{"took":93,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":114,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2808729","_score":16.188173,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX has acted in bad faith in violation of both California law as well as Federal law by illegally retaining my security deposit and deducting expenses without providing valid documentation. The debt Fair Collections and Outsourcing ( FCO ) is attempting to collect on their behalf, {$610.00}, is invalid. \n\nI sent the attached letter by certified mail to XXXX XXXX detailing that they were in violation of California law and had not provided me with any receipts detailing the deductions taken in compliance with their obligations as a landlord. I also explained that any further action taken to collect or retain my deposit would be considered as being taken in bad faith and that they would be liable for enhanced penalties, attorneys fees, and fines should further legal action become necessary. After XXXX XXXX received the letter on XX/XX/XXXX, they stopped responding and refused to send my security deposit refund as required. Several months later I was contacted by FCO and notified that this illegal and alleged debt owed by me had been referred to debt collection in bad faith, thereby placing them in violation of the FCRA. \n\nIn addition to the issues stated above, I also dispute the charges listed as being patently untrue and blatant attempts at scheming more money out of their tenants. For instance, the move in sheet provided in the documentation sent by FCO clearly states that the apartment was in an unclean condition at the time of move in, XX/XX/XXXX. This sheet was signed by XXXX XXXX acknowledging the condition at the time. Therefore, as required by California law, I am required to return the apartment in the same condition received, minus any normal wear and tear. The carpets were in great condition as evidenced by the move out inspection conducted by XXXX ( head maintenance employee ) as well as the apartment in general. As for any stains or damage to the oven range and the refrigerator, the maintenance records retained by XXXX XXXX, which they refuse to provide, clearly show that these units were old replacement units brought in mid-way through my tenancy since the original units were broken. These units came with stains and damage already on them and this was acknowledged by both XXXX and XXXX, employees of XXXX XXXX. Lastly, the bill for XXXX is incorrect and should not have been deducted from my security deposit.","date_sent_to_company":"2018-02-08T20:01:52.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"90247","tags":null,"has_narrative":true,"complaint_id":"2808729","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FAIR COLLECTIONS & OUTSOURCING, INC.","date_received":"2018-02-08T19:36:26.000Z","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 is not yours"},"highlight":{"complaint_what_happened":["XXXX XXXX has acted in bad faith in violation of both California law as well as Federal law by illegally retaining my <em>security</em> deposit and deducting expenses without providing valid <em>documentation</em>. The debt Fair Collections and Outsourcing ( FCO ) is attempting to collect on their behalf, {$610.00}, is <em>invalid</em>."]},"sort":[16.188173,"2808729"]},{"_index":"complaint-public-v1","_id":"4772605","_score":15.583263,"_source":{"product":"Debt collection","complaint_what_happened":"National Credit Systems , Inc ( XXXX XXXX XXXX XXXX, XXXX XXXX ) ( NCS ) is causing us intentional harassment, and financial harm due to invalid debt collection/ reporting to credit agencies. \n\nNCS is intentionally concealing the accurate description of this invalid debt, as they know it is not subject to collections in AL. I have reached out to NCS to dispute the validity of this debt, from our previous Landlord ( XXXX XXXX  XXXX XXXX XXXX/ XXXX XXXX ), in XXXX AL. \n\nNCS is attempting to collect {$490.00} from us for 'carpet damage ', however, 'carpet stains ' are not considered 'damage '. In Alabama Landlord / Tenant Law : 'stains on carpet ' are considered 'normal wear and tear ' in the legal sense, and not subject to collections. NCS must know this. \n( There are additional details omitted from this complaint specific to the carpet / Landlord deficiencies not relevant to the collections company ( NCS ) ) NCS sent photos of the carpet stains, but did not call them stains, NCS listed the 'stains ' as 'damage '. I have included this NCS XX/XX/XXXX letter for reference. Also, in this letter specifically, the XX/XX/XXXX Security Deposit Statement letter included from XXXX, and the XXXX  XXXX  XXXX  were never sent to us by US mail. \n\nFurthermore, I do not know the stains are even from our carpet. From the beginning, I have requested debt validation documents- like an actual bill, ( none was ever sent to us by XXXX ), and each letter I write to dispute the debt, NCS and XXXX collude to fabricate fake documents I have never received by US mail from XXXX. NCS will send these fake documents, and avoid to accurately describe the actual details of the charge as carpet stains, and instead mislabeling it as carpet 'damage'- which is subject to collections. \n\nNational Credit Systems sent collection letters on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Now NCR has reported this invalid debt to the credit reporting agencies, and our credit scores have fallen. This is intentional harassment, and NCSXXXX XXXX XXXX is causing us financial harm due to this invalid debt, that I have requested re-evaluation, and additional documentation on. NCS knows this is not a valid debt, and is trying to conceal that fact, in order to harass and harm us for the predatory LandLord - XXXX XXXX is the XXXX XXXX XXXX of XXXX XXXX XXXX XXXX ( XXXX, NY ), XXXX XXXX is the XXXX  XXXX at XXXX at XXXX XXXX XXXX XXXXXXXX AL ). \n\nNCS needs to restore our credit rating, and retract this harmful, false, and derogatory information from the record. I hope you can help, and we look forward to a resolution soon.","date_sent_to_company":"2021-10-01T19:30:31.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"337XX","tags":null,"has_narrative":true,"complaint_id":"4772605","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2021-10-01T17:31:27.000Z","state":"FL","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Now NCR has reported this <em>invalid</em> debt to the credit reporting agencies, and our credit scores have fallen. This is intentional harassment, and NCSXXXX XXXX XXXX is causing us financial harm due to this <em>invalid</em> debt, that I have requested re-evaluation, and additional <em>documentation</em> on."]},"sort":[15.583263,"4772605"]},{"_index":"complaint-public-v1","_id":"20011400","_score":14.841079,"_source":{"product":"Debt collection","complaint_what_happened":"Name : XXXX XXXX, social security XXXX, Date of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone Number : XXXX Email XXXX XXXX XXXX  Member XXXX Subject : Dispute and Rejection of Illegal and Invalid Collection Debt Report Number : # XXXX Collection Account Name : ProCollect , Inc Reported Balance : {$7100.00} Original Creditor : XXXX XXXX XXXX XXXX Apartments I, XXXX XXXX, with Social Security XXXX, hereby fully dispute and reject the illegal and invalid collection in the amount of {$7100.00} reported by the XXXX at XXXX XXXX apartment complex and I request that this invalid amount be removed from my credit report as soon as possible. I do not owe them any debt ; rather they are the ones who owe me money. This apartment complex and their attorney after a long period of harassment, are attempting to collect fabricated, invalid and unlawful amounts. The fact that they are able to access individuals ' personal information and create invalid collection accounts does not make their actions lawful or legitimate. \nI resided in this apartment complex for XXXX days, from XX/XX/XXXX to XX/XX/XXXX and I fully paid all rent and costs for those XXXX days. The application fee, deposit and the full XXXX days of rent were paid, yet they have not refunded any of these amounts. Due to numerous serious problems, the apartment being uninhabitable and the absence of any fundamental or effective solution, I vacated the unit with prior notice, relying on the provisions of the lease agreement that allow a tenant to vacate when the apartment is uninhabitable. I repeatedly sent detailed explanations and documentation to both the apartment management and their attorney. Their attorney has deliberately disregarded the evidence and has acted unilaterally by creating illegal and invalid debts that have no legal basis. I did not use even a single day of their advertised XXXX weeks promotional discount. \nThe apartment was not habitable due to defective faucets and plumbing in the bathroom, faulty washing machine plumbing, malfunctioning household appliances including the washer, dryer and dishwasher, leaking dishwasher pipes onto the floor, and defective bathroom plumbing and shower. During the entire XXXX days period, I was not able to take a single shower.the floor was covered with water and constant leaks and they had no plan or solution to fix it. The bathroom was completely unusable I had to fill a bucket with water and wash myself. None of the household appliances were working. \nTheir only proposed solution was to transfer me to an even worse apartment with poorer conditions, without a washer and dryer, with strong odors of drugs and sewage and conditions similar to the original unit which I did not accept.Relying on the provisions of the lease agreement and Texas law regarding vacating an uninhabitable apartment, I vacated the unit. Because I suffer from XXXX serious and sensitive medical conditions and was in the process of XXXX, I could not remain in that apartment under those physical conditions any longer. Despite sending emails and formal letters and providing them with reasonable time, they have failed to refund my application fees and deposit, the rent paid for the XXXX days and the costs associated with multiple moves. For a long time, through their attorney, they have continued to harass me and attempt to fabricate illegal debts, while completely disregarding all reasons, documentation and contractual provisions. \nDue to this conduct, the disruption of my medical treatment, changes to my surgical plan and the creation of illegal debts, I am pursuing legal action against them through the court system. I therefore request that you remove this invalid and unlawful debt from my credit report immediately, as not every collection account can be considered valid and XXXX  can not damage individuals credit by accepting and reporting such collections. This is a XXXX sided and improper process carried out by this attorney, who is attempting to create an unlawful debt against me and the attorney is also demanding his attorneys fee for that company from me. \nProblems with the apartment : defective bathroom plumbing, damaged and leaking plumbing behind the washer and dryer, the washer and dryer not functioning, dishwasher pipes leaking onto the apartment floor, severe water gushing from behind the washer despite repeated notices to the office and their indifference, strong odors of drugs and sewage and the bathroom and the apartment being unusable and uninhabitable. Once again, I state that I owe them no debt and they are the ones who must reimburse my financial losses and personal damages. Please remove this invalid and unlawful collection as soon as possible, do not support or continue this illegal process and do not allow such property owners and their attorneys to manipulate and harm the credit of ordinary individuals. \nFor clarity I have written and provided the lease clauses that granted me the right to vacate please take them into consideration. During the XXXX days period, I was not able to take a shower even once, the apartment was filled with water gushing from multiple areas, it was uninhabitable and essential household appliances were not available. \nSection XXXX Written Requests Required, I submitted all repair requests in writing and through the resident portal. Management failed to perform the required repairs within a reasonable time. \nSection XXXX Conditions Affecting XXXX and XXXX The malfunctioning shower, leaking washer, non functional dryer, contaminated replacement washer and chemical or drug odors materially affected health and safety. \nSection XXXX Resident Remedies When a condition materially affects health or safety and is not repaired, the resident has the right to terminate the lease and seek reimbursement. This section applies directly to my situation. \nSection XXXX Surrender of the Premises Keys were returned to the office and which constitutes legal surrender. Therefore, no further rent or charges can be assessed after that point. \nSection XXXX Security Deposit Deductions are only allowed for resident caused damage or unpaid rent. Neither applies here. Any attempt to withhold my deposit would be improper. \nThese sections of the Lease Agreement clearly support my position, confirm that I fulfilled all obligations and establish that management failed to meet their contractual and statutory duties.\n\nRelevant Texas Property Code Sections : XXXX Landlords duty to repair conditions affecting health or safety XXXX Tenant remedies if repairs are not made XXXX Tenant may vacate if the premises become uninhabitable XXXX Permissible security deposit deductions XXXX XXXX deadline for refund or itemization XXXX Penalty for bad-faith retention of a security deposit XXXX Prohibition against forcing a tenant to accept unsafe conditions Once again, I state that this collection is illegal and invalid and they have never had and do not have any legal or court judgment authorizing the creation of this illegal and invalid amount.If this unlawful debt continues, I reserve the right to pursue legal action based on the existing evidence. I owe them nothing and my balance with them is XXXX and they are the ones who owe me money. Due to their failure to provide a habitable apartment, they are obligated to refund the amounts I paid. Please also review and address their debt to me, as they are acting unilaterally and abusing their power to misuse the credit system and create illegal debts against ordinary individuals. \nPlease pay attention to the fact that they gave me XXXX weeks for free, and I did not use even XXXX day of that time because the apartment was not livable. I already paid for the period that I actually stayed there. In their letters they even use the wrong apartment number and appear to be trying to create false documentation. I lived in apartment XXXX, but they reported apartment number XXXX. \nI have already sent documents and letters many times to XXXX  showing this issue. The collection was removed for a few days and then appeared again. When I asked for an explanation, I was told that it returned because the company continues to report the collection. Is it not XXXX  responsibility to prevent this type of unlawful reporting? If the company keeps reporting the same invalid collection, does XXXX  simply accept it? \nFor a long time this apartment complex, their attorney, and the collection company have been interfering with my life and normal daily routine through threats and pressure. Please review this case carefully and resolve it as soon as possible. \nThank you for your attention to this matter. I look forward to your written response.","date_sent_to_company":"2026-03-05T19:42:31.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"75056","tags":null,"has_narrative":true,"complaint_id":"20011400","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ProCollect, Inc.","date_received":"2026-03-05T18:58:50.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Name : XXXX XXXX, social <em>security</em> XXXX, Date of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone Number : XXXX Email XXXX XXXX XXXX  Member XXXX Subject : Dispute and Rejection of Illegal and <em>Invalid</em> Collection Debt Report Number : # XXXX Collection Account Name : ProCollect , Inc Reported Balance : {$7100.00} Original Creditor : XXXX XXXX XXXX XXXX Apartments I, XXXX XXXX, with Social <em>Security</em> XXXX, hereby fully dispute and reject the illegal and <em>invalid</em> collection in the amount of {$7100.00"]},"sort":[14.841079,"20011400"]},{"_index":"complaint-public-v1","_id":"14998918","_score":13.684913,"_source":{"product":"Debt collection","complaint_what_happened":"I am disputing a collection reported by XXXX XXXX XXXX XXXX and their debt collector. I rented from XXXX in XXXX from XXXX to XX/XX/XXXXXXXX  under a 3-month lease. I paid all rent and fees, gave written notice to vacate, and moved out on XX/XX/XXXX. \n\nAfter moving out, I met with XXXX staff in person and was told my account would be finalized once utility charges were posted. I received no further communication from XXXX for more than 15 months, and I believed the account was closed in good standing. \n\nOn XX/XX/XXXX, I received an email from XXXX- the first communication since move-out - claiming I owed {$1000.00}. This was 487 days after I vacated the unit. Under Washington State landlord-tenant law ( RCW XXXX ), landlords must return the security deposit or provide an itemized statement within 21 days of a tenant vacating. That never happened. No explanation or documentation of charges was sent during the legally required timeframe. This delay alone invalidates any charges. \n\nSeparately, the debt collector later submitted a tenant ledger dated XX/XX/XXXX, showing a {$0.00} balance. This strongly supports my belief that the account was considered closed and settled. If any legitimate balance had existed, it should have appeared in that document. Instead, I received an unexpected demand 15 months later, with no explanation. \n\nThe continued reporting of this debt - after their own records showed a {$0.00} balance -appears to violate : * Washington law ( RCW 59.18.280 ) invalidating the debt due to missed notice deadline * FDCPA misrepresenting the amount and status of the debt * FCRA reporting inaccurate or misleading information I am requesting deletion of this invalid collection and full resolution of the matter.","date_sent_to_company":"2025-07-31T17:31:30.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"98004","tags":"Servicemember","has_narrative":true,"complaint_id":"14998918","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":"2025-07-31T16:35:40.000Z","state":"WA","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["Under Washington State landlord-tenant law ( RCW XXXX ), landlords must return the <em>security</em> deposit or provide an itemized statement within 21 days of a tenant vacating. That never happened. No explanation or <em>documentation</em> of charges was sent during the legally required timeframe. This delay alone invalidates any charges. \n\nSeparately, the debt collector later submitted a tenant ledger dated XX/XX/XXXX, showing a {$0.00} balance."]},"sort":[13.684913,"14998918"]},{"_index":"complaint-public-v1","_id":"9633486","_score":13.503089,"_source":{"product":"Mortgage","complaint_what_happened":"I am writing to file an urgent formal complaint regarding the foreclosure of my property located at XXXX XXXX XXXX XXXX, Fl. As XXXX  and XXXX individuals, my spouse and I are in a particularly vulnerable situation, and we respectfully request that you expedite the review of our case. \n\nThe foreclosure judgment requires us to vacate our property within 30 days, causing significant hardship and distress, especially given our age and health conditions. However, I have evidence suggesting irregularities in the foreclosure process, including : 1. A release of lien document that was not properly considered 2. Documentation showing that my loan was never securitized 3. Evidence of a fraudulent transfer of the loan through a questionable assignment These issues were not adequately addressed during the foreclosure proceedings, and I believe they materially affect the validity of the foreclosure judgment. \n\nGiven our vulnerable status and the imminent threat of homelessness, we urgently request a thorough and expedited investigation into this matter, particularly focusing on : - The validity of the foreclosure in light of the release of lien - The securitization status of our loan and its impact on the foreclosing entity 's standing - The legality of the loan transfer and assignment A foreclosure sale is currently scheduled for XXXX XXXX I have recently uncovered evidence of significant fraud and irregularities related to the securitization of the mortgage in question, which materially affects the validity of the foreclosure judgment. This transfer was transferred after the closing date of the said trust closed. \n\nSpecifically, I discovered that XXXX XXXX XXXX XXXX, purportedly the holder of the mortgage, is not a legitimate entity holding the mortgage, but rather a vehicle for fraudulent securitization. \n\nI allege that : a. XXXX XXXX XXXX XXXX is a false flag entity used by the investment bank to lure the homeowner into becoming an unwitting co-issuer of securities. \nb. These securities were sold to investors without any conveyance of right, title, or interest to any obligation, legal debt, note, or mortgage. \nc. The sale of these securities, along with several other tranches of securities based on the initial certificates, paid off all loans to the investment bank bookrunner. \nd. This resulted in the elimination of any loan account receivable. \ne. The process produced revenues and profits for the investment bank that far exceeded normal fees, revenues, and profits from either the sale of securities or loan products. \n\nBased on these facts, I contend that : a. There is a complete absence of any duty to make scheduled payments on a nonexistent loan account receivable. \nb. There is no financial or economic loss that can be attributed to the homeowner withholding payment. \nc. There is no valid experience of default by any creditor. \nd. The declaration of default is false. \ne. The conditions precedent to foreclosure are absent. \n\nFurthermore, I discovered evidence that the purported assignment of the mortgage was invalid : a. The assignment of my mortgage allegedly occurred on XX/XX/XXXX b. This assignment purportedly transferred the mortgage to US Bank as successor to XXXX XXXX XXXX. \nc. However, US Bank did not become successor to XXXX  XXXX XXXX XXXX XXXX. \nd. Therefore, it was legally impossible for US Bank to have been assigned the mortgage as successor to XXXX  XXXX XXXX on the date claimed. \ne. The transfer was done almost 2 years after the bank was bankrupt. \nf. The preparer of this mortgage assignment was disbarred for 3 years for making fraudulent assignments. \ng. Robo signers exist on the assignment This inconsistency in dates further demonstrates the invalidity of the chain of title and provides additional grounds to question the legitimacy of the foreclosure action. \n\nI have evidence that the mortgage in question was included in an FDIC settlement : a. The mortgage that is the subject of this foreclosure action was part of an FDIC settlement agreement. \nb. I possess documentation to prove this inclusion in the FDIC settlement. \nc. The inclusion of this mortgage in an FDIC settlement raises significant questions about : i. The current ownership and standing of the party attempting to foreclose. \nii. Whether the debt has already been satisfied or otherwise resolved through the FDIC settlement. \niii. The validity of any subsequent transfers or assignments of the mortgage after the FDIC settlement. \nThe evidence presented in The above points materially affects the validity of the foreclosure judgment. \nWe look forward to your immediate attention to this matter and a thorough investigation of these serious concerns. The urgency of our situation can not be overstated, and we greatly appreciate any efforts to expedite this process. \n\nXXXX XXXX","date_sent_to_company":"2024-08-01T18:44:14.000Z","issue":"Closing on a mortgage","sub_product":"FHA mortgage","zip_code":"33813","tags":"Older American","has_narrative":true,"complaint_id":"9633486","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2024-07-29T02:39:59.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Closing disclosure or other related disclosures"},"highlight":{"complaint_what_happened":["A release of lien document that was not properly <em>considered</em> 2. <em>Documentation</em> showing that my loan was never securitized 3. Evidence of a fraudulent transfer of the loan through a questionable assignment These issues <em>were</em> not adequately addressed during the foreclosure proceedings, and I believe they materially affect the validity of the foreclosure judgment."]},"sort":[13.503089,"9633486"]},{"_index":"complaint-public-v1","_id":"18303833","_score":12.855421,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB COMPLAINT NARRATIVE Date : XX/XX/XXXX Company : Equifax Product : Credit reporting Issue : Problem with a companys investigation into an existing problem Consumer : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX Complaint Summary I am filing this complaint to document improper dispute invalidation and unreasonable identity-verification demands made by Equifax after my disputes were already XXXX, assigned confirmation numbers, and placed under investigation. \nOn XX/XX/XXXX, I called Equifax at ( XXXX ) XXXX to obtain clarification regarding the status of multiple open disputes. The outgoing call lasted approximately XXXX minutes and began at XXXXXXXX XXXX \nDuring this call, an Equifax agent informed me that my drivers license and Social Security documentation were considered invalid, that my existing disputes were being marked invalid, and that I was required to resubmit identification including my full Social Security number. The agent explicitly stated that providing only the last XXXX digits of my SSN was insufficient. \nI explained to the agent that I have never provided my full Social Security number to Equifax for disputesonly the last XXXX digitsand that this method has been consistently accepted by Equifax in the past. \n\nDisputes Improperly Targeted The agent specifically referenced the following Equifax dispute confirmation numbers, all of which had already been accepted and issued by Equifax : Confirmation # XXXX Confirmation # XXXX Confirmation # XXXX Confirmation # XXXX Confirmation # XXXX Confirmation # XXXX Confirmation # XXXX Equifax must ensure that the closed confirmation numbers listed above were properly handled, and that the open complaints listed below are properly handled as well. \nEquifax can not retroactively invalidate disputes after identity verification has already occurred and confirmation numbers have been issued. \n\nProof of Disparate and Inconsistent Treatment Equifaxs claim that my identification is invalid is contradicted by its own historical conduct. \nI have filed numerous prior CFPB complaints against Equifax, all using the same identity-verification method ( government-issued ID and partial SSN ). Many of these complaints were accepted, investigated, and closed, with no indication whatsoever that my identification was invalid or insufficient. \nExamples include ( not exhaustive ) : CFPB complaint IDs from XX/XX/XXXX through XX/XX/XXXX, all marked Closed Company Responded Additional closed complaints from XXXX XXXX and XX/XX/XXXX, all processed using the same identification method None of the closed CFPB files reference invalid documentation, identity failure, or refusal to investigate due to missing full SSN This establishes that Equifax has previously verified my identity using the same documentation, and that the sudden demand for a full Social Security number is new, inconsistent, and selectively applied. \n\nImproper Demand for Full Social Security Number Equifaxs demand that I provide my full Social Security number as a condition to reinstate or process disputes is unreasonable and unsupported. \nThe Fair Credit Reporting Act does not require consumers to disclose their full SSN to dispute inaccuracies Equifax has repeatedly accepted disputes from me using a partial SSN Identity verification had already occurred, as evidenced by issued confirmation numbers Additionally, I was not provided any written notice identifying a specific deficiency in my identification or explaining how to cure it, despite Equifax claiming my disputes were being invalidated. \nAn oral statement during a phone call does not satisfy notice or documentation requirements. \n\nRelated Open CFPB Complaints This conduct directly impacts and appears designed to obstruct the resolution of the following currently open CFPB complaints, all of which have already been sent to Equifax : Your complaintt Open COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX XXXX XXXXeporting Problem with a company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem Equifax Information Services LLC XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting XXXX XXXX XXXX XXXX XXXX investigation into an existing problem Equifax Information Services LLC XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting Problem with XXXX XXXX XXXX XXXX XXXX an existing problem Equifax Information Services LLC XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Problem with a company XXXX XXXX XXXX XXXX XXXX problem Equifax Information Services LLC XX/XX/XXXX Closed Company responded XXXX XXXX XXXX XXXX XXXX XXXX XXXX a company 's investigation XXXX XXXX XXXX XXXX Equifax Information Services LLC XX/XX/XXXX Closed Company responded XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's investigation into an XXXX XXXX Equifax Credit Bureau XX/XX/XXXX Closed Company responded XXXX XXXX XXXX XXXX reporting XXXX XXXX XXXX XXXX XXXX XXXX into an existing problem Equifax Credit Bureau XX/XX/XXXX XXXX Company responded XXXX XXXX XXXX XXXX XXXX Unable to XXXX XXXX credit report XXXX credit score Equifax Information Services LLC XX/XX/XXXX XXXX Company responded XXXX XXXX XXXX XXXX reporting Problem with a XXXX XXXX XXXX XXXX an XXXX XXXX Equifax Credit Bureau XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting Problem with a company 's investigation XXXX XXXX XXXX XXXX Equifax Information Services LLC XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX reporting Problem with a company 's investigation into XXXX XXXX XXXX EQUIFAX XX/XX/XXXX XXXX XXXX responded XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX XX/XX/XXXX XXXX Company responded XXXX XXXX XXXX XXXX reporting XXXX XXXX XXXX XXXX XXXX investigation into an existing problem Equifax Credit Bureau XX/XX/XXXX XXXX Company responded XXXX XXXX XXXX XXXX reporting XXXX XXXX XXXX XXXX XXXX investigation into an existing problem Equifax Information Services LLC XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unable XXXX XXXX XXXX credit report or credit score Equifax Information Services LLC XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Problem with a company XXXX XXXX XXXX an existing problem Equifax Credit Bureau XX/XX/XXXX Closed Company responded XXXX XXXX XXXX XXXX reporting XXXX XXXX a company 's investigation XXXX XXXX XXXX XXXX Equifax Credit Bureau XX/XX/XXXX Closed Company responded XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report Equifax Credit Bureau XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting Problem with a company 's XXXX XXXX XXXX XXXX XXXX Equifax Credit Bureau XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX substance of these XXXX XXXX Equifax appears to be attempting to invalidate disputes procedurally by imposing new and unreasonable identity requirements.","date_sent_to_company":"2025-12-26T21:08:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70785","tags":null,"has_narrative":true,"complaint_id":"18303833","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-26T21:01:45.000Z","state":"LA","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["The outgoing call lasted approximately XXXX minutes and began at XXXXXXXX XXXX \nDuring this call, an Equifax agent informed me that my drivers license and Social <em>Security</em> <em>documentation</em> <em>were</em> <em>considered</em> <em>invalid</em>, that my existing disputes <em>were</em> being marked <em>invalid</em>, and that I was required to resubmit identification including my full Social <em>Security</em> number. The agent explicitly stated that providing only the last XXXX digits of my SSN was insufficient."]},"sort":[12.855421,"18303833"]},{"_index":"complaint-public-v1","_id":"11815000","_score":12.742853,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In late XXXX, this agency was notified that the following reports on my credit file were inaccurate due to the collector 's refusal or failure to properly validate the original creditor 's erroneous claim of debt in accordance with federal law FCRA 15 USC 1692 ( b ). The agency has not provided proof of full, detailed validation verifying accuracy of the debt nor have they removed the inaccurate report from my credit file. \n\nINACCURATE COLLECTION REPORTS I ) XXXX XXXX XXXX FOR XXXX XXXX DEBT INVALID Due to lack of timely notification according to Georgia Code 44-7-33 ( b ) Georgia Code 44-7-33 states landlord can't keep security deposit for debt without notifying tenant by 30 days of vacate. I requested but didn't receive evidence of timely notification ( i.e. tracking # or date-stamped postage ). Landlord can type any date on letter/invoice, so it's not verifiable proof that I was notified. Please investigate and remove report if there is no evidence of timely mailing. \n\n\nII ) XXXX XXXX XXXX FOR XXXX XXXX Collector refused or failed to validate this debt by providing a complete packet of validation documents as mandated by FCRA 15 USC 1962 ( g ) On XX/XX/XXXX ( 6 months ago ), Pursuant to 15 U.S.C. 1692 ( g ), I requested that the collector XXXX XXXX XXXX provide a full and thorough validation of the debt claimed by the original creditor XXXX XXXX. They only provided invoice/lease but no proof of timely notification of debt, no paid work receipts. Collector refused consumer 's call yesterday. This grossly violates my consumer rights. Please provide full, legal validation or remove this report. \n\nPlease provide third-party evidence of timely notification of debt to the consumer, via courier service, shipment tracking number, signed delivery receipt, or date stamped postage, showing it was received by the consumer within 30 days of vacating the premises. Without this form of validation, Georgia Code 44-7-33 states that the debt is invalid and must be removed from my credit file.\n\nPlease provide full detailed billing and payment histories of rent and utility including dates, usages, amounts, and parties involved in each transaction. Without this form of validation, Georgia Code 44-7-33 states that the debt is invalid and must be removed from my credit file. \n\nPlease provide clear, date stamped photographic or video evidence in color of any damages beyond normal wear and tear that are claimed to have been caused by the tenant, along with fully itemized and date stamped repair work receipts. Without this form of validation, Georgia Code 44-7-33 states that the debt is invalid and must be removed from my credit file. \n\nPlease provide a list of any insurance claims that have been made regarding this debt, including dates and amounts, and any offsets that have been applied to the balance. Without this form of validation, Georgia Code 44-7-33 states that the debt is invalid and must be removed from my credit file.\n\nPlease provide documentation showing the collector 's chain of title for this debt, demonstrating that the collector has the legal right to collect this debt, including any assignments or transfers. Without this form of validation, Georgia Code 44-7-33 states that the debt is invalid and must be removed from my credit file. \n\nThe FDCPA requires debt collectors to provide verification of the debt within five days of the initial communication. Failure to provide this information means the collector is not legally allowed to collect the debt, nor report it to credit agencies as it would be considered inaccurate and unverified reporting, which is a violation of the law. \n\nPlease be advised that it is illegal to report or continue to report a debt on a consumer 's credit file without proper validation. Should you be unable to provide the required validation mandated by law, you are required to remove the debt from all credit files. \n\nI am requesting prompt attention to this urgent matter, written acknowledgement of receipt of this dispute, and written resolution within the time allowed by law or immediate removal of this report from my credit file.","date_sent_to_company":"2025-01-28T22:18:53.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"300XX","tags":null,"has_narrative":true,"complaint_id":"11815000","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-28T22:18:45.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Please provide <em>documentation</em> showing the collector 's chain of title for this debt, demonstrating that the collector has the legal right to collect this debt, including any assignments or transfers. Without this form of validation, Georgia Code 44-7-33 states that the debt is <em>invalid</em> and must be removed from my credit file. \n\nThe FDCPA requires debt collectors to provide verification of the debt within five days of the initial communication."]},"sort":[12.742853,"11815000"]},{"_index":"complaint-public-v1","_id":"11816930","_score":12.719713,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In late XXXX, this agency was notified that the following reports on my credit file were inaccurate due to the collector 's refusal or failure to properly validate the original creditor 's erroneous claim of debt in accordance with federal law FCRA 15 USC 1692 ( b ). The agency has not provided proof of full, detailed validation verifying accuracy of the debt nor have they removed the inaccurate report from my credit file. \n\nINACCURATE COLLECTION REPORTS I ) XXXX XXXX XXXX XXXX XXXX XXXX DEBT INVALID Due to lack of timely notification according to Georgia Code 44-7-33 ( b ) Georgia Code 44-7-33 states landlord can't keep security deposit for debt without notifying tenant by 30 days of vacate. I requested but didn't receive evidence of timely notification ( i.e. tracking # or date-stamped postage ). Landlord can type any date on letter/invoice, so it's not verifiable proof that I was notified. Please investigate and remove report if there is no evidence of timely mailing. \n\n\nII ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Collector refused or failed to validate this debt by providing a complete packet of validation documents as mandated by FCRA 15 USC 1962 ( g ) On XX/XX/XXXXXXXX XXXX  ( 6 months ago ), Pursuant to 15 U.S.C. 1692 ( g ), I requested that the collector XXXX XXXX XXXX provide a full and thorough validation of the debt claimed by the original creditor XXXX XXXX. They only provided invoice/lease but no proof of timely notification of debt, no paid work receipts. Collector refused consumer 's call yesterday. This grossly violates my consumer rights. Please provide full, legal validation or remove this report. \n\nPlease provide third-party evidence of timely notification of debt to the consumer, via courier service, shipment tracking number, signed delivery receipt, or date stamped postage, showing it was received by the consumer within 30 days of vacating the premises. Without this form of validation, Georgia Code 44-7-33 states that the debt is invalid and must be removed from my credit file.\n\nPlease provide full detailed billing and payment histories of rent and utility including dates, usages, amounts, and parties involved in each transaction. Without this form of validation, Georgia Code 44-7-33 states that the debt is invalid and must be removed from my credit file. \n\nPlease provide clear, date stamped photographic or video evidence in color of any damages beyond normal wear and tear that are claimed to have been caused by the tenant, along with fully itemized and date stamped repair work receipts. Without this form of validation, Georgia Code 44-7-33 states that the debt is invalid and must be removed from my credit file.\n\nPlease provide a list of any insurance claims that have been made regarding this debt, including dates and amounts, and any offsets that have been applied to the balance. Without this form of validation, Georgia Code 44-7-33 states that the debt is invalid and must be removed from my credit file. \n\nPlease provide documentation showing the collector 's chain of title for this debt, demonstrating that the collector has the legal right to collect this debt, including any assignments or transfers. Without this form of validation, Georgia Code 44-7-33 states that the debt is invalid and must be removed from my credit file.\n\nThe FDCPA requires debt collectors to provide verification of the debt within five days of the initial communication. Failure to provide this information means the collector is not legally allowed to collect the debt, nor report it to credit agencies as it would be considered inaccurate and unverified reporting, which is a violation of the law. \n\nPlease be advised that it is illegal to report or continue to report a debt on a consumer 's credit file without proper validation. Should you be unable to provide the required validation mandated by law, you are required to remove the debt from all credit files. \n\nI am requesting prompt attention to this urgent matter, written acknowledgement of receipt of this dispute, and written resolution within the time allowed by law or immediate removal of this report from my credit file.","date_sent_to_company":"2025-01-28T22:18:53.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"300XX","tags":null,"has_narrative":true,"complaint_id":"11816930","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-28T22:18:45.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Please provide <em>documentation</em> showing the collector 's chain of title for this debt, demonstrating that the collector has the legal right to collect this debt, including any assignments or transfers. Without this form of validation, Georgia Code 44-7-33 states that the debt is <em>invalid</em> and must be removed from my credit file.\n\nThe FDCPA requires debt collectors to provide verification of the debt within five days of the initial communication."]},"sort":[12.719713,"11816930"]},{"_index":"complaint-public-v1","_id":"11816668","_score":12.7073765,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In late XXXX, this agency was notified that the following reports on my credit file were inaccurate due to the collector 's refusal or failure to properly validate the original creditor 's erroneous claim of debt in accordance with federal law FCRA 15 USC 1692 ( b ). The agency has not provided proof of full, detailed validation verifying accuracy of the debt nor have they removed the inaccurate report from my credit file. \n\nINACCURATE COLLECTION REPORTS I ) XXXX XXXX XXXX FOR XXXX XXXX DEBT INVALID Due to lack of timely notification according to Georgia Code 44-7-33 ( b ) Georgia Code 44-7-33 states landlord can't keep security deposit for debt without notifying tenant by 30 days of vacate. I requested but didn't receive evidence of timely notification ( i.e. tracking # or date-stamped postage ). Landlord can type any date on letter/invoice, so it's not verifiable proof that I was notified. Please investigate and remove report if there is no evidence of timely mailing. \n\n\nII ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX Collector refused or failed to validate this debt by providing a complete packet of validation documents as mandated by FCRA 15 USC 1962 ( g ) On August 1, 2024 ( 6 months ago ), Pursuant to 15 U.S.C. 1692 ( g ), I requested that the collector XXXX XXXX XXXX provide a full and thorough validation of the debt claimed by the original creditor XXXX XXXX. They only provided invoice/lease but no proof of timely notification of debt, no paid work receipts. Collector refused consumer 's call yesterday. This grossly violates my consumer rights. Please provide full, legal validation or remove this report. \n\nPlease provide third-party evidence of timely notification of debt to the consumer, via courier service, shipment tracking number, signed delivery receipt, or date stamped postage, showing it was received by the consumer within 30 days of vacating the premises. Without this form of validation, Georgia Code 44-7-33 states that the debt is invalid and must be removed from my credit file.\n\nPlease provide full detailed billing and payment histories of rent and utility including dates, usages, amounts, and parties involved in each transaction. Without this form of validation, Georgia Code 44-7-33 states that the debt is invalid and must be removed from my credit file. \n\nPlease provide clear, date stamped photographic or video evidence in color of any damages beyond normal wear and tear that are claimed to have been caused by the tenant, along with fully itemized and date stamped repair work receipts. Without this form of validation, Georgia Code 44-7-33 states that the debt is invalid and must be removed from my credit file.\n\nPlease provide a list of any insurance claims that have been made regarding this debt, including dates and amounts, and any offsets that have been applied to the balance. Without this form of validation, Georgia Code 44-7-33 states that the debt is invalid and must be removed from my credit file.\n\nPlease provide documentation showing the collector 's chain of title for this debt, demonstrating that the collector has the legal right to collect this debt, including any assignments or transfers. Without this form of validation, Georgia Code 44-7-33 states that the debt is invalid and must be removed from my credit file.\n\nThe FDCPA requires debt collectors to provide verification of the debt within five days of the initial communication. Failure to provide this information means the collector is not legally allowed to collect the debt, nor report it to credit agencies as it would be considered inaccurate and unverified reporting, which is a violation of the law.\n\nPlease be advised that it is illegal to report or continue to report a debt on a consumer 's credit file without proper validation. Should you be unable to provide the required validation mandated by law, you are required to remove the debt from all credit files.\n\nI am requesting prompt attention to this urgent matter, written acknowledgement of receipt of this dispute, and written resolution within the time allowed by law or immediate removal of this report from my credit file.","date_sent_to_company":"2025-01-28T22:18:34.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"300XX","tags":null,"has_narrative":true,"complaint_id":"11816668","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-28T21:29:24.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Please provide <em>documentation</em> showing the collector 's chain of title for this debt, demonstrating that the collector has the legal right to collect this debt, including any assignments or transfers. Without this form of validation, Georgia Code 44-7-33 states that the debt is <em>invalid</em> and must be removed from my credit file.\n\nThe FDCPA requires debt collectors to provide verification of the debt within five days of the initial communication."]},"sort":[12.7073765,"11816668"]},{"_index":"complaint-public-v1","_id":"7907797","_score":12.073081,"_source":{"product":"Mortgage","complaint_what_happened":"On the following dates, XX/XX/XXXX request was sent and again on XX/XX/XXXX. On XX/XX/XXXX, a petition was sent requesting the original wet ink signature inspection, not copies. Another package was sent XX/XX/XXXX ( XXXX ). \nAn international bill of exchange to pay off the loan was sent on XX/XX/XXXX. An email was sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Around XX/XX/XXXX, a package with numerous bonds and remittance transfer was mailed and they refuse to credit the account along with providing validation of debt ( tracker XXXX ). On XX/XX/XXXX, a civil summon was sent via email along with notification about the upcoming certified mailed package with the court document and they have been dodging not picking up or receiving XXXX packages. On XX/XX/XXXX another package was sent ( tracker XXXX ) along with tort documentation. still no credit to the accounts while keeping the original security document. along with validation of debt ( tracker XXXX ) and the documents listed below. XX/XX/XXXX another package was sent again ( tracker XXXX ). On XX/XX/XXXX, another package was sent XXXX ) and they were notified of the upcoming court document along with certified mail number. So they dodge the document and did not accept or pick it up.. XX/XX/XXXX another package was sent with the international bill of exchange since they did not accepted the court order they did not accept that package either. On XX/XX/XXXX, another packages with numerous bonds and remittance transfer coupons were sent again. The package was address to XXXX XXXX XXXX based on the XXXX investor report he could be reach at the headquarter when I called on XX/XX/XXXX since the package was delivered on XX/XX/XXXX to find out when they credit the account and follow the instruction provides. I was told he could not be reached and there was no way to get a hold of him. WELLS FARGO made millions using my securities, my signature, and in turn I requested for them to accept my performance as a surety on the account and credit the account. I have rescinded their interest and accepted all title, all right, and guaranteed equity in my securities. Each occasion WELLS FARGO refused to credit the account. \nWELLS FARGO is not able to provide as previously requested : A currency trace proving funds for the alleged debt that were actually provided by the WELLS FARGO or its assignor since there will be a currency trace if they are a true creditor. The XXXX balance sheet as it relates to the original line of credit, which would show the ledgering of the account. \nThe off balance sheet entry of the line of credit. The form is Mandatory filing pursuant to Title 12 U.S.C. 248 & 347. The 1099 OID and 1099-A reports that will identify who the principal is from, which capital and interest was taken, and who the recipient or payer of the funds are, and who is holding the account in escrow, unadjusted on this account. The S3-A registration statement : shows when and where the account was sold. The 424 B-5 prospectus ( security filing ). The RC C, C Q & RC S call schedules covering the period of the origination. The FASB ( Financial Accounting Standards Board ) part of GAAP ( Generally Accepted Accounting Standards ) FAS 125, 133, 140, 5, 95. These will direct the auditor to the liability side of the banks books and also create the trail of exactly where the money came from and where it went. A certified copy of the bond that the lender purchased to insure this account and copies of any payments made to date. This agreement stands for any and all trustee ( s ), Successor Trustee ( s ), Substituted Trustee ( s ), Agent ( s ), Servicers ( s ), Assigns ( s ), Transfer ( s ), known and unknown. This agreement and or obligation is non-transferable. Any transfers without the expressed written consent of the Plaintiff should be deemed as trespassing. If WELLS FARGO claims that there was a contractual obligation between Plaintiff and WELLS FARGO through an alleged contract then WELLS FARGO has ( pursuant to contract law and common sense ) the contractual obligation to produce and disclose and comply with such requests by the WELLS FARGO, which WELLS FARGO now requests. WELLS FARGO must provide an authentic signed contract by both parties. Provide licensing and permitting information. WELLS FARGO refuses to validate and produce the requested documents further they have no contractual obligation to produce and/ or disclose and / or comply then such failure to validate would established that there is no contractual obligation between us. If there is no contractual obligation between us, WELLS FARGO has no legal right to make negative report to my credit report and their failure to comply XXXX prove fault and security fraud. The alleged debt has been denied and disputed and must be validated and verified by the WELLS FARGO. \nWELLS FARGO issued a monthly Bond Statement and a coupon note. These are recognized as negotiable instruments under U.C.C. Article 3. I sought to enforce this coupon note through endorsement and transfer in good faith, as stipulated in U.C.C. 3-301. If such a promise to pay is rendered invalid, it casts doubt on the legitimacy of the entire debt. As established in U.C.C., the debt is either considered satisfied or entirely nullified. WELLS FARGO 's refuses to honor their note, despite the actions in alignment with the U.C.C., amounts to a full discharge of the debt as per U.C.C. 3-603. It falls upon the WELLS FARGO to demonstrate that the issued coupon note does not fulfill the criteria established in the U.C.C. By not acknowledging my rightful claim, WELLS FARGO unjustly benefits from the security and continues to commit security fraud and money laundering.\n\nWELLS FARGO issued a monthly Bond Statement and a coupon note. These are recognized as negotiable instruments under U.C.C. Article 3. I sought to enforce this coupon note through endorsement and transfer in good faith, as stipulated in U.C.C. 3-301. If such a promise to pay is rendered invalid, it casts doubt on the legitimacy of the entire debt. As established in U.C.C., the debt is either considered satisfied or entirely nullified. WELLS FARGO 's refuses to honor their note, despite the actions in alignment with the U.C.C., amounts to a full discharge of the debt as per U.C.C. 3-603. It falls upon the WELLS FARGO to demonstrate that the issued coupon note does not fulfill the criteria established in the U.C.C. By not acknowledging my rightful claim, WELLS FARGO unjustly benefits from the security and continues to commit security fraud and money laundering.","date_sent_to_company":"2023-11-28T00:27:13.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"7907797","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-11-28T00:16:26.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Paying off the loan"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX another package was sent ( tracker XXXX ) along with tort <em>documentation</em>. still no credit to the accounts while keeping the original <em>security</em> document. along with validation of debt ( tracker XXXX ) and the documents listed below. XX/XX/XXXX another package was sent again ( tracker XXXX ). On XX/XX/XXXX, another package was sent XXXX ) and they <em>were</em> notified of the upcoming court document along with certified mail number."]},"sort":[12.073081,"7907797"]},{"_index":"complaint-public-v1","_id":"2872280","_score":11.908991,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX, I received a letter from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The letter stated that I was delinquent on a loan. I was instructed to pay the amount due by the due date. If payment was not received I would be considered in default. The letter further stated that if I did not notify them within 30 days after receiving the notice that I disputed the validity of the debt or any portion thereof, the lender would assume the debt was valid. No loan information was provided in the default letter. \n\nI never have nor would I ever apply for a loan with XXXX XXXX XXXX, which I believe is an online payday lender. I contacted the company using the site provided in the letter ( XXXX XXXX XXXX XXXX ) using the Contact Us feature and notified them that I did not apply for loan through nor did I receive funds from their organization. The organization did not accept my notice that the debt is not valid. \nIn follow-up correspondence that I received, the following information was included regarding the invalid debt. \n\nCustomer Information Loan Information Original Amount : {$1000.00} Fee on Appl. : {$300.00} Payment Due : XX/XX/XXXX Application Date : XX/XX/XXXX Origination Date : XX/XX/XXXX While my social security number and address were correct, all of the other information provided by XXXX XXXX XXXX is not. More specifically, phone numbers, e-mail, payroll, bank, and employer information is not correct. I do not have a XXXX XXXX  XXXX account nor have I ever worked for XXXX XXXX XXXX XXXX XXXX failed to do its due diligence ( e.g., credit bureau report ) that would have confirmed that I am not the borrower. \nMy situation is identical to the allegations, more specifically Collecting loan payment which consumers did not owe, noted in the action taken by the CFPB against XXXX XXXX XXXX on XX/XX/XXXX. \nI did not apply for a loan with XXXX XXXX XXXX. I did not submit any of my information to the organization nor did I sign any loan documentation. This company needs to be shut down for its inability to confirm the identity of its borrowers and aggressive collection efforts against individuals that I have not applied for credit with them.","date_sent_to_company":"2018-04-11T23:09:30.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"63026","tags":null,"has_narrative":true,"complaint_id":"2872280","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Tribal Lending Enterprise, Inc.","date_received":"2018-04-11T22:27:34.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["In follow-up correspondence that I received, the following information was included regarding the <em>invalid</em> debt. \n\nCustomer Information Loan Information Original Amount : {$1000.00} Fee on Appl. : {$300.00} Payment Due : XX/XX/XXXX Application Date : XX/XX/XXXX Origination Date : XX/XX/XXXX While my social <em>security</em> number and address <em>were</em> correct, all of the other information provided by XXXX XXXX XXXX is not."]},"sort":[11.908991,"2872280"]},{"_index":"complaint-public-v1","_id":"8315669","_score":10.772604,"_source":{"product":"Credit card","complaint_what_happened":"Navy Federal Credit Union is in violation of various aspects of the UCC, USC, and various other issues related to securities, coupons, and negotiable instruments. \n\nBy refusing to accept my tender, reporting false information to the credit reporting agencies, and locking my credit card, even if unintentional, NFCU has violated 18 USC Ch. 41 : EXTORTION. \n\nViolations of Title 12 USC section : 411.\n\nRejecting coupon/payment which is adherent to UCC 3-104 . \nRefusal to discharge the debt which is a violation of XXXX, XXXX, XXXX, and XXXX. \nMaking claim that a coupon is not a negotiable instrument. \nViolation of title 18 USC section XXXX. \nViolations of any USC resulting in loss, harm, or injury.\n\nViolations of any UCC resulting in loss, harm, or injury.\n\nViolation of UCC 3-502 putting company in dishonor.\n\nBreach of fiduciary duty UCC 3-307.\n\nViolation UCC 4-302.\n\nCoupons- They are written contracts for the payment of a definite sum of money. They are deemed negotiable and distinct promises. This is supported by XXXX XXXX XXXX, 106 U.S. 589, XXXX S.Ct. XXXX, XXXX L.Ed. XXXX. \n\nAs per various laws, provisions in the UCC, XXXX XXXX dictionary, and other resources : Tender is the offer of performance, not performance itself, and when unjustifiably refused, places the other party in default and permits party making tender to exercise remedies for breach of contract. \n\nRelying on this established interpretation and precedent, the Plaintiff sought to enforce this coupon note through endorsement and transfer in good faith, as stipulated in U.C.C. 3-301.\n\nIf such a coupon is rendered invalid, it casts doubt on the legitimacy of the entire debt. As established in U.C.C., the debt is either considered satisfied or entirely nullified. \n\nThe Defendants refusal to honor this note, despite the Plaintiff 's actions in alignment with the U.C.C., amounts to a full discharge of the debt as per U.C.C. XXXX. \n\nIt falls upon the Defendants to demonstrate that the issued coupon note does not fulfill the criteria established in the U.C.C.\n\nSome instruments were securities. These instruments can be exchangeable with the Federal Reserve pursuant to 12 USC 412.\n\nNo interest in claiming those securities was expressed by any party, other than the plaintiff.\n\nA promissory note is a negotiable instrument.\n\nNotes are accepted as collateral securities in accordance with 12 USC 412.\n\nA bill of exchange is an unconditional promise to pay.\n\nA bill of exchange is a negotiable instrument.\n\nBills of exchange are collateral securities in accordance with 12 USC 412.\n\n18 USC 2314 Transportation of Stolen Securities.\n\nUnknown negotiation via blank indorsement allowed Defendants to take possession of securities. \n\nThis negotiation should have been done under special negotiation and should have been temporary until the application for notes via 12 USC 412 was completed at the Federal Reserve Window.\n\n18 USC 1348 Securities and Commodities XXXX. \n\nPlaintiff were not informed that these instruments were negotiable, nor that, as per all of the above case laws cited, that banks can not lend their credit. \n\nPlaintiff were never informed of the various optional indorsements in accordance with XXXX Article XXXX. \n\nXXXX is due to lack of complete failure to disclose terms and options of signing/indorsing the above securities. \n\nThis damaged plaintiff materially due to valuable instruments being purloined and not available to plaintiff, impeding plaintiffs ability to use their credit. \n\nDue to the plaintiffs signatures being the birth of value for all the above negotiable instruments, plaintiffs are the secured parties for all transactions in these transactions.\n\nIn accordance with 16 CFR 433.1 ( i ) and UCC 3-104 ( a ), an instrument is an instrument that is negotiable and an unconditional commitment to pay, equivalent to a dollar. As the affiant, I have good reason to thinkand I do believethat this document fulfills the requirements of the Negotiable Instruments Act and that I have paid in full for this transaction on the consummation date. \n\nI've made numerous attempts to settle the matter in accordance with the UCC, USC ( including The Truth In Lending Act, aka, TILA ), and have been ignored, or otherwise told the tender is refused, in violation of the above.\n\nI have sent notices to NFCU 's credit & billing department, legal, ceo+cfo+general counsel, and registered agent for the state of Nebraska. \n\nI'm providing copies of my complaint to the SEC, Federal Reserve, Office of the Comptroller, XXXX XXXX XXXX XXXX XXXX XXXX, FTC, and Attorney Generals for XXXX XXXX XXXX, for inspection and collection, per 12 USC 504 Civil Money Penalty. \n\nXXXX is aware of, and has evidence of Navy Federal Credit Union reporting unverified, false, and misleading information to Plaintiffs consumer report. This is a violation of both Plaintiffs XXXX XXXX right to the security of my papers, including consumer reports about Plaintiff, and 15 U.S. Code 1692d ( 1 ).\n\nNotice, it is a fact that the affiant is aware of the fraudulent and inaccurate credit information reported, and that this is a violation of 15 U.S. Code 1692e ( XXXX ), and the affiant has proof. \n\nXXXX acknowledges that it is a fact that prior to providing any information, a notice of dispute must be included. Additionally, no information may be provided to a consumer reporting agency without a notification that the information is contested. The affiant has disputed this information with Defendant, Navy Federal Credit Union.\n\nDuring this disagreement, this company has unlawfully given this information without a notice of dispute. This is a clear violation of 15 U.S. Code Section 1681s-2 ( a ) ( 3 ).\n\nNotice that nothing in 1681s-2 ( 7 ) ( A ) mandates that unfavorable information be given to a consumer reporting agency. This is a fact that the affiant is aware of. If a furnisher participates in the process of reporting information to a consumer reporting agency, the furnisher is obliged to provide information that is 100 % correct. It is a clear violation of 15 U.S. Code 1681s-2 ( 7 ) ( E ) to conflate the obligation to provide correct information with the requirement not to report negative information. This would amount to my information being reported without legal authority. \n\nNotice that Defendant, Navy Federal Credit Union, is unable to report any information to any third party, including consumer reporting agencies, until the creditor has settled a billing error dispute. This is a fact that the affiant is aware of. If Defendant, Navy Federal Credit Union, fails to disclose information, it will be admitted to criminal liability under 15 U.S. Code 1611 ( XXXX ). Additionally, if TILA requirements are not met for each individual action under 15 U.S. Code 1640 ( a ) ( XXXX ) ( A ) ( i ), the company will face double the financing charge. \n\nNotice : The affiant is aware that 15 U.S. Code Section 1637 ( b ) ( XXXX ) ( A ) refers to a request for the resolution of a billing problem, along with all supporting documentation necessary to determine who funded the account. \n\nUntil that request is completed, if Defendant, Navy Federal Credit Union is unable to disclose late payments in compliance with 12 CFR 1026.13 ( d ) ( XXXX ). These are considered to be in violation of 15 U.S.Code 1666b, if Defendant, Navy Federal Credit Union, reports late payments without complying with the standards in 15 U.S.Code 1637 ( b ).\n\nNotice, this is a fact, and as the affiant Im aware of the fact, that I have used my rights in good faith, and I have cause to thinkand I do believethat Defendant, Navy Federal Credit Union, has been unfairly discriminating against me.","date_sent_to_company":"2024-02-09T16:49:34.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"68025","tags":"Servicemember","has_narrative":true,"complaint_id":"8315669","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-02-09T16:41:47.000Z","state":"NE","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Plaintiff <em>were</em> not informed that these instruments <em>were</em> negotiable, nor that, as per all of the above case laws cited, that banks can not lend their credit. \n\nPlaintiff <em>were</em> never informed of the various optional indorsements in accordance with XXXX Article XXXX. \n\nXXXX is due to lack of complete failure to disclose terms and options of signing/indorsing the above <em>securities</em>."]},"sort":[10.772604,"8315669"]},{"_index":"complaint-public-v1","_id":"3687441","_score":10.040767,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is a COMPLAINT AGAINST EXPERIAN. I am to request that the Agency, to stop reporting accounts that it says belong to me, these accounts were opened without my permission and without my authorization, I request your company to block them from their systems and stop informing the agencies. This account credit is affecting my life very negatively. The accounts are : 1 ) XXXX XXXX XXXX, 2 ) XXXX XXXX XXXX, 3 ) XXXX XXXX XXXX, 4 ) XXXX XXXX XXXX, 5 ) XXXX XXXX XXXX, XXXX XXXX XXXX. FTC REPORT The information contained in this account is reported negatively in my credit report, I make it clear that this account is not related to any participation made by me. Such transactions are the result of identity theft. I respectfully request that your offices provide me with competent evidence that this account belongs to me. Please provide the following : 1 ) The original application or contract 2 ) Any and all statements allegedly related to this account 3 ) Any and all canceled checks. 4 ) any legal document that proves that this account belongs to me. At this time I will also inform you that if your offices have reported invalid information to either of the other two agencies, this action could constitute fraud under federal and state law. Due to this fact, if XXXX continues to report any negative marks in any of my credit reports, I will not hesitate to initiate legal actions against you for the following : 1.Violation of the Fair Credit Reporting Law 2. Defamation of the character 3.  Damage If your offices can provide the proper documentation as requested in the following Statement, I will need at least 30 days to investigate this information and during that time all collection activity should cease and desist. Also, during this validation period, if steps are taken that may be considered detrimental to any of my credit reports, I will consult with my legal counsel to obtain a lawsuit. This includes any listing of any information in a credit reporting repository that may be inaccurate or invalidated or verify that an account is accurate when, in fact, no proof is provided. If your offices do not respond to this validation request within 30 days from the date of receipt, all references to this account must be removed and removed entirely from my credit file and they will send me a copy of that request for removal immediately. Block this  information from your files and send the required notice to all credit bureaus to stop reporting this account that does not belong to me. In addition to the fact that you are reporting an account opened for fraud, as you should know that it is illegal and incorrect for you to report an account that can not be verified and incorrect information reporting under my name and my social security number, I have every right to request and demand that these fraudulent accounts be blocked immediately. In accordance with the Federal Laws that protect me, since I am a victim of identity theft and I provide a FTC REPORT. AFFIDAVIT and Police Report and all the documents required by law to support this fraud, sections XXXX and XXXX of the Fair Reports Act, which establish that Your company must block fraudulent information from my credit report that is the result of identity theft within 4 business days and that you must immediately notify those who have my information.","date_sent_to_company":"2020-06-07T18:03:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33009","tags":null,"has_narrative":true,"complaint_id":"3687441","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-06-07T17:50:36.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Damage If your offices can provide the proper <em>documentation</em> as requested in the following Statement, I will need at least 30 days to investigate this information and during that time all collection activity should cease and desist. Also, during this validation period, if steps are taken that may be <em>considered</em> detrimental to any of my credit reports, I will consult with my legal counsel to obtain a lawsuit."]},"sort":[10.040767,"3687441"]},{"_index":"complaint-public-v1","_id":"3687422","_score":10.013178,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is an COMPLAINT AGAINST. I request that the Agency, to stop reporting accounts that it says belong to me, these accounts were opened without my permission and without my authorization, I request your company to block them from their systems and stop informing the agencies. This account credit is affecting my life very negatively. \nThe accounts are : 1 ) XXXX XXXX XXXX,2 ) XXXX, 3 ) XXXX XXXX, 4 ) XXXX, XXXX  XXXX XXXX , 6 ) XXXX XXXX The information contained in this account is reported negatively in my credit report, I make it clear that this account is not related to any participation made by me. Such transactions are the result of identity theft. I respectfully request that your offices provide me with competent evidence that this account belongs to me. Please provide the following : 1 ) The original application or contract 2 ) Any and all statements allegedly related to this account 3 ) Any and all canceled checks. \n4 ) any legal document that proves that this account belongs to me. \nAt this time I will also inform you that if your offices have reported invalid information to either of the other two agencies, this action could constitute fraud under federal and state law. Due to this fact, if XXXX  continues to report any negative marks in any of my credit reports, I will not hesitate to initiate legal actions against you for the following : 1.Violation of the Fair Credit Reporting Law 2. Defamation of the character 3. Damage If your offices can provide the proper documentation as requested in the following Statement, I will need at least 30 days to investigate this information and during that time all collection activity should cease and desist. Also, during this validation period, if steps are taken that may be considered detrimental to any of my credit reports, I will consult with my legal counsel to obtain a lawsuit. This includes any listing of any information in a credit reporting repository that may be inaccurate or invalidated or verify that an account is accurate when, in fact, no proof is provided. If your offices do not respond to this validation request within 30 days from the date of receipt, all references to this account must be removed and removed entirely from my credit file and they will send me a copy of that request for removal immediately. \nBlock this information from your files and send the required notice to all credit bureaus to stop reporting this account that does not belong to me. In addition to the fact that you are reporting an account opened for fraud, as you should know that it is illegal and incorrect for you to report an account that can not be verified and incorrect information reporting under my name and my social security number, I have every right to request and demand that these fraudulent accounts be blocked immediately. In accordance with the Federal Laws that protect me, since I am a victim of identity theft and I provide a police report and all the documents required by law to support this fraud, sections 605B and 611 of the Fair Reports Act, which establish that Your company must block fraudulent information from my credit report that is the result of identity theft within 4 business days and that you must immediately notify those who have my information.","date_sent_to_company":"2020-06-07T17:15:27.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33009","tags":null,"has_narrative":true,"complaint_id":"3687422","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-06-07T16:53:08.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Damage If your offices can provide the proper <em>documentation</em> as requested in the following Statement, I will need at least 30 days to investigate this information and during that time all collection activity should cease and desist. Also, during this validation period, if steps are taken that may be <em>considered</em> detrimental to any of my credit reports, I will consult with my legal counsel to obtain a lawsuit."]},"sort":[10.013178,"3687422"]},{"_index":"complaint-public-v1","_id":"12679934","_score":9.808769,"_source":{"product":"Debt collection","complaint_what_happened":"Below is a detailed breakdown of what occurred regarding this debt, how it was mishandled, and howhad the company followed proper proceduresthis situation could have been entirely avoided. The complete lack of communication, validation, and diligence from both XXXX XXXX XXXXXXXX and Collections USA directly led to this inaccurate collection being reported on my credit report, damaging my financial standing and future. \n\nTimeline of Events : XX/XX/XXXX The original {$130.00} charge was created and transferred from Apartment XXXX to my new unit, Apartment XXXX. \nXX/XX/XXXX The charge was marked due in XXXXXXXX XXXX XXXXXXXX XXXX. \nXX/XX/XXXX XX/XX/XXXX No notification was sent by XXXXXXXX XXXX XXXXXXXX about any outstanding balance. I continued to live on the property. \nXX/XX/XXXX The charge was forwarded to Collections USA without any prior notice or attempt to resolve the matter directly with me. \nXX/XX/XXXX XX/XX/XXXX CUSA held the debt without contacting me or sending formal written notice. \nXX/XX/XXXX I received my first phone call from CUSA, coincidentally on the day I moved out of the property. \nXX/XX/XXXX XX/XX/XXXX I received multiple calls from CUSA requesting payment. Each time, I asked for a detailed breakdown of the charge and formal documentation validating the debt. They refused to provide either. \nXX/XX/XXXX I emailed CUSA with proof of payment and documentation from XXXXXXXX XXXX XXXXXXXX showing the charge had been transferred and addressed. \nXX/XX/XXXX I followed up after receiving no response. CUSA never replied or acknowledged my communication. \nXX/XX/XXXX XX/XX/XXXX I received no additional communication from CUSA. \nXX/XX/XXXX I discovered a new derogatory account from Collections USA had been placed on my credit report. \nXX/XX/XXXX I filed a dispute with XXXX, providing documentation that the charge had already been resolved. \nXX/XX/XXXX XXXX forced CUSA to respond, resulting in the first written communication I received from thema generic invoice with no proof of debt. \nXX/XX/XXXX XXXX responded to my dispute by stating the debt was verified as accurate, without requiring supporting documentation from CUSA. \nXX/XX/XXXX I am filing this complaint with the CFPB for failure to validate the debt, failure to notify me, and wrongful reporting that caused significant harm to my credit and financial well-being. \n\nAdditional Details : In XX/XX/XXXX, I clearly informed Collections USA that this matter was not being handled properly. I provided evidence that the charge in question had been transferred to my current apartment, which was fully paid. I also explained that Apartment XXXX had a security deposit on file that exceeded the disputed amount. Additionally, I was charged two separate deposits for my emotional support animalfees which are considered illegal under Fair Housing regulations and were never returned to me. \n\nIf anyone had taken the time to review the original lease, deposit records, or documentation I provided, it would have been immediately evident that the balance should never have been sent to collections. The existence of these deposits alonecombined with my email proof of paymentshould have resolved this matter before it ever impacted my credit. \n\nInstead, Collections USA ignored my emails, refused to provide documentation, and later reported the debt to the credit bureaus without any additional communication. This not only delayed resolution but resulted in a XXXX drop to my credit score, undermining years of work I put into rebuilding my financial standing. \n\n\nKey Facts Supporting My Dispute The charge in question was originally from Apartment XXXX but was transferred to my new unit, Apartment XXXX, in XX/XX/XXXX. \n\nManagement at XXXXXXXX XXXX XXXXXXXX confirmed in writing that I could pay under my new account, and I did. \n\nDespite this, the charge remained on the old apartments ledger for over a year before being automatically sent to collections in XX/XX/XXXX. \n\nI was never notified by XXXXXXXX XXXX XXXXXXXX or Collections USA prior to this collection appearing on my credit report. \n\nXXXX XXXX XXXXXXXX retained multiple deposits, further proving that I did not leave any unpaid balance. \n\nTimeline of Events XX/XX/XXXX Charge created by XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Charge marked due XX/XX/XXXX XX/XX/XXXX No notice of any balance while I continued living there XX/XX/XXXX Charge transferred to Collections USA without my knowledge XX/XX/XXXX XX/XX/XXXX No contact from CUSA XX/XX/XXXX First call from CUSA ( same day I moved out ) XX/XX/XXXX I emailed CUSA with proof the bill had been paid XX/XX/XXXX I followed up again. No response. \nXX/XX/XXXX XX/XX/XXXX No further contact from XXXX XX/XX/XXXX Collection appeared on my credit report XX/XX/XXXX XXXX forced XXXX to send written documentation ( a generic invoice only ) XX/XX/XXXX XXXX closed the dispute with no real investigation XX/XX/XXXX I filed this CFPB complaint and summary Attempts to Resolve the Issue XX/XX/XXXX : I informed CUSA this bill was invalid, already paid, and that I had documentation. \n\n-- Emails : XX/XX/XXXX : Sent proof of payment + email from XXXX XXXX confirming transfer of charge XX/XX/XXXX : Follow-up after no response CUSA ignored both. Never sent a formal notice or validation letter. \nXXXX forced response : I finally received documentation on XXXX generic invoice with no proof. \n\nKey Evidence Supporting My Case XX/XX/XXXX : Email from XXXX XXXX confirms charge was moved from XXXX XXXX to XXXX XXXX XX/XX/XXXX : Email from management confirms XXXX XXXX final balance was only utilities + a {$75.00} door repair XX/XX/XXXX : My email confirms those charges were acknowledged and handled Security Deposit : XXXX XXXX XXXX retained a full security deposit for Apartment XXXX that exceeded the {$130.00} charge Illegal Charges : I was charged two deposits for a registered XXXX XXXX XXXXboth illegal under Fair Housing laws Proof of Payment : Provided directly to CUSA on XX/XX/XXXX This account should have never been created, let alone reported. XXXXXXXX XXXX XXXXXXXX never notified me of a balance, and CUSA never sent a formal letter, never validated the debt, and ignored all of my proof. This situation has cost me time, energy, and financial peace of mind. \nHad either company reviewed their own recordsor even followed basic legal proceduresthis would have been resolved in XX/XX/XXXX. Instead, I was ignored, disrespected, and blindsided by a collection that dropped my credit score by XXXX points despite clear evidence showing the charge had been covered by both my deposit and direct payment.","date_sent_to_company":"2025-03-23T20:57:40.000Z","issue":"False statements or representation","sub_product":"Rental debt","zip_code":"85006","tags":null,"has_narrative":true,"complaint_id":"12679934","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"COLLECTIONS USA, INC.","date_received":"2025-03-23T20:02:28.000Z","state":"AZ","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I also explained that Apartment XXXX had a <em>security</em> deposit on file that exceeded the disputed amount. Additionally, I was charged two separate deposits for my emotional support animalfees which are <em>considered</em> illegal under Fair Housing regulations and <em>were</em> never returned to me. \n\nIf anyone had taken the time to review the original lease, deposit records, or <em>documentation</em> I provided, it would have been immediately evident that the balance should never have been sent to collections."]},"sort":[9.808769,"12679934"]},{"_index":"complaint-public-v1","_id":"20339038","_score":9.573954,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, check # XXXX for {$20000.00} was issued to me by XXXX XXXX as payment for the sale of my personal vehicle. \n\nOn XX/XX/year>, I deposited this check via mobile deposit into my account at Navy Federal Credit Union. Shortly after submitting the deposit, I received an email stating that the mobile deposit had been approved and was being processed, and that the funds would be available within approximately two business days. \n\nOn XX/XX/year>, I received a second notice stating that {$20000.00} of the {$20000.00} deposit would be delayed while the check was processed, and that the funds would likely become available within five business days. At that time there was no indication that the check was fraudulent or invalid. \n\nOn XX/XX/year>, I received an email stating that my account had been restricted due to potentially suspicious activity. I immediately contacted the credit union by phone to understand the situation. \n\nDuring that phone call I was told : the credit union would not accept the check my account would be closed I could do what I wanted with the check. \n\nI specifically asked whether I could take the check to another bank and deposit it there. The representative again told me that I could do what I wanted with the check. \n\nAt no time during this conversation was I informed : that the check was still in the clearing process that funds had already been withdrawn from the issuers account that the item was under investigation that redepositing the check elsewhere could create complications Instead, I was provided with a Security Appeal Form if I wished to challenge the decision to close my account. \n\nBased on the information provided by Navy Federal Credit Union, I reasonably believed the check had simply been rejected and that I was free to deposit it elsewhere. \n\nI subsequently deposited the check into my account at another bank ( XXXX Bank ). XXXX initially accepted the deposit and made the funds pending but available. Based on that availability, I transferred {$20000.00} to my son so he could purchase a vehicle near his duty station at XXXX XXXX. \n\nShortly afterward, the check was returned and my XXXX account became approximately {$20000.00} negative, creating significant financial disruption. \n\nWhen I began investigating the situation, I learned that the check had already been processed elsewhere, which conflicted with what Navy Federal had told me on XX/XX/XXXX. \n\nIn order to clarify the situation, I contacted the issuing bank directly. A branch manager at XXXX Bank confirmed that : the check was valid the check was intentionally written by the account holder the funds were available in the account The issuer of the check also confirmed directly that : he never contacted Navy Federal Credit Union he never reported the check as fraudulent The issuer also provided documentation from his bank statement showing that {$20000.00} had been withdrawn from his account, confirming that the check entered the banking system. \n\nAdditionally, my Navy Federal account statement for the period XX/XX/XXXX through XX/XX/year> shows an ending balance of approximately {$20000.00}, indicating that the funds were recorded within the account during that period despite the account being restricted and later closed. \n\nDespite the verification from the issuing bank and the maker of the check, Navy Federal Credit Union has continued to claim that the check was considered high risk. \n\nThroughout this process, Navy Federal Credit Union has provided multiple conflicting explanations for why the check was not accepted. At different times I was told that : the issuer reported the check as fraud Navy Federal contacted the issuer and confirmed fraud Navy Federal contacted the issuing bank to verify the check However, both the issuer and the issuing bank confirmed that these contacts never occurred and that the check was valid.\n\nAs of today : my Navy Federal account has been closed my account statement shows the {$20000.00} balance during the statement period the issuer has not received the funds back I have not received the funds Navy Federal Credit Union has not provided clear written documentation explaining where the {$20000.00} currently resides or how the check was ultimately processed. \n\nThis situation has caused significant financial harm. My XXXX account became approximately {$20000.00} negative after the returned item, and the funds were intended to help my son purchase a vehicle while he is stationed near XXXX XXXX before his upcoming XXXX. Because of the unresolved situation, he has been left without reliable transportation during the final months before XXXX. \n\nDespite my repeated efforts to cooperate and resolve the matter in good faith, Navy Federal Credit Union has not provided clear answers regarding the disposition of the funds.","date_sent_to_company":"2026-03-17T17:17:43.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"18064","tags":null,"has_narrative":true,"complaint_id":"20339038","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-03-17T17:01:32.000Z","state":"PA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Cashing a check"},"highlight":{"complaint_what_happened":["Additionally, my Navy Federal account statement for the period XX/XX/XXXX through XX/XX/year> shows an ending balance of approximately {$20000.00}, indicating that the funds <em>were</em> recorded within the account during that period despite the account being restricted and later closed. \n\nDespite the verification from the issuing bank and the maker of the check, Navy Federal Credit Union has continued to claim that the check was <em>considered</em> high risk."]},"sort":[9.573954,"20339038"]},{"_index":"complaint-public-v1","_id":"7936687","_score":9.46526,"_source":{"product":"Credit card","complaint_what_happened":"This request is in reference to a transaction with XXXX XXXX posted to my XXXX credit card on XX/XX/XXXX this year. Having attempted to get justice on XXXX previous credit card disputes without the correct resolution, I have to use this method to obtain a truthful and just solution to an extremely sleazy and unlawful attempt to charge me, a Senior citizen ( who has contributed to the forward progress of this country during numerous times of need, although my way of doing it, usually is behind the scenes ) for a service that I never authorized. The transaction with XXXX occured after I had already made XXXX true purchase for a XXXX XXXX XXXX that was {$290.00}. During this real purchase I was required to supply my credit card number and security code thus allowing XXXX to possess this information with a XXXX XXXX intention. During the real transaction process, I became suspicious as although you had to create a username and password there were no instructions as to how and when to use it in relation to the XXXX. In fact I went thru the entire process and even at the end they still never instructed you how to access and proceed to use your pass. This made me think that it was some kinda scam but I figured out you probably had to login under the username and password. Once logged in you still didnt know if they were going to in fact honor what you had paid for. During the process you were never advised of additional charges of XXXX cent plus taxes until you paid for the pass and figured out you should login. After completing the process and booking a single trip for me alone, I decided it would not be fair on this type of trip to not take my wife. I immediately thought that I should purchase another pass for her as my initial thought was its should be more economical. I initiated an additional application and realized prior to supplying the credit card information that it may be cheaper to pay full price for her ticket instead of buying a pass for {$290.00} and the additional XXXX cent plus taxes. I then closed out of the app, erased my cookies and proceeded to research the full price and see if we could get on the same plane. After doing this I noticed that it was in fact cheaper as she was only going on the XXXX trip as the layovers were long and demanding. After this I then went back to the website and purchased a full price ticket for her. My hyphosiss is that I was either hacked or someone in XXXX went into the server and pulled up the incomplete application and filled in the credit card information. In the supporting documentation that was supplied by XXXX I have highlighted areas on page XXXX that shows, Booking closed, payment completed and the amount owed is XXXX ( in XXXX different areas ) As with XXXX XXXX, the other party is easily able to come up with a false answer to justify their argument after the fact since they have had time to think up a counter after I supplied the flaw. Information impactedness comes into play as I have unequal access to their server and the time stamp on my transaction. More details are supplied in the supporting letter to XXXX and highlights in the rejection letter on page XXXX. Please also let me point out that on that same page XXXX of the rejection letter at the very top it says : Invalid dispute. Accepted transaction is also disputed. This tells that I had accepted the XXXX true transaction so why would I open a dispute on something that I already had admitted was true and used during XXXX. The statement is truly biased and is paradoxical. \n\nNo login credentials were created or no transactions were ever attempted on this phantom account although I did in good faith take another trip to XXXX via XXXX XXXX and XXXX on XX/XX/23. If I had gotten another pass, my wife could have gone with me for taxes and XXXX cent. That would have been an offer that I couldnt refuse as she did successfully manage the long layovers because of non direct flights on her full price ticket to XXXX via XXXX in XXXX. Having worked in Customer Service, Claims, including Management at XXXX XXXX companies, it is really hard to believe that no one in Frontier or XXXX ever considered that I might actually be telling the truth and never even realized how unreasonable it would have been for me to pay {$290.00} for a pass plus a full price ticket. To compound the situation, on page XXXX of XXXX rejection letter, in the passengers section it shows that I was already a member. Normally online this would trigger a prompt telling you that you are duplicating a transaction and do you want to continue. No such prompt. Hated to have to go this route, but the people analyzing this seem to not want to accept that this is the truth.","date_sent_to_company":"2023-12-15T13:21:30.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"33613","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"7936687","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-12-01T16:11:20.000Z","state":"FL","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["During this real purchase I was required to supply my credit card number and <em>security</em> code thus allowing XXXX to possess this information with a XXXX XXXX intention. During the real transaction process, I became suspicious as although you had to create a username and password there <em>were</em> no instructions as to how and when to use it in relation to the XXXX. In fact I went thru the entire process and even at the end they still never instructed you how to access and proceed to use your pass."]},"sort":[9.46526,"7936687"]},{"_index":"complaint-public-v1","_id":"12775139","_score":8.279276,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX SSN : * -- XXXX | XXXX : XX/XX/XXXX Date : XX/XX/XXXX Via Certified Mail Return Receipt Requested To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Cc : Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Office of the State Attorney General RE : FINAL NOTICE IMMEDIATE LEGAL ACTION PENDING FOR WILLFUL VIOLATIONS OF THE FCRA, FDCPA, AND MULTIPLE FEDERAL LAWS To the Entire Executive and Legal Leadership of Equifax : You are now officially placed on final legal notice. Your persistent refusal to correct fraudulent, inaccurate, and harmful data on my credit report has escalated beyond gross negligence. It is now willful misconductand it will be addressed in federal court. \n\nYour systemic indifference to federal law has destroyed my financial stability, denied me housing and credit, and inflicted severe emotional and financial damages. Youve ignored my lawful demands and documentation, and now I will hold you personally and professionally accountablein court and under the full scrutiny of federal regulators.\n\nIf Equifax fails to comply with this letters demands within FOUR ( 4 ) BUSINESS DAYS, I will initiate legal action and pursue every available remedy under federal law, including damages, regulatory complaints, and public exposure of your misconduct. \n\n\n\nEQUFAXS VIOLATIONS YOU ARE LEGALLY ACCOUNTABLE : 1. 15 U.S.C. 1681e ( b ) Failure to ensure maximum accuracy. Equifax continues to report patently false and unverifiable information, violating your core statutory obligations.\n\n2. 15 U.S.C. 1681i ( a ) Refusal to investigate disputes in good faith. You failed to reinvestigate despite multiple formal disputes, in blatant violation of the FCRA.\n\n3. 15 U.S.C. 1681c-2 ( Section 605B ) Failure to block fraudulent data after identity theft report. I provided all legally required documentation. You ignored it.\n\n4. 15 U.S.C. 1681b Reporting unauthorized inquiries. Multiple inquiries on my file are fraudulent and have not been removed. \n5. Fair Debt Collection Practices Act ( FDCPA ) Enabling the continued reporting of invalid and unverified debts. This is unlawful and predatory.\n\n6. Consumer Financial Protection Act ( CFPA ) 1036 ( a ) ( 1 ) ( A ) Unfair, deceptive, and abusive acts. Your ongoing behavior is a textbook example of what the CFPA prohibits.\n\n7. Section 5 of the FTC Act Unfair and deceptive commercial practices. You have failed to safeguard personal information and repeatedly misled consumers.\n\nYOUR DOCUMENTED HISTORY OF FAILURE : Equifax Data Breach ( XXXX ) : You exposed over 147 million consumers. You were fined {$700.00} millionyet youve learned nothing. \nXXXX v. Equifax ( XXXX ) : Proven failure to resolve consumer disputes. You were held liable. \nCurrent CFPB Oversight : You are still under investigation for failing to correct false reporting and mishandling disputes. \n\nThese past violations will be used as supporting evidence in my case to prove pattern and intent. \n\n\n\nYOU ARE HEREBY DEMANDED TO COMPLY WITH THE FOLLOWING, IMMEDIATELY : 1. Remove all fraudulent, inaccurate, unverifiable, and disputed accounts.\n\n2. Delete all unauthorized inquiries.\n\n3. Cease and desist from further reporting of all disputed items.\n\n4. Mail a written confirmation with a full explanation of actions taken. No automated or electronic responses will be accepted.\n\nI am again enclosing my : Valid government-issued ID Social Security card Utility bill Any further identity verification requests will be considered an obstruction tactic and will be cited in litigation. \n\n\n\nFRAUDULENT ACCOUNTS TO BE DELETED IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reinserted without consent or notice LEGAL CONSEQUENCES IF IGNORED : If Equifax XXXX to resolve this matter by XX/XX/XXXX, I will immediately file suit and seek : Statutory damages under 15 U.S.C. 1681n Actual damages under 15 U.S.C. 1681o Punitive damages for willful misconduct Injunctive relief and discovery motions All attorneys fees and court costs Regulatory action through the CFPB and FTC Your continued noncompliance will also be used as evidence of a systemic pattern of consumer abusea pattern I intend to expose in court and through the media if necessary. \n\n\n\nFINAL WARNING You have operated with impunity for far too long. You are now being confronted by a consumer who understands their rights, their legal standing, and the federal remedies available. I will not be ignored, delayed, or manipulated. \n\nCorrect this immediatelyor prepare to defend your actions in federal court. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX SSN : * -- XXXX | XXXX : XX/XX/XXXX Enclosures : Drivers License Social Security Card Utility Bill Prior Dispute Records Legal Citations","date_sent_to_company":"2025-04-02T15:07:42.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"53713","tags":null,"has_narrative":true,"complaint_id":"12775139","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-02T15:02:50.000Z","state":"WI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am again enclosing my : Valid government-issued ID Social <em>Security</em> card Utility bill Any further identity verification requests will be <em>considered</em> an obstruction tactic and will be cited in litigation."]},"sort":[8.279276,"12775139"]},{"_index":"complaint-public-v1","_id":"12791333","_score":8.256733,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX SSN : * -- XXXX | XXXX : XX/XX/XXXX Date : XX/XX/XXXX Via Certified Mail Return Receipt Requested To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Cc : Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Office of the State Attorney General RE : FINAL NOTICE IMMEDIATE LEGAL ACTION PENDING FOR WILLFUL VIOLATIONS OF THE FCRA, FDCPA, AND MULTIPLE FEDERAL LAWS To the Entire Executive and Legal Leadership of Equifax : You are now officially placed on final legal notice. Your persistent refusal to correct fraudulent, inaccurate, and harmful data on my credit report has escalated beyond gross negligence. It is now willful misconductand it will be addressed in federal court. \n\nYour systemic indifference to federal law has destroyed my financial stability, denied me housing and credit, and inflicted severe emotional and financial damages. Youve ignored my lawful demands and documentation, and now I will hold you personally and professionally accountablein court and under the full scrutiny of federal regulators.\n\nIf Equifax fails to comply with this letters demands within FOUR ( 4 ) BUSINESS DAYS, I will initiate legal action and pursue every available remedy under federal law, including damages, regulatory complaints, and public exposure of your misconduct. \n\n\n\nEQUFAXS VIOLATIONS YOU ARE LEGALLY ACCOUNTABLE : 1. 15 U.S.C. 1681e ( b ) Failure to ensure maximum accuracy. Equifax continues to report patently false and unverifiable information, violating your core statutory obligations.\n\n2. 15 U.S.C. 1681i ( a ) Refusal to investigate disputes in good faith. You failed to reinvestigate despite multiple formal disputes, in blatant violation of the FCRA.\n\n3. 15 U.S.C. 1681c-2 ( Section 605B ) Failure to block fraudulent data after identity theft report. I provided all legally required documentation. You ignored it.\n\n4. 15 U.S.C. 1681b Reporting unauthorized inquiries. Multiple inquiries on my file are fraudulent and have not been removed. \n5. Fair Debt Collection Practices Act ( FDCPA ) Enabling the continued reporting of invalid and unverified debts. This is unlawful and predatory.\n\n6. Consumer Financial Protection Act ( CFPA ) 1036 ( a ) ( 1 ) ( A ) Unfair, deceptive, and abusive acts. Your ongoing behavior is a textbook example of what the CFPA prohibits.\n\n7. Section 5 of the FTC Act Unfair and deceptive commercial practices. You have failed to safeguard personal information and repeatedly misled consumers.\n\nYOUR DOCUMENTED HISTORY OF FAILURE : Equifax Data Breach ( XXXX ) : You exposed over 147 million consumers. You were fined {$700.00} millionyet youve learned nothing. \nXXXX v. Equifax ( XXXX ) : Proven failure to resolve consumer disputes. You were held liable. \nCurrent CFPB Oversight : You are still under investigation for failing to correct false reporting and mishandling disputes. \n\nThese past violations will be used as supporting evidence in my case to prove pattern and intent. \n\n\n\nYOU ARE HEREBY DEMANDED TO COMPLY WITH THE FOLLOWING, IMMEDIATELY : 1. Remove all fraudulent, inaccurate, unverifiable, and disputed accounts.\n\n2. Delete all unauthorized inquiries.\n\n3. Cease and desist from further reporting of all disputed items.\n\n4. Mail a written confirmation with a full explanation of actions taken. No automated or electronic responses will be accepted.\n\nI am again enclosing my : Valid government-issued ID Social Security card Utility bill Any further identity verification requests will be considered an obstruction tactic and will be cited in litigation. \n\n\n\nFRAUDULENT ACCOUNTS TO BE DELETED IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reinserted without consent or notice LEGAL CONSEQUENCES IF IGNORED : If Equifax XXXX to resolve this matter by XX/XX/XXXX, I will immediately file suit and seek : Statutory damages under 15 U.S.C. 1681n Actual damages under 15 U.S.C. 1681o Punitive damages for willful misconduct Injunctive relief and discovery motions All attorneys fees and court costs Regulatory action through the CFPB and FTC Your continued noncompliance will also be used as evidence of a systemic pattern of consumer abusea pattern I intend to expose in court and through the media if necessary. \n\n\n\nFINAL WARNING You have operated with impunity for far too long. You are now being confronted by a consumer who understands their rights, their legal standing, and the federal remedies available. I will not be ignored, delayed, or manipulated. \n\nCorrect this immediatelyor prepare to defend your actions in federal court. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX SSN : * -- XXXX | XXXX : XX/XX/XXXX Enclosures : Drivers License Social Security Card Utility Bill Prior Dispute Records Legal Citations","date_sent_to_company":"2025-04-02T15:07:41.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"53713","tags":null,"has_narrative":true,"complaint_id":"12791333","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-02T15:07:12.000Z","state":"WI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am again enclosing my : Valid government-issued ID Social <em>Security</em> card Utility bill Any further identity verification requests will be <em>considered</em> an obstruction tactic and will be cited in litigation."]},"sort":[8.256733,"12791333"]},{"_index":"complaint-public-v1","_id":"12768579","_score":8.245819,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX SSN : * -- XXXX | XXXX : XX/XX/XXXX Date : XX/XX/XXXX Via Certified Mail Return Receipt Requested To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Cc : Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Office of the State Attorney General RE : FINAL NOTICE IMMEDIATE LEGAL ACTION PENDING FOR WILLFUL VIOLATIONS OF THE FCRA, FDCPA, AND MULTIPLE FEDERAL LAWS To the Entire Executive and Legal Leadership of Equifax : You are now officially placed on final legal notice. Your persistent refusal to correct fraudulent, inaccurate, and harmful data on my credit report has escalated beyond gross negligence. It is now willful misconductand it will be addressed in federal court. \n\nYour systemic indifference to federal law has destroyed my financial stability, denied me housing and credit, and inflicted severe emotional and financial damages. Youve ignored my lawful demands and documentation, and now I will hold you personally and professionally accountablein court and under the full scrutiny of federal regulators.\n\nIf Equifax fails to comply with this letters demands within FOUR ( 4 ) BUSINESS DAYS, I will initiate legal action and pursue every available remedy under federal law, including damages, regulatory complaints, and public exposure of your misconduct. \n\n\n\nEQUFAXS VIOLATIONS YOU ARE LEGALLY ACCOUNTABLE : 1. 15 U.S.C. 1681e ( b ) Failure to ensure maximum accuracy. Equifax continues to report patently false and unverifiable information, violating your core statutory obligations.\n\n2. 15 U.S.C. 1681i ( a ) Refusal to investigate disputes in good faith. You failed to reinvestigate despite multiple formal disputes, in blatant violation of the FCRA.\n\n3. 15 U.S.C. 1681c-2 ( Section 605B ) Failure to block fraudulent data after identity theft report. I provided all legally required documentation. You ignored it.\n\n4. 15 U.S.C. 1681b Reporting unauthorized inquiries. Multiple inquiries on my file are fraudulent and have not been removed. \n5. Fair Debt Collection Practices Act ( FDCPA ) Enabling the continued reporting of invalid and unverified debts. This is unlawful and predatory.\n\n6. Consumer Financial Protection Act ( CFPA ) 1036 ( a ) ( 1 ) ( A ) Unfair, deceptive, and abusive acts. Your ongoing behavior is a textbook example of what the CFPA prohibits.\n\n7. Section 5 of the FTC Act Unfair and deceptive commercial practices. You have failed to safeguard personal information and repeatedly misled consumers.\n\nYOUR DOCUMENTED HISTORY OF FAILURE : Equifax Data Breach ( XXXX ) : You exposed over 147 million consumers. You were fined {$700.00} millionyet youve learned nothing. \nXXXX v. Equifax ( XXXX ) : Proven failure to resolve consumer disputes. You were held liable. \nCurrent CFPB Oversight : You are still under investigation for failing to correct false reporting and mishandling disputes. \n\nThese past violations will be used as supporting evidence in my case to prove pattern and intent. \n\n\n\nYOU ARE HEREBY DEMANDED TO COMPLY WITH THE FOLLOWING, IMMEDIATELY : 1. Remove all fraudulent, inaccurate, unverifiable, and disputed accounts.\n\n2. Delete all unauthorized inquiries.\n\n3. Cease and desist from further reporting of all disputed items.\n\n4. Mail a written confirmation with a full explanation of actions taken. No automated or electronic responses will be accepted.\n\nI am again enclosing my : Valid government-issued ID Social Security card Utility bill Any further identity verification requests will be considered an obstruction tactic and will be cited in litigation. \n\n\n\nFRAUDULENT ACCOUNTS TO BE DELETED IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reinserted without consent or notice LEGAL CONSEQUENCES IF IGNORED : If Equifax XXXX to resolve this matter by XX/XX/XXXX, I will immediately file suit and seek : Statutory damages under 15 U.S.C. 1681n Actual damages under 15 U.S.C. 1681o Punitive damages for willful misconduct Injunctive relief and discovery motions All attorneys fees and court costs Regulatory action through the CFPB and FTC Your continued noncompliance will also be used as evidence of a systemic pattern of consumer abusea pattern I intend to expose in court and through the media if necessary. \n\n\n\nFINAL WARNING You have operated with impunity for far too long. You are now being confronted by a consumer who understands their rights, their legal standing, and the federal remedies available. I will not be ignored, delayed, or manipulated. \n\nCorrect this immediatelyor prepare to defend your actions in federal court. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX SSN : * -- XXXX | XXXX : XX/XX/XXXX Enclosures : Drivers License Social Security Card Utility Bill Prior Dispute Records Legal Citations","date_sent_to_company":"2025-04-02T15:07:44.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"53713","tags":null,"has_narrative":true,"complaint_id":"12768579","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-02T15:07:12.000Z","state":"WI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am again enclosing my : Valid government-issued ID Social <em>Security</em> card Utility bill Any further identity verification requests will be <em>considered</em> an obstruction tactic and will be cited in litigation."]},"sort":[8.245819,"12768579"]},{"_index":"complaint-public-v1","_id":"19901526","_score":7.882595,"_source":{"product":"Debt collection","complaint_what_happened":"I respectfully submit this response to Navy Federal Credit Unions reply regarding the disputed credit card account. After reviewing their statement, I must firmly reiterate that the account referenced in their response does not belong to me. I did not open, authorize, or use this account. This account is the result of identity theft, and I have taken formal legal steps to document and report the fraud.\n\nNavy Federals response does not resolve the issue. Instead, it repeats internal records without addressing the core issue of unauthorized account opening. The existence of internal documentation does not establish that I personally authorized or benefited from this account.\n\nIdentity Theft Was Properly Reported I filed an Identity Theft Report with the Federal Trade Commission ( FTC ). Filing an FTC report is not a casual action ; it is a formal declaration made under penalty of law. The report documents that I was the victim of identity theft and that this Navy Federal account was opened without my authorization.\n\nThe fact that Navy Federal states their investigation found the claim unsupported does not negate the existence of identity theft. Internal review conclusions are not proof of consumer authorization. They are simply a repetition of data contained within the institutions own records. \n\nIdentity theft frequently involves the misuse of accurate personal identifying information. The presence of correct identifying details such as : Social Security number Date of birth Address Name does not establish that I personally opened the account. It only demonstrates that a perpetrator had access to my personal information.\n\nLack of Evidence of Authorization Navy Federals response states that the account was established on XX/XX/XXXX, and charged off in XX/XX/XXXX. However, the response fails to provide proof that I : Signed an application Completed identity verification in person Authorized any transactions Received or used the credit card Benefited from the account Merely stating that an account was opened and later charged off does not prove that I opened it.\n\nIf Navy Federal intends to maintain that this account is mine, then they must provide actual evidence of authorization, such as : A signed original application IP address logs tied directly to my personal device Video surveillance if opened in person Verified identity confirmation steps used at account origination Without such proof, the claim that I remain responsible is unsupported.\n\nInternal Records Do Not Override Identity Theft Navy Federals statement that they confirmed accurate reporting to the nationwide credit reporting agencies does not address the legitimacy of the account itself. Reporting accuracy is separate from authorization. \n\nIf an account is fraudulently opened and accurately reported as delinquent, it is still fraudulent. \n\nAccuracy of reporting does not cure fraudulent origin. \n\nThe central issue is not whether the account charged off. The issue is whether I opened it. I did not. \n\nBurden of Proof The burden of proof should not fall on a victim of identity theft to prove they did not open an account. The burden must fall on the institution asserting that a valid contract exists.\n\nIf Navy Federal claims I entered into a contractual agreement, then they must demonstrate : Offer Acceptance Consideration Mutual assent Identity theft eliminates mutual assent.\n\nFailure to Recognize FTC Identity Theft Report An FTC Identity Theft Report is a legally recognized document. I filed one because this account is not mine.\n\nNavy Federals response does not acknowledge the weight of this documentation. Instead, they state their investigation found the claim unsupported. That conclusion appears to be based solely on internal file review rather than independent verification of authorization. \n\nA proper fraud investigation requires more than confirming data matches.\n\nHarm Caused by Continued Reporting The continued reporting of this fraudulent account has caused significant harm, including : Negative impact to my credit score Damage to my financial reputation Increased difficulty obtaining credit Emotional distress Time and expense addressing disputes This harm continues as long as the account remains on my credit file.\n\nThe Account Was Not Mine To be clear : I did not apply for a Navy Federal credit card in XX/XX/XXXX. \n\nI did not authorize any transactions. \n\nI did not make purchases on this account. \n\nI did not agree to repayment terms. \n\nI did not receive statements or bills for legitimate use. \n\nAny alleged documentation was created using my stolen personal information.\n\nRepeated Disputes Show Ongoing Fraud The fact that this matter has been disputed multiple times does not make it invalid. It demonstrates persistence in correcting an inaccuracy.\n\nFraud does not become legitimate simply because it has been disputed before.\n\nIf a fraudulent account remains on a credit report, the consumer has every right to continue disputing it until it is removed.\n\nRequested Fair Resolution A fair resolution requires the following : Immediate and permanent deletion of the Navy Federal credit card tradeline from all credit reporting agencies. \n\nRemoval of all late payments, charge-off status, and derogatory remarks. \n\nCancellation of any alleged outstanding balance.\n\nWritten confirmation that I am not financially responsible for this account.\n\nPrevention of reinsertion of this account in the future.\n\nNotification to all credit bureaus that the account was the result of identity theft.\n\nInadequacy of Navy Federals Investigation Navy Federals response references an investigation completed on XX/XX/XXXX. However, the response does not explain : What specific documents were reviewed What fraud indicators were considered Whether forensic identity review was conducted Whether signature verification was performed Whether device fingerprinting was analyzed Simply stating that no credible evidence of fraud was found does not explain how that determination was reached.\n\nTransparency is required in identity theft investigations.\n\nCharge-Off Status Does Not Prove Ownership The fact that the account charged off in XX/XX/XXXX does not prove that I was the borrower. \n\nFraudulent accounts frequently charge off when perpetrators abandon them. \n\nCharge-off is evidence of nonpaymentnot evidence of consent. \n\nContractual Validity Requires Consent For a retail credit agreement to be valid, consent must exist. \n\nIdentity theft eliminates consent. \n\nWithout consent, no valid contract exists.\n\nWithout a valid contract, no enforceable debt exists.\n\nWithout enforceable debt, no lawful basis exists for continued reporting.\n\nContinued Reporting After Notice Navy Federal was placed on notice that the account was fraudulent when I filed disputes and submitted an identity theft report.\n\nContinuing to report after receiving notice of identity theft increases harm and demonstrates failure to properly resolve the matter. \n\nGood Faith Cooperation I have acted in good faith by : Filing an FTC Identity Theft Report Submitting disputes Cooperating with credit bureaus Responding to requests for documentation I am not refusing to pay a legitimate debt. I am refusing responsibility for a debt that is not mine.\n\nConclusion Navy Federal Credit Unions response does not resolve the issue. It reiterates internal records without providing proof of authorization.\n\nThe account was opened fraudulently. I filed an FTC Identity Theft Report. I have consistently denied ownership.\n\nA fair resolution requires deletion of the account and written confirmation of non-responsibility.\n\nUntil that occurs, the matter remains unresolved.\n\nI respectfully request that Navy Federal conduct a thorough, transparent fraud investigation focused on authorizationnot internal data repetitionand permanently remove this account from my credit file.","date_sent_to_company":"2026-03-02T18:47:54.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"33161","tags":null,"has_narrative":true,"complaint_id":"19901526","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-03-02T18:37:37.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Sued you in a state where you do not live or did not sign for the debt"},"highlight":{"complaint_what_happened":["However, the response does not explain : What specific documents <em>were</em> reviewed What fraud indicators <em>were</em> <em>considered</em> Whether forensic identity review was conducted Whether signature verification was performed Whether device fingerprinting was analyzed Simply stating that no credible evidence of fraud was found does not explain how that determination was reached.\n\nTransparency is required in identity theft investigations."]},"sort":[7.882595,"19901526"]},{"_index":"complaint-public-v1","_id":"15477922","_score":7.7236633,"_source":{"product":"Checking or savings account","complaint_what_happened":"This is a copy of the letter sent XX/XX/XXXX to capital one in regards to the extensive and continued communication in denial of access to my funds that hold no restrictions in a checking account maintained by them. Furthermore, been transferred to the long-standing savings account and they denied all transactions from that account furthermore. \n\nXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Phone : ( XXXX ) XXXX Email : [ XXXX ] ( XXXX : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Via Certified Mail, Fax, and Email XXXX XXXX  Capital One Bank, XXXX. \nAttn : Legal Department / XXXX Offices XXXX Capital XXXX XXXX XXXX, VA XXXX Fax : XXXX | Fax : XXXX | Fax : XXXX Email : [ XXXX ] ( XXXX : XXXX ) XXXX XXXX XXXXe : Final Demand for Immediate Release of Funds Capital One 360 Checking Account Ending in XXXX * * To Whom It XXXX Concern : This letter serves as a * * final demand * * regarding Capital Ones unlawful denial of my access to funds deposited into my * * Capital One 360 Checking Account ending in XXXX * *. \n\n# # # Factual Background : * * * XX/XX/XXXX * * XXXX issued me a check for the sale of my XXXX XXXX ES XXXX, which I deposited into my Fidelity Investments account. \n* * * XX/XX/XXXX * * XXXX XXXX confirmed and released payment of that check. \n* * * XX/XX/XXXX * * XXXX wrongfully reversed the payment back to XXXX XXXX, claiming the check was invalid. XXXX confirmed this was false, placed a stop on the check, and agreed to pay me via ACH or wire. \n* * * XX/XX/XXXX * * XXXX wired * * \\ {$20000.00} * * to my newly opened Capital One 360 Checking Account ending in XXXX. I also hold a long-standing Capital One 360 XXXX Account. \n* * * August 1823, 2025 * * Despite Capital One policy that * * wired funds are available within XXXX ( XXXX ) business day * *, I have been denied all access to my funds. Wire transfers, XXXX transfers, certified checks, debit card transactions, and even small purchases ( e.g., \\ {$6.00} XXXX fare ) have all been declined. \n* * * XX/XX/XXXX * * After at least XXXX phone calls with Capital One ( all recorded ), my debit card daily spending limit was raised first to \\ {$5000.00}, then to \\ {$12000.00}, and finally to \\ {$25000.00}, specifically so I could complete a * * vehicle purchase * *. I explained the urgency of this transaction, and Capital One expressly acknowledged it. \n* That same day, I successfully purchased * * \\ {$5000.00} in money orders * *, which I immediately * * handwrote to the seller * * of the vehicle. However, further transactions were declined, despite XXXX Ones assurances that my card limit was raised for this purpose. \n* * * XX/XX/XXXX * * I spoke with XXXX XXXX, who reviewed my account and confirmed : * My debit card limit remained at \\ {$25000.00}. \n* No security holds or restrictions were in place. \n* All identity verifications had been satisfied. \nDespite this, every attempted transaction on XX/XX/XXXX was declined. As a result, I now hold \\ {$5000.00} in money orders already made out to the seller, but I can not complete the \\ {$12000.00} total purchase. \n\n# # # XXXX XXXX : XXXX Ones refusal to release my funds has caused, and continues to cause, * * severe and irreparable harm * *, including but not limited to : XXXX. Inability to pay * * XXXX rent * *, with eviction scheduled for * * XX/XX/XXXX * *. \nXXXX. Inability to pay * * court-ordered attorneys fees * *, risking * * incarceration * *. \nXXXX. Loss of ability to purchase a replacement vehicle, leaving me without transportation since * * XX/XX/XXXX * *. \nXXXX. Direct damages in connection with the vehicle purchase, as I have already provided the seller with \\ {$5000.00} in money orders but can not provide the balance due. \nXXXX. Loss of a pending job opportunity due to lack of transportation. \nXXXX. Inability to meet basic survival needs, forcing me to rely on family for food and essentials. \n\nYour representatives repeated advisements to wait XXXX hours are not an acceptable solution. These delays have persisted for several days, despite your own confirmation that there are no holds or restrictions on my account. Capital One has verified my identity multiple times, including drivers license uploads and phone-based verification. * * There is no legitimate basis to continue denying my access to funds. * * # # # Legal Position : * * * Federal Reserve regulations * * require immediate availability of domestic wire transfers upon acceptance by the receiving bank. \n* XXXX Ones * * own policies * * confirm that wired funds are available within XXXX business day for both new and existing clients. \n* By refusing access, Capital One is engaged in * * conversion, breach of contract, and bad-faith banking practices * *, causing foreseeable damages. \n\n# # # Demand : I hereby demand : XXXX. * * XXXX restoration of full access to all funds in my account * *, including unrestricted debit card access up to the \\ {$25000.00} daily limit; * * or * * XXXX. If access is not immediately restored, Capital One must issue a * * certified cashiers check * * for the full balance of my accounts ( not less than * * \\ {$15000.00} * * ) and ensure * * FedEx delivery to my home address by XXXX AM EST on Monday, XX/XX/XXXX * *. \n\nThis demand is * * urgent and must be honored immediately upon receipt * * of this letter. If Capital One chooses to retaliate by closing my accounts rather than taking corrective action, you remain fully obligated to release and deliver sufficient funds to cover the outstanding balance for my vehicle purchase on XX/XX/XXXX, in addition to the full balance owed to me. Closing my accounts will not excuse compliance with this demand. \n\n# # # Notice of Legal Action : If Capital One fails to comply, I will file suit in the * * XXXX XXXX XXXX for XXXX XXXX XXXX XXXX North Carolina * * on XX/XX/XXXX, seeking injunctive relief, full damages ( including consequential and punitive damages ), and recovery of attorneys fees. \n\nA complaint has already been filed with the * * Consumer Financial Protection Bureau ( CFPB ) * *, and further complaints will be filed with all appropriate regulatory and oversight agencies. \n\nCapital One is fully aware of the urgency of this matter and the devastating impact of its unlawful conduct. This is your * * final opportunity * * to resolve this voluntarily. \n\nRespectfully, XXXX XXXX funds were received in the amount of {$20000.00} from XXXX XXXX Bank through a wire and were received from XXXX for sale of XXXX XXXX ES XXXX. Provide those were received approximately XX/XX/XXXX and per XXXX policy wired funds are fully accessible and released to new and existing clients with a new client considered being with them for 30 days or less, and those funds are fully released within XXXX business day, therefore all funds that were deposited were fully my money and released to me. XXXX has had a savings account in my name for several years and theres never been any issues whatsoever. Upon selling the vehicle to XXXX a paper check was given that was deposited to XXXX XXXX where I maintained an account and was mailed to them and deposited by them XX/XX/XXXX. On XXXX. XXXX XXXX XXXX XXXX Bank paid the funds for that check and they were received by XXXX. This information was confirmed by XXXX in regards to their check. On XX/XX/XXXX XXXX bank reverse the funds back to XXXX XXXX and upon inquiry to them on why the funds were removed from my account. I was advised they were sending the check back to me and that the check was invalid, which was not true and they reverse the funds back and denied it however, I have not received that check back at this point and was advised I would get it in XXXX days. carvana was contacted XX/XX/XXXX and agreed to a XXXX transaction. They confirmed with XXXX XXXX details that the check funds were released the XXXX and reversed back by XXXX and they placed a stop on the check. After several days with XXXX of dispute regarding the XXXX deposit and their demands to do a wire deposit only which is not in accordance to their policy or the agreement that was made a account was opened with capital one bank where I helped a savings account for a XXXX checking account. The funds were immediately wired by XXXX to capital one bank and received approximately XXXX XX/XX/XXXX. Upon receiving the funds, I was denied access to the funds by capital one and they denied allow me access to do a wire transfer, and XXXX transfer, certified check, and provided that due to a phone number. Update that I was denied these things on the new account. Upon providing that I would transfer the funds to the savings account that was long-standing the savings account furthermore denied any access or ability to those funds, providing the same things leading to extensive conversation and one providing that there was nothing they could do for me. A debit card was in the process of being sent and I demanded this be expedited and this was received on XX/XX/XXXX. Upon receiving the card multiple transactions were attempted and fully denied. After contacting capital one on XX/XX/XXXX and requesting that I have my daily XXXX debit card limit raised to XXXX and then I was purchasing a used vehicle as I had been without a vehicle since XX/XX/XXXX when I sold my car to Carvana and due to all of the issues that presented with cashing of the check, I was paid and deposit of funds. It prohibited me from any money, forcing my family to support me, but furthermore, my inability to pay rent, my inability to pay ordered attorney fees that are going to place me in contempt and incarcerate me, eviction XX/XX/XXXX as my XXXX rent has not been paid yet and past due with extensive late fees, inability to survive and pay any funds that are due. After the amount was raised by capital one on XX/XX/XXXX the transactions all continue to be denied and I was not able to use cash app, XXXX, XXXX XXXX, do any money transfers through XXXX XXXX or XXXX, even a XXXX was denied with the low amount of {$6.00}. After your continued conversation of at least XXXX phone calls XX/XX/XXXX with capital one which of all been recorded they raised my credit limit on the debit card to XXXX which is their XXXX amount and I was able to transact XXXX in money orders which I purchased to purchase the vehicle and a person drove XXXX hour with the car as there was full understanding I would be able to gain all the money to purchase the vehicle however after the XXXX at Food Lion on XX/XX/XXXX it declined and continue declining any further transactions. I was advised by their management team, which was recorded again that at midnight their accounts would reset, and that there was no security matters and that after speaking extensively with their security team, the day prior that there was exclusions, listed on my account to stop any fraudulent, concerns and strong documentation in regards to the issues, the multiple attempts, and the needs an access to my funds which I fully own. on XX/XX/XXXX I attempted to make a small transaction with the debit card and was denied, I attempted to use money platform, cash app and XXXX XXXX and was denied. I contacted capital one prior to walking to XXXX to gain further money orders as I plan to purchase the vehicle today and they continue to leave the raised credit limit at XXXX allow me to do so as they were well aware of these needs. I provided to the assistant who transfer me to XXXX XXXX of all matters included and she reviewed the account in all notes. She told me that my credit limit was remaining at XXXX and that no security holds or locks were on my account is these denials were providing me to contact capital one and occurring. I advised her that there is issues in that. I understand that they have not placed any hold on my account, they have raised my daily limit to XXXX however, when I attempt any transaction, it provides for security reasons that the account is locked or unable to process and that I can not use my account debit card or make any transaction or access any of my money and was told theres nothing I could do and that I could wait XXXX hours again which I was told the day prior but told again to wait XXXX more hours to access any of my money which is not an acceptable solution and theres no security matters at hand, causing them to prohibit me usage of my accounts. On XX/XX/XXXX on XXXX different times ID of my drivers license was done for their identification purposes and they have strong confirmation. Furthermore with their system recognize my phone number and linking to me who I am. They are prohibiting me access to any of my money. I provided to her that I will lose the job offer I have, I have not paid my rent and going to be evicted, going to be incarcerated for not paying attorney fees and have no food or ability to survive and that my only money and all money I have is with them and I can not access any of it and furthermore that I own this money and they are not allowing me access to my money and that is illegal. She provided that was being recorded in conversation and they would keep this in their records and for the more document and theres nothing further to be done. At this point, theyve denied me access to any of my money, denied taking proper action and have full knowledge and awareness that I can not access any funds and have done nothing about it. this needs to be pursued, as I am facing irreversible harm and damages, and being denied access to my money that I fully own and they have no holds on them illegally. A complaint is being filed with the consumer protection financial in regards to capital one in their conduct and there is desire to pursue if I do not have immediate access on XX/XX/XXXX to all of my funds to which I am entitled and own and in that legal filing responsibility to them for unpaid rent and eviction, loss of employment and inability to work, no vehicle and inability to obtain a vehicle as they are aware that I was attempting to do, no ability to pay attorney fees and incarceration for at least 30 days in XXXX XXXX North Carolina and threats of my accounts continue to be locked due to my expression of proceeding legally for their conduct and failure to allow me access to my money. The phone conversations have been extensive and communication very extensive with false providing of access to my accounts and that there are no issues or actions on their part prohibiting me from access even though XXXX being denied and they are fully aware of it and taking no action to correct this. These matters potentially could be escalating from XXXX Bank, who did not accept my check and falsely provided it as invalid and furthermore closed my account for no reason potentially placing warnings under my name linked to my Social Security number now prohibiting me from properly banking with any other bank and access to my money. There is over {$15000.00} in the account currently that XXXX being denied access to that is fully owned by me. The matter has escalated in their team and they are taking no action. A letter of demand was filed and faxed to them with confirmation on XX/XX/XXXX, providing that I immediately receive the expedite debit card by XX/XX/XXXX and access to my phone without restrictions and that there would be legal actions pursuit if not which they did proceed to provide a debit card XX/XX/XXXX and it was received to be a XXXX however since receiving that Ive been limited or declined or locked out of my accounts and access to my money. if there is not immediate access to my funds by XX/XX/XXXX, regardless of it being a weekend as they have staff fully able to help and properly fix these issues and they have confirmed this and furthermore, this has nothing to do with anyone outside of capital one and lastly they have already provided to me that theres no restrictions or locks on my account with this being said if I dont have access to my funds immediately as they have set my limit to XXXX on the debit card and my transactions continue to decline that my funds need to be immediately provided to me from these accounts in full and that money must be received by XXXX AM on Monday, XX/XX/XXXX and failure to do so will proceed with legal filings immediately on XX/XX/XXXX. Provided XX/XX/XXXX a complaint has been filed with the consumer financial protection in regards to their conduct, and I have extensively communicated and been extremely patient and understanding of money that I own and that they are denying the access to and instead suggesting that they are not, and theres no restrictions however I am being provided. There is restrictions through every attempt I make, and the impact this is having in my life. Provide that I have received legal assistance and guidance with this matter and their failure to comply and release my funds to me immediately through usage of my debit card ending in XXXX will escalate to demand for all money in my accounts that I fully own, and if they have no ability to hold any restrictions on as they were received through a wire and for any new customer which is less than 30 days for an account they are allowed full access to release of funds in XXXX business day therefore wondering this money fully owned by me and then having no control to suggest or interfere with. They opened this account for Me upon applying for it without restriction and imposing any restriction at this point or basing any actions upon XXXX bank and issues caused by XXXX and their check and theyre closing my account or furthermore, the multiple and extensive attempts to gain access of money through different platforms that they were on the phone and advised me to do not be held against me and that would be retaliation.","date_sent_to_company":"2025-08-23T18:27:06.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"27215","tags":null,"has_narrative":true,"complaint_id":"15477922","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-08-23T18:05:00.000Z","state":"NC","company_public_response":null,"sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["She told me that my credit limit was remaining at XXXX and that no <em>security</em> holds or locks <em>were</em> on my account is these denials <em>were</em> providing me to contact capital one and occurring. I advised her that there is issues in that."]},"sort":[7.7236633,"15477922"]},{"_index":"complaint-public-v1","_id":"6380414","_score":7.7028475,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX, Transunion, and XXXX violated my rights and privacy and disregarded the fact that I'm a federally protected consumer and according to the 16 CFR 422 1-3 states any holder has the right to assert their rights and Per the FCRA as a federally protected consumer I am now opting out of any and all authorization. I the consumer may have given you written, unwritten verbal, nonverbal per 15 USC 6802. A charged off account is considered a certificate of indebtness which means income and income according to the IRS publication income has to be filed on my taxes and not reported to my credit report. Im now rescinding under the XXXX Privacy Act and Transunion has violated my rights and taken criminal action by reporting unlawful and invalid activities by reporting transaction history which is unlawful under 16 CFR 313.7 also XXXX and Transunion disregarded my privacy and rights as a federally protected consumer to gain profit. Therefore, the charged off XXXX account I am asking this to be blocked and removed immediately as set by law, also according to 15 USC 1666 b late payments shouldnt be reported as well, not to mention the violations of the Security and Exchanged Act. I would like the original documentary evidence that I owe this debt and have it forwarded to me and all relevant documents with proof, as well as the method used to verify that this account is accurate including name, address, and telephone number. Please do not merely contact the company electronically without a copy of this letter and all relevant enclosures and I'm not asking for an e-oscar report. I also will require for purpose of discovery that all information from Creditor/Collection Agency be signed in ink by the officer of the company with the corporate seal or a notarized copy along with full direct contact information for this officer and if Transunion, XXXX, and XXXX don't provide me documentation that in fact I authorized any of these accounts I want them removed asap and all three credit bureaus have 4 days to remove it by law. Transunion, XXXX, and XXXX already have me as a victim of identity theft and they had it in their system as well, it's also on my credit reports. Credit alerts and monitoring services was also added to my profile. Im requesting Billing error status under 15 USC 1666A and while my account is in billing error status a company cant do adverse actions, threaten, report late or report delinquent on an account. I want the following accounts below blocked from my report and deleted immediately today! not 15-30 days from now, theres no need to investigate when I clearly stated the laws that federally protects consumers When their rights and privacy are violated. These items can be removed immediately just by putting in the code for deletion, when Im stating the very consumer federal laws and Acts based off the FTC pursuant to section 605B. These creditors along with the credit bureaus and third-party companies have shared and sold my information for interest and securities, and that put me in a lot of hardship and depression filled with heart ache, humiliation, and suffering and pain being a single father of 3 kids, and having to experience the wrong doing and unlawful acts of these items being placed on my credit report hindering me from getting a home and the vehicle for us, because of the wrongful, inaccurate and illegal reportings. Things went downhill from there and truthfully and I should have been a part of the class action law suit for XXXX XXXX XXXX because they were doing shady, unethical and illegal things. I just recently hired a law firm enforcing consumer right under the FCRA Fair Credit Reporting Act. 15 USC 1681et seq. One my behalf to seek all possible Remedies and damages associated with the Fair Credit Reporting Act laws. Please note that your credit reporting agency is now subject to federal consumer financial laws. Including among others, the FCRA and title X of the Dodd- Frank Act, and related regulations a ban on Abusive Acts or Practices { section 1031 of the Dodd - Frank Act } } By the way the address on my credit report is incorrect and its an nonmailable address. My address XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX and this is the only address I been at over 15 years and please make this update on my report and delete the other nonmailable address. The following accounts below I want removed asap : ALL THREE ACCOUNTS on Transunion XXXX XXXX Block, optout, and Delete ALL Three accounts referencing the consumer laws and Acts I stated above that based on numerous violations and unlawful criminal activity that was done to me and my credibility XXXX NEVER LATE FOR XXXX Based on 15 USC 1666B. Billing error & Electronic Transfer Act and want removed from Transunion and XXXX XXXX -- - Block, optout, and delete this account referencing the consumer laws and Acts I stated above that based on numerous violations and unlawful criminal activity that was done to me and my credibility and want removed from Transunion, XXXX. and XXXX and I want it removed as well because of the violation of my rights and privacy according to many of the federal laws I stated above that all three credit bureaus and more third party companies have broken and Transunion, XXXX, and XXXX are securitizing my data and every other consumer as well yet refuse to provide a copy of my file when I'm an investor in their companies by my information being sold as securities and I wanted to be compensated for the unlawful reporting and the pain, humiliation and suffering I been through being a single father trying to purchase a home at the time and the repossession of my truck has put me in financial struggles and unbearable hardship because of this criminal activity and sinister acts I would like compensation from all companies. \n\n\nHard Inquiries : Please Delete all inquiries below based on 15 USC Permissible Purposes US DEPT. OF EDUCATIONXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2022-12-30T09:39:22.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"29803","tags":null,"has_narrative":true,"complaint_id":"6380414","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-12-30T09:17:32.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["A charged off account is <em>considered</em> a certificate of indebtness which means income and income according to the IRS publication income has to be filed on my taxes and not reported to my credit report."]},"sort":[7.7028475,"6380414"]},{"_index":"complaint-public-v1","_id":"6380623","_score":7.700248,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX, XXXX, and Equifax violated my rights and privacy and disregarded the fact that I'm a federally protected consumer and according to the 16 CFR 422 1-3 states any holder has the right to assert their rights and Per the FCRA as a federally protected consumer I am now opting out of any and all authorization. I the consumer may have given you written, unwritten verbal, nonverbal per 15 USC 6802. A charged off account is considered a certificate of indebtness which means income and income according to the IRS publication income has to be filed on my taxes and not reported to my credit report. Im now rescinding under the 1974 Privacy Act and XXXX has violated my rights and taken criminal action by reporting unlawful and invalid activities by reporting transaction history which is unlawful under 16 CFR 313.7 also XXXX and XXXX disregarded my privacy and rights as a federally protected consumer to gain profit. Therefore, the charged off XXXX account I am asking this to be blocked and removed immediately as set by law, also according to 15 USC 1666 b late payments shouldnt be reported as well, not to mention the violations of the Security and Exchanged Act. I would like the original documentary evidence that I owe this debt and have it forwarded to me and all relevant documents with proof, as well as the method used to verify that this account is accurate including name, address, and telephone number. Please do not merely contact the company electronically without a copy of this letter and all relevant enclosures and I'm not asking for an XXXX report. I also will require for purpose of discovery that all information from Creditor/Collection Agency be signed in ink by the officer of the company with the corporate seal or a notarized copy along with full direct contact information for this officer and if XXXX, XXXX, and Equifax don't provide me documentation that in fact I authorized any of these accounts I want them removed asap and all XXXX credit bureaus have XXXX days to remove it by law. XXXX, XXXX, and Equifax already have me as a victim of identity theft and they had it in their system as well, it's also on my credit reports. Credit alerts and monitoring services was also added to my profile. Im requesting Billing error status under 15 USC 1666A and while my account is in billing error status a company cant do adverse actions, threaten, report late or report delinquent on an account. I want the following accounts below blocked from my report and deleted immediately today! not XXXX days from now, theres no need to investigate when I clearly stated the laws that federally protects consumers When their rights and privacy are violated. These items can be removed immediately just by putting in the code for deletion, when Im stating the very consumer federal laws and Acts based off the FTC pursuant to section 605B. These creditors along with the credit bureaus and XXXX-party companies have shared and sold my information for interest and securities, and that put me in a lot of hardship and depression filled with heart ache, humiliation, and suffering and pain being a single father of XXXX kids, and having to experience the wrong doing and unlawful acts of these items being placed on my credit report hindering me from getting a home and the vehicle for us, because of the wrongful, inaccurate and illegal reportings. Things went downhill from there and truthfully and I should have been a part of the class action law suit for XXXX XXXX XXXX because they were doing shady, unethical and illegal things. I just recently hired a law firm enforcing consumer right under the FCRA Fair Credit Reporting Act. 15 USC 1681et seq. XXXX my behalf to seek all possible Remedies and damages associated with the Fair Credit Reporting Act laws. Please note that your credit reporting agency is now subject to federal consumer financial laws. Including among others, the FCRA and title X of the Dodd- Frank Act, and related regulations a ban on Abusive Acts or Practices { section 1031 of the Dodd - Frank Act } } By the way the address on my credit report is incorrect and its an nonmailable address. My address XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX and this is the only address I been at over 15 years and please make this update on my report and delete the other nonmailable address. The following accounts below I want removed asap : ALL XXXX ACCOUNTS on XXXX XXXX XXXX Block, optout, and Delete ALL XXXX accounts referencing the consumer laws and Acts I stated above that based on numerous violations and unlawful criminal activity that was done to me and my credibility XXXX NEVER LATE FOR XXXX Based on 15 USC 1666B. Billing error & Electronic Transfer Act and want removed from XXXX and XXXX XXXX -- - Block, optout, and delete this account referencing the consumer laws and Acts I stated above that based on numerous violations and unlawful criminal activity that was done to me and my credibility and want removed from XXXX, XXXX. and Equifax and I want it removed as well because of the violation of my rights and privacy according to many of the federal laws I stated above that all XXXX credit bureaus and more XXXX party companies have broken and XXXX, Equifax, and XXXX are securitizing my data and every other consumer as well yet refuse to provide a copy of my file when I'm an investor in their companies by my information being sold as securities and I wanted to be compensated for the unlawful reporting and the pain, humiliation and suffering I been through being a single father trying to purchase a home at the time and the repossession of my truck has put me in financial struggles and unbearable hardship because of this criminal activity and sinister acts I would like compensation from all companies. \n\n\nHard Inquiries : Please Delete all inquiries below based on 15 USC Permissible Purposes US DEPT. OF EDUCATIONXXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXX","date_sent_to_company":"2022-12-30T09:39:37.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"29803","tags":null,"has_narrative":true,"complaint_id":"6380623","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-12-30T09:39:29.000Z","state":"SC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["A charged off account is <em>considered</em> a certificate of indebtness which means income and income according to the IRS publication income has to be filed on my taxes and not reported to my credit report."]},"sort":[7.700248,"6380623"]},{"_index":"complaint-public-v1","_id":"6380622","_score":7.700248,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian, XXXX, and XXXX violated my rights and privacy and disregarded the fact that I'm a federally protected consumer and according to the 16 CFR 422 1-3 states any holder has the right to assert their rights and Per the FCRA as a federally protected consumer I am now opting out of any and all authorization. I the consumer may have given you written, unwritten verbal, nonverbal per 15 USC 6802. A charged off account is considered a certificate of indebtness which means income and income according to the IRS publication income has to be filed on my taxes and not reported to my credit report. Im now rescinding under the 1974 Privacy Act and XXXX has violated my rights and taken criminal action by reporting unlawful and invalid activities by reporting transaction history which is unlawful under 16 CFR 313.7 also XXXX and XXXX disregarded my privacy and rights as a federally protected consumer to gain profit. Therefore, the charged off XXXX account I am asking this to be blocked and removed immediately as set by law, also according to 15 USC 1666 b late payments shouldnt be reported as well, not to mention the violations of the Security and Exchanged Act. I would like the original documentary evidence that I owe this debt and have it forwarded to me and all relevant documents with proof, as well as the method used to verify that this account is accurate including name, address, and telephone number. Please do not merely contact the company electronically without a copy of this letter and all relevant enclosures and I'm not asking for an XXXX report. I also will require for purpose of discovery that all information from Creditor/Collection Agency be signed in ink by the officer of the company with the corporate seal or a notarized copy along with full direct contact information for this officer and if XXXX, Experian, and XXXX don't provide me documentation that in fact I authorized any of these accounts I want them removed asap and all XXXX credit bureaus have XXXX days to remove it by law. XXXX, Experian, and XXXX already have me as a victim of identity theft and they had it in their system as well, it's also on my credit reports. Credit alerts and monitoring services was also added to my profile. Im requesting Billing error status under 15 USC 1666A and while my account is in billing error status a company cant do adverse actions, threaten, report late or report delinquent on an account. I want the following accounts below blocked from my report and deleted immediately today! not XXXX days from now, theres no need to investigate when I clearly stated the laws that federally protects consumers When their rights and privacy are violated. These items can be removed immediately just by putting in the code for deletion, when Im stating the very consumer federal laws and Acts based off the FTC pursuant to section 605B. These creditors along with the credit bureaus and XXXX-party companies have shared and sold my information for interest and securities, and that put me in a lot of hardship and depression filled with heart ache, humiliation, and suffering and pain being a single father of XXXX kids, and having to experience the wrong doing and unlawful acts of these items being placed on my credit report hindering me from getting a home and the vehicle for us, because of the wrongful, inaccurate and illegal reportings. Things went downhill from there and truthfully and I should have been a part of the class action law suit for XXXX XXXX XXXX because they were doing shady, unethical and illegal things. I just recently hired a law firm enforcing consumer right under the FCRA Fair Credit Reporting Act. 15 USC 1681et seq. XXXX my behalf to seek all possible Remedies and damages associated with the Fair Credit Reporting Act laws. Please note that your credit reporting agency is now subject to federal consumer financial laws. Including among others, the FCRA and title X of the Dodd- Frank Act, and related regulations a ban on Abusive Acts or Practices { section 1031 of the Dodd - Frank Act } } By the way the address on my credit report is incorrect and its an nonmailable address. My address XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX and this is the only address I been at over 15 years and please make this update on my report and delete the other nonmailable address. The following accounts below I want removed asap : ALL XXXX ACCOUNTS on XXXX XXXX XXXX Block, optout, and Delete ALL Three accounts referencing the consumer laws and Acts I stated above that based on numerous violations and unlawful criminal activity that was done to me and my credibility XXXX NEVER LATE FOR XXXX Based on 15 USC 1666B. Billing error & Electronic Transfer Act and want removed from XXXX and Experian XXXX -- - Block, optout, and delete this account referencing the consumer laws and Acts I stated above that based on numerous violations and unlawful criminal activity that was done to me and my credibility and want removed from XXXX, Experian. and XXXX and I want it removed as well because of the violation of my rights and privacy according to many of the federal laws I stated above that all XXXX credit bureaus and more XXXX party companies have broken and XXXX, XXXX, and Experian are securitizing my data and every other consumer as well yet refuse to provide a copy of my file when I'm an investor in their companies by my information being sold as securities and I wanted to be compensated for the unlawful reporting and the pain, humiliation and suffering I been through being a single father trying to purchase a home at the time and the repossession of my truck has put me in financial struggles and unbearable hardship because of this criminal activity and sinister acts I would like compensation from all companies. \n\n\nHard Inquiries : Please Delete all inquiries below based on 15 USC Permissible Purposes US DEPT. 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