{"took":213,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":29,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6024672","_score":16.812479,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Compliant about : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Mail Inquiries To : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Customer Service XXXX XXXX Late payment for the month of XX/XX/2022. \n\nI have made several complaints to XXXXXXXX XXXX XXXXXXXX in regards to my ONE AND ONLY late payment which was reflected on the month of XX/XX/2022. When I first contacted XXXX XXXX  in regards to this late payment, I was told that the late payment would no longer be reflected on my 3 credit reports any longer. Months have passed, and no changes had been made. So recently a couple days ago on XX/XX/2022 at XXXX, with a conversation lasting 25 minutes from the beginning of the phone call ( as stated on XXXX ). I was told that according to consumer reporting policies, they would not be able to dispute and remove the late payment at all, and under any circumstances. I mentioned the fact that I have disputed with other more REPUTABLE XXXX XXXX XXXX in the past that hold much more leverage in the financial markets for consumer credit and those more reputable financial institutions have indeed been able to remove past late payments due to the exact same reason I am disputing this late payment. \n\nIn XX/XX/2022, I was late on my XXXX payment solely due to the fact that I was infected with XXXX ( XXXX  XXXX ) which is considered a part of a natural disaster under the CARES Act, approved by Congress, Senate and the President of the United States. \n\nAs stated on the Consumer Financial Protection Bureau website : The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act has forbearance and credit reporting requirements that may apply to your situation.\n\nAs with other natural disasters and emergencies, your creditors or lenders may be willingand in some case are requiredto provide forbearance, loan extensions, a reduction in interest rates, and/or other flexibilities for repayment. Some lenders are also saying they will not report late payments to credit reporting agencies or are waiving late fees for borrowers due to this pandemic. Under the CARES Act, in certain situations, lenders are required to report your accounts as current. \n\nYou can reach out to your lender or creditor and find out what options or programs are available. These programs are sometimes called \" hardship '' or \" relief programs. '' These programs may allow you to enter into an agreement to : Defer or pause one or more payments Make a partial payment Forbear ( temporarily stop paying ) any delinquent amounts Modify a loan or contract Receive a suspension for federal student loan payments Other assistance or relief The CARES Act calls these agreements accommodations. \n\nI feel as if XXXXXXXX XXXX XXXXXXXX is not only avoiding my complaint as negligent, but also as discriminatory towards the fact that this is a well known global epidemic that is still continuing to this very day. This is the ONLY LATE PAYMENT Ive had with this trade line or any other trade line on my credit reports, because this account does not have automatic bill pay and every time Ive used my main XXXX  account, it does not allow me to use it. I did not have the energy, the focus and the ability to make a payment due to being affected by XXXX and I feel like its more important for everyone to be aware that a SECURED CREDIT CARD THAT ISNT EVEN A REAL CREDIT CARD BECAUSE THEY USE THE CONSUMERS MONEY AGAINST THE CONSUMER FOR CREDIT REPORTING SERVICES TO BUILD A CONSUMERS CREDIT REPORT IS DISCRIMINATORY TOWARDS THOSE IMPACTED BY THE XXXX XXXX. \n\nThis is irresponsible, against federal laws enacted by both the legislature and executive branches of the United States, is a virus recognized by the : XXXX ( XXXX XXXX ), WHO ( World Health Organization ), XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX  XXXX ), US Federal Reserve, USA ( United States of America ), XXXX XXXX XXXX XXXX ) and pretty much every nation, agency, consumer providing company, corporation, lender, financial institution across the world. \n\nI demand an immediate reversal of this trend and behavior with XXXX XXXX  XXXX XXXX on all three major credit reporting agencies : XXXX TransUnion XXXX And other agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX XXXX  Preferred not only in regards to my specific account, but with anyones complaints in regards to those impacted by XXXX who were unable to make financial obligations while impacted by XXXX XXXX XXXX which takes more precedence for life and health, before a payment made to a secured credit card payment where they use the consumers money against the consumers credit report. \n\nThey are violating the CARES Act and should be investigated and reasonably penalized by the Federal Government for making such adjustments not possible under Federal Law.","date_sent_to_company":"2022-09-27T20:30:14.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"80134","tags":null,"has_narrative":true,"complaint_id":"6024672","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-09-27T20:30:07.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["They are violating the <em>CARES</em> Act and should be investigated and reasonably penalized by the Federal Government for making such adjustments not <em>possible</em> under Federal Law."]},"sort":[16.812479,"6024672"]},{"_index":"complaint-public-v1","_id":"6024671","_score":16.812479,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Compliant about : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Mail Inquiries To : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Customer Service XXXX XXXX Late payment for the month of XX/XX/2022. \n\nI have made several complaints to XXXXXXXX XXXX XXXXXXXX in regards to my XXXX AND ONLY late payment which was reflected on the month of XX/XX/2022. When I first contacted XXXX Bank in regards to this late payment, I was told that the late payment would no longer be reflected on my 3 credit reports any longer. Months have passed, and no changes had been made. So recently a couple days ago on XX/XX/2022 at XXXX, with a conversation lasting 25 minutes from the beginning of the phone call ( as stated on XXXX ). I was told that according to consumer reporting policies, they would not be able to dispute and remove the late payment at all, and under any circumstances. I mentioned the fact that I have disputed with other more REPUTABLE consumer financial services in the past that hold much more leverage in the financial markets for consumer credit and those more reputable financial institutions have indeed been able to remove past late payments due to the exact same reason I am disputing this late payment. \n\nIn XX/XX/2022, I was late on my XXXX payment solely due to the fact that I was infected with XXXXXXXX XXXX XXXX  XXXX ) which is considered a part of a natural disaster under the CARES Act, approved by XXXX, XXXX and the President of the United States.\n\nAs stated on the Consumer Financial Protection Bureau website : The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act has forbearance and credit reporting requirements that may apply to your situation.\n\nAs with other natural disasters and emergencies, your creditors or lenders may be willingand in some case are requiredto provide forbearance, loan extensions, a reduction in interest rates, and/or other flexibilities for repayment. Some lenders are also saying they will not report late payments to credit reporting agencies or are waiving late fees for borrowers due to this pandemic. Under the CARES Act, in certain situations, lenders are required to report your accounts as current. \n\nYou can reach out to your lender or creditor and find out what options or programs are available. These programs are sometimes called \" hardship '' or \" relief programs. '' These programs may allow you to enter into an agreement to : Defer or pause one or more payments Make a partial payment Forbear ( temporarily stop paying ) any delinquent amounts Modify a loan or contract Receive a suspension for federal student loan payments Other assistance or relief The CARES Act calls these agreements accommodations. \n\nI feel as if XXXXXXXX XXXX XXXXXXXX is not only avoiding my complaint as negligent, but also as discriminatory towards the fact that this is a well known global epidemic that is still continuing to this very day. This is the ONLY LATE PAYMENT Ive had with this trade line or any other trade line on my credit reports, because this account does not have automatic bill pay and every time Ive used my main XXXX  account, it does not allow me to use it. I did not have the energy, the focus and the ability to make a payment due to being affected by XXXX and I feel like its more important for everyone to be aware that a SECURED CREDIT CARD THAT ISNT EVEN A REAL CREDIT CARD BECAUSE THEY USE THE CONSUMERS MONEY AGAINST THE CONSUMER FOR CREDIT REPORTING SERVICES TO BUILD A CONSUMERS CREDIT REPORT IS DISCRIMINATORY TOWARDS THOSE IMPACTED BY THE XXXXXXXX XXXX \n\nThis is irresponsible, against federal laws enacted by both the legislature and executive branches of the United States, is a virus recognized by the : XXXX ( XXXX XXXX )XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXXXXXX XXXX XXXXXXXX ), US Federal Reserve, USA ( United States of America ), XXXX XXXX XXXX XXXX ) and pretty much every nation, agency, consumer providing company, corporation, lender, financial institution across the world. \n\nI demand an immediate reversal of this trend and behavior with XXXXXXXX XXXX XXXX XXXX on all three major credit reporting agencies : XXXX XXXX Equifax And other agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX  XXXX Preferred not only in regards to my specific account, but with anyones complaints in regards to those impacted by XXXX who were unable to make financial obligations while impacted by THE DEADLY virus which takes more precedence for life and health, before a payment made to a secured credit card payment where they use the consumers money against the consumers credit report. \n\nThey are violating the CARES Act and should be investigated and reasonably penalized by the Federal Government for making such adjustments not possible under Federal Law.","date_sent_to_company":"2022-09-27T20:30:14.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"80134","tags":null,"has_narrative":true,"complaint_id":"6024671","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-09-27T20:30:07.000Z","state":"CO","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["They are violating the <em>CARES</em> Act and should be investigated and reasonably penalized by the Federal Government for making such adjustments not <em>possible</em> under Federal Law."]},"sort":[16.812479,"6024671"]},{"_index":"complaint-public-v1","_id":"6024662","_score":16.812479,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Compliant about : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Mail Inquiries To : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Customer Service XXXX XXXX Late payment for the month of XX/XX/2022. \n\nI have made several complaints to XXXXXXXX XXXX XXXXXXXX in regards to my ONE AND ONLY late payment which was reflected on the month of XX/XX/2022. When I first contacted XXXX Bank in regards to this late payment, I was told that the late payment would no longer be reflected on my 3 credit reports any longer. Months have passed, and no changes had been made. So recently a couple days ago on XX/XX/2022 at XXXX, with a conversation lasting 25 minutes from the beginning of the phone call ( as stated on XXXX ). I was told that according to consumer reporting policies, they would not be able to dispute and remove the late payment at all, and under any circumstances. I mentioned the fact that I have disputed with other more REPUTABLE consumer financial services in the past that hold much more leverage in the financial markets for consumer credit and those more reputable financial institutions have indeed been able to remove past late payments due to the exact same reason I am disputing this late payment. \n\nIn XX/XX/2022, I was late on my XXXX payment solely due to the fact that I was infected with XXXX ( XXXX  XXXX ) which is considered a part of a natural disaster under the CARES Act, approved by Congress, Senate and the President of the United States. \n\nAs stated on the Consumer Financial Protection Bureau website : The XXXX Aid, Relief, and Economic Security ( CARES ) Act has forbearance and credit reporting requirements that may apply to your situation.\n\nAs with other natural disasters and emergencies, your creditors or lenders may be willingand in some case are requiredto provide forbearance, loan extensions, a reduction in interest rates, and/or other flexibilities for repayment. Some lenders are also saying they will not report late payments to credit reporting agencies or are waiving late fees for borrowers due to this pandemic. Under the CARES Act, in certain situations, lenders are required to report your accounts as current.\n\nYou can reach out to your lender or creditor and find out what options or programs are available. These programs are sometimes called \" hardship '' or \" relief programs. '' These programs may allow you to enter into an agreement to : Defer or pause one or more payments Make a partial payment Forbear ( temporarily stop paying ) any delinquent amounts Modify a loan or contract Receive a suspension for federal student loan payments Other assistance or relief The CARES Act calls these agreements accommodations. \n\nI feel as if XXXXXXXX XXXX XXXXXXXX is not only avoiding my complaint as negligent, but also as discriminatory towards the fact that this is a well known global epidemic that is still continuing to this very day. This is the ONLY LATE PAYMENT Ive had with this trade line or any other trade line on my credit reports, because this account does not have automatic bill pay and every time Ive used my main XXXX  account, it does not allow me to use it. I did not have the energy, the focus and the ability to make a payment due to being affected by XXXX and I feel like its more important for everyone to be aware that a SECURED CREDIT CARD THAT ISNT EVEN A REAL CREDIT CARD BECAUSE THEY USE THE CONSUMERS MONEY AGAINST THE CONSUMER FOR CREDIT REPORTING SERVICES TO BUILD A CONSUMERS CREDIT REPORT IS DISCRIMINATORY TOWARDS THOSE IMPACTED BY THE XXXXXXXX XXXX \n\nThis is irresponsible, against federal laws enacted by both the legislature and XXXX branches of the United States, is a virus recognized by the : XXXX ( XXXX XXXX ), WHO XXXX XXXX XXXX XXXX ), XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX Bank XXXX ), US Federal Reserve, USA ( United States of America ), XXXX XXXX XXXX XXXX ) and pretty much every nation, agency, consumer providing company, corporation, lender, financial institution across the world. \n\nI demand an immediate reversal of this trend and behavior with XXXX XXXX XXXX XXXX on all three major credit reporting agencies : Experian XXXX XXXX And other agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX VIP Preferred not only in regards to my specific account, but with anyones complaints in regards to those impacted by COVID-19 who were unable to make financial obligations while impacted by THE DEADLY virus which takes more precedence for life and health, before a payment made to a secured credit card payment where they use the consumers money against the consumers credit report. \n\nThey are violating the CARES Act and should be investigated and reasonably penalized by the Federal Government for making such adjustments not possible under Federal Law.","date_sent_to_company":"2022-09-27T20:30:14.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"80134","tags":null,"has_narrative":true,"complaint_id":"6024662","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-09-27T20:30:07.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["They are violating the <em>CARES</em> Act and should be investigated and reasonably penalized by the Federal Government for making such adjustments not <em>possible</em> under Federal Law."]},"sort":[16.812479,"6024662"]},{"_index":"complaint-public-v1","_id":"13664068","_score":16.567293,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal complaint against Experian, Equifax, and TransUnion for their continued reporting of multiple late payments on my credit reports, despite those payments being made during the time I was impacted by the COVID-19 pandemic and believed to be covered by protections under the CARES Act. \n\nThese late payments were associated with my XXXX  XXXX account, and I initiated disputes with all three credit bureaus, explaining that I was affected by the pandemic and had sought or believed I was under a payment accommodation, as outlined by the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, enacted on XX/XX/year>. Despite my dispute and explanation, the late payments remain on my reports. \n\nViolations of Consumer Protection Laws : XXXX. Failure to Accurately Report Accommodation-Protected Accounts ( FCRA as Amended by CARES Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ) Under Section 4021 of the CARES Act, furnishers of credit information ( like XXXX XXXXXXXX ) are required to report accounts as current if a consumer was current at the time an accommodation was made due to COVID-19, and the consumer met the terms of the accommodation. \n\nBy continuing to report these accounts as late, and by failing to correct the records after my dispute, the credit bureaus are violating their responsibility under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, which requires that credit reporting agencies maintain maximum possible accuracy of consumer reports. \n\nXXXX. Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ) I formally disputed these late payments with all three credit bureaus. Under 15 U.S.C. 1681i, credit bureaus are required to conduct a reasonable reinvestigation of any disputed item and delete or correct information that can not be verified or is found to be inaccurate. \n\nIn this case, my disputes were either ignored, summarily \" verified '' without explanation, or responded to with generic letters. No evidence was provided to demonstrate that a proper reinvestigation took place, and the bureaus failed to remove the damaging information. \n\nXXXX. Failure to Provide the Method of Verification ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) Under the FCRA, if a bureau concludes a dispute by stating that an account was \" verified as accurate, '' they are required to provide the method of verification upon request. I have not received any such explanation, and no documentation has been provided proving that these late payments were accurately reported during a federally protected accommodation period. \n\n\nThe reporting of these late payments, despite the context of the pandemic and the protections of the CARES Act, has caused : Harm to my credit score Denial of credit and higher interest rates Emotional distress Unfair barriers to financial recovery post-COVID I submitted these disputes in good faith and provided notice of the circumstances, but the credit bureaus have failed to correct or investigate the information in accordance with the law.","date_sent_to_company":"2025-05-22T05:16:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"63031","tags":null,"has_narrative":true,"complaint_id":"13664068","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-22T05:02:36.000Z","state":"MO","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am submitting this formal complaint against Experian, Equifax, and TransUnion for their continued reporting of multiple late payments on my credit reports, despite <em>those</em> payments being <em>made</em> during the time I was <em>impacted</em> by the COVID-19 pandemic and believed to be covered by protections under the <em>CARES</em> Act."]},"sort":[16.567293,"13664068"]},{"_index":"complaint-public-v1","_id":"13671217","_score":16.540237,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal complaint against Experian, Equifax, and TransUnion for their continued reporting of multiple late payments on my credit reports, despite those payments being made during the time I was impacted by the COVID-19 pandemic and believed to be covered by protections under the CARES Act. \n\nThese late payments were associated with my XXXX  XXXX account, and I initiated disputes with all three credit bureaus, explaining that I was affected by the pandemic and had sought or believed I was under a payment accommodation, as outlined by the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, enacted on XX/XX/year>. Despite my dispute and explanation, the late payments remain on my reports. \n\nViolations of Consumer Protection Laws : XXXX. Failure to Accurately Report Accommodation-Protected Accounts ( FCRA as Amended by CARES Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ) Under Section 4021 of the CARES Act, furnishers of credit information ( like XXXX XXXXXXXX ) are required to report accounts as current if a consumer was current at the time an accommodation was made due to COVID-19, and the consumer met the terms of the accommodation. \n\nBy continuing to report these accounts as late, and by failing to correct the records after my dispute, the credit bureaus are violating their responsibility under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, which requires that credit reporting agencies maintain maximum possible accuracy of consumer reports. \n\nXXXX. Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ) I formally disputed these late payments with all three credit bureaus. Under 15 U.S.C. 1681i, credit bureaus are required to conduct a reasonable reinvestigation of any disputed item and delete or correct information that can not be verified or is found to be inaccurate. \n\nIn this case, my disputes were either ignored, summarily \" verified '' without explanation, or responded to with generic letters. No evidence was provided to demonstrate that a proper reinvestigation took place, and the bureaus failed to remove the damaging information. \n\nXXXX. Failure to Provide the Method of Verification ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) Under the FCRA, if a bureau concludes a dispute by stating that an account was \" verified as accurate, '' they are required to provide the method of verification upon request. I have not received any such explanation, and no documentation has been provided proving that these late payments were accurately reported during a federally protected accommodation period. \n\n\nThe reporting of these late payments, despite the context of the pandemic and the protections of the CARES Act, has caused : Harm to my credit score Denial of credit and higher interest rates Emotional distress Unfair barriers to financial recovery post-COVID I submitted these disputes in good faith and provided notice of the circumstances, but the credit bureaus have failed to correct or investigate the information in accordance with the law.","date_sent_to_company":"2025-05-22T05:16:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"63031","tags":null,"has_narrative":true,"complaint_id":"13671217","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-22T05:16:21.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am submitting this formal complaint against Experian, Equifax, and TransUnion for their continued reporting of multiple late payments on my credit reports, despite <em>those</em> payments being <em>made</em> during the time I was <em>impacted</em> by the COVID-19 pandemic and believed to be covered by protections under the <em>CARES</em> Act."]},"sort":[16.540237,"13671217"]},{"_index":"complaint-public-v1","_id":"13660166","_score":16.539268,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal complaint against Experian, Equifax, and TransUnion for their continued reporting of multiple late payments on my credit reports, despite those payments being made during the time I was impacted by the COVID-19 pandemic and believed to be covered by protections under the CARES Act. \n\nThese late payments were associated with my XXXX  XXXX account, and I initiated disputes with all three credit bureaus, explaining that I was affected by the pandemic and had sought or believed I was under a payment accommodation, as outlined by the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, enacted on XX/XX/year>. Despite my dispute and explanation, the late payments remain on my reports. \n\nViolations of Consumer Protection Laws : XXXX. Failure to Accurately Report Accommodation-Protected Accounts ( FCRA as Amended by CARES Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ) Under Section 4021 of the CARES Act, furnishers of credit information ( like XXXX XXXXXXXX ) are required to report accounts as current if a consumer was current at the time an accommodation was made due to COVID-19, and the consumer met the terms of the accommodation. \n\nBy continuing to report these accounts as late, and by failing to correct the records after my dispute, the credit bureaus are violating their responsibility under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, which requires that credit reporting agencies maintain maximum possible accuracy of consumer reports. \n\nXXXX. Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ) I formally disputed these late payments with all three credit bureaus. Under 15 U.S.C. 1681i, credit bureaus are required to conduct a reasonable reinvestigation of any disputed item and delete or correct information that can not be verified or is found to be inaccurate. \n\nIn this case, my disputes were either ignored, summarily \" verified '' without explanation, or responded to with generic letters. No evidence was provided to demonstrate that a proper reinvestigation took place, and the bureaus failed to remove the damaging information. \n\nXXXX. Failure to Provide the Method of Verification ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) Under the FCRA, if a bureau concludes a dispute by stating that an account was \" verified as accurate, '' they are required to provide the method of verification upon request. I have not received any such explanation, and no documentation has been provided proving that these late payments were accurately reported during a federally protected accommodation period. \n\n\nThe reporting of these late payments, despite the context of the pandemic and the protections of the CARES Act, has caused : Harm to my credit score Denial of credit and higher interest rates Emotional distress Unfair barriers to financial recovery post-COVID I submitted these disputes in good faith and provided notice of the circumstances, but the credit bureaus have failed to correct or investigate the information in accordance with the law.","date_sent_to_company":"2025-05-22T05:16:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"63031","tags":null,"has_narrative":true,"complaint_id":"13660166","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-22T05:16:21.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am submitting this formal complaint against Experian, Equifax, and TransUnion for their continued reporting of multiple late payments on my credit reports, despite <em>those</em> payments being <em>made</em> during the time I was <em>impacted</em> by the COVID-19 pandemic and believed to be covered by protections under the <em>CARES</em> Act."]},"sort":[16.539268,"13660166"]},{"_index":"complaint-public-v1","_id":"6383093","_score":13.658765,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On XX/XX/XXXX I purchased a vehicle from an online platform ( i.e., XXXX ), which was easy, convenient, and fast. I also obtained funding for the loan to purchase ( i.e., Bridgecrest ) through the same platform. All of that was perfect. \n\nWhat I and the world did not anticipate at the time of the purchase, was the advent of the XXXX XXXX pandemic. A month after my purchase, the world literally closed due to the pandemic. Huge financial strains emerged due to the lockdowns and loss of income streams. My lender ( i.e., Bridgecrest ), would call almost 3 times a week seeking car payments that I had fallen back on. It was massive stress and a mental drain every day. I was never offered or informed of the options for relief and at some point, my vehicle was repossessed the night I caught up on the payments. Even though I had caught up on the payments that night before the repossession, my vehicle was still repossessed, and was told to pay a repossession fee to get it back, which I did. The repossession fee again drove me back on my payments. Increasingly being called sometimes as late as XXXX XXXX  in the night by Bridgecrest asking for a payment. It was so much harassment that I stopped answering. \n\nToday, I know that in response to the ongoing pandemic, the Coronavirus Aid, Relief and Economic Security ( CARES ) Act would have made it possible for those impacted to receive certain payment accommodations, such as account forbearance or deferment, which I was never told or offered even when I asked. For example, because I was facing hardship due to the pandemic, I had the right to request a forbearance for up to 180 days, with the option to extend it another 180 days. I now know, after personal education on the law that while some other CARES Act provisions have expired, or will soon, I still have options available. \n\nYes, I caught up on my payments again this past XXXX. Surprisingly, the day I caught up, is the day Bridgecrest offered me a 3-month deferment on my loan. That is ridiculous! My car was illegally repossessed because I had made my payments current and they charged me. Then after catching up on my payments, they kept reporting my balance as not current. Today as I write this complaint, my car loan is not current with major credit bureaus even if all my payments are. They are financially struggling my chances to succeed by accumulating unfair late payments on my record. \n\nLastly, this week on Thursday morning ( i.e., XX/XX/XXXX ), I received a scare from Bridgecrest. Between XXXX XXXX  and XXXX XXXX, all the debit cards I have ever used for my car payments ( i.e., even the ones I had deleted a year or two, ago, were charged different unauthorized amounts 17 times. I called Bridgecrest to ask why someone was charging my cards so many unauthorized amounts so many times and didn't get an explanation or assurance of resolution. Neither did I get an apology. \n\nI have now canceled all my debit cards and ordered new ones. The pain of getting through the end of the year waiting on new cards and having to worry about what just happened is wrong. It is against the law and I know that I'm unfairly being treated by Bridgecrest. I need help from someone with a voice on this.","date_sent_to_company":"2022-12-31T19:28:39.000Z","issue":"Incorrect information on your report","sub_product":"Loan","zip_code":"60638","tags":null,"has_narrative":true,"complaint_id":"6383093","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bridgecrest Acceptance Corporation","date_received":"2022-12-31T18:11:28.000Z","state":"IL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Today, I know that in response to the ongoing pandemic, the Coronavirus Aid, Relief and Economic <em>Security</em> ( <em>CARES</em> ) Act would <em>have</em> <em>made</em> it <em>possible</em> for <em>those</em> <em>impacted</em> to receive certain payment accommodations, such as account forbearance or deferment, which I was never told or offered even when I asked. For example, because I was facing hardship due to the pandemic, I had the right to request a forbearance for up to 180 days, with the option to extend it another 180 days."]},"sort":[13.658765,"6383093"]},{"_index":"complaint-public-v1","_id":"12878320","_score":11.753056,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"3RD REQUEST Re : Dispute of Violations of the CARES Act Full Name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Legal Department , This credit dispute is being submitted as a notification to creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed are either in violation of the CARES Act or do not belong to me. Policy states... \n\nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V considering the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. The President signed the Coronavirus Aid, Relief, and Economic Security Act ( \" CARES Act ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. \n\nConsumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over XXXX XXXX consumers in the United States who have credit files and trade lines furnished by over XXXX providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligations. \n\nThe Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face because of the COVID-19 pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system.\n\nBelow are examples of the flexibility the Bureau intends to provide in the consumer reporting system.\n\nFurnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy.\n\nThe CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID-19 who have sought such accommodations from their lenders. ' The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so.\n\nMany furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodation will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing.\n\nDisputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30-day period.\n\nThe Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that pose challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty in taking disputes, or lack of access to necessary information.\n\nCoronavirus Aid, Relief, and Economic Security Act, Pub. L. No. 116-136, S 4201 ( 2020 ) ( stating that, with certain exceptions, \" if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make I or more payments pursuant to the accommodation, the furnisher shall- ( I ) report the credit obligation or account as current ; or ( II ) if the credit obligation or account was delinquent before the accommodation- ( aa ) maintain the delinquent status during the period in which the accommodation is in effect ; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current '' ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended.\n\nrendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to very large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agency 's or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe.\n\nThe Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate disputes submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant. The Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable.\n\nRegulatory Requirements This Policy Statement is a non-binding general statement of policy articulating considerations relevant to the Bureau 's exercise of its supervisory and enforcement authorities. It is therefore exempt from the notice and comment rulemaking requirements under the Administrative Procedure Act pursuant to 5 USC 553 ( b ). Because no notice of proposed rulemaking is required, the Regulatory Flexibility Act does not require an initial or final regulatory flexibility analysis. See 5 USC 603 ( a ), 604 ( a ). The Bureau has determined that this Policy Statement does not impose any new or revise any existing recordkeeping, reporting, or disclosure requirements on covered entities or members of the public that would be collections of information requiring OMB approval under the Paperwork Reduction Act, 44 USC 3501 3521.\n\nThe trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.\n\nI have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies, to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.\n\nI tried to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.\n\nThe listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else who did these that I did not know.\n\nTherefore, these below disputed accounts must be deleted ....\n\nThese original creditors are being reported incorrectly, and/or the accounts do not belong to me. \n\n\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Policy states... \n\nAccording to the FAIR CREDIT REPORTING ACT \" FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy...\n\n( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete","date_sent_to_company":"2025-04-10T12:35:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"31721","tags":"Servicemember","has_narrative":true,"complaint_id":"12878320","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-08T20:19:57.000Z","state":"GA","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["I <em>have</em> filed a report with the Federal Trade Commission, which I <em>have</em> enclosed within this dispute package. I <em>have</em> reached out to all these creditors and <em>have</em> <em>made</em> them aware that these accounts were fraudulently opened, and they <em>have</em> known this for several months, but <em>have</em> yet to remove these accounts from my credit reports. Some of the creditors <em>have</em> been cooperative and <em>have</em> removed the accounts, but others <em>have</em> refused to remove the fraudulent accounts."]},"sort":[11.753056,"12878320"]},{"_index":"complaint-public-v1","_id":"12878192","_score":11.753056,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"3RD REQUEST Re : Dispute of Violations of the CARES Act Full Name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Legal Department , This credit dispute is being submitted as a notification to creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed are either in violation of the CARES Act or do not belong to me. Policy states... \n\nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V considering the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. The President signed the Coronavirus Aid, Relief, and Economic Security Act ( \" CARES Act ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. \n\nConsumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over XXXX XXXX consumers in the United States who have credit files and trade lines furnished by over XXXX providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligations. \n\nThe Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face because of the COVID-19 pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system.\n\nBelow are examples of the flexibility the Bureau intends to provide in the consumer reporting system.\n\nFurnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy.\n\nThe CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID-19 who have sought such accommodations from their lenders. ' The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so.\n\nMany furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodation will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing.\n\nDisputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30-day period.\n\nThe Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that pose challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty in taking disputes, or lack of access to necessary information.\n\nCoronavirus Aid, Relief, and Economic Security Act, Pub. L. No. 116-136, S 4201 ( 2020 ) ( stating that, with certain exceptions, \" if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make I or more payments pursuant to the accommodation, the furnisher shall- ( I ) report the credit obligation or account as current ; or ( II ) if the credit obligation or account was delinquent before the accommodation- ( aa ) maintain the delinquent status during the period in which the accommodation is in effect ; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current '' ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended.\n\nrendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to very large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agency 's or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe.\n\nThe Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate disputes submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant. The Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable.\n\nRegulatory Requirements This Policy Statement is a non-binding general statement of policy articulating considerations relevant to the Bureau 's exercise of its supervisory and enforcement authorities. It is therefore exempt from the notice and comment rulemaking requirements under the Administrative Procedure Act pursuant to 5 USC 553 ( b ). Because no notice of proposed rulemaking is required, the Regulatory Flexibility Act does not require an initial or final regulatory flexibility analysis. See 5 USC 603 ( a ), 604 ( a ). The Bureau has determined that this Policy Statement does not impose any new or revise any existing recordkeeping, reporting, or disclosure requirements on covered entities or members of the public that would be collections of information requiring OMB approval under the Paperwork Reduction Act, 44 USC 3501 3521.\n\nThe trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.\n\nI have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies, to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.\n\nI tried to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.\n\nThe listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else who did these that I did not know.\n\nTherefore, these below disputed accounts must be deleted ....\n\nThese original creditors are being reported incorrectly, and/or the accounts do not belong to me. \n\n\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Policy states... \n\nAccording to the FAIR CREDIT REPORTING ACT \" FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy...\n\n( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete","date_sent_to_company":"2025-04-08T20:20:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"31721","tags":"Servicemember","has_narrative":true,"complaint_id":"12878192","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-08T20:08:10.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["I <em>have</em> filed a report with the Federal Trade Commission, which I <em>have</em> enclosed within this dispute package. I <em>have</em> reached out to all these creditors and <em>have</em> <em>made</em> them aware that these accounts were fraudulently opened, and they <em>have</em> known this for several months, but <em>have</em> yet to remove these accounts from my credit reports. Some of the creditors <em>have</em> been cooperative and <em>have</em> removed the accounts, but others <em>have</em> refused to remove the fraudulent accounts."]},"sort":[11.753056,"12878192"]},{"_index":"complaint-public-v1","_id":"5104847","_score":9.336335,"_source":{"product":"Debt collection","complaint_what_happened":"American Express is reducing their risk exposure during the pandemic by targeting and culling cardholders that their system can/could determine were most impacted by the on-going pandemic. As many of those individuals are women with small children, and/or individuals who are XXXX, and/or are from minority backgrounds, American Express is now XXXX in their lending and credit practices against those in at least three ( 3 ) protected classes. Such discrimination is patently prohibited under the Equal Credit Opportunity Act ( ECOA ) and Regulation B, and the Americans With Disabilities Act, respectively. American Express appears to have additional violated several portions of 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ), 12 CFR Part 1022 - Fair Credit Reporting ( Regulation V ), and 12 CFR Part 1026 - Truth in Lending ( Regulation Z ). \n\nIn American Express ' XXXX XXXX response to CFPB complaints XXXX, XXXX & XXXX, American Express implied that I had been receiving bills and was able to make payments through their online system between the months of XX/XX/XXXX and Present because \" I was able to make a payment on XXXX XX/XX/XXXX. '' That is when I was able to regain access to the system after American Express re-enabled access through it's web portal. In that same response, American Express threatened AND/OR took action by placing my account into an alleged CO status on or around XXXX XX/XX/XXXX. The issue began when American Express sent the account for collection to an outside agency alleging it was \" seriously delinquent '' in XX/XX/XXXX. Per American Express, the instructions were quite clear on how I was to make payment if payments were not automatically set up through the collection agency. In the XX/XX/XXXX e-mail, American Express instructed payments to be made on a new site, presumably designed for handling collections, using a five ( 5 ) digit reference code. However, the provided URL provided for the website required a full card number and eand 4-digit card id. The XX/XX/XXXX notification made no mention of my ability to pay by phone, nor mentioned the ability to pay through mail, and provided a limited list of options for paying through American Express itsef. I was not able to pay using the new American Express system because I no longer had the card information. Moreover, since American Express disabled access through their regular web portal between the months of XX/XX/XXXX and XX/XX/XXXX, I was not able to retrieve statements online. As such, my only recourse was to elect for automatic payments through the outside collection agency. When the collection agency changed, the ability to make automatic payments changed. The bottom line is American Express was aware that there had been an issue with me receiving statements since XXXX XX/XX/XXXX, as they were notified in-writing by the collection agency assigned to service that account. Yet, they no actions to investigate the mater beyond having the address information verified by that collection agency. Further, they did not conduct a billing error investigation as required under 12 CFR 1026.13 in response to my billing error notification placed with American express in writing by the collection agency on my behalf. The FCBA requires that American Express promptly conduct investigations when a consumer files a billing error complaint/dispute. It is unlawful not to conduct an investigation when a consumer notifies a creditor, in this case American Express, in writing or electronically. \n\nAmerican Express knew there was a billing issue ( trouble receiving statements ) because they sent me a \" How to Print Statements At Home '' e-mail on or around XXXX XX/XX/XXXX. So, they simply didn't care to address the issue UNTIL such a time as the could place the account in a CO status. \n\nSection 1036 ( a ) ( 1 ) ( B ) of the CFPA prohibits deceptive acts or practices. 12 U.S.C. 5536 ( a ) ( 1 ) ( B ). An act or practice is considered deceptive under the CFPA if it ( a ) misleads or is likely to mislead the consumer ; ( b ) the consumers interpretation of the act or practice is reasonable under the circumstances; and ( c ) the misleading act or practice is material. American Express acknowledges sending the account for collection to an outside agency on or around XX/XX/XXXX. I received an e-mail from American Express on/around XXXX XX/XX/XXXX notifying me of the transfer to an outside collection agency and was specifically instructed to work with that agency to pay the balance on my account. The e-mail provided the url for the collection agency 's payment system where I was to make payments. Although that same e-mail stated I could continue to pay my bill through the American Express, I was provided a url to do so that was different than the normal website. To quote, \" You may also pay your balance online at [ www.americanexpress.com/waytopay ] using a five ( 5 ) digit reference code XXXXX to access the website. '' This XXXXX number was my ZIP CODE. I was no longer able to retrieve statements nor able to log into the web portal through the mobile phone app or website. I now had to pay through the \" new '' url provided -- it required the full account number and the 4-digit card id. I no longer had the physical card because I was told the account was canceled and that upon reinstatement, once the balance was paid-off, I would receive an entirely new card with a different card/account number. The goal of American Express was to get the \" pay-over-time '' balance paid off on my account as quickly as possible because they were not making enough money on interest payments to keep the account on the books. American Express knew my account was canceled. They knew I would be paying through a different/new website, as their e-mail notified/instructed me of the two ( 2 ) applicable ways to pay : through collection agency payment, through the new/alternative American Express website. Any company that creates a web-portal creates use-cases for the different types of users that will log into their systems through that portal. A card-member whose account is canceled is unlikely to keep the card, and is likely to destroy the card for security reasons. Such a user is not able to use an old paper statement to retrieve their account number because the full account number is not printed on the statements -- for security reasons. When a card is destroyed the card-member can no longer retrieve the 4-digit card id. Neither the full account number nor 4-digit card id is given out over the phone due to : security reasons. Therefore, in the course of use-cases, American Express knew , or should have known, a card-member with a canceled account would likely be unable to log into the \" new '' website because they would no longer have access to the full account number, or 4-digit id. The deception then occurs in the e-mail notifying of placement, wherein American Express would hold they provided the 'credentials ' necessary to log into the this website via the five ( 5 ) digit reference code, establish the website to require the full card number and 4-digit card id to gain access to it. American Express would then only need to wait out the clock to charge-off the account and write the amount off or pursue avenues of legal action to recover the alleged amount due. In the process, American Express would be able to have an excuse not to reinstate a cardholder upon recovering the alleged outstanding balance, claiming \" Well we even gave the consumer the opportunity to regain card membership AFTER they paid off the remaining balance and they STILL refused to pay. '' Section 1036 ( a ) ( 1 ) ( B ) of the CFPA prohibits unfair acts or practices. 12 U.S.C. 5536 ( a ) ( 1 ) ( B ). 22. An act or practice is unfair under the CFPA if it : ( a ) causes or is likely to cause consumers substantial injury ; ( b ) such injury is not reasonably avoidable by consumers ; and ( c ) such injury is not outweighed by countervailing benefits to consumers or to competition. 12 U.S.C. 5531 ( c ). I am in fact entitled to retrieve/receive periodic monthly statements. If an institution is aware that there has been difficulty receiving statements through mail, then it is unlawful not to provide access to those statements on a periodic basis by other means if those other means are available to other consumers ( cardholders ). As I was not getting statements per mail and was not able to retrieve statements through the online portal because it required a full card number, I was deprived of right of notice under Regulation Z pursuant to the FCBA. I notified American Express, as I was supposed to, around XXXX XXXX when I stopped receiving statements. American Express records receiving payment WHILE automatic payments were enabled through the outside collection agency. The collection agency was changed at the decision of American Express on or around XX/XX/XXXX. I had no contact with that collection agency. The payments were no longer automated. I authorized a payment on or around XXXX XX/XX/XXXX. I still have not received a XX/XX/XXXX statement. patently unfair to penalize a consumer 's credit file when they have no access to be able to inspect their periodic statements and are having trouble receiving those statements by mail. It is not sufficient under Regulation Z for me to CALL American Express so they can \" tell '' me what it is I owe. \n\nVerifying the ability to make a payment at some end-point, in this case XXXX XX/XX/XXXX, says nothing about whether a consumer was able to pay through the website or retrieve statements prior to that date. Verifying an address is not a substitute for conducting an investigation and is unlawful under 12 CFR 1026.13. The collective actions taken by American Express are set up specifically to place certain groups of card-members ( consumers ) in a position of being held XXXX, where the only relief is to authorize American Express unfettered access to one ( 1 ) or more of the consumer 's bank accounts via automatic ACH withdraws and/or to \" trust, '' orally, what an agent of American Express says is XXXX owed '' is indeed accurate without being able to inspect a billing statement. This construction specifically denies a consumer the ability to check a statement itself for errors, overall depriving a consumer the right to dispute the validity of charges, errors, and payment history that is supplied to consumer reporting agencies on a routine basis. The outcome of not \" trusting '' what in this case \" can not be seen or inspected, '' is injury to a consumer by reporting delinquency statuses to consumer reporting agencies that then damages the credit-worthiness of a consumer with other current or potential creditors. The negative history itself can stay in a consumer file for up to seven ( 7 ) years. None of these processes and procedures were established for the benefit of the consumer, nor do they benefit competition. Rather they were established explicitly for American Express to be able to reduce their risk exposures to consumers their analytics system can/could determine were most impacted by the pandemic. As many of those individuals are women with small children, or individuals who are temporarily disabled, and or, completely disabled, American Express is now discriminating in their lending and credit practices against those in at least two ( 2 ) protected classes. Such discrimination is patently prohibited under the Equal Credit Opportunity Act ( ECOA ) 12 CFR Part 1002 and Regulation B, and the Americans With Disabilities Act, respectively. \n\nIt is suspect the date the account was allegedly CO by American Express was after complaints were filed with the CFPB. That is, complaints were filed within the previous ninety ( 90 ) days preceding the charge-off, making the delay in addressing this matter and subsequent CO appear retaliatory for filing complaints against American Express XXXX Such retaliation is unlawful as filing these complaints with a government agency is protected.","date_sent_to_company":"2022-01-13T05:17:37.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"48103","tags":null,"has_narrative":true,"complaint_id":"5104847","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2022-01-13T00:17:33.000Z","state":"MI","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["I still <em>have</em> not received a XX/XX/XXXX statement. patently unfair to penalize a consumer 's credit file when they <em>have</em> no access to be able to inspect their periodic statements and are <em>having</em> trouble receiving <em>those</em> statements by mail. It is not sufficient under Regulation Z for me to CALL American Express so they can \" tell '' me what it is I owe."]},"sort":[9.336335,"5104847"]},{"_index":"complaint-public-v1","_id":"5104800","_score":9.336335,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX  is reducing their risk exposure during the pandemic by targeting and culling cardholders that their system can/could determine were most impacted by the on-going pandemic. As many of those individuals are women with small children, and/or individuals who are XXXX, and/or are from minority backgrounds, XXXX XXXX is now discriminating in their lending and credit practices against those in at least three ( 3 ) protected classes. Such discrimination is patently prohibited under the Equal Credit Opportunity Act ( ECOA ) and Regulation B, and the Americans With Disabilities Act, respectively. American Express appears to have additional violated several portions of 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ), 12 CFR Part 1022 - Fair Credit Reporting ( Regulation V ), and 12 CFR Part 1026 - Truth in Lending ( Regulation Z ). \n\nIn XXXX XXXX ' XXXX XXXX response to CFPB complaints XXXX, XXXX & XXXX, XXXX XXXX implied that I had been receiving bills and was able to make payments through their online system between the months of XX/XX/XXXX and Present because \" I was able to make a payment on XXXX XX/XX/XXXX. '' That is when I was able to regain access to the system after American Express re-enabled access through it's web portal. In that same responseXXXX XXXX XXXX XXXXhreatened AND/OR took action by placing my account into an alleged CO status on or around XXXX XX/XX/XXXX. The issue began when XXXX XXXX sent the account for collection to an outside agency alleging it was \" seriously delinquent '' in XX/XX/XXXX. Per XXXX XXXX, the instructions were quite clear on how I was to make payment if payments were not automatically set up through the collection agency. In the XX/XX/XXXX e-mail, XXXX XXXX instructed payments to be made on a new site, presumably designed for handling collections, using a five ( 5 ) digit reference code. However, the provided URL provided for the website required a full card number and eand 4-digit card id. The XX/XX/XXXX notification made no mention of my ability to pay by phone, nor mentioned the ability to pay through mail, and provided a limited list of options for paying through XXXX XXXX itsef. I was not able to pay using the new XXXX XXXX system because I no longer had the card information. Moreover, since XXXX XXXX disabled access through their regular web portal between the months of XX/XX/XXXX and XX/XX/XXXX, I was not able to retrieve statements online. As such, my only recourse was to elect for automatic payments through the outside collection agency. When the collection agency changed, the ability to make automatic payments changed. The bottom line is XXXX XXXX was aware that there had been an issue with me receiving statements since XXXX XX/XX/XXXX, as they were notified in-writing by the collection agency assigned to service that account. Yet, they no actions to investigate the mater beyond having the address information verified by that collection agency. Further, they did not conduct a billing error investigation as required under 12 CFR 1026.13 in response to my billing error notification placed with XXXX XXXX in writing by the collection agency on my behalf. The FCBA requires that XXXX XXXX promptly conduct investigations when a consumer files a billing error complaint/dispute. It is unlawful not to conduct an investigation when a consumer notifies a creditor, in this case XXXX XXXX, in writing or electronically. \n\nXXXX XXXX knew there was a billing issue ( trouble receiving statements ) because they sent me a \" How to Print Statements At Home '' e-mail on or around XXXX XX/XX/XXXX. So, they simply didn't care to address the issue UNTIL such a time as the could place the account in a CO status. \n\nSection 1036 ( a ) ( 1 ) ( B ) of the CFPA prohibits deceptive acts or practices. 12 U.S.C. 5536 ( a ) ( 1 ) ( B ). An act or practice is considered deceptive under the CFPA if it ( a ) misleads or is likely to mislead the consumer ; ( b ) the consumers interpretation of the act or practice is reasonable under the circumstances; and ( c ) the misleading act or practice is material. XXXX XXXX acknowledges sending the account for collection to an outside agency on or around XX/XX/XXXX. I received an e-mail from XXXX XXXX on/around XXXX XX/XX/XXXX notifying me of the transfer to an outside collection agency and was specifically instructed to work with that agency to pay the balance on my account. The e-mail provided the url for the collection agency 's payment system where I was to make payments. Although that same e-mail stated I could continue to pay my bill through the XXXX XXXX, I was provided a url to do so that was different than the normal website. To quote, \" You may also pay your balance online at [ www.americanexpress.com/waytopay ] using a five ( 5 ) digit reference code XXXXX to access the website. '' This XXXXX number was my ZIP CODE. I was no longer able to retrieve statements nor able to log into the web portal through the mobile phone app or website. I now had to pay through the \" new '' url provided -- it required the full account number and the 4-digit card id. I no longer had the physical card because I was told the account was canceled and that upon reinstatement, once the balance was paid-off, I would receive an entirely new card with a different card/account number. The goal of XXXX XXXX was to get the \" pay-over-time '' balance paid off on my account as quickly as possible because they were not making enough money on interest payments to keep the account on the books. XXXX XXXX knew my account was canceled. They knew I would be paying through a different/new website, as their e-mail notified/instructed me of the two ( 2 ) applicable ways to pay : through collection agency payment, through the new/alternative XXXX XXXX website. Any company that creates a web-portal creates use-cases for the different types of users that will log into their systems through that portal. A card-member whose account is canceled is unlikely to keep the card, and is likely to destroy the card for security reasons. Such a user is not able to use an old paper statement to retrieve their account number because the full account number is not printed on the statements -- for security reasons. When a card is destroyed the card-member can no longer retrieve the 4-digit card id. Neither the full account number nor 4-digit card id is given out over the phone due to : security reasons. Therefore, in the course of use-cases, XXXX XXXX knew XXXX or should have known, a card-member with a canceled account would likely be unable to log into the \" new '' website because they would no longer have access to the full account number, or 4-digit id. The deception then occurs in the e-mail notifying of placement, wherein XXXX XXXX would hold they provided the 'credentials ' necessary to log into the this website via the five ( 5 ) digit reference code, establish the website to require the full card number and 4-digit card id to gain access to it. XXXX XXXX would then only need to wait out the clock to charge-off the account and write the amount off or pursue avenues of legal action to recover the alleged amount due. In the process, XXXX XXXX would be able to have an excuse not to reinstate a cardholder upon recovering the alleged outstanding balance, claiming \" Well we even gave the consumer the opportunity to regain card membership AFTER they paid off the remaining balance and they STILL refused to pay. '' Section 1036 ( a ) ( 1 ) ( B ) of the CFPA prohibits unfair acts or practices. 12 U.S.C. 5536 ( a ) ( 1 ) ( B ). 22. An act or practice is unfair under the CFPA if it : ( a ) causes or is likely to cause consumers substantial injury ; ( b ) such injury is not reasonably avoidable by consumers ; and ( c ) such injury is not outweighed by countervailing benefits to consumers or to competition. 12 U.S.C. 5531 ( c ). I am in fact entitled to retrieve/receive periodic monthly statements. If an institution is aware that there has been difficulty receiving statements through mail, then it is unlawful not to provide access to those statements on a periodic basis by other means if those other means are available to other consumers ( cardholders ). As I was not getting statements per mail and was not able to retrieve statements through the online portal because it required a full card number, I was deprived of right of notice under Regulation Z pursuant to the FCBA. I notified XXXX XXXX, as I was supposed to, around XXXX XXXX when I stopped receiving statements. XXXX XXXX records receiving payment WHILE automatic payments were enabled through the outside collection agency. The collection agency was changed at the decision of XXXX XXXX on or around XX/XX/XXXX. I had no contact with that collection agency. The payments were no longer automated. I authorized a payment on or around XXXX XX/XX/XXXX. I still have not received a XX/XX/XXXX statement. patently unfair to penalize a consumer 's credit file when they have no access to be able to inspect their periodic statements and are having trouble receiving those statements by mail. It is not sufficient under Regulation Z for me to CALL XXXX XXXX so they can \" tell '' me what it is I owe. \n\nVerifying the ability to make a payment at some end-point, in this case XXXX XX/XX/XXXX, says nothing about whether a consumer was able to pay through the website or retrieve statements prior to that date. Verifying an address is not a substitute for conducting an investigation and is unlawful under 12 CFR 1026.13. The collective actions taken by XXXX XXXX are set up specifically to place certain groups of card-members ( consumers ) in a position of being held hostage, where the only relief is to authorize XXXX XXXX unfettered  access to one ( 1 ) or more of the consumer 's bank accounts via automatic ACH withdraws and/or to \" trust, '' orally, what an agent of XXXX XXXX says is `` owed '' is indeed accurate without being able to inspect a billing statement. This construction specifically denies a consumer the ability to check a statement itself for errors, overall depriving a consumer the right to dispute the validity of charges, errors, and payment history that is supplied to consumer reporting agencies on a routine basis. The outcome of not \" trusting '' what in this case \" can not be seen or inspected, '' is injury to a consumer by reporting delinquency statuses to consumer reporting agencies that then damages the credit-worthiness of a consumer with other current or potential creditors. The negative history itself can stay in a consumer file for up to seven ( 7 ) years. None of these processes and procedures were established for the benefit of the consumer, nor do they benefit competition. Rather they were established explicitly for XXXX XXXX to be able to reduce their risk exposures to consumers their analytics system can/could determine were most impacted by the pandemic. As many of those individuals are women with small children, or individuals who are temporarily XXXX, and or, completely XXXX, XXXX XXXX is now discriminating in their lending and credit practices against those in at least two ( 2 ) protected classes. Such discrimination is patently prohibited under the Equal Credit Opportunity Act ( ECOA ) 12 CFR Part 1002 and Regulation B, and the Americans With Disabilities Act, respectively. \n\nIt is suspect the date the account was allegedly CO by XXXX XXXX was after complaints were filed with the CFPB. That is, complaints were filed within the previous ninety ( 90 ) days preceding the charge-off, making the delay in addressing this matter and subsequent CO appear retaliatory for filing complaints against XXXX XXXX XXXX Such retaliation is unlawful as filing these complaints with a government agency is protected.","date_sent_to_company":"2022-01-13T00:17:26.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"48103","tags":null,"has_narrative":true,"complaint_id":"5104800","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Gatestone & Co. International Inc.","date_received":"2022-01-12T23:53:38.000Z","state":"MI","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["I still <em>have</em> not received a XX/XX/XXXX statement. patently unfair to penalize a consumer 's credit file when they <em>have</em> no access to be able to inspect their periodic statements and are <em>having</em> trouble receiving <em>those</em> statements by mail. It is not sufficient under Regulation Z for me to CALL XXXX XXXX so they can \" tell '' me what it is I owe."]},"sort":[9.336335,"5104800"]},{"_index":"complaint-public-v1","_id":"15846970","_score":7.5250845,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I submitted my initial claim with XXXX XXXX within the required 60-day timeframe. This filing provides additional supporting information and documentation related to that timely claim, to ensure the record is complete and that all evidence is reviewed. \n\nINCIDENT OVERVIEW : On Friday, XX/XX/XXXX, while experiencing a mental health crisis, I received a fraudulent text message from XXXX impersonating a XXXX XXXX security alert. \nThe text read : XXXX XXXX Security Alert : Did you authorize @ XXXX  # XXXX for the amount of {$600.00}? If so reply Y for YES ; N for NO. If HELP reply help to OPT out this message. \nI replied N. Immediately, I received another text : XXXX XXXX Security Alert : Thanks for confirming this transaction your debit card will be blocked & a call will be generated shortly. Case # XXXX. \n\nMoments later, I received a phone call from the same number. The caller impersonated a XXXX XXXX fraud department representative. \n\n\nTHE SCAM CALL : The XXXX XXXX Impersonator claimed fraudulent activity occurred in XXXX, verified I had my debit card ending in XXXX, and pressured me to log into my XXXX XXXX app. He told me to expect XXXX XXXX automatic email notifications at each step. Because I did receive legitimate XXXX XXXX system emails, I believed the transactions were authentic. \n\nThe scammer exploited XXXX XXXX legitimate security alerts to gain my trust. I did not knowingly or willingly authorize these transactions. I was deceived into completing actions under false pretenses. \n\nThe impersonator claimed fraudulent activity had occurred on my account in XXXX  and asked if I still had my debit card ending in XXXX. I confirmed that I did. He asked whether I had ever lost the card ( I said no ), and then pressured me to log into my XXXX XXXX phone app under the pretense of confirming that my password had not changed. \nHe insisted that XXXX XXXX needed to secure my account and created a sense of urgency, making it appear that if I did not comply, I would immediately lose access to my funds. \n\nThe impersonator told me to expect XXXX XXXX automatic security emails at each step. When those legitimate system emails arrived- as XXXX XXXX normally sends for account changes or transfers- it reinforced the impression that this was a genuine XXXX XXXX XXXX XXXX The scammer deliberately exploited XXXX XXXX own security alerts to build credibility and mislead me into believing the activity was safe. \n\nHe further reassured me that XXXX XXXX would never ask for personal information, a statement consistent with what legitimate bank representatives say. This tactic disarmed me further and made the fraud more convincing. \n\nAt no time did I knowingly or willingly authorize fraudulent transactions. Each step was carried out under false pretenses created by the scammer, who manipulated me into believing I was protecting my account when in fact I was being defrauded. \n\n\nHOW THE SCAM PROGRESSED : The impersonator methodically directed a sequence of steps designed to mimic legitimate XXXX XXXX procedures and to strip away my defenses : He stated that XXXX XXXX would be closing my account and coached me through adding what he claimed was a temporary card to Apple Wallet. \nHe then demanded that {$10000.00} be shifted from savings into checking, presenting it as necessary to have all funds in one account for the supposed transition. \nAfterward, he required me to confirm receipt of a XXXX XXXX system-generated email. Because these were legitimate notifications that I normally receive when changes are made, this step reinforced the false impression of authenticity. \nHe next directed that {$9900.00} be moved from checking into Apple XXXX. \nHe then walked me through manually adding what he described as a new temporary XXXX XXXX card to Apple Wallet. This process was deliberately crafted to mirror something a real XXXX XXXX representative had once shown me. Although he did not explicitly request it, the process forced me to provide my Social Security number and date of birth within the app. \nHe further instructed that my legitimate XXXX XXXX card ending in XXXX and the so-called temporary card ending in XXXX both be deleted, claiming they were no longer active. \nFinally, he stated that since it was after business hours in XXXX XXXX, the remainder of the account security process would be completed the following morning at a XXXX XXXX branch, with him remaining on the phone at XXXX XXXX  to assist. \n\n\nREALIZATION AND REPORTING After the call, I phoned a relative who immediately told me it was a scam. I then : Called XXXX XXXX, who confirmed fraud and opened a claim. \nContacted Apple XXXX  and XXXX XXXX  XXXX, but both refused to investigate despite repeated requests. \nXX/XX/XXXX : Filed a police report at XXXX XXXX. At XXXX XXXX, the scammer called again from the same number. I disengaged and police advised me not to engage further. \nFiled a complaint with the FTC and placed fraud alerts and freezes with all three credit bureaus. \n\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nImmediately afterward, I drove from XXXX to XXXX XXXX to collect medical expense documentation from two different offices. Both attempts were unsuccessful, leaving me exhausted, stressed, and without the records I needed. It was during this difficult moment that the initial fraudulent text arrived. \nThese events, compounded by sleep deprivation, emotional strain, and the sudden transition plan to outpatient care, created a state of acute distress that the impersonator exploited when he called. \nThis vulnerable condition was deliberately leveraged by the scammer, and it directly impacted my ability to recognize the deception for what it was. \n\n\nFINANCIAL IMPACT : The stolen money came from my XXXX  Retirement System account, accrued during XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had lawfully withdrawn these funds as part of my attempt to create stability - either by reducing debt or preparing for a possible relocation due to declining quality of life in XXXX. \n\nLosing these retirement funds at the same time I was under acute emotional distress compounded the devastation of this scam. It erased the financial security I had intentionally set aside for my well-being and has left me with both severe financial hardship and increased psychological strain. \n\n\nFURTHER ACTIONS TAKEN WITH EACH INSTITUTION : XXXX XXXX XX/XX/XXXX : Called to provide additional details, including my mental health state. Representatives refused to take notes or escalate. \nXX/XX/XXXX : Told to email my XXXX  letter to XXXX. I sent it at XXXX XXXX. \nXX/XX/year> : XXXX XXXX XXXX contacted me. I uploaded the same documents ( XXXX  letter, screenshots, police report ) to his secure folder. \nXX/XX/XXXX : XXXX XXXX said no record of my XXXX  letter. She told me to resend and fax it. At XXXX XXXX XXXX XXXX, employee XXXX XXXX faxed the documents at XXXX XXXX. I received confirmation. \nXX/XX/XXXX : Claim denied. I asked if I could appeal this decision and XXXX XXXX repeatedly said, firm denial. He finally allowed me to me speak to someone in a higher position. XXXX XXXX admitted evidence ( XXXX  letter, phishing texts ) had not been reviewed. She also stated that no appeals process exists. \n\nApple / Apple XXXX  I contacted Apple XXXX  several times. Each time, representatives refused to create a claim or investigate, instead placing responsibility on me. \nDespite XXXX XXXX confirming fraud, Apple took no meaningful action to help recover the funds. \n\nXXXX XXXX XXXX I called XXXX XXXX  immediately after the fraud. Representatives said they would not investigate and that nothing could be done. \n\nXXXX XX/XX/XXXX : Called XXXX, spoke with XXXX XXXX. He said they could not search by SSN but would file an identity theft report. I provided my last four SSN digits, DOB, and card digits. Ticket # XXXX was issued. \nSame day : XXXX requested a police report. \nXX/XX/XXXX : I submitted a request for my police report to the City of XXXX Open Records Center. I was informed that it could take 10+ business days for me to receive the police report. \nXX/XX/XXXX : Received another scam text from XXXX. Detective XXXX told me not to engage and said he would contact XXXX. \nXX/XX/XXXX : Called XXXX XXXX XXXX  to see if they could track the calls & texts from XXXX XXXX XXXX. The representative was confused and struggled to assist me. \nXX/XX/XXXX : XXXX XXXX from XXXX emailed me that no account was created with my information and closed the case. \nXX/XX/XXXX : I followed up, asking XXXX to check whether any account was tied to the new number and what information was searched. I also informed them that I was still waiting on the police report and that Detective XXXX would be contacting XXXX directly. No reply. \nXX/XX/XXXX, I received access to my police report from City of XXXX Open Records Center. \nXX/XX/XXXX : I followed up again, asking XXXX to check whether any account was tied to the new number and what information was searched. Still no reply. \nXX/XX/XXXX : I check in with Detective XXXX and he shared his findings about XXXX and informed me that he was still investigating and to hang tight. \nXX/XX/XXXX : In coordination with Detective XXXX, I provided the police report to XXXX and followed up on my previous unanswered emails. \n\n\nONGOING WORK WITH LAW ENFORCEMENT : Detective XXXX and I have communicated consistently since XX/XX/XXXX. He continues to investigate, with his last message to me on XX/XX/XXXX. Specific dates and details are listed in the details above. \n\n\nCURRENT STATUS : XXXX XXXX denied my claim. \nApple/Apple XXXX  refused to investigate despite repeated requests.\n\nXXXX XXXX XXXX refused to investigate at all. \nXXXX initially responded but then ceased communication. \nThe scam has devastated my finances and mental health. I can now only manage about 10 hours of work per week. This loss of income compounds the financial devastation. \n\n\nSYSTEMIC VULNERABILITIES EXPLOITED BY THE SCAMMER : This was fraud and manipulation - not informed consent. I was deceived into completing actions under false pretenses. The scammer exploited weaknesses in multiple systems : XXXX XXXX : Automatic security emails were used to create a false sense of legitimacy. \nApple/XXXX XXXX  : Apples peer-to-peer transfer system ( via Apple XXXX/XXXX XXXX ) provides no recourse once funds are sent-even if the recipient is a scammer. \nXXXX : Minimal identity verification during onboarding makes it easier for scammers to create and misuse accounts. \n\nThese systemic limitations compounded the harm I suffered, making recovery exceptionally difficult. \n\n\nSUPPORTING EVIDENCE SUBMITTED : Police report and other documents pertaining to this report Screenshots, texts, emails and fax XXXX  letter documenting my mental state XXXX XXXX system emails exploited by the scammer CONCLUSION AND REQUEST : I request that the CFPB : XXXX. Recognize this as fraud. \nXXXX. Require Apple Payment Inc. to fully review my evidence. \nXXXX. Reverse claim denials or inaction. \nXXXX. Secure financial recovery and take corrective action so Apple XXXX can not be weaponized against other consumers.","date_sent_to_company":"2025-09-16T17:47:09.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"78660","tags":null,"has_narrative":true,"complaint_id":"15846970","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Apple Financing LLC","date_received":"2025-09-10T16:09:58.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The impersonator told me to expect XXXX XXXX automatic <em>security</em> emails at each step. When <em>those</em> legitimate system emails arrived- as XXXX XXXX normally sends for account changes or transfers- it reinforced the impression that this was a genuine XXXX XXXX XXXX XXXX The scammer deliberately exploited XXXX XXXX own <em>security</em> alerts to build credibility and mislead me into believing the activity was safe."]},"sort":[7.5250845,"15846970"]},{"_index":"complaint-public-v1","_id":"15854850","_score":7.524303,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I submitted my initial claim with Wells Fargo within the required 60-day timeframe. This filing provides additional supporting information and documentation related to that timely claim, to ensure the record is complete and that all evidence is reviewed. \n\nINCIDENT OVERVIEW : On Friday, XX/XX/XXXX, while experiencing a mental health crisis, I received a fraudulent text message from XXXX impersonating a Wells Fargo security alert. \nThe text read : Wells Fargo Security Alert : Did you authorize @ XXXX XXXX  XXXX for the amount of {$600.00}? If so reply Y for YES ; N for NO. If HELP reply help to OPT out this message. \nI replied N. Immediately, I received another text : Wells Fargo Security Alert : Thanks for confirming this transaction your debit card will be blocked & a call will be generated shortly. Case # XXXX. \n\nMoments later, I received a phone call from the same number. The caller impersonated a Wells Fargo fraud department representative. \n\n\nTHE SCAM CALL : The Wells Fargo Impersonator claimed fraudulent activity occurred in XXXX, verified I had my debit card ending in XXXX, and pressured me to log into my Wells Fargo app. He told me to expect Wells Fargos automatic email notifications at each step. Because I did receive legitimate Wells Fargo system emails, I believed the transactions were authentic. \n\nThe scammer exploited Wells Fargos legitimate security alerts to gain my trust. I did not knowingly or willingly authorize these transactions. I was deceived into completing actions under false pretenses. \n\nThe impersonator claimed fraudulent activity had occurred on my account in XXXX  and asked if I still had my debit card ending in XXXX. I confirmed that I did. He asked whether I had ever lost the card ( I said no ), and then pressured me to log into my Wells Fargo phone app under the pretense of confirming that my password had not changed. \nHe insisted that Wells Fargo needed to secure my account and created a sense of urgency, making it appear that if I did not comply, I would immediately lose access to my funds. \n\nThe impersonator told me to expect Wells Fargos automatic security emails at each step. When those legitimate system emails arrived- as Wells Fargo normally sends for account changes or transfers- it reinforced the impression that this was a genuine Wells Fargo process . The scammer deliberately exploited Wells Fargos own security alerts to build credibility and mislead me into believing the activity was safe. \n\nHe further reassured me that Wells Fargo would never ask for personal information, a statement consistent with what legitimate bank representatives say. This tactic disarmed me further and made the fraud more convincing. \n\nAt no time did I knowingly or willingly authorize fraudulent transactions. Each step was carried out under false pretenses created by the scammer, who manipulated me into believing I was protecting my account when in fact I was being defrauded. \n\n\nHOW THE SCAM PROGRESSED : The impersonator methodically directed a sequence of steps designed to mimic legitimate Wells Fargo procedures and to strip away my defenses : He stated that Wells Fargo would be closing my account and coached me through adding what he claimed was a temporary card to XXXX XXXX. \nHe then demanded that {$10000.00} be shifted from savings into checking, presenting it as necessary to have all funds in one account for the supposed transition. \nAfterward, he required me to confirm receipt of a Wells Fargo system-generated email. Because these were legitimate notifications that I normally receive when changes are made, this step reinforced the false impression of authenticity. \nHe next directed that {$9900.00} be moved from checking into XXXX XXXX. \nHe then walked me through manually adding what he described as a new temporary Wells Fargo card to XXXX XXXX. This process was deliberately crafted to mirror something a real Wells Fargo representative had once shown me. Although he did not explicitly request it, the process forced me to provide my Social Security number and date of birth within the app. \nHe further instructed that my legitimate Wells Fargo card ending in XXXX and the so-called temporary card ending in XXXX both be deleted, claiming they were no longer active. \nFinally, he stated that since it was after business hours in Central Time, the remainder of the account security process would be completed the following morning at a Wells Fargo branch, with him remaining on the phone at XXXX XXXX  to assist. \n\n\nREALIZATION AND REPORTING After the call, I phoned a relative who immediately told me it was a scam. I then : Called Wells Fargo, who confirmed fraud and opened a claim. \nContacted XXXX XXXX and XXXX XXXX XXXX, but both refused to investigate despite repeated requests. \nXX/XX/XXXX : Filed a police report at XXXX XXXX. At XXXX XXXX, the scammer called again from the same number. I disengaged and police advised me not to engage further. \nFiled a complaint with the FTC and placed fraud alerts and freezes with all three credit bureaus. \n\n\nMENTAL HEALTH CONTEXT : This scam targeted me at a time of significant vulnerability : On the morning of XX/XX/XXXX, I had a session with my XXXX  where I described worsening symptoms and XXXX XXXX XXXX XXXX. He determined I required a higher level of care than he could provide and recommended that I begin XXXX XXXX for additional support. \nImmediately afterward, I drove from XXXX to XXXX XXXX to collect medical expense documentation from two different offices. Both attempts were unsuccessful, leaving me exhausted, stressed, and without the records I needed. It was during this difficult moment that the initial fraudulent text arrived. \nThese events, compounded by sleep deprivation, emotional strain, and the sudden transition plan to XXXX XXXX, created a state of acute distress that the impersonator exploited when he called. \nThis vulnerable condition was deliberately leveraged by the scammer, and it directly impacted my ability to recognize the deception for what it was. \n\n\nFINANCIAL IMPACT : The stolen money came from my Texas Retirement System account, accrued during four years of service at the XXXX XXXX XXXX. I had lawfully withdrawn these funds as part of my attempt to create stability - either by reducing debt or preparing for a possible relocation due to declining quality of life in XXXX. \n\nLosing these retirement funds at the same time I was under acute emotional distress compounded the devastation of this scam. It erased the financial security I had intentionally set aside for my well-being and has left me with both severe financial hardship and increased psychological strain. \n\n\nFURTHER ACTIONS TAKEN WITH EACH INSTITUTION : WELLS FARGO : XX/XX/XXXX : Called to provide additional details, including my mental health state. Representatives refused to take notes or escalate. \nXX/XX/XXXX : Told to email my therapist letter to XXXX. I sent it at XXXX XXXX. \nXX/XX/year> : Detective XXXX XXXX contacted me. I uploaded the same documents ( therapist letter, screenshots, police report ) to his secure folder. \nXX/XX/XXXX : XXXX XXXX said no record of my XXXX  letter. She told me to resend and fax it. At Wells Fargo XXXX XXXX, employee XXXX XXXX faxed the documents at XXXX XXXX. I received confirmation. \nXX/XX/XXXX : Claim denied. I asked if I could appeal this decision and XXXX XXXX repeatedly said, firm denial. He finally allowed me to me speak to someone in a higher position. XXXX XXXX admitted evidence ( XXXX  letter, phishing texts ) had not been reviewed. She also stated that no appeals process exists. \n\nXXXX / XXXX XXXX  : I contacted XXXX XXXX several times. Each time, representatives refused to create a claim or investigate, instead placing responsibility on me. \nDespite Wells Fargo confirming fraud, XXXX took no meaningful action to help recover the funds. \n\nXXXX XXXX XXXX : I called XXXX XXXX immediately after the fraud. Representatives said they would not investigate and that nothing could be done. \n\nXXXX : XX/XX/XXXX : Called XXXX, spoke with XXXX XXXX. He said they could not search by SSN but would file an identity theft report. I provided my last four SSN digits, DOB, and card digits. Ticket # XXXX was issued. \nSame day : XXXX requested a police report. \nXX/XX/XXXX : I submitted a request for my police report to the XXXX of XXXX XXXX XXXX XXXX. I was informed that it could take 10+ business days for me to receive the police report. \nXX/XX/XXXX : Received another scam text from XXXX. XXXX XXXX told me not to engage and said he would contact XXXX. \nXX/XX/XXXX : Called XXXX XXXX XXXX  to see if they could track the calls & texts from Wells Fargo impersonator. The representative was confused and struggled to assist me. \nXX/XX/XXXX : XXXX XXXX from XXXX emailed me that no account was created with my information and closed the case. \nXX/XX/XXXX : I followed up, asking XXXX to check whether any account was tied to the new number and what information was searched. I also informed them that I was still waiting on the police report and that Detective XXXX would be contacting XXXX directly. No reply. \nXX/XX/XXXX, I received access to my police report from XXXX XXXX XXXX XXXX XXXX XXXX. \nXX/XX/XXXX : I followed up again, asking XXXX to check whether any account was tied to the new number and what information was searched. Still no reply. \nXX/XX/XXXX : I check in with Detective XXXX and he shared his findings about XXXX and informed me that he was still investigating and to hang tight. \nXX/XX/XXXX : In coordination with Detective XXXX, I provided the police report to XXXX and followed up on my previous unanswered emails. \n\n\nONGOING WORK WITH LAW ENFORCEMENT : Detective XXXX and I have communicated consistently since XX/XX/XXXX. He continues to investigate, with his last message to me on XX/XX/XXXX. Specific dates and details are listed in the details above. \n\n\nCURRENT STATUS : Wells Fargo denied my claim. \nXXXX XXXX refused to investigate despite repeated requests. \nXXXX XXXX XXXX refused to investigate at all. \nXXXX initially responded but then ceased communication. \nThe scam has devastated my finances and mental health. I can now only manage about 10 hours of work per week. This loss of income compounds the financial devastation. \n\n\nSYSTEMIC VULNERABILITIES EXPLOITED BY THE SCAMMER : This was fraud and manipulation - not informed consent. I was deceived into completing actions under false pretenses. The scammer exploited weaknesses in multiple systems : Wells Fargo : Automatic security emails were used to create a false sense of legitimacy. \nXXXX XXXX : XXXX  XXXX transfer system ( via XXXX XXXX XXXX  ) provides no recourse once funds are sent-even if the recipient is a scammer. \nXXXX : Minimal identity verification during onboarding makes it easier for scammers to create and misuse accounts. \n\nThese systemic limitations compounded the harm I suffered, making recovery exceptionally difficult. \n\n\nSUPPORTING EVIDENCE SUBMITTED : Police report and other documents pertaining to this report Screenshots, texts, emails and fax XXXX  letter documenting my mental state Wells Fargo system emails exploited by the scammer CONCLUSION AND REQUEST : I request that the CFPB : 1. Recognize this as fraud. \n2. Require Wells Fargo to fully review my evidence.\n\n3. Reverse claim denials or inaction.\n\n4. Secure financial recovery and take corrective action so these systems can not be weaponized against other consumers.","date_sent_to_company":"2025-09-11T15:47:13.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"78660","tags":null,"has_narrative":true,"complaint_id":"15854850","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-09-10T07:31:15.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["The impersonator told me to expect Wells Fargos automatic <em>security</em> emails at each step. When <em>those</em> legitimate system emails arrived- as Wells Fargo normally sends for account changes or transfers- it reinforced the impression that this was a genuine Wells Fargo process . The scammer deliberately exploited Wells Fargos own <em>security</em> alerts to build credibility and mislead me into believing the activity was safe."]},"sort":[7.524303,"15854850"]},{"_index":"complaint-public-v1","_id":"8440126","_score":7.453903,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX ssn # XXXX XX/XX/XXXX Legal Department, This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me. Policy states... \nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last XXXX, on XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( \\ '' CARES Ad\\ ' ), which provides critical emergency assistance to consumers and businesses affected by XXXX and includes provisions addressing consumer reporting requirements. \nConsumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over 200 million consumers in the United States who have credit files and trade lines furnished by over 10,000 providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, accommodation, the furnisher report the credit obligation or account as current; or ( Il ) if the credit obligation or account was delinquent before the maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current\\ '' ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended. Rendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to very large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agencies or furnisher\\ 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate disputes submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant. \nThe Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable. Regulatory Requirements\nThis Policy Statement is a non-binding general statement of policy articulating considerations relevant to the Bureau\\ 's exercise of its supervisory and enforcement authorities. It is therefore exempt from the notice and comment rule making requirements under the Administrative Procedure Act pursuant to 5 USC 553 ( b ). Because no notice of proposed rule making is required, the Regulatory Flexibility Act does not require an initial or final regulatory flexibility analysis. See 5 USC 603 ( a ), 604 ( a ). The Bureau has determined that this Policy Statement does not impose any new or revise any existing record keeping, reporting, or disclosure requirements on covered entities or members of the public that would be collections of information requiring OMB approval under the Paperwork Reduction Act, 44 USC 3501-3521.\n\nThe trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.\n\nI have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. \nI made an attempt to file a police report, but I was informed by XXXX XXXX that it did not constitute as an emergency, and that they would not file the report because I didn\\'t have any information on the person who used my information, nor did I know how my information was obtained by this person. \nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. \nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these account accounts/items doesnt belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED!\n\nPolicy states...\n\nAccording to the FAIR CREDIT REPORTING ACT \\ '' FCRA\\ '', Section 1681c ( 2 ) Block of information resulting from identity theft.\n\n1. Block. Except as otherwise provided in this section, a co\nnsumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of...\n\n1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer.\n\nAll furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore.\n\nNOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross-referenced to the.U.S Code is at the end of this document. Section 623 imposes the following duties upon furnishers : Accuracy\nGuidelines results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( C ) and ( b ) ( 1 ) Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section Promptly modify or delete the information, or block its reporting. Section Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when .it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ).\n\nDuty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ).\n\nAny person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to \\ '' nationwide\\ '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA . Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B.\n\nDuties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher\\ 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.\n\nDuties When ID Theft Occurs Including staffing challenges, that could tempor\narily impede their ability to timely comply with their statutory and regulatory consumer reporting obligations.\n\nThe Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers\\ ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau\\ 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities\\ ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system. \nBelow are examples of the flexibility the Bureau intends to provide in the consumer reporting system.\n\nFurnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers\\ ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy as a whole. \nThe CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID 19 who have sought such accommodations from their lendersl .The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so.\n\nMany furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers\\ ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing.\n\nDisputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer\\ 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30-day period.\n\nThe Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that pose challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavirus Aid, Relief, and Economic Security Act, Pub. L. No. 116-136, 5 4201 ( 2020 ) ( stating that, with certain exceptions, \\ '' if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account Of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. \nThese original creditors are being reported incorrectly, and/or the accounts do not belong to me. \nXXXX XXXX account # XXXX XXXX acct # XXXX XXXX  XXXX acct # XXXX XXXX  acct # XXXX XXXX XXXX  ACCT # XXXX XXXX ACCT # XXXX, ACCT # XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX, ACCT # XXXX, ACCT XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX Policy States According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) Procedure in Case of Disputed Accuracy ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required a. In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly thorough a reseller, of such dispute free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means to you, this credit reporting agency, are reporting incorrect accounts.\n\nFinally, you are reporting the INQUIRES that are a result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below listed and companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquires. \nInquires that are made by someone else without my authorization is not a factual record of access to my credit, it is a fraudulent activity, and it must be addressed as such. The reason that these inquires are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquires were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. \nIt should be noted that any inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done though fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry with each company. These inquires are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. \nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the XXXX XXXX XXXX, report an accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do mot belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be UPDATED and/or DELETED! \n\nCREDIT  INQUIRES XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX MAIN XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Policy states... \nAccording to the FAIR CREDIT REPORTING ACT \\ '' FCRA\\ '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy...\n\n( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection ( O, if the completeness or accuracy of any item of information contained in a consumer\\ 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\nThe FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ).\n\nGeneral Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( I ) ( B ).\n\nIf a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).\n\nFurnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a \\ '' credit repair organization.\\ '' Section 623 ( a ) (. Federal regulations are available at www.consumerfinance.gov/learnmore.Section 623 ( a ) ( Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher tha\nt a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( I ) ( A ) and Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the All furnishers must have in place reasonable procedures to respond to notifications from CRAS that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish Information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( 0.\n\nThe CFPB\\ 's website, www.consumerfinance.gov/learnmore, has more information about the FCRA , including publications for business and the full text of the FCRA .\n\nCitations for FCRA sections in the U.S. Code, IS U.S.C. 1681 et seq. : I have provided all of the above listed items within this package. Therefore, I expect these listed accounts to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. \nSincerely, XXXX XXXX","date_sent_to_company":"2024-02-29T00:32:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92880","tags":null,"has_narrative":true,"complaint_id":"8440126","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-29T00:32:28.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I <em>have</em> filed a report with the Federal Trade Commission, which I <em>have</em> enclosed within this dispute package. I <em>have</em> reached out to all of these creditors and <em>have</em> <em>made</em> them aware that these accounts were fraudulently opened, and they <em>have</em> known this for several months, but <em>have</em> yet to remove these accounts from my credit reports. Some of the creditors <em>have</em> been cooperative and <em>have</em> removed the accounts, but others <em>have</em> refused to remove the fraudulent accounts."]},"sort":[7.453903,"8440126"]},{"_index":"complaint-public-v1","_id":"8440125","_score":7.453903,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX ssn # XXXX XX/XX/XXXX Legal Department, This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me. Policy states...\n\nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last XXXX, on XX/XX/XXXX, the XXXX signed the Coronavirus Aid, Relief, and Economic Security Act ( \\ '' CARES Ad\\ ' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. \nConsumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over XXXX XXXX consumers in the United States who have credit files and trade lines furnished by over XXXX providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, accommodation, the furnisher report the credit obligation or account as current; or ( Il ) if the credit obligation or account was delinquent before the maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current\\ '' ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended. Rendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to very large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agencies or furnisher\\ 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate disputes submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant.\n\nThe Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable.\n\nRegulatory Requirements This Policy Statement is a non-binding general statement of policy articulating considerations relevant to the Bureau\\ 's exercise of its supervisory and enforcement authorities. It is therefore exempt from the notice and comment rule making requirements under the Administrative Procedure Act pursuant to 5 USC 553 ( b ). Because no notice of proposed rule making is required, the Regulatory Flexibility Act does not require an initial or final regulatory flexibility analysis. See 5 USC 603 ( a ), 604 ( a ). The Bureau has determined that this Policy Statement does not impose any new or revise any existing record keeping, reporting, or disclosure requirements on covered entities or members of the public that would be collections of information requiring OMB approval under the Paperwork Reduction Act, 44 USC 3501-3521.\n\nThe trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. \nI have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. \nI made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn\\'t have any information on the person who used my information, nor did I know how my information was obtained by this person.\n\nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.\n\nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these account accounts/items doesnt belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED!\n\nPolicy states...\n\nAccording to the FAIR CREDIT REPORTING ACT \\ '' FCRA\\ '', Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting\nagency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of...\n\n1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer.\n\nAll furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore. NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who\nfurnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross-referenced to the.U.S Code is at the end of this document.\n\nSection 623 imposes the following duties upon furnishers : Accuracy Guidelines results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( C ) and ( b ) ( 1 ) Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section Promptly modify or delete the information, or block its reporting. Section Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when .it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ).\n\nDuty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ).\n\nAny person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to \\ '' XXXX '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA . Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B.\n\nDuties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher\\ 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.\n\nDuties When ID Theft Occurs Including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligations.\n\nThe Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers\\ ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau\\ 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities\\ ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system. \nBelow are examples of the flexibility the Bureau intends to provide in the consumer reporting system.\n\nFurnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers\\ ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy as a whole.\n\nThe CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID 19 who have sought such accommodations from their lendersl .The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so. \nMany furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers\\ ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing.\n\nDisputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer\\ 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30-day period.\n\nThe Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that pose challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavirus Aid, Relief, and Economic Security Act, Pub. L. No. 116-136, 5 4201 ( 2020 ) ( stating that, with certain exceptions, \\ '' if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account Of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. \nThese original creditors are being reported incorrectly, and/or the accounts do not belong to me. \nXXXX XXXX account # XXXX XXXX acct # XXXX XXXX  XXXX acct # XXXX XXXX  acct # XXXX XXXX XXXX  ACCT # XXXX XXXX ACCT # XXXX, ACCT # XXXX XXXX  ACCT # XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX, ACCT # XXXX, ACCT XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX Policy States According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) Procedure in Case of Disputed Accuracy ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required a. In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly thorough a reseller, of such dispute free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means to you, this credit reporting agency, are reporting incorrect accounts.\n\nFinally, you are reporting the INQUIRES that are a result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below listed and companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquires. \nInquires that are made by someone else without my authorization is not a factual record of access to my credit, it is a fraudulent activity, and it must be addressed as such. The reason that these inquires are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquires were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. \nIt should be noted that any inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done though fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry with each company. These inquires are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file.\n\nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report an accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do mot belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be UPDATED and/or DELETED! \n\nCREDIT INQUIRES XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Policy states... \nAccording to the FAIR CREDIT REPORTING ACT \\ '' FCRA\\ '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy...\n\n( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection ( O, if the completeness or accuracy of any item of information contained in a consumer\\ 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\nThe FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ).\n\nGeneral Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( I ) ( B ).\n\nIf a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).\n\nFurnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a \\ '' credit repair organization.\\ '' Section 623 ( a ) (. Federal regulations are available at www.consumerfinance.gov/learnmore.Section 623 ( a ) ( Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( I ) ( A ) and Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the All furnishers must have in place reasonable procedures to respond to notifications from CRAS that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish Information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has\nfurnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( 0.\n\nThe CFPB\\ 's website, www.consumerfinance.gov/learnmore, has more information about the FCRA , including publications for business and the full text of the FCRA .\n\nCitations for FCRA sections in the U.S. Code, IS U.S.C. 1681 et seq. : I have provided all of the above listed items within this package. Therefore, I expect these listed accounts to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. \nSincerely, XXXX XXXX","date_sent_to_company":"2024-02-29T00:32:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92880","tags":null,"has_narrative":true,"complaint_id":"8440125","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-29T00:32:28.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I <em>have</em> filed a report with the Federal Trade Commission, which I <em>have</em> enclosed within this dispute package. I <em>have</em> reached out to all of these creditors and <em>have</em> <em>made</em> them aware that these accounts were fraudulently opened, and they <em>have</em> known this for several months, but <em>have</em> yet to remove these accounts from my credit reports. Some of the creditors <em>have</em> been cooperative and <em>have</em> removed the accounts, but others <em>have</em> refused to remove the fraudulent accounts."]},"sort":[7.453903,"8440125"]},{"_index":"complaint-public-v1","_id":"8440132","_score":7.4456267,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX ssn # XXXX XX/XX/XXXX Legal Department, This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me. Policy states... \nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last XXXX, on XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( \\ '' CARES Ad\\ ' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. \nConsumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over 200 million consumers in the United States who have credit files and trade lines furnished by over 10,000 providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, accommodation, the furnisher report the credit obligation or account as current; or ( Il ) if the credit obligation or account was delinquent before the maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current\\ '' ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended. Rendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to very large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agencies or furnisher\\ 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate disputes submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant.\n\nThe Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable.\n\nRegulatory Requirements This Policy Statement is a non-binding general statement of policy articulating considerations relevant to the Bureau\\ 's exercise of its supervisory and enforcement authorities. It is therefore exempt from the notice and comment rule making requirements under the Administrative Procedure Act pursuant to 5 USC 553 ( b ). Because no notice of proposed rule making is required, the Regulatory Flexibility Act does not require an initial or final regulatory flexibility analysis. See 5 USC 603 ( a ), 604 ( a ). The Bureau has determined that this Policy Statement does not impose any new or revise any existing record keeping, reporting,\nor disclosure requirements on covered entities or members of the public that would be collections of information requiring OMB approval under the Paperwork Reduction Act, 44 USC 3501-3521.\n\nThe trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.\n\nI have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.\n\nI made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn\\'t have any information on the person who used my information, nor did I know how my information was obtained by this person.\n\nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.\n\nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these account accounts/items doesnt belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED!\n\nPolicy states...\n\nAccording to the FAIR CREDIT REPORTING ACT \\ '' FCRA\\ '', Section 1681c ( 2 ) Block of information resulting from identity theft.\n\n1. Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of...\n\n1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer.\nAll furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore.\n\nNOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross-referenced to the.U.S Code is at the end of this document.\n\nSection 623 imposes the following duties upon furnishers : Accuracy Guidelines results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( C ) and ( b ) ( 1 ) Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant\nadditional information to the CRA ). Section Promptly modify or delete the information, or block its reporting. Section Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when .it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ).\n\nDuty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ).\n\nAny person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to \\ '' nationwide\\ '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA . Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B. Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher\\ 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which i\nt reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.\n\nDuties When ID Theft Occurs Including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligations.\n\nThe Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers\\ ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau\\ 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities\\ ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system.\n\nBelow are examples of the flexibility the Bureau intends to provide in the consumer reporting system.\n\nFurnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers\\ '\nproviding accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy as a whole.\n\nThe CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID 19 who have sought such accommodations from their lendersl .The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so.\n\nMany furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers\\ ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing.\n\nDisputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer\\ 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30-day period.\n\nThe Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that pose challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavirus Aid, Relief, and Economic Security Act, Pub. L. No. 116-136, 5 4201 ( 2020 ) ( stating that, with certain exceptions, \\ '' if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account Of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. \nThese original creditors are being reported incorrectly, and/or the accounts do not belong to me. \nXXXX XXXX account # XXXX XXXX acct # XXXX XXXX  XXXX acct # XXXX XXXX  acct # XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX, ACCT # XXXX  XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX, ACCT # XXXX, ACCT XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX Policy States According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) Procedure in Case of Disputed Accuracy ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required a. In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly thorough a reseller, of such dispute free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. \nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means to you, this credit reporting agency, are reporting incorrect accounts. \nFinally, you are reporting the INQUIRES that are a result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below listed and companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquires. \nInquires that are made by someone else without my authorization is not a factual record of access to my credit, it is a fraudulent activity, and it must be addressed as such. The reason that these inquires are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquires were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. \nIt should be noted that any inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done though fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry with each company. These inquires are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file.\n\nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report an accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do mot belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be UPDATED and/or DELETED! \n\nCREDIT INQUIRES XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Policy states... \nAccording to the FAIR CREDIT REPORTING ACT \\ '' FCRA\\ '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy...\n\n( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection ( O, if the completeness or accuracy of any item of information contained in a consumer\\ 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\nThe FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ).\n\nGeneral Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections Duty to Correct and Upd\nate Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( I ) ( B ).\n\nIf a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).\n\nFurnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a \\ '' credit repair organization.\\ '' Section 623 ( a ) (. Federal regulations are available at www.consumerfinance.gov/learnmore.Section 623 ( a ) ( Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( I ) ( A ) and Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the All furnishers must have in place reasonable procedures to respond to notifications from CRAS that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish Information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( 0.\n\nThe CFPB\\ 's website, www.consumerfinance.gov/learnmore, has more information about the FCRA , including publications for business and the full text of the FCRA .\n\nCitations for FCRA sections in the U.S. Code, IS U.S.C. 1681 et seq. : I have provided all of the above listed items within this package. Therefore, I expect these listed accounts to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. \nSincerely, XXXX XXXX","date_sent_to_company":"2024-02-29T00:32:22.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92880","tags":null,"has_narrative":true,"complaint_id":"8440132","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-28T23:52:10.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I <em>have</em> filed a report with the Federal Trade Commission, which I <em>have</em> enclosed within this dispute package. I <em>have</em> reached out to all of these creditors and <em>have</em> <em>made</em> them aware that these accounts were fraudulently opened, and they <em>have</em> known this for several months, but <em>have</em> yet to remove these accounts from my credit reports. Some of the creditors <em>have</em> been cooperative and <em>have</em> removed the accounts, but others <em>have</em> refused to remove the fraudulent accounts."]},"sort":[7.4456267,"8440132"]},{"_index":"complaint-public-v1","_id":"10455744","_score":7.4456267,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Department, This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the XXXX Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me. Policy states... \nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the XXXX pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last Friday, on XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( \" CARES Ad ' ), which provides critical emergency assistance to consumers and businesses affected by XXXX and includes provisions addressing consumer reporting requirements. \nConsumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over 200 million consumers in the United States who have credit files and trade lines furnished by over 10,000 providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, accommodation, the furnisher report the credit obligation or account as current; or ( Il ) if the credit obligation or account was delinquent before the maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current '' ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended. Rendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to very large financial services firms, each of which will face unique challenges due to the XXXX pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agencies or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate disputes submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant. \nThe Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable.\n\nRegulatory Requirements This Policy Statement is a non-binding general statement of policy articulating considerations relevant to the Bureau 's exercise of its supervisory and enforcement authorities. It is therefore exempt from the notice and comment rule making requirements under the Administrative Procedure Act pursuant to 5 USC 553 ( b ). Because no notice of proposed rule making is required, the Regulatory Flexibility Act does not require an initial or final regulatory flexibility analysis. See 5 USC 603 ( a ), 604 ( a ). The Bureau has determined that this Policy Statement does not impose any new or revise any existing record keeping, reporting, or disclosure requirements on covered entities or members of the public that would be collections of information requiring OMB approval under the Paperwork Reduction Act, 44 USC 3501-3521.\n\nThe trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.\n\nI have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. \nI made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.\n\nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. \nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these account accounts/items doesnt belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! \nPolicy states... \nAccording to the FAIR CREDIT REPORTING ACT \" FCRA '', Section 1681c ( 2 ) Block of information resulting from identity theft.\n\n1. Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of...\n\n1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer.\n\nAll furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore.\n\nNOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross-referenced to the.U.S Code is at the end of this document.\n\nSection 623 imposes the following duties upon furnishers : Accuracy Guidelines results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( C ) and ( b ) ( 1 ) Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section Promptly modify or delete the information, or block its reporting. Section Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when .it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ).\n\nDuty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ).\n\nAny person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to \" nationwide '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B.\n\nDuties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.\n\nDuties When ID Theft Occurs Including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligations.\n\nThe Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the XXXX pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system.\n\nBelow are examples of the flexibility the Bureau intends to provide in the consumer reporting system. \nFurnishing Consumer Information Impacted by XXXX : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by XXXX to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy as a whole. \nThe CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by XXXX XXXXXXXX who have sought such accommodations from their lendersl .The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so. \nMany furnishers are or will be offering consumers affected by XXXX various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of XXXX. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing.\n\nDisputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30-day period.\n\nThe Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that pose challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavirus Aid, Relief, and Economic Security Act, Pub. L. No. 116-136, 5 4201 ( XXXX ) ( stating that, with certain exceptions, \" if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account Of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. \nThese original creditors are being reported incorrectly, and/or the accounts do not belong to me. \n\n1. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. \n\n\nPolicy States According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) Procedure in Case of Disputed Accuracy ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required a. In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly thorough a reseller, of such dispute free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means to you, this credit reporting agency, are reporting incorrect accounts.\n\nFinally, you are reporting the INQUIRES that are a result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below listed and companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquires.\n\nInquires that are made by someone else without my authorization is not a factual record of access to my credit, it is a fraudulent activity, and it must be addressed as such. The reason that these inquires are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquires were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA.\n\nIt should be noted that any inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done though fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry with each company. These inquires are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file.\n\nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report an accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do mot belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be UPDATED and/or DELETED! \n( SEE THE ENCLOSED EXHIBIT OF FRAUDULENT INQUIRIES BEING DISPUTED ) CREDIT INQUIRES DATE OF INQUIRY : Policy states... \nAccording to the FAIR CREDIT REPORTING ACT \" FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy...\n\n( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection ( O, if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\nThe FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ). \nGeneral Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( I ) ( B ).\n\nIf a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).\n\nFurnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a \" credit repair organization. '' Section 623 ( a ) (?. Federal regulations are available at www.consumerfinance.gov/learnmore.Section 623 ( a ) (?\n\nDuties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( I ) ( A ) and Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the All furnishers must have in place reasonable procedures to respond to notifications from CRAS that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish Information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( 0.\n\nThe CFPB 's website, www.consumerfinance.gov/learnmore, has more information about the FCRA, including publications for business and the full text of the FCRA.\n\nCitations for FCRA sections in the U.S. Code, IS U.S.C. 1681 et seq. : I have provided all of the above listed items within this package. Therefore, I expect these listed accounts to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. \nSincerely, XXXX XXXX XXXX : Identity Theft report Proof of Identity Copy of Account Statements showing Fraudulent Items FTC Notice to Furnishers","date_sent_to_company":"2024-10-16T00:32:45.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30318","tags":"Servicemember","has_narrative":true,"complaint_id":"10455744","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-16T00:21:40.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I <em>have</em> filed a report with the Federal Trade Commission, which I <em>have</em> enclosed within this dispute package. I <em>have</em> reached out to all of these creditors and <em>have</em> <em>made</em> them aware that these accounts were fraudulently opened, and they <em>have</em> known this for several months, but <em>have</em> yet to remove these accounts from my credit reports. Some of the creditors <em>have</em> been cooperative and <em>have</em> removed the accounts, but others <em>have</em> refused to remove the fraudulent accounts."]},"sort":[7.4456267,"10455744"]},{"_index":"complaint-public-v1","_id":"10741046","_score":7.4394045,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX IVE submitted updated drivers license my minor children, DOJ FBI VNS FTC REPORTS CFPB XXXX XXXX ORDERED DOCUMENTS FROM THE JUDGE STAMPED AND SEALED AMENDED BIRTH CERTIFICATE IM BEING RETAILITATED AGAINST DUE TO MY DL SSN NAME ALL CHANGED. My kids and. Sufffered medical malpractice due to misuse of our XXXX TAX FRAUD IVE ATTACHED EVERYTHING DUE TO DEVICES MAILED COMPRMOSED BEFORE I GET THEM IT APPEARS IM THE CRIMINAL THEY REFUSE TO REMOVE THE FRAUD NEGATIVE INFO ON MY REPORT. \nIn recent years, my family and I have been victims of numerous data breaches, fraudulent activities, and ongoing issues with medical, financial, and personal information. We were notified of a medical data breach through XXXX, impacting me and my XXXX children. Since then, I have received no settlement payments from major breaches, including XXXX XXXX, XXXX, Equifax, or Bank XXXX XXXX. Additionally, neither my children nor I have received any victims compensation from the Department of Justice, despite proof of victimization, which I have attached. \nIn XXXX, due to issues with our XXXX, our XXXX numbers were changed in an emergency by the South Carolina XXXX XXXX XXXX. The inspector assigned to the case was XXXX XXXX. After this change, I was accused of XXXX fraud. Initially, officials claimed it was a systematic error but later reversed their stance, suggesting I committed fraud, which I categorically deny. Despite my honesty and record-keeping, this accusation was sent to addresses where suspects, such as my mother XXXX XXXX XXXX XXXX XXXX XXXX ) and my sister, reside. This systematic error negatively impacted my financial situation and my familys stability. The address XXXX XXXX XXXX in XXXX, SC, has been linked to XXXX and other records with fraudulent updates, despite never being associated with me personally. \n\nFurther, in XXXX of this year, unauthorized access to my and my childrens medical and financial records was documented, with information accessed monthly. I have had to repeatedly request the removal of a middle initial mistakenly added to my name on South Carolina XXXX XXXX. Despite assurances each time that it would be corrected, the issue persists. This is compounded by issues with phone numbers linked to breached accounts from XXXX, such as XXXX, XXXX, and XXXX. These breaches and unauthorized uses of my personal information have been verified through phone provider records. \n\nNotably, the Department XXXX XXXX XXXX ( XXXX ) appears connected to some discrepancies. For example, while my XXXX benefits and associated records display my updated legal name, my benefits recertification information was suddenly switched back to my old name without explanation. Despite showing evidence of these discrepancies to officials, my benefit records have been manipulated to misrepresent my identity and financial standing. \n\nSimilarly, changes in records have affected my insurance and federal records. Unauthorized individuals manipulated my XXXX account and benefits, compromising my IP address, email authentication, and even my insurance with XXXX XXXX. Recently, fraudulent XXXX charges appeared on my insurance on XX/XX/XXXX, despite my lack of involvement. \n\nAdditional fraud has involved relatives. For instance, my sons father recently won a settlement of {$190000.00} in XX/XX/XXXX in XXXX, yet child support adjustments have been erratic, likely due to changes in XXXX and health information. XXXX XXXX noted my mothers involvement in our records, despite my request to remove her due to misuse of my information. \n\nIn XXXX, I observed unusual financial XXXX among relatives who were previously in debt but suddenly gained perfect credit. I suspected fraud, involving a XXXX associate and manipulation of XXXX records, which at XXXX point falsely listed me as the owner of a hotel with foreign employees. My former business, XXXX XXXX XXXX, was taken from me after presenting a multi-million-dollar entertainment concept to XXXX XXXX. Following this meeting, my devices were compromised, stolen, and accessed without authorization, severely impacting my career. \n\nMy current employer, XXXX XXXX XXXX, has also mishandled my compensation and benefits. After suffering a XXXX in XX/XX/XXXX, I qualified for medical leave but have yet to receive payment. Similarly, after my emergency hysterectomy in XXXX, I did not receive my full XXXX pay. In XXXX, I was shorted XXXX hours. Equipment issues were frequent, and the company appeared to hinder my ability to work by sending defective towers and assigning me to classes with inadequate resources. At XXXX point, a neighbor brought a box of equipment that XXXX confirmed had been sent to the wrong address by XXXX, compromising my security. Despite following all protocol and returning faulty equipment, the company claimed they had not received it, affecting my employment eligibility. \n\nEarlier this year, I faced issues with Concentrixs recruiter, who falsely claimed I needed a drug test, which I passed. Despite my repeated attempts to follow up, I never received responses or job confirmation. Meanwhile, XXXX unlawfully reported incorrect wages to the Social Security XXXX, resulting in a decrease in my sons XXXX benefits. Furthermore, the XXXX has provided inconsistent information about these reports, adding to our ongoing hardship. \n\nMy and my childrens medical records have also been tampered with. For example, despite having XXXX XXXX XXXX listed in my XXXX XXXX records, my primary care provider has said otherwise, leading to medical misdiagnoses. Billing inconsistencies, such as the erroneous {$80000.00} charges to XXXX for services I never received, illustrate these fraudulent practices. When I reported these discrepancies, the primary care provider unjustly dismissed me from her practice. \n\nOn several occasions, our personal records and belongings have been stolen from our home. Mail theft, unauthorized entries, and missing personal documents are regular occurrences. Recently, when XXXX requested my high school diploma, I discovered it had been stolen, along with my childrens report cards and certifications. \n\nWith evidence of multiple orchestrated financial crimes and unauthorized access to our personal, financial, and medical records by various individuals and organizations, I am seeking immediate action. This includes : XXXX. Changes to my and my childrens names. \nXXXX. Sealing of our medical record numbers, clinical records, and account histories to prevent further misuse. \nXXXX. Investigation into companies involved, including XXXX, XXXX, and other associated agencies. \n\nThese actions, constituting fraud, identity theft, unauthorized access, XXXX violations, discrimination, and retaliation, have created an unsafe environment for my family and inflicted significant financial, emotional, and physical distress. I request that immediate steps be taken to secure our information and hold responsible parties accountable. \nOver the past year, I have experienced an orchestrated pattern of financial, employment, and medical mismanagement by various organizations and individuals. The cumulative effects of these incidents have led to severe personal, medical, and financial hardship for my family and me. I implore you to address these issues with the utmost urgency, as they have impacted my health, my childrens well-being, and our financial stability. \nPersonal Background and Employment Issues with XXXX XXXX XXXX I am a single mother of XXXX children, and until recently, I was employed with XXXX XXXX XXXX. I experienced multiple incidents of payroll inconsistencies, mismanagement, and unaddressed medical leave issues due to my XXXX in XX/XX/XXXX and a prior emergency hysterectomy in XX/XX/XXXX. Despite being eligible for medical leave under federal law, I encountered severe delays and missing paychecks, including errors in my XXXX and XX/XX/XXXX payroll. XXXX withheld portions of my income during these times, creating significant financial strain. Despite my best efforts to resolve these issues internally, I was encouraged by my supervisor, XXXX XXXX, to file for unemployment, which led to additional complications. \n\nOn top of that, I faced unusual and unethical recruitment practices in XX/XX/XXXX, when I was asked to take a drug screening for a new assignment that was, according to XXXX, urgent. During this process, I encountered irregularities, including late-night calls from the recruiter, delays, and unreturned messages. Although I passed the test, the recruiter stopped responding after confirming the validity of my prescription medications. I was left without employment, and my attempts to reach XXXX or XXXX XXXX about this recruiter were met with dismissal. This left me stranded financially and emotionally, as I felt I was being set up to fail without any recourse. \n\nMoreover, I discovered frequent alterations to my tax withholding information within the XXXX system between XXXX and XX/XX/XXXX. Despite repeatedly adjusting my XXXX to reflect my head-of-household status with XXXX dependents, it was changed back to XXXX allowances without my consent. I provided proof to XXXX, but this continued unchecked. \n\nMedical and XXXX XXXX XXXX I have a complex medical history, including childhood XXXX XXXX and XXXX concerns, which have been mishandled and misdiagnosed by both XXXX XXXX XXXX XXXX and XXXX XXXX. Following my XXXX, which was initially recorded as a mild XXXX ( TIA ), my medical records were altered to indicate a diagnosis of hemiplegic migrainesa condition my son, not I, suffers from. This falsification has led to additional complications in my treatment and care, as my true medical needs have not been addressed. \n\nMy children and I have also faced issues with XXXX and XXXX. There are records falsely listing XXXX as XXXX, and despite requesting corrections, the errors persist. Our medical charts contain inaccurate information, including previous diagnoses, and unauthorized changes to my name and other details have resurfaced despite multiple updates. The confusion around these records has not only impacted our ability to receive proper medical care but has caused my sons XXXX benefits to decrease based on false wage reporting by XXXX. The inaccuracies in our medical histories have left us without essential treatments and correct medical advice, placing our health in jeopardy. \n\nMail Theft, Identity Theft, and XXXX XXXX I have experienced repeated mail theft, including the unauthorized removal of important documents such as my high school diploma, my childrens report cards, and various personal identification papers. On XXXX occasion, my home was left open, and my childs football game folder, which contained sensitive identification documents, was disturbed. These repeated invasions have left my family feeling vulnerable and unsafe. \n\nIn addition, I have encountered false tax documents and compromised IRS returns. XXXX forms showing electronic signatures have appeared without my knowledge, and previous years returns were tampered with, creating suspicion that I completed forms I did not. Concerningly, Ive noticed unusual discrepancies involving the Federal Reserve, where records tied to my settlements and victims compensation have been altered, preventing those funds from reaching me. Compounding this, my tax information has been altered to show false wages that caused financial setbacks, such as my sons XXXX reduction. \n\nOn multiple occasions, I have observed unauthorized changes to our benefits, accounts, and medical information from unidentified foreign sources in the XXXX, XXXX, and XXXX. Ive seen indicators suggesting that my documents are being manipulated and sold, including when XXXX documentation unexpectedly appeared on my personal devices. The situation has escalated to XXXX XXXX that my familys personal and financial records are being remotely accessed and modified, creating continual disruption to our financial and medical security. \n\nUrgent Request for Action These interconnected actions have violated numerous federal laws, including : XXXX Violations : Unauthorized access and alteration of medical records, resulting in misdiagnoses and incorrect medical treatment. \nXXXX XXXX Violations : Wrongful termination and mishandling of medical leave rights and pay by XXXX. \nSocial Security XXXX Violations : False reporting of wages to the XXXX, leading to wrongful reductions in XXXX benefits. \nIdentity Theft and XXXX XXXX : Manipulation of personal information, tax records, and financial data, impacting access to settlements and benefits. \nVictims Rights Violations : Withholding of victims compensation and child support deposits, likely due to altered banking records. \n\nThe cumulative impact of these issues is more than financial ; it has placed my familys health, well-being, and sense of security at grave risk. I request immediate intervention to investigate these ongoing issues, enforce accountability among involved parties, and ensure that our recordsmedical, employment, and financialare corrected and secured. \n\nThank you for your attention to this matter. I am prepared to provide any additional documentation needed and am hopeful that with your assistance, my family and I can regain control over our health, financial stability, and personal security. \n\nI am urgently reaching out to address suspected fraud and identity misuse affecting my account and linked records, with the goal of correcting these errors and ensuring the privacy and safety of my familys energy services. This situation has caused significant concern for our household security, and I request your immediate assistance in investigating and removing fraudulent data associated with my account. \n\nSuspected Fraudulent Activity and Urgent Concerns There are multiple emails, addresses, and phone numbers that I have discovered associated with my XXXX XXXX account and records, which I did not authorize. The following emails in XXXX and XXXX fraudulent. I am asking for them to be immediately deleted from any association with my XXXX XXXX account or records. \n\nOn XX/XX/XXXX, I requested that the account for meter XXXX XXXX XXXX, XXXX, SC reflect my updated information, including my new name, Social Security number, and drivers license number. However, my records do not show this update, and neither do they list other addresses I have lived at under my old name. These addresses include : XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX Lakecrest Apartments in XXXX, SC XXXX XXXX XXXX in Taylors, SC XXXX XXXX XXXX XXXX, XXXX XXXX?, XXXX, SC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX This discrepancy is a serious issue, as it leaves my new identity information unlinked, while fraudulently assigned addresses remain on record. I request either the removal of XXXX XXXX XXXX from my account or the addition of my legitimate, previous addresses under my old identity. Currently, my consumer report lists a fraudulent address that was never mine and that I believe was being used by others while I maintained my own separate residence. \n\nFraudulent Use of My Identity and That of My Children Between XX/XX/XXXX and now, there have been individuals who have repeatedly used my name and my minor childrens names to obtain services and hide behind our identities. Specifically, XXXX XXXX XXXX, XXXX, SC XXXX appears fraudulently in my records as an address someone else used to access my information and receive my drivers license. \n\nThose I believe responsible for using my identity fraudulently include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These individuals have misused my identity and that of my minor children, XXXX XXXX XXXX and XXXX XXXX XXXX, in various financial schemes, manipulating records and identities linked to XXXX XXXX. It is essential that no accounts, direct deposits, or service addresses associated with these names, or variations like XXXX XXXX or XXXX XXXX, be linked to my XXXX XXXX account. \n\nXXXX XXXX and Billing Concerns It has come to my attention that fraudulent deposits marked as child support are being associated with my XXXX XXXX account. I also see discrepancies in my billing statements, with statements showing XXXX, OH as the merchant location, while my receipts indicate XXXX, NC. This inconsistency raises serious concerns about the integrity of these charges and possible unauthorized use. \n\nFurthermore, I have noted unusually high energy bills when our lights are on, which directly affects my familys health, as we experience symptoms of sickness when lights are used for extended periods. This unusual billing and possible connection with external deposits must be investigated, as it suggests potential fraudulent activity that could jeopardize our energy security. \n\nRequest for XXXX XXXX I am asking XXXX XXXX to take immediate steps to : XXXX. Remove fraudulent emails ( XXXX and XXXX ) and phone numbers associated with my account. \nXXXX. Correct my address history by either removing XXXX XXXX XXXX or adding legitimate past addresses under my old identity. \nXXXX. Investigate and remove unauthorized accounts or deposits connected to names used fraudulently, including aliases associated with my childrens names. \nXXXX. Examine discrepancies in billing statements and merchant location data, as these XXXX indicate unauthorized activity affecting my account. \n\nMy family depends on XXXX XXXX secure and reliable service, and any errors or fraud in our records directly impact our daily lives and well-being. I trust that XXXX XXXX will investigate and resolve these issues quickly to ensure the integrity of our account and the safety of our home. \nI am detailing the complex misuse of my identity and records by family members, which has led to financial and legal confusion. \n\nXXXX. Address and XXXX Records : Although my sister does not use my address with XXXX, XXXX with the Department of XXXX and XXXX XXXX XXXX XXXX ) XXXX her under my address. This has led to a mix-up, as the court records show payments from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the determination of who is responsible for certain obligations. \nXXXX. Medical Record Number ( XXXX ) Discrepancies : At the hospital, I am listed under XXXX separate MRNsone for XXXX XXXX and another for XXXX XXXX XXXX. My sons XXXX was also changed without my consent. These discrepancies suggest attempts to use our medical records to forge identities or claim benefits fraudulently. \nXXXX. IRS Form XXXX Corrections : In XX/XX/XXXX, I received XXXX corrected IRS Forms XXXX, despite no legitimate reason for such changes. This suggests manipulation of our records, possibly to alter tax or insurance status. \nXXXX. Tax Filing Irregularities : I filed with XXXX XXXX XXXX XXXX XXXX and expected a refund of {$6200.00} ; however, I only received {$5100.00}. I believe my sons father manipulated tax information, possibly claiming benefits as the head of household. Despite records showing my daughter is the head of household, corrections continue to misclassify this status. \nXXXX. XXXX XXXX and XXXX Discrepancies : My sons financial deposit history begins with XXXX, identical to numbers found in XXXX records for liens and judgments related to me as a victim. Previous checks issued to me as restitution for victimization are now missing, and XXXX Carolinas Disbursement Unit ( SC SDU ) is not recording deposits to my account ( XXXX ), though some deposits appear in FHE format ( indicating possible child support or benefits for family household expenses ). \n\nThe extensive misuse of my personal information, medical and tax records, and financial deposits has caused both personal and financial harm. I am seeking thorough investigation and corrective action. \nI am filing this complaint to report extensive fraud involving forged medical and financial records linked to my family. Specifically, my sons XXXX, XXXX XXXX XXXX, and other family members have allegedly altered my childrens medical records at XXXX XXXX and XXXX XXXX under my former name, XXXX XXXX. Theyve manipulated record numbers and listed incorrect dates of service, even though XXXX XXXX lived in XXXX since XXXX. Furthermore, I have evidence showing XXXX distinct medical record numbers for XXXX XXXX and XXXX XXXX XXXX. \nXXXX recently won a {$200000.00} lawsuit at XXXX XXXX. Additionally, when he falsely accused me of criminal domestic XXXX ( XXXX ), the public index records show my name twice instead of his, further indicating fraudulent misuse of my identity. I have also found evidence that XXXX signed as my sons birth parent, using fraudulent documents to access benefits and funds without my consent. \nI also uncovered misuse of XXXX benefits in our medical records, falsely indicating absent parent support. In the Child Support Portal, over {$1000.00} in payments meant for my son has been held by the South Carolina State Disbursement Unit without explanation. Additionally, it appears my tax returns were forged and intercepted, with {$5100.00} issued on a fraudulent check from XXXX & XXXX XXXX XXXX instead of the original {$6200.00} owed. \nI have evidence suggesting a XXXX XXXX account was linked to my Treasury XXXX account under my new identity without my authorization. Despite removing certain addresses, XXXX and XXXX XXXX XXXX records show XXXX continued to use my address. The ongoing manipulation of my records has been substantiated by documents, and my XXXX data was also accessed without permission. I am seeking corrective action and an investigation into these fraudulent activities, which have left me financially compromised. \n\n\nSubject : Urgent Report of Financial and Privacy Violations, Medical Record Manipulation, and Fraudulent Activity To Whom It XXXX Concern, I am writing to urgently bring to your attention a series of serious violations and fraudulent activities that have caused significant financial hardship, emotional distress, and breaches of privacy for both myself and my children. We have become victims of what appears to be a carefully orchestrated scheme involving unauthorized access to medical records, misuse of personal information, and the misallocation of benefits. The following outlines in detail the specific violations, the individuals involved, and the detrimental impact this has had on our lives. \n\nXXXX. XXXX XXXX XXXX and Misdiagnosis My sons medical records at XXXX XXXX reveal troubling discrepancies, particularly an instance where his father, XXXX XXXX XXXX, signed as the patient for a visit. He did not sign as the legal guardian or authorized representativehe signed as if he were my son, which is neither accurate nor authorized. Additionally, my sons medical record number for this visit does not match the number assigned to him at birth. This inconsistency raises serious concerns about tampering and unauthorized access to our medical records. \n\nFurther, I suffered a XXXX in XX/XX/XXXX. However, records at XXXX XXXX XXXX ( connected to XXXX XXXX and XXXX XXXX ) indicate my son was admitted for hemiplegic migraines on the exact dates of my hospitalization, suggesting either gross error or intentional misrepresentation. This not only complicates my own diagnosis but has led to an inappropriate medical history being attached to my son. \n\nXXXX. Financial Hardship and Incorrect XXXX Benefit Allocation Recently, the Social Security XXXX reduced my sons XXXX benefits, citing funds he supposedly received from his father, who has not made any child support payments for over XXXX months. Despite my providing evidence of this nonpayment, the XXXX has continued to decrease his benefits. This financial burden has caused me great hardship and confusion, especially as my sons fathers unpaid child support was supposed to be offset against my tax refund, which was delayed for XXXX months and ultimately arrived short by over {$2000.00}. \n\nAdditionally, the Department XXXX XXXX XXXX ( XXXX ) has been deducting child support for XXXX, yet only for my son, XXXX, and not my other child. XXXX claimed no offset was done, which conflicts with earlier communications. It has also come to my attention that my insurance through XXXX XXXX XXXX XXXX XXXX, XXXX assurances from XXXX administrators XXXX I owe no TANF obligations. This misrepresentation of benefits further amplifies my financial distress. \n\nXXXX. XXXX XXXX and XXXX XXXX Evidence suggests that someone XXXX have gained unauthorized access to my online records and accounts. My IP address has shown unusual access points from XXXX, where my sons father resides. In XXXX, someone using a XXXX device accessed my XXXX account without my authorization, specifically connected to XXXX XXXX. I have explained these issues to the Department of Treasury and the Department of XXXX, but the concerns persist. \n\nAdditionally, a detective revealed that my sister had used my address with the Department XXXX XXXX and XXXX XXXX, although her name does not appear in the XXXX system. Her use of my address for state services could be contributing to the financial and identity confusion affecting us. This misuse of my address and personal information by family members, combined with unauthorized access to my accounts, suggests a significant compromise of my personal privacy and civil rights. \n\nXXXX. Forgery, Misrepresentation, and Potential Financial Gain On XX/XX/XXXX, my sister reportedly forged my signature, making it appear that my son was in the hospital at the same time I was. This forged record enabled further manipulation of our medical history and potentially allowed for financial claims I did not authorize. In addition, school records have inexplicably reversed the roles between myself and my daughter, listing me as the student and her as the parent, which further indicates identity tampering and misrepresentation. \n\nSubjects Involved and Methods Used XXXX XXXX XXXX : Used my sons medical information, signing as the patient at XXXX XXXX without authorization. The motives appear to be tied to manipulating medical records and possibly accessing benefits fraudulently. \nMy Sister : Forged my signature, used my address with the Department XXXX XXXX XXXX and XXXX, and XXXX have contributed to the ongoing misrepresentation issues with the XXXX and state agencies. \nDepartment XXXX XXXX XXXX ( XXXX ) : Deducted child support for XXXX but failed to apply it correctly, resulting in unexplained benefit misallocations and tax offset confusion. \n\nThese actions have collectively created a web of complications that leave XXXX vulnerable, financially strained, and emotionally distressed. Our rights to privacy, fair treatment, and accurate benefits allocation have been compromised. The effects of these ongoing issues are profound and have disrupted every aspect of our lives, leading to financial instability and unwarranted emotional trauma. \n\nRequest for Urgent Intervention I urge your office to investigate the following : Unauthorized Medical Record Access and Forgery : Violations under XXXX due to unauthorized changes and access to medical records. \nSocial Security XXXX : Manipulation of XXXX benefits and associated financial documents, resulting in incorrect benefit allocation. \nXXXX XXXX : Potential manipulation of child support payments, XXXX misallocation, and missing tax offsets. \nIdentity Theft and Impersonation : Fraudulent use of my address and unauthorized access to my records, resulting in compromised privacy and civil rights violations. \nWe have become victims treated as criminals, facing unwarranted scrutiny and reduction in necessary benefits. I respectfully ask for an in-depth investigation to provide relief, clarity, and accountability for those responsible. Thank you for your attention to this matter, and I look forward to your prompt response.","date_sent_to_company":"2024-11-09T19:30:12.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"296XX","tags":"Servicemember","has_narrative":true,"complaint_id":"10741046","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-09T18:41:16.000Z","state":"SC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The confusion around these records has not only <em>impacted</em> our ability to receive proper medical <em>care</em> but has caused my sons XXXX benefits to decrease based on false wage reporting by XXXX. The inaccuracies in our medical histories <em>have</em> left us without essential treatments and correct medical advice, placing our health in jeopardy."]},"sort":[7.4394045,"10741046"]},{"_index":"complaint-public-v1","_id":"9530739","_score":7.238249,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"LIVING FUND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department, This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the XXXX Pandemic. The accounts that are being disputed, are either in violation of the XXXX XXXX or do not belong to me. Policy states... \nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the XXXX pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last Friday, on XX/XX/XXXX, the XXXX signed the Coronavirus Aid, Relief, and Economic Security Act ( \" CARES Ad ' ), which provides critical emergency assistance to consumers and businesses affected by XXXX and includes provisions addressing consumer reporting requirements. \nConsumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over XXXX XXXX consumers in the United States who have credit files and trade lines furnished by over XXXX providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, accommodation, the furnisher report the credit obligation or account as current; or ( Il ) if the credit obligation or account was delinquent before the maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current '' ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended. Rendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to very large financial services firms, each of which will face unique challenges due to the XXXX pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agencies or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate disputes submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant. \nThe Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable. \nRegulatory Requirements This Policy Statement is a non-binding general statement of policy articulating considerations relevant to the Bureau 's exercise of its supervisory and enforcement authorities. It is therefore exempt from the notice and comment rule making requirements under the Administrative Procedure Act pursuant to 5 USC 553 ( b ). Because no notice of proposed rule making is required, the Regulatory Flexibility Act does not require an initial or final regulatory flexibility analysis. See 5 USC 603 ( a ), 604 ( a ). The Bureau has determined that this Policy Statement does not impose any new or revise any existing record keeping, reporting, or disclosure requirements on covered entities or members of the public that would be collections of information requiring OMB approval under the Paperwork Reduction Act, 44 USC 3501-3521. \nThe trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( XXXX ) responsible for creating these accounts. \nI have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. \nI made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. \nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. \nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these account accounts/items doesnt belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! \nPolicy states... \nAccording to the FAIR CREDIT REPORTING ACT \" FCRA '', Section 1681c ( 2 ) Block of information resulting from identity theft. \n1. Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of...\n\n1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer.\n\nAll furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore. \nNOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross-referenced to the.U.S Code is at the end of this document.\n\nSection 623 imposes the following duties upon furnishers : Accuracy Guidelines results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( C ) and ( b ) ( 1 ) Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section Promptly modify or delete the information, or block its reporting. Section Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when .it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ).\n\nDuty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ).\n\nAny person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to \" nationwide '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B. \nDuties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information. \nDuties When ID Theft Occurs Including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligations. \nThe Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the XXXX pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system.\n\nBelow are examples of the flexibility the Bureau intends to provide in the consumer reporting system. \nFurnishing Consumer Information Impacted by XXXX : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by XXXX to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy as a whole. \nThe CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by XXXX XXXXXXXX who have sought such accommodations from their lendersl .The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so. \nMany furnishers are or will be offering consumers affected by XXXX various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of XXXX. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing. \nDisputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30-day period.\n\nThe Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that pose challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavirus Aid, Relief, and Economic Security Act, Pub. L. No. 116-136, 5 4201 ( 2020 ) ( stating that, with certain exceptions, \" if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account Of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. \nThese original creditors are being reported incorrectly, and/or the accounts do not belong to me. \n\n1. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\n\nPolicy States According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) Procedure in Case of Disputed Accuracy ( a ) Reinvestigation of Disputed Information ( XXXX ) Reinvestigation Required a. In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly thorough a reseller, of such dispute free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means to you, this credit reporting agency, are reporting incorrect accounts.\n\nFinally, you are reporting the INQUIRES that are a result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below listed and companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquires.\n\nInquires that are made by someone else without my authorization is not a factual record of access to my credit, it is a fraudulent activity, and it must be addressed as such. The reason that these inquires are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquires were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA.\n\nIt should be noted that any inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done though fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry with each company. These inquires are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file.\n\nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report an accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do mot belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be UPDATED and/or DELETED!\n\n( SEE THE ENCLOSED EXHIBIT OF FRAUDULENT INQUIRIES BEING DISPUTED ) CREDIT INQUIRES DATE OF INQUIRY : Policy states...\n\nAccording to the FAIR CREDIT REPORTING ACT \" FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy...\n\n( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection ( O, if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\nThe FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ).\n\nGeneral Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( I ) ( B ).\n\nIf a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).\n\nFurnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a \" credit repair organization. '' Section 623 ( a ) (?. Federal regulations are available at www.consumerfinance.gov/learnmore.Section 623 ( a ) (?\n\nDuties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( I ) ( A ) and Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the All furnishers must have in place reasonable procedures to respond to notifications from CRAS that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish Information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( 0.\n\nThe CFPB 's website, www.consumerfinance.gov/learnmore, has more information about the FCRA, including publications for business and the full text of the FCRA.\n\nCitations for FCRA sections in the U.S. Code, IS U.S.C. 1681 et seq. : I have provided all of the above listed items within this package. Therefore, I expect these listed accounts to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.\n\nSincerely, Enclosures : Identity Theft report Proof of Identity Copy of Account Statements showing Fraudulent Items FTC Notice to Furnishers","date_sent_to_company":"2024-07-16T17:33:30.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"23666","tags":null,"has_narrative":true,"complaint_id":"9530739","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2024-07-16T17:22:20.000Z","state":"VA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I <em>have</em> filed a report with the Federal Trade Commission, which I <em>have</em> enclosed within this dispute package. I <em>have</em> reached out to all of these creditors and <em>have</em> <em>made</em> them aware that these accounts were fraudulently opened, and they <em>have</em> known this for several months, but <em>have</em> yet to remove these accounts from my credit reports. Some of the creditors <em>have</em> been cooperative and <em>have</em> removed the accounts, but others <em>have</em> refused to remove the fraudulent accounts."]},"sort":[7.238249,"9530739"]},{"_index":"complaint-public-v1","_id":"10456114","_score":6.993721,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Department, This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the XXXX Pandemic. The accounts that are being disputed, are either in violation of the XXXX XXXX or do not belong to me. Policy states... \nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the XXXX pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last Friday, on XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( \" CARES Ad ' ), which provides critical emergency assistance to consumers and businesses affected by XXXX and includes provisions addressing consumer reporting requirements. \nConsumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over XXXX XXXX consumers in the United States who have credit files and trade lines furnished by over XXXX providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the XXXX XXXX XXXX market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The XXXX understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, accommodation, the furnisher report the credit obligation or account as current; or ( Il ) if the credit obligation or account was delinquent before the maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current '' ). In addition, section XXXX of the XXXX XXXX addresses the furnishing of certain student loans for which payments are suspended. Rendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to very large financial services firms, each of which will face unique challenges due to the XXXX pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the XXXX will consider a consumer reporting agencies or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. The XXXX reminds furnishers and consumer reporting agencies that they XXXX take advantage of statutory and regulatory provisions that eliminate the obligation to investigate disputes submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant. \nThe XXXX will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable. \nXXXX XXXX This XXXX XXXX is a non-binding general statement of policy articulating considerations relevant to the XXXX 's exercise of its supervisory and enforcement authorities. It is therefore exempt from the notice and comment rule making requirements under the XXXX XXXX XXXX pursuant to XXXX XXXX XXXX ( b ). Because no notice of proposed rule making is required, the XXXX XXXX XXXX does not require an initial or final regulatory flexibility analysis. See XXXX XXXX XXXX ( a ), XXXX ( a ). The XXXX has determined that this Policy Statement does not impose any new or revise any existing record keeping, reporting, or disclosure requirements on covered entities or members of the public that would be collections of information requiring XXXX approval under the Paperwork Reduction Act, XXXX XXXX XXXX. \nThe trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( XXXX ) responsible for creating these accounts. \nI have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. \nI made an attempt to file a police report, but I was informed by XXXX XXXX that it did not constitute as an emergency, and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. \nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. \nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the XXXX XXXX XXXX, report accurate and/or correct account information within my credit file. My credit issues are very specific, these account accounts/items doesnt belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! \nPolicy states... \nAccording to the FAIR CREDIT REPORTING ACT \" FCRA '', Section XXXX ( XXXX ) Block of information resulting from identity theft. \nXXXX. XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX ( XXXX ) business days after the date of receipt by such agency of... \nXXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to transaction by the consumer. \nAll furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore. \nNOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross-referenced to the.U.S Code is at the end of this document.\n\nSection 623 imposes the following duties upon furnishers : Accuracy Guidelines results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( C ) and ( b ) ( 1 ) Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section Promptly modify or delete the information, or block its reporting. Section Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when .it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ).\n\nDuty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ).\n\nAny person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to \" nationwide '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B.\n\nDuties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.\n\nDuties When ID Theft Occurs Including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligations.\n\nThe Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furni\nshers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system.\n\nBelow are examples of the flexibility the Bureau intends to provide in the consumer reporting system. \nFurnishing Consumer Information Impacted by XXXX : The Bureau reiterates XXXX prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by XXXX to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy as a whole.\n\nThe CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID 19 who have sought such accommodations from their lendersl .The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so.\n\nMany furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing.\n\nDisputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30-day period.\n\nThe Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that pose challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavirus Aid, Relief, and Economic Security Act, Pub. L. No. 116-136, 5 4201 ( 2020 ) ( stating that, with certain exceptions, \" if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account Of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.\n\nThese original creditors are being reported incorrectly, and/or the accounts do not belong to me.\n\n1. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nAPPLE CARD/GS BANK USA Account XXXX : XXXX Please remove it from my credit report. \n\n\nPolicy States According to the FAIR CREDIT REPORTING ACT FCRA XXXX ( XXXX U.S.C. XXXX ) Procedure in Case of Disputed Accuracy ( a ) Reinvestigation of Disputed Information ( XXXX ) Reinvestigation Required a. In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly thorough a reseller, of such dispute free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. \nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means to you, this credit reporting agency, are reporting incorrect accounts. \nFinally, you are reporting the INQUIRES that are a result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below listed and companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquires. \nInquires that are made by someone else without my authorization is not a factual record of access to my credit, it is a fraudulent activity, and it must be addressed as such. The reason that these inquires are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquires were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. \nIt should be noted that any inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done though fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry with each company. These inquires are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file.\n\nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report an accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do mot belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be UPDATED and/or DELETED!\n\n( SEE THE ENCLOSED EXHIBIT OF FRAUDULENT INQUIRIES BEING DISPUTED ) CREDIT INQUIRES DATE OF INQUIRY : Policy states...\n\nAccording to the FAIR CREDIT REPORTING ACT \" FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy...\n\n( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection ( O, if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\nThe FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ).\n\nGeneral Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( I ) ( B ).\n\nIf a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).\n\nFurnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a \" credit repair organization. '' Section 623 ( a ) (?. Federal regulations are available at www.consumerfinance.gov/learnmore.Section 623 ( a ) (?\n\nDuties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( I ) ( A ) and Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the All furnishers must have in place reasonable procedures to respond to notifications from CRAS that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish Information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( 0.\n\nThe CFPB 's website, www.consumerfinance.gov/learnmore, has more information about the FCRA, including publications for business and the full text of the FCRA.\n\nCitations for FCRA sections in the U.S. Code, IS U.S.C. 1681 et seq. : I have provided all of the above listed items within this package. Therefore, I expect these listed accounts to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. \nSincerely, XXXX XXXX XXXX : Identity Theft report Proof of Identity Copy of Account Statements showing Fraudulent Items FTC Notice to Furnishers","date_sent_to_company":"2024-10-21T17:07:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30318","tags":"Servicemember","has_narrative":true,"complaint_id":"10456114","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2024-10-16T00:32:54.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I <em>have</em> filed a report with the Federal Trade Commission, which I <em>have</em> enclosed within this dispute package. I <em>have</em> reached out to all of these creditors and <em>have</em> <em>made</em> them aware that these accounts were fraudulently opened, and they <em>have</em> known this for several months, but <em>have</em> yet to remove these accounts from my credit reports. Some of the creditors <em>have</em> been cooperative and <em>have</em> removed the accounts, but others <em>have</em> refused to remove the fraudulent accounts."]},"sort":[6.993721,"10456114"]},{"_index":"complaint-public-v1","_id":"8444022","_score":6.9698153,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Legal Department XXXX This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me. Policy states... \nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last Friday, on XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( \" CARES Ad ' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. \nConsumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over 200 million consumers in the United States who have credit files and trade lines furnished by over 10,000 providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, accommodation, the furnisher report the credit obligation or account as current; or ( Il ) if the credit obligation or account was delinquent before the maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current '' ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended. Rendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to very large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agencies or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate disputes submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant. \nThe Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable. \nRegulatory Requirements This Policy Statement is a non-binding general statement of policy articulating considerations relevant to the Bureau 's exercise of its supervisory and enforcement authorities. It is therefore exempt from the notice and comment rule making requirements under the Administrative Procedure Act pursuant to 5 USC 553 ( b ). Because no notice of proposed rule making is required, the Regulatory Flexibility Act does not require an initial or final regulatory flexibility analysis. See 5 USC 603 ( a ), 604 ( a ). The Bureau has determined that this Policy Statement does not impose any new or revise any existing record keeping, reporting, or disclosure requirements on covered entities or members of the public that would be collections of information requiring OMB approval under the Paperwork Reduction Act, 44 USC 3501-3521.\n\nThe trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. \nI have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. \nI made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. \nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. \nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these account accounts/items doesnt belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! \nPolicy states... \nAccording to the FAIR CREDIT REPORTING ACT \" FCRA '', Section 1681c ( 2 ) Block of information resulting from identity theft.\n\n1. Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of...\n\n1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer. \nAll furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore. \nNOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross-referenced to the.U.S Code is at the end of this document.\n\nSection 623 imposes the following duties upon furnishers : Accuracy Guidelines results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( C ) and ( b ) ( 1 ) Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section Promptly modify or delete the information, or block its reporting. Section Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when .it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ). \nDuty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ).\n\nAny person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to \" nationwide '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B. \nDuties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.\n\nDuties When ID Theft Occurs Including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligations. \nThe Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system.\n\nBelow are examples of the flexibility the Bureau intends to provide in the consumer reporting system. \nFurnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy as a whole. \nThe CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID 19 who have sought such accommodations from their lendersl .The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so.\n\nMany furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing.\n\nDisputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30-day period. \nThe Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that pose challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavirus Aid, Relief, and Economic Security Act, Pub. L. No. 116-136, 5 4201 ( 2020 ) ( stating that, with certain exceptions, \" if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account Of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.\n\nThese original creditors are being reported incorrectly, and/or the accounts do not belong to me.\n\n1. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\n2. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\n3. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\n4. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\n\nPolicy States According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) Procedure in Case of Disputed Accuracy ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required a. In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly thorough a reseller, of such dispute free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. \nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means to you, this credit reporting agency, are reporting incorrect accounts. \nFinally, you are reporting the INQUIRES that are a result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below listed and companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquires. \nInquires that are made by someone else without my authorization is not a factual record of access to my credit, it is a fraudulent activity, and it must be addressed as such. The reason that these inquires are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquires were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. \nIt should be noted that any inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done though fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry with each company. These inquires are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. \nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report an accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do mot belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be UPDATED and/or DELETED! \n( SEE THE ENCLOSED EXHIBIT OF FRAUDULENT INQUIRIES BEING DISPUTED ) CREDIT INQUIRES DATE OF INQUIRY : Policy states... \nAccording to the FAIR CREDIT REPORTING ACT \" FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy...\n\n( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection ( O, if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. \nThe FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ).\n\nGeneral Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( I ) ( B ).\n\nIf a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section XXXX ( a ) ( XXXX ). \nFurnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a \" credit repair organization. '' Section 623 ( a ) (. Federal regulations are available at www.consumerfinance.gov/learnmore.Section 623 ( a ) Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( I ) ( A ) and Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the All furnishers must have in place reasonable procedures to respond to notifications from CRAS that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish Information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( 0.\n\nThe CFPB 's website, www.consumerfinance.gov/learnmore, has more information about the FCRA, including publications for business and the full text of the FCRA.\n\nCitations for FCRA sections in the U.S. Code, IS U.S.C. 1681 et seq. : I have provided all of the above listed items within this package. Therefore, I expect these listed accounts to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. \nSincerely, XXXX XXXX Enclosures : Identity Theft report Proof of Identity Copy of Account Statements showing Fraudulent Items FTC Notice to Furnishers","date_sent_to_company":"2024-02-28T17:33:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60914","tags":null,"has_narrative":true,"complaint_id":"8444022","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-28T17:24:39.000Z","state":"IL","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 <em>have</em> filed a report with the Federal Trade Commission, which I <em>have</em> enclosed within this dispute package. I <em>have</em> reached out to all of these creditors and <em>have</em> <em>made</em> them aware that these accounts were fraudulently opened, and they <em>have</em> known this for several months, but <em>have</em> yet to remove these accounts from my credit reports. Some of the creditors <em>have</em> been cooperative and <em>have</em> removed the accounts, but others <em>have</em> refused to remove the fraudulent accounts."]},"sort":[6.9698153,"8444022"]},{"_index":"complaint-public-v1","_id":"10984891","_score":6.829302,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Legal Department, This is in violation of my rights reporting these accounts on my credit report. I have a right to my privacy. 15 US Code 1681 ( a ) ( 4 ).\n\nThis credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me. Policy states...\n\nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last Friday, on XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( \\ '' CARES Ad\\ ' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements.\n\nConsumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over XXXX XXXX consumers in the United States who have credit files and trade lines furnished by over XXXX providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, accommodation, the furnisher report the credit obligation or account as current; or ( Il ) if the credit obligation or account was delinquent before the maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current\\ '' ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended. Rendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to very large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agencies or furnisher\\ 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate disputes submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant.\n\nThe Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable.\n\nRegulatory Requirements This Policy Statement is a non-binding general statement of policy articulating considerations relevant to the Bureau\\ 's exercise of its supervisory and enforcement authorities. It is therefore exempt from the notice and comment rule making requirements under the Administrative Procedure Act pursuant to 5 USC 553 ( b ). Because no notice of proposed rule making is required, the Regulatory Flexibility Act does not require an initial or final regulatory flexibility analysis. See 5 USC 603 ( a ), 604 ( a ). The Bureau has determined that this Policy Statement does not impose any new or revise any existing record keeping, reporting, or disclosure requirements on covered entities or members of the public that would be collections of information requiring OMB approval under the Paperwork Reduction Act, 44 USC 3501-3521.\n\nThe trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.\n\nI have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.\n\nI made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn\\'t have any information on the person who used my information, nor did I know how my information was obtained by this person.\n\nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.\n\nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these account accounts/items doesnt belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED!\n\nPolicy states...\n\nAccording to the FAIR CREDIT REPORTING ACT \\ '' FCRA\\ '', Section 1681c ( 2 ) Block of information resulting from identity theft.\n\n1. Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of...\n\n1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer.\n\nAll furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA A list of tile sections of tile FCRA cross-referenced to the.U.S Code is at the end of this document.The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore Section 623 imposes the following duties upon furnishers : Accuracy Guidelines results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( C ) and ( b ) ( 1 ) Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section Promptly modify or delete the information, or block its reporting. Section Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when .it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ).\n\nDuty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ).\n\nAny person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to \\ '' nationwide\\ '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA . Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B.\n\nDuties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher\\ 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.\n\nDuties When ID Theft Occurs Including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligations.\n\nThe Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers\\ ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau\\ 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities\\ ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system.\n\nBelow are examples of the flexibility the Bureau intends to provide in the consumer reporting system.\n\nFurnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers\\ ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy as a whole.\n\nThe CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID 19 who have sought such accommodations from their lendersl .The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so.\n\nMany furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers\\ ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing.\n\nDisputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer\\ 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30-day period.\n\nThe Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that pose challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavirus Aid, Relief, and Economic Security Act, Pub. L. No. 116-136, 5 4201 ( 2020 ) ( stating that, with certain exceptions, \\ '' if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account Of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.\n\nThese original creditors are being reported incorrectly, and/or the accounts do not belong to me.\n\n1. I WAS NEVER LATE ON THIS ACCOUNT UPDATE TO PAID AS AGREED CAPITAL ONE PLEASE DELETE THESE ALLEGED LATE PAYMENTS FROM MY CREDIT REPORT OR SHOW ME PROOF WITH SUPPORTING DOCUMENTATION TO SHOW PROOF THAT I WAS EVER LATE IF YOU CAN NOT SUPPLY THAT INOFMRATION YOU MUST DELETE THESE ALLEGED LATE PAYMENTS FROM MY CREDIT REPORT. \n2. You can not report a late payment or balance on a charge off account. \nXXXX XXXX XXXX  Delete the entire account from my credit report due to its inaccurate and misleading reporting. \n3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. \nXXXX XXXX XXXX XXXX Please correct & update this inaccurate information on my credit report. \n4. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. \nXXXX XXXX XXXX Please correct & update this inaccurate information on my credit report. \n5. ALL UNVERIFIED ACCOUNT MUST BE PROMPTLY DELETED. I NEED YOU TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT YOU CAN NOT KEEP ON VIOLATING MY RIGHTS. \nXXXX XXXX XXXX I DEMAND THAT THIS ACCOUNT BE DELETED IMMEDIATELY FROM MY CREDIT REPORT YOU NEVER PROVIDED ANY COPY OF THE VERIFIABLE PROOF THAT YOU HAVE ON FILE FOR THIS ACCOUNT YOU CAN NOT KEEP ON VIOLATING MY RIGHTS. \n6. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" XXXX XXXX '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. XXXX Please remove it from my credit report.\n\n7. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" XXXX XXXX '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX Please remove it from my credit report. \n8. Under 15 USC 1681 ( e ) ( b ) -Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. High Balance. Dates of Last Activity Wrong. Terms Incorrect.\n\nXXXX Please Investigate and DELETE Promptly from my credit report. \nt Number : XXXX XXXX. Inaccurate date of last activity \" XXXX XXXX '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX Please Investigate and DELETE Promptly from my credit report. \nPolicy States According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) Procedure in Case of Disputed Accuracy ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required a. In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly thorough a reseller, of such dispute free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means to you, this credit reporting agency, are reporting incorrect accounts. \nFinally, you are reporting the INQUIRES that are a result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below listed and companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquires. \nInquires that are made by someone else without my authorization is not a factual record of access to my credit, it is a fraudulent activity, and it must be addressed as such. The reason that these inquires are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquires were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. \nIt should be noted that any inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done though fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry with each company. These inquires are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. \nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report an accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do mot belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be UPDATED and/or DELETED!\n\n( SEE THE ENCLOSED EXHIBIT OF FRAUDULENT INQUIRIES BEING DISPUTED ) XXXX. This inquiry was not authorized XXXX DATE OF INQUIRY : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. This inquiry was not authorized XXXX DATE OF INQUIRY : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. This inquiry was not authorized XXXX DIRE DATE OF INQUIRY : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. This inquiry was not authorized XXXX XXXX DATE OF INQUIRY : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. This inquiry was not authorized XXXX  DATE OF INQUIRY : XX/XX/XXXX Please remove it from my credit report. \n\n\nXXXX. This inquiry was not authorized XXXX  DATE OF INQUIRY : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. This inquiry was not authorized XXXX XXXX DATE OF INQUIRY : XX/XX/XXXX Please remove it from my credit report. \n\nPolicy states... \nAccording to the FAIR CREDIT REPORTING ACT \\ '' FCRA\\ '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy...\n\n( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection ( O, if the completeness or accuracy of any item of information contained in a consumer\\ 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX0-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\n. Section 623 ( e ) .The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at XXXX XXXX XXXX on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( I ) ( B ).\n\nIf a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).\n\n623 ( a ) (? Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a \\ '' credit repair organization.\\ '' Section 623 ( a ) (?. Federal regulations are available at www.consumerfinance.gov/learnmore.Section Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( I ) ( A ) and Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the All furnishers must have in place reasonable procedures to respond to notifications from CRAS that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish Information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( 0.\n\n, has more information about the FCRA, including publications for business and the full text of the FCRA.The CFPB\\ 's website, www.consumerfinance.gov/learnmore Citations for FCRA sections in the U.S. Code, IS U.S.C . 1681 et seq. : I have provided all of the above listed items within this package. Therefore, I expect these listed accounts to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.","date_sent_to_company":"2024-12-01T19:36:41.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"27703","tags":null,"has_narrative":true,"complaint_id":"10984891","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-01T19:05:01.000Z","state":"NC","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 <em>have</em> filed a report with the Federal Trade Commission, which I <em>have</em> enclosed within this dispute package. I <em>have</em> reached out to all of these creditors and <em>have</em> <em>made</em> them aware that these accounts were fraudulently opened, and they <em>have</em> known this for several months, but <em>have</em> yet to remove these accounts from my credit reports. Some of the creditors <em>have</em> been cooperative and <em>have</em> removed the accounts, but others <em>have</em> refused to remove the fraudulent accounts."]},"sort":[6.829302,"10984891"]},{"_index":"complaint-public-v1","_id":"10988193","_score":6.8264523,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Legal Department, This is in violation of my rights reporting these accounts on my credit report. I have a right to my privacy. 15 US Code 1681 ( a ) ( 4 ).\n\nThis credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me. Policy states...\n\nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last Friday, on XX/XX/XXXX, the XXXX signed the Coronavirus Aid, Relief, and Economic Security Act ( \\ '' CARES Ad\\ ' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements.\n\nConsumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over XXXX XXXX consumers in the United States who have credit files and trade lines furnished by over XXXX providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, accommodation, the furnisher report the credit obligation or account as current; or ( Il ) if the credit obligation or account was delinquent before the maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current\\ '' ). In addition, section XXXX of the CARES Act addresses the furnishing of certain student loans for which payments are suspended. Rendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to very large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agencies or furnisher\\ 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate disputes submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant. \nThe Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable. \nRegulatory Requirements This Policy Statement is a non-binding general statement of policy articulating considerations relevant to the Bureau\\ 's exercise of its supervisory and enforcement authorities. It is therefore exempt from the notice and comment rule making requirements under the Administrative Procedure Act pursuant to 5 USC 553 ( b ). Because no notice of proposed rule making is required, the Regulatory Flexibility Act does not require an initial or final regulatory flexibility analysis. See 5 USC 603 ( a ), 604 ( a ). The Bureau has determined that this Policy Statement does not impose any new or revise any existing record keeping, reporting, or disclosure requirements on covered entities or members of the public that would be collections of information requiring XXXX approval under the Paperwork Reduction Act, XXXX XXXX XXXX. \nThe trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( XXXX ) responsible for creating these accounts. \nI have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.\n\nI made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn\\'t have any information on the person who used my information, nor did I know how my information was obtained by this person.\n\nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.\n\nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these account accounts/items doesnt belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED!\n\nPolicy states...\n\nAccording to the FAIR CREDIT REPORTING ACT \\ '' FCRA\\ '', Section 1681c ( 2 ) Block of information resulting from identity theft.\n\n1. Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of...\n\n1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer.\n\nAll furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA A list of tile sections of tile FCRA cross-referenced to the.U.S Code is at the end of this document.The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore Section 623 imposes the following duties upon furnishers : Accuracy Guidelines results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( C ) and ( b ) ( 1 ) Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section Promptly modify or delete the information, or block its reporting. Section Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when .it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ).\n\nDuty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ).\n\nAny person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to \\ '' XXXX '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA . Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B.\n\nDuties When Furnishing Medical Information A furnisher whose primary business is providing XXXX XXXX, products, or devices ( and such furnisher\\ 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.\n\nDuties When ID Theft Occurs Including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligations. \nThe Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers\\ ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau\\ 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities\\ ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system.\n\nBelow are examples of the flexibility the Bureau intends to provide in the consumer reporting system.\n\nFurnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers\\ ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy as a whole.\n\nThe CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID 19 who have sought such accommodations from their lendersl .The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so.\n\nMany furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers\\ ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing.\n\nDisputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer\\ 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30-day period.\n\nThe Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that pose challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavirus Aid, Relief, and Economic Security Act, Pub. L. No. 116-136, 5 4201 ( 2020 ) ( stating that, with certain exceptions, \\ '' if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account Of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.\n\nThese original creditors are being reported incorrectly, and/or the accounts do not belong to me.\n\n1. I WAS NEVER LATE ON THIS ACCOUNT UPDATE TO PAID AS AGREED CAPITAL ONE PLEASE DELETE THESE ALLEGED LATE PAYMENTS FROM MY CREDIT REPORT OR SHOW ME PROOF WITH SUPPORTING DOCUMENTATION TO SHOW PROOF THAT I WAS EVER LATE IF YOU CAN NOT SUPPLY THAT INOFMRATION YOU MUST DELETE THESE ALLEGED LATE PAYMENTS FROM MY CREDIT REPORT.\n\n2. You can not report a late payment or balance on a charge off account. XXXX XXXX XXXX Delete the entire account from my credit report due to its inaccurate and misleading reporting. \n3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. \nXXXX XXXX XXXX XXXX  Please correct & update this inaccurate information on my credit report. \nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. \nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXX XXXX XXXX Please remove it from my credit report. \n6. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. \nXXXX XXXX XXXX Please correct & update this inaccurate information on my credit report. \nXXXX. ALL UNVERIFIED ACCOUNT MUST BE PROMPTLY DELETED. I NEED YOU TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT YOU CAN NOT KEEP ON VIOLATING MY RIGHTS. \nXXXX XXXX XXXX I DEMAND THAT THIS ACCOUNT BE DELETED IMMEDIATELY FROM MY CREDIT REPORT YOU NEVER PROVIDED ANY COPY OF THE VERIFIABLE PROOF THAT YOU HAVE ON FILE FOR THIS ACCOUNT YOU CAN NOT KEEP ON VIOLATING MY RIGHTS. \nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXX XXXX XXXX Please remove it from my credit report. \nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX  Please remove it from my credit report. \nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX Please remove it from my credit report. \n11. Under 15 USC 1681 ( e ) ( b ) -Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX. Dates of Last Activity Wrong. Terms Incorrect. \nXXXX  Please Investigate and DELETE Promptly from my credit report. \nPolicy States According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) Procedure in Case of Disputed Accuracy ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required a. In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly thorough a reseller, of such dispute free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means to you, this credit reporting agency, are reporting incorrect accounts. \nFinally, you are reporting the INQUIRES that are a result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below listed and companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquires. \nInquires that are made by someone else without my authorization is not a factual record of access to my credit, it is a fraudulent activity, and it must be addressed as such. The reason that these inquires are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquires were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. \nIt should be noted that any inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done though fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry with each company. These inquires are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. \nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report an accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do mot belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be UPDATED and/or DELETED! \n( SEE THE ENCLOSED EXHIBIT OF FRAUDULENT INQUIRIES BEING DISPUTED ) XXXX. This inquiry was not authorized XXXX XXXX XXXX DATE OF INQUIRY : XX/XX/XXXX Please remove it from my credit report. \nXXXX. This inquiry was not authorized XXXX XXXXXXXX XXXX DATE OF INQUIRY : XX/XX/XXXX Please remove it from my credit report. \nXXXX. This inquiry was not authorized XXXX XXXX XXXX DATE OF INQUIRY : XX/XX/XXXX Please remove it from my credit report. \nXXXX. This inquiry was not authorized XXXX XXXX XXXX DATE OF INQUIRY : XX/XX/XXXX Please remove it from my credit report. \nXXXX. This inquiry was not authorized XXXX XXXX XXXX DATE OF INQUIRY : XX/XX/XXXX Please remove it from my credit report. \nXXXX. This inquiry was not authorized XXXX XXXX XXXX  DATE OF INQUIRY : XX/XX/XXXX Please remove it from my credit report. \nXXXX. This inquiry was not authorized XXXX XXXX DATE OF INQUIRY : XX/XX/XXXX Please remove it from my credit report. \nXXXX. This inquiry was not authorized XXXX XXXX CREDIT DATE OF INQUIRY : XX/XX/XXXX Please remove it from my credit report. \nXXXX. This inquiry was not authorized XXXX XXXX XXXX  DATE OF INQUIRY : XX/XX/XXXX Please remove it from my credit report. \nXXXX. This inquiry was not authorized XXXX XXXX XXXX DATE OF INQUIRY : XX/XX/XXXX Please remove it from my credit report. \nPolicy states... \nAccording to the FAIR CREDIT REPORTING ACT \\ '' FCRA\\ '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy...\n\n( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection ( O, if the completeness or accuracy of any item of information contained in a consumer\\ 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\n. Section 623 ( e ) .The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( I ) ( B ).\n\nIf a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).\n\n623 ( a ) (? Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a \\ '' credit repair organization.\\ '' Section 623 ( a ) (?. Federal regulations are available at www.consumerfinance.gov/learnmore.Section Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( I ) ( A ) and Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the All furnishers must have in place reasonable procedures to respond to notifications from CRAS that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish Information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( 0.\n\n, has more information about the FCRA, including publications for business and the full text of the FCRA.The CFPB\\ 's website, www.consumerfinance.gov/learnmore Citations for FCRA sections in the U.S. Code, IS U.S.C . 1681 et seq. : I have provided all of the above listed items within this package. Therefore, I expect these listed accounts to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.","date_sent_to_company":"2024-12-01T18:47:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"27703","tags":null,"has_narrative":true,"complaint_id":"10988193","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-01T18:18:28.000Z","state":"NC","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 <em>have</em> filed a report with the Federal Trade Commission, which I <em>have</em> enclosed within this dispute package. I <em>have</em> reached out to all of these creditors and <em>have</em> <em>made</em> them aware that these accounts were fraudulently opened, and they <em>have</em> known this for several months, but <em>have</em> yet to remove these accounts from my credit reports. Some of the creditors <em>have</em> been cooperative and <em>have</em> removed the accounts, but others <em>have</em> refused to remove the fraudulent accounts."]},"sort":[6.8264523,"10988193"]},{"_index":"complaint-public-v1","_id":"9625778","_score":6.783514,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX  XXXX, PA XXXX XXXX Department, This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me. Policy states...\n\nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last Friday, on XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( \" CARES Ad ' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. \nConsumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over XXXX XXXX consumers in the United States who have credit files and trade lines furnished by over XXXX providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, accommodation, the furnisher report the credit obligation or account as current; or ( Il ) if the credit obligation or account was delinquent before the maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current '' ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended. Rendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to very large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agencies or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate disputes submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant.\n\nThe Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable.\n\nRegulatory Requirements This Policy Statement is a non-binding general statement of policy articulating considerations relevant to the Bureau 's exercise of its supervisory and enforcement authorities. It is therefore exempt from the notice and comment rule making requirements under the Administrative Procedure Act pursuant to 5 USC 553 ( b ). Because no notice of proposed rule making is required, the Regulatory Flexibility Act does not require an initial or final regulatory flexibility analysis. See 5 USC 603 ( a ), 604 ( a ). The Bureau has determined that this Policy Statement does not impose any new or revise any existing record keeping, reporting, or disclosure requirements on covered entities or members of the public that would be collections of information requiring OMB approval under the Paperwork Reduction Act, 44 USC 3501-3521.\n\nThe trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.\n\nI have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.\n\nI made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.\n\nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.\n\nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these account accounts/items doesnt belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED!\n\nPolicy states...\n\nAccording to the FAIR CREDIT REPORTING ACT \" FCRA '', Section 1681c ( 2 ) Block of information resulting from identity theft.\n\n1. Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of...\n\n1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer.\n\nAll furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore.\n\nNOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross-referenced to the.U.S Code is at the end of this document.\n\nSection 623 imposes the following duties upon furnishers : Accuracy Guidelines results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( C ) and ( b ) ( 1 ) Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section Promptly modify or delete the information, or block its reporting. Section Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when .it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ).\n\nDuty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ).\n\nAny person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to \" nationwide '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B.\n\nDuties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.\n\nDuties When ID Theft Occurs Including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligations.\n\nThe Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system.\n\nBelow are examples of the flexibility the Bureau intends to provide in the consumer reporting system.\n\nFurnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy as a whole.\n\nThe CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID 19 who have sought such accommodations from their lendersl .The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so.\n\nMany furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing.\n\nDisputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30-day period.\n\nThe Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that pose challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavirus Aid, Relief, and Economic Security Act, Pub. L. No. 116-136, 5 4201 ( 2020 ) ( stating that, with certain exceptions, \" if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account Of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.\n\nThese original creditors are being reported incorrectly, and/or the accounts do not belong to me. \n\nXXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX Account XXXX : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX Account XXXX : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX Account Number : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX Account XXXX : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nTHE XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\n\nPolicy States According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) Procedure in Case of Disputed Accuracy ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required a. In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly thorough a reseller, of such dispute free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. \nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means to you, this credit reporting agency, are reporting incorrect accounts. \nFinally, you are reporting the INQUIRES that are a result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below listed and companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquires. \nInquires that are made by someone else without my authorization is not a factual record of access to my credit, it is a fraudulent activity, and it must be addressed as such. The reason that these inquires are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquires were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. \nIt should be noted that any inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done though fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry with each company. These inquires are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. \nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report an accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do mot belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be UPDATED and/or DELETED! \n( SEE THE ENCLOSED EXHIBIT OF FRAUDULENT INQUIRIES BEING DISPUTED ) CREDIT INQUIRES DATE OF INQUIRY : Policy states... \nAccording to the FAIR CREDIT REPORTING ACT \" FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy...\n\n( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection ( O, if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\nThe FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ).\n\nGeneral Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( I ) ( B ).\n\nIf a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).\n\nFurnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a \" credit repair organization. '' Section 623 ( a ) (?. Federal regulations are available at www.consumerfinance.gov/learnmore.Section 623 ( a ) (?\n\nDuties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( I ) ( A ) and Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the All furnishers must have in place reasonable procedures to respond to notifications from CRAS that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish Information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( 0.\n\nThe CFPB 's website, www.consumerfinance.gov/learnmore, has more information about the FCRA, including publications for business and the full text of the FCRA.\n\nCitations for FCRA sections in the U.S. Code, IS U.S.C. 1681 et seq. : I have provided all of the above listed items within this package. Therefore, I expect these listed accounts to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. \n\n\n\nProof of Identity Copy of Account Statements showing Fraudulent Items FTC Notice to Furnishers XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Department, This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me. Policy states... \nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last Friday, on XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( \" CARES Ad ' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. \nConsumer report information is crit","date_sent_to_company":"2024-07-26T22:07:12.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"9625778","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-07-26T21:56:29.000Z","state":"IL","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 <em>have</em> filed a report with the Federal Trade Commission, which I <em>have</em> enclosed within this dispute package. I <em>have</em> reached out to all of these creditors and <em>have</em> <em>made</em> them aware that these accounts were fraudulently opened, and they <em>have</em> known this for several months, but <em>have</em> yet to remove these accounts from my credit reports. Some of the creditors <em>have</em> been cooperative and <em>have</em> removed the accounts, but others <em>have</em> refused to remove the fraudulent accounts."]},"sort":[6.783514,"9625778"]},{"_index":"complaint-public-v1","_id":"9625769","_score":6.7819014,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Department, This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the XXXX Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me. Policy states...\n\nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last Friday, on XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( \" CARES Ad ' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. \nConsumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over XXXX XXXX consumers in the United States who have credit files and trade lines furnished by over XXXX providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, accommodation, the furnisher report the credit obligation or account as current; or ( Il ) if the credit obligation or account was delinquent before the maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current '' ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended. Rendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to very large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agencies or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate disputes submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant.\n\nThe Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable.\n\nRegulatory Requirements This Policy Statement is a non-binding general statement of policy articulating considerations relevant to the Bureau 's exercise of its supervisory and enforcement authorities. It is therefore exempt from the notice and comment rule making requirements under the Administrative Procedure Act pursuant to 5 USC 553 ( b ). Because no notice of proposed rule making is required, the Regulatory Flexibility Act does not require an initial or final regulatory flexibility analysis. See 5 USC 603 ( a ), 604 ( a ). The Bureau has determined that this Policy Statement does not impose any new or revise any existing record keeping, reporting, or disclosure requirements on covered entities or members of the public that would be collections of information requiring OMB approval under the Paperwork Reduction Act, 44 USC 3501-3521.\n\nThe trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.\n\nI have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.\n\nI made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.\n\nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.\n\nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these account accounts/items doesnt belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED!\n\nPolicy states...\n\nAccording to the FAIR CREDIT REPORTING ACT \" FCRA '', Section 1681c ( 2 ) Block of information resulting from identity theft.\n\n1. Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of...\n\n1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer.\n\nAll furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore.\n\nNOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross-referenced to the.U.S Code is at the end of this document.\n\nSection 623 imposes the following duties upon furnishers : Accuracy Guidelines results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( C ) and ( b ) ( 1 ) Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section Promptly modify or delete the information, or block its reporting. Section Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when .it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ).\n\nDuty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ).\n\nAny person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to \" nationwide '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B.\n\nDuties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.\n\nDuties When ID Theft Occurs Including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligations.\n\nThe Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system.\n\nBelow are examples of the flexibility the Bureau intends to provide in the consumer reporting system.\n\nFurnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy as a whole.\n\nThe CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID 19 who have sought such accommodations from their lendersl .The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so.\n\nMany furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing.\n\nDisputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30-day period.\n\nThe Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that pose challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavirus Aid, Relief, and Economic Security Act, Pub. L. No. 116-136, 5 4201 ( 2020 ) ( stating that, with certain exceptions, \" if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account Of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.\n\nThese original creditors are being reported incorrectly, and/or the accounts do not belong to me. \n\nXXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX Account Number : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX Account Number : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX Account XXXX : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX Account XXXX : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\n\nPolicy States According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) Procedure in Case of Disputed Accuracy ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required a. In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly thorough a reseller, of such dispute free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means to you, this credit reporting agency, are reporting incorrect accounts.\n\nFinally, you are reporting the INQUIRES that are a result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below listed and companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquires.\n\nInquires that are made by someone else without my authorization is not a factual record of access to my credit, it is a fraudulent activity, and it must be addressed as such. The reason that these inquires are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquires were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA.\n\nIt should be noted that any inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done though fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry with each company. These inquires are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file.\n\nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report an accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do mot belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be UPDATED and/or DELETED!\n\n( SEE THE ENCLOSED EXHIBIT OF FRAUDULENT INQUIRIES BEING DISPUTED ) CREDIT INQUIRES DATE OF INQUIRY : Policy states...\n\nAccording to the FAIR CREDIT REPORTING ACT \" FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy...\n\n( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection ( O, if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\nThe FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ).\n\nGeneral Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( I ) ( B ).\n\nIf a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).\n\nFurnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a \" credit repair organization. '' Section 623 ( a ) (?. Federal regulations are available at www.consumerfinance.gov/learnmore.Section 623 ( a ) (?\n\nDuties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( I ) ( A ) and Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the All furnishers must have in place reasonable procedures to respond to notifications from CRAS that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish Information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( 0.\n\nThe CFPB 's website, www.consumerfinance.gov/learnmore, has more information about the FCRA, including publications for business and the full text of the FCRA.\n\nCitations for FCRA sections in the U.S. Code, IS U.S.C. 1681 et seq. : I have provided all of the above listed items within this package. Therefore, I expect these listed accounts to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. \n\n\n\nProof of Identity Copy of Account Statements showing Fraudulent Items FTC Notice to Furnishers XXXX XXXX XXXX XXXX XXXX, TX XXXX Legal Department, This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me. Policy states... \nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last Friday, on XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( \" CARES Ad ' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. \nConsumer report information is crit","date_sent_to_company":"2024-07-26T22:07:22.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"9625769","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-07-26T22:07:20.000Z","state":"IL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I <em>have</em> filed a report with the Federal Trade Commission, which I <em>have</em> enclosed within this dispute package. I <em>have</em> reached out to all of these creditors and <em>have</em> <em>made</em> them aware that these accounts were fraudulently opened, and they <em>have</em> known this for several months, but <em>have</em> yet to remove these accounts from my credit reports. Some of the creditors <em>have</em> been cooperative and <em>have</em> removed the accounts, but others <em>have</em> refused to remove the fraudulent accounts."]},"sort":[6.7819014,"9625769"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":29,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":29}]}},"product":{"doc_count":29,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":20,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":20}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":3}]}},{"key":"Debt collection","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":2}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mobile or digital wallet","doc_count":2}]}},{"key":"Checking or savings account","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other banking product or service","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":1}]}}]}},"issue":{"doc_count":29,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Improper use of your report","doc_count":13,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":13}]}},{"key":"Incorrect information on your report","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account status incorrect","doc_count":4},{"key":"Account information incorrect","doc_count":2},{"key":"Old information reappears or never goes away","doc_count":2}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with personal statement of dispute","doc_count":3}]}},{"key":"Fraud or scam","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Took or threatened to take negative or legal action","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Threatened or suggested your credit would be damaged","doc_count":2}]}},{"key":"Managing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Banking errors","doc_count":1}]}}]}},"timely":{"doc_count":29,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":29}]}},"company_response":{"doc_count":29,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":16},{"key":"Closed with non-monetary relief","doc_count":13}]}},"submitted_via":{"doc_count":29,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":29}]}},"company":{"doc_count":29,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Experian Information Solutions Inc.","doc_count":8},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":7},{"key":"EQUIFAX, INC.","doc_count":6},{"key":"WELLS FARGO & COMPANY","doc_count":2},{"key":"AMERICAN EXPRESS COMPANY","doc_count":1},{"key":"Apple Financing LLC","doc_count":1},{"key":"Bridgecrest Acceptance Corporation","doc_count":1},{"key":"GOLDMAN SACHS BANK USA","doc_count":1},{"key":"Gatestone & Co. 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