at their company. I am in fear of becoming a victim of identity theft given the amount of personal data of mine that has now been compromised. \n\nThis complaint is two-fold. 1 ). I never authorized Equifax or any credit bureaus to collect and hold this data about me. 2 ). If they are going to hold onto this personal information in this digital age, and that information is of paramount importance in our modern society from a financial standpoint, it must be protected with the utmost care and security. Apparently Equifax does not care about the security of the personal data they have amassed about me without my consent. \n\nLastly, but not least importantly, having read various news reports, I find it HIGHLY suspicious that executives at Equifax had reportedly been aware of this breach for months, and then sold millions of dollars worth of stock just before this news became public.","date_sent_to_company":"2017-09-09T14:04:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"48236","tags":null,"has_narrative":true,"complaint_id":"2660946","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-09T13:48:42.000Z","state":"MI","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I became aware of a <em>security</em> <em>breach</em> at Equifax via a news item that popped up on my XXXX. Using the tool on their website, it indicated that my personal information has been compromised by the cyber <em>security</em> hack that occurred at their company. I am in fear of <em>becoming</em> a <em>victim</em> of identity theft given the amount of personal data of mine that has now been compromised. \n\nThis complaint is two-fold. 1 ). I never authorized Equifax or any <em>credit</em> bureaus to collect and hold this data about me. 2 )."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[19.916027,"2660946"]},{"_index":"complaint-public-v1","_id":"2667068","_score":19.177176,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XXXX XXXX, 2017 credit reporting agency Equifax announced a major security breach in which personal data such as social security numbers, names, addressed, and credit history was leaked. According to Equifax 's own website my data was among the information that was leaked, but it is impossible to say for sure since Equifax failed to communicate adequately with people who were affected. Futhermore, they will not provide specific information on whether or not I was affected unless I agree to an arbitration clause ( which I did not ). Equifax knew of the data breach approximately one month before it was announced during which myself ( and countless others ) were at increased risk for becoming victims of identity theft and fraud. \n\nEquifax has not offered adequate solutions to this problem. Their offer of one year of identity monitoring is insufficient. The nature of the data that was leaked is such that lifelong credit monitoring will be necessary. This will come at significant cost to me since it will need to be arranged with all 3 credit reporting agencies. Equifax should be forced to cover the cost of a lifetime of credit monitoring and unlimited freezes/unfreezes with all 3 reporting agencies for anyone, including myself, whose data may have been released. \n\nEquifax failed to maintain adequate security measures. I would like to see legislation introduced to hold companies liable for data breaches with no limits on financial compensation to those people who are affected. Criminal charges should be pursued against those executives who divested their interests in Equifax before the breach was publicized.","date_sent_to_company":"2017-09-14T18:34:30.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60008","tags":null,"has_narrative":true,"complaint_id":"2667068","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-09T11:08:26.000Z","state":"IL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Equifax knew of the data <em>breach</em> approximately one month before it was announced during which myself ( and countless others ) were at increased risk for <em>becoming</em> <em>victims</em> of identity theft and fraud. \n\nEquifax has not offered adequate solutions to this problem. Their offer of one year of identity monitoring is insufficient. The nature of the data that was leaked is such that lifelong <em>credit</em> monitoring will be necessary."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[19.177176,"2667068"]},{"_index":"complaint-public-v1","_id":"3582633","_score":15.406599,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"I am a XXXX XXXX XXXX XXXX XXXX Veteran, My FICO score has been compromised during the XXXX  Security Breach and becoming a victim of credit card fraud and identity theft that has affected my credit negatively. Unfortunately, I used Oportun a payday loan company to pay off credit card debt and establish credit. In XX/XX/2019 I began to receive late payments of the amount of {$60.00} each month although I have this account set up on direct deposit. I have been paying {$100.00} twice a month on the XXXX  and XXXX as my Veterans and SSI benefits are deposited. After discovering the problem and contacting Oportun for a resolution, I was informed that the company will not provide another contract to continue direct deposit payments because the second payment set up on the XXXX of the month does not always deposit into my checking account on the XXXX depending on the day of each month that SSI disburse my benefits if there is 31 days in the month we dont receive payment on that Wednesday causing this late fee that I can not afford with a lost of income. As a result, my credit is impacted more severely with the company reporting negative late payments past 60 days, that has drawn my FICO score down to a XXXX from a XXXX credit score. This issue is not only effacing my personal credit my business credit is also destroyed preventing me from obtaining XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2020-03-27T17:45:13.000Z","issue":"Struggling to pay your loan","sub_product":"Payday loan","zip_code":"945XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3582633","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"OPORTUN FINANCIAL CORPORATION","date_received":"2020-03-27T15:54:25.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am a XXXX XXXX XXXX XXXX XXXX Veteran, My FICO score has been compromised during the XXXX  <em>Security</em> <em>Breach</em> and <em>becoming</em> a <em>victim</em> of <em>credit</em> card fraud and identity theft that has affected my <em>credit</em> negatively. Unfortunately, I used Oportun a payday loan company to pay off <em>credit</em> card debt and establish <em>credit</em>. In XX/XX/2019 I began to receive late payments of the amount of {$60.00} each month although I have this account set up on direct deposit."]},"sort":[15.406599,"3582633"]},{"_index":"complaint-public-v1","_id":"5145913","_score":14.943568,"_source":{"product":"Debt collection","complaint_what_happened":"I am being sued by Capital One for a debt I did not incur nor had any knowledge of until the day I was served. \nThe process server slid the papers under the closed security door to my wife without confirming if she was in fact the person on the papers. This charge did not show up on my credit report and I never received any information written or electronic regarding it until the day I was served. after becoming aware of what had just happened I immediately tried logging into my account to find that my login security information had been changed to something that I had never seen before and realized that I was a victim of identity theft. I had not used this card in several years since it had been paid off in full and remained at a XXXX balance. I contacted Capital One and had to go through a process to prove my identity and that the account did belong to me. I was told during that process that my account had charges from XXXX, I have not been to XXXX. I requested to have statements sent to me and was told to submit a request online which I did several times and have not received the statements. I've called again requesting statements and was told they would mail them to me but I have not received them and it has been several weeks since my last online request. I have since locked my credit with all the major credit bureaus and have continued to call to ask for my statements. I still have no access to my account online and have since received multiple letters from an attorney demanding I pay. \nUnder the Consumer Credit Act I should not be liable for these false charges. Capital One has admitted to a data breach in which they exposed personal consumer data including social security and account numbers. Capitol One has not only NOT protected my personal information but they facilitated for my identity to be stolen and for these fraudulent charges to be made.","date_sent_to_company":"2022-01-25T09:29:53.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"91977","tags":"Servicemember","has_narrative":true,"complaint_id":"5145913","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2022-01-25T02:50:51.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["This charge did not show up on my <em>credit</em> report and I never received any information written or electronic regarding it until the day I was served. after <em>becoming</em> aware of what had just happened I immediately tried logging into my account to find that my login <em>security</em> information had been changed to something that I had never seen before and realized that I was a <em>victim</em> of identity theft."],"sub_product":["<em>Credit</em> card debt"]},"sort":[14.943568,"5145913"]},{"_index":"complaint-public-v1","_id":"1355947","_score":14.600052,"_source":{"product":"Credit card","complaint_what_happened":"I received an email from Bank of America on XX/XX/XXXX stating the following regarding my BoA Master Card credit card : '' We continuously monitor ATM, debit and credit card transactions to look for out-of-pattern activity that might be potential fraud, as well as information from outside companies about account compromises at undisclosed merchants or service providers. \nYour card was part of XXXX of these compromises. This does not mean fraud has or will occur on your account. We 're simply taking precautionary steps to help protect your account. \" This is the second time this has happened to me with the same BoA credit card, the last time I received a replacement card due to my account being compromised was on XX/XX/XXXX. I received a letter from BoA at that time that also alluded to \" undisclosed merchants or service providers ''. \nMy concerns are as follows:1. Data security breaches with BoA are becoming more common, perhaps due to insufficiently robust security measures used by them and/or merchants/service providers that work with them. \n2. Other financial services companies that have been hacked ( such as XXXX ) seem to offer more comprehensive solutions, such as free credit monitoring for a period of time, than BoA, who in the email notification referenced above, simply stated their standard policy of the account holder not being liable for fraudulent charges, IF BOA IS NOTIFIED PROMPTLY BY THE ACCOUNT HOLDER OF SUCH FRAUDULENT CHARGES. So now I must closely watch transaction activity on this account?? I find this exceptionally toothless as far as fraudulent activity mitigation goes. Of course, the term \" promptly '' is not explicitly defined in this notification described above. Why must the onus be on me when I had nothing whatsoever to do with the reported data breach? \nThirdly, BoA has not, as they also did not in XX/XX/XXXX, identified the merchants or service providers responsible for the data security breach. This lack of disclosure is nothing more than a blatant cover-up used to protect any such merchants/service providers. BoA 's solution to protect me is to re-issue a new card without offering any type of free credit monitoring service and also not disclosing to me the merchants responsible for the breach. \nI did call BoA customer service after the XX/XX/XXXX data breach/card re-issuance in an attempt to find out just which of the merchants/service providers that I had recently dealt with were responsible for allowing my sensitive personal information to be compromised. I was told that only Master Card knew that, which I found to be a highly suspect response. \nI DEMAND TO KNOW THE IDENTITIES OF THE BREACHED MERCHANTS/SERVICE PROVIDERS I HAVE DONE BUSINESS WITH WHO ARE RESPONSIBLE FOR THIS DATA SECURITY BREACH!! For all I know, it may be the same vendor ( s ) who were hacked, and my account affected, in XX/XX/XXXX. Once these entities have been named, I will make the final decision as to whether or not I wish to continue my business relationship ( s ) with them. Given BoA 's protection of and refusal to identify the responsible parties, I am unable to make any such decision, potentially leaving me open to further problems should I unknowingly continue to do business with the same merchant ( s ). \nI have unfortunately been the victim of numerous instances of identity theft in the past 10 years, very likely due to similar reported or unreported breaches. I find that BoA 's failure to provide free credit monitoring options, as other major companies do, and also their failure to identify by name merchants/service providers who were breached, totally unconscionable. It would seem that BoA 's priority is to protect the breached merchants XXXX and then, in a less than optimal manner, the breached account holders. \nResearch indicates that what I have described above is a widespread practice of BoA 's. \nI demand greater accountability in breach reporting.","date_sent_to_company":"2015-05-01T18:26:00.000Z","issue":"Identity theft / Fraud / Embezzlement","sub_product":null,"zip_code":"804XX","tags":null,"has_narrative":true,"complaint_id":"1355947","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2015-05-01T18:25:59.000Z","state":"CO","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Data <em>security</em> <em>breaches</em> with BoA are <em>becoming</em> more common, perhaps due to insufficiently robust <em>security</em> measures used by them and/or merchants/service providers that work with them. \n2."],"product":["<em>Credit</em> card"]},"sort":[14.600052,"1355947"]},{"_index":"complaint-public-v1","_id":"7827524","_score":14.306744,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"After speaking with EQUIFAX regarding an extended credit lock verification placed on my credit profile which prevented XXXX XXXX  from processing a card conversion and costing me {$95.00} dollars in annual fees, I was informed that for them to remove such lock/alert on my profile I would need to submit documentation for them to review and process. \n\nI was given their XXXX, Georgia XXXX XXXX XXXX and was told it would take 5-7 business days after receiving a copy of my driver 's licence and social security card for them to complete my verification. Such letter and documentation was sent to them on XX/XX/XXXX through the USPS. On XX/XX/XXXX I tried to get my credit card issue sorted out with XXXXXXXX XXXX, and I was told that they could still not access my credit profile. I was then transferred to speak with an agent at Equifax. \n\nI asked if they had received my documentation, and after a few brief moments I was told that they did not get anything and that I would need to send it again. On this same date, I re-printed my previous documents and the letter was picked up by USPS on XX/XX/XXXX. It's since been 9 full business days and I called EQUIFAX again regarding my documentation, only to be told once more by their agent and then a supervisor that they did not receive anything and I would need to send everything again for a 3rd time.\n\nI pleaded with them for alternative methods of processes such as a secure fax or online portal where I could upload my documents, and EQUIFAX seems to be stuck in the XXXX, and I truly question their business practices that seem to be run by the most incompetent people in this modern age. Everytime I sent my personal information and social security copies through the mail, I am being exposed to even more changes of becoming a victim of identity theft, something EQUIFAX clearly does not care about, given all their data breaches.","date_sent_to_company":"2023-11-09T23:51:16.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"34772","tags":null,"has_narrative":true,"complaint_id":"7827524","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-11-09T23:20:10.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Everytime I sent my personal information and social <em>security</em> copies through the mail, I am being exposed to even more changes of <em>becoming</em> a <em>victim</em> of identity theft, something EQUIFAX clearly does not care about, given all their data <em>breaches</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with fraud alerts or <em>security</em> freezes"],"sub_product":["<em>Credit</em> reporting"]},"sort":[14.306744,"7827524"]},{"_index":"complaint-public-v1","_id":"14087571","_score":11.741052,"_source":{"product":"Checking or savings account","complaint_what_happened":"I attempted to report fraudulent activity on my account to Stellar bank and the bank 's phone number just goes to a constant busy signal. I called multiple times on XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX. The number that I called is the number listed on Stellar Bank 's website : ( XXXX ) XXXX. \n\nThen I attempted to contact the fraud department from Stellar bank 's website, and they do not have information on their website regarding reporting fraudulent activity ; they just say to contact the bank during regular business hours, even though the fraud occurred outside of regular business hours and I am very concerned that more fraudulent activity may occur as a result in the breach of security. \n\nStellar did not respond to phone calls, e-mails or website contacts. \n\nThe fraudulent activity relates to a scam involving XXXX XXXX. \n\n\" Dont Fall for the Viral XXXX XXXX XXXX XXXX Off Sales Its a Scam Photo of author Written by : XXXX XXXX XXXX on : XX/XX/XXXX It started with a social media ad announcing a once-in-a-lifetime XXXX XXXX sale with up to 90 % off online. All your favorite dresses, swimsuits, coverups, and silk shirts by the popular designer supposedly marked down to prices like {$50.00} and {$60.00} XXXX. Skeptical yet intrigued after seeing convincing brand logos and marketing, you click and start shopping. You cant believe the merchandise is just {$29.00}, {$39.00}, {$49.00} when the pricing has clearly been photoshopped from the original {$200.00} to {$400.00}. But the website looks so legit, surely this clearance sale has to be the real thing. After entering your credit card details and personal information, your great deals begin shipping soonor do they? \n\nWhat ultimately arrives ( or doesnt ) from the XXXX XXXX 90 % off social media scam reveals an intricate deception designed to steal your money and identity. In this article, we expose the truth behind these viral clearance sale ads and sites that may fool even savvy shoppers. Youll learn exactly how the intricately designed XXXX XXXX scams work and how to avoid becoming the next victim. Just dont expect that {$29.00} silk shirt to end up anything but payment for a hard lesson learned. ''","date_sent_to_company":"2025-06-15T19:59:31.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"770XX","tags":"Older American","has_narrative":true,"complaint_id":"14087571","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"STELLAR BANCORP INC.","date_received":"2025-06-15T19:44:31.000Z","state":"TX","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Youll learn exactly how the intricately designed XXXX XXXX scams work and how to avoid <em>becoming</em> the next <em>victim</em>. Just dont expect that {$29.00} silk shirt to end up anything but payment for a hard lesson learned. ''"]},"sort":[11.741052,"14087571"]},{"_index":"complaint-public-v1","_id":"9848520","_score":11.645197,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"1 am writing to formally demand that Equifax Inc. immediately cease and desist from any further unauthorized use, disclosure, and sale of my personal information, including but not limited to my name, Social Security number, and address. This demand follows the significant data breach that compromised my personal information, causing me considerable concern over the potential for identity theft, fraud, and other harms.\n\nLegal Basis The unauthorized disclosure and potential misuse of my personal information are clear violations of several federal and state consumer protection laws, including : 1. 15 U.S. Code 6821 - Privacy Protection for Customer Information of Financial Institutions : This statute, part of the Gramm-Leach-Bliley Act ( GLBA ), makes it illegal for financial institutions including credit reporting agencies like Equifax, to obtain or disclose customer information without proper authorization. The data breach and any subsequent sale of my personal information represent a direct violation of this statute.\n\n2. Gramm-Leach-Bliley Act ( GLBA ) : The GLBA mandates financial institutions to protect the privacy of their customers ' nonpublic personal information. Equifax 's failure to secure my data in accordance with the standards set forth in the GLBA constitutes a significant breach of its legal obligations.\n\n3. Fair Credit Reporting Act ( FCRA ) : The FCRA imposes strict requirements on credit reporting agencies to ensure the accuracy, confidentiality, and proper handling of consumer information. The unauthorized disclosure of my personal information violates my rights under this Act.\n\n4. Federal Trade Commission Act ( FTC Act ) Section 5 : The FTC Act prohibits unfair or deceptive practices in commerce.\n\nEquifax 's failure to implement adequate security measures to protect my personal information from a breach is an unfair practice under this statute.\n\n5. Consumer Financial Protection Act ( CFPA ) : Under the CFPA, the Consumer Financial Protection Bureau ( CFPB ) is empowered to take action against companies engaged in unfair, deceptive, or abusive acts or practices. Equifax 's handling of my personal information may be considered such an act.\n\n6. State-Specific Data Breach Notification Laws : Depending on the state in which I reside, Equifax 's failure to promptly notify me of the breach and its failure to adequately protect my personal information may also constitute a violation of state laws governing data breaches and consumer pr-tection. 7. U.C.C. Article 2 ( Sales ) and Article 9 ( Secured Transactions ) : The unauthorized sale or transfer of my personal information without my consent is a violation of the U.C.C. provisions related to the sale and securing of intangible assets.\n\n8. Right to Financial Privacy Act ( RFPA ) : The RFPA restricts access to individuals ' financial records without their consent. Equifax 's actions may have infringed upon these protections.\n\n9. Identity Theft and Assumption Deterrence Act : This federal law criminalizes the unauthorized use or transfer of another person 's personal identifying information with the intent to commit fraud. Equifax 's failure to secure my data has increased my risk of becoming a victim under this Act.\n\n10. Electronic Communications Privacy Act ( ECPA ) : The ECPA prohibits the unauthorized access to and disclosure of electronic communications. Equifax 's failure to secure its systems could constitute a violation of this Act.\n\n11. Stored Communications Act ( SCA ) : The SCA is a part of the ECPA and offers protections for the contents of stored communications. The breach of Equifax 's systems likely violated these protections.\n\n12. California Consumer Privacy Act ( CCPA ) ( if applicable ) : If I reside in California, the CCPA provides additional rights and protections concerning the use and sale of my personal information.\n\nEquifax 's actions may have violated these rights.\n\n13. New York SHIELD Act ( if applicable : If I reside in New York, the SHIELD Act requires businesses to implement reasonable data security measures. Equifax 's failure to protect my data could be a violation of this Act.\n\n14. Illinois Personal Information Protection Act ( if applicable ) : If I reside in Illinois, this Act requires entities to implement and maintain reasonable security measures to protect personal information.\n\nEquifax 's failure in this regard is a violation of this Act.\n\n15. Data Breach Accountability and Enforcement Act : This proposed federal legislation underscores the importance of holding entities accountable for data breaches. While not yet enacted, it reflects the growing recognition of the need for stricter enforcement against companies that fail to protect consumer data. Demands 1. Immediate Cessation : Equifax must immediately cease the unauthorized use, disclosure, and sale of my personal information. This includes ensuring that any third parties with whom my information was shared or sold cease using it.\n\n2. Remediation Plan : I demand that Equifax provide a detailed plan for how it intends to remediate the damage caused by this data breach.\n\nThis should include steps taken to prevent future breaches, compensation for any damages I have suffered, in the amount of {$1000.00} per violation and a comprehensive credit monitoring service at no cost to me.\n\n3. Proof of Compliance : Within 30 days of receipt of this letter, I expect to receive written confirmation that Equifax has ceased all unauthorized activities related to my personal information and has implemented the requested remedial measures.Delete all negative charge offs late and missed payments, remove all negative account that are impacting my score due to my information being sold illegally in data breach by Equifax. I also want the other bureau notified and updated the same way deleted all negative accounts charge offs late payments closed accounts and anything that is negatively effecting my score. It has been a year and the company has yet to respond yet my information has been leaked and confirmed by company ( EQUIFAX ) my credit report has suffered severely with accounts & inquiries unauthorized by me negative reports that violated my consumer rights, I am receiving an extreme number of non stop spam calls and emails from companies I have never dealt, with financial threats and solicitation from credit agencies I have never done business with .They failed to produce contact baring my human wet or signature or to respond. This must be fixed immediately.","date_sent_to_company":"2024-08-19T03:46:13.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"70122","tags":null,"has_narrative":true,"complaint_id":"9848520","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-19T03:06:35.000Z","state":"LA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Equifax 's failure to secure my data has increased my risk of <em>becoming</em> a <em>victim</em> under this Act.\n\n10. Electronic Communications Privacy Act ( ECPA ) : The ECPA prohibits the unauthorized access to and disclosure of electronic communications. Equifax 's failure to secure its systems could constitute a violation of this Act.\n\n11. Stored Communications Act ( SCA ) : The SCA is a part of the ECPA and offers protections for the contents of stored communications."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.645197,"9848520"]},{"_index":"complaint-public-v1","_id":"9344977","_score":10.723155,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally submit a complaint regarding the compromise of my social security number, which has resulted in me becoming a victim of a data breach and identity theft. I have already contacted the Federal Trade Commission and filed an FTC Report, which is enclosed with this correspondence. \n\nIn accordance with 15 USC 1681c-2 ( a ), it is imperative that the credit reporting agencies take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : ACCOUNTS BEING CHALLENGE : XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX INQUIRIES BEING CHALLENGE : XXXX | XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against the agencies involved, as allowed under the law. I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation under 15 U.S. Code 1681o - Civil liability for negligent non-compliance Violation under 15 U.S. Code 1681n ( b ) - Civil liability for willful non-compliance Failing to comply with 15 USC 1692 ( g ) Violation under 15 U.S. Code 1681b - Permissible purposes of consumer reports Under 15 U.S.C. 1681i ( 7 ) - Method of verification Violations under 15 USC 1681a ( 4 ) - Right to privacy Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I request that you take immediate action to block and remove the fraudulent accounts from my credit report. I have provided all the necessary information to facilitate this process.","date_sent_to_company":"2024-06-25T11:28:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"114XX","tags":null,"has_narrative":true,"complaint_id":"9344977","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-06-25T11:28:49.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am writing to formally submit a complaint regarding the compromise of my social <em>security</em> number, which has resulted in me <em>becoming</em> a <em>victim</em> of a data <em>breach</em> and identity theft. I have already contacted the Federal Trade Commission and filed an FTC Report, which is enclosed with this correspondence."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[10.723155,"9344977"]},{"_index":"complaint-public-v1","_id":"9345010","_score":10.717467,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally submit a complaint regarding the compromise of my social security number, which has resulted in me becoming a victim of a data breach and identity theft. I have already contacted the Federal Trade Commission and filed an FTC Report, which is enclosed with this correspondence. \n\nIn accordance with 15 USC 1681c-2 ( a ), it is imperative that the credit reporting agencies take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : ACCOUNTS BEING CHALLENGE : XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  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 INQUIRIES BEING CHALLENGE : XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against the agencies involved, as allowed under the law. I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C XXXX. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation under XXXX5 U.S. Code 1681o - Civil liability for negligent non-compliance Violation under 15 U.S. Code 1681n ( b ) - Civil liability for willful non-compliance Failing to comply with 15 USC 1692 ( g ) Violation under 15 U.S. Code 1681b - Permissible purposes of consumer reports Under 15 U.S.C. 1681i ( 7 ) - Method of verification Violations under 15 USC 1681a ( 4 ) - Right to privacy Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I request that you take immediate action to block and remove the fraudulent accounts from my credit report. I have provided all the necessary information to facilitate this process.","date_sent_to_company":"2024-06-25T11:28:37.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"114XX","tags":null,"has_narrative":true,"complaint_id":"9345010","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-06-25T11:17:44.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am writing to formally submit a complaint regarding the compromise of my social <em>security</em> number, which has resulted in me <em>becoming</em> a <em>victim</em> of a data <em>breach</em> and identity theft. I have already contacted the Federal Trade Commission and filed an FTC Report, which is enclosed with this correspondence."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[10.717467,"9345010"]},{"_index":"complaint-public-v1","_id":"9355590","_score":10.7022915,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally submit a complaint regarding the compromise of my social security number, which has resulted in me becoming a victim of a data breach and identity theft. I have already contacted the Federal Trade Commission and filed an FTC Report, which is enclosed with this correspondence. \n\nIn accordance with 15 USC 1681c-2 ( a ), it is imperative that the credit reporting agencies take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : ACCOUNTS BEING CHALLENGE : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : 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 XXXXXXXX XXXX INQUIRIES BEING CHALLENGE : XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against the agencies involved, as allowed under the law. I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation under 15 U.S. Code 1681o - Civil liability for negligent non-compliance Violation under 15 U.S. Code 1681n ( b ) - Civil liability for willful non-compliance Failing to comply with 15 USC 1692 ( g ) Violation under 15 U.S. Code 1681b - Permissible purposes of consumer reports Under 15 U.S.C. 1681i ( 7 ) - Method of verification Violations under 15 USC 1681a ( 4 ) - Right to privacy Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I request that you take immediate action to block and remove the fraudulent accounts from my credit report. I have provided all the necessary information to facilitate this process.","date_sent_to_company":"2024-06-25T11:28:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"114XX","tags":null,"has_narrative":true,"complaint_id":"9355590","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-06-25T11:28:49.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am writing to formally submit a complaint regarding the compromise of my social <em>security</em> number, which has resulted in me <em>becoming</em> a <em>victim</em> of a data <em>breach</em> and identity theft. I have already contacted the Federal Trade Commission and filed an FTC Report, which is enclosed with this correspondence."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[10.7022915,"9355590"]},{"_index":"complaint-public-v1","_id":"15159108","_score":10.561219,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint regarding the inaccurate and harmful reporting practices of XXXXXXXX XXXX XXXX in relation to my persons XXXX XXXX consumer credit file for EXPERIAN. I, the living woman XXXX XXXX, have been a victim of identity theft and have been trying to resolve this issue for over 6 months, and despite numerous attempts to resolve the issue, fraudulent accounts and unauthorized credit inquiries continue to appear on my consumer report. These inaccuracies have severely damaged my creditworthiness and caused me ongoing harm. \n\nFor over XXXX months, I have taken consistent action to dispute fraudulent activity that has been reported on my consumer file. Despite my diligence, fraudulent accounts and inquiries remain on my report, which I have clearly identified as resulting from identity theft. \n\nThe most egregious example is the presence of a fraudulent tradeline from XXXX XXXX XXXX. This fraudulent account was opened on XX/XX/year> with a balance of {$18000.00}. \n\nI have never applied for or received an Auto Loan from XXXX XXXX XXXX on XX/XX/year> and this account was opened without my knowledge or consent. Furthermore, the XXXX account agreement ( promissory note ) was forged by the criminal who stole my identity. This makes the account not only fraudulent, but also a forged instrument that XXXX XXXX XXXX improperly used in its financial dealings. \n\nXXXX and XXXX of XXXX When a promissory note is signed, it becomes a special deposit and an equitable asset, and the signer acquires equitable rights to that asset. Banks commonly monetize and securitize these notes. If a lender pools that promissory note with other notes and sells the pool as a security, this constitutes commingling special money with general money. For example, if my fraudulent note carried a face value of {$18000.00} and was pooled with other notes to create a {$100.00} XXXX security, under the rules of equity I would have an equitable claim to a share of that {$100.00} XXXX. \n\nEvery time such a note is sold or transferred, it is considered an assignment. Each assignment creates further equitable obligations owed to the beneficial owner of the asset. In this case, because the note was fraudulent and forged, XXXX XXXX XXXX commingled a fraudulent asset with legitimate assets, monetized it, and sold XXXX becoming complicit in the identity theft. This is a clear breach of trust and a violation of both equitable principles and federal law. \n\nLegal Grounds : Under the FCRA ( 15 U.S. Code 1681c2 ) and 12 CFR 1022.3, consumers have the right to block information resulting from identity theft : 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, no later than XXXX business days after the receipt by such agency of : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. \n\nI have already provided all XXXX items, including my FTC Identity Theft Report, a copy of my ID, a list of the fraudulent items, and a signed written statement. XXXX XXXX XXXX has no legal basis to continue reporting this inaccurate and harmful information. \n\nIf XXXX XXXX XXXXXXXX XXXX, EXPERIAN, and XXXX  do not take corrective action and resolve this matter fully and in compliance with the FCRA, I will pursue legal remedies, including : A federal lawsuit for FCRA violations A state lawsuit for civil non-compliance and damages Claims for emotional distress, financial harm, and pain and suffering as a result of this ongoing negligence Claims for conversion, unjust enrichment, breach of fiduciary duty, and knowing participation in identity theft through securitization of a fraudulent asset This issue must be addressed with the urgency it deserves. I appreciate the CFPBs involvement and protection of consumers like myself. \n\nThank you for your attention and swift action in this matter.","date_sent_to_company":"2025-08-09T02:31:30.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33805","tags":null,"has_narrative":true,"complaint_id":"15159108","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-09T02:31:07.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am filing this complaint regarding the inaccurate and harmful reporting practices of XXXXXXXX XXXX XXXX in relation to my persons XXXX XXXX consumer <em>credit</em> file for EXPERIAN. I, the living woman XXXX XXXX, have been a <em>victim</em> of identity theft and have been trying to resolve this issue for over 6 months, and despite numerous attempts to resolve the issue, fraudulent accounts and unauthorized <em>credit</em> inquiries continue to appear on my consumer report."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[10.561219,"15159108"]},{"_index":"complaint-public-v1","_id":"11611416","_score":9.830371,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Urgent Dispute of Fraudulent Accounts Impact from Data Breach Dear Experian Dispute Resolution Team, I am writing to formally dispute fraudulent accounts that were opened in my name as a result of the XXXX data breach. After becoming a victim of this breach, I have identified unauthorized accounts linked to my Social Security number that I neither opened nor authorized. For your reference, I have attached a copy of my Identity Theft Report. \n\n\n\nBelow are the details of the fraudulent accounts in question : XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX acct #. XXXX XXXX XXXX XXXX Acct. # XXXX XXXX Acct. #. XXXX and a host of many fraudulent inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX  XXXX Credit Unions XX/XX/XXXX Experian XXXX XXXX Credit Unions XX/XX/XXXX Experian XXXX XXXX Credit Unions XX/XX/XXXX Experian XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX Financing XX/XX/XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Variety Store XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit XXXX XX/XX/XXXX Experian XXXX XXXXXXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX All Banks XX/XX/XXXX Experian XXXX XXXX Bank XXXX XXXX XX/XX/XXXX Experian XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX Auto XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX Hardware Stores XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX Experian XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX All Banks XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  Auto Dealers XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Cards Issued by Finance Companies XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXXXXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Auto XXXX XX/XX/XXXX Experian XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XXXX Experian XXXX Sales Financing XXXX Experian Pursuant to 15 U.S.C. 1681c-2 ( a ), I request that these accounts be immediately blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. Failure to resolve this issue within the required time frame will leave me no choice but to consider legal action, including pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This includes claims for violations such as : Defamation of character Negligence in safeguarding identity data Violations of 15 U.S. Code 1681o, 1681n ( b ), 1681c, 1681a ( 4 ) Non-compliance with 15 U.S. Code 1692 ( g ) Failure to meet verification standards outlined in 15 U.S.C. 1681i ( 7 ) This matter is both urgent and time-sensitive, and I appreciate your prompt attention in resolving this dispute. Please confirm the removal of these fraudulent accounts at your earliest convenience in writing. \n\n\n\nSincerely, XXXX XXXX ssn # XXXX","date_sent_to_company":"2025-01-21T00:11:18.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"48219","tags":null,"has_narrative":true,"complaint_id":"11611416","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-20T23:45:52.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Urgent Dispute of Fraudulent Accounts Impact from Data <em>Breach</em> Dear Experian Dispute Resolution Team, I am writing to formally dispute fraudulent accounts that were opened in my name as a result of the XXXX data <em>breach</em>. After <em>becoming</em> a <em>victim</em> of this <em>breach</em>, I have identified unauthorized accounts linked to my Social <em>Security</em> number that I neither opened nor authorized. For your reference, I have attached a copy of my Identity Theft Report."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[9.830371,"11611416"]},{"_index":"complaint-public-v1","_id":"9404354","_score":9.774123,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TransUnion, I am reaching out to notify you of a critical and concerning matter involving the compromise of my social security number, leading to my becoming a victim of a data breach and identity theft. To swiftly address this issue, I have contacted the Federal Trade Commission and submitted an FTC Report, which is attached to this letter under FTC Report Number : XXXX Under 15 USC 1681c-2 ( c ) ( a ), it is crucial for you, as a credit reporting agency, to take immediate action to block and remove all information related to this identity theft from my credit report. This statute requires that credit reporting agencies address such requests within four business days of receiving a complaint that includes the following information : I want to emphasize the seriousness of this issue and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as permitted by law. Please be advised that I will seek damages, including but not limited to statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C. 1692k. These fraudulent accounts include acredit card account opened at XXXX XXXX  XXXX with the account number XXXX opened on XX/XX/XXXX. A personal loan opened on XX/XX/XXXX with XXXX XXXX under account number XXXX. A personal loan under XXXX XXXX opened XX/XX/XXXX under account number XXXX. \n\nThese fraudulent accounts have led to several unauthorized hard inquiries and collections appearing on my consumer XXXX credit report. I demand the removal of these fraudulent items from all my consumer credit reports and the cessation of all related collection activities, in accordance with my rights under the FCRA and FDCPA laws. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation under 15 U.S. Code 1681o - Civil liability for negligent non-compliance Violation under 15 U.S. Code 1681n ( b ) - Civil liability for willful non-compliance Failure to comply with 15 USC 1692 ( g ) Violation under 15 U.S. Code 1681b - Permissible purposes of consumer reports Violation under 15 U.S. Code 1681i ( 7 ) - Method of verification Violations under 15 U.S. Code 1681a ( 4 ) - Right to privacy Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I am treating this matter with utmost seriousness and demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided all necessary information to facilitate this process. Please acknowledge receipt of this letter and resolution of this issue. Your prompt attention to this matter is greatly appreciated. Resolution I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within four business days of receiving the complaint. Please send all written confirmation regarding this CFPB complaint to my email address : XXXX.","date_sent_to_company":"2024-07-02T20:14:18.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30039","tags":null,"has_narrative":true,"complaint_id":"9404354","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-07-02T20:07:47.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["TransUnion, I am reaching out to notify you of a critical and concerning matter involving the compromise of my social <em>security</em> number, leading to my <em>becoming</em> a <em>victim</em> of a data <em>breach</em> and identity theft."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[9.774123,"9404354"]},{"_index":"complaint-public-v1","_id":"11610300","_score":9.770776,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Transunion XXXX XXXX XXXX XXXX, PA XXXX Subject : Urgent Dispute of Fraudulent Accounts Impact from Data Breach Dear Transuion Dispute Resolution Team, I am writing to formally dispute fraudulent accounts that were opened in my name as a result of the XXXX XXXX breach. After becoming a victim of this breach, I have identified unauthorized accounts linked to my Social Security number that I neither opened nor authorized. For your reference, I have attached a copy of my Identity Theft Report. \n\n\n\nBelow are the details of the fraudulent accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S.C. 1681c-2 ( a ), I request that these accounts be immediately blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. Failure to resolve this issue within the required time frame will leave me no choice but to consider legal action, including pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This includes claims for violations such as : Defamation of character Negligence in safeguarding identity data Violations of 15 U.S. Code 1681o, 1681n ( b ), 1681c, 1681a ( 4 ) Non-compliance with 15 U.S. Code 1692 ( g ) Failure to meet verification standards outlined in 15 U.S.C. 1681i ( 7 ) This matter is both urgent and time-sensitive, and I appreciate your prompt attention in resolving this dispute. Please confirm the removal of these fraudulent accounts at your earliest convenience in writing. \n\n\n\nSincerely, XXXX XXXX ssn # XXXX","date_sent_to_company":"2025-01-21T00:20:22.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"48219","tags":null,"has_narrative":true,"complaint_id":"11610300","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-21T00:13:04.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Transunion XXXX XXXX XXXX XXXX, PA XXXX Subject : Urgent Dispute of Fraudulent Accounts Impact from Data <em>Breach</em> Dear Transuion Dispute Resolution Team, I am writing to formally dispute fraudulent accounts that were opened in my name as a result of the XXXX XXXX <em>breach</em>. After <em>becoming</em> a <em>victim</em> of this <em>breach</em>, I have identified unauthorized accounts linked to my Social <em>Security</em> number that I neither opened nor authorized. For your reference, I have attached a copy of my Identity Theft Report."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[9.770776,"11610300"]},{"_index":"complaint-public-v1","_id":"11390278","_score":9.514161,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/XXXX, I was approached by a stranger ( XXXXXXXX XXXX mid XXXX 's, slim build, around XXXX, XXXX ) around my house when I was on my way to work. He told me he left his phone on XXXX and asked me for help. I used the XXXX XXXX ( which will hide my phone number ) to call the number he provided, but no one picked up. As I tried to walk away, he grabbed my phone and started typing into it. I asked if he is texting the driver and he said yes. However, I was really suspicious because his fingers keep swiping and he seemed to be very nervous and distressed. I told him I need my phone back because I was late for work but he kept telling me the driver was replying and he would circle back in couple minutes. Feeling unsafe and uncertain if he was armedI am a woman and was aloneI chose not to escalate the situation ( stand behind him to check what he was doing on my phone or grab my phone back ). After approximately XXXX minutes, he handed my phone back, said the driver had arrived, and quickly ran away although I did not see a car nearby. On the way to work, I immediately checked my accounts and found an email from XXXX to confirm a {$3000.00} transaction on Venmo. I immediately blocked it and went into my Venmo account and found out there was a {$2500.00} transfer to \" XXXX XXXX ''. I immediately contacted Venmo, XXXX, and the police department to report the fraud. Venmo told me there was another transaction of {$45000.00}, which was denied due to insufficient fund ( total : {$2500.00} + {$3000.00} + {$4500.00} ). I requested Venmo to freeze the receiver 's account so he would not have access to the fund and the agent told me this is what they usually do during investigation. Venmo assured me they would freeze the recipients account during their investigation. However, I later received a misdirected email meant for the recipient stating, \" We are happy to keep this disputed amount of {$2500.00} USD available in your Venmo balance as we continue to resolve this case. '' This suggested that the account was never actually frozen. XXXX initially credited my account on XX/XX/XXXX, but later reversed the credit on XX/XX/XXXX, claiming Venmo had denied the claim. When I followed up with Venmo, they said the case was still under review. Throughout this process, neither XXXX nor Venmo contacted me for additional information ( Venmo customer service repeatedly assure me that their claims departments would reach out within 10 business days ). On XX/XX/XXXX, I proactively submitted my police report to both institutions using links provided by their customer service teams ( not their claim department ), who also didn't know why no one had ever contacted me. Later that day, Venmo informed me I had \" lost '' the case because I filed the dispute through my financial institution. I suppose they meant because the money came from my checking account not from Venmo balance, it is not their responsibility. However, this reasoning feels both unjustified and misleading, as the source of the funds should not negate their responsibility to investigate the fraud properly ( not to mention a lot of people also encounter privacy breach with Venmo because of their faulty system design ). Furthermore, had XXXX sent me transaction confirmation emails for each unauthorized payment, I could have blocked all transactions, not just the {$3000.00} XXXX. Venmo is dodging their responsibilities to protect customer 's assets from frauds ( saying I \" lost '' because the money came from my bank directly and not my Venmo balance so it is not their business ), lies about how they handle fraud ( not actually freezing the scammer 's account and stolen asset, no claim specialist contacted me within 10 business days x 2 ), and defective security system against unauthorized transactions. I hope CFPB can intervene to ensure my case is fairly reviewed, my funds are recovered, and appropriate measures are taken to prevent others from becoming victims of similar fraudulent activity. This experience is extremely frustrating and discouraging as I was just trying to be a kind and helpful person. It is important for this person to get his legal consequences as this amount of money already constitute a felony, and not just a crime. From how quick that person was able to do 3 transactions within 5 minutes, he has obviously done it several times. It also reflects how easy it is to break through Venmo 's security system even though I have my biometrics turned on ( by choosing forget password and use PIN code sent via XXXX  to reset password, etc ). It is even more ridiculous that they send the message meant for the receiver to my account, which just demonstrate how careless they are handling these cases ( and cause even more mental distress to the victim! ). If that person can get away with the money, this is basically encouraging crime and more people will fall victim to him.","date_sent_to_company":"2025-01-05T23:06:58.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"30329","tags":null,"has_narrative":true,"complaint_id":"11390278","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-01-05T22:46:02.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["If that person can get away with the money, this is basically encouraging crime and more people will fall <em>victim</em> to him."]},"sort":[9.514161,"11390278"]},{"_index":"complaint-public-v1","_id":"11389259","_score":9.502687,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My information was exposed in a data breach. I am seeing multiple accounts for the same debts on my credit reports. When I dispute they just keep saying they are mine. \n\nSee Letter : XX/XX/year> Re : Notice of Data Breach XXXX XXXX, We are writing to inform you that some of your personal information was recently impacted when XXXX XXXX XXXX XXXXXXXX ( XXXX  ) was the victim of a cybersecurity attack. XXXX provides financial services including Banking-as-a-Service products to host accounts and provide mobile banking. This incident did not impact your funds stored with XXXX. \n\nPlease read this notice carefully, as it provides uptodate information on what happened and what we are doing, as well as information on how you can obtain complimentary credit monitoring. \n\nWhat happened? \n\nOn XX/XX/year>, XXXX identified that some of its systems were not working properly. While it initially appeared to be a hardware failure, we subsequently learned it was unauthorized activity. XXXX  promptly initiated its incident response processes and stopped the attack. No new unauthorized activity on XXXX systems has been identified since XX/XX/year>. An investigation with assistance from a cybersecurity firm was initiated to investigate what happened and what data may have been impacted. XXXX also notified law enforcement and worked to add further protections to harden its systems. \n\nWhat personal information was involved? \n\nThere is no evidence that the threat actors accessed any customer funds, but it appears the threat actors did access and download customer information from XXXX databases and a file share during periods in XXXX and XX/XX/year>. \n\nWithin these downloaded files, XXXX  identified the following personal data about you : Name, Contact Information, XXXX  Account Number, Social Security Number and Date Of Birth. \n\nWhat we are doing : XXXX is offering you a complimentary XXXX membership to XXXX credit monitoring and identity theft protection services. We are also providing you with proactive fraud assistance to help with any questions that you might have or in the event that you become a victim of fraud. These services will be provided by XXXX, a TransUnion company specializing in fraud assistance and remediation services. Please see Attachment A below for additional details regarding these services. You must enroll by XX/XX/year>, to receive these services. \n\nPrior to the incident, XXXX had a significant number of cybersecurity measures in place. Since becoming aware of the incident, XXXX has taken steps to further strengthen its security response protocols, policies and procedures, and its ability to detect and respond to suspected incidents. \n\nWhat you can do : It is always a good idea to remain vigilant against threats of identity theft or fraud and to regularly review and monitor your account statements and credit history for any signs of unauthorized transactions or activity. You can also enroll in the TransUnion service being offered to you. Additional information about how to protect your identity and personal information is contained in Attachment B below. \n\nFor more information : A dedicated call center is also being set up to answer your questions about this incident. You may call it toll free at XXXX, Monday through Friday XXXX XXXX. to XXXX XXXX. ET ( excluding major U.S. holidays ). \n\nSincerely, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX attention XX/XX/year> TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, CA XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( see attached ) This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. \nSincerely, XXXX XXXX Enclosures : Identity Theft Report XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( see attached ) This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. \nSincerely, XXXX XXXX Enclosures : Identity Theft Report XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( see attached ) This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. \nSincerely, XXXX XXXX Enclosures : Identity Theft Report XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( see attached ) This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section XXXX of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. \nSincerely, XXXX XXXX XXXX : XXXX XXXX XXXX  error Needs attention {$3800.00} Needs attention XXXX XXXX XXXX error Needs attention {$3800.00} XXXX XXXX error Needs attention {$3500.00} XXXX XXXX error Needs attention {$3300.00} XXXX XXXX XXXX XXXX error Needs attention {$1400.00} XXXX XXXX XXXX error Needs attention {$1100.00} XXXX XXXX XXXX error Needs attention {$1000.00} XXXX XXXX XXXX XXXX error Needs attention {$960.00} XXXX XXXX error Needs attention {$930.00} XXXX XXXX XXXX XXXX error Needs attention {$770.00} XXXX XXXX XXXX XXXX error Needs attention {$720.00} XXXX XXXX XXXX XXXX error Needs attention {$630.00} XXXX XXXX XXXX, XXXX error Needs attention {$590.00} XXXX XXXX XXXX XXXX error Needs attention {$500.00} XXXX XXXX XXXX error Needs attention {$490.00}","date_sent_to_company":"2025-01-06T02:34:04.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32832","tags":null,"has_narrative":true,"complaint_id":"11389259","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-06T01:05:49.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["My information was exposed in a data <em>breach</em>. I am seeing multiple accounts for the same debts on my <em>credit</em> reports. When I dispute they just keep saying they are mine. \n\nSee Letter : XX/XX/year> Re : Notice of Data <em>Breach</em> XXXX XXXX, We are writing to inform you that some of your personal information was recently impacted when XXXX XXXX XXXX XXXXXXXX ( XXXX  ) was the <em>victim</em> of a cybersecurity attack."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Credit</em> inquiries on your report that you don't recognize"]},"sort":[9.502687,"11389259"]},{"_index":"complaint-public-v1","_id":"11388155","_score":9.283383,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My information was exposed in a data breach. I am seeing multiple accounts for the same debts on my credit reports. When I dispute they just keep saying they are mine. \n\nSee Letter : XX/XX/year>XXXX  Re : Notice of Data Breach XXXX XXXX, We are writing to inform you that some of your personal information was recently impacted when XXXX XXXX  XXXX XXXX ( XXXX  ) was the victim of a cybersecurity attack. XXXX provides financial services including Banking-as-a-Service products to host accounts and provide mobile banking. This incident did not impact your funds stored with XXXX. \n\nPlease read this notice carefully, as it provides uptodate information on what happened and what we are doing, as well as information on how you can obtain complimentary credit monitoring. \n\nWhat happened? \n\nOn XX/XX/year>XXXX XXXX identified that some of its systems were not working properly. While it initially appeared to be a hardware failure, we subsequently learned it was unauthorized activity. XXXX  promptly initiated its incident response processes and stopped the attack. No new unauthorized activity on XXXX systems has been identified since XX/XX/year>. An investigation with assistance from a cybersecurity firm was initiated to investigate what happened and what data may have been impacted. XXXX also notified law enforcement and worked to add further protections to harden its systems. \n\nWhat personal information was involved? \n\nThere is no evidence that the threat actors accessed any customer funds, but it appears the threat actors did access and download customer information from XXXX databases and a file share during periods in XXXX and XX/XX/year>. \n\nWithin these downloaded files, XXXX  identified the following personal data about you : Name, Contact Information, XXXX  Account Number, Social Security Number and Date Of Birth. \n\nWhat we are doing : XXXX  is offering you a complimentary 24month membership to XXXX credit monitoring and identity theft protection services. We are also providing you with proactive fraud assistance to help with any questions that you might have or in the event that you become a victim of fraud. These services will be provided by XXXX, a XXXX company specializing in fraud assistance and remediation services. Please see Attachment A below for additional details regarding these services. You must enroll by XX/XX/year>, to receive these services. \n\nPrior to the incident, XXXX had a significant number of cybersecurity measures in place. Since becoming aware of the incident, XXXX has taken steps to further strengthen its security response protocols, policies and procedures, and its ability to detect and respond to suspected incidents. \n\nWhat you can do : It is always a good idea to remain vigilant against threats of identity theft or fraud and to regularly review and monitor your account statements and credit history for any signs of unauthorized transactions or activity. You can also enroll in the XXXX service being offered to you. Additional information about how to protect your identity and personal information is contained in Attachment B below. \n\nFor more information : A dedicated call center is also being set up to answer your questions about this incident. You may call it toll free at XXXX, Monday through Friday XXXX XXXX XXXX XXXX XXXX ET ( excluding major U.S. holidays ). \n\nSincerely, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX attention XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( see attached ) This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. \nSincerely, XXXX XXXX Enclosures : Identity Theft Report XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( see attached ) This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. \nSincerely, XXXX XXXX Enclosures : Identity Theft Report XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( see attached ) This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. \nSincerely, XXXX XXXX Enclosures : Identity Theft Report XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( see attached ) This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. \nSincerely, XXXX XXXX XXXX : XXXX XXXX XXXX  error Needs attention {$3800.00} Needs attention XXXX XXXX XXXX error Needs attention {$3800.00} XXXX XXXX error Needs attention {$3500.00} XXXX XXXX error Needs attention {$3300.00} XXXX XXXX XXXX XXXX error Needs attention {$1400.00} XXXX XXXX XXXX error Needs attention {$1100.00} XXXX XXXX XXXX error Needs attention {$1000.00} XXXX XXXX XXXX XXXX error Needs attention {$960.00} XXXX XXXX  error Needs attention {$930.00} XXXX XXXX XXXX XXXX error Needs attention {$770.00} XXXX XXXX XXXX XXXX error Needs attention {$720.00} XXXX XXXX XXXX XXXX error Needs attention {$630.00} XXXX XXXX XXXX, XXXX error Needs attention {$590.00} XXXX XXXX XXXX XXXX error Needs attention {$500.00} XXXX XXXX XXXX error Needs attention {$490.00}","date_sent_to_company":"2025-01-06T02:34:15.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32832","tags":null,"has_narrative":true,"complaint_id":"11388155","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-06T02:34:13.000Z","state":"FL","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["My information was exposed in a data <em>breach</em>. I am seeing multiple accounts for the same debts on my <em>credit</em> reports. When I dispute they just keep saying they are mine. \n\nSee Letter : XX/XX/year>XXXX  Re : Notice of Data <em>Breach</em> XXXX XXXX, We are writing to inform you that some of your personal information was recently impacted when XXXX XXXX  XXXX XXXX ( XXXX  ) was the <em>victim</em> of a cybersecurity attack."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Credit</em> inquiries on your report that you don't recognize"]},"sort":[9.283383,"11388155"]},{"_index":"complaint-public-v1","_id":"2850248","_score":8.86964,"_source":{"product":"Mortgage","complaint_what_happened":"lets start at the beginning! in XX/XX/XXXXthe original lender XXXX XXXX that I signed a promissory note I endorsing the note to tender payment by Ucc code. the Mortgage company by state law was supposed to transfer promissory into a remic or a special purpose vehicle To the appropriate payee, and to file XXXX  OID for tax purposes to identify payor & payee. the note was securitized which voided it when separated form the mortgage. I am an investor in the mortgage security instrument. I requested a copy of my loan docs which are separate from the mortgage agreement. the credit line the was supposed to be the source of funds that where lent to me to purchase the home which the promissory secured loan. I was induced and coerced into signing a mortgage agreement for my security that I owned and being the issuer of the investment contract not a mortgage loan to be traded on and to be recouped toward my loan balance. I also submitted certified letters to the servicer OCWEN LOAN SERVICING which has claimed to be the servicer and new holder in due course. They have not responded to the letters that I sent to them stating proof through affidavit that they a authorized to service the note or the proof of the validity of the note ( the original ) NOT A COPY. OCWEN LOAN SERVICING didn't reply to letters so I filed a Revocation of Power of attorney and sent them a copy filed in court record that the have been revoked of the right of power of attorney as servicer & Trustee removed for good cause. The servicer is still trying to foreclose. \n\nAFFIDAVIT OF XXXX XXXX XXXX XXXX. \n\nXXXX XXXX XXXX XXXX. \nc/o XXXX XXXX XXXX XXXX, [ XXXX ] Texas To : OCWEN LOAN SERVICING XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX ACC # XXXX XX/XX/XXXX The undersigned, XXXX XXXX XXXX XXXX a native state Citizen and natural person, hereinafter Affiant does herewith assert and declare on Affiants unlimited liability that Affiant issues this AFFIDAVIT OF XXXX XXXX XXXX XXXX with sincere intent, that Affiant is competent to testify and state the matters set forth herein and is willing to testify with first hand knowledge, all contents herein are true, correct, and complete in accordance with Affiants knowledge, understanding, and intent. Affiant is of sound mind, and over the age of twenty-one. Affiant reserves all rights. Affiant being unschooled in law, and who has no bar attorney, without an attorney, and having never been represented by an attorney, and does not waive counsel, knowingly and willingly Declares and duly affirms : 1. Affiant is not a legal entity nor any other form of juristic or artificial person. \n2. OCWEN LOAN SERVICING is engaged in the business of taking deposits making loans. \n3. Affiant, regarding the absolute and legal estate, is the sole legal and absolute owner, maker, or issuer of the estate and any asset ( s ) or property ( ies ) regarding the absolute estate and Affiant has never assigned, transferred, nominated any of Affiants right, title, or interest to. OCWEN LOAN SERVICING. \n4. Affiant has no knowledge of nor has OCWEN LOAN SERVICING ever revealed or disclosed to Affiant  any trust relationship or creation of any trust with OCWEN LOAN SERVICING or any other ( s ) regarding alleged account # XXXX or the Mortgage/Deed of Trust regarding the same. \n5. It was never Affiants intent to agree or consent to any trust relationship or creation of trust between OCWEN LOAN SERVICING and Affiant. \n6. Affiant never knew of nor agreed nor consented to OCWEN LOAN SERVICING or any others granting authority and becoming a trustee, agent, or having agency over any of Affiants property. \n7. Affiant understood Affiant was obtaining OCWEN LOAN SERVICINGs capital and not obtaining credit or a line of credit nor an open end nor closed end of any form of credit. \n8. OCWEN LOAN SERVICING advanced money or property inducing Affiant into believing said advancement was from OCWEN LOAN SERVICINGs funds when in fact was credit. \n9. Affiant was induced by OCWEN LOAN SERVICING into believing OCWEN LOAN SERVICINGs capital was the only funding source of the alleged transaction. \n10. OCWEN LOAN SERVICING actions to date prevent full disclosure to Affiant   denying Affiant an opportunity to make a fully informed decision with regard to this alleged transaction.\n\n11. OCWEN LOAN SERVICING never disclosed any documented fact that OCWEN LOAN SERVICING purchased Affiants  alleged obligation thereby allegedly obligating Affiant to OCWEN LOAN SERVICING. \n12. CREDITOR NAME HERE induced Affiant  into believing OCWEN LOAN SERVICINGs capital was the sole source of funding regarding alleged account # XXXX. \n13. OCWEN LOAN SERVICING is knowingly and willfully engaging in the collection of an extension of credit while inducing Affiant  into believing Affiant is repaying OCWEN LOAN SERVICINGs own capital. \n14. OCWEN LOAN SERVICING is using extortionate enforcement of payment without clear and full disclosure of foundation to Affiant. \n15. OCWEN LOAN SERVICING is intentionally concealing and withholding material facts regarding any trust or the creation of any trust in the alleged Mortgage/Deed of Trust connected to alleged account # XXXX 16. OCWEN LOAN SERVICING is intentionally concealing and withholding material facts in any trustee or beneficiary, designated, nominated, appointed, or assigned by Affiant. \n17. OCWEN LOAN SERVICING is willfully withholding or concealing full disclosure of all material facts to Affiant. \n18. OCWEN LOAN SERVICING is using undue influence upon Affiant to retain domination over the Affiants will to obtain the rights and property of Affiant without Affiants complete knowledge and intentional consent or agreement. \n19. OCWEN LOAN SERVICINGs action ( s ) exceed persuasion under duress by restraining and injuring Affiants will, property, and rights without the consent, agreement and knowledge of Affiant. \n\n\nAny man or woman having first hand knowledge of all the facts asserted herein and having absolute power and authority to rebut this affidavit must rebut each and every point separately with the rebutting partys own signature and endorsement notarized, under the penalty of perjury and willing to testify, and executed as true, correct, and complete with positive proof attached. Absent positive proof any rebuttal shall be deemed null and void having no force or effect, thereby waiving any of OCWEN LOAN SERVICING immunities or defenses. \nAny rebuttal shall be mailed to the undersigned and the Notary address within ten ( 10 ) calendar  days of OCWEN LOAN SERVICINGs receipt of this affidavit. \nWhen a rebuttal is not received by both the Affiant and the Notary within 10 days this entire Affidavit and default provisions shall be deemed true and correct. \nOCWEN LOAN SERVICING further agrees and consents to this administrative notice and default under this affidavit as clear and convincing evidence and proof of the facts asserted herein : 1. OCWEN LOAN SERVICING agrees to a Deed of release or release of Mortgage.\n\n2. OCWEN LOAN SERVICING agrees to set aside any Mortgage/Deed of Trust.\n\n3. OCWEN LOAN SERVICING agrees that each point in this affidavit shall constitute a single claim against OCWEN LOAN SERVICINGs bond ( s ) for each point not directly rebutted by OCWEN LOAN SERVICING. \n4. OCWEN LOAN SERVICING agrees to release any information, rather private or otherwise, to Affiant about any of OCWEN LOAN SERVICINGs or OCWEN LOAN SERVICINGs agents or representatives Employee Dishonesty Bond, Directors and Officers Policy Bond, or any other liability bond ( s ), including the insurance or bond company name, bond company information, bond enforcement information, or any other of OCWEN LOAN SERVICINGs bond information Affiant  requests. \n5. OCWEN LOAN SERVICING hereby obligates and guarantees OCWEN LOAN SERVICINGs bond ( s ) to secure the performance of non rebuttal of this affidavit to Affiant for any unfaithful performance of fiduciary duties, financial loss, or damages sustained by Affiant in connection to any breach of contract or this affidavit. Any amount is not limited by the value of any property or costs incurred by Affiant in seeking remedy for OCWEN LOAN SERVICINGs breach.\n\n6. OCWEN LOAN SERVICING shall further agree that once or if OCWEN LOAN SERVICINGs bond ( s ) expire, terminate or do not equal the total amount due Affiant, OCWEN LOAN SERVICINGs President, Directors, and any of OCWEN LOAN SERVICINGs agents and representatives shall  become individually liable for any difference due Affiant. \n7. OCWEN LOAN SERVICING obligates and guarantees OCWEN LOAN SERVICINGs current or future bond ( s ) to discharge any allegations against Affiant..\n\n8. OCWEN LOAN SERVICING immediately grants to Affiant the unconditional right of rescission regarding alleged account # XXXX  and any security interest attached thereto.\n\n9. OCWEN LOAN SERVICING agrees to the filing of a UCC-3 deleting the alleged mortgage/deed of trust in any public record.\n\n10. OCWEN LOAN SERVICING agrees to the filing of a UCC-5 Correction in any public registry to correct the inaccurate, unlawful or illegal mortgage/deed of trust in any public record.\n\n11. OCWEN LOAN SERVICING agrees this affidavit shall be used as first party evidence or positive proof in any remedy sought by Affiant.\n\n12. OCWEN LOAN SERVICING shall return any money or property of Affiant including but not limited to any original documentation, including but not limited by, any Notes, securities, assets, applications, transfers, blotters, book entries, assignments, and security interests to Affiants address stated herein. \n13. OCWEN LOAN SERVICING waives all rights to adjudicate the alleged agreement referenced herein.\n\n14. OCWEN LOAN SERVICINGs president and any directors waive all immunities regarding any future actions sought by Affiant.\n\n15. OCWEN LOAN SERVICING shall immediately terminate any security interest and certify to Affiant  the termination within 10 days.\n\n16. OCWEN LOAN SERVICING is barred from any alleged right, title, or interest in any alleged account, note, monetary instrument, asset, or Mortgage/Deed of Trust regarding Affiant.\n\n17. Any alleged trustee, or successor of OCWEN LOAN SERVICING is hereinafter completely removed and disqualified as trustee, agent, or successor by Affiant.\n\n18. OCWEN LOAN SERVICING and any of OCWEN LOAN SERVICINGs assigns or nominees are estopped henceforth from any action against any of Affiants rights or property.\n\n19. OCWEN LOAN SERVICING abandons all right of : entry, possession, judgment, assignment or notice regarding Affiant or Affiants property. \n20. OCWEN LOAN SERVICING abandons the right of any alleged waiver or estoppel.\n\n21. OCWEN LOAN SERVICING hereinafter discharges any alleged Mortgage/Deed of Trust or any alleged debt.\n\n22. OCWEN LOAN SERVICING agrees that OCWEN LOAN SERVICING is in violation of the Statute of Frauds.\n\n23. All relationships between OCWEN LOAN SERVICING and Affiant are null and void.\n\n24. OCWEN LOAN SERVICING hereby admits to causing Affiant  to enter an alleged agreement under mistake.\n\n25. The alleged Mortgage/Deed of Trust recorded and filed in any public record is a result of the aforementioned mistake and therefore is null and void.\n\n26. OCWEN LOAN SERVICING agrees that Affiant is the absolute legal and lawful titleholder of Affiants property referenced herein. \n27. OCWEN LOAN SERVICING agrees that Affiant  is a victim of Larceny and unlawful conversion by OCWEN LOAN SERVICING.\n\n28. OCWEN LOAN SERVICING agrees that OCWEN LOAN SERVICING filed simulated process in the public record.\n\n29. OCWEN LOAN SERVICING agrees that OCWEN LOAN SERVICING breached Trust of Realty regarding Affiant.\n\n30. OCWEN LOAN SERVICING agrees and consents that OCWEN LOAN SERVICING has no power of sale regarding alleged Mortgage/Deed of Trust or property of Affiant.\n\n31. OCWEN LOAN SERVICING agrees and consents to Injunctive relief for Affiant.\n\n32. OCWEN LOAN SERVICING agrees that CREDITOR NAME HERE has breached any express trust by disloyalty.\n\n33. OCWEN LOAN SERVICING agrees that OCWEN LOAN SERVICING has breached the oral trust relationship with Affiant. \n34. OCWEN LOAN SERVICING agrees that OCWEN LOAN SERVICING has employed the extortionate extension of credit with regard to Affiant.\n\n35. OCWEN LOAN SERVICING agrees that OCWEN LOAN SERVICING is hereby removed and disqualified as trustee ( s ) pursuant to : a. Conflict of interest b. Concealment c. Breach of fiduciary responsibility ( ies ).\n\nd. Fraud.\n\n8-102 subsection 9 ( 9 ) \" Financial asset, '' except as otherwise provided in Section 8-103, means : ( i ) a security ; ( ii ) an obligation of a person or a share, participation, or other interest in a person or in property or an enterprise of a person, which is, or is of a type, dealt in or traded on financial markets, or which is recognized in any area in which it is issued or dealt in as a medium for investment ; or ( iii ) any property that is held by a securities intermediary for another person in a securities account if the securities intermediary has expressly agreed with the other person that the property is to be treated as a financial asset under this Article. \nAs context requires, the term means either the interest itself or the means by which a person 's claim to it is evidenced, including a certificated or uncertificated security, a security certificate, or a security entitlement. \n( 10 ) [ reserved ] ( 11 ) \" Indorsement '' means a signature that alone or accompanied by other words is made on a security certificate in registered form or on a separate document for the purpose of assigning, transferring, or redeeming the security or granting a power to assign, transfer, or redeem it.","date_sent_to_company":"2018-03-21T21:05:21.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"751XX","tags":null,"has_narrative":true,"complaint_id":"2850248","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2018-03-21T19:58:05.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Affiant never knew of nor agreed nor consented to OCWEN LOAN SERVICING or any others granting authority and <em>becoming</em> a trustee, agent, or having agency over any of Affiants property. \n7. Affiant understood Affiant was obtaining OCWEN LOAN SERVICINGs capital and not obtaining <em>credit</em> or a line of <em>credit</em> nor an open end nor closed end of any form of <em>credit</em>. \n8."]},"sort":[8.86964,"2850248"]},{"_index":"complaint-public-v1","_id":"8021030","_score":6.3770933,"_source":{"product":"Debt collection","complaint_what_happened":"BUSINESS ASSOCIATION BREACH & HIPPA/ MEDICARE INSURANCE VIOLATIONS & FRAUD TO IMPROPERLY EXTORT, STEAL & UNLAWFULLY WITHDRAW MY MONEY BY ABUSIVE & INVALID GARNISHMENT ACTIONS PETITIONERS FOR IMMEDIATE OFFICIAL INVESTIGATION OF THIS ABUSE & FRAUD IMPROPER USE OF THE JUDICIAL SYSTEM : My complaint is against a Hospital and Medical Provider XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN, and their unlawful/non-bonafide business associates : XXXX XXXX XXXX XXXX XXXX for MEDICAL IDENTITY FRAUD, THEFT, & DIRTY CLAIMS FRAUD. The Provider and its unsanctioned are pursuant to policy XXXX XXXX XXXX XXXX and Aggravated/Aggressive Predatorial `` Debt Collector '' knowingly abrogating & evading the requirements of the EMTALA program of the Federal government for uninsured Patience ( s ) .To unlawfully violate the HIPPA LAWS & HIPPA 'S PRIVACY/SECURITY LAWS and caused \" UNLAWFUL BREACH '' to sell \" BUNDLES OF ALLEGED BAD DEBTS '' that are in majority of cases supposed to have been paid by the \" FEDERAL GOVERNMENT MEDICAL ASSITANCE PROGRAM ( S ) LIKE THE EMTALA ''. Fraudulently including with submission to the Government for payment said hospital \" DOUBLE DIPS '' and sales of these \" BUNDLES OF ALLEGED BAD DEBTS '' to Aggressively Predator \" DEBT COLLECTORS '' who are also 9 out of 10 not even properly contracted as XXXX XXXX XXXX XXXX XXXX' as required by the HIPPA STATUES according to subtitle D of the ARRA, SEC. 13401, APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 1307 ( 1 ) BREACH SECURITY ; Title 15 U.S.C. sect ( s ) 1692g and 1681-1692 et seq., as well. Also, the revised section of the Social Security Act 1176 ( a ). Not acting in the best interest of the Public or this former XXXX XXXX XXXX XXXX XXXX. The hospital is knowingly & willfully Entrapping uninsured and/or low-income patients into illegal Debt traps with the private and personal information they obtain from the patients under the disguise that such information is needed for their medical care and payment from the State to the hospital on their aka the patient 's behalf. A potential BREEDING GROUND for corruption and deceptive business practices. On XX/XX/XXXX, said law firm of XXXX XXXX XXXX XXXX had been stalking this Petitioner to Extort money from this petitioner at his former place of employment with STRATOSPHERE QUALITY LLC, to take advantage of the petitioner 's vulnerable former status as a Patient with XXXX XXXX XXXX. Pursuant to the bogus Request for Affidavit Signature and Assignment of Debt said the law firm has been stalking said petitioner before the signing of the bogus/fraudulent agreement with the Hospital XXXX XXXX XXXX XXXX XX/XX/XXXX during the time of the National Pandemic and after post patient 's discharge from the hospital unbeknown to him. Said the law firm was stalking this petitioner to erroneously collect on an alleged \" DEBT '' before the firm had even purchased the alleged \" BAD HOSPITAL DEBT '' from the Hospital. The Law firm didn't even own it before XX/XX/XXXX ; yet they were still attempting to collect. Unsavory Business & Debt Collection Practices. UDAAP & FDCPA Act violations. One XXXX XXXX, XXXX of XXXX XXXX conspired and XXXX to violate HIPPA requirements and security, her position and the Hospital 's position of Trust and the patient 's right to privacy to sell alleged \" BAD HOSPITAL 'S DEBTS '' to XXXXXXXX XXXX XXXXXXXX XXXX XXXX to patients that the private and personal information they gave to the hospital would eventually be used against them in this manner. Unlawful exposure of this Petitioner 's personal and private information and security breach. By impermissible use and disclosure under the Privacy Rule that has compromised the security and privacy of this Petitioner 's health and financial information. Said attorney XXXXXXXX XXXX XXXXXXXX XXXX is not even a \" Covered Entity '' as required by the HIPPA Privacy & Security Rule. XXXX XXXX violated the rules by failing to 'safeguard ' said Petitioner 's private & protected health information from Misuse. Even being a \" Covered Entity ' that 'Covered Entity ' is only allowed by law to use protected Health and Private Information to carry out its Health Care functions. Not for the business Associates ' Independent use or purposes. The law firm had not had any \" Health Care Functions ''. Violating HIPPA RULES ( Privacy Security ) Breach Notification and Enforcement Rules 45 CFR Part 160 and Part 164 et. seq. Failing to use appropriate safeguards by XXXX XXXX as required by Subpart C at 45 CFR Part 164 with respect to electronically protected health information to prevent disclosure of protected health information other than as provided by the Agreement. XXXXXXXX XXXX  XXXX has never provided any evidence that they are holders of proper Business Associate agreement with XXXX XXXX XXXX to be having access to such private information as required by 45 CFR 160.103 Administration Simplification Rules as well. And is deemed by law to be an '' Unauthorized Person '' under the statute. XXXX XXXX XXXX and its XXXX XXXX XXXX XXXX and or enact the required 'Breach Risk Assessments ' before selling off any of the alleged \" Hospital 's BAD DEBTS '', also required under the statute. Being a 'Serious Health and Safety Breach ' having a Reckless disregard for the 'risk ' of harm erroneously imposed on another ; aka this Petitioner. THERE IS NO BONAFIDE OR CONTRACTUAL AGREEMENT BETWEEN EITHER OF THESE PARTIES IN QUESTION FOR A COURT TO DRAW ITS RULING FROM OR GIVE ANY COURT AUTHORITY AT REM OR OTHERWISE TO HOLD THIS PETITIONER LIABLE FOR A CONTRACT THAT NEVER EXISTED. iS UNACCEPTABLE FOR ANY SYSTEM PURORTING TO BE A JUST SYSTEM OF LAW. EVIDENCE OF PUBLIC CORRUPTION AT ITS FINEST. WHERE HEARINGS WITHIN THE SMALL CLAIMS COURT AND COURT OF APPEALS ARE A XXXXXXXX XXXX AND ONLY FOR THEIR PEERS TO OBTAIN ACCESS TO CONTRADICTORY TO THE PROHIBITION ( S ), OBLIGATION ( S ), DEMAND ( S ), AND GUARANTEE TO PETITION & ACCESS OF THIS STATE & FEDERAL CONSTITUTION ( S ). BASED UPON THESE JUDGE 'S, MAGISTRATE 'S, AND APPEAL JUDGES ' HIDDEN POLICIES AND PROCEDURES OUTSIDE THE STATE AND FEDERAL LAWS OF FED. ( & STATE ) R. CIV. PRO. & LAW. DUE TO SPECIAL PREFERENTIAL TREATMENT FOR THEIR ALLEGED BAR-LICENSED ATTORNEY ( S ) & COLLEAGUES MADE IT IMPOSSIBLE FOR THIS PETITIONER TO OBTAIN ANY RESEMBLANCE TO A FAIR & IMPARTIAL HEARING OR TRIAL BEFORE THEIR COURTS. DUE TO ALLEGED \" PRO SE LITIGANTS '' BEING UNLAWFULLY PREJUDICED AND DISFAVORED BY THE COURTS. AND MAGISTRATES CROSSING THE LINE IN BECOMING ADVOCATES FOR THE COMPLAINED ABOUT ATTORNEY ( S ) AND ITS FIRM LISTED HEREIN. AND ADVERSARY TO THIS UNWITTING AND ORIGINALLY UNSUSPECTING PETITIONER. By purchasing these \" BAD HOSPITAL DEBTS '' the law firm of XXXXXXXX XXXX XXXXXXXX XXXX was \" PROHIBITED '' by the Doctrine of \" Volenti Non-Fit Injuria '', the plaintiff 's consent serves as a defense AGAINST HIM. The doctrine clearly states and is well-settled in law that If a person consents to harm committed upon him, that person can not be permitted to sue the other for the tort. Consent to such harm can be either implied or expressed. In the case of express consent, the consent is open and either verbal or contractual. And XXXX XXXX XXXX XXXX invited its own Harm by purchasing \" BAD HOSPITAL DEBT ( XXXX ) '' they knew they probably could not \" COLLECT UPON ''. Therefore, they had No right to Equity. Equity by law was not supposed to be afforded to them, under the above doctrine and the Doctrine of \" Unclean Hands. '' Totally obliterating their obligations and requirements under the Fair Debt Collection Practices Act also known as the \" FDCPA '' prohibitions. Under this Act ( Title VIII of the Consumer Credit Protection Act ), third-party debt collectors are prohibited from using deceptive or abusive conduct in the collection of consumer debts incurred for personal, family, or household purposes. The law firm was committing acts of \" DECEIT '' by using improper communication tactics and unlawfully and abusively using the Courts as a Weapon through 'irregular proceedings ' as a means of Intimidation in their unlawful attempts to collect an alleged \" debt '' ; & contact said Petitioner through all 'undeliverable '' mailing addresses of this said petitioner. To obtain unlawful tactical advantages and judgments against said Petitioner by unscrupulous, deceptive, and unjust means to rob this Petitioner of his rights to contest their unlawful acts. Even after the Law firm was able to ascertain said petitioner 's correct address from the employees, these attorneys were coerced into releasing yet again, other private and personal information of this Petitioner. These attorneys would still use the incorrect address to give the false & misleading impression that they were contacting this Petitioner to the Courts when the law firm knew they were not. Falsifying information to authority is a criminal offense under Title 18 U.S.C. sect. 1001,241,242,287,1621, 1623, 208, 876, 981 Civil Foreciture ( C ), ( D0 et. seq., and other applicable laws, including Perjury ; Subordination of Perjury, and Aggravated Perjury. Offense of Perjury -carries a maximum penalty of ( 7 ) seven years of Imprisonment and/or fine. Aiding & abetting or INCITING AN OFFENCE OF PERJURY, ( in which XXXX XXXX XXXX and the attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX ; with XXXX XXXX and XXXX XXXX false affidavits ), Is also an INDICTABLE OFFENCE SUBJECT TO THE SAME MAXIMUM PENALTY. Which Negatively affected the issues at hand and erroneously affected and INFLUENCED THE COURTS. See the Perjury Act of 1911. Indiana Code 35-44. 1-2-1 Perjury A-Class ( 6 ) Felony. Is an \" Injury-in-fact-on Invasion of legally protected interest '' that is both \" concrete and particularized '' and \" actual or imminent '' in accordance to and with Lujan vs. Defenders of Wildlife, 504 U.S. at 560-61. Even before XXXX XXXX XXXX XXXX purchased the \" BAD HOSPITAL DEBT '' from XXXX XXXX XXXX XXXX XXXX XXXX XXXX solicited the assistance of Automatic Data Processing Inc., trade name \" ADP ''. XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, and XXXX had been tossing around and fully disclosing my Personal social security number around in and out of public records, to any and all employees and other members of alleged teams and employers without my knowledge or consent ; in violation of Employer/Employee work relationship violating their position of trust. In violation of the FDCPA requirement of information that could be disclosed. Violation of a Privacy Law produces an immediate injury in fact sufficient to confer Standing under Article III. \" Unjustifiably high risk '' of violating the statute ( s ). According to Title 15 U.S.C. sect. 1692 Rule 809 ( a ) XXXX XXXX XXXX XXXX was required to send notice to said Petitioner that they were attempting to collect a debt before any so-called Court action were to occur ; which is known to everyone in the \" DEBT COLLECTION MARKET & BUSINESS ''. This is what is called a \" Dunning Letter '' which is to give said Petitioner the right to Dispute any alleged debt in their initial communication. Said Petitioner was denied this right and said attorney ( s ) thwarted proper process and procedures and went straight to court action in violation of the FDCPA rules as stated above and FDCPA rule 1696g ( 5 ) ( b ) the debt collector shall CEASE COLLECTION OFTHE DEBT, or any disputed portion thereof until the debt collector obtains verification of the \" DEBT '' or a copy of a judgment or the name and address of the original creditor, and a copy of such verification or judgment or name and address of the original creditor is mailed to the consumer by the DEBT COLLECTOR. [ cited in relevant part ] Any collection activities and communication during the ( 30 ) day period may NOT OVERSHADOW or be INCONSISTENT WITH THE DISCLOSURE OF THE CONSUMER 'S RIGHT TO DISPUTE THE \" DEBT '' or request the name and address of the original creditor. ( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an \" INITIAL COMMUNICATION '' for purposes in subsection ( a ). ( XXXX ) Notice provisions. The sending or delivery of any form or notice that does not relate to the collection of a debt and is Expressly required under Title 26, Title V of Gramm-Leach-Bliley Act 15 U.S.C. sec. 6801 et. seq., or any provision of Federal or state law relating to Notice of DATA SECURITY BREACH OR PRIVACY, or any regulation prescribed under any such provision of law, shall not be treated as an Initial communication in connection with debt collection for the purposes of this section. Pub. L. 90-321, Title VIII, sect. 809, as added Pub. L. 95-109, Sept 20, 1977, 91 Stat. 879 ; amended Pub. L. 109-351, Title VIII, sect. 802, Oct. 13, 2006, 120 Stat. 2006. 1692j ( a ) Venue. ANY DEBT COLLECTOR who brings any LEGAL ACTION on a debt against any consumer shall - ( 1 ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only ion judicial district or similar legal entity ; ( A ) in which such consumer SIGNED ( the law firm knowingly entered a lawsuit on behalf of XXXX XXXX and XXXX XXXX XXXX XXXX XXXX as the plaintiff with NO SIGNED CONTRACT between this Petitioner and any of the aforementioned Parties, and No contract between this Party and that of XXXX XXXX XXXX either ), the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action ( XXXX XXXX XXXXXXXX XXXX initiated an older case in order to ENLARGE a judgment from another cause in XXXX XXXX XXXX XXXX to their own to outdated and obselete addresses the attorney ( XXXX ), ADP and the Courts knew were \" undeliverable '' to said Petitioner to get an upperhand and get a SECOND JUDGMENT PROHIBITED BY LAW & CLAIMED BARRED BY RESJUDICATA 'S ISSUE PRECLUSION & CLAIM PRECLUSION '' ), ( b ) Authorization of Actions. \" NOTHING in this subchapter SHALL BE construed to authorized the bring of legal actions by \" DEBT COLLECTORS '' ( Therefore, XXXX XXXX XXXX XXXX was forbidden & PROHIBITED by statue from bring suits in their own name. ). Interfering with the Proper & General Government Administration & Operations. Pub. L. 90-321, Title VIII, sect. 811, as added Pub. L. 05-109, Sept. 20, 1974, 41 Stat. 880. ). Unconstitutional ( statutorily ) per se In US law, the term illegal per se means that the act is inherently illegal. Thus, an act is illegal without extrinsic proof of any surrounding circumstances such as lack of scienter ( knowledge ) or other defenses Acts not done in Good Faith. The attorney ( s ) at XXXX XXXX XXXX XXXX has violated Indiana 's Rules of Professional Conduct 8.4 ( c ) Engaging in conduct involving dishonesty, fraud, deceit, or misrepresentation ; ( d ) Engaging in conduct that is Prejudicial to the administration of justice., 84 ( g ) ,3.1 Diligence, 1.4 Communications, 3.1 ( filing Non- ) Meritorious Claims and Contentions, 3.3 Candor toward the Tribunal, 3.4 Fairness to Opposing Party and Counsel, just to name a few. Byway and through XXXX XXXX XXXX and XXXX XXXX XXXX 's ( who in the law firm has unlawful contact, communications, and undue influence with the courts, and people knows he wheels his position to influence the courts in his law firm favors to obtain illegal and improper judgments for their benefits outside the rules of law ), Illicit UDAAP and commercial practices as prohibited by the FDCPA., FAIR DEALINGS, AND FAIR CREDIT TRANSACTIONS, AND OTHER LAWS & CRIMINAL CODES. XXXX XXXX is in the business of ILLICIT COMMERCE OF BUYING \" BAD DEBT '' AND UNLAWFULLY ASSIST CLIENT TO COLLECT ERRONEOUS DEBTS THAT IS UNCOLLECTIBLE AND ENFORCIBLE BY LAW ; WHEREAS THOSE XXXX XXXX AND AND HER CLIENTS SHOULD KNOW OR SHOULD HAVE KNOWN THE RISK OF HER AND HER CLIENT NOT BEING ABLE TO COLLECT OR RECEIVE PAYMENTS ON THOSE \" BAD DEBTS '' THAT RENDERS THEIR ALLEGED RIGHTS TO BE UNENFORCIBLE ACCORDING TO THE LAWS OF EQUITY AND THE DOCTRINE OF \" VOLENIT NON-FIT INJURIA '' FORFITURES. XXXX XXXX is in direct conflict and direct violation of R. 8.4 which states it's professional misconduct for a lawyer to ( a ) violate or attempt to violate the Rules of Professional Conduct knowingly assisting or induce another to do so or do so through the acts of another ; ( b ) commits a criminal act that reflects ADVERSELY on the lawyer 's honesty, trustworthiness or fitness as a lawyer in other respects. XXXX XXXX had or should have, I, am sure, access to the XXXX XXXX XXXX file and should have been better able to advise them that they had no lawful recourse against my brother XXXX XXXX XXXX. XXXX XXXX was an is well aware of the action being taken against her client XXXX XXXX XXXX by the CFPB for abusive and predatory credit extension where they lure in low-income and those most vulnerable into their Credit scheme where their borrowers are SET-UP TO FAIL so they can charge them unlawful 8th Amendment Excessive Fees & Fine violations aka JUNK FEES to booster their brofits and still steal the people 's care and \" DOUBLE DIP '' AND SOMETIME TRIPLE DIP and obtain money for the resale of the care and FALSE & FICTITIOUS INSURANCE CLAIMS. But yet all in all, instead of XXXX XXXX refusing to continue with representation, XXXX XXXX continues her unlawful representation and XXXX and abet her clients to violate and BREAK THE LAW. Violating 8.4 ( b-e ) Violating Indiana Criminal for Aiding and Abetting the commission of a crime and being an accessory after the fact. See action by the Consumer Financial Protection Bureau vs. XXXX XXXX, attached herein at length as fully set herein. Also, notice that the same actions are being taken against XXXX XXXX ' clients in many other states by the Office of Attorney General for the same abusive and predatory tactics they are attempting to take against my brother now. XXXX XXXX is using her license for an \" IMPROPER PURPOSE '' not to obtain and seek justice for her clients, but to use and Manipulate the Judicial Process as a WEAPON against the people of this State and compromise the Integrity and Impartiality of the Judiciary ; to bring it into ill-repute.. Being in direct conflict with R. 8.4 ( e ) state or implying an ability to influence improperly a government agency or official to achieve results by means that violate the Rules of Profesional Conduct, or other laws ; ( f ) knowingly assist a judge or judicial officer in conduct that is a violation of applicable rules of Judicial Conduct or other law, Recklessly Endangering Another Person. Title 18 U.S.C.sect. 27045. OVERBILLING< UNEARNED FEES, ILL-GOTTEN GAINS ; Vexing others with UNJUST AND VEXATIOUS LAWSUITS : UNNECESSARILY SPURNING THE COST OF LITIGATION. R.8.4 ( g ) Engaging in conduct in a professional capacity Manifesting, by words or conduct, bias or prejudice based upon race, gender, religion, national origin, XXXX, XXXX orientation, age, SOCIAL ECONOMIC STATUS, or similar factors [ cited in relevant parts ] rendering XXXX XXXX and unfit, undeserving, illegitimate advocate that needs to be removed & disbarred ; for patterns, secretly and out in the open, of repeated offenses like her clients that can not continuously go UNPUNISH. Countless Private Citizens have gone to jail and spent their lives in prison for less. Petitioner asserts that said Attorney is and should be Amendable to the entire Criminal Law and be held to endure its consequences for violations as mentioned herein. And for her continuance to representing clients she knows to have or intends to break the law makes her underserving to be an Officer of the Courts for she has No characteristics that are unbecoming of an Officer of the Courts. And the people are in imminent danger of her continued ability to practice law in the State of Indiana for the people at large are \" AT RISK ''. XXXX XXXX ' behavior shows that she clearly possesses the ability to fulfill her duties and obligations as a professional lawyer and will not and can not be trusted nor accounted upon to follow the rules and act in accordance with the professional standards of a lawyer. Therefore, I move that an Official Investigation be opened up against XXXX XXXX for her unprofessional acts and misconduct as an attorney in my brother 's case and many other causes within XXXX XXXX and other Counties where she practices before the courts within the State of Indiana. Also, I move that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX be placed under investigation as well because they are the ones that are keeping and collecting data and personal information and dissimulating it to Companies and Lawyers personal and private information of litigants unbeknown to them and without the authority of law violating People Privacy and compromising their personal and private information. Like XXXX and/or XXXX XXXX, and other Managers and Clerks within that office. Inclusions with Lawyers and Attorney firms to BENEFIT THE COURTS AND THEIR BOTTOM-LINE. Making Court Actions nothing more than purpose and motivation for Profit rather than Justice. Placing people of this and all communities PREY and VULUNERABLE to severe financial attacks, calamities, and in harm 's way the court 's vultures and extortionists. Aided by Unconstitutional Exercise of Government Power within the States ' Superior Court in XXXX XXXX XXXX of Indiana and I'm sure other counties as well, XXXX XXXX XXXX being the Most Glaringly Abusive and willingly manipulated. Rendering XXXX a Victim under Congress resend 1998 Identity Theft and Assumption Deterrence Act. This legislation created a New Offense of Identity Theft, which PROHIBITS \" Knowingly transferring or Using WITHOUT LAWFUL AUTHORITY a means of Identification of ANOTHER PERSON ( private & personal information of which the clerks gave to XXXX XXXX XXXX 's lawyer ) ( but lied in other instances that they did not have his access and sent XXXX 's mail to other addresses. ) with the INTENT to commit or to aid, or abet, any UNLAWFUL ACTIVITY THAT CONSTITUTES A VIOLATION OF FEDERAL LAWS, or that constitutes a FELONY under any applicable State or local laws. Like Perjury, Subornation of Perjury, False Claims, and more just to name Like XXXX XXXX and XXXX XXXX coaching their employees to make False Affidavit as you would see in their fabricated complaint levied against XXXX in which they are NOT AN INJURED PARTY as explained above. Engaging in Misconduct for which these attorneys and their law firm should be disciplined and DISBARRED.","date_sent_to_company":"2023-12-20T20:30:34.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"46805","tags":null,"has_narrative":true,"complaint_id":"8021030","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ADP Inc.","date_received":"2023-12-18T15:10:25.000Z","state":"IN","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Rendering XXXX a <em>Victim</em> under Congress resend 1998 Identity Theft and Assumption Deterrence Act."]},"sort":[6.3770933,"8021030"]},{"_index":"complaint-public-v1","_id":"5728635","_score":5.4056225,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Affiant transaction was financed by Westlake, and XXXX assigned the \" XXXX '', which was afterwards referred to as Consumer Credit Contract, to \" Westlake '' XXXX, who works as a sales representative for \" XXXX, gave the affiant false and misleading information about the transaction after the affiant questioned the nature of the documents and charges involved, and failed to disclose the mandatory disclosures under \" TILA on how much affiant would be spending on credit and receiving the Loan Approval Disclosure, which provides information about the specific loan 's rate, fees, and terms, as well as an estimate of how much affiant would repay over time. '' This gives the Affiant 30 days to accept the loan. The Loan Consummation Disclosure, which includes a notice concerning Affiant 's right to terminate the loan within three days, should have been sent to \" Affiant ''. The lender can then disburse the monies.\n\nIn addition, \" Westlake '' became \" creditors '' under the FDCPA with respect to loans they created, acquired, or purchased, 15 U.S.C. 1692a ( 4 ), and \" Westlake '' became \" debt collectors '' within the meaning of the FDCPA when Westlake '' contacted me. The documents contained inside the correspondences after requesting debt validation and getting correspondences from \" Westlake '' according to debt validation were statements and the \" XXXX, '' \" which had been altered from the original document and featured a forged signature. \n\nSection 807 of the FDCPA, 15 U.S.C. 1692e, prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. Section 807 ( 5 ) of the FDCPA, 15 U.S.C.\n\n1692e ( 5 ), specifically prohibits threatening to take any action that can not legally be taken or is not intended to be taken which Westlake Actions shows they have violated the FDCPA Because the Act imposes strict liability, a consumer need not show intentional conduct by the debt collector to be entitled to damages. '' Russell v. Equifax A.R.S, 74 F. 3d 30, 33-34 ( 2nd Cir. 1996 ). \n\nWestlake dishonoredAffiant Cease and desist and debt validation which resulted in violation of 15 U.S. Code 1692g On XX/XX/XXXX, at \" XXXX, XXXX, an employee of \" XXXX, '' directed the \" Affiant '' to make false statements to \" Westlake, '' with the statements being \" Tell the bank you have possession of the Car, '' as if it would benefit the Affiant. As cited, Untrue statements amount to constructive fraud. Thompson v. Houston, 135 P.2d 834 : 17 Wash 457. \n\nXXXX and Westlake were in possession, and improper use of XXXX XXXX 's private information on XX/XX/XXXX where there is a police report. \n\nFact : It was a credit application created by an unknown source at XXXX XXXX EDT and printed at XXXX XXXX EDT that contained XXXX XXXXXXXX XXXX private information and contained Source : XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX at the bottom of the credit application, and she wasn't present at \" XXXX  '' to authorize anyone to have or use her private information because she wasn't present there to authorize anyone to have or use her private information And after they improperly used her private information, she became aware and contacted the \" Affiant '', expressing her outrage and emotional distress over her personal information being used without her consent and knowledge. The \" Affiant '' explained that \" XXXX  '' unlawfully ran her consumer report, and then the \" Affiant '' informed \" XXXX '' that XXXX XXXX was aware of \" XXXXXXXX XXXX  '' unlawful use of her private information. and a finance manager communicated with XXXX XXXX to clarify that I did not give them any of her personal information and to apologize for unlawfully using and possessing her private information. \n\n\" Westlake '' failed to provide factual documentation to \" Affiant '' in response to \" Affiant 's '' request for debt validation by sending an altered document with a forged signature on the note and no signature at the bottom of the page, despite the fact that the original document had a signature line at the bottom. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. See Pacific Concrete F.C.U. v. Kauanoe, 62 Haw. 334, 614 P. 936 ( XXXX ), GE Capital Hawaii , Inc. v. Yonenaka 25 P. 3d 807, 96, Hawaii 32, ( Hawaii App XXXX ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super. XXXX ), Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A. 2d 1218, 201 Conn. I ( XXXX ), and Solon V. Godbole, 163 III. App. 3d 845, 114 I11. Dec. 890, 516 N.E. 2d 1045 ( 3Dist. XXXX ). \n\nAnd after receiving a alter document \" Affiant '' begin to question the nature of the transaction and along with who is the holder of the note and upon asking questions and filing a complaint \" Affiant '' got a response from XXXX XXXX who is employed as Director of Compliance of Westlake that XXXX is the holder of the Original Note and as of today, XXXX nor Westlake have not provided such proof. \n\nWestlake failed to provide Affiant with factual documentary evidence concerning this alleged loan, we have fraud in the inducement which means Westlake are no longer the holder and as a result of the fraudulent nature of transaction all payments paid to Westlake are deem Extortion payments And since XXXX presented Affiant false misrepresentation and directing \" Affiant '' to give false statements to help the deal be successful and XXXX receiving a unjust financial gain therefore all property and monies paid to XXXX are deemed Extortion payments Westlake nor XXXX is not the holder because the promissory note is forged, and a forged document has legal consequences. \n\nWestlake and XXXX undoubtedly intended to include economics similar to stealing my promissory note as part of the agreement. \n\nFurthermore Constructive fraud comprises all acts, omissions, and concealments involving breach of legal or equitable duty, trust, or confidence which resulted in damage to another. Re XXXX 's XXXX, XXXX XXXX XXXX. \n\nMoreover, Fraud is defined as deceit, deception, artifice, or trickery operating prejudicially on the rights of another, and so intended, by inducing him to part with property or surrender some legal right. Also, anything calculated to deceive another to his prejudice and accomplishing the purpose, whether it be an act, a word, silence, the suppression of the truth or other device contrary to the plain rules of common honesty. 23 Am J2d, Fraud, Section 2.\n\nFraud in the inducement occurs when a person tricks another person into signing an agreement to ones disadvantage by using fraudulent statements and representations. Because fraud negates the meeting of the minds required of a contract, the injured party can seek damages or terminate the contract. \n\nUnder Texas law, a claim for fraudulent inducement must show that the defendant made a material misrepresentation, which one knew was false or without knowledge of its truth, and intended the inducement to cause reliance by the injured party. \n\n\" XXXX  '' provided a false and deceptive form, referring to it as a \" XXXX '' and then referring to it as a \" CONSUMER CREDIT CONTRACT '' with a Statement - ( ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSET AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID THE THE DEBTOR HEREUNDER ) So, by naming it \" XXXX '' rather than \" CONSUMER CREDIT CONTRACT, '' \" XXXX '' intentionally or unintentionally intended to conceal the true nature and title of the document. \n\nAnd as action shown by XXXX and Westlake seems to be deemed as Fraud in the inducement due to fraudulent statements and but not limited to material misrepresentation.\n\nIf all allegations remained uncontested. In whereas stated Uncontested allegations of fact in affidavit must be accepted as true Morris v. National Cash Register Co., 44 S.W.2d 433. Moreover Statements in affidavits that are not rebutted by the opposing party 's affidavit or pleadings may be accepted as true by the trial court. Winsett v. Donaldson ( Mich 1976 244 N.W.2d 355. \n\nRegarding a issue that occurred XX/XX/XXXX, Affiant attempted to resolve a matter within good faith with the used car department sales manager at XXXX to inform him of the severe problem thatAffiant am facing in regards to a notice that Affiant sent to XXXX on XX/XX/XXXX which went ignored. Furthermore, Affiant notified the sales manager at around XXXX on XX/XX/XXXX that Affiant is aware of the fraudulent transaction and breach of agreement. During this transaction Affiant did not receive full, adequate disclosures of the mutual agreement which took place on XX/XX/XXXX at XXXX XXXX.Affiant was never informed about my formal right to rescind the transaction, and while trying to explain my situation, the sales manager rudely spoke over me and advised that Affiant should call the corporate office further stating that its not the sales manager 's problem before hanging up. The sales manager failed to provide me with the necessary information to handle this situation appropriately so Affiantcalled back at XXXX XXXX  and spoke to a sales rep by the name of XXXX, in the new car sales department. Affiant then informed XXXX about the situation and expressed that I needed to speak to someone in charge. He said the managers were in a meeting and proceeded by transferring me to a customer relations specialist by the name of XXXX. Affiant attempted to inform XXXX of the situation and XXXX was incompetent. XXXX didnt fully grasp how Affiant was harmed by the agreement. She assumed that nothing was wrong with the agreement and Affiant further informed her about previous correspondence to XXXX. Affiant then explained how he received an altered document. And with XXXX Not helping resolve the issue it didnt do anything but cause emotional distress and an eruption in the Affiants livelihood after becoming aware that the Affiant has been a victim of a fraudulent transaction. \n\nAfter communicating with XXXX XXXX and informing him of the situation, the Affiant was contacted by XXXX XXXX, who works for \" XXXX '' as a XXXX. After communicating with XXXX XXXX and informing him of the situation, he gave the impression that he was going to help the Affiant, but instead left the Affiant with more worry and unanswered questions that did not benefit or help the affiant in any way. \n\nThe contract was a mutual agreement, and mutual agreements can not exist without full disclosure. As a result, there has been a breach of contract. There is no bona fide signature on the note, the note is forged, the note was stolen, and the value of the stolen property was returned as a loan, in breach of the contract. \n\nThe collateral was not sold at a commercially reasonable price such as the car, was repossessed and sold at a private auction at less than a fair market value XXXX '' and Westlake '' are in violation of the duty of good faith and fair dealing. Due to the parties acting collectively acted in bad faith in its interactions with me. \n\nThe contract is an unfair and deceptive contract with the XXXX and Westlake, the contract was unfair and should not be enforced by the court. \n\n\" Affiant '' encountered difficulties at work as a result of \" Westlake '' calls disrupting \" Affiant '' production and resulting in a loss of Affiant clients. As a result, the affiant lost a substantial amount of wages, clients, and property. \n\nBecause the activities in this transaction involving the parties listed above, as well as the actions taken by \" XXXX '' and \" Westlake, '' constitute bank fraud because they include credits, securities, and assets, according to 18 U.S. Code 1344 - Bank fraud : Whoever knowingly executes, or attempts to execute, a scheme or artifice ( 1 ) to defraud a financial institution; or ( 2 ) to obtain any of the moneys, funds, credits, assets, securities, or other property owned by, or under the custody or control of, a financial institution, by means of false or fraudulent pretenses, representations, or promises ; shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both. \n\nThe rules for federal bank fraud sentencing and punishment are harsh. If found guilty of this felony in federal court, \" XXXX '' and \" Westlake '' could face a term of up to 30 years in federal prison and fines of up to XXXX XXXX dollars. Furthermore because it involves the nation 's financial institutions, bank fraud is a white-collar crime that is frequently prosecuted at the federal level.. \n\nPursuant to 18 USC 891 to extend credit means to make or renew any loan, or to enter into any agreement, tacit or express, whereby the repayment or satisfaction of any debt or claim, whether acknowledged or disputed, valid or invalid, and however arising, may or will be deferred and to collect an extension of credit means to induce in any way any person to make repayment thereof which plaintiff actions can be possible allegations of 18 USC 894 That Affiant 's revocation of signature constitutes a recession of signature. Thus, the contract no longer exists.XXXX XXXX of XX/XX/XXXX at XXXX. \n\nIn contract law, rescission is an equitable remedy which allows a contractual party to cancel the contract. Parties may rescind if they are the victims of a vitiating factor, such as misrepresentation, mistake, duress, or undue influence. And as shown XXXX and Westlake actions were a scheme to defraud me as show by them adding the down payment to the total sales price causing the price to increase instead of being credited to the price of the vehicle and with the misrepresentation of the transaction no reasonable person would be able to know the true price of the car based off the numbers imprinted on the contract and thru the false advertisement of a price that they did not intend to uphold in good faith. \n\nAffiant hereby revokes and makes void all signatures for cause pursuant to UCC 3-501. XXXX XXXX  of XX/XX/XXXX at XXXX. \n\nNow Affiant is formally and timely removing the aforementioned signature ( s ) for all time and removing any nexus that Westlake may presume to have over Affiant by virtue of said signature ( s ).\n\nAlso failed to disclose to me the true cost of credit which\nis causing damage to our National Economy. Every contract must h\n\nave six elements in order to be legally binding. If any one of the elements is missing, then there is no legally binding contract : 1. Offer by a person qualified to make the contract.\n\n2. Acceptance by a party qualified to make and accept the contract.\n\n3. Agreements, full disclosure, and complete understanding by both parties.\n\n4.Consideration given.\n\n5. Every contract must have the element of time to make it lawful.\n\n6. All parties must be of lawful age I would have not entered into that agreement if I knew that the XXXX  XXXX XXXX XXXX actions were in direct violation of Federal Law surrounding Consumer Credit transactions. It is a well established principle of law that fraud has no statute of limitation, and that its presence vitiates any and every contract or agreement. I demand your bank cancel our agreement and return all property and monies of my labor plus all interest I have ever paid to you for the duration of the agreement. \n\nI thank you and advance for your cooperation. \n\nFurther Affiant sayeth not","date_sent_to_company":"2022-07-02T05:40:51.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"75043","tags":null,"has_narrative":true,"complaint_id":"5728635","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Westlake Services, LLC","date_received":"2022-07-02T05:11:47.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Fraudulent loan"},"highlight":{"complaint_what_happened":["Because the activities in this transaction involving the parties listed above, as well as the actions taken by \" XXXX '' and \" Westlake, '' constitute bank fraud because they include <em>credits</em>, <em>securities</em>, and assets, according to 18 U.S."]},"sort":[5.4056225,"5728635"]},{"_index":"complaint-public-v1","_id":"5158337","_score":4.628059,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"As per the conclusion of my investigation thus far, it has been determined that XXXX along with other financial institutions previously mentioned in my initial complaint ; have failed to provide any adequate answer as to why they deemed me ineligible to become a member of their financial institution. Ultimately denying me any deposit account services. XXXX, BB & T, SUNTRUST, XXXX XXXX, and others has responded to me, vehemently denying supporting or endorsing any form of discrimination ; but making no effort to resolve my issue. Merely going through the motions by following their process and standard company protocol. Where as I would have to assume based on the fact that each financial institution 's letters, although written or prepared all independently of each other ; all share some of the very same unique characteristics. Essentially, they all begin and end with the same generic and standardized apologetic statement. Also, all in which say the same thing. Which is, that it is not their culture to embrace any form of discrimination. As stated, this response is not adequate, in as any Company, Financial institution, Organization, or individual, could easily provide a letter to their customer, client, or account holder stating that it is not their culture to embrace, or tolerate discrimination ; to any degree. A Company simply following procedure, and referring to it's bylaws on how to provide a standardized, and scripted response to a customer or client takes almost little to no effort at all. Especially for Companies and Financial institutions like those named in my complaint, who are held to a much higher standard [ ] and that are endowed with tremendous influence. Such said Financial institutions as these, rededly provide these types of standardized responses on a daily basis ; to more than several of their customers. To me, merely submitting a scripted, and generic response to a claim to the extent of mines, with such detail ; in my opinion suggest that XXXX, and these other financial institutions genuinely have no interest in truly understanding the root of my concern. Which in part is to help me better understand why it is that I was denied the liberties of being a member of their financial institution. It would not be fair to say that while although there may be 1, or 2 financial institutions that have made a more comprehensive effort. Other 's have put forth little to no effort at all. To me, simply offering a text book, or scripted response, or no response at all ; in my opinion is not only a insult ; but also a very generic attempt to avoid confronting a deeply rooted issue. My issue is the unfair treatment of individuals that are considered different from what today 's society may consider to be outside the norm. Unfortunately this is a stigma that is practiced by a number of banks, and other corporations. XXXX has reported to me that the reason for denying me deposit account services was based solely on information provided to them by XXXX XXXX XXXX. It is my argument that the facts clearly show that a great deal of the information XXXX XXXX XXXX has collected on me was provided to them by BB & T SUNTRUST, now TRUIST. The facts also show that the information provided by BB & T-SUNTRUST , now TRUIST was not accurate. It is also my argument that not only was the information provided not accurate, but BB & T now TRUIST knowingly provided this inaccurate, and untrue information to it's privately owned third-party credit reporting agency . It is also my argument that BB & T-SUNTRUST now TRUIST has violated the FCRA rules by knowingly providing such said inaccurate information concerning me. It is also my argument, as in regards to XXXX XXXX and other 's ; that it was this inaccurate, and false information that was used in their determining of me being not eligible to become a member of their financial institution. At this time, I should ask XXXXXXXX XXXX  exactly what it's definition of \" Information '' is. I ask this question based on the fact, that according to XXXX XXXX, and other 's, it is the \" information '' provided to them by XXXX XXXX XXXX that was used in their determining me ineligible to become a deposit account member. Thus denying me any account services. It is my argument, that the facts show that within the broad spectrum of \" Information '' that is collected and used by XXXX XXXX XXXX and provided to a number of financial institutions such as XXXX, BB & T-SUNTRUST ; and other 's, is a detail compilation of my public information. Such as, military discharge status, political affiliation, background, and gender preference. It is my argument that the financial institutions named, used public information, along with the false information provided by BB & T in determining my eligibility. It is my argument, that considering the fact that I have never been charged or convicted of any of the activities that BB & T has reported to it's own third-party credit reporting agency , furthermore ; the comments and remarks that BB & T has reported concerning me have not been substantiated or proven. Yet these financial institutions have considered this inaccurate information regarding me. Inaccurate information that according to the Federal Government, it is unlawful to critic a person based on. BB & T-SUNTRUST has decided that instead of accepting the fact that their investigation into my claims and disputes were conducted with extreme pre-bias and discrimination. BB & T- SUNTRUST would rather be bias against me. Defaming both my name, and credibility. Essentially deeming me to be a unsavory customer, and individual. Instead of comprehensively analyzing the details surrounding my claims submitted to them, they have scorned me continiesly ; and mocked me. Suggesting that I caused my own identity theft, by in their words ; \" Failure to Safeguard my financial documents ''. Furthermore, TRUIST has stated that not only was I the cause of my own identity theft ; but that I also benefited from it. This assertion made by TRUIST alone is discriminating, bias, and prejudice. Suggesting that I should in no way be considered the victim, but should instead be considered the instigator. TRUIST has also suggested that if a client as myself has had any previous history with a merchant, then that client can in no way become a victim of any unauthorized transaction completed to that merchant. TRUIST has stated that it conducted a thorough investigation, with absolutely no bias. If this were true then there would have been a number of different factors that TRUIST would have unpacked and took into consideration. Not to mention that I have personal first hand knowledge of a close constituent who is of the XXXX XXXX  decent, who had strikingly similar issues as me ; but who's claims had a opposite outcome than mines did. I should also note, that this same invidual is currently still a member of TRUIST ; and has already provided a notarized statement on my behalf. This individual has also agreed to the releasing of his name and political status, in the event that court proceedings should occur. If it were in fact true that BB & T-SUNTRUST now TRUIST moved with zero bias in their investigation then at bare minimum they would have considered the fact that in today 's sophisticated society, hackers have advanced in their technology of criminal identity theft methods. Me, a XXXX yr. XXXX American, Registered Republican in the great District of Columbia , with only a highchool diploma, and a Other Than Honorable discharge from the XXXX XXXX after serving 4 yrs as a Journalist ; and has absolutely zero computer savvy knows that today 's hackers are advanced. If in fact, there was no bias, prejudice, discrimination, and pre judgement concerning me in your investigation then TRUIST would have very well considered, and knew that in today 's society many Applications such as XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, etc. Become targets for hackers, and unlawful information access ; which in turn alot of times leads to identity theft experienced by victims like me. Hackers today, have developed and designed sophisticated ways in performing unauthorized transactions with a individuals account. Again, even I realize this much. Had TRUIST not moved with bias, stigma, and prejudice then in it's investigation ; they would have discovered that it was, and has been determined that according to District of Columbia XXXX XXXX I was the victim of a Phishing scam. A internal phishing scam orchestrated by one of their own Federal Government employees. ( This information to, can be verified by the DC XXXX XXXX Department ). That both my personal and banking information was severely compromised. Furthermore, it has also been determined by XXXX that during the course of a major Cyber Security breach, that my personal, private, and financial information was accessed ; and compromised. I should also note that TRUIST was aware of the identity theft I experienced as a result of being a XXXX XXXX survivor, and fleeing from Washington DC. I physically visited BB & T branch location in XXXX Georgia on several occasions providing documentation supporting the facts just provided. In which during one visit I literally cried in the office of your authorized banker, XXXX XXXX XXXX XXXX for over a hour. Whom although I feel was genuinely concerned about my situation, and wanted to help me better resolve the issue ; after making a phone call to TRUIST corporate office was told that he could not provide any service as in regards to my dispute and claims. It would be during this same visit that I expressed to XXXX XXXX, my feelings concerning the discriminating suggestion made by TRUIST that I influenced or provoked my own cause of personal violation, and identity theft. I explained to XXXX XXXX TRUIST suggestion should be compared to, and looked at no differently than if a woman who experienced XXXX. Who was no doubt the victim of having her personal identity violated, and after making her traumatic experience known to police. Instead of being helped and her devastating experience took seriously, she is instead scorned, and mocked. Being told that she somehow played a role in her own violation. That maybe had she not worn the beautiful red dress her husband bought her, then just maybe the criminal who XXXX her wouldn't have thought that she was not only a easy target ; but also her wearing the red dress suggested to the criminal she wanted to be assulted and violated. Essentially, this is likewise the suggestion that TRUIST has made. I should add that after careful consideration of my comprehensive investigation, that it comes to no surprise that TRUIST moved with such bias. After confirming with one of it's former employees whom resigned her position after being faced with the undeniable fact that as part of TRUIST culture, employees were actually trained on how to enforce certain prejudice towards a particular set of clients. How during the phase of the TRUIST orientation process, it is emphasized to it's employees the importance of implementing certain pre judge bias. This same employee has provided a notarized written statement, as well as agreed to the releasing of her name in the event that court proceedings should occur. In conclusion, after careful consideration of the facts that have been gathered. I have no interest in becoming a member of BB & T -SUNTRUST now TRUIST, or any of the other financial institutions named in my complaint. Save XXXX XXXX, and XXXX XXXX XXXXXXXX. Whom when considering their genuinely positive attitude towards wishing to resolve my issues, and complaints. Has led me to believe that they sincerely regret a person as myself having such a experience concerning themselves, or any financial institution affiliated with their name. Instead of just saying it, XXXX XXXX ; XXXX XXXXXXXX XXXX has truly made efforts in showing that their institution does not embrace any form of discrimination as part of it's culture. Which in my opinion, should be the attitude of others in today 's diverse world. Unlike others named in my complaint, XXXX XXXX offered a more warming response letter regarding my issues. Eagerly expressing it's willingness to understand and resolve my issues, and my concern of being discrimated against. Providing a response letter that was written and customized to fit my experience. Not as other 's, who's responses were cookie cutter, one size fit all, and generic. I remain hopeful, and optimistic that I will resolve my issues with XXXX XXXX, and XXXX XXXX XXXXXXXX. Seeing that we continue to move forward in that direction. I would encourage them to reach out to me, via the email addresses provided. As in regards to XXXX, BB & T now TRUIST, XXXX XXXX, and others I am afraid that no option for resolution can be made available. Other than justifiable relief provided through the XXXX XXXX XXXX XXXX. Seeing that I have for several months, even before the submitting of my claim I attempted to resolve my issues, obviously to no prevail ; or fair treatment. Furthermore considering the fact that BB & T showed no reservation in it's boldness to provide grossly negligent information concerning me to it's own third-party credit reporting agency , XXXX XXXX XXXX Thus violating the FCRA. I have evidence that TRUIST provided this inaccurate information after the conclusion of it's bias investigation. There is also evidence supporting the fact that BB & T was also made aware of my political affiliation, background, gender preference, and race during a first time account holders class conducted by 1 it's employees. Who was a banker at their BB & T District of Columbia branch location. During this class, we were told by our class program director XXXX XXXX XXXX, that in order to graduate the program, 1 of the requirements was that a profile must be created and a checking account must be opened at a financial institution of our choosing. The only stipulation would be that the financial institution had to be one of which conducted new account holder classes at the facility. In this case, that financial institution was BB & T. Although I am not at liberty to say the name of the Non-profit organization.BB & T now TRUIST records should indicate which organization this was, in correspondence to it's District of Columbia branch location where I opened my account. It is my argument that it is this same personal Information provided, that TRUIST has on several occasions used against me in denying me equal opportunities, and fair treatment. In it's denying of my claims or disputes. In the event that you are unable to locate the name of this Non-profit organization, then if I am notified by you ; then I will gladly provide that information. In closing, at this time I have nothing further to add, considering that it is still information that must be gathered. However, I have already begun to make preparation to obtain professional counsel and begin XXXX XXXX XXXX XXXX.","date_sent_to_company":"2022-01-28T06:09:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"31906","tags":"Servicemember","has_narrative":true,"complaint_id":"5158337","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2022-01-28T00:53:40.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Furthermore, it has also been determined by XXXX that during the course of a major Cyber <em>Security</em> <em>breach</em>, that my personal, private, and financial information was accessed ; and compromised. I should also note that TRUIST was aware of the identity theft I experienced as a result of being a XXXX XXXX survivor, and fleeing from Washington DC. I physically visited BB & T branch location in XXXX Georgia on several occasions providing documentation supporting the facts just provided."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[4.628059,"5158337"]},{"_index":"complaint-public-v1","_id":"6482545","_score":3.7485151,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Consumer Financial Protection Bureau\nP.O. Box 2900\nClinton, \nIA 52733-2900 TRUIST BANK  BREACH OF DUTY OF CARE\n \t \t \t \nDear Sir/Madam of the Consumer Financial Protection Bureau,  \n\nPlease take the time to read this information pack as it will explain the reason for my complaint to the Consumer Financial Protection Bureau. \n\nOn XXXX XXXX XXXX, I fell victim to a multilayered scam operation orchestrated\nby XXXX XXXX (the Scammer) and innocently lost XXXX  USD of my hard-earned life-savings.  I advised Truist Bank of this fact on XXXX XXXX XXXX and I havent received any satisfactory response so far.\n\nTruist Bank had a duty to exercise reasonable professionalism, care, pay due to regards to the interest of their customers and follow good industry practices (GIP) to keep customers accounts safe. This includes identifying vulnerable consumers who may be particularly susceptible to scams and looking out for payments which might indicate the consumer is at risk of financial harm.   \n \nSince XXXX XXXX, I have been attempting to resolve this matter with Truist Bank, but they have failed to settle this matter satisfactorily. I have been dealing with Truist Bank in good faith and am deeply disappointed in how they have handled this matter thus far.  \n   \nI find it baffling and reprehensible that my money has been so egregiously misused in a fashion that violates their principles, which call me to defend my rights. This is poorly thought out and vaguely defined nonsense. I doubt they care however since nonsense is what renders unscrupulous businesses financially successful. \nAccordingly, I respectfully insist that Truist Bank covers all overdrafts (560,000.00 USD) on the account. This is fair and reasonable given I was given no appropriate warning about the possibility of a scam. I have been a loyal customer of Truist Bank and have never had any difficulties of this kind before.\n\nFURTHER POINTS FOR CONSIDERATION \n\nThe examples of good and bad practices around investment fraud. Good practice included but was not limited to:\n\tA bank regularly assesses the risk to itself and its customers of losses from fraud, including investment fraud, in accordance with their established risk management framework. The risk assessment does not only cover situations where the bank could cover losses, but also where customers could lose and not be reimbursed by the bank. Resource allocation and mitigation measures are informed by this assessment.\n\tA bank contacts customers if it suspects a payment is being made to an investment fraudster.\n\tA bank has transaction monitoring rules designed to detect specific types of investment fraud. Investment fraud subject matter experts help set these rules.\n\tReal-time payment screening against a well-formulated watch list; transaction monitoring rules designed to detect specific types of investment fraud\n\tBanks actively contacting customers if suspect payments are identified\n\tBanks placing material on investment fraud on its website\n\tWork to detect and prevent investment fraud from being integrated with a banks vulnerable customers initiative\n\nTaking into account the law, regulatory rules and guidance, relevant codes of practice and what should consider having been good industry practice at the time, Truist Bank should reasonably and reasonably consider:\n\tHave been monitoring accountsand any payments made or receivedto counter various risks, including anti-money-laundering, countering the financing of terrorism, and preventing fraud and scams;\n\tHave had systems in place to look out for unusual transactions or other signs that might indicate its customers were at risk of fraud (amongst other things). This is particularly so given the increase in sophisticated fraud and scams in recent years, which banks are generally more familiar with than the average customer; and\n\tIn some circumstances, irrespective of the payment channel used, have taken additional steps, or made additional checks, before processed a payment, or in some cases declined to make a payment altogether, to help protect customers from the possibility of financial harm from fraud.\n\nDespite the regulatory and statutory requirements Truist Bank shall abide by as a licensed and regulated financial institution, instead of detecting patterns, drawing certain conclusions, and taking actions accordingly, Truist Bank may have insufficiently performed some hasty and haphazard review of the transaction(s) regarding the suspicious activities, but it seems that rather than being careful, methodical, and vigilant, they took no notice of what was happening.\n\nPlease be noted that I will not in any way quietly tolerate the consequences of Truist Bank actions (or more precisely, the lack thereof). It is perfectly obvious that they could have, and should have, utilized various risk-based examination procedures and techniques, all of which are within their purview and could have entirely prevented this disastrous outcome.\nAs previously advised, they should have known, suspected, or had reason to suspect that the transactions (or pattern of transactions):\n\tinvolve funds the ultimate purpose of which was to fuel an illegal enterprise;\n\tis intended to disguise funds the ultimate purpose of which was to fuel an illegal enterprise, in an attempt to avoid and thus violate regulations;\n\tis intentionally designed to defraud your customer;\n\tserves no legitimate or lawful purpose; and\n\tinvolve the use of your services to facilitate criminal activity.\n\nThere are so many other ways in which measures related to fraud prevention and mitigation could have been useful. Further factors that should have been taken into consideration include, but are not limited to, the following:\n\tThe timing, volume, frequency, and nature of the transactions in question;\n\tThe abnormality of such transactions against the background of your experience with me as a customer and other entities associated with the transactions (if any);\n\tThe suspicious nature of such transactions based on my overall risk profile including vulnerability and identification and research of high-risk services/products;\n\tSystemic filtering mechanisms, whether manual or automatic, for the identification of unusual activities; and\n\tPeriodic evaluation of the usefulness, appropriateness and effectiveness of anti-fraud programs, and other associated policies and procedures.\n\nRelevant industry practices at the time of the victimization:\nTruist Bank is obliged to take some action if it is sufficiently aware of a real possibility that a fraud may be being perpetuated. If you don't question its customers instructions or raise the possibility of a scam with the customer in these circumstances, it may be liable if the red flags indicate the customer is:\n\tparticularly vulnerable, or\n\tif the possibility of fraud was serious or real, not just suspected.\n\nThere are some recommendations to organizations for protecting customers from financial harm that might occur as a result of fraud or financial abuse; and gives guidance on how to recognize customers who might be at risk, how to assess the potential risks to the individual and how to take the necessary actions to prevent or minimize financial harm.\nThese recommendations are established as a general principle, the organization should deliver a service that:\n\n1)\tTakes a proactive approach to minimizing risks, impact and incidences of financial harm and it sets out systems and tools for the prevention and detection of fraud and financial abuse. As a general point, it says organizations should ensure that all systems are developed using technologies and methodologies that are effective in the prevention of fraud and financial abuse, through authorized and unauthorized payments, thereby minimizing the risk of financial harm to customers. As regards to the detection of fraud and financial abuse, it says the organization:\n\nA) should have measures in place across all payment channels and products to detect suspicious transactions or activities that might indicate fraud or financial abuse. It then lists the following examples of suspicious activity on customer accounts:\na. multiple cheque books;\nb. sudden increased spending;\nc. transfers to other accounts;\nd. multiple password attempts;\ne. logins from new devices, multiple geographical locations;\nf. sudden changes to the operation of the account; Unusual transactions are transactions whose amount, characteristics and frequency bear no relation to the economic activity of the customer, exceed normal market parameters or have no apparent legal justification.\ng. a withdrawal or payment for a large amount;\nh. a payment or series of payments to a new payee;\ni. financial activity that matches a known method of fraud or financial abuse.\n\nB) organizations should have a process in place to ensure that staff make contact with the customer to verify the financial activity, challenge its authenticity, explain the nature of the suspected or detected fraud and discuss an appropriate plan of action.\n\nMy true issue with the bank is their limited understanding of the kind of recall I was requesting to raise. The most common reason for a recall is where the account holder says the transaction was not authorised; a recall can also be claimed if the goods were not received or if the cardholder paid in another way (eg., with cash).\n\nWhilst I am not denying the demand for the reason code, I am emphasizing to the bank that my case falls under a different reason code. Despite providing the bank with the required explanations of my case, Truist Bank preferred to stick with the authorisation issue which has never been raised by me which already shows the banks lack of understanding of how to treat my case.\n\nTruist Bank could have done more at the time of the payment to warn me of the risks of scams\n\tTaking steps to educate their customers about scams.\n\tTaking steps to identify higher risk payments and customers who have a higher risk of becoming a victim of scams.\n\tProviding effective warnings to customers if the bank identifies a scam risk.\n\tTaking extra steps to protect customers who might be vulnerable to scams.\n\tTalking to customers about payments and even delaying or stopping payments where there are scam concerns.\n\tActing quickly when a scam is reported to it.\n\tTaking steps to stop fraudsters from opening bank accounts.\nBanks and other Payment Services Providers (PSPs) do have a duty to protect customers against the risk of financial loss due to fraud and/or to undertake due diligence on large transactions to guard against money laundering. In broad terms, the starting position at law is that a firm is expected to process payments and withdrawals that a customer authorises it to make, in accordance with the Payment Services Regulations and the terms and conditions of the customers account.\nBut, where the consumer made the payment as a consequence of the actions of a fraudster, it may sometimes be fair and reasonable for the bank to reimburse the consumer even though they authorised the payment.  \nI think Truist Bank shouldve had enough knowledge of this type of scam at the time. Truist Bank could have protected me from this; unlike me, the bank knows about the existence of such scams and how you prey on vulnerable victims like myself, taking advantage of lack of knowledge, awareness, and circumstance. Despite the irregularities in my spending and such untypical patterns, not a single contact was made me question what I was doing. The treatment from Truist Bank is compounded by trauma and anxiety and has left me in the awful situation I now find myself in.\nAlthough it was not Truist Bank that scammed me, they had many obligations to protect my Financial Interest - which they did not uphold if you take a quick look at the bank statements you will realise how the transactions were absolutely out of the usual pattern, there was suddenly increased spending, payments for considerably large amounts, series of payments to a new payee and of course financial activity that matched a known method of fraud or financial abuse.\nAll of the above points were not considered by Truist Bank when I was victimised, and no actions were taken to prevent that victimisation. Of course, I appreciate that they might want to act in good faith and uphold my requests to transfer these payments but the code sets out that organisations should have a process in place, to ensure that (i) staff make contact with the customer to verify the financial activity, (ii) challenge its authenticity, (iii) explain the nature of the suspected or detected fraud and (iv) discuss an appropriate plan of action. \n \nTo further simplify the situation with respect to the nature of the transactions, there are circumstances, irrespective of the payment channel used, where a bank should take additional steps, or make additional checks, before processing a payment, or in some cases decline to make a payment altogether, to help protect customers from the possibility of financial harm. This is particularly so in light of the environment created by the increase in sophisticated fraud and scams in recent years - which banks are generally more familiar with than the average customer.\n \nKindly take into account that this case against Truist Bank is not primarily about the scam that happened. My main issue with Truist Bank is its unwillingness to raise a recall under the relevant reason code. It is obvious that they did not take any of my reasonings into account and blatantly focused on the authorisation argument that does not match my case and the issue of whether the transactions were fraudulent according to what is written on the paper. \n\nAnti-Money Laundering Requirements for Financial Institutions and Other Designated Businesses \n\n3.1 What financial institutions and other businesses are subject to anti-money laundering requirements? Describe which professional activities are subject to such requirements and the obligations of the financial institutions and other businesses. The following are subject to the requirement to maintain risk-based AML Programs: \n\n\tBanks, including savings associations, trust companies, credit unions, branches and subsidiaries of foreign banks in the United States, and Edge corporations.\n\tBroker-dealers in securities.\n\tMutual funds. Futures Commission Merchants and Introducing Brokers in Commodities. Money Services Businesses 3.4 What are the requirements for recordkeeping or reporting large currency transactions? When must reports be filed and at what thresholds?\n\nCurrency Transaction Reporting\n\nFinancial institutions (defined as financial institutions under the BSA regulations) must file CTRs with FinCEN on all transactions in (physical) currency in excess of XXXX  (or the foreign equivalent) conducted by, though, or to the financial institution, by or on behalf of the same person, on the same day. 31C.F.R.  1010.310315.\nIt is prohibited to structure transactions to cause a financial institution not to file a CTR or to file an inaccurate CTR by breaking down transactions into smaller amounts at one or more financial institutions over one or more days. 31 C.F.R.  1010.314.\n\nCustomer Due Diligence\nPursuant to regulatory requirements, which became effective May 11, 2018, as part of their AML Programs, certain financial institutions (banks, broker-dealers, mutual funds, FCMs and IB-Cs) must implement formal risk-based CDD programs that include certain minimum elements, including customer identification and verification (under a Customer Identification Program), obtaining information about the nature and purpose of a customers account, ongoing monitoring of customer accounts, obtaining beneficial ownership information at a 25% threshold\nfor legal entity customers and identifying a control person for legal entity customers (with certain exceptions).\n\nThere also is a specific BSA requirement to maintain CDD programs for non-U.S. persons private banking accounts and foreign correspondent accounts. The same covered financial institutions as for CDD programs (banks, broker-dealers, mutual funds, FCMs and IB-Cs) must maintain a CDD program for non-U.S. private banking accounts established on behalf of, or for the benefit of, a non-U.S. person and foreign correspondent customers and an enhanced due diligence (EDD) program for those relationships posing a higher risk. These programs must be designed to detect and report suspicious activity with certain minimum standards. These requirements are based on Section 312 of the PATRIOT Act and are often referred to as Section 312 requirements. 31 C.F.R.  1010.610 (due diligence for foreign correspondent accounts), 1010.620 (due diligence for private banking for non-U.S. persons).\n3.9 What is the criteria for reporting suspicious activity?\n\nFinancial institutions and other businesses subject to the AML Program requirement (except Check Cashers, Operators of Credit Card Systems, and Dealers in Precious Metals, Precious Stones, or Jewels) are required to file SARs with FinCEN under the BSA (and for banks, under parallel requirements of their federal functional regulators). SARs are required where the filer knows, suspects, or has reason to suspect a transaction conducted or attempted by, at\nor through the financial institution: \n\n\tinvolves money laundering;\n\tis designed to evade any BSA regulation or requirement;\n\thas no business or apparent lawful purpose or is not the sort in which a particular customer would engage; or \n\tinvolves the use of the financial institution to facilitate criminal activity or involves any known or suspected violation of federal criminal law. \n\tSee, e.g., 31 C.F.R.  1023.320(c) (SAR requirements for broker-dealers). Generally, the reporting threshold is XXXX or more. For banks, if the suspect is unknown, it is XXXX or more. For MSBs, generally, it is XXXX or more.\n\nIn XXXX XXXX the office of the Senator XXXX XXXX  issued a report called: Facilitating Fraud: How Consumers Defrauded on XXXX are Left High and Dry by the Banks that Created It. These are some of the most important statements mentioned in the report:\nIn XXXX XXXX, Senator XXXX opened an investigation to determine the extent of fraudulent activity on XXXX, and to understand how the company and the banks that own and operate it make consumers whole when they are defrauded on the platform. Senators XXXX XXXX XXXX XXXX  wrote to XXXX seeking information about the frequency of scams and fraud and the companys policies on redressing consumers who have been defrauded. \nThe information provided by XXXX revealed that an estimated XXXX XXXX was lost by XXXX users through frauds and scams in 2021, but that the banks that participate in the network appear not to have provided sufficient recourse to their customers. In particular, XXXX response indicated that XXXX  facilitates fraudulent activity of many kinds That includes activity in which a users account is accessed by a bad actor and used to transfer a payment  often called unauthorized transactions  and activity in which a user is fraudulently induced into transferring a payment to a bad actor  often referred to by XXXX and XXXX-participant banks as authorized transactions.\nSenators XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX then sent letters to the seven big banks that own and operate XXXX parent company to determine the extent of the problems with illegal and fraudulent activity, and to determine how banks were helping consumers who lost money on the platform.\nAt nearly every turn, most of the big banks have stonewalled, refusing to provide the information requested by members of Congress. However, Senators XXXX XXXX XXXX finally obtained commitments from several of the banks CEOs that they would provide the information on XXXX to Congress during a Committee on Banking, Housing, and Urban Affairs hearing on XXXX XXXX XXXX\nOverall, the three banks that provided complete data sets  XXXX XXXX XXXX XXXX, and Truist  reported 35,848 cases of scams, involving over XXXX  million of payments in XXXX  and the first half of XXXX. In the vast majority of these cases, the banks did not repay the customers that reported being scammed. Overall these three banks reported repaying customers in only 3,473 cases (representing nearly 10% of scam claims) and repaid only XXXX XXXX  (representing 11.2% of payments).\nThe findings of this report reveal that fraud and theft on XXXX are widespread and growing, with consumers losing XXXX  each year. The banks that own and profit from the platform are failing to make their customers whole for both authorized and unauthorized fraudulent transactions, while refusing to release information publicly or to their customers that could help keep all consumers safe. Given this uncertain landscape and the banks abdication of responsibility, regulatory clarity is needed to further protect XXXX  users.\nThe CFPB has regulatory authority over peer-to-peer platforms including XXXX, and is reportedly considering issuing guidance to push banks to cover more fraudulently induced transactions, a move that would greatly improve consumer protections on peer-to-peer platforms like XXXX The agency should act to clarify and strengthen Regulation E and include fraud in the Regulations error resolution purview, increasing the responsibility of banks to keep XXXX safe and to ensure that consumers will be protected. The banks that created and profit off of XXXX should be pushed to protect their consumers from bad actors on their platform, and regulators should step in to ensure a fair and consistent process for everyone.\nFrom the report issued by the office of Senator XXXX XXXX, it is clear that the banks dont treat scam victims fairly, only 10% of scam victims get a compensation from the bank, while others just left suffering. Even more, banks keep getting their profit, while more and more people keep being scammed, hacked, simply saying, losing their hard-earned funds.\nAs it is mentioned in the report, such organizations as CFPB should issue a guidance in which it will be written how step-by step, financial institutions need to check each and every transaction that looks suspicious, especially those which are sent to a new payee (e.g., cryptocurrency platforms). In case if the financial institution doesnt follow these rules and their customer is scammed, it shouldnt be blamed only as a victims guilt. Financial institutions need to take their responsibility as well and provide their customer with a decent compensation.\n\nDesired outcome: Truist Bank has to put things into the right perspective for me by reversing the total amount of XXXX  USD paid to scammers as I have suffered a great loss because of this fraud, it had affected me personally, emotionally and financially. \n\n\nYours sincerely, \n\nXXXX XXXX","date_sent_to_company":"2023-01-24T12:46:36.000Z","issue":"Fraud or scam","sub_product":"International money transfer","zip_code":"20852","tags":null,"has_narrative":true,"complaint_id":"6482545","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2023-01-24T12:41:22.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Box 2900\nClinton, \nIA 52733-2900 TRUIST BANK  <em>BREACH</em> OF DUTY OF CARE\n \t \t \t \nDear Sir/Madam of the Consumer Financial Protection Bureau,  \n\nPlease take the time to read this information pack as it will explain the reason for my complaint to the Consumer Financial Protection Bureau. \n\nOn XXXX XXXX XXXX, I fell <em>victim</em> to a multilayered scam operation orchestrated\nby XXXX XXXX (the Scammer) and innocently lost XXXX  USD of my hard-earned life-savings."]},"sort":[3.7485151,"6482545"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":25,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":25}]}},"product":{"doc_count":25,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":11,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit 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