{"took":223,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":683,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7687638","_score":17.811398,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"NOTICE OF OPT-OUT I have reached out to both XXXX, Experian AND XXXX in regards to these two accounts. These reporting agencies kept both XXXX XXXX XXXX and XXXX XXXX XXXX AND XXXX XXXX is now considered income as I have the B copies for both companies. On Experian website they state they do not report income. So what is the B copy of the 1099c considered? The IRS say that this is income so we these two companies believe they are above the IRS Publication? \n\nXXXX, Experian XXXX are third party data collectors and instead of asking ME the Original Creditor they go to verify information from third party debt collectors. MY Rights are being interfered with and limited my abilities to obtain credit for my personal and household needs. I am injured and Damaged due to the negligence of these two companies. I have applied for housing, credit and a vehicle however due to these companies interference i am being denied. \n\nI AM THE ORIGINAL CREDITOR THE ISSUER AND YOU ARE VIOLATING THE SOICAL SECURITY ADMINISTRATION POLICIES AS THIS IS THIER SOCIAL SECURITY NUMBER AND I WILL GET THEM INVOLVED. \nTHIS IS IDENTIY THEIF I GAVE YOU NO CONSENT TO POST THESE THINGS AND I OPT-OUT OF THE REPORTING OF THESE LISTED COMPANIES ON MY CONSUMER REPORT. \nCFPB please review.","date_sent_to_company":"2023-10-12T21:12:33.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"53208","tags":null,"has_narrative":true,"complaint_id":"7687638","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-10-12T20:44:29.000Z","state":"WI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I AM THE <em>ORIGINAL</em> <em>CREDITOR</em> THE <em>ISSUER</em> AND YOU ARE VIOLATING THE SOICAL <em>SECURITY</em> ADMINISTRATION POLICIES AS THIS IS THIER SOCIAL <em>SECURITY</em> NUMBER AND I WILL GET THEM INVOLVED. \nTHIS IS IDENTIY THEIF I GAVE YOU NO CONSENT TO POST THESE THINGS AND I OPT-OUT OF THE REPORTING OF THESE LISTED COMPANIES ON MY CONSUMER REPORT. \nCFPB please review."]},"sort":[17.811398,"7687638"]},{"_index":"complaint-public-v1","_id":"9100783","_score":16.724049,"_source":{"product":"Debt collection","complaint_what_happened":"Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  Re : Dispute of Inaccurate Credit Reporting by SecurityCred ( Account Number : XXXX ) Dear Sir/Madam, I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off account on my credit reports by SecurityCred. The details of the account in question are as follows : - Original Creditor : XXXX XXXX XXXX XXXX - Account Number : XXXX - Account Type : Collection - Balance : {$7000.00} - Date Opened : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) - Date Last Active : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) The issues with this account are as follows : 1. **No Contract with SecurityCred : ** I have no contractual relationship with SecurityCred. Under the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1692e, debt collectors must report accurate information and must not use false, deceptive, or misleading representations. The absence of a direct contract with SecurityCred invalidates the reporting of this debt on my credit report.\n\n2. **Continuous Reporting of Charge-off : ** The account has been reported as a charge-off every month for an extended period. According to IRS guidelines, an unpaid charge-off is considered income and should not be repeatedly reported. The continuous monthly reporting of this charge-off is misleading and does not accurately reflect the true status of the debt. Under the FCRA, information reported on my credit report must be accurate and not misleading.\n\n3. **Sale of Debt : ** The debt associated with this account has been sold to another company. The original creditor should have updated the account status to indicate this change. Reporting the debt as an active charge-off after it has been sold is inaccurate and misleading.\n\n4. **Issuance of Form 1099-C : ** I have requested a Form 1099-C from the original creditor, which should have been issued to indicate the cancellation of the debt. The absence of this form suggests that the debt should no longer be reported as active. \n\nI have previously disputed this matter with the credit bureaus ( XXXX, XXXX, and XXXX ) and the original creditor, but the issue remains unresolved. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that my credit reports are corrected to reflect accurate information. \n\nPlease find attached copies of relevant documentation, including my communications with the original creditor and the credit bureaus. \n\nI request that the CFPB intervenes to have this inaccurate charge-off removed from my credit reports promptly. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-05-25T04:07:09.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"92376","tags":null,"has_narrative":true,"complaint_id":"9100783","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Security Credit Services, LLC","date_received":"2024-05-25T03:59:41.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["The <em>original</em> <em>creditor</em> should have updated the account status to indicate this change. Reporting the debt as an active charge-off after it has been sold is inaccurate and misleading.\n\n4. **<em>Issuance</em> of Form 1099-C : ** I have requested a Form 1099-C from the <em>original</em> <em>creditor</em>, which should have been <em>issued</em> to indicate the cancellation of the debt. The absence of this form suggests that the debt should no longer be reported as active."],"company":["<em>Security</em> Credit Services, LLC"]},"sort":[16.724049,"9100783"]},{"_index":"complaint-public-v1","_id":"9262671","_score":16.604895,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Capital One bank approved me for a car loan after receiving my application/promissory note. I can not get any information or access to my approved funds that came from my promissory note they monetized into a sub account for the amount of $ XXXX for a Infinite vehicle. I spoke to a rep and a XXXX at Capital One Vehicle Fininace dept. I was told i could not be given any information about my account. I am the beneficial owner and holder of the securities. Pursuant to 15 USC 1602, I, XXXX XXXX XXXX the living person flesh and blood am the original creditor. 12 USC 1431 makes it clear what the banks powers and duties are. I was denied access to my securities and it is considered security fraud. I would like to resolve the issue of the parties involved withholding access to my securities. The parties involved are violating the Credit Comsumer Protection Act. As the issuer, holder in due course and beneficiary of this consumer credit transaction I am being caused harm by the malfeasance of the dealer and banks.I should benefit in this credit consumer transaction that I initiated by extending access to my Ces Qui Vie Trust ( my estate ) by giving my social security number from my social security credit card.","date_sent_to_company":"2024-06-14T18:52:33.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"21061","tags":null,"has_narrative":true,"complaint_id":"9262671","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-06-14T18:37:47.000Z","state":"MD","company_public_response":null,"sub_issue":"Problem with additional products or services purchased with the loan"},"highlight":{"complaint_what_happened":["I am the beneficial owner and holder of the <em>securities</em>. Pursuant to 15 USC 1602, I, XXXX XXXX XXXX the living person flesh and blood am the <em>original</em> <em>creditor</em>. 12 USC 1431 makes it clear what the banks powers and duties are. I was denied access to my <em>securities</em> and it is <em>considered</em> <em>security</em> fraud. I would like to resolve the <em>issue</em> of the parties involved withholding access to my <em>securities</em>. The parties involved are violating the Credit Comsumer Protection Act."]},"sort":[16.604895,"9262671"]},{"_index":"complaint-public-v1","_id":"7687179","_score":16.05932,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"NOTICE OF OPT-OUT I have reached out to both XXXX, XXXX AND EQUIFAX in XXXX to these XXXX accounts. These reporting agencies kept both XXXX XXXX XXXX and XXXX XXXX XXXX AND XXXX XXXX is now considered income as I have the B copies for both companies. On XXXX website they state they do not report income. So what is the B copy of the 1099c considered? The IRS say that this is income so we these XXXX companies believe they are above the IRS Publication? \n\nXXXX, XXXX EQUIFAX are third party data collectors and instead of asking XXXX the XXXX XXXX they go to verify information from third party debt collectorXXXX. MY Rights are being interfered with and limited my abilities to obtain credit for my personal and household needs. I am injured and Damaged due to the negligence of these XXXX companies. I have applied for housing, credit and a vehicle however due to these companies interference i am being denied. \n\nI AM THE ORIGINAL CREDITOR THE ISSUER AND YOU ARE VIOLATING THE SOICAL SECURITY ADMINISTRATION POLICIES AS THIS IS THIER SOCIAL SECURITY NUMBER AND I WILL GET THEM INVOLVED. \nTHIS IS IDENTIY THEIF I GAVE YOU NO CONSENT TO POST THESE THINGS AND I OPT-OUT OF THE REPORTING OF THESE LISTED COMPANIES ON MY CONSUMER REPORT. \nCFPB please review.","date_sent_to_company":"2023-10-12T21:12:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"53208","tags":null,"has_narrative":true,"complaint_id":"7687179","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-10-12T21:12:37.000Z","state":"WI","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I AM THE <em>ORIGINAL</em> <em>CREDITOR</em> THE <em>ISSUER</em> AND YOU ARE VIOLATING THE SOICAL <em>SECURITY</em> ADMINISTRATION POLICIES AS THIS IS THIER SOCIAL <em>SECURITY</em> NUMBER AND I WILL GET THEM INVOLVED. \nTHIS IS IDENTIY THEIF I GAVE YOU NO CONSENT TO POST THESE THINGS AND I OPT-OUT OF THE REPORTING OF THESE LISTED COMPANIES ON MY CONSUMER REPORT. \nCFPB please review."]},"sort":[16.05932,"7687179"]},{"_index":"complaint-public-v1","_id":"8687968","_score":15.875884,"_source":{"product":"Debt collection","complaint_what_happened":"Portfolio Recovery Collection agency sent me a monthly statement for an account That listed someone elses name, with my address but listed this other persons collection Acct number, amount owed and original creditor-but then listed my banking information for where the monthly payment would be deducted automatically. \n\nI called and they told me it was a printing error. I did not believe them and asked for a corrected statement to be sent for my account. I explained that I was very upset that my banking info and address were commingled with another persons account. They seemed to think this was no big deal. I considered this a huge breach in security and asked to escalate to their legal department. They refused and told me I could contact their media person for a complaint. I emailed their person in charge of customer relations e planning the issue and my concern and never heard back from them.","date_sent_to_company":"2024-04-03T22:22:37.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"33993","tags":null,"has_narrative":true,"complaint_id":"8687968","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2024-04-03T22:02:29.000Z","state":"FL","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I <em>considered</em> this a huge breach in <em>security</em> and asked to escalate to their legal department. They refused and told me I could contact their media person for a complaint. I emailed their person in charge of customer relations e planning the <em>issue</em> and my concern and never heard back from them."]},"sort":[15.875884,"8687968"]},{"_index":"complaint-public-v1","_id":"7687794","_score":14.9902,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"NOTICE OF OPT-OUT I have reached out to both transunion, XXXX AND XXXX in XXXX to these XXXX accounts. These reporting agencies kept both XXXX XXXX XXXX and XXXX XXXX XXXX AND XXXX XXXX is now considered income as I have the B copies for both companies. On XXXX website they state they do not report income. So what is the B copy of the XXXX considered? The IRS say that this is income so we these XXXX companies believe they are above the IRS Publication? \n\nTransunion, XXXX XXXX are third party data XXXX and instead of asking XXXX the XXXX XXXX they go to verify information from third party debt XXXX. MY Rights are being interfered with and limited my abilities to obtain credit for my personal and household needs. I am injured and Damaged due to the negligence of these XXXX companies. I have applied for housing, credit and a vehicle however due to these companies interference i am being denied. \n\nI AM THE ORIGINAL CREDITOR THE ISSUER AND YOU ARE VIOLATING THE XXXX XXXX XXXX POLICIES AS THIS IS THIER SOCIAL SECURITY NUMBER AND I WILL GET THEM INVOLVED. \nTHIS IS IDENTIY THEIF I GAVE YOU NO CONSENT TO POST THESE THINGS AND I OPT-OUT OF THE REPORTING OF THESE LISTED COMPANIES ON MY CONSUMER REPORT. \nCFPB please review.","date_sent_to_company":"2023-10-12T21:12:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"53208","tags":null,"has_narrative":true,"complaint_id":"7687794","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-10-12T21:12:37.000Z","state":"WI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I AM THE <em>ORIGINAL</em> <em>CREDITOR</em> THE <em>ISSUER</em> AND YOU ARE VIOLATING THE XXXX XXXX XXXX POLICIES AS THIS IS THIER SOCIAL <em>SECURITY</em> NUMBER AND I WILL GET THEM INVOLVED. \nTHIS IS IDENTIY THEIF I GAVE YOU NO CONSENT TO POST THESE THINGS AND I OPT-OUT OF THE REPORTING OF THESE LISTED COMPANIES ON MY CONSUMER REPORT. \nCFPB please review."]},"sort":[14.9902,"7687794"]},{"_index":"complaint-public-v1","_id":"3895358","_score":14.447633,"_source":{"product":"Debt collection","complaint_what_happened":"PHOENIX FINANCIAL SERVIC, contact information XXXX XXXX XXXX XXXX XXXX, XXXX IN XXXX, Phone Number ( XXXX ) XXXX. Original creditor listed ; XXXX XXXX XXXX XXXX. Account number XXXX, that is listed on my credit reports. \n\nI have disputed this account listed on two out of three of my credit reports on XXXX  and XXXX. I have not been able to dispute it on XXXX as I have always had issues with that credit bureau asking security/identifying questions that do not and have not ever pertained to me- The questions asked are not even listed on my credit report and never have. The disputed attempts failed with XXXX  and XXXX  and still remain on my credit reports. Yet, Phoenix Financial Servic failed to contact me claiming I owe the debt. Thus disallowed me to dispute the debt or seek verification. After submitting disputes with XXXX and XXXX Phoenix Financial Servic still did not provide anything at all, much less anything substantial proving the debt is mine or sent anything allowing me to exercise my right to dispute the debt or seek validation directly with them ; prior to reporting the debt and after the dispute. If I was given the opportunity- Had Phoenix Financial Servic legally did what is required of them- I would have requested a detailed breakdown of all charges, documentation such as a signed contract, and other information. Due to this ; the laws and standards set, Phoenix Financial is  inaccurately/falsely reporting/handling this collection account to my credit profiles. I know it is not mine as the original creditor listed, XXXX XXXX XXXX XXXX, whom I never heard of, have never had an account with, or received services with the original creditor. The reported account listed date of being opened in XXXX XXXX This appears to be a medical debt & I have not had any medical attention, services, or procedures during the month of XX/XX/XXXX, or after the months of XX/XX/XXXX, or during the year of XXXX, and even longer than that as well. Especially by the original creditor listed and/or any of its affiliates. I did look up the LLC information of the original creditor listed ; XXXX XXXX XXXX XXXX  XXXX, from the Alabamas Secretary of State website. XXXX XXXX XXXX XXXX  XXXX has gone through three name changes and it strongly supports that XXXX XXXX XXXX XXXX  has four other LLCs and all are associated. There is no telling when and where on how Phoenix Financial Service has obtained this frivolous and alleged debt due to the original creditor having had its name changed three times- It was formed in XXXX and from what I can see the last name change was in XXXX. I share this to support, that I do not nor have I ever owed the original creditor for any services. I do not know of or heard of the original creditors present name, past name, or their associated businesses names as some of those went through name changes too. I have never received anything in the mail or any communications from the original creditor by its current, past, or affiliated names. \n\nI will say that I have read that Phoenix Financial Services has intensive poor reviews on unethical debt collection practices. However, I do have an issue and many experiences thats considered a mixed credit file. This likely could be the issue with Phoenix Financial Services and the account reported to credit reports. Mixed Credit files has been an issue for me for  years. Like for example, I can rarely access my XXXX   account directly as it never asks security/identity validation questions thats never pertains to me. Every year, at least a few times a year there are incidents where I have collections pop up that do not/nor ever belonged to me. I have had addresses listed that I never lived at, misspelling of my name, alias- I dont use an alias, nickname or shorten my name. When discovered I dispute it and have it removed. I do not know whos information it could belong to or why it happens often enough. I have had closed out/paid in full and on time accounts on my reports ; that actually helped my score, but I had to have it removed because it didnt belong to me, I didnt know any details about it, so when asked for identification questions, I couldnt answer it, thus preventing me from accessing my credit report. \n\nI am going to attach screen shots from yesterday on security questions asked while attempting to view my XXXX  report, not one question belonged to me. Screenshots from XXXX XXXX that wants to help me with lower insurance quotes, none of the vehicles shown/listed belong to me ever, but one. I am also going to attach screen shots from various credit reports throughout time that show info stated above that indicates my experiences with mixed credit file issues. There are a ton of examples, but I want to share some to support this is a real issue for me.","date_sent_to_company":"2020-10-12T22:16:31.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"351XX","tags":null,"has_narrative":true,"complaint_id":"3895358","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Phoenix Financial Services LLC","date_received":"2020-10-12T21:48:30.000Z","state":"AL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["However, I do have an <em>issue</em> and many experiences thats <em>considered</em> a mixed credit file. This likely could be the <em>issue</em> with Phoenix Financial Services and the account reported to credit reports. Mixed Credit files has been an <em>issue</em> for me for  years. Like for example, I can rarely access my XXXX   account directly as it never asks <em>security</em>/identity validation questions thats never pertains to me."]},"sort":[14.447633,"3895358"]},{"_index":"complaint-public-v1","_id":"5195176","_score":14.106245,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"I am XXXX XXXX and I am submitting this complaint myself, and there is no third party involved. \n\nI, XXXX XXXX, a consumer, natural person, and original creditor of an open-end credit plan was denied my right of credit by XXXX XXXX who is issued through Synchrony Bank XXXX I was notified of this denial of my rights specifically XXXX XXXX XXXX Truth in Lending Act via mail by XXXX XXXX XXXX According to XXXX XXXX XXXX definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by XXXX XXXX adverse action denying me my rights, of which the civil damages pursuant to XXXX XXXX XXXX XXXX a ) ( XXXX ) ( A ) ( XXXX ) are up to {$5000.00}. Since the letter XXXX XXXX sent me is both proof and evidence that I was discriminated against, they are now civilly liable to pay me for damages. XXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an authorized use since I have received NO BENEFIT.","date_sent_to_company":"2022-03-29T12:07:36.000Z","issue":"Getting a line of credit","sub_product":"Personal line of credit","zip_code":"622XX","tags":null,"has_narrative":true,"complaint_id":"5195176","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2022-02-07T20:06:08.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["XXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social <em>security</em> number. Otherwise, this would be <em>considered</em> an authorized use since I have received NO BENEFIT."]},"sort":[14.106245,"5195176"]},{"_index":"complaint-public-v1","_id":"6590869","_score":13.864977,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XXXX XXXX, 2023 i applied for an American Express Business Gold Card, throughout this process my social security number and business EIN was requested. The reference number for the application is XXXX I was subsequently denied an extension of credit due to certain factors outside of me having a 705 credit score. This is in violation of consumer law 15 US code 1602, within this code it essentially states that i am the original creditor, and any loan or credit card product that i apply for with any financial institution is an extension of my own credit from my social security account. I Spoke with a representative at American Express and stated this consumer law 15 U.S code 1602 as well.\n\n15 U.S code 1602 : ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. Any person who originates 2 or more mortgages referred to in subsection ( aa ) in any 12-month period or any person who originates 1 or more such mortgages through a mortgage broker shall be considered to be a creditor for purposes of this subchapter. The term creditor includes a private educational lender ( as that term is defined in section 1650 of this title ) for purposes of this subchapter. \n\n( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. \n- my social security card was used in this application","date_sent_to_company":"2023-02-19T20:35:04.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"45231","tags":null,"has_narrative":true,"complaint_id":"6590869","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2023-02-19T20:22:34.000Z","state":"OH","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["This is in violation of consumer law 15 US code 1602, within this code it essentially states that i am the <em>original</em> <em>creditor</em>, and any loan or credit card product that i apply for with any financial institution is an extension of my own credit from my social <em>security</em> account."]},"sort":[13.864977,"6590869"]},{"_index":"complaint-public-v1","_id":"10924932","_score":13.599985,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have repeatedly requested Systems & Services Technologies, INC to remove my nonpublic information and to validate the account with no success. They have received but ignored my request and reported my transaction histry with a nonaffiliated third party after I have written them to cease and desist. They charged off the account but never sent me a 1099C. Per the IRS Publication 525 a chargeoff is considered income to the consumer. Which means the account would need to be removed anyway due to income can not reported as an account. Instead they sold it to a collection agency who is not even licensed to collect in my state. I also sent them the same letter to validate the debt since I never had an agreement with any of the above companies. XXXX XXXX XXXX ( cllection agency ) sent me all of my past statements from XXXX XXXX whom I had the account with. I have attached both letters showing I notified both companies for documentation but but ignored my request and in most cases told me no. Last, I requested both companies to sign the penalty under perjury confirming all the documents are true and my claims are not valid. No response to that! I am submitting my compliant to the Attorney General and CFPB for enforcement regarding the above-\nreferenced account to have the\n\nSystems & Services Technologies , INC account deleted from my credit report and for them to send me the requested documetation or cease and desist forever trying to collect on a debt they can not prove is owed. I wish to address several concerns and request immediate action to rectify the situation in compliance with applicable laws. First, according to IRS Publication 525 and related guidance, when a debt is charged off, it is considered taxable income, and a Form 1099-C should be issued to the debtor for reporting purposes. If a 1099-C has been issued for this account, the original tradeline must be removed from my credit report as the debt is considered canceled. I request that you confirm whether a 1099-C was issued for this account and, if so, take the necessary steps to remove the tradeline. Additionally, per federal regulations, a charged-off account sold to a third-party collection agency should no longer be reported by the original creditor to credit bureaus. As such, this account should also be redacted from any third-party reporting by the collection agency to avoid duplicative reporting, which violates the Fair Credit Reporting Act ( FCRA ). Furthermore, I hereby revoke your authorization to share my nonpublic personal information with any nonaffiliated third parties as outlined in the Gramm-Leach-Bliley Act ( GLBA ). As a financial institution, Systems & Services Technologies , INC has a duty to protect my private information, and I request confirmation that all sharing of my information with nonaffiliates has ceased and deleted from all third partied to include XXXX, XXXX and XXXX XXXX. \n\nTo resolve this matter, I request the following within 5 days : 1. Remove all reporting of this charged-off account from my credit report.\n\n2. Confirm whether a 1099-C has been issued, and if not, issue one immediately.\n\n3. Revoke the sharing of my personal information with any nonaffiliated third parties.\n\n4. Proof you are licensed to do business in my state.\n\n5. CERTIFICATION OF AUTHORITY : Please provide ( a ) : verified certificate of authority, or fictitious/assumed name certificate from the State of Texas your firm, Systems & Services Technologies and XXXX XXXX XXXX XXXX XXXX business in the State of Texas.\n\n( b ) : your license number ( s ) and Registered Agent.\n\n5. AUTHORIZATION CONTRACT : Please send me a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original creditor authorizing your firm to engage in collection activities on their behalf against the above alleged account, and naming you as an authorized collection agent/claims adjuster.\n\n6. AFFIDAVIT OF CLAIM : Please send me a commercial affidavit, sworn to be true, correct, and complete, upon the commercial liability of a properly identified officer employee, or agent, hereinafter Affiant, stating that : a. ) said creditor is the HOLDER IN DUE COURSE of the above referenced account.\n\nb. ) Affiant is authorized to ASSERT A CLAIM on behalf of the original Creditor.\n\nc. ) Affiant has PERSONAL FIRST HAND KNOWLEDGE regarding the fact of the alleged account and is the original CUSTODIAN of the books of entry, or directly supervises said original CUSTODIAN of the records.\n\n7. ORIGINAL NOTE : Please send me a verified copy both FRONT and BACK of the alleged ORIGINAL promissory note in its entirety, including any application, accompanied by a commercial affidavit, sworn to be true, correct, and complete, upon the commercial liability of a properly identified and authorized officer, employee, or agent of the alleged original creditor who states that he/she has PERSONAL FIRST HAND KNOWLEDGE that said front and back verified copy is that of the original promissory note.\n\n8. COMPLETE BOOKKEEPING ENTRIES : Please provide the original account and general ledger showing the account receivables and the account payables statement ( not the loan history statement ) of the alleged obligation you are attempting to collect has not been paid, accompanied by a commercial affidavit by the original CUSTODIAN of the books and records sworn to be true, correct, and complete, upon his or her commercial liability.\n\n9. Please verify the debt collector, has not purchased the debt and are proceeding with collection activity in the name of the original alleged creditor.\n\n10. Please verify the note was not collateralized as a mortgage backed security.\n\n11. Please verify that you know and understand by signing, notarizing and returning the attached penalty under perjury that all of the above is true and correct. By contacting me again after receipt of this notice without providing procedurally proper validation of the alleged debt may constitute MAIL FRAUD.\n\nI appreciate your immediate attention to this matter and look forward to your written response. Please send your response to the address listed above in writing.","date_sent_to_company":"2024-11-25T20:48:01.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77429","tags":"Servicemember","has_narrative":true,"complaint_id":"10924932","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Alorica Inc.","date_received":"2024-11-25T20:17:28.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["First, according to IRS Publication 525 and related guidance, when a debt is charged off, it is <em>considered</em> taxable income, and a Form 1099-C should be <em>issued</em> to the debtor for reporting purposes. If a 1099-C has been <em>issued</em> for this account, the <em>original</em> tradeline must be removed from my credit report as the debt is <em>considered</em> canceled. I request that you confirm whether a 1099-C was <em>issued</em> for this account and, if so, take the necessary steps to remove the tradeline."]},"sort":[13.599985,"10924932"]},{"_index":"complaint-public-v1","_id":"10923294","_score":13.599985,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have repeatedly requested XXXX XXXX XXXX XXXX, XXXX to remove my nonpublic information and to validate the account with no success. They have received but ignored my request and reported my transaction histry with a nonaffiliated third party after I have written them to cease and desist. They charged off the account but never sent me a 1099C. Per the IRS Publication XXXX a chargeoff is considered income to the consumer. Which means the account would need to be removed anyway due to income can not reported as an account. Instead they sold it to a collection agency who is not even licensed to collect in my state. I also sent them the same letter to validate the debt since I never had an agreement with any of the above companies. XXXX XXXX XXXX ( cllection agency ) sent me all of my past statements from XXXX XXXX whom I had the account with. I have attached both letters showing I notified both companies for documentation but but ignored my request and in most cases told me no. Last, I requested both companies to sign the penalty under perjury confirming all the documents are true and my claims are not valid. No response to that! \n\nI am submitting my compliant to the Attorney General and CFPB for enforcement regarding the above-referenced account to have the XXXX  & XXXX XXXX XXXX XXXX account deleted from my credit report and for them to send me the requested documetation or cease and desist forever trying to collect on a debt they can not prove is owed. I wish to address several concerns and request immediate action to rectify the situation in compliance with applicable laws. \n\nFirst, according to IRS Publication XXXX and related guidance, when a debt is charged off, it is considered taxable income, and a Form 1099-C should be issued to the debtor for reporting purposes. If a 1099-C has been issued for this account, the original tradeline must be removed from my credit report as the debt is considered canceled. I request that you confirm whether a 1099-C was issued for this account and, if so, take the necessary steps to remove the tradeline. \n\nAdditionally, per federal regulations, a charged-off account sold to a third-party collection agency should no longer be reported by the original creditor to credit bureaus. As such, this account should also be redacted from any third-party reporting by the collection agency to avoid duplicative reporting, which violates the Fair Credit Reporting Act ( FCRA ). \n\nFurthermore, I hereby revoke your authorization to share my nonpublic personal information with any nonaffiliated third parties as outlined in the XXXX XXXX ( XXXX ). As a financial institution, XXXX XXXX XXXX XXXX XXXX XXXX has a duty to protect my private information, and I request confirmation that all sharing of my information with nonaffiliates has ceased and deleted from all third partied to include XXXX, XXXX and Trans Union. \n\nTo resolve this matter, I request the following within 5 days : 1. Remove all reporting of this charged-off account from my credit report.\n\n2. Confirm whether a 1099-C has been issued, and if not, issue one immediately.\n\n3. Revoke the sharing of my personal information with any nonaffiliated third parties.\n\n4. Proof you are licensed to do business in my state.\n\n5. CERTIFICATION OF AUTHORITY : Please provide ( a ) : verified certificate of authority, or fictitious/assumed name certificate from the State of Texas your firm, XXXX & XXXX XXXX and XXXX XXXX XXXX to transact business in the State of Texas. \n( b ) : your license number ( s ) and Registered Agent. \n\n5. AUTHORIZATION CONTRACT : Please send me a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original creditor authorizing your firm to engage in collection activities on their behalf against the above alleged account, and naming you as an authorized collection agent/claims adjuster.\n\n6. AFFIDAVIT OF CLAIM : Please send me a commercial affidavit, sworn to be true, correct, and complete, upon the commercial liability of a properly identified officer employee, or agent, hereinafter Affiant, stating that : a. ) said creditor is the HOLDER IN DUE COURSE of the above referenced account. \nb. ) XXXX is authorized to ASSERT A CLAIM on behalf of the original Creditor. \nc. ) XXXX has PERSONAL FIRST HAND KNOWLEDGE regarding the fact of the alleged account and is the original CUSTODIAN of the books of entry, or directly supervises said original CUSTODIAN of the records.\n\n7. ORIGINAL NOTE : Please send me a verified copy both FRONT and BACK of the alleged ORIGINAL promissory note in its entirety, including any application, accompanied by a commercial affidavit, sworn to be true, correct, and complete, upon the commercial liability of a properly identified and authorized officer, employee, or agent of the alleged original creditor who states that he/she has PERSONAL FIRST HAND KNOWLEDGE that said front and back verified copy is that of the original promissory note.\n\n8. COMPLETE BOOKKEEPING ENTRIES : Please provide the original account and general ledger showing the account receivables and the account payables statement ( not the loan history statement ) of the alleged obligation you are attempting to collect has not been paid, accompanied by a commercial affidavit by the original CUSTODIAN of the books and records sworn to be true, correct, and complete, upon his or her commercial liability.\n\n9. Please verify the debt collector, has not purchased the debt and are proceeding with collection activity in the name of the original alleged creditor.\n\n10. Please verify the note was not collateralized as a mortgage backed security.\n\n11. Please verify that you know and understand by signing, notarizing and returning the attached penalty under perjury that all of the above is true and correct. By contacting me again after receipt of this notice without providing procedurally proper validation of the alleged debt may constitute MAIL FRAUD. \n\nI appreciate your immediate attention to this matter and look forward to your written response. Please send your response to the address listed above in writing.","date_sent_to_company":"2024-11-25T20:48:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77429","tags":"Servicemember","has_narrative":true,"complaint_id":"10923294","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-25T20:48:08.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["First, according to IRS Publication XXXX and related guidance, when a debt is charged off, it is <em>considered</em> taxable income, and a Form 1099-C should be <em>issued</em> to the debtor for reporting purposes. If a 1099-C has been <em>issued</em> for this account, the <em>original</em> tradeline must be removed from my credit report as the debt is <em>considered</em> canceled. I request that you confirm whether a 1099-C was <em>issued</em> for this account and, if so, take the necessary steps to remove the tradeline."]},"sort":[13.599985,"10923294"]},{"_index":"complaint-public-v1","_id":"10924559","_score":13.513155,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have repeatedly requested XXXX XXXX XXXX XXXX, XXXX to remove my nonpublic information and to validate the account with no success. They have received but ignored my request and reported my transaction histry with a nonaffiliated third party after I have written them to cease and desist. They charged off the account but never sent me a 1099C. Per the IRS Publication XXXX a chargeoff is considered income to the consumer. Which means the account would need to be removed anyway due to income can not reported as an account. Instead they sold it to a collection agency who is not even licensed to collect in my state. I also sent them the same letter to validate the debt since I never had an agreement with any of the above companies. XXXX XXXX XXXX ( cllection agency ) sent me all of my past statements from XXXX XXXX whom I had the account with. I have attached both letters showing I notified both companies for documentation but but ignored my request and in most cases told me no. Last, I requested both companies to sign the penalty under perjury confirming all the documents are true and my claims are not valid. No response to that! \n\nI am submitting my compliant to the Attorney General and CFPB for enforcement regarding the above-referenced account to have the Systems & XXXX XXXX XXXX XXXX account deleted from my credit report and for them to send me the requested documetation or cease and desist forever trying to collect on a debt they can not prove is owed. I wish to address several concerns and request immediate action to rectify the situation in compliance with applicable laws. \n\nFirst, according to IRS Publication XXXX and related guidance, when a debt is charged off, it is considered taxable income, and a Form 1099-C should be issued to the debtor for reporting purposes. If a 1099-C has been issued for this account, the original tradeline must be removed from my credit report as the debt is considered canceled. I request that you confirm whether a 1099-C was issued for this account and, if so, take the necessary steps to remove the tradeline. \n\nAdditionally, per federal regulations, a charged-off account sold to a third-party collection agency should no longer be reported by the original creditor to credit bureaus. As such, this account should also be redacted from any third-party reporting by the collection agency to avoid duplicative reporting, which violates the Fair Credit Reporting Act ( FCRA ). \n\nFurthermore, I hereby revoke your authorization to share my nonpublic personal information with any nonaffiliated third parties as outlined in the XXXX XXXX ( XXXX ). As a financial institution, XXXX XXXX XXXX XXXX XXXX XXXX has a duty to protect my private information, and I request confirmation that all sharing of my information with nonaffiliates has ceased and deleted from all third partied to include Experian, XXXX and XXXX XXXX. \n\nTo resolve this matter, I request the following within 5 days : 1. Remove all reporting of this charged-off account from my credit report.\n\n2. Confirm whether a 1099-C has been issued, and if not, issue one immediately.\n\n3. Revoke the sharing of my personal information with any nonaffiliated third parties.\n\n4. Proof you are licensed to do business in my state.\n\n5. CERTIFICATION OF AUTHORITY : Please provide ( a ) : verified certificate of authority, or fictitious/assumed name certificate from the State of Texas your firm, XXXX & XXXX XXXX and XXXX XXXX XXXX XXXX XXXX business in the State of Texas. \n( b ) : your license number ( s ) and Registered Agent.\n\n5. AUTHORIZATION CONTRACT : Please send me a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original creditor authorizing your firm to engage in collection activities on their behalf against the above alleged account, and naming you as an authorized collection agent/claims adjuster.\n\n6. AFFIDAVIT OF CLAIM : Please send me a commercial affidavit, sworn to be true, correct, and complete, upon the commercial liability of a properly identified officer employee, or agent, hereinafter Affiant, stating that : a. ) said creditor is the HOLDER IN DUE COURSE of the above referenced account.\n\nb. ) Affiant is authorized to ASSERT A CLAIM on behalf of the original Creditor.\n\nc. ) Affiant has PERSONAL FIRST HAND KNOWLEDGE regarding the fact of the alleged account and is the origi\n\nnal CUSTODIAN of the books of entry, or directly supervises said original CUSTODIAN of the records. 7. ORIGINAL NOTE : Please send me a verified copy both FRONT and BACK of the alleged ORIGINAL promissory note in its entirety, including any application, accompanied by a commercial affidavit, sworn to be true, correct, and complete, upon the commercial liability of a properly identified and authorized officer, employee\n, or agent of the alleged original creditor who states that he/she has PERSONAL FIRST HAND KNOWLEDGE that said front and back verified copy is that of the original promissory note.\n\n8. COMPLETE BOOKKEEPING ENTRIES : Please provide the original account and general ledger showing the account receivables and the account payables statement ( not the loan history statement ) of the alleged obligation you are attempting to collect has not been paid, accompanied by a commercial affidavit by the original CUSTODIAN of the books and records sworn to be true, correct, and complete, upon his or her commercial liability.\n\n9. Please verify the debt collector, has not purchased the debt and are proceeding with collection activity in the name of the original alleged creditor.\n\n10. Please verify the note was not collateralized as a mortgage backed security.\n\n11. Please verify that you know and understand by signing, notarizing and returning the attached penalty under perjury that all of the above is true and correct. By contacting me again after receipt of this notice without providing procedurally proper validation of the alleged debt may constitute MAIL FRAUD. \n\nI appreciate your immediate attention to this matter and look forward to your written response. Please send your response to the address listed above in writing.","date_sent_to_company":"2024-11-25T20:48:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77429","tags":"Servicemember","has_narrative":true,"complaint_id":"10924559","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-25T20:48:08.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["First, according to IRS Publication XXXX and related guidance, when a debt is charged off, it is <em>considered</em> taxable income, and a Form 1099-C should be <em>issued</em> to the debtor for reporting purposes. If a 1099-C has been <em>issued</em> for this account, the <em>original</em> tradeline must be removed from my credit report as the debt is <em>considered</em> canceled. I request that you confirm whether a 1099-C was <em>issued</em> for this account and, if so, take the necessary steps to remove the tradeline."]},"sort":[13.513155,"10924559"]},{"_index":"complaint-public-v1","_id":"10901453","_score":13.334448,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against TransUnion regarding the reinvestigation results for previously disputed items on my credit report. The following accounts remain inaccurate and incomplete, and I believe the reinvestigation procedures failed to meet the requirements of the Fair Credit Reporting Act ( FCRA ). \n\nDespite my dispute, these items came back as verified, yet there is no indication that TransUnion properly verified them with the original creditor or ensured that the reported information is accurate and complete. Additionally, TransUnion has me listed under the name XXXX XXXX, which is not my name. I have included a copy of my photo ID and Social Security card as proof of my correct identity. Since these accounts are being reported under an incorrect name, they can not be considered verifiable. \n\nHere are the accounts in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I expect TransUnion to : -Provide detailed documentation of how each account was verified , including the methods and sources used .\n\n-Provide evidence that the information was verified directly with the original creditor.\n\n-Remove these accounts if TransUnion can not substantiate the accuracy of the reported information.\n\nUnder the FCRA, credit reporting agencies are required to perform reasonable reinvestigations when disputes are submitted. Based on the results of my previous disputes, I believe that TransUnion did not properly handle this matter.\n\nPlease address this issue promptly and provide a written response detailing the resolution.","date_sent_to_company":"2024-11-22T16:15:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33166","tags":"Servicemember","has_narrative":true,"complaint_id":"10901453","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-22T15:52:15.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Despite my dispute, these items came back as verified, yet there is no indication that TransUnion properly verified them with the <em>original</em> <em>creditor</em> or ensured that the reported information is accurate and complete. Additionally, TransUnion has me listed under the name XXXX XXXX, which is not my name. I have included a copy of my photo ID and Social <em>Security</em> card as proof of my correct identity."]},"sort":[13.334448,"10901453"]},{"_index":"complaint-public-v1","_id":"11520636","_score":13.038502,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Request for Validation of Debt and Related Legal Authority Dear whom it may concern I am writing to formally request information and documentation related to an alleged, account or debt you have reported or are attempting to collect. This letter is issued, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other applicable federal laws.\n\n1. Authority to Collect Under FDCPA Please provide validation of your authority to collect this alleged debt, including but not limited to : Documentation showing your legal right to collect this debt.\n\nEvidence that you are the owner of the debt or documentation of your authority as an agent to collect on behalf of the owner.\n\n2. Authority to Report Under FCRA I request written evidence of your legal authority to report this alleged debt to credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). Specifically, provide : A detailed explanation of how this reporting complies with FCRA requirements. \nDocumentation that verifies the accuracy of the information reported to credit bureaus. \n3. Promissory Note and Securities Compliance If there is a promissory note related to this account, and its maturity date is beyond nine months, I request that you provide documentation supporting your authority to possess or be in possession of what may be considered an unregistered security. This request is made pursuant to any applicable federal laws, including but not limited to regulations enforced by the Federal Communications Commission ( FCC ), the Internal Revenue Service ( IRS ), or any other federal authority.\n\n4. Securitization and TILA Compliance If this account has been securitized, I request, under the Truth in Lending Act ( TILA ), that you provide the following : All documents, including pooling and servicing agreements, related to the securitization of my account. \nAny related filings with the Securities and Exchange Commission ( SEC ). \nDocumentation evidencing compliance with all applicable TILA provisions regarding disclosure and transfer of the account.Please note that this is a formal request for validation and verification. Until all requested information and documentation is provided, I dispute the validity of this debt and any related reporting. Any failure to comply with these requests will be considered a violation of applicable federal law. \nAs a Security Party Creditor you should have everything to provide the Original Contract and documents with it.\n\nI expect a response within the legally 15 DAYS mandated time frame. Failure to provide the requested information will result in further legal action to enforce my rights under federal law.\n\nThank you for your prompt attention to this matter. I look forward to your detailed and documented response.","date_sent_to_company":"2025-01-15T01:25:27.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"306XX","tags":null,"has_narrative":true,"complaint_id":"11520636","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Colony Brands, Inc.","date_received":"2025-01-15T01:25:22.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["As a <em>Security</em> Party <em>Creditor</em> you should have everything to provide the <em>Original</em> Contract and documents with it.\n\nI expect a response within the legally 15 DAYS mandated time frame. Failure to provide the requested information will result in further legal action to enforce my rights under federal law.\n\nThank you for your prompt attention to this matter. I look forward to your detailed and documented response."]},"sort":[13.038502,"11520636"]},{"_index":"complaint-public-v1","_id":"10284832","_score":12.956034,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  Subject : Dispute of Debt and Request for Validation under the Fair Debt Collection Practices Act ( FDCPA ) and California Fair Debt Collection Practices Act ( CFDCPA ) Account Number : XXXX Account Name : SECURITY CREDIT SERVIC Dear Security Credit Services, I am writing regarding the alleged debt you are attempting to collect under account number XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809, and the California Fair Debt Collection Practices Act ( CFDCPA ) under California Civil Code 1788 et seq., I dispute the validity of this debt in its entirety and request that you provide me with full validation of the same. Please supply the following information so that I can be fully informed : 1. Proof of My Responsibility for the Debt Documentation showing that I am responsible for this debt : Provide a copy of the written agreement that created my original obligation to pay, or any other document that substantiates that I owe this debt to the current creditor, as required under FDCPA 15 USC 1692g ( b ) and California Civil Code 1788.14.\n\n2. Details of the Debt Breakdown of charges : Please provide me with a detailed explanation of the amount owed, including a breakdown of all additional charges, interest, and payments made, as per California Civil Code 1788.15.\n\nLast billing statement : Provide a copy of the last billing statement sent to me by the original creditor, as required under California Civil Code 1788.17, incorporating the FDCPA requirements.\n\nAmount owed at the time of transfer : Indicate the amount of the debt at the time you obtained it, and if any additional interest, fees, or charges have been added, provide an itemized breakdown showing the dates and amounts of each addition.\n\n3. Name and Address of the Original Creditor Identification of the original creditor : If this debt has been transferred or sold, provide the name and address of the original creditor, along with the account number used by that creditor and the amount owed at the time of transfer. California Civil Code 1788.17 mirrors this requirement under the FDCPA.\n\nTransfer of the debt : Inform me when the current creditor obtained the debt and from whom they obtained it. This is in line with the requirements for accurate and complete information under Californias Rosenthal Fair Debt Collection Practices Act.\n\n4. Proof of Your Authority to Collect This Debt Documentation of your legal authority : Provide proof that your agency has the legal authority to collect this debt on behalf of the current creditor. This should include any contract or agreement that grants you the right to act on behalf of the original creditor.\n\nDebt collection license in California : Provide the details of your debt collection license in California, including the date of issuance, the name on the license, the license number, and the contact information of the state agency that issued the license. In California, debt collectors must be licensed and bonded under the California Department of Financial Protection and Innovation ( DFPI ) regulations.\n\n5. Additional Requested Information Due date and delinquency : Indicate when the creditor claims this debt became due and when it became delinquent, as required by California Civil Code 1788.52. Also, identify the date of the last payment made on this account.\n\nStatute of limitations : Under California Code of Civil Procedure 337, the statute of limitations for written contracts is 4 years. Have you determined that this debt is within the applicable statute of limitations? Please state when you believe the statute of limitations will expire and how you made this determination.\n\nLegal Consequences for Non-Compliance If you fail to comply with the above requests, any further attempt to collect this debt will be considered harassment under California Civil Code 1788.10 and the FDCPA, and I reserve the right to take legal action, including filing a complaint with the California Department of Financial Protection and Innovation ( DFPI ), or pursuing a civil lawsuit under California Civil Code 1788.30.\n\nCease Collection Efforts Until I receive the requested validation, I consider any attempt to collect this debt inappropriate and in violation of the FDCPA and CFDCPA. Therefore, I request that you cease all collection efforts until proper validation has been provided.\n\nI expect to receive the requested information within 30 days of your receipt of this letter. Failure to respond in a timely and legally compliant manner will indicate that this debt is not legally enforceable. \n\nThank you in advance for your cooperation and attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-09-29T05:30:57.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"90301","tags":null,"has_narrative":true,"complaint_id":"10284832","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Security Credit Services, LLC","date_received":"2024-09-29T05:26:18.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Name and Address of the <em>Original</em> <em>Creditor</em> Identification of the <em>original</em> <em>creditor</em> : If this debt has been transferred or sold, provide the name and address of the <em>original</em> <em>creditor</em>, along with the account number used by that <em>creditor</em> and the amount owed at the time of transfer. California Civil Code 1788.17 mirrors this requirement under the FDCPA.\n\nTransfer of the debt : Inform me when the current <em>creditor</em> obtained the debt and from whom they obtained it."],"company":["<em>Security</em> Credit Services, LLC"]},"sort":[12.956034,"10284832"]},{"_index":"complaint-public-v1","_id":"10832760","_score":12.906463,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Trasunion I am writing to request verification of the all collections charge offs and all negative and derogatory remarks and negative reports on my credit profile with your company XXXXXXXX Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request validation of these debts. This is not a refusal to pay, but a request for proof that these collection companies are legally entitled to collect these debts thats on my report as charge offs and collections. The cases cited in the letter provide a legal basis to support my right to verify the debt before making any payments associated with my Social Security Number XXXX After reviewing the legal basis for the collection companies claim, I wish to formally dispute the validity of all debts charge offs collection accounts negative remarks on my credit report and provide clarification regarding the obligations associated with my SSN.\n\nUnder 18 U.S.C. 8, the term obligation or other security of the United States includes any bond, certificate of indebtedness, national bank currency, Federal Reserve note, or other financial obligation issued by the United States. Furthermore, the Social Security Number is an identifier issued by the Social Security Administration ( SSA ) and remains the property of the United States. Any financial activity or credit transaction linked to this identifying number does not inherently transfer personal liability to me as a private individual but constitutes an obligation of the United States. \n\nAdditionally, 15 U.S.C. 3729 of the False Claims Act addresses fraudulent claims against the government. By asserting that this debt is personally attributable to me without adequate legal foundation or verification, you may inadvertently be implicating the federal government in an unauthorized claim. Any financial obligations tied to the use of a Social Security Number must be supported by explicit contractual evidence indicating personal liability, which I believe is absent in this case. \n\n\nIn XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court held that a debt collector is obligated to provide sufficient verification of the debt upon a consumers request. Therefore, I am requesting the following information : 1. Proof of Ownership : Please provide documentation proving that your agency legally owns or has been assigned this debt for collection.\n\n2. Account Informaqtion : A detailed accounting of the original balance, interest rates, fees, and payment history to demonstrate how the current amount was calculated. Courts, including in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have determined that consumers have the right to sufficient information to understand the nature and amount of the debt being collected. \nXXXX. Original Creditor Information : Details regarding the original creditor, as per the requirements set forth in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which requires debt XXXX to provide enough information to make the debt identifiable. \nXXXX. Proof of Authorization to Collect : Any documentation proving that you are authorized by the original creditor to collect on this account, if applicable. \n\nUnder FDCPA 1692g ( b ), I understand that collection activities must cease until verification of the debt has been provided. Continuing collection activities without verifying the debt may be considered a violation of the FDCPA, as held in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nPlease send the requested documentation to my address within 30 days. If you are unable to provide this information, please remove any record of this debt from my credit file and cease all collection efforts, as stipulated under the FDCPA. \n\nThank you for your attention to this matter. I look forward to receiving the requested verification documentation. Please remove all negative accounts all hard inquiries associated with my SSN that was also compromised in the XXXX XXXX data breach if you need further assistance in this matter i can be reached at the number or email I provided at the top of this letter. Also there is a FTC report two Ucc 1 filing statements highlighted inaccurate information on my credit that I also included. \n\n\nSincerely, XXXX","date_sent_to_company":"2024-11-17T19:14:14.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"10466","tags":null,"has_narrative":true,"complaint_id":"10832760","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-17T18:51:54.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Original</em> <em>Creditor</em> Information : Details regarding the <em>original</em> <em>creditor</em>, as per the requirements set forth in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which requires debt XXXX to provide enough information to make the debt identifiable. \nXXXX. Proof of Authorization to Collect : Any documentation proving that you are authorized by the <em>original</em> <em>creditor</em> to collect on this account, if applicable."]},"sort":[12.906463,"10832760"]},{"_index":"complaint-public-v1","_id":"8580323","_score":12.879743,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"The attached file has a document that I sent to PenFed on XXXX about Penfed denying me credit. I'm the creditor and I shouldn't be denied of any credit. Once the promissory note get processed, PenFed will get paid instantly using commercial paper ( my promissory note & using my securities as collateral for the loan.\n\nAccording to : 15 U.S. Code 1691 - Scope of prohibition creditor ( e ) The term creditor means ANY PERSON who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. \nAlso Penfed is denying my request to talk to any representative about my request ( See attached screenshot of them not returning a call to me ) The request was made multiple times and I have been ignored and humiliated about this. This is also a discrimination against me. The request : XXXX. \n\n\nHello, I am perplexed, I feel discriminated against as to why my own credit card, which is backed by my securities, is being denied. According to 16 CFR 433.1, a creditor, A person ( it doesn't say bank or financial institution ) who, in the ordinary course of business, lends purchase money or finances the sale of goods or services to consumers on a deferred payment basis. Therefore, I believe Penfed 's actions are discriminatory and offensive. \nAll loans are generated through commercial paper and utilizing the customer 's social security card as credit. This system aligns with the definition of an asset-backed security as outlined in the law, which refers to a fixed-income or other security collateralized by various financial assets, including loans, mortgages, or receivables. These securities allow the holder to receive payments primarily dependent on cash flow from the underlying asset, encompassing collateralized mortgage obligations, debt obligations, bond obligations, and asset-backed securities. \nAdditionally, all applications create a security which serves as collateral for the requested loan, as per 15 U.S. Code 78c - Definitions and application - Asset-backed security. It is crucial to understand that all financial transactions within the United States Corporation operate through commercial paper or marketable securities.\n\nUpon approval, Penfed would securitize my promissory note or contract and sell it to XXXX XXXX ( that serves as trustee ), finalizing the securitization process of the legal tender generated using my own credit under my name : XXXX XXXX XXXX. This request is being made on behalf of XXXX XXXX XXXX, with me acting as the agent, XXXX XXXX XXXX. \nI strongly urge PennyMac to process this request and approve my loan application : # XXXX. \nIf you are unfamiliar with the aforementioned processes, I kindly request that you escalate this matter to someone who can address it appropriately or the legal department. This issue is of utmost seriousness and is in violation of the law. \nFurthermore, I request a written response detailing the reasons why my concerns are considered invalid. \nPlease refrain from attributing the denial to reporting agencies, as that is not a valid explanation within the United States legal framework. \n\nIn 1933, the United States declared bankruptcy, leading to the transition from lawful money to legal tender. As a result, all properties and homes in the nation were mortgaged to support the country 's credit, effectively making citizens like myself ( XXXX XXXX XXXX ) investors with unlimited purchasing power. This transition is documented in the Congressional Record of XX/XX/1933, which outlines that money is issued to banks backed by government obligations, bills of exchange, drafts, notes, trade acceptances, and banker 's acceptances, ensuring its value at XXXXXXXX XXXX on the XXXX  due to the nation 's credit. \nThis arrangement is further supported by 18 USC 8, which stipulates that all obligations and securities belong to the United States. Banks are only permitted to borrow and provide security, as outlined in 12 USC 1431, and they are obligated to repay us/me accordingly. \n\n\nApprove my loan immediately! \n\n\nXXXX XXXX : XXXX XXXX AGENT FOR XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-03-19T08:26:17.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"8580323","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PENTAGON FEDERAL CREDIT UNION","date_received":"2024-03-19T08:10:54.000Z","state":null,"company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit denial"},"highlight":{"complaint_what_happened":["Code 1691 - Scope of prohibition <em>creditor</em> ( e ) The term <em>creditor</em> means ANY PERSON who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an <em>original</em> <em>creditor</em> who participates in the decision to extend, renew, or continue credit."]},"sort":[12.879743,"8580323"]},{"_index":"complaint-public-v1","_id":"15026660","_score":12.855287,"_source":{"product":"Debt collection","complaint_what_happened":"Dear Transworld Systems Inc., I am writing to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. \n\nI seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please consider the following required documentation : 1. Complete payment history, as per the precedent set by XXXX XXXX XXXX, XXXX XXXX XXXX ; 2001 XXXX. App. XXXX XXXXXXXX. \nXXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt images, and any relevant details directly from the XXXX XXXX. \nXXXX. Date of Last Activity. \nXXXX. Full, accurate social security number that XXXX help to identify me as the correct person you are trying to collect from. \nXXXX. Agreement that bears the signature of the alleged debtor, indicating their commitment to pay the original creditor. \nXXXX. The signed agreement between your company ( XXXX XXXX XXXX ) and me that authorizes the collection of the alleged debt, accompanied with any transactions leading to the stated agreement to pay your company. \nXXXX. Copies of my state ID, drivers license, state issued identification, or other government issued identification that were used at the time of incurring the charge. \nXXXX. XXXX or signed agreement from the original creditor to your collection agency indicating any agreement with your client granting your client all rights on the alleged debt. ( Agreement must clearly state that it grants you the authority to collect on this alleged debt. ) Please be advised that any failure to provide proper validation, or any continued attempt to collect a debt without meeting the legal requirements, will be considered a violation of the FDCPA. \n\nSincerely, XXXX","date_sent_to_company":"2025-08-02T04:56:25.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"91913","tags":null,"has_narrative":true,"complaint_id":"15026660","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2025-08-02T04:38:14.000Z","state":"CA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Full, accurate social <em>security</em> number that XXXX help to identify me as the correct person you are trying to collect from. \nXXXX. Agreement that bears the signature of the alleged debtor, indicating their commitment to pay the <em>original</em> <em>creditor</em>. \nXXXX. The signed agreement between your company ( XXXX XXXX XXXX ) and me that authorizes the collection of the alleged debt, accompanied with any transactions leading to the stated agreement to pay your company. \nXXXX."]},"sort":[12.855287,"15026660"]},{"_index":"complaint-public-v1","_id":"2733412","_score":12.635133,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"ACCOUNT AUTO LOAN # XXXX Agreement Dated : XXXX-2015 It has come to my attention that the Promissory Note/Agreement which I executed is an unregistered security and that it may have been sold, traded or assigned in violation of state statutes. \nIt was requested in writing to FORD CREDIT, to provide me with certified copies, front and back, of the original Promissory Note/Agreement which I signed and presented to the Bank in this transaction. \nThe lawful authority which I authorized the Bank to engage in, the sale of an unregistered Security, in this transaction as an unlawful sale of an unregistered security in violation of state statute*. \nIt has also come to my attention that shortly after the closing, that the Bank deposited said Promissory Note as a cash item and ledgered said Note as a liability in the banks Payables Account and identified ME as the Creditor in the account. A G.A.A.P audit was to be notarized and was requested for verification. No such Audit was ever received. \nIt is also my understanding that the Bank/FORD CREDIT, in accordance with GAAP, may have ledgered the Mortgage, as an asset in the banks Receivables Account and identified ME as the debtor in the account. A G.A.A.P audit was to be notarized and was requested for verification. No such Audit was ever received. \nIt has come to my attention that the Promissory Note/Agreement which I executed may have been altered as I asked for certified/notarized copies. \nIt has come to my attention that the endorsement of said Promissory Note/Agreement for funding the loan may have been done by FORD CREDIT, and is in violation of state statutes and was not disclosed. \nIn other words this auto loan by FORD CREDIT was pre-paid with my credit ; there was never ANY LOAN, only purporting a loan existed. In other words *VOID AB INITIO . \nThe term void ab initio, which means \" to be treated as invalid from the outset, '' comes from adding the Latin phrase ab initio ( from the beginning ) as a qualifier. \n\n*UCC 3-104 ( a ) & ( c ) and UCC 105 ( a ) ( c ) makes it clear that I was the Issuer, Drawer, Maker of the Note that I executed, giving it value, at the closing, while UCC 8-102 ( 12 ), ( 15 ), ( 9 ) and UCC 8-105 leaves no doubt that I am the holder of the entitlement right to the funds. I am the Creditor and entitlement holder with the authority to issue Entitlement Orders as concerns this transaction and/or this account. \nI also requested : All payments paid to date will need to be sent back to me, the address listed on the Agreement, estimated at {$7300.00}, US Dollars as this loan was pre-paid with my credit. *VOID AB INITIO. \n\nAll responses from FORD CREDITs employees, were not substantiated and all to be considered hearsay.","date_sent_to_company":"2017-11-19T16:00:28.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"44130","tags":null,"has_narrative":true,"complaint_id":"2733412","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FORD MOTOR CREDIT CO.","date_received":"2017-11-19T15:46:50.000Z","state":"OH","company_public_response":null,"sub_issue":"Problem with fees charged"},"highlight":{"complaint_what_happened":["All responses from FORD CREDITs employees, were not substantiated and all to be <em>considered</em> hearsay."]},"sort":[12.635133,"2733412"]},{"_index":"complaint-public-v1","_id":"3160728","_score":12.499039,"_source":{"product":"Debt collection","complaint_what_happened":"First and foremost, the account in question was paid the minute i signed the promissory note, which is treated the same as cash. This third party interloper is trying to make me repay the loan when I funded the loan myself with my signature, when the note is now matured after 9 months and is now the banks security. The promissory note before the 9 months is a valuable negotiable instrument. They are using the United States Postal service to collect and alleged debt. \n\n18 USC Section 1341 - Frauds and swindles Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do, places in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Service, or deposits or causes to be deposited any matter or thing whatever to be sent or delivered by any private or commercial interstate carrier, or takes or receives therefrom, any such matter or thing, or knowingly causes to be delivered by mail or such carrier according to the direction thereon, or at the place at which it is directed to be delivered by the person to whom it is addressed, any such matter or thing, shall be fined under this title or imprisoned not more than five years, or both. If the violation affects a financial institution, such person  shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both. \n\nHere are some questions that will explain my position and I want them answer fully by the third party interloper : 1 : When I signed a promissory note, which account did the money come from?\n\n2 : Was the money taken from an I.R.A., savings account, investment account, checking account, or any other type of account?\n\n3 : Was the promissory note deposited into an account in the name of the bank?\n\n4 : Was a check written backed by the fu\nnds in the amount of the promissory note?\n\n5 : Did the promissory note back the demand for payment issued by the bank?\n\n6 : Does the bank understand what the term check kiting means?\n\n7 : Did the bank present a loan agreement after the promissory note was signed?\n\n8 : Does a banking institution have the ability to deposit an I owe you, and write a demand for payment from the account where the I owe you was deposited?\n\n9 : When a loan agreement is signed by anyone, is the bank presenting itself as a creditor, and is the signee considered a debtor before or after the promissory note is signed?\n\n10 : If the bank is a creditor, and the signee is a debtor, did the bank have the money borrowed before or after the promissory note was signed?\n\nThere is no contract between me and the third party debt collector. They stole and copied my original wet ink signature off of my original promissory note and created two new account numbers while trying to extort money out of me to repay ( pay again ) an alleged debt. Again the loan was paid in full when I signed the promissory note which is the same as cash. \n\nWHY I SHOULD NEVER PAY A COLLECTION AGENCY? \nFirst of all, they are not the original creditors. They are second and third party creditors. When they buy debt from the original creditor, they are usually buying a \" screenshot '' or paper. What this means, is they purchase a portfolio of accounts and they have the option to purchase copies of all the documentation with the file. This documentation does not come free, and can triple or quadruple the price of the portfolio. Collection agencies almost never purchase full documentation, so they are unable to provide legitimate validation. Third, they are buying accounts as a form of investment. If a debt is charged off by the original creditor, which means it has been removed from their balance sheet as uncollectible from the borrower. It must be validated according to the FDCPA should it come back in some other type of collection. That means a collection agency working for the original creditor or third party that purchased the account. Remember, there are times that a debt is used as a tax loss by a creditor. This means it can not be collected at a later time as the collector would then obtain UNJUST ENRICHMENT.","date_sent_to_company":"2019-02-23T09:58:10.000Z","issue":"Attempts to collect debt not owed","sub_product":"Federal student loan debt","zip_code":"75219","tags":null,"has_narrative":true,"complaint_id":"3160728","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2019-02-23T04:27:02.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["They stole and copied my <em>original</em> wet ink signature off of my <em>original</em> promissory note and created two new account numbers while trying to extort money out of me to repay ( pay again ) an alleged debt. Again the loan was paid in full when I signed the promissory note which is the same as cash. \n\nWHY I SHOULD NEVER PAY A COLLECTION AGENCY? \nFirst of all, they are not the <em>original</em> <em>creditors</em>. They are second and third party <em>creditors</em>."]},"sort":[12.499039,"3160728"]},{"_index":"complaint-public-v1","_id":"2683453","_score":12.446863,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have contacted this consumer reporting agency on 2 separate occasions regarding a bankruptcy that the continually furnish inaccurately. I have not filed a bankruptcy. Despite my request they refuse to correct this issue. Besides the fact that I never filed bankruptcy they are ignoring the fact that a 3rd party can not validate an account. The original creditor which in this case would be the courthouse which does not validate any records by mail, phone, or fax. A phone system can not be used and nor can a third party such as XXXX XXXX as any information they report is considered hearsay. But this company insists this inaccurate information has been validated. I contacted XXXX XXXX and had my file suppressed and frozen so no information can be released unless I provide a pin and I have not done so in this case. So either this company is blatantly lying about this account being validated or XXXX XXXX is not being complaint with my right to suppress my information. If this is the case I am requesting that this company provide me with the documentation that they received from XXXX XXXX so that I may file a law suit against them for violating my rights. They have ignored this request to provide this information as well! Also there was a law passed on XXXX/XXXX/XXXX that states that any PUBLIC RECORDS that does not have qualifying identifying information such as a date of birth, social security number, address, etc must be deleted. Although this company tries to insinuate that this only applies to tax liens and judgments which is not accurate. This company is willfully and grossly being negligent. If I file this matter in a court of law the information I am requesting will have to be provided.","date_sent_to_company":"2017-09-25T06:00:07.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"212XX","tags":null,"has_narrative":true,"complaint_id":"2683453","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-09-25T06:00:04.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Despite my request they refuse to correct this <em>issue</em>. Besides the fact that I never filed bankruptcy they are ignoring the fact that a 3rd party can not validate an account. The <em>original</em> <em>creditor</em> which in this case would be the courthouse which does not validate any records by mail, phone, or fax. A phone system can not be used and nor can a third party such as XXXX XXXX as any information they report is <em>considered</em> hearsay."]},"sort":[12.446863,"2683453"]},{"_index":"complaint-public-v1","_id":"2683450","_score":12.439546,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have contacted this consumer reporting agency on 2 separate occasions regarding a bankruptcy that the continually furnish inaccurately. I have not filed a bankruptcy. Despite my request they refuse to correct this issue. Besides the fact that I never filed bankruptcy they are ignoring the fact that a 3rd party can not validate an account. The original creditor which in this case would be the courthouse which does not validate any records by mail, phone, or fax. A phone system can not be used and nor can a third party such as XXXX XXXX as any information they report is considered hearsay. But this company insists this inaccurate information has been validated. I contacted XXXX XXXX and had my file suppressed and frozen so no information can be released unless I provide a pin and I have not done so in this case. So either this company is blatantly lying about this account being validated or XXXX XXXX is not being complaint with my right to suppress my information. If this is the case I am requesting that this company provide me with the documentation that they received from XXXX XXXX so that I may file a law suit against them for violating my rights. They have ignored this request to provide this information as well! Also there was a law passed on XXXX/XXXX/XXXX that states that any PUBLIC RECORDS that does not have qualifying identifying information such as a date of birth, social security number, address, etc must be deleted. Although this company tries to insinuate that this only applies to tax liens and judgments which is not accurate. This company is willfully and grossly being negligent. If I file this matter in a court of law the information I am requesting will have to be provided.","date_sent_to_company":"2017-09-25T06:00:02.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"212XX","tags":null,"has_narrative":true,"complaint_id":"2683450","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-09-25T05:53:23.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Despite my request they refuse to correct this <em>issue</em>. Besides the fact that I never filed bankruptcy they are ignoring the fact that a 3rd party can not validate an account. The <em>original</em> <em>creditor</em> which in this case would be the courthouse which does not validate any records by mail, phone, or fax. A phone system can not be used and nor can a third party such as XXXX XXXX as any information they report is <em>considered</em> hearsay."]},"sort":[12.439546,"2683450"]},{"_index":"complaint-public-v1","_id":"2683877","_score":12.436846,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have contacted this consumer reporting agency on 2 separate occasions regarding a bankruptcy that the continually furnish inaccurately. I have not filed a bankruptcy. Despite my request they refuse to correct this issue. Besides the fact that I never filed bankruptcy they are ignoring the fact that a XXXX party can not validate an account. The original creditor which in this case would be the courthouse which does not validate any records by mail, phone, or fax. A phone system can not be used and nor can a third party such as XXXX XXXX as any information they report is considered hearsay. But this company insists this inaccurate information has been validated. I contacted XXXX XXXX and had my file suppressed and frozen so no information can be released unless I provide a pin and I have not done so in this case. So either this company is blatantly lying about this account being validated or XXXX XXXX is not being complaint with my right to suppress my information. If this is the case I am requesting that this company provide me with the documentation that they received from XXXX XXXX so that I may file a law suit against them for violating my rights. They have ignored this request to provide this information as well! Also there was a law passed on XXXX/XXXX/XXXX that states that any PUBLIC RECORDS that does not have qualifying identifying information such as a date of birth, social security number, address, etc must be deleted. Although this company tries to insinuate that this only applies to tax liens and judgments which is not accurate. This company is willfully and grossly being negligent. If I file this matter in a court of law the information I am requesting will have to be provided.","date_sent_to_company":"2017-09-25T06:00:07.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"212XX","tags":null,"has_narrative":true,"complaint_id":"2683877","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-25T06:00:04.000Z","state":"MD","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Despite my request they refuse to correct this <em>issue</em>. Besides the fact that I never filed bankruptcy they are ignoring the fact that a XXXX party can not validate an account. The <em>original</em> <em>creditor</em> which in this case would be the courthouse which does not validate any records by mail, phone, or fax. A phone system can not be used and nor can a third party such as XXXX XXXX as any information they report is <em>considered</em> hearsay."]},"sort":[12.436846,"2683877"]},{"_index":"complaint-public-v1","_id":"6550753","_score":12.32844,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern : I am writing due to the negative marks made on my credit file. I would be willing to accept this debt if it were mine, upon Validation and Proof of Claim. In compliance with the provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt and that there is some contractual obligation to pay it. I request that you stop contacting me by telephone and restrict contact with me to writing only and only when you can provide adequate validation of this alleged debt. To review what constitutes legal validation, the following is a list of the required documentation : Complete payment history, the requirement of which has been established by XXXX v XXXX, XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount I owe obtained directly from the Original Creditor Date of Last Activity My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from Agreement that bears the signature of the alleged debtor wherein I agreed to pay the original creditor The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( D.Conn., XXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt Proof that this debt has not been written off as a tax liability Any other intimate knowledge of the creation of the debt by you, the collection agency Under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXX v. XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ), the court ruled that reporting a collection account is, indeed, considered collection activity. Please also note that this is not a request for partial validation, but rather a request for EVERYTHING listed here in order to constitute full and sufficient validation of this debt.","date_sent_to_company":"2023-02-10T02:17:48.000Z","issue":"False statements or representation","sub_product":"Medical debt","zip_code":"359XX","tags":null,"has_narrative":true,"complaint_id":"6550753","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Amsher Collection Services, Inc.","date_received":"2023-02-10T01:59:19.000Z","state":"AL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["to pay the <em>original</em> <em>creditor</em> The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe Proof of photo identification ( i.e., driver 's license, state identification card, or other government <em>issued</em> identification card ) that was presented to you at the time of incurring this debt Letter of sale or assignment from the <em>original</em> <em>creditor</em> to your company. ("]},"sort":[12.32844,"6550753"]},{"_index":"complaint-public-v1","_id":"8267092","_score":12.298085,"_source":{"product":"Credit card","complaint_what_happened":"According to the Fair Credit Reporting Act 15 USC 1681 states \" There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to credit and privacy. '' Capital one is a bank holding company specializing in credit cards, auto loans, banking, and savings accounts and I am the Consumer. \n\nCapital one prospectus clearly states, through inadvertence or otherwise, any of the receivables were sold or pledged to another party who purchased ( or received a pledge of ) the receivables in the ordinary course of its business and took possession of the original contracts in tangible form or control of the authoritative copy of the contracts in electronic form ( collectively, chattel paper ) giving rise to the receivables, the purchaser ( or pledgee ) would acquire an interest in the receivables superior to the interests of the issuing entity and the indenture trustee if the purchaser acquired the receivables for value and without knowledge that the purchase ( or pledge ) violates the rights of the issuing entity or the indenture trustee, which could cause investors to suffer losses on their notes. \n\nIt also states that Capital one is bound by regulations and rules, the following is straight from the prospectus, Numerous federal and state consumer protection laws and related regulations impose substantial requirements upon lenders and servicers involved in consumer finance, including requirements regarding the adequate disclosure of contract terms and limitations on contract terms, collection practices and creditor remedies. These laws include the Truth-in-Lending Act, the Equal Credit Opportunity Act, the Federal Trade Commission Act, the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Magnuson-Moss Warranty Act, the Consumer Financial Protection Bureaus Regulations B and Z, the Gramm Leach Bliley Act, the Servicemembers Civil Relief Act, state adoptions of model consumer protection acts and of the Uniform Consumer Credit Code, state motor vehicle retail installment sales acts, consumer lending laws, unfair or deceptive practices acts including requirements regarding the adequate disclosure of contract terms and limitations on contract terms, collection practices and creditor remedies and other similar laws.Liability under the HDC Rule is limited to the amounts paid by the obligor under the receivable, and the holder of the receivable may also be unable to collect any balance remaining due thereunder from the obligor. The HDC Rule is generally duplicated by the Uniform Consumer Credit Code, other state statutes or the common law in some states. However, liability of assignees for claims under state consumer protection laws may differ. \n\nOn your 10 k form on NOTE 5VARIABLE INTEREST ENTITIES AND SECURITIZATIONS, it states, In the normal course of business, we enter into various types of transactions with entities that are considered to be variable interest entities ( VIEs ). Our primary involvement with VIEs is related to our securitization transactions in which we transfer assets to securitization trusts. We primarily securitize credit card and auto loans, which provide a source of funding for us and enable us to transfer a certain portion of the economic risk of the loans or related debt securities to third parties. The entity that has a controlling financial interest in a VIE is referred to as the primary beneficiary and is required to consolidate the VIE. The majority of the VIEs in which we are involved have been consolidated in our financial statements. \n\nOn XX/XX/2024 I sent Capital One a letter in regards that they took my security ( application ) with out giving me compensation for it regardless of what ones credit score looks like .To my knowledge capital one clearly knows what theyre doing, taking our coupons and receivables and turning them over to receivables that are now asset back securities which capital one then sells on the secondary market, benefiting from our applications meanwhile I as a consumer and investor dont get anything in return. As you may be aware it is against federal law in accordance with the equal credit opportunity act to proclaim an adverse action against a consumer .Capital One is to resort to reasonable procedures to rectify this affair and compensate me for the use of MY securities. Otherwise, if not rectified, this would be considered securities fraud since I have received NO BENEFIT","date_sent_to_company":"2024-02-01T23:38:45.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"90745","tags":null,"has_narrative":true,"complaint_id":"8267092","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-02-01T23:31:06.000Z","state":"CA","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["As you may be aware it is against federal law in accordance with the equal credit opportunity act to proclaim an adverse action against a consumer .Capital One is to resort to reasonable procedures to rectify this affair and compensate me for the use of MY <em>securities</em>. Otherwise, if not rectified, this would be <em>considered</em> <em>securities</em> fraud since I have received NO BENEFIT"]},"sort":[12.298085,"8267092"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":683,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":683}]}},"product":{"doc_count":683,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":290,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":110},{"key":"I do not know","doc_count":76},{"key":"Auto debt","doc_count":22},{"key":"Other debt","doc_count":17},{"key":"Mortgage debt","doc_count":15},{"key":"Rental debt","doc_count":15},{"key":"Medical debt","doc_count":11},{"key":"Telecommunications debt","doc_count":8},{"key":"Federal student loan debt","doc_count":7},{"key":"Credit card","doc_count":3},{"key":"Payday 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