{"took":227,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":9,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"16486573","_score":20.791674,"_source":{"product":"Debt collection","complaint_what_happened":"This complaint is submitted on behalf of myself, XXXX XXXX, and my spouse, XXXX XXXX, who were co-tenants on the lease at XXXX XXXX. Fair Collections & Outsourcing ( XXXX ) is attempting to collect a fabricated and non-existent debt that was falsely reported by XXXX XXXX XXXX XXXX XXXX. The property was fully settled at move-out, with all balances paid and confirmed as closed by the property manager. Despite this, the landlord fabricated postmove-out charges for normal wear and tear and failed to return our {$500.00} security deposit as required by California Civil Code 1950.5.\n\nWithout ever providing written notice or validation, they reported a false balance of {$140.00} to XXXX nearly nine months later, in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). When questioned, the property manager falsely claimed the debt was related to unpaid utility charges from XXXX, but public records and the collection account clearly show that XXXXXXXX XXXXnot XXXXwas the source of the report. This demonstrates intentional misrepresentation and an effort to shift blame to avoid responsibility. \n\nWe have repeatedly requested verification of the alleged debt, including itemized statements, proof of assignment, and evidence of any legitimate balance, but neither XXXX nor XXXX XXXX  has provided any. Additionally, we have extensive email correspondence with the former property manager, XXXX XXXX, who acknowledged and discussed this matter in XXXX  yet failed to take corrective action. These communications, along with call records to the XXXX office seeking resolution, demonstrate clear bad faith and a pattern of negligence and deception. \n\nTheir false reporting has caused significant and ongoing harm, including damaged credit scores, increased borrowing costs, denial of rental housing opportunities, and emotional XXXX  resulting from being placed at risk of homelessness. We are requesting immediate investigation, deletion of the false collection record, refund of our security deposit, and written confirmation that all related data is permanently removed from all credit reporting systems and databases.","date_sent_to_company":"2025-10-22T13:45:56.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"95123","tags":null,"has_narrative":true,"complaint_id":"16486573","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FAIR COLLECTIONS & OUTSOURCING, INC.","date_received":"2025-10-09T16:02:18.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["We are requesting immediate investigation, deletion of the false collection record, refund of our <em>security</em> <em>deposit</em>, and written <em>confirmation</em> that all <em>related</em> <em>data</em> is <em>permanently</em> <em>removed</em> from all credit reporting systems and databases."]},"sort":[20.791674,"16486573"]},{"_index":"complaint-public-v1","_id":"19204934","_score":12.339718,"_source":{"product":"Checking or savings account","complaint_what_happened":"This is a new complaint based on information I was only recently able to obtain from Synchrony Bank, as I have been unable to log into their website from abroad. I now have proof, via bank statements and emails, that they have been lying about not charging international transaction fees since I first asked them about this in XXXX, XXXX, and in subsequent emails and phone calls. \n\nSynchrony Bank has consistently lied about charging ATM or foreign currency transaction fees since I filed this complaint last XXXX. Again, I have been consistently told by Synchrony that they do not charge international transaction fees and that they reimburse ATM fees. See attached emails for proof that they have been lying since XXXX, XXXX about international trasaction fees. \n\nCFPB Complaint filed against Synchrony Bank on XX/XX/XXXX Description : Synchrony Bank failed to respond appropriately to my original complaint -- especially my well-supported documentation of claims made by bank personnel both before and after my recent XXXX travel, which have been totally contradicted by Respondent -- as well as my complaints about being unable to reach their so-called \" XXXX banking department '', the Respondent 's contradiction of the terms set forth in their Consumer Deposit Account Agreement and Disclosures, and serious complaints about their so-called \" chat customer service '' function which is a total joke, as third-party chat agents have no access to account information. despite the fact that these issues have been well known to XXXX since XX/XX/XXXX. Their recent \" response '' contains the following misstatements, equivocations, fabrications, and outright lies : XXXX XXXX Synchrony Bank was informed by me on XX/XX/XXXX at XXXX pm XXXX that my XXXX phone number was no longer valid and should never be used to send security codes or other account confirmation information. During that same call, I provided a valid phone number for Synchrony Bank to reach me in the XXXX, but they never called me back. Despite this, XXXX claims that a \" colleague '' attempted to contact me on that invalid phone number on XX/XX/XXXX, more than XXXX weeks after I informed them telephonically that the XXXX phone number was no longer valid. This constitutes a gross violation of account security, as the phone number may well have been reassigned to another customer by that date. Synchrony Bank is fully responsible for any breach of account security due to their grossly irresponsibility and negligence. XXXX ) All phone charges from the XXXX have been documented in the complaint, and will not be documented by \" fax '', XXXX pigeon, snail mail, nor any other XXXX or XXXX technology. XXXX will provide a secure email address for all future communication. International phone calls to the XXXX from XXXX XXXX are based on a flat rate of XXXX XXXX, or roughly XXXX XXXX. There is no documentation from XXXX XXXX of charges for individual international calls. I do have phone logs of all calls made or attempted to the number I was given by your chat center, XXXX, and the general customer service number I was obliged to use after that number ceased working, XXXX. YOU WILL COMPENSATE ME FOR EVERY MINUTE USELESSLY SPENT ATTEMPTING TO GET ACCOUNT INFORMATION FROM YOU AT THESE XXXX NUMBERS, AND YOU WILL SUPPLY A SECURE EMAIL ADDRESS FOR THE DELIVERY OF COPIES OF MY CALL LOGS. BASED ON THE FEE OF XXXX XXXXXXXX, SYNCHRONY NOW OWES ME APPROXIMATELY {$25.00}. XXXX ) Respondent claims to be \" appreciative '' of my informing them about the misinformation I was given on XX/XX/XXXX and afterwards regarding Synchrony 's fee-free international withdrawals and reimbursements for all ATM fees, yet neither is mentioned specifically in the replay, and respondent deliberately avoids confirming or denying that such claims were made to me both before my departure from the XXXX and XXXX XX/XX/XXXX. Such claims were indeed made, and Synchrony has a legal obligation to abide by them. XXXX ) Respondent 's claim about the XXXX XXXX is laughable on its face, as I do indeed have a permanent XXXX address which I have been unable to change on Synchrony Bank 's website because I am unable to log into it. There is no obligation for a XXXX phone number from any of the other XXXX banks I do business with, and confirmation by email is all they require. In XXXX case, a bank activated my account for XXXX ACCESS confirmation so that neither telephonic nor email confirmation would be required. Synchrony has made no effort whatsoever to provide login confirmation by email, nor by a third-party confirmation app such as XXXX ACCESS because they simply don't care whether they have my account or not, and are outrageously incompetent in providing customers with alternatives to telephonic confirmation. For this egregious oversight alone, they should not be allowed to continue to conduct banking activity in the United States. XXXX XXXX Synchrony Bank indicates that they can not use an international mailing address to send account information to. I have never requested that they do so. I provided my permanent XXXX mailing address to the \" XXXX '' with whom I spoke on XX/XX/XXXX, but she obviously never reported it to the bank. In addition, all mail sent to my previous address will be forwarded to my permanent mailing address in the XXXX, as indeed Synchrony already knows, as they continued to send mail to my previous address despite my informing them of this change. The claim that somehow I am eligible to do banking in the XXXX because I have no XXXX mailing address is fallacious and a red herring, and Synchrony Bank knows it is. In addition, the international number XXXX provided XXXX XXXX XXXX no longer works, and since my original call to that number on XX/XX/XXXX, I have been unable to reach anyone using it. Synchrony Bank has no \" XXXX Banking '' department, and the claim by the XXXX I spoke with on XX/XX/XXXX that she was in that department was a total falsehood, as personnel at the regular customer service number have confirmed on multiple occasions. Respondent 's claim that I am unable to close my account because I am not physically present in the XXXX is the height of absurdity and worthy of ridicule and lawsuits to force them to abandon such a ridiculous claim. XXXX ) Respondent confirms that Synchrony Bank will refund all ATM fees charged by ATM machines up to {$5.00} per statement cycle. I have absolutely no way of knowing whether Synchrony has lived up to this promise because I have been unable to access my bank statements for the last 3 months, as Synchrony well knows. The distinction between an ATM card and a debit card is moot and absurd, as Synchrony 's ATM card functions exactly as a debit card, and no withdrawals can be performed above the current balance in the account. It baffles me that Synchrony would make such a ludicrous claim which has utterly no relevance to my complaint. Respondent 's claim that \" Synchrony Bank does not refund any foreign exchange conversion or ATM access fees when you use your card internationally '' directly contradicts what I was told by Synchrony Bank personnel both before my departure AND on XX/XX/XXXX, when I spoke with a \" XXXX '' in the \" XXXX banking '' department. No such distinction between foreign and international transactions appears in Synchrony Bank 's Consumer Deposit Account Agreement and Disclosures, so ALL ATM FEES MUST BE REFUNDED UP TO THE {$5.00} LIMIT PER BILLING CYCLE. ANY FAILURE OF SYNCHRONY BANK TO ABIDE BY THEIR OWN DECLARATIONS AND THE Consumer Deposit Account Agreement and Disclosures MUST BE CONSIDERED WILLFUL BREACH OF CONTRACT AND FRAUD. In addition, Synchrony confirmed before my departure and afterwards that Synchrony charges no international transaction fees, and that is indeed what I was told by way of confirmation from the \" international banking XXXX '' I spoke with on XX/XX/XXXX! ANY CLAIM TO THE CONTRARY IS A FLAT-OUT LIE, AND CONSTITUTES ANOTHER BREACH OF CONTRACT. ( NOTE THAT EVERY TIME I HAVE WITHDRAWN MONEY FROM MY SYNCHRONY ACCOUNT, SYNCHRONY HAS USED THE OFFICIAL XXXX XXXX XXXX XXXX XXXX PLUS A XXXX % XXXX  CURRENCY FEE, WHICH IS NOT APPLIED BY THE BANK OWNING THE ATM NOR BY XXXX XXXX, BUT ONLY BY SYNCHRONY BANK! AND I HAVE CHALLENGED THIS FEE EVERY TIME I MAKE A WITHDRAWAL, AND RECEIVE A REVISED NOTICE INDICATING THAT THE FEES HAVE BEEN REMOVED FROM THE TRANSACTIONS. BECAUSE RESPONDENT 'S CLAIM CONTRADICTS SYNCHRONY 'S MULTIPLE ASSURANCES THAT NO INTERNATIONAL EXCHANGE FEES ARE EVER CHARGED BY SYNCHRONY, IT MUST BE VIEWED AS A DELIBERATE BREACH OF CONTRACT BY THE BANK AND MUST BE FURTHER INVESTIGATED BY THE CFPB! XXXX ) Apparently the XXXX fails to understand how \" the internet '' works when she makes the following asinine statement : \" Online account access may not be available, as we are not an international bank ; as a XXXX XXXX XXXX XXXX XXXX XXXX  can not be verified ; and the internet may not support our website- www.synchronybank.com. Please know, chat agents are unable to verify the account, and they will direct the customer online. Once logged into your account, you can send a secure message to Synchrony Bank, and the account information can be provided through secure message. '' I have never had a problem accessing XXXX from the XXXX. The problem, as XXXX well knows, IS THAT I CAN'T LOG IN WITHOUT A CONFIRMATION CODE WHICH SYNCHRONY REFUSES TO SEND TO THE VALID EMAIL ACCOUNT ASSOCIATED WITH MY SYNCHRONY ACCOUNT, BUT INSISTS ON USING ONLY AUTO-GENERATED SMS CODES TO A XXXX PHONE XXXX WHICH HAS NOT BEEN VALID SINCE XX/XX/XXXX, AS I INFORMED SYNCHRONY ON XX/XX/XXXX. YET SYNCHRONY KEEPS INSISTING THAT I CAN ONLY ACCESS MY ACCOUNT ONLINE. I CAN NOT BECAUSE THEY REFUSE TO PROVIDE CONFIRMATION CODES BY EMAIL, PURE AND SIMPLE, AND AS A RESULT, SYNCHRONY IS REFUSING TO PROVIDE ACCESS TO MY ACCOUNT. THIS DIVERSION INTO THE MYTHOLOGY OF \" THE INTERNET '' IS NOTHING MORE THAN A DISTRACTION FROM THE REAL ISSUE RESPONSIBLE FOR DEPRIVING ME OF ACCESS TO MY ACCOUNT, WHICH IS SYNCHRONY 'S INSISTENCE ON SMS MESSAGES ONLY FOR CONFIRMATION CODES. NO ONE IS CONVINCED BY RESPONDENT 'S ATTEMPT TO BLAME THEIR ACTIONS ON \" THE INTERNET ''! XXXX ) Synchrony 's vapid XXXX regarding their concern for their customers is beneath contempt! Their is not a single \" compliance '' issue related to my accessing my account at Synchrony, as I am able to do with XXXX other banking institutions which are linked to my Synchrony account. I have no such \" compliance '' issues with them, as they actually care about their customers -- including those traveling abroad -- and provide full access to their account via email confirmation and account login not requiring SMS confirmation codes. Synchrony is on its own with this, and it is they who are not in compliance with the norms of reputable customer service. None of the issues I brought forward in my original complaints have been addressed by XXXX. This case MUST remain open until Synchrony complies with my right to access account information from overseas. Failure to do so is actionable, regardless of the CFPB 's findings, and will be pursued under state and federal banking regulations as appropriate. Because Synchrony Bank has failed to respond adequately to any of the claims made in my original complaint -- even after taking almost XXXX weeks to respond -- I submit this new complaint as a means of forcing respondent to deal with the lies, deceptions, denials, deferrals and outright fabrications which appear in Synchrony 's so-called respond. Nothing has been resolved. My demands for reimbursement still stand, as does my demand for access to my account! Sincerely, XXXX XXXX RESPONSE : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : CFPB Case XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Dear XXXX XXXX XXXX XXXX behalf of Synchrony Bank , we are responding to your concerns raised through the Consumer Financial Protection Bureau ( CFPB ). We appreciate you bringing this matter to our attention. My colleague attempted to call ( XXXX ) XXXX, the phone number on file and on the CFPB complaint on XX/XX/XXXX, in order to discuss your account ; however, they were unable to reach you and received a busy signal. \nWe previously responded to your complaint on XX/XX/XXXX. For your convenience, a copy of our response has been enclosed. After a review of your concerns regarding international contact with Synchrony Bank, online access, ATM fees and international transaction fees. Synchrony Bank feels we have accurately addressed your concerns. Our position remains the same as stated in our original response ( XXXX ). If you have any additional documentation for review, please provide a copy to us and we can reopen your investigation. \nThe following Information that can be found in our website www.synchronybank.com under FAQ : You can use an ATM displaying the XXXX or XXXX logos. Your ATM card is provisioned to work in the XXXX and internationally. To locate an ATM, click here. \nSynchrony Bank does not currently charge a fee for using an ATM. However, there XXXX be an ATM fee charged by the ATM owner/operator or the financial institution. Synchrony Bank will refund domestic ATM fees charged by other financial institutions, up to {$5.00} per statement cycle. Synchrony Bank does not refund any foreign exchange conversion or ATM access fees when you use your card internationally. \nOur international phone number is ( XXXX ) XXXX, Monday - Friday : XXXX XXXX to XXXXXXXX XXXX. XXXX, Saturday and Sunday : XXXXXXXX XXXX XXXX XXXX XXXX. XXXX. \nWhy does Synchrony not allow foreign addresses? In accordance with the XXXX XXXX and as part of our XXXX XXXX XXXX, Synchrony Bank is required to authenticate every Account Holders permanent address. Currently, we dont have a tool or system that can validate that a foreign address is legitimate. \nPlease know, Synchrony Bank not an international bank. There is no guarantee that customers will be able to log in online when outside the country due to internet/website security restrictions. Our XXXX XXXX ( XXXX ) is the practice of using multiple data elements and more than XXXX factor to assist in the authentication of an account holder 's identity : XXXX ) Knowledge - something the account holder and only the account holder will know ( username, password, the answer to their security question, account data, etc. ). \nPage XXXX XXXX ) Possession - something the account holder and only the account holder has access to ( a verified phone or phone number ). \nXXXX ) XXXX - something the account holder and only the account holder is ( voice recognition or biometrics ). \nUpdating personal information or sending an XXXX is a High Risk Transaction ( HRTs ), which is a transaction that could place the Bank or the account holder at risk of fraud. If these security measures can not be met, then we are unable to send an OTP to an unverified phone number, address, or email. \nFor security purposes, when accountholders access an account via the Internet from an unregistered device, accountholders are required to complete a XXXX Time Passcode ( OTP ) process in which the Bank will issue a temporary PIN code that can be sent via text message or telephone call to confirm their identity. If the telephone number provided has not been registered in the Bank 's system, they will be retrieved from the credit bureaus. If an accountholder registers their device, they will no longer be prompted to complete this step. \nIf you choose to close your XXXX account, the funds can be sent to a verified registered account or a check can be sent to a XXXX address. If you have any further concerns a banking representative can be reached at ( XXXX ) XXXX. \nWe would like to stress compliance is very important to Synchrony Bank, and we follow all applicable laws and regulations. Your account is also important to us, and we strive to serve our accountholders in a timely and satisfactory manner. We regret any dissatisfaction you may have experienced regarding this account. \nThank you for the opportunity to respond to your concerns raised through the CFPB. If you have additional questions regarding this matter, contact me at ( XXXX ) XXXX, extension XXXX. I welcome the opportunity to assist you. \nRespectfully, XXXX XXXX XXXX XXXX Senior XXXX Corporate Consumer Relations Synchrony Bank Attn : IID XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Enclosure ( XXXX ) cc : Consumer Financial Protection Bureau New CFPB Complaint XX/XX/XXXX What happened? \nDespite what is clearly stated in Synchrony Bank 's Consumer Deposit Account Agreement and Disclosures, Synchrony Bank XXXX XXXX XXXX Account has failed to compensate for service fees and ATM fees for overseas transactions. There is no specification that foreign ATM withdrawals are exempt from Synchrony 's policy of reimbursing such fees in the Consumer Deposit Account Agreement and Disclosures. To date, Synchrony has charged my account more than {$50.00} USD in such fees, and has made no effort to reimburse my account. This is fraud. \nI want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. \n\nThe CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. \nInactive modal Inactive modal Edit this section What would be a fair resolution to this issue? \nImmediately restore ALL FUNDS debited from my account for foreign ATM or transaction fees and notify me immediately by email that this has been done. Synchrony bank has my verified email address on file. Under no circumstances is Synchrony Bank to use my old phone number XXXX XXXX as that number is no longer within my control. Synchrony bank has received a Cease and Desist order prohibiting them from using that number, and any infractions will be prosecuted. \nInactive modal Edit this section XXXX attachment View uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within XXXX minutes of upload. \n________________________________________ CFPB Complaint filed against Synchrony Bank on XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2026-02-03T08:50:51.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"85704","tags":"Older American","has_narrative":true,"complaint_id":"19204934","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2026-02-03T08:31:18.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Our XXXX XXXX ( XXXX ) is the practice of using multiple <em>data</em> elements and more than XXXX factor to assist in the authentication of an account holder 's identity : XXXX ) Knowledge - something the account holder and only the account holder will know ( username, password, the answer to their <em>security</em> question, account <em>data</em>, etc. ). \nPage XXXX XXXX ) Possession - something the account holder and only the account holder has access to ( a verified phone or phone number )."]},"sort":[12.339718,"19204934"]},{"_index":"complaint-public-v1","_id":"16303778","_score":12.21901,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"1. Legal Letter ( To Credit Bureaus ) XXXX XXXX XXXX To : XXXX  XXXX XXXX XXXX Subject : Identity Theft Dispute Demand for Removal of Fraudulent Accounts Dear Sir or Madam, I, XXXX XXXX XXXX, am writing to formally dispute and demand the removal of fraudulent accounts that have been unlawfully associated with my name, Social Security number, and credit file. I am a documented victim of identity theft and have never applied for, authorized, or entered into the lease agreements or related obligations for the accounts listed below. \n\nFraudulent accounts : 1. National Credit Systems , Inc. ( Account # XXXX ) Allegedly associated with XXXX XXXX XXXX XXXX ; reported balance : {$2100.00}. I have never applied for, signed, or entered into a lease agreement with this property. XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) Allegedly associated with XXXXXXXX XXXX XXXX XXXX XXXX reported balance : {$15000.00}. I have never resided at this property or authorized the use of my identity. \nThese accounts are appearing on my credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including Section 605B ( 15 U.S.C. 1681c-2 ), which requires credit reporting agencies to block information resulting from identity theft. They are also being reported contrary to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). \n\nI have never provided identification, proof of address, utility bills, or bank statements to these entities, nor authorized any third party to do so on my behalf. Any such documentation is fraudulent. I have previously disputed these accounts with the collection agencies and demanded validation pursuant to FDCPA 1692g ( b ), yet no legitimate proof of liability has been provided. \n\nEnclosures for your review : 1. FTC Identity Theft Report ( full text included below ) 2. Copy of my credit report highlighting these fraudulent accounts 3. FTC Notice to Furnishers under the FCRA Demand : 1. Conduct a reasonable investigation into these fraudulent accounts. 2. Block and permanently remove these accounts from my credit file within thirty ( 30 ) days of receipt. 3. Provide written confirmation of deletion and closure of these accounts. \nFailure to comply within the statutory period will subject you to potential liability under 15 U.S.C. 1681n, 1681o, including damages, costs, and attorneys fees.\n\nI declare under penalty of perjury that the statements contained herein are true and correct to the best of my knowledge and belief. \nSincerely, XXXX XXXX XXXX To : XXXX  Subject : Identity Theft Dispute Demand for Removal of Fraudulent Accounts Dear Sir or Madam, I, XXXX XXXX XXXX, am writing to formally dispute and demand the removal of fraudulent accounts that have been unlawfully associated with my name, Social Security number, and credit file. I am a documented victim of identity theft and have never applied for, authorized, or entered into the lease agreements or related obligations for the accounts listed below. \n\nFraudulent accounts : 1. National Credit Systems , Inc. ( Account # XXXX ) Allegedly associated with XXXX XXXX XXXX XXXX ; reported balance : {$2100.00}. I have never applied for, signed, or entered into a lease agreement with this property. XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) Allegedly associated with XXXX XXXX XXXX XXXX ; reported balance : {$15000.00}. I have never resided at this property or authorized the use of my identity. \nThese accounts are appearing on my credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including Section 605B ( 15 U.S.C. 1681c-2 ), which requires credit reporting agencies to block information resulting from identity theft. They are also being reported contrary to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). \n\nI have never provided identification, proof of address, utility bills, or bank statements to these entities, nor authorized any third party to do so on my behalf. Any such documentation is fraudulent. I have previously disputed these accounts with the collection agencies and demanded validation pursuant to FDCPA 1692g ( b ), yet no legitimate proof of liability has been provided. \nEnclosures for your review : 1. FTC Identity Theft Report ( full text included below ) 2. Copy of my credit report highlighting these fraudulent accounts 3. FTC Notice to Furnishers under the FCRA Demand : 1. Conduct a reasonable investigation into these fraudulent accounts. 2. Block and permanently remove these accounts from my credit file within thirty ( 30 ) days of receipt. 3. Provide written confirmation of deletion and closure of these accounts. \nFailure to comply within the statutory period will subject you to potential liability under 15 U.S.C. 1681n, 1681o, including damages, costs, and attorneys fees.\n\nI declare under penalty of perjury that the statements contained herein are true and correct to the best of my knowledge and belief. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX To : XXXX  XXXX Subject : Identity Theft Dispute Demand for Removal of Fraudulent Accounts Dear Sir or Madam, I, XXXX XXXX XXXX, am writing to formally dispute and demand the removal of fraudulent accounts that have been unlawfully associated with my name, Social Security number, and credit file. I am a documented victim of identity theft and have never applied for, authorized, or entered into the lease agreements or related obligations for the accounts listed below. \n\nFraudulent accounts : 1. National Credit Systems , Inc. ( Account # XXXX ) Allegedly associated with XXXX XXXX XXXX XXXX ; reported balance : {$2100.00}. I have never applied for, signed, or entered into a lease agreement with this property. XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) Allegedly associated with XXXX XXXX XXXXXXXX XXXX ; reported balance : {$15000.00}. I have never resided at this property or authorized the use of my identity. \n\nThese accounts are appearing on my credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including Section 605B ( 15 U.S.C. 1681c-2 ), which requires credit reporting agencies to block information resulting from identity theft. They are also being reported contrary to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). \n\nI have never provided identification, proof of address, utility bills, or bank statements to these entities, nor authorized any third party to do so on my behalf. Any such documentation is fraudulent. I have previously disputed these accounts with the collection agencies and demanded validation pursuant to FDCPA 1692g ( b ), yet no legitimate proof of liability has been provided. \n\nEnclosures for your review : 1. FTC Identity Theft Report ( full text included below ) 2. Copy of my credit report highlighting these fraudulent accounts 3. FTC Notice to Furnishers under the FCRA Demand : 1. Conduct a reasonable investigation into these fraudulent accounts. 2. Block and permanently remove these accounts from my credit file within thirty ( 30 ) days of receipt. 3. Provide written confirmation of deletion and closure of these accounts. \nFailure to comply within the statutory period will subject you to potential liability und\n\ner 15 U.S.C. 1681n, 1681o, including damages, costs, and attorneys fees. I declare under penalty of perjury t\nhat the statements contained herein are true and correct to the best of my knowledge and belief. \nSincerely, XXXX XXXX XXXX XXXX. FTC Identity Theft Report Identity Theft Report I, XXXX XXXX XXXX, am submitting this Identity Theft Report to document fraudulent accounts that have been unlawfully associated with my name, Social Security number, and credit file. I am a victim of identity theft and have never applied for, authorized, or executed the lease agreements or related obligations that are being reported against me. \n\nFraudulent accounts at issue : 1. National Credit Systems , Inc. ( Account # XXXX ) Allegedly associated with XXXX XXXX XXXX XXXX ; reported balance : {$2100.00}. I never applied for, signed, or entered into a lease agreement with XXXX XXXX XXXX XXXX, nor did I authorize any individual to do so on my behalf. This account was opened without my knowledge or consent and is therefore fraudulent. \n\nXXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) Allegedly associated with XXXXXXXX XXXX XXXX XXXX ; reported balance : {$15000.00}. I have never resided at XXXX XXXX XXXX XXXX, never executed a lease agreement with this property, and did not authorize the use of my identity for this transaction. This account was also opened fraudulently and is not valid. \n\nThese fraudulent accounts are now appearing on my credit report, causing significant harm to my creditworthiness and reputation. The reporting of these accounts is inaccurate, misleading, and in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), which prohibit the furnishing and collection of debts that are not valid. \n\nI have formally disputed these accounts in writing with the collection agencies and have demanded removal under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), which provides victims of identity theft the right to block fraudulent information from their consumer reports. I have also demanded validation of the debts pursuant to 15 U.S.C. 1692g ( b ) of the FDCPA. To date, I have not received legitimate documentation showing that these debts are valid or lawfully associated with me. \n\nTo be clear, I have never lived at XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. I have never signed a lease agreement with either property, never participated in move-in or move-out inspections, and never received or returned a deposit. I have not received any termination notice, rent ledger, or refund letters because I have never been a tenant at either property. \n\nIn addition, I have never provided copies of my identification, proof of address, bank statements, or utility bills to these entities, nor authorized any person to submit such documents on my behalf. If such documents exist in their files, they were obtained and used without my consent and are therefore fraudulent. \n\nThe impact of this identity theft has been severe. These fraudulent accounts have damaged my credit history and impaired my ability to obtain housing, employment, and credit. The continued reporting of these accounts exposes me to ongoing harm, as prospective landlords, creditors, and employers rely on inaccurate and fraudulent data. \nBy filing this Identity Theft Report, I am documenting that I am the victim of fraud, and I am formally requesting that the Federal Trade Commission recognize these accounts as unauthorized. I am also invoking my rights under federal law to ensure that these fraudulent accounts are blocked, deleted, and permanently removed from my credit file. \nI respectfully request that the FTC note the following in support of my position : - Both accounts were opened without my knowledge, authorization, or consent. - I have never had any contractual relationship with XXXX XXXX XXXX XXXX  or XXXX XXXX XXXX XXXX. - The associated collection agencies National Credit Systems , Inc. and XXXX XXXX XXXX XXXX have failed to provide legally sufficient documentation establishing my liability. - I have disputed these accounts with supporting evidence, including this Identity Theft Report, a copy of my credit report highlighting the fraudulent items, and my correspondence requesting deletion and documentation. - Any lease agreements, inspection reports, correspondence, utility bills, or identification documents allegedly linking me to these accounts are either forged, fabricated, or otherwise fraudulent. \n\nThis report is submitted in good faith and in reliance on the protections afforded to victims of identity theft under federal law. My purpose in submitting this statement is to establish a clear record that these debts do not belong to me and must not be reported, collected, sold, or transferred. \nI declare under penalty of perjury that the statements contained in this Identity Theft Report are true and correct to the best of my knowledge and belief. \nXXXX XXXX XXXX XXXX Credit Reporting XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$15000.00} - - -No Data - - -No Data NATIONAL CREDIT SYSTEMS XXXXXXXX XXXX XXXX  {$2100.00} - - -No Data XXXX. Collection Agencies XXXX XXXX XXXX National Credit Systems , Inc . \nFraud Department RE : Account # XXXX Dear Sir or Madam : I am disputing the above-referenced account reported by National Credit Systems , which is associated with XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft and did not authorize, sign for, or enter into any lease agreement with this property. The account and reported balance of {$2100.00} are fraudulent. \nI request that you : 1. Remove this fraudulent account from your records.\n\n2. Cease reporting this inaccurate information to all credit reporting agencies.\n\n3. Provide me with written confirmation that the account has been deleted. \nEnclosed are : A copy of my FTC Identity Theft Report A copy of my credit report highlighting this fraudulent item A copy of the FTC Notice to Furnishers outlining your obligations under the Fair Credit Reporting Act ( FCRA ) Under Section XXXX of the FCRA, you are required to block and remove fraudulent information within 14 days of receipt of this notice. Please confirm in writing once this action has been completed. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department RE : Account # XXXXXXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I am disputing the above-referenced account reported by XXXX XXXX XXXX XXXX XXXX which is associated with XXXX XXXX XXXX XXXX. I am a victim of identity theft and did not authorize or enter into any lease agreement with this property. The reported balance of {$15000.00} is fraudulent. \nI request that you : 1. Delete this fraudulent account and all related records.\n\n2. Stop furnishing false information to the nationwide credit reporting agencies.\n\n3. Provide me with written confirmation of the deletion. \nEnclosed are : A copy of my FTC Identity Theft Report A copy of my credit report showing this fraudulent entry A copy of the FTC Notice to Furnishers under the FCRA Per Section 605B of the Fair Credit Reporting Act, you are required to block and remove this fraudulent information within 14 days of this request. Please confirm in writing. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-10-02T00:47:10.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"94509","tags":null,"has_narrative":true,"complaint_id":"16303778","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2025-10-02T00:41:41.000Z","state":"CA","company_public_response":null,"sub_issue":"Information is incorrect"},"highlight":{"complaint_what_happened":["I am also invoking my rights under federal law to ensure that these fraudulent accounts are blocked, deleted, and <em>permanently</em> <em>removed</em> from my credit file."]},"sort":[12.21901,"16303778"]},{"_index":"complaint-public-v1","_id":"16305052","_score":12.204851,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"1. Legal Letter ( To Credit Bureaus ) XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX Subject : Identity Theft Dispute Demand for Removal of Fraudulent Accounts Dear Sir or Madam, I, XXXX XXXX XXXX, am writing to formally dispute and demand the removal of fraudulent accounts that have been unlawfully associated with my name, Social Security number, and credit file. I am a documented victim of identity theft and have never applied for, authorized, or entered into the lease agreements or related obligations for the accounts listed below. \nFraudulent accounts : XXXX. XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) Allegedly associated with XXXX XXXX XXXX XXXX ; reported balance : {$2100.00}. I have never applied for, signed, or entered into a lease agreement with this property. XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) Allegedly associated with XXXXXXXX XXXX XXXX XXXX  ; reported balance : {$15000.00}. I have never resided at this property or authorized the use of my identity. \nThese accounts are appearing on my credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including Section 605B ( 15 U.S.C. 1681c-2 ), which requires credit reporting agencies to block information resulting from identity theft. They are also being reported contrary to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ).\n\nI have never provided identification, proof of address, utility bills, or bank statements to these entities, nor authorized any third party to do so on my behalf. Any such documentation is fraudulent. I have previously disputed these accounts with the collection agencies and demanded validation pursuant to FDCPA 1692g ( b ), yet no legitimate proof of liability has been provided. \nEnclosures for your review : 1. FTC Identity Theft Report ( full text included below ) 2. Copy of my credit report highlighting these fraudulent accounts 3. FTC Notice to Furnishers under the FCRA Demand : 1. Conduct a reasonable investigation into these fraudulent accounts. 2. Block and permanently remove these accounts from my credit file within thirty ( 30 ) days of receipt. 3. Provide written confirmation of deletion and closure of these accounts. \nFailure to comply within the statutory period will subject you to potential liability under 15 U.S.C. 1681n, 1681o, including damages, costs, and attorneys fees.\n\nI declare under penalty of perjury that the statements contained herein are true and correct to the best of my knowledge and belief. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX To : XXXX Subject : Identity Theft Dispute Demand for Removal of Fraudulent Accounts Dear Sir or Madam, I, XXXX XXXX XXXX, am writing to formally dispute and demand the removal of fraudulent accounts that have been unlawfully associated with my name, Social Security number, and credit file. I am a documented victim of identity theft and have never applied for, authorized, or entered into the lease agreements or related obligations for the accounts listed below. \nFraudulent accounts : XXXX. XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) Allegedly associated with XXXX XXXX XXXX XXXX ; reported balance : {$2100.00}. I have never applied for, signed, or entered into a lease agreement with this property. XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) Allegedly associated with XXXXXXXX XXXX XXXX XXXX  ; reported balance : {$15000.00}. I have never resided at this property or authorized the use of my identity. \nThese accounts are appearing on my credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including Section 605B ( 15 U.S.C. 1681c-2 ), which requires credit reporting agencies to block information resulting from identity theft. They are also being reported contrary to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ).\n\nI have never provided identification, proof of address, utility bills, or bank statements to these entities, nor authorized any third party to do so on my behalf. Any such documentation is fraudulent. I have previously disputed these accounts with the collection agencies and demanded validation pursuant to FDCPA 1692g ( b ), yet no legitimate proof of liability has been provided.\n\nEnclosures for your review : 1. FTC Identity Theft Report ( full text included below ) 2. Copy of my credit report highlighting these fraudulent accounts 3. FTC Notice to Furnishers under the FCRA Demand : 1. Conduct a reasonable investigation into these fraudulent accounts. 2. Block and permanently remove these accounts from my credit file within thirty ( 30 ) days of receipt. 3. Provide written confirmation of deletion and closure of these accounts. \nFailure to comply within the statutory period will subject you to potential liability under 15 U.S.C. 1681n, 1681o, including damages, costs, and attorneys fees.\n\nI declare under penalty of perjury that the statements contained herein are true and correct to the best of my knowledge and belief. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX To : XXXX XXXX Subject : Identity Theft Dispute Demand for Removal of Fraudulent Accounts Dear Sir or Madam, I, XXXX XXXX XXXX, am writing to formally dispute and demand the removal of fraudulent accounts that have been unlawfully associated with my name, Social Security number, and credit file. I am a documented victim of identity theft and have never applied for, authorized, or entered into the lease agreements or related obligations for the accounts listed below. \nFraudulent accounts : XXXX. XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) Allegedly associated with XXXX XXXX XXXX XXXX ; reported balance : {$2100.00}. I have never applied for, signed, or entered into a lease agreement with this property. XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) Allegedly associated with XXXXXXXX XXXX XXXX XXXX ; reported balance : {$15000.00}. I have never resided at this property or authorized the use of my identity. \nThese accounts are appearing on my credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including Section 605B ( 15 U.S.C. 1681c-2 ), which requires credit reporting agencies to block information resulting from identity theft. They are also being reported contrary to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ).\n\nI have never provided identification, proof of address, utility bills, or bank statements to these entities, nor authorized any third party to do so on my behalf. Any such documentation is fraudulent. I have previously disputed these accounts with the collection agencies and demanded validation pursuant to FDCPA 1692g ( b ), yet no legitimate proof of liability has been provided.\n\nEnclosures for your review : 1. FTC Identity Theft Report ( full text included below ) 2. Copy of my credit report highlighting these fraudulent accounts 3. FTC Notice to Furnishers under the FCRA Demand : 1. Conduct a reasonable investigation into these fraudulent accounts. 2. Block and permanently remove these accounts from my credit file within thirty ( 30 ) days of receipt. 3. Provide written confirmation of deletion and closure of these accounts.\n\nFailure to comply within the statutory period will subject you to potential liability under 15 U.S.C. 1681n, 1681o, including damages, costs, and attorneys fees.\n\nI declare under penalty of perjury that the statements contained herein are true and correct to the best of my knowledge and belief. \nSincerely, XXXX XXXX XXXX XXXX. FTC Identity Theft Report Identity Theft Report I, XXXX XXXX XXXX, am submitting this Identity Theft Report to document fraudulent accounts that have been unlawfully associated with my name, Social Security number, and credit file. I am a victim of identity theft and have never applied for, authorized, or executed the lease agreements or related obligations that are being reported against me. \nFraudulent accounts at issue : XXXX. XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) Allegedly associated with XXXX XXXX XXXX XXXX ; reported balance : {$2100.00}. I never applied for, signed, or entered into a lease agreement with XXXX XXXX XXXX XXXX, nor did I authorize any individual to do so on my behalf. This account was opened without my knowledge or consent and is therefore fraudulent. XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) Allegedly associated with XXXXXXXX XXXX XXXX XXXX XXXX  reported balance : {$15000.00}. I have never resided at XXXXXXXX XXXX XXXX XXXX, never executed a lease agreement with this property, and did not authorize the use of my identity for this transaction. This account was also opened fraudulently and is not valid. \nThese fraudulent accounts are now appearing on my credit report, causing significant harm to my creditworthiness and reputation. The reporting of these accounts is inaccurate, misleading, and in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), which prohibit the furnishing and collection of debts that are not valid. \nI have formally disputed these accounts in writing with the collection agencies and have demanded removal under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), which provides victims of identity theft the right to block fraudulent information from their consumer reports. I have also demanded validation of the debts pursuant to 15 U.S.C. 1692g ( b ) of the FDCPA. To date, I have not received legitimate documentation showing that these debts are valid or lawfully associated with me. \nTo be clear, I have never lived at XXXX XXXX XXXX XXXX or XXXXXXXX XXXX XXXX XXXX I have never signed a lease agreement with either property, never participated in move-in or move-out inspections, and never received or returned a deposit. I have not received any termination notice, rent ledger, or refund letters because I have never been a tenant at either property. \nIn addition, I have never provided copies of my identification, proof of address, bank statements, or utility bills to these entities, nor authorized any person to submit such documents on my behalf. If such documents exist in their files, they were obtained and used without my consent and are therefore fraudulent. \nThe impact of this identity theft has been severe. These fraudulent accounts have damaged my credit history and impaired my ability to obtain housing, employment, and credit. The continued reporting of these accounts exposes me to ongoing harm, as prospective landlords, creditors, and employers rely on inaccurate and fraudulent data. \nBy filing this Identity Theft Report, I am documenting that I am the victim of fraud, and I am formally requesting that the Federal Trade Commission recognize these accounts as unauthorized. I am also invoking my rights under federal law to ensure that these fraudulent accounts are blocked, deleted, and permanently removed from my credit file. \nI respectfully request that the FTC note the following in support of my position : - Both accounts were opened without my knowledge, authorization, or consent. - I have never had any contractual relationship with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - The associated collection agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have failed to provide legally sufficient documentation establishing my liability. - I have disputed these accounts with supporting evidence, including this Identity Theft Report, a copy of my credit report highlighting the fraudulent items, and my correspondence requesting deletion and documentation. - Any lease agreements, inspection reports, correspondence, utility bills, or identification documents allegedly linking me to these accounts are either forged, fabricated, or otherwise fraudulent. \nThis report is submitted in good faith and in reliance on the protections afforded to victims of identity theft under federal law. My purpose in submitting this statement is to establish a clear record that these debts do not belong to me and must not be reported, collected, sold, or transferred. \nI declare under penalty of perjury that the statements contained in this Identity Theft Report are true and correct to the best of my knowledge and belief. \nXXXX XXXX XXXX XXXX Credit Reporting XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$15000.00} - - -No Data - - -No Data XXXX XXXX XXXX XXXX XXXX * {$2100.00} - - -No Data XXXX. Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nXXXXXXXX XXXX RE : Account # XXXX Dear Sir or Madam : I am disputing the above-referenced account reported by XXXX XXXX XXXXXXXX XXXX which is associated with XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft and did not authorize, sign for, or enter into any lease agreement with this property. The account and reported balance of {$2100.00} are fraudulent. \nI request that you : 1. Remove this fraudulent account from your records.\n\n2. Cease reporting this inaccurate information to all credit reporting agencies.\n\n3. Provide me with written confirmation that the account has been deleted.\n\nEnclosed are : A copy of my FTC Identity Theft Report A copy of my credit report highlighting this fraudulent item A copy of the FTC Notice to Furnishers outlining your obligations under the Fair Credit Reporting Act ( FCRA ) Under Section 605B of the FCRA, you are required to block and remove fraudulent information within 14 days of receipt of this notice. Please confirm in writing once this action has been completed. \nSincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Account XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir or Madam : I am disputing the above-referenced account reported by XXXX XXXX XXXX XXXX XXXX which is associated with XXXX XXXX XXXX XXXX  I am a victim of identity theft and did not authorize or enter into any lease agreement with this property. The reported balance of {$15000.00} is fraudulent.\n\nI request that you : 1. Delete this fraudulent account and all related records.\n\n2. Stop furnishing false information to the nationwide credit reporting agencies.\n\n3. Provide me with written confirmation of the deletion.\n\nEnclosed are : A copy of my FTC Identity Theft Report A copy of my credit report showing this fraudulent entry A copy of the FTC Notice to Furnishers under the FCRA Per Section 605B of the Fair Credit Reporting Act, you are required to block and remove this fraudulent information within 14 days of this request. Please confirm in writing. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-10-02T00:41:17.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"94509","tags":null,"has_narrative":true,"complaint_id":"16305052","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","date_received":"2025-10-02T00:18:59.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am also invoking my rights under federal law to ensure that these fraudulent accounts are blocked, deleted, and <em>permanently</em> <em>removed</em> from my credit file."]},"sort":[12.204851,"16305052"]},{"_index":"complaint-public-v1","_id":"18123686","_score":10.606129,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX XXXX Last XXXX digits of XXXX : XXXX Date : XX/XX/XXXX Early Warning Services , LLC XXXX : XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX, AZ XXXX Re : Follow-Up Demand as Victim of Identity Theft Immediate Block and Permanent Deletion of Fraudulent Accounts Within XXXX Hours or No Later Than XXXX Business Days ; Reference Your Acknowledgment Dated XX/XX/XXXX Early Warning Consumer # XXXX Dear Early Warning Services, This letter serves as a formal follow-up to my initial dispute letter dated XX/XX/XXXX, and your acknowledgment letter dated XX/XX/XXXX ( Consumer # XXXX ). Despite your receipt of my FTC Identity Theft Report # XXXX and supporting documentation, you have not yet confirmed the blocking and permanent deletion of the fraudulent accounts on my consumer report. I am reiterating my demand for immediate action under federal law, as these fraudulent items continue to cause me severe harm. \nAs a victim of identity theft, I am disputing the following unauthorized and fraudulent accounts on my Early Warning consumer report. These accounts were opened without my knowledge, consent, or authorization using my stolen personal information ( including my name, address, phone number XXXX, and Social Security Number ending in XXXX ). I have no accounts, applications, or relationships with these entities, and these entries are the direct result of criminal fraud. \nThe ongoing presence of these accounts is inflicting substantial and irreparable harm, including : Blocking my ability to open new checking or savings accounts, as financial institutions rely on your reports to assess risk. \nCausing denials of essential banking services, loans, and financial opportunities, exacerbating my economic hardship. \nImposing higher fees, deposit requirements, or restrictions on any limited services I can access due to this false negative history. \nInflicting emotional distress, anxiety, and significant time loss in resolving this identity theft, which has persisted undetected for years. \nIncreasing the risk of further fraud, as these entries lend legitimacy to the thieves ' actions in the eyes of other institutions. \n\nPursuant to the Fair Credit Reporting Act ( FCRA ), you are required to block and permanently delete these fraudulent accounts within XXXX business days of receiving my documentation ( i.e., no later than XX/XX/XXXX ). However, given the immediate and escalating harm, I demand compliance within XXXX hours of receipt of this follow-up letter. Your failure to act expeditiously constitutes willful noncompliance, exposing XXXX XXXX XXXX to civil liability, including statutory damages of up to {$1000.00} per violation, actual damages, punitive damages, and attorney fees under FCRA XXXX ( XXXX XXXX. XXXX ). As a specialty consumer reporting agency focused on banking reports, you are fully subject to these FCRA provisions, as confirmed by CFPB guidance and enforcement actions. \nThe fraudulent unauthorized accounts that must be blocked and permanently removed are : Fraudulent Checking or Savings Account XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$520.00} Details : I did not open or authorize this XXXX account. It is a product of identity theft, falsely signaling risky behavior and preventing me from accessing banking services. \nFraudulent Checking or Savings Account XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$3300.00} Details : This unauthorized XXXX XXXX account damages my banking profile. I have no relationship with XXXX XXXX, and its retention violates my rights under FCRA. \nFraudulent Checking or Savings Account XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$0.00} Details : This Chase account is fraudulent and part of the theft pattern, inaccurately portraying negative history and leading to denials. \nFraudulent Checking or Savings Account XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : [ Not Specified ; Discovered During Review ] Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$0.00} Details : Similar to the above, this is another unauthorized Chase entry from stolen identity, necessitating immediate deletion to halt ongoing harm. \n\nI have enclosed ( or previously provided ) the following documentation as required by FCRA XXXX : FTC Identity Theft Report ( Affidavit ) # XXXX Copy of my Social Security card ( front and back, showing last XXXX digits XXXX ) Note : The FTC Identity Theft Report serves as my official statement and is sufficient proof under FCRA, even without a separate police report. \n\nYour legal obligations include the following, with detailed explanations and penalties for noncompliance : FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Identity Theft Information : As a consumer reporting agency ( CRA ), you must block reporting of any information identified as resulting from identity theft within 4 business days of receiving proper documentation. This provision mandates swift removal to protect victims. Your delay exposes you to liability under 1681n for willful noncompliance ( statutory damages {$100.00} {$1000.00} per violation, actual/punitive damages, attorney fees ).\n\nFCRA 611 ( a ) ( 1 ) ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Procedure in Case of Disputed Accuracy : Requires reasonable reinvestigation within 30 days, with deletion if inaccurate or unverifiable. For identity theft, expedited deletion is required ; failure triggers 1681n damages.\n\nFCRA 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) Duties of Furnishers Regarding Identity Theft : Prohibits furnishers ( e.g., XXXX, XXXX XXXX XXXX XXXX ) XXXX reporting known inaccurate information due to theft. You must notify furnishers to cease reporting and prohibit reinsertion without certification. \nFCRA 616 ( 15 U.S.C. 1681n ) Civil Liability for Willful Noncompliance : Allows recovery of actual damages, statutory damages ( {$100.00} {$1000.00} per violation ), punitive damages, and attorney fees for willful violations. Your inaction, despite clear evidence, qualifies as willful.\n\nFCRA 617 ( 15 U.S.C. 1681o ) Civil Liability for Negligent Noncompliance : Provides for actual damages and attorney fees even for negligent failures.\n\nCFPA 1031 & 1036 ( 12 U.S.C. 5531, 5536 ) Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : Prohibits CRAs from acts causing foreseeable consumer harm. Maintaining fraudulent data is unfair/abusive, enforceable by CFPB with XXXX up to {$1.00} XXXX per day for knowing violations. Note CFPB 's recent enforcement against Early Warning for fraud-related failures ( e.g., Zelle lawsuit XXXX XXXX but highlighting scrutiny ). \nFDCPA XXXX ( XXXX XXXX. XXXX ) False or Misleading Representations : Bans deceptive practices; retaining fraudulent accounts misrepresents my history, harming access to services. \nFTC Red Flags Rule ( 16 C.F.R. 681.1 ) Identity Theft Prevention Programs : Requires you to detect and respond to red flags like my dispute ; ignoring them violates this rule.\n\nGramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801 et seq. ) Safeguards Rule : Mandates protection of consumer financial information ; your failure to promptly remove fraudulent data breaches privacy safeguards, subjecting you to CFPB/FTC enforcement XXXX \n\nEarly Warning 's history of CFPB scrutiny ( e.g., XXXX Zelle fraud lawsuit alleging lax fraud prevention ) underscores the need for compliance to avoid further actions. \nI demand : XXXX block and permanent deletion of all XXXX accounts within XXXX hours ( or by XX/XX/XXXX, per FCRA ) ; Written confirmation of deletion, steps taken with furnishers, and no reinsertion ; An updated consumer report showing removal ; Cease all reporting of these items. \n\nNoncompliance will prompt immediate CFPB/FTC complaints , NY AG referral ( noting their XXXX lawsuit against you ), and a lawsuit for maximum damages. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-12-04T03:54:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10705","tags":null,"has_narrative":true,"complaint_id":"18123686","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-12-04T03:26:59.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Maintaining fraudulent <em>data</em> is unfair/abusive, enforceable by CFPB with XXXX up to {$1.00} XXXX per day for knowing violations. Note CFPB 's recent enforcement against Early Warning for fraud-<em>related</em> failures ( e.g., Zelle lawsuit XXXX XXXX but highlighting scrutiny ). \nFDCPA XXXX ( XXXX XXXX. XXXX ) False or Misleading Representations : Bans deceptive practices; retaining fraudulent accounts misrepresents my history, harming access to services."]},"sort":[10.606129,"18123686"]},{"_index":"complaint-public-v1","_id":"17897675","_score":8.378394,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this new CFPB complaint against XXXX XXXX ( original creditor ) and XXXX XXXX ( collection agency ) because both companies are reporting, attempting to collect, or attempting to validate XXXX loans that do not belong to me, that I did not authorize, and that I did not apply for. I have filed a formal FTC Identity Theft Report stating that these accounts are fraudulent and that I do not own either of the XXXX loans XXXX XXXX claims were opened in my name. Despite this, both XXXX XXXX and XXXX XXXX continue to report the accounts and continue to treat them as legitimate, causing ongoing damage to my credit, financial stability, and personal security. \n\nThis complaint explains in detail what happened, why these accounts are fraudulent, why neither company has provided lawful validation, and why their continued reporting violates federal consumer protection laws including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the CFPBs own standards for accuracy and identity-theft handling. The purpose of this complaint is to request CFPB intervention so that these accounts are permanently deleted from all credit bureaus and that no future reporting or collection activity occurs. \n\nI. I Do Not Own the Two Loans XXXX XXXX Claims I Opened XXXX XXXX is reporting XXXX separate loans in my name. I want to state clearly and unequivocally that : I did not open these loans I did not authorize these loans I did not receive any funds from XXXX XXXX I did not sign any loan application or promissory note I had no knowledge of these loans until I saw them on my credit report Any documents that XXXX XXXX claims contain my signature or personal information are disputed. These documents are not legitimate, and I do not acknowledge them as valid contracts. The presence of my name, or the presence of a copied version of my identification, does not mean I authorized a loan. Identity theft frequently involves stolen information and falsified or misused documents. \n\nXXXX XXXX has not provided any legitimate evidence proving that I personally appeared in their office, that I verified my identity in person, that I signed an application in real time, or that I received any funds. They have not provided : Proof of loan disbursement into an account belonging to me Proof of communication to my verified address Proof that I received any billing statements Proof of payments supposedly made Proof of authorization Proof of identity verification Without this documentation, no loan can be legally attributed to me. \n\nXXXX. I Filed an FTC Identity Theft Report Because These Loans Are Fraudulent When I discovered the loans on my credit report, I immediately took action. I filed an FTC Identity Theft Report, which legally establishes that these accounts are fraudulent under federal law. Filing the FTC report is the highest level of identity-theft documentation recognized by the government and triggers multiple protections under FCRA 605B and FACTA. \n\nMy FTC identity theft filing states : I did not open the accounts I did not authorize the accounts The accounts are fraudulent My identity was used without permission Once an FTC report is filed, furnishers ( like XXXX XXXX and XXXX XXXX ) and credit bureaus are required to block identity-theft related information unless they can provide concrete, original, certified evidence proving the account belongs to me. Neither company has produced this level of evidence. \n\nXXXX. XXXX XXXX Is Reporting a Collection for an Account I Do Not Own After XXXX XXXX charged off one of these fraudulent loans, they allegedly sold or transferred it to XXXX XXXX, which is now reporting a derogatory collection account. XXXX XXXX is claiming ownership of a debt that was created through identity theft. Their reporting is inaccurate, unverifiable, and harmful. \n\nI want to make it absolutely clear : XXXX XXXX does not have the legal right to report or collect this fraudulent account XXXX XXXX has failed to provide lawful validation XXXX XXXX can not prove chain-of-title XXXX XXXX did not provide any bill of sale or assignment documentation XXXX XXXX never contacted XXXX before reporting Because the underlying loan was fraudulent from the start, XXXX XXXX is attempting to collect a debt that never legally existed in relation to me. Therefore, they have no authority to report it and must delete it from my credit report. \n\nIV. Neither XXXX XXXX nor XXXX XXXX XXXX XXXX XXXX A company can not simply claim a loan is valid ; they must prove it. Both XXXX XXXX and XXXX XXXX have failed to provide : Original signed loan applications Verified identity-authentication documents Evidence of funds deposited into my account Chain of title proving XXXX legally owns the debt A full accounting of the loan A history of communications allegedly sent to me A validation notice within the XXXX required timeline Both companies rely on internal records and unverified statements, not verifiable evidence. Under federal law, this is not enough. \n\nV. No Proof of Funds Disbursed No Loan Exists XXXX XXXX provided no evidence that I ever received loan proceeds. For a loan to be legitimate, there must be : A deposit into a bank account belonging to me A check issued to me personally An electronic transfer to an account registered under my verified identity None of this exists. \n\nA loan with no proof of disbursement is not a loan. It is simply a record created within a lenders system without evidence of actual consumer involvement. \n\nVI. I Never Received Statements, Delinquency Notices, or Any Mail XXXX XXXX  claim that I ignored statements or failed to make payments is impossible because : I never received anything from them They never contacted me I never received bills, statements, or letters I never received a validation notice I never received a delinquency or charge-off notice When a legitimate loan exists, borrowers receive : Regular monthly statements Notices of missed payments Emails or written warnings Phone calls or collection attempts I received none. \n\nThis proves I was never the true borrower. \n\nXXXX. No Chain of Title Exists Between XXXX XXXX and XXXX XXXX XXXX XXXX XXXX sells or transfers a debt, federal law requires documentation showing : A bill of sale A transfer or assignment agreement Identification of the specific loan being transferred Proof that XXXX XXXX lawfully acquired the account XXXX XXXX provided none of these documents. \n\nWithout chain-of-title, XXXX XXXX can not claim to own the debt. Furnishing inaccurate ownership information is a violation of FCRA 623. \n\nXXXX. All Signatures and Documents Being Used Are Disputed Any signature XXXX XXXX claims belongs to me is disputed. I did not sign any loan applications or loan agreements. Signatures appearing on loan files are not automatically valid ; forgery, digital manipulation, and unauthorized use of personal information are common in identity theft cases. \n\nBecause I dispute the authenticity of all signatures, XXXX XXXX must provide : Forensic handwriting analysis Ink and pressure pattern analysis Metadata for electronic signatures Proof I was physically or digitally present during signing Since they can not provide this evidence, the accounts must be removed. \n\nXXXX. Both Companies Violated Identity Theft Handling Requirements Once a consumer disputes an account and files an FTC Identity Theft Report, the furnisher must : Stop reporting the account Block the account from all bureaus Provide documentation used to verify the transaction Stop collection activity XXXX XXXX and XXXX XXXX did not follow these procedures. They continued to report, continued to treat the account as valid, and failed to provide legally required documentation. \n\nThis is a clear violation of FCRA 605B and 623. \n\nX. These False Accounts Are Causing Ongoing Harm The presence of these fraudulent XXXX XXXX and XXXX XXXX accounts on my credit report has caused : Lower credit scores Denied credit applications Higher interest rates Stress and emotional burden Time spent filing multiple disputes Reputational damage with lenders I should not suffer these consequences for accounts I never opened, never used, and never authorized. \n\nA fair resolution must include full correction of my credit file and notification to any recent creditors who accessed the inaccurate information. \n\nXXXX. Summary of What Happened To summarize : XXXX fraudulent loans were created in my name at XXXX XXXX I did not apply for or receive these loans XXXX XXXX provided no valid evidence of identity verification XXXX XXXX provided no proof of disbursement XXXX of these fraudulent loans was sold to XXXX XXXX XXXX XXXX is now reporting a collection account based on identity theft XXXX XXXX has no chain-of-title, no validation, and no legal authority I filed an FTC Identity Theft Report confirming these accounts are fraudulent Both companies continue to report inaccurate information in violation of federal law My previous CFPB case was closed without resolving these issues I am filing this new case to ensure proper investigation and complete deletion XXXX. Requested Regulatory Action Based on what happened, I am requesting that the CFPB require XXXX XXXX and XXXX XXXX to : Permanently delete both XXXX XXXX accounts Permanently delete the XXXX XXXX collection account Delete all associated data from all credit bureaus Provide written confirmation of deletion Block reinsertion under FCRA 611 ( a ) ( 5 ) ( B ) Stop all furnishing and collection activity Provide all legally required documentation ( if it exists ) Notify all creditors who accessed my file within the last XXXX months This is the only fair and lawful resolution. \n\nXXXX. Closing Statement I reiterate : I do not own these XXXX loans. \nI did not authorize them. \nI did not receive funds. \nThese accounts resulted from identity theft. \nI filed an FTC Identity Theft Report. \n\nXXXX XXXX and XXXX XXXX have failed to validate, failed to investigate properly, failed to authenticate any documents, and failed to comply with identity-theft requirements under federal law. \n\nBecause these accounts are fraudulent and unverifiable, they must be removed from my credit report immediately.","date_sent_to_company":"2025-12-10T00:05:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"63366","tags":null,"has_narrative":true,"complaint_id":"17897675","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-09T21:19:42.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Requested Regulatory Action Based on what happened, I am requesting that the CFPB require XXXX XXXX and XXXX XXXX to : <em>Permanently</em> delete both XXXX XXXX accounts <em>Permanently</em> delete the XXXX XXXX collection account Delete all associated <em>data</em> from all credit bureaus Provide written <em>confirmation</em> of deletion Block reinsertion under FCRA 611 ( a ) ( 5 ) ( B ) Stop all furnishing and collection activity Provide all legally required documentation ( if it exists ) Notify all creditors who accessed my file"]},"sort":[8.378394,"17897675"]},{"_index":"complaint-public-v1","_id":"17897674","_score":8.347328,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this new CFPB complaint against XXXX XXXX ( original creditor ) and XXXX XXXX ( collection agency ) because both companies are reporting, attempting to collect, or attempting to validate XXXX loans that do not belong to me, that I did not authorize, and that I did not apply for. I have filed a formal FTC Identity Theft Report stating that these accounts are fraudulent and that I do not own either of the XXXX loans XXXX XXXX claims were opened in my name. Despite this, both XXXX XXXX and XXXX XXXX continue to report the accounts and continue to treat them as legitimate, causing ongoing damage to my credit, financial stability, and personal security. \n\nThis complaint explains in detail what happened, why these accounts are fraudulent, why neither company has provided lawful validation, and why their continued reporting violates federal consumer protection laws including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the CFPBs own standards for accuracy and identity-theft handling. The purpose of this complaint is to request CFPB intervention so that these accounts are permanently deleted from all credit bureaus and that no future reporting or collection activity occurs. \n\nI. I Do Not Own the Two Loans XXXX XXXX Claims I Opened XXXX XXXX is reporting XXXX separate loans in my name. I want to state clearly and unequivocally that : I did not open these loans I did not authorize these loans I did not receive any funds from XXXX XXXX I did not sign any loan application or promissory note I had no knowledge of these loans until I saw them on my credit report Any documents that XXXX XXXX claims contain my signature or personal information are disputed. These documents are not legitimate, and I do not acknowledge them as valid contracts. The presence of my name, or the presence of a copied version of my identification, does not mean I authorized a loan. Identity theft frequently involves stolen information and falsified or misused documents. \n\nXXXX XXXX has not provided any legitimate evidence proving that I personally appeared in their office, that I verified my identity in person, that I signed an application in real time, or that I received any funds. They have not provided : Proof of loan disbursement into an account belonging to me Proof of communication to my verified address Proof that I received any billing statements Proof of payments supposedly made Proof of authorization Proof of identity verification Without this documentation, no loan can be legally attributed to me. \n\nXXXX. I Filed an FTC Identity Theft Report Because These Loans Are Fraudulent When I discovered the loans on my credit report, I immediately took action. I filed an FTC Identity Theft Report, which legally establishes that these accounts are fraudulent under federal law. Filing the FTC report is the highest level of identity-theft documentation recognized by the government and triggers multiple protections under FCRA 605B and FACTA. \n\nMy FTC identity theft filing states : I did not open the accounts I did not authorize the accounts The accounts are fraudulent My identity was used without permission Once an FTC report is filed, furnishers ( like XXXX XXXX and XXXX XXXX ) and credit bureaus are required to block identity-theft related information unless they can provide concrete, original, certified evidence proving the account belongs to me. Neither company has produced this level of evidence. \n\nXXXX. XXXX XXXX Is Reporting a Collection for an Account I Do Not Own After XXXX XXXX charged off one of these fraudulent loans, they allegedly sold or transferred it to XXXX XXXX, which is now reporting a derogatory collection account. XXXX XXXX is claiming ownership of a debt that was created through identity theft. Their reporting is inaccurate, unverifiable, and harmful. \n\nI want to make it absolutely clear : XXXX XXXX does not have the legal right to report or collect this fraudulent account XXXX XXXX has failed to provide lawful validation XXXX XXXX can not prove chain-of-title XXXX XXXX did not provide any bill of sale or assignment documentation XXXX XXXX never contacted XXXX before reporting Because the underlying loan was fraudulent from the start, XXXX XXXX is attempting to collect a debt that never legally existed in relation to me. Therefore, they have no authority to report it and must delete it from my credit report. \n\nIV. Neither XXXX XXXX nor XXXX XXXX XXXX XXXX XXXX A company can not simply claim a loan is valid ; they must prove it. Both XXXX XXXX and XXXX XXXX have failed to provide : Original signed loan applications Verified identity-authentication documents Evidence of funds deposited into my account Chain of title proving XXXX legally owns the debt A full accounting of the loan A history of communications allegedly sent to me A validation notice within the XXXX required timeline Both companies rely on internal records and unverified statements, not verifiable evidence. Under federal law, this is not enough. \n\nV. No Proof of Funds Disbursed No Loan Exists XXXX XXXX provided no evidence that I ever received loan proceeds. For a loan to be legitimate, there must be : A deposit into a bank account belonging to me A check issued to me personally An electronic transfer to an account registered under my verified identity None of this exists. \n\nA loan with no proof of disbursement is not a loan. It is simply a record created within a lenders system without evidence of actual consumer involvement. \n\nVI. I Never Received Statements, Delinquency Notices, or Any Mail XXXX XXXX  claim that I ignored statements or failed to make payments is impossible because : I never received anything from them They never contacted me I never received bills, statements, or letters I never received a validation notice I never received a delinquency or charge-off notice When a legitimate loan exists, borrowers receive : Regular monthly statements Notices of missed payments Emails or written warnings Phone calls or collection attempts I received none. \n\nThis proves I was never the true borrower. \n\nXXXX. No Chain of Title Exists Between XXXX XXXX and XXXX XXXX XXXX XXXX XXXX sells or transfers a debt, federal law requires documentation showing : A bill of sale A transfer or assignment agreement Identification of the specific loan being transferred Proof that XXXX XXXX lawfully acquired the account XXXX XXXX provided none of these documents. \n\nWithout chain-of-title, XXXX XXXX can not claim to own the debt. Furnishing inaccurate ownership information is a violation of FCRA 623. \n\nXXXX. All Signatures and Documents Being Used Are Disputed Any signature XXXX XXXX claims belongs to me is disputed. I did not sign any loan applications or loan agreements. Signatures appearing on loan files are not automatically valid ; forgery, digital manipulation, and unauthorized use of personal information are common in identity theft cases. \n\nBecause I dispute the authenticity of all signatures, XXXX XXXX must provide : Forensic handwriting analysis Ink and pressure pattern analysis Metadata for electronic signatures Proof I was physically or digitally present during signing Since they can not provide this evidence, the accounts must be removed. \n\nXXXX. Both Companies Violated Identity Theft Handling Requirements Once a consumer disputes an account and files an FTC Identity Theft Report, the furnisher must : Stop reporting the account Block the account from all bureaus Provide documentation used to verify the transaction Stop collection activity XXXX XXXX and XXXX XXXX did not follow these procedures. They continued to report, continued to treat the account as valid, and failed to provide legally required documentation. \n\nThis is a clear violation of FCRA 605B and 623. \n\nX. These False Accounts Are Causing Ongoing Harm The presence of these fraudulent XXXX XXXX and XXXX XXXX accounts on my credit report has caused : Lower credit scores Denied credit applications Higher interest rates Stress and emotional burden Time spent filing multiple disputes Reputational damage with lenders I should not suffer these consequences for accounts I never opened, never used, and never authorized. \n\nA fair resolution must include full correction of my credit file and notification to any recent creditors who accessed the inaccurate information. \n\nXXXX. Summary of What Happened To summarize : XXXX fraudulent loans were created in my name at XXXX XXXX I did not apply for or receive these loans XXXX XXXX provided no valid evidence of identity verification XXXX XXXX provided no proof of disbursement XXXX of these fraudulent loans was sold to XXXX XXXX XXXX XXXX is now reporting a collection account based on identity theft XXXX XXXX has no chain-of-title, no validation, and no legal authority I filed an FTC Identity Theft Report confirming these accounts are fraudulent Both companies continue to report inaccurate information in violation of federal law My previous CFPB case was closed without resolving these issues I am filing this new case to ensure proper investigation and complete deletion XXXX. Requested Regulatory Action Based on what happened, I am requesting that the CFPB require XXXX XXXX and XXXX XXXX to : Permanently delete both XXXX XXXX accounts Permanently delete the XXXX XXXX collection account Delete all associated data from all credit bureaus Provide written confirmation of deletion Block reinsertion under FCRA 611 ( a ) ( 5 ) ( B ) Stop all furnishing and collection activity Provide all legally required documentation ( if it exists ) Notify all creditors who accessed my file within the last XXXX months This is the only fair and lawful resolution. \n\nXXXX. Closing Statement I reiterate : I do not own these XXXX loans. \nI did not authorize them. \nI did not receive funds. \nThese accounts resulted from identity theft. \nI filed an FTC Identity Theft Report. \n\nXXXX XXXX and XXXX XXXX have failed to validate, failed to investigate properly, failed to authenticate any documents, and failed to comply with identity-theft requirements under federal law. \n\nBecause these accounts are fraudulent and unverifiable, they must be removed from my credit report immediately.","date_sent_to_company":"2025-12-09T23:04:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"63366","tags":null,"has_narrative":true,"complaint_id":"17897674","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-09T21:12:25.000Z","state":"MO","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Requested Regulatory Action Based on what happened, I am requesting that the CFPB require XXXX XXXX and XXXX XXXX to : <em>Permanently</em> delete both XXXX XXXX accounts <em>Permanently</em> delete the XXXX XXXX collection account Delete all associated <em>data</em> from all credit bureaus Provide written <em>confirmation</em> of deletion Block reinsertion under FCRA 611 ( a ) ( 5 ) ( B ) Stop all furnishing and collection activity Provide all legally required documentation ( if it exists ) Notify all creditors who accessed my file"]},"sort":[8.347328,"17897674"]},{"_index":"complaint-public-v1","_id":"5249754","_score":6.590494,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX XX/XX/XXXX VIA EMAIL and CFPB Bad Faith Letter and Claim Demand for to XXXX XXXX XXXX ( XXXX ) under Policy XXXX ; XXXX XXXX XXXX XXXX ( XXXX ), Issuer of Commitment XXXX ; The Fund, Underwriter ; and XXXX XXXX XXXX XXXX XXXX and its Board of Governors ( collectively XXXX ) as XXXX, XXXX and XXXX XXXX  XXXX XXXX. \n\nDear XXXX, XXXX, XXXX XXXX and XXXX : Please accept this correspondence as my formal written demand for XXXX, XXXX, and XXXX XXXX available policy limits under my XXXX XXXX XXXX policy XXXX and pursuant to XXXX guidelines about increased up to 150 % or {$250000.00}, to cover losses in transactions related to my purchase of property located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX IL XXXX which was illegally foreclosed by unknown to me parties to collect non-existing debt which I never had. \n\nThis is my Title insurance companys duty to investigate my Title before the closing to insure that here no not unknown to me clouds which can result in attacks on my Title ; and process a claim if there has been a loss when is not of the insureds wrongdoings. \n\nLegal Grounds for Demand : 1. Reasonability of Request : XXXX, XXXX, and XXXX XXXX issued and sold me a Title Insurance policy XXXX, effective date XX/XX/XXXX, in {$170000.00} coverage available for my loss. According to XXXX and XXXX Guidelines, this policy must automatically increase to 150 % after five years. This provision applied to my policy on XX/XX/XXXX. \n\n2. Duty to initiate a Settlement. Illinois has a well-established statutory and case law which requires insurers to attempt in good faith to effectuate settlements of claims in which liability has become reasonably clear. An insurer also has an implied duty to accept reasonable settlement demands on covered claims within the policy limits. The case law speaks of an insurers liability for breach of the duty of reasonable settlement. An insurer that breaches the implied covenant of good faith and fair dealing may be liable for the full amount of the judgment based on breach of contract. If the carrier fails to reasonable settle a case within policy limits, it may be exposed to bad faith liability.\n\n3. XXXX, XXXX, and XXXX XXXXXXXX Bad Faith and liabilities. Illinois common law defines bad faith as arbitrary, reckless, indifferent, or intentional actions or disregard of the interests of the person owed a duty ; however, in practice, bad faith presents itself as the insurance company placing its own interest ahead of its insured. To prevent insurers from acting in bad faith, Illinois imposes a duty to deal fairly & in good faith; exemplary damages, attorney fees for breach of contract. The definition of bad faith under Illinois law is arbitrary, reckless, indifferent, or intentional actions or disregard of the interests of the person owed a duty. \n\n4. XXXX  liability for its members misconduct. XXXX, XXXX, and XXXX  XXXX XXXX XXXX who establish Title Insurance industry customs, practices, standards and claims adjusting procedure. Trade Associations have liability if they purport to undertake a duty to consumers or employees within their industry, set standards, exert control over members of the association, make statements not supported by actual research, ect.\n\n5. Amount of Demand under Insurance Limits : $ {$250000.00} ( or 150 % after 5 years ) 6. Demand time limit : 30 calendar days from this letter, starts XX/XX/XXXX. \n\n7. Claims involved : This Demand is intended to settle only claims with XXXX, XXXX, and XXXX XXXX entities and their CEO/employees under my Insurance policy, and against XXXX and its Board members under Trade Association liabilities because if I am forced to proceed with the Court, XXXX will be definitely included in my list of Defendants. \n\n\nI reserve my right to proceed with claims against other parties such as XXXX XXXX, former XXXX CEO, now XXXX Mortgage ; XXXX XXXX  ; XXXX XXXX entities, et al ;, XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX, owner of XXXX XXXX XXXX, owner of XXXX XXXX, I nc. formerly XXXX XXXX XXXX XXXX XXXX, XXXX  who forged documents and initiated illegal foreclosure XXXX, XXXX  vs. XXXX ; and other parties involved in this scam. \n\nExemptions. \n\n\nExemption such as fake Mortgages with XXXX XXXX and XXXX XXXX is not applicable. \n\nI never had any mortgages in the original amount {$130000.00} and {$34000.00} with XXXX who was not the Lender but merely aggregator of my data for undisclosed to me XXXX XXXX  XXXX XXXX and its affiliates, XXXX XXXX XXXX XXXX XXXX ( now XXXX XXXX XXXX XXXX ; or from anyone else. Here were no money involved in my transaction paid to me or on my behalf. \n\n\n\nXXXX never loaned me any money and merely allowed to use their name on documents as a pretender lender to obtain my signature on Mortgage and Note which were used by XXXX XXXX in their securitization scheme, which was already established with the prior owner XXXX. During my transaction with XXXX and XXXX XXXX et. al, here already was a prior Pooling and Servicing Agreement already in existence and known to the title agent. If at the item of the loan closing there was an assignment and assumption agreement already in place. \n\n\n\nThus, the investors had already purchased so-called mortgage backed securities, that included a description of a temporary set of notes ( XXXX XXXX filings ), that would be replaced by real notes and security instruments pledged as security to the holders of so-called asset backed securities, and if the terms of the pledge within the SPV was an allocation of funds contrary to the terms of the note and mortgage, and if the title agent was aware of sufficient facts to put him on notice that ( a ) undisclosed third parties were involved in the transaction and ( b ) that undisclosed fees were being paid and ( c ) that this could create grounds for three-day rescission, but for the fact that the real lender has not been disclosed assuming all of that, because that is actually what happened does that not mean that there was actual knowledge by the title agent that there are dozens and perhaps hundreds of even thousands of people who have an equitable and legal interest in the security instrument encumbering the property. \n\nGenerally, the title policy does not require intervention of the carrier until there is a claim. But the errors and omissions carrier for the title agent when put on notice of the claim would have an immediate interest in mitigating the potential loss, and specially actual loss of the property. It is not that there is a hypothetical cloud on title, it is real from the moment that the transaction was consummated and even long before the transaction was consumated. \n\nI had no reason to suspect fraud when I signed mortgage and Note to disinterested parties XXXX since this information was intentionally and aggressively concealed and continues to be concealed from me. \n\nIt took me a substantial amount of time and money, including consultations with securities experts, to figure out that I became a victim of the biggest economic fraud operated by XXXX XXXX Banks who secretly entered lending market place, under glimpse of fake lenders to deceptively obtain home buyers signatures on documents which are used in their securitization ABOUT debt. \n\nI didnt know that during all time in question I was dealing with undisclosed to me investment bank, XXXX XXXX XXXX et al who made about 18500 % (!!! ) interest trading my identity on the open market, on top of their existing securitization scheme where actual money were involved only with prior owner XXXX XXXX, who sold it to XXXX XXXX in XXXX who sold it to me in XXXX. Neither XXXX or I never had any loans ( means nobody loaned us any real money ). We only received information about money, which does not constitute mortgage or loan or debt. \n\nIt was not known to me until recent time ; but it was known by XXXX who had duty to investigate my claim when I submitted it, which XXXX refused to do, acting in bad faith, and continue to refuse falsely claiming exemption of non-existing Mortgages with XXXX. \n\nI never had any mortgages with XXXX, who was not the Lender ; and XXXX did not assigned my alleged Mortgage to XXXX, which itself was an illegal transfer since ( 1 ) XXXX was not a lender ; ( 2 ) XXXX  was not XXXX  agent ; had no authority to accept such assignment and never accepted any Assignments from XXXX since according to XXXX  own words it is not a Mortgagee ; ( 3 ) assignment of mortgage ( even when the mortgage and the lender are legit ) without Note is legal nullity in all jurisdictions. \n\nXXXX XXXX banks  have figured out a way to parse every potential attribute of every actual and implied transaction. This has resulted in innumerable ways in which the documents are not only fabricated but inconsistent. Most people, including myself, wrongfully assumed that some transactions have been memorialized. In fact, no transaction has been memorialized, and the apparent and falsely implied transfer of the note conflicts with the apparent and falsely asserted transfer of the mortgage are actually in conflict. \n\nIt is for this reason all assignments of mortgage executed by XXXX  are void. XXXX  is only an agent and it is only an agent for a lender or a successor lender. All documents executed on behalf of XXXX  should announce, and sometimes do an ounce, that they are executed on behalf of a specific principle, as successor to the previous principal who could issue instructions to XXXX. \n\nIt is widely known and fully understood that XXXX is nothing more than a nominee and therefore a potential agent if a principal has a contractual relationship with XXXX. It disclaims any rights to payments, notes, mortgages, debts, or obligations. It has no interests of its own since it neither was involved in the lending or servicing of any transaction that was labeled as a loan. \nThis it can only serve as a potential agent to a master or principal who legally possesses some legal right, title, or interest to something ( asset, loan etc. ) and issues instructions to the agent to perform such acts as the master or principal has instructed. \nNo such instructions are ever issued by XXXX because no such set of instructions can claim, much less warrant, any right, title, or interest to any debt, obligation, note, or mortgage lien.\n\nSuccession as to ownership and authority over an alleged mortgage loan can only occur if one of two things occurs. A third party bona fide purchaser for value buys the loan account and assumes liability for any violations or problems or losses in the future OR third party bona fide purchaser for value buys the company who owns the loan account and assumes liability for any violations or problems or losses in the future. This has never been alleged or proven in any court of law or equity. \n\n\n\nAlleged Plaintiff XXXX XXXX  never had any of my documents ; and fake Assignment of Mortgage ( legal nullity ) prepared and recorded by XXXX XXXX XXXX dba XXXX XXXX XXXX XXXX XXXX on behalf of XXXX  to XXXX XXXX  is essentially void. Even IF XXXX were a real lender, they are bankrupt and non-existing since XXXX, as well as XXXX XXXX  XXXX which existed in name only. Thus, in XXXX here were no single party who can legally assign anything to XXXX XXXX  ; and assignment of Mortgage without Note by XXXX  who was not an agent to XXXX, is legal nullity in all jurisdictions. \n\n\n\nThe effective purchases of mortgages that must be memorialized by an assignment of mortgage that is attendant or contemporaneous with the purchase of the underlying alleged unpaid obligation due from the homeowner. Homeowners are misinformed about presumed existence of a valid loan and transfer of ownership and rights to administer, collect and enforce the alleged underlying obligation, which either never existed, like in my situation ; or has ceased to exist and is not reported as a loan account receivable on the accounting ledger of any person or business entity - like in XXXX XXXX transactions. \n\n\n\nThe reason for that is that the underlying obligation can ONLY be the original transaction that induced the homeowner to issue a note and mortgage in exchange of REAL money as a loan I never seen a cent loaned to me by XXXX ; I never received any confirmation from XXXX  that they accepted any mortgages from XXXX ; my Note is masterfully forged and missing from all records since the Judge criminally concealed purportedly original from my case records ; and XXXX as Plaintiff always refused to communicate with me and now claims that it has no relationship to this matter. \n\n\n\nHere is no one including XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX or XXXX  who ever claimed to be a holder in due course. But lawyers, who even did not know who was their client, argued as though they are entitled to the presumptions that attend the status of a holder in due course. \n\n\n\nXXXX XXXX, alleged Servicer has absolutely no records of my alleged loan or about this foreclosure. \n\nPlaintiff XXXX XXXX  and XXXX XXXX XXXXXXXX Master Servicer XXXX XXXX deny its involvement, even when I asked to provide me a proof of money after sale of my property to third party who is currently in illegal passion of stolen from me property. \n\n\n\nRealtor XXXX XXXX, who illegally sold my property, has no idea who was his client since he received all instruction from XXXX  website called XXXX XXXX XXXX or XXXX. \n\n\n\nI never saw any Notices of Default or any allegation or any proof that anyone suffered a default as a result of not receiving a payment from me. The reason is simple. If they were never entitled to receive the money there was no default. And if the default status has been transferred to third undisclosed parties then those parties must nevertheless be identified and satisfy the conditions precedent to making any claims to administer, collect or enforce. \n\n\n\nSince there is no allegation of financial harm, and no allegation of purchase of an existing unpaid underlying obligation, the constitutional requirements for a case in controversy are violated since my entire transaction was with undisclosed Investment Bank  who seek additional profits on top of enormous revenues received from all prior securitizations schemes, started from XXXX, information about which was passed to me as a loan in advancing an illegal scheme for profit. \n\n\n\nPermanent Illegal Lien in my property. In the case of lending actual money for my purchase, there would be easily confirmable supporting documents that show proof of payment from XXXX, along with an entry on the accounting ledger of the alleged lender showing a decrease in one asset category ( e.eg. Cash ) and a corresponding increase in another category of assets ( e.g. loans receivable or loan account receivable ) ; as well as proof of payment during all alleged sales No such documents or ledger entries occur in the world of securitization. Without a sale of the asset ( e.g. loan ) the representations and claims, correspondence, notices, allegations, and assertions in and out of court are without any foundation. What the major XXXX XXXX brokers did, was remove physical delivery and replace it with the appearance of physical delivery, so that production of a copy of the note along with some assertion, affidavit, or allegation about the note, would give rise to the assumptions that something real was happening to the note. In fact, it affirmatively appears that in most cases, the note was destroyed to prevent two fictional trees ( or more ) from growing from a lie.\n\n3. Unmarketable Title. After initial securitization scheme was established by unknown to me Investment Bank  ( likely XXXX XXXX ), no further real financing is necessary for two reasons : the borrower usually never asks for the proof of lending ; here is no creditor for the property Seller who can accept this payment to release the lien since nobody owns the account receivable where these money can be deposited. \n\na. I applied for a loan and assumed that I get a \" loan ''. I assumed the XXXX wired actual money. In reality I inherited information about the original securitization scheme with XXXX  masqueraded as mortgage where nobody loaned me any money, only information about money. \n\nb. As the result, nobody paid XXXX Bank any money to satisfy seller XXXX XXXX mortgage since XXXX herself had no mortgages, only information about XXXX  scheme. In fact, XXXX Bank would not be able to deposit any money on XXXX non-existing account receivable - even if I paid all cash for the property. Similarly, XXXX XXXX never received a cent from sale of my property on XX/XX/XXXX, or {$130000.00} even though I specifically demanded to disclose if XXXX Bank did received it and deposited in account receivable for my alleged loan As the result, this prior Mortgages remain on the chain of Title as illegal liens ( clouds ) which are impossible to remove since here is nobody who has authority to remove them because no one owns account receivables or rights to remove these fictitious liens and will cloud my Title forever. \n\n\n\n4. Defectively recorded documents. All documents pertaining to my purchase and fake transfers are fraudulent, forged and defectively recorded.\n\n5. Taking into consideration the clear negligence ( should be called fraud ) established by XXXX XXXX, and XXXX XXXX, it seems difficult to argue that if I file my case with the Court, a verdict against you and your executive officers and personnel would not likely be greatly in excess your available policy limits. \n\nI am not talking about your own litigation expenses to defend numerous individuals and corporate entities XXXX, XXXX, and XXXX XXXX, and XXXX as its trade association. \n\nI expect you to offer the full $ {$250000.00} policy limit ( {$170000.00} at 150 % ) to protect your best interests and insulate you from an excess judgment plus litigation expenses and negative public exposure since I plan to bring XXXX and its Board as co-defendants in my case based on trade association liabilities to injured clients. \n\nI am willing to accept the $ {$250000.00} as full and final settlement of all claims with XXXX, XXXX, and XXXX XXXX and XXXX. \n\nI trust that XXXX will promptly comply with my demand. I would assume that XXXX join this position because it is your duty to protect your client and his best interests. I believe XXXX Title failure to offer the available policy limits to protect their insured are operating in bad faith. XXXX title failure to provide limits would be demonstrative of greater concern for XXXX monetary interests than the financial hardship and devastation to their insured.\n\nPlease let me know XXXX, XXXX, tXXXX XXXX and XXXX response to this settlement demand within the next 30 days. I look forward to hearing back from you. \n\nVery truly yours, XXXX XXXX","date_sent_to_company":"2022-02-22T10:21:35.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"606XX","tags":null,"has_narrative":true,"complaint_id":"5249754","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Old Republic National Title Holding Co.","date_received":"2022-02-22T10:16:44.000Z","state":"IL","company_public_response":null,"sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["Similarly, XXXX XXXX never received a cent from sale of my property on XX/XX/XXXX, or {$130000.00} even though I specifically demanded to disclose if XXXX Bank did received it and <em>deposited</em> in account receivable for my alleged loan As the result, this prior Mortgages remain on the chain of Title as illegal liens ( clouds ) which are impossible to <em>remove</em> since here is nobody who has authority to <em>remove</em> them because no one owns account receivables or rights to <em>remove</em> these fictitious liens and will"]},"sort":[6.590494,"5249754"]},{"_index":"complaint-public-v1","_id":"2945728","_score":3.910797,"_source":{"product":"Mortgage","complaint_what_happened":"From the Office of XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX USDOJ and Office of the Inspector General XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX Governor Office of XXXX, Governor XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX Governor Office of XXXX, Governor XXXX XXXX, Office of the Governor XXXX XXXX XXXX XXXX, XXXX  XXXX Governor office of XXXX, Governor XXXX XXXX, Office of the Governor  XXXX, XXXX XXXX XXXX  State Offices Attorney General XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX State Offices Attorney General XXXX  State Police Attention Trooper XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Superior Court of XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX 4 ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CEO : XXXX XXXX XXXX XXXX 5 ) XXXX County Sheriff Department XXXX XXXX XXXX XXXX XXXX XXXX Sheriff XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX CEO President XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX,XXXX  Board of Dir. \nXXXX XXXX XXXX XXXX XXXX President and cover-up pettifogger worker XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX , XXXX  XXXX XXXX XXXX XXXX USDOJ- & -USA Inspector General , XXXX State Offices Attorney General CFPB CFPB was establish in order to protect customer from criminal and fraudulent activity done by Financial Institutions and Debt collection like those lying Law Firm XXXX and Phelan Hallinan, XXXX , XXXX and XXXX XXXX. It is very interesting that this lying pirate mortgage corp. is putting a lair and a total genetically mistake to defraud family thinking that nothing will happened. I will not reply to this lair or cleaning garbage from XXXX since he may be the criminal that organized the looting of my property. Because of XXXX I get daily death treats 18 to 28 a day coming from XXXX. This criminal activity is the duplicate this lair refers too? Confirmation of the Death treats was sent to the State Police, Local Sheriff, Department of Justice, Attorney General and in XXXX from where the death treats is coming from the complaint went to Police Dept. XXXX XXXX XXXX the Office of XXXX XXXX and the Department of Justice so we can disaffiliate this XXXX criminal office for good. XXXX XXXX XXXX and its subsidiaries never ever respond to clients. It is a joke to believe that this Pirate Mortgage looter will ever reply or help a customer. Looting, defrauding and organizing death threats are the only activity of this Pirate Mortgage Company. The rest is only lying for this reason I will never stop until I see this criminal organization out of business as well as Udren Lying firm and the criminal and looting garbage Law Firm Phelan Hallinan. They intentionally failing borrowers at every stage of the mortgage servicing process. The modification was designed to help people and XXXX tried to defraud people by increasing the monthly payments by 1700 %. Those are criminal organizations that must be closed. XXXX years of widespread errors, shortcuts, and runarounds cost some borrowers money and others their homes. Even if you do not have any mortgage as is my case this criminal organization is using looter experts Lying Looter Low firms like XXXX and Phelan to stole all your belongs from your property and foreclosure your property in a top secret close door illegal and criminal act against 6/91 foreclosure. XXXX allegedly botched basic functions like sending accurate monthly statements, properly crediting payments, and handling taxes and insurance. Allegedly, XXXX also illegally foreclosed on a top-secret close door against 6/91 foreclosure act and after it they find the proper moment to go in the house illegal and criminal and loot the entire property in case you complain too much. on struggling borrowers, ignored customer complaints, and sold off the servicing rights to loans without fully disclosing the mistakes it made in borrowers records. The XXXX. XXXX, XXXX Attorney General took a similar action against XXXX today in a separate lawsuit. Many state financial regulators are also independently issuing cease-and-desist and license revocation orders against XXXX for escrow management and licensing issues today. \" XXXX has repeatedly made mistakes and taken shortcuts at every stage of the mortgage servicing process, costing some consumers money and others their homes, '' said CFPB Director XXXX XXXX. \" Borrowers have no say over who services their mortgage, so the Bureau will remain vigilant to ensure they get fair treatment. '' Ownership is gone in XXXX in XXXX  and the rest states in USA because of this criminal and Looter & lying experts from XXXX, Law Firm Phelan Hallinan, XXXX, XXXX and XXXX XXXX is completely compromised. XXXX lie to clients that they will reply in 30 days. After 30 days they lie again that they did reply30 days before and so on. Americans are losing their property because of those criminals and is your responsibility to close the doors of those criminal institution find guilty over and over again in Superior Courts in Supreme courts and in local courts. \nXXXX defraud clients with false modification not know to the customer in order to drastically increase by 1700 % They tried to increase the taxes and insurance to my family equal to 370 years using forge documents never discus or presented to me. This is criminal since Modification was designed to help families lowering their monthly payments. XXXX tried to increase by 1700 %. If this is not criminal then nothing is. \nThey foreclose criminal in top secret close door illegal and fraudulent and this is more criminal than any theorist activity and I strongly believe that this is the biggest dagger against Americans. After it they used criminal looters lying law garbage firm XXXX and Phelan the worst criminal looter in the country, use those criminals to lie in courts, defraud people and if they can not intimidate some clients they organized death treats to their clients as is my case. If this is the landing and mortgage servicing organize by XXXX, and this XXXX XXXX   running XXXX XXXX that we must close this criminal business permanently. I am sure those criminals refers to this as duplicate referring to their criminal activities not to what I presented. As mention to all Governors in each state in USA in in particular the State of XXXX, XXXX and XXXX I will keep informing everybody about the criminal activity inside my property for which I do not have any financial obligation, mortgage, loans or credit cards as I do not need. American people are losing their property due to criminal activity properly presented below. Also CFPB must take in consideration that in XXXX the ownership law was flagrant violated by Law Firms that are experts in lying even to their clients and triple charge them ( find guilty in Superior and Supreme Court ). Law Firm XXXX, Law Firm Phelan Hallinan with theirs pettifogger lawyers, XXXX, XXXX and XXXX XXXX and the looting company XXXX XXXX. They can lie, cover up abuse but I will never ever stop period until I get back my property and all stolen furniture, electronica, home decoration looted by XXXX XXXX with direct help form XXXX using looting expert law firms Udren and Phelan, Hallinan. XXXX will pay massive for this criminal activity organize by I see those corrupted company claiming that there is duplicate or any other primitive claim but this is nothing else than a barbaric cover-up and a deceiving tactics that sooner or later will be expose. There must be a limit on how much a family is defrauded by criminal organization interested only in lying, defrauding, deceiving tactics and in particular all done in a criminal and illegal way in a top secret close door act which s the specially of XXXX in particular, XXXX, XXXX XXXX, and the two Law Firms Udren and Phelan Hallinan, The pettifogger lawyer representing those firms lie even to their own clients in order to defraud them too and triple charge then since those primitive and corrupted law firms consider themselves above law. This criminal activity of XXXX XXXX, Phelan must stop now. All Institutions receiving this letter I pray they understand my frustration with those criminal activities done against my property for which I do not have any financial obligation under any Mortgage Note. For this reason I will be as direct as possible with my words so DOJ, USA Inspector General, CFPB and the rest of Institutions receiving my Letter ( 287 Institutions ) will understand the criminal activity performed inside my house for which I do not have any mortgage or Financial obligation. The crime was done against my property only because my name is on the DEED as clearly stated by Law Firm Phelan Hallinan pettifogger lawyer. The lawyer in this Law Firm defraud and loot people property braking the oath they took of defending the laws of our Country. Is clear that the only oath they took was to loot peoples property in the most criminal way and in a top secret close door. If those are consider lawyer than the legal system is completely dead. The American spirit of owing a property in XXXX was completely destroyed by those criminals that for a portion if French fries they sell their mothers too. You work very hard or fight in wars to protect your country in order to see criminal lawyers defrauding you in a top secret close door act inhuman and criminal. I never believe that in XX/XX/XXXX-XX/XX/XXXX in USA we meet so many, criminals lair that tries only to cheat, deceive, cover up fraud, abuses vandalism done to my property. A lawyer took the oath to defend the law of our Country. XXXX and Phelan Hallinan pettifogger lawyers including this assistant ( or a clerical cover-up artist ) XXXX XXXX XXXX organize the theft, looting, vandalism, burglary and criminal activity inside a property when the case is in Courts NOW and again in a criminal top secret close door act. It is very hard to understand how come only now document appear presented by this pettifogger assistant XXXX XXXX XXXX. How convenient to send documents after looting, vandalism criminal trespassing and complete destruction of the property. Only a criminal organization that even lie to their own clients by triple charging them abusing their trust can loot property in this top secret close door criminal act of fraud. Those pettifogger lawyers knew that is a close in community and I will have no access inside until I get back my property. Also they been informed by XXXX that I will be in XXXX to prove the fraud was done with forge documents and immediately organized their criminal activity to loot and stole everything from inside my house for this reason I will ask again looter XXXX XXXX to put back inside my property all stolen items before we meet in criminal courts.???? I am sure that for this {$100000.00} value property XXXX, XXXX XXXX XXXX will pay only on legal fees {>= $1,000,000} minimum. I will not mention the damages and so on that will be drastic high. Also I must stat that this will start a me too movement against those criminal organization specialize in fraud ad criminal activity. I pray that in the Criminal Court she will use those Phelan Hallinan pettifogger lawyers. A very interesting fact of the criminal activity of this deceiving criminal and looting exert Law Firm Phelan Hallinan when they organized the looting of my property they sent me a letter informing me that they withdraw their legal case against me, but they never mention until XX/XX/XXXX they organized this crime with the direct help for the local Sheriff Office the same one that helped XXXX foreclosed in a top secret close door days after they inform me that the foreclosure was stope by them. What is interesting about their letter is the fact that they conformed in writing that the looter XXXX XXXX never contacted me because she did not have my address. Those criminal not only deserve to be out of business but also put in prison for life together with XXXX, XXXX, XXXX and XXXX XXXX. To lie in such shameless way is as criminal as the looting act done intentionally but I hope they understand what they started. I am not like those lairs but I will bring them in criminal courts for many years from now on : XXXX, XXXX, XXXX and XXXX XXXX especially. This clearly indicate to what level this filthy Law Firms will go lying without any shame. How can you send a letter exactly when they organize the looting and never mention a word about it and after the looting was executed they sent me a letter in XX/XX/XXXX to a USA Gov. Agency lying without any shame that they did not have my address? The letter of this pettifogger assistant XXXX XXXX XXXX will have massive consequences in a criminal court soon. Those criminal Law Firms had been find guilty in the Superior Court as well as anther courts for even lying to their clients and triple charge them only because they consider themselves above law ( but not for long ). They use a friend or a relative looter XXXX XXXX and she must use this letter in order to understand her criminal behavior ( as the case is in the Court even now ) and the consequences. This was possible because pf the strict order of the XXXX  abuser running ( for now ) XXXX XXXX, XXXX and the people from XXXX that was the only company in this planet that knew I will be in XXXX to prove their forge documents XXXX set me a letter stating that they are an international company but I guarantee not for long. Once we go to Criminal Courts there will never ever be a settlement I will guarantee you. CFPB jurisdiction includes banks, credit unions, securities firms, payday lenders, mortgage-servicing operations, foreclosure relief services, debt collectors and other financial companies operating in the United States. The CFPB 's creation was authorized by the DoddFrank Wall Street Reform and Consumer Protection Act, whose passage in XX/XX/XXXX was a legislative response to the financial crisis of XX/XX/XXXX and the subsequent Great Recession. The CFPB 's status as an independent agency has been confirmed by the U.S. Court of Appeals. XXXX the pirate mortgage company to understand their criminal activity from 732 cases 0 Issues resolved, 732 Total reviews, $ XXXX Claimed losses, $ XXXX Avg loss ,180K Page views The bad boys of mortgage service XXXX are XXXX making headlines and for all the wrong reasons. A major U.S. mortgage servicing firm under investigation for issuing backdated letters to borrowers who sought loan modifications is also the subject of thousands of consumer complaints, government data show. The Securities and Exchange Commission sent a letter to XXXX on XX/XX/XXXX about the probe, asking the company to voluntarily produce documents and information, it said. Regulator Finds Deficiencies With Mortgage Servicer XXXX XXXX XXXX ( XXXX ) has been targeted by 13,520 complaints filed  with the Consumer Financial Protection Bureau since XX/XX/XXXX for problems involving loan servicing, foreclosures and related issues, according to the regulator 's data. XXXX XXXX is again being probed by regulators over fees and expenses related to liquidated loans and bank-foreclosed properties, the company said in a regulatory filing on Monday. I wonder if 13,520 people complaining about XXXX is not enough as mention during our very long phone conversation have as of today a PETITION sign by 69,455 consumer defrauded by those criminal Institutions. I expect that at list 140,000 will sign this petition and I expect to have even 200,000 people defrauded by them that will sign it. Strange all people respecting the law are defrauded by criminals protected by strange laws that must be challenge now. I will do this from now on even if will take me 50 years I am ready now. I no longer tolerate those cover-ups abuses and see my property being destroyed by criminals looters in this top secret close door act even if they got help from Public Offices establish to protect people and keep order in this Country. After our very long today conversation about the criminal activity of Law Firm Phelan Hallinan, XXXX inside my property I will confirm that XXXX, Phelan Hallinan, XXXX XXXX, XXXX XXXX beside lying those company are doing only their best to manipulate the truth and this I will never tolerate. During the conversation you stated that CFPB needs a few thousand complains so criminal organizations like XXXX, Phelan Hallinan, XXXX and XXXX will be penalized like minim like XXXX XXXX ( {$1.00} bill ). In your site is stated that over 13,520 complaining about them was not enough to bring them a {$2.00} bill penalty. As mention during our phone conversation I have as of now a petition signed by 69,466 people and I expect to get at list 150,000 to 200,000 people signing this petition before I go public. They provide me a one page letter describing what happened and gave me a mortgage invoice so criminal organization ca no longer lie. You stated that they should file their claims directly so I will make sure that this will happened in the next weeks. I will also instruct them how to contact you directly. A full copy of the 69466 petition I will bring to DOJ, Dept. of Commerce Federal Reserve SEC, XXXX Banking Department, Attorney General of XXXX  and USA and your Institution in XXXX XXXX. I am a person determined to protect my property legally not criminal like those looters that vandalize, and destroyed it intentionally. I will never stop until I get back my property for which I do not have any mortgage or financial obligation. A property foreclosed illegal and criminal in a top secret close door by XXXX XXXX XXXX and looted by this Law Firm Phelan Hallinan only because my name is on the DEED. They also had the impertinence to mention that even if I do not have any mortgage or financial obligation under the Mortgage Note I was looted because of my name on the DEED and put this in writing for which I thank them since they will not understand the legal implication. What those looter confused is the economic concept of private property which refers to the rights owners have to the exclusive use and disposal of a physical object. Property is not a table, a chair, or an acre of land. It is the bundle of rights which the owner is entitled to employ those objects. The alternative ( collectivist ) view is that private property consists merely of a legal deed to an object with the use and disposal of the object subject to the whims and mercies of the state. Well is very clear that today in XXXX  is a crime to be the owner of a property. In case your name is on the DEED a criminal Law Firm like Phelan Hallinan or XXXX will find an opportunity to loot your property in a top secret close door act since the laws in XXXX   protects those criminals and you as a person are guilty for having your name on the DEED. Their Constitution and Bill of Rights protected property in many ways The Founders were worried that Congress might use the tax system to loot property owners in some states for the advantage of other states. Accordingly, they required that direct taxes ( mostly importantly property and income taxes ) be apportioned among the states ( Article I, Section 2, Clause 3 and Article I, Section 9, Clause 4 ). They also required that indirect taxes, such as import duties, be levied uniformly ( I-8-1 and I-9-6 ). When it became clear that the ban on ex post facto laws was not broad enough to protect property, they partially plugged the gap with the Fifth Amendment, which ( 1 ) prevented any person from being be deprived of his property, without due process of laws and ( 2 ) required compensation when a property [ was ] taken for public use. They added a section ( Article I, Section 10 ) with several provisions protecting financial assets against state governments. They granted the federal courts jurisdiction over interstate land claims and interstate debts to limit the extent to which state courts could discriminate against the property rights of out-of-staters ( III-2-1 and III-2-2 ).  They added the Eighth Amendment, which barred excessive fines. With the letter of this lair representing Law Firm Phelan Hallinan I will challenge even the above mention ownership law protected under the Constitution since is a liability to own a property in XXXX that can be looted, vandalize, destroyed by criminals only because your name is on XXXX  Deed. Even if you do not have any financial obligation under a Mortgage Note your guilt is your name on the DEED only a looter specialist from Phelan Hallinan can invent this garbage. For this letter I will say Thank you to this looting expert Law Firm Phelan Hallinan since I will use it in order to challenge the ownership law of our country. I will explain below how. I am a victim of the most criminal and fraudulent foreclosure done intentionally in a top secret close door act against XXXX  Foreclosure 6/91 done in XX/XX/XXXX ( not XX/XX/XXXX when looting started ) by an unscrupulous and deceiving lawyer representing Udren Law firm a company that I expect to disappear soon. I am defending my property using only Legal system not like this XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX or Law Firm Phelan Hallinan that used looter XXXX XXXX XXXX XXXX to vandalize, abuse and destroyed my property for which I do not have any mortgage or financial obligation. In XX/XX/XXXX Law Firm Phelan Hallinan used looter XXXX and her {$75000.00} ( wow!!! Business ), XXXX XXXX organized the massive theft, vandalism, destruction when they empty my private property for which I do not have any mortgage as well as no financial obligation only because my name is on the DEED. I have no financial obligation under any Mortgage Note in this planet. The excuse to say that everything looted was also dispose because they could not contact me this is a clear case of primitive case of cover up that I will deal with it in Criminal Court once I get back my property. If looter XXXX do not put back all my properties we will meet me in Criminal Court soon and the amount will not be {$260000.00} but {$10.00} mill. This criminal activity was done at the specific request of XXXX since I informed their short term worker XXXX XXXX from XXXX XXXX ( a worked XXXX like XXXX in lying covering up and abuses agaist XXXX Clients ( but I will deal with this lair in Criminal Court soon ) ). What this XXXX XXXX from XXXX XXXX did was criminal, vicious and malicious done again in a top secret close door knowingly that I will be in XXXX in order to prove that most documents fabricated in XXXX by XXXX are used in USA to defraud families. XXXX XXXX this is your chance to put back allstolen by you private property before I win the case. After it, there will be criminal charges againt your criminal activity done intentionaly in a top secret close door knowingly that my property is located inside a close in community and in case you do not have ( temporary in my case ) the Deed you do not have acces inside the community. I pray that one of the incompatant lawyeres from XXXX or Phelan will try to protect you inside the Criminal Court. XXXX and in particular XXXX knew this and did their best to abuse the system and if you do not put back my private property we will have many years in criminal courts count on it. This was possible because the XXXX running XXXX XXXX ( soon will be replaces ) XXXX XXXX XXXX XXXX order it as confirmed by pettifogger assistant XXXX XXXX XXXX of Law Firm Phelan Hallinan in his deceiving and covering up letter sent to CFPB. I mention the word Greek is because the XXXX people are well known of having honor, dignity, decency and respect for humanity but not this one from XXXX XXXX. Also we have criminal behavier from XXXX, XXXX XXXX XXXX and in particular their anonym worker and laier expert pettifogger XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX and in particular XXXX XXXX from XXXX XXXX that know I will be in XXXX to prove that the documents used to defraud my property are forged and fabricated. How much a person can take those lies??? How can you go abroad to prove that the entire foreclosure is based on forge documents and fraudulent activity and after it you go home and discover that a filthy law firm defrauded and vandalize the property only because you are the owner and your name is on the Deed??? This is more than criminal and should be punish to the full extent of the law. I am only legally defending me property, a person with no financial obligation in this planet, no mortgage, no credit cards, no debts, and no loans. Why should I go through this criminal and vandalism of my property because a deceiving Law Firm is above law and can defraud my family? As per my conversation with CFPB to understand why I call this Law Firms lair is because they clearly stated that I did not provide a mailing address!!!!!!!!!!!!!!!!! If I did not provide a mailing address how this lying Law Firm Phelan Hallinan sent me in XX/XX/XXXX a letter with a Motion to dismiss their case without prejudice and ignore the main fact that my property was looted by them??? I need to know why a USA XXXX veteran fighting in XXXX and XXXX did not have access to remove all private property from inside my home. This question was address to the Secretary of State representing Veterans and I expect to get the proper support. Why a person fighting in XXXX have all private property stolen since her name was not on the Deed or on the Mortgage???? Why an XXXX year old mother had all her private property stolen by the same criminals in this top secret close door criminal tactics and put her on the street in a criminal way. What she has to do with Deed, mortgage or financial obligation? Why everything belong to her was stolen? What is next from those criminal people capable of all kind of crimes? Should I expect those criminal to kill my family NOW, since I have no intention to stop until I get my property back and I will never be intimidated. This people will see the consequences in the Criminal Court once I get back my property. I will conform that I will challenge soon even the ownership law in USA so millions of people that lost their property to such criminal tactics can sue those criminal Law Firms. Nothing is worst that allowing such Law Firms to defraud families using such criminal, deceiving and fraudulent tactics. Since fraud, theft and criminal activity on my property is consider normal for those criminals I will inform CFPB that I will provide soon a PETITION signed by minim 150,000. CFPB penalize XXXX XXXX for {$1.00} bill for crimes a lot less than those two Law Firms and because a few thousand people complained about them. Well as of today I have 69,466 people signing the petition against the criminals mentioned above and I expect to get from 150,000 to 200,000 so such criminal activity will stop. If 69,466 is  enough to bring a similar penalty to the above mention criminal company like XXXX XXXX please let me know so I can bring the petition as well as their letter confirmation and a proof of the illegality done against them so CFPB can penalize those criminal institution immediately. Also I would like to inform CFPB that I establish a Non-Profit organization that will have enough money ( I have a conformation of {>= $1,000,000} NOW ). SEC, Commerce Dept. and other Banking Departments will provide help from their Alumni legal system. I also have a Promissory note for a lot more money that will be deposit once we establish a complete system that will give victims like me a chance not only to bring to court only the companies that foreclosure illegal against their property but also criminals that did their best to foreclosure in order to collect a minim bonus for defrauding people. We want to make sure that each lair from XXXX, XXXX, and XXXX XXXX and in particular this lair from XXXX XXXX XXXX from XXXX XXXX  will be put in criminal court. Our Country fight XXXX, and other XXXX organizatin but the real crminal activity is the one against americans without any finacial obligation as is my case. XXXX, XXXX and XXXX, I am sure they will be out of businss soon as I dedicate my life to prove their criminal actovity from now on. Please put this letter in a special place so you can see such filthy and criminal organization will no longer be allow to operate and defraud people. I want to make sure that each victim have a chance now to sue those criminal organization for fraudulent foreclosures as was the case with a XXXX year old lady for a balance of only {$0.00} and a XXXX person XXXX year old for a balance of {$0.00}. If this is not the worst criminal activity than nothing is. I will also organize a special account so people that lose their property can defend themselves in court without any fear, Why CFPB penalize only XXXX XXXX for {$1.00} bill and did not close the doors permanently to such a filthy Law Firms?? To learn that they can defraud your property only because your name is on the Deed this to me is more criminal than any XXXX organization activity in this planet. Such Law Firm is the biggest danger today in America and I will do my best to expose them and close their doors permanently I have a simple question for those organization that confused fraudulent mortgages. If a family sale their property and only one sign the contract is that contract valid or not? It is clear that the incompetents from this Law Firms will declare that selling contract is a valid contract because they have a marriage certificate!!!!! I will never stop until I make complete light to the criminal activity that took place inside my property for which I do not have financial obligation. I also want to mention that a Judge from XXXX named XXXX XXXX XXXX was sentenced to 28 years in prison and I expect that in XXXX to see the same soon. I mention in my leeter dated XX/XX/XXXX about those activity and now we see results. \nXXXX XXXX, XXXX XXXX","date_sent_to_company":"2018-06-26T04:10:24.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"11375","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"2945728","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Phelan Hallinan Diamond & Jones, PC","date_received":"2018-06-26T00:05:12.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Regulator Finds Deficiencies With Mortgage Servicer XXXX XXXX XXXX ( XXXX ) has been targeted by 13,520 complaints filed  with the Consumer Financial Protection Bureau since XX/XX/XXXX for problems involving loan servicing, foreclosures and <em>related</em> issues, according to the regulator 's <em>data</em>. XXXX XXXX is again being probed by regulators over fees and expenses <em>related</em> to liquidated loans and bank-foreclosed properties, the company said in a regulatory filing on Monday."]},"sort":[3.910797,"2945728"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":9,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":9}]}},"product":{"doc_count":9,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":3},{"key":"Other personal consumer report","doc_count":2}]}},{"key":"Debt collection","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":1},{"key":"Rental debt","doc_count":1}]}},{"key":"Checking or savings account","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Savings account","doc_count":1}]}},{"key":"Mortgage","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":1}]}}]}},"issue":{"doc_count":9,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":3},{"key":"Information is incorrect","doc_count":1}]}},{"key":"Attempts to collect debt not owed","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt was paid","doc_count":1}]}},{"key":"Managing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem using a debit or ATM card","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing issue","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":1}]}},{"key":"Struggling to pay mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Took or threatened to take negative or legal action","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Seized or attempted to seize your property","doc_count":1}]}}]}},"timely":{"doc_count":9,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":9}]}},"company_response":{"doc_count":9,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":8},{"key":"Closed with non-monetary relief","doc_count":1}]}},"submitted_via":{"doc_count":9,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":9}]}},"company":{"doc_count":9,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":1},{"key":"Early Warning Services, LLC","doc_count":1},{"key":"Experian Information Solutions Inc.","doc_count":1},{"key":"FAIR COLLECTIONS & OUTSOURCING, INC.","doc_count":1},{"key":"National Credit Systems,Inc.","doc_count":1},{"key":"Old Republic National Title Holding Co.","doc_count":1},{"key":"Phelan Hallinan Diamond & Jones, PC","doc_count":1},{"key":"Rowland Avenue Management, Inc. 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