{"took":123,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":16,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"18303833","_score":23.46664,"_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":["On XX/XX/XXXX, I called Equifax at ( XXXX ) XXXX to obtain clarification regarding the status of multiple open <em>disputes</em>. 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 <em>existing</em> <em>disputes</em> <em>were</em> being marked <em>invalid</em>, and that I was required to resubmit identification including my full Social <em>Security</em> number."],"issue":["Problem with a company's investigation into an <em>existing</em> problem"]},"sort":[23.46664,"18303833"]},{"_index":"complaint-public-v1","_id":"20011400","_score":17.379017,"_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 : <em>Dispute</em> 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 <em>dispute</em> and reject the illegal and <em>invalid</em> collection in the amount of {$7100.00"]},"sort":[17.379017,"20011400"]},{"_index":"complaint-public-v1","_id":"3128851","_score":10.032154,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX. Box XXXX XXXX, TX XXXX XXXX : Acct # : XXXX To Whom It May Concern : This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy and/or completeness of information you have posted to my credit file.\n\nI am sure we both understand that most disputes are often conducted using software, such as e-Oscar, and that mistakes can be made during that process, and that the software can have limitations when it comes to completing a proper investigation of records. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623.\n\nOn separate occasions, I have disputed with all credit bureaus ( XXXX,  XXXX, and Experian included ) pertaining to an auto loan with XXXX XXXX Acct # XXXX for the date of last activity, payment history, status and the disputes returned verified. After some further investigation on my part, I am also concerned that this account may not belong to me, and/or the reporting to XXXX, Experian, and XXXX   may be inaccurate and incomplete.\n\nIn compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/XXXX ), 16 CFR 660.4, this Notice of Direct dispute includes the following : -Validation of account #  XXXX -Payments history is inaccurate and varies across all credit bureaus -Deficiency Balance Claim Basis for This Direct Dispute : Validation of account # XXXX Due, to so many inaccurate reportings, by XXXX XXXX and in a final attempt to either validate this account completely and/or have this account, in its entirety, removed from my credit files. I demand XXXX XXXX  to clear the record by providing the information listed below : - Verifiable and irrefutable evidence of payments made o Since you have proven to not be a good record keeper and have shown how predatory you can be towards my credit files. I demand for you to provide me with factual account details for Acct # XXXX, as well as, factual verifiable account and transaction details of XXXX XXXX  Personal/Business Account ( showing precisely what date payments went into your account, how they went it and via what method the payments/late payments went into XXXX account with ). \n- Factual history of payments/late payments - Methods of validation you used to validate this account, its information and its payment/late payment history with all credit bureaus during each dispute within the past 6 months. \n- I also demand to see how payments, were allocated towards this account Acct # XXXX, as well as, how payments were allocated toward principle and interest amounts. ( Not just a regular account notice. I want to see what percentage of payments went to each, for all payments late and on-time ) - Per your website it says ( 4 ) extensions were granted. Pursuant to Sec. 36a-784. ( Formerly Sec. 42-97 ). Renewals and extensions. Whenever any sales finance company or retail seller renews or extends the installments remaining unpaid so that the retail installment contract is both extended beyond its original date of final payment and the installments are reduced or increased in amount, such renewal or extension agreement shall be in writing. Please provide documentation of such. In addition, please provide documentation of how these were calculated into my payments, balance or account period. If you unable to provide any of the information listed in this paragraph, please correct any applications of this towards any and all balances. \n- I demand proof of contractual obligation, liability waivers, etc. ( Any and all signed documents ) - If you claimed a 1099-C please provide copies of such documentation as well any documentation that would prove that it should not be rescinded. \n\n\n\n\n\nPayments history is inaccurate and varies across all credit bureaus : Payment dates/Late payment dates ; were verified by you as accurate, changed, and then re-verified multiple times. \n\n- Per the information listed for this account Acct # XXXX on your website and in accordance with the payment notifications listed there or lack thereof, accounting shows ( 28 ) payments made, but the payments, you have verified with each of the credit bureaus only shows that you have applied, at most, ( 23 ) payments. Where are these other payments? How did they disappear? Where would they go? And if applied elsewhere please provide my consent and notices from XXXX indicating such. \n\n- Furthermore, each time I have disputed this account, you have change the payment dates/late payments dates. How can you verify the information as accurate with the credit bureaus then change the late payment dates and re-verify then change the payment dates again? \n\n- Each of the credit bureaus has a different variation of payment history for this account. Each Dispute produced different variations of what was supposed to be verified, as of the 1st dispute.\n\n- Date of First Delinquency : have been reported as one date, changed, and then verified and changed again. According to the various, ever changing payment/late payment dates the Date of 1st delinquency could be any of about 4 or 5 different dates .This is classified as re-aging an account which is in violation of FCRA Section 623 ( A ) ( 5 ) In addition, Provide valid dates of : - when you claimed repossession/ took possession of the vehicle listed under this account - when charge off officially took place. \n- Also, accurately verified open and closed dates of this account - Also, Ive never mailed in payments on any account before, as well as the account I had at this time did not have checks attached to it. XXXX account shows a mailroom payment listed on the account shown as : XX/XX/XXXX XX/XX/XXXX Payment Received - Thank you. Mail Room - Bank Account {$360.00} o Please provide copies of this payment account number/name on account/authorization/payment method, as well, XXXX XXXX own bank and transaction records to verify the validity of this payment. If payment method was money order/check please provide copy of check/ money order showing a signature and a tracking/account number name etc. I do believe this payment to be illegal and in violation. \n- XX/XX/XXXX there was a fee waive shown as : XX/XX/XXXX XX/XX/XXXX Fee Waived - Thank you ( {$480.00} ) o Please provide information on what this fee/payment was for and how it was paid, who paid it, as well as an explanation to why a payment is being made in XX/XX/XXXX? \nPlease clarify the record, provide correct dates for all 3 credit bureaus reporting as well as a correct payment history for the account. \n\nYour failure to in providing the irrefutable proof listed in all sections before this, will show your unwillingness to validate this account. \nIf you are unable to perform a reasonable investigation, or you are unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. \n\nIf you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. Please be sure to make sure everything you report is valid and true. \n\nUnder the provisions of FCRA 623 ( a ) ( 8 ) ( E ), you have the duty to review all of the information in this Notice of Dispute, to complete your investigation, and report back to me the results of your investigation, within 30-days of my Notice of Dispute.\n\nAlso, be advised during the years your company has also made multiple violations per FDCPA - Contacted a relative and mentioned details of this debt - Contacted my place of employment mentioning details of this debt Best Regards, XXXX XXXX Cc : CFPB Cc : FTC Cc : XXXX Cc : Experian Cc : XXXX Cc : XXXX Cc : XXXX Cc : Indiana XXXX XXXX XXXX Pursuant to Sec. 36a-784. ( Formerly Sec. 42-97 ). Renewals and extensions. Whenever any sales finance  company or retail seller renews or extends the installments remaining unpaid so that the retail installment contract is both extended beyond its original date of final payment and the installments are reduced or increased in amount, such renewal or extension agreement shall be in writing. Such sales finance company or retail seller may, any law to the contrary notwithstanding, make or collect a total additional charge therefor not exceeding an amount equivalent to a true rate of interest of twelve per cent per annum on the respective descending balances computed from the date of the oldest unpaid installment existing prior to such renewal or extension. When the renewal or extension does not include both an extension beyond the original date of final payment and a reduction or increase in the amount of the installments, such sales finance company or retail seller may make a total additional charge therefor up to the maximum lawful contract rate of interest permitted under the laws of this state but not exceeding twelve per cent true interest per annum, on the payment or payments extended for the period or periods of the extension. \n\n\nDisputes to Furnishers : You must investigate a consumers dispute if it relates to : the consumers liability for a credit account or other debt with you. For example, disputes relating to whether there is or has been identity theft or fraud against the consumer, whether there is individual or joint liability on an account, or whether the consumer is an authorized user of a credit account ; the terms of a credit account or other debt with you. For example, disputes relating to the type of account, principal balance, scheduled payment amount on an account, or the amount of the credit limit on an open-end account ; the consumer 's performance or other conduct concerning an account or other relationship with you. For example, disputes relating to the current payment status, high balance, date a payment was made, amount of a payment made, or date an account was opened or closed ; or any other information in a consumer report about an account or relationship with you that affects the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or lifestyle. Furnisher Rule 660.4 ( a ) Notes : Section 623 of the Fair Credit Reporting Act ( FCRA ), enforceable under the Fair and Accurate Credit Transactions ( FACT ) Act ; affords consumers the right to request that the furnisher of information conduct a reasonable investigation into the completeness and accuracy of the information being reported to the credit bureaus. Furnishers of information ( especially OCs ) are required under Section 312 of the FACT Act to establish and maintain guidelines on the accuracy and integrity of information furnished to credit bureaus, which means they should be able to conduct a proper investigation or records.\n\nFailure to perform a reasonable investigation can constitute legal action under the FCRA, Section 616, for willful non-compliance. Case law establishing liability of reporting inaccurate information was established in XXXX v. XXXX and XXXX v. XXXX XXXX. Failure to conduct a reasonable investigation can also lead to complaints being filed with your states Attorney General, the Federal Trade Commission and the Consumer Financial Protection Bureau. \n\n\nGuidelines for Policies and Procedures You must establish and implement written policies and procedures regarding the accuracy and integrity of information you furnish to a CRA. Guidelines are in Appendix A to Furnisher Rule Part 660. Read the Appendix ; the information here is just a sample. \nYour policies and procedures : must be appropriate to the nature, size, complexity, and scope of your activities ; must be reviewed periodically and updated, as necessary ; should ensure that information provided to a CRA is for the right person, and reflects the terms of the account and the consumer 's performance on the account ; require maintenance of records for a reasonable amount of time ; establish internal controls for the accuracy and integrity of information, such as through random sampling ; prevent re-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers ; and require updating of furnished information where necessary.\n\nInformation should : be substantiated by your records when it is furnished ; include consumer identifiers, like name ( s ), date of birth, Social Security number, telephone number ( s ), or address ( es ) ; and be furnished in a standardized form and specify the time period it pertains to.\n\nIf you dont comply with the FCRA, you may be sued by the FTC, Consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers. The FCRA provides for maximum penalties of {$3800.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 621 Deficiency Notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Acct # : XXXX To Whom It May Concern : Under the laws of the State of Indiana UCC 9-506 and State XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. \nPlease provide copies of the legal notices, dates mailed, not dates listed on a piece of paper Ive never seen before and proof of the commercially reasonable manner of the resale of the subject vehicle, a security agreement that shows I owe the debt and proof that you upheld your part of the security agreement and a liability waiver. \nIf you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies If no such proof is provided within 15 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. \n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2019-01-19T06:53:58.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"46235","tags":null,"has_narrative":true,"complaint_id":"3128851","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-01-19T06:53:53.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Please provide <em>documentation</em> of such. In addition, please provide <em>documentation</em> of how these <em>were</em> calculated into my payments, balance or account period. If you unable to provide any of the information listed in this paragraph, please correct any applications of this towards any and all balances."],"issue":["Problem with a credit reporting company's investigation into an <em>existing</em> problem"]},"sort":[10.032154,"3128851"]},{"_index":"complaint-public-v1","_id":"3128850","_score":10.009241,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX : Acct # : XXXX To Whom It May Concern : This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy and/or completeness of information you have posted to my credit file.\n\nI am sure we both understand that most disputes are often conducted using software, such as XXXX, and that mistakes can be made during that process, and that the software can have limitations when it comes to completing a proper investigation of records. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623. \n\nOn separate occasions, I have disputed with all credit bureaus ( XXXX, Transunion, and XXXX included ) pertaining to an auto loan with XXXX XXXX Acct # XXXX for the date of last activity, payment history, status and the disputes returned verified. After some further investigation on my part, I am also concerned that this account may not belong to me, and/or the reporting to XXXX, XXXX, and Transunion may be inaccurate and incomplete.\n\nIn compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( July 1, 2009 ), 16 CFR 660.4,  this Notice of Direct dispute includes the following : -Validation of account # XXXX -Payments history is inaccurate and varies across all credit bureaus -Deficiency Balance Claim Basis for This Direct Dispute : Validation of account # XXXX Due, to so many inaccurate reportings, by XXXX XXXX and in a final attempt to either validate this account completely and/or have this account, in its entirety, removed from my credit files. I demand XXXX XXXX to clear the record by providing the information listed below : - Verifiable and irrefutable evidence of payments made o Since you have proven to not be a good record keeper and have shown how predatory you can be towards my credit files. I demand for you to provide me with factual account details for Acct # XXXX, as well as, factual verifiable account and transaction details of XXXX XXXX Personal/Business Account ( showing precisely what date payments went into your account, how they went it and via what method the payments/late payments went into XXXX account with ). \n- Factual history of payments/late payments - Methods of validation you used to validate this account, its information and its payment/late payment history with all credit bureaus during each dispute within the past 6 months. \n- I also demand to see how payments, were allocated towards this account Acct # XXXX, as well as, how payments were allocated toward principle and interest amounts. ( Not just a regular account notice. I want to see what percentage of payments went to each, for all payments late and on-time ) - Per your website it says ( 4 ) extensions were granted. Pursuant to Sec. 36a-784. ( Formerly Sec. 42-97 ). Renewals and extensions. Whenever any sales finance company or retail  seller renews or extends the installments remaining unpaid so that the retail installment contract is both extended beyond its original date of final payment and the installments are reduced or increased in amount, such renewal or extension agreement shall be in writing. Please provide documentation of such. In addition, please provide documentation of how these were calculated into my payments, balance or account period. If you unable to provide any of the information listed in this paragraph, please correct any applications of this towards any and all balances. \n- I demand proof of contractual obligation, liability waivers, etc. ( Any and all signed documents ) - If you claimed a XXXX please provide copies of such documentation as well any documentation that would prove that it should not be rescinded. \n\n\n\n\n\nPayments history is inaccurate and varies across all credit bureaus : Payment dates/Late payment dates ; were verified by you as accurate, changed, and then re-verified multiple times. \n\n- Per the information listed for this account Acct # XXXX on your website and in accordance with the payment notifications listed there or lack thereof, accounting shows ( 28 ) payments made, but the payments, you have verified with each of the credit bureaus only shows that you have applied, at most, ( 23 ) payments. Where are these other payments? How did they disappear? Where would they go? And if applied elsewhere please provide my consent and notices from XXXX indicating such. \n\n- Furthermore, each time I have disputed this account, you have change the payment dates/late payments dates. How can you verify the information as accurate with the credit bureaus then change the late payment dates and re-verify then change the payment dates again? \n\n- Each of the credit bureaus has a different variation of payment history for this account. Each Dispute produced different variations of what was supposed to be verified, as of the 1st dispute. \n- Date of First Delinquency : have been reported as one date, changed, and then verified and changed again. According to the various, ever changing payment/late payment dates the Date of 1st delinquency could be any of about 4 or 5 different dates .This is classified as re-aging an account which is in violation of FCRA Section 623 ( A ) ( 5 ) In addition, Provide valid dates of : - when you claimed repossession/ took possession of the vehicle listed under this account - when charge off officially took place. \n- Also, accurately verified open and closed dates of this account - Also, Ive never mailed in payments on any account before, as well as the account I had at this time did not have checks attached to it. XXXX account shows a mailroom payment listed on the account shown as : XX/XX/XXXX XX/XX/XXXX Payment Received - Thank you. Mail Room - Bank Account {$360.00} o Please provide copies of this payment account number/name on account/authorization/payment method, as well, XXXX XXXX own bank and transaction records to verify the validity of this payment. If payment method was money order/check please provide copy of check/ money order showing a signature and a tracking/account number name etc. I do believe this payment to be illegal and in violation. \n- XX/XX/XXXX there was a fee waive shown as : XX/XX/XXXX XX/XX/XXXX Fee Waived - Thank you ( {$480.00} ) o Please provide information on what this fee/payment was for and how it was paid, who paid it, as well as an explanation to why a payment is being made in XX/XX/XXXX? \nPlease clarify the record, provide correct dates for all 3 credit bureaus reporting as well as a correct payment history for the account. \n\nYour failure to in providing the irrefutable proof listed in all sections before this, will show your unwillingness to validate this account. \nIf you are unable to perform a reasonable investigation, or you are unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. \n\nIf you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. Please be sure to make sure everything you report is valid and true. \n\nUnder the provisions of FCRA 623 ( a ) ( 8 ) ( E ), you have the duty to review all of the information in this Notice of Dispute, to complete your investigation, and report back to me the results of your investigation, within 30-days of my Notice of Dispute.\n\nAlso, be advised during the years your company has also made multiple violations  per FDCPA - Contacted a relative and mentioned details of this debt - Contacted my place of employment mentioning details of this debt Best Regards, XXXX XXXX Cc : CFPB Cc : FTC Cc : XXXX Cc : XXXX Cc : XXXX Cc : Transunion Cc : XXXX Cc : Indiana Attorneys General Office Pursuant to Sec. 36a-784. ( Formerly Sec. 42-97 ). Renewals and extensions. Whenever any sales finance  company or retail seller renews or extends the installments remaining unpaid so that the retail installment contract is both extended beyond its original date of final payment and the installments are reduced or increased in amount, such renewal or extension agreement shall be in writing. Such sales finance company or retail seller may, any law to the contrary notwithstanding, make or collect a total additional charge therefor not exceeding an amount equivalent to a true rate of interest of twelve per cent per annum on the respective descending balances computed from the date of the oldest unpaid installment existing prior to such renewal or extension. When the renewal or extension does not include both an extension beyond the original date of final payment and a reduction or increase in the amount of the installments, such sales finance company or retail seller may make a total additional charge therefor up to the maximum lawful contract rate of interest permitted under the laws of this state but not exceeding twelve per cent true interest per annum, on the payment or payments extended for the period or periods of the extension. \n\n\nDisputes to Furnishers : You must investigate a consumers dispute if it relates to : the consumers liability for a credit account or other debt with you. For example, disputes relating to whether there is or has been identity theft or fraud against the consumer, whether there is individual or joint liability on an account, or whether the consumer is an authorized user of a credit account ; the terms of a credit account or other debt with you. For example, disputes relating to the type of account, principal balance, scheduled payment amount on an account, or the amount of the credit limit on an open-end account ; the consumer 's performance or other conduct concerning an account or other relationship with you. For example, disputes relating to the current payment status, high balance, date a payment was made, amount of a payment made, or date an account was opened or closed ; or any other information in a consumer report about an account or relationship with you that affects the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or lifestyle. Furnisher Rule 660.4 ( a ) Notes : Section 623 of the Fair Credit Reporting Act ( FCRA ), enforceable under the Fair and Accurate Credit Transactions ( FACT ) Act ; affords consumers the right to  request that the furnisher of information conduct a reasonable investigation into the completeness and accuracy of the information being reported to the credit bureaus. Furnishers of information ( especially OCs ) are required under Section 312 of the FACT Act to establish and maintain guidelines on the accuracy and integrity of information furnished to credit bureaus, which means they should be able to conduct a proper investigation or records. \n\nFailure to perform a reasonable investigation can constitute legal action under the FCRA, Section 616, for willful non-compliance. Case law establishing liability of reporting inaccurate information was established in XXXX v. XXXX and XXXX v. XXXX XXXX. Failure to conduct a reasonable investigation can also lead to complaints being filed with your states Attorney General, the Federal Trade Commission and the Consumer Financial Protection Bureau. \n\n\nGuidelines for Policies and Procedures You must establish and implement written policies and procedures regarding the accuracy and integrity of information you furnish to a CRA. Guidelines are in Appendix A to Furnisher Rule Part 660. Read the Appendix ; the information here is just a sample. \nYour policies and procedures : must be appropriate to the nature, size, complexity, and scope of your activities ; must be reviewed periodically and updated, as necessary ; should ensure that information provided to a CRA is for the right person, and reflects the terms of the account and the consumer 's performance on the account ; require maintenance of records for a reasonable amount of time ; establish internal controls for the accuracy and integrity of information, such as through random sampling ; prevent re-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers ; and require updating of furnished information where necessary. \nInformation should : be substantiated by your records when it is furnished ; include consumer identifiers, like name ( s ), date of birth, Social Security number, telephone number ( s ), or address ( es ) ; and be furnished in a standardized form and specify the time period it pertains to.\n\nIf you dont comply with the FCRA, you may be sued by the FTC, Consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers. The FCRA provides for maximum penalties of {$3800.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 621 Deficiency Notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Acct # : XXXX To Whom It May Concern : Under the laws of the State of Indiana UCC 9-506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. \nPlease provide copies of the legal notices, dates mailed, not dates listed on a piece of paper Ive never seen before and proof of the commercially reasonable manner of the resale of the subject vehicle, a security agreement that shows I owe the debt and proof that you upheld your part of the security agreement and a liability waiver. \nIf you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies If no such proof is provided within 15 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. \n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2019-01-19T06:53:58.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"46235","tags":null,"has_narrative":true,"complaint_id":"3128850","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-01-19T06:53:53.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Please provide <em>documentation</em> of such. In addition, please provide <em>documentation</em> of how these <em>were</em> calculated into my payments, balance or account period. If you unable to provide any of the information listed in this paragraph, please correct any applications of this towards any and all balances."],"issue":["Problem with a credit reporting company's investigation into an <em>existing</em> problem"]},"sort":[10.009241,"3128850"]},{"_index":"complaint-public-v1","_id":"3128843","_score":9.998386,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX Exeter Finance XXXX. XXXX  XXXX XXXX, TX XXXX XXXX : Acct # : XXXX To W\n\nhom It May Concern : This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy and/or completeness of information you have posted to my credit file.\n\nI am sure we both understand that most disputes are often conducted using software, such as XXXX, and that mistakes can be made during that process, and that the software can have limitations when it comes to completing a proper investigation of records. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623. \n\nOn separate occasions, I have disputed with all credit bureaus ( XXXX, XXXX, and XXXX included ) pertaining to an auto loan with Exeter Finance Acct # XXXX for the date of last activity, payment history, status and the disputes returned verified. After some further investigation on my part, I am also concerned that this account may not belong to me, and/or the reporting to XXXX, XXXX, and XXXX may be inaccurate and incomplete. \n\nIn compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/XXXX ), 16 CFR 660.4, this Notice of Direct dispute includes the following : -Validation of account # XXXX -Payments history is inaccurate and varies across all credit bureaus -Deficiency Balance Claim Basis for This Direct Dispute : Validation of account # XXXX Due, to so many inaccurate reportings, by Exeter finance and in a final attempt to either validate this account completely and/or have this account, in its entirety, removed from my credit files. I demand Exeter finance to clear the record by providing the information listed below : - Verifiable and irrefutable evidence of payments made o Since you have proven to not be a good record keeper and have shown how predatory you can be towards my credit files. I demand for you to provide me with factual account details for Acct # XXXX, as well as, factual verifiable account and transaction details of Exeter finances Personal/Business Account ( showing precisely what date payments went into your account, how they went it and via what method the payments/late payments went into Exeters account with ). \n- Factual history of payments/late payments - Methods of validation you used to validate this account, its information and its payment/late payment history with all credit bureaus during each dispute within the past 6 months. \n- I also demand to see how payments, were allocated towards this account Acct # XXXX, as well as, how payments were allocated toward principle and interest amounts. ( Not just a regular account notice. I want to see what percentage of payments went to each, for all payments late and on-time ) - Per your website it says ( 4 ) extensions were granted. Pursuant to Sec. 36a-784. ( Formerly Sec. 42-97 ). Renewals and extensions. Whenever any sales finance company or retail seller renews or extends the installments remaining unpaid so that the retail installment contract is both extended beyond its original date of final payment and the installments are reduced or increased in amount, such renewal or extension agreement shall be in writing. Please provide documentation of such. In addition, please provide documentation of how these were calculated into my payments, balance or account period. If you unable to provide any of the information listed in this paragraph, please correct any applications of this towards any and all balances. \n- I demand proof of contractual obligation, liability waivers, etc. ( Any and all signed documents ) - If you claimed a XXXX please provide copies of such documentation as well any documentation that would prove that it should not be rescinded. \n\n\n\n\n\nPayments history is inaccurate and varies across all credit bureaus : Payment dates/Late payment dates ; were verified by you as accurate, changed, and then re-verified multiple times. \n\n- Per the information listed for this account Acct # XXXX on your website and in accordance with the payment notifications listed there or lack thereof, accounting shows ( 28 ) payments made, but the payments, you have verified with each of the credit bureaus only shows that you have applied, at most, ( 23 ) payments. Where are these other payments? How did they disappear? Where would they go? And if applied elsewhere please provide my consent and notices from Exeter indicating such. \n\n- Furthermore, each time I have disputed this account, you have change the payment dates/late payments dates. How can you verify the information as accurate with the credit bureaus then change the late payment dates and re-verify then change the payment dates again? \n\n- Each of the credit bureaus has a different variation of payment history for this account. Each Dispute produced different variations of what was supposed to be verified, as of the 1st dispute. \n- Date of First Delinquency : have been reported as one date, changed, and then verified and changed again. According to the various, ever changing payment/late payment dates the Date of 1st delinquency could be any of about 4 or 5 different dates .This is classified as re-aging an account which is in violation of FCRA Section 623 ( A ) ( 5 ) In addition, Provide valid dates of : - when you claimed repossession/ took possession of the vehicle listed under this account - when charge off officially took place. \n- Also, accurately verified open and closed dates of this account - Also, Ive never mailed in payments on any account before, as well as the account I had at this time did not have checks attached to it. Exeter account shows a mailroom payment listed on the account shown as : XX/XX/XXXX XX/XX/XXXX Payment Received - Thank you. Mail Room - Bank Account {$360.00} o Please provide copies of this payment account number/name on account/authorization/payment method, as well, Exeter Finances own bank and transaction records to verify the validity of this payment. If  payment method was money order/check please provide copy of check/ money order showing a signature and a tracking/account number name etc. I do believe this payment to be illegal and in violation. \n- XX/XX/XXXX there was a fee waive shown as : XX/XX/XXXX XX/XX/XXXX Fee Waived - Thank you ( {$480.00} ) o Please provide information on what this fee/payment was for and how it was paid, who paid it, as well as an explanation to why a payment is being made in XX/XX/XXXX? \nPlease clarify the record, provide correct dates for all 3 credit bureaus reporting as well as a correct payment history for the account. \n\nYour failure to in providing the irrefutable proof listed in all sections before this, will show your unwillingness to validate this account. \nIf you are unable to perform a reasonable investigation, or you are unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. \n\nIf you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. Please be sure to make sure everything you report is valid and true. \n\nUnder the provisions of FCRA 623 ( a ) ( 8 ) ( E ), you have the duty to review all of the information in this Notice of Dispute, to complete your investigation, and report back to me the results of your investigation, within 30-days of my Notice of Dispute. \n\nAlso, be advised during the years your company has also made multiple violations per FDCPA - Contacted a relative and mentioned details of this debt - Contacted my place of employment mentioning details of this debt Best Regards, XXXX XXXX Cc : CFPB Cc : FTC Cc : XXXX Cc : XXXX Cc : XXXX Cc : XXXX Cc : XXXX Cc : XXXX Attorneys General Office Pursuant to Sec. 36a-784. ( Formerly Sec. 42-97 ). Renewals and extensions. Whenever any sales finance company or retail seller renews or extends the installments remaining unpaid so that the retail installment contract is both extended beyond its original date of final payment and the installments are reduced or increased in amount, such renewal or extension agreement shall be in writing. Such sales finance company or retail seller may, any law to the contrary notwithstanding, make or collect a total additional charge therefor not exceeding an amount equivalent to a true rate of interest of twelve per cent per annum on the respective descending balances computed from the date of the oldest unpaid installment existing prior to such renewal or extension. When the renewal or extension does not include both an extension beyond the original date of final payment and a reduction or increase in the amount of the installments, such sales finance company or retail seller may make a total additional charge therefor up to the maximum lawful contract rate of interest permitted under the laws of this state but not exceeding twelve per cent true interest per annum, on the payment or payments extended for the period or periods of the extension. \n\n\nDisputes to Furnishers : You must investigate a consumers dispute if it relates to : the consumers liability for a credit account or other debt with you. For example, disputes relating to whether there is or has been identity theft or fraud against the consumer, whether there is individual or joint liability on an account, or whether the consumer is an authorized user of a credit account ; the terms of a credit account or other debt with you. For example, disputes relating to the type of account, principal balance, scheduled payment amount on an account, or the amount of the credit limit on an open-end account ; the consumer 's performance or other conduct concerning an account or other relationship with you. For example, disputes relating to the current payment status, high balance, date a payment was made, amount of a payment made, or date an account was opened or closed ; or any other information in a consumer report about an account or relationship with you that affects the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or lifestyle. Furnisher Rule 660.4 ( a ) Notes : Section 623 of the Fair Credit Reporting Act ( FCRA ), enforceable under the Fair and Accurate Credit Transactions ( FACT ) Act ; affords consumers the right to request that the furnisher of information conduct a reasonable investigation into the completeness and accuracy of the information being reported to the credit bureaus. Furnishers of information ( especially OCs ) are required under Section 312 of the FACT Act to establish and maintain guidelines on the accuracy and integrity of information furnished to credit bureaus, which means they should be able to conduct a proper investigation or records. \n\nFailure to perform a reasonable investigation can constitute legal action under the FCRA, Section 616, for willful non-compliance. Case law establishing liability of reporting inaccurate information was established in XXXX v. XXXX and XXXX v. XXXX XXXX. Failure to conduct a reasonable investigation can also lead to complaints being filed with your states Attorney General, the Federal Trade Commission and the Consumer Financial Protection Bureau. \n\n\nGuidelines for Policies and Procedures You must establish and implement written policies and procedures regarding the accuracy and integrity of information you furnish to a CRA. Guidelines are in Appendix A to XXXX XXXX XXXX XXXX. Read the Appendix ; the information here is just a sample. \nYour policies and procedures : must be appropriate to the nature, size, complexity, and scope of your activities ; must be reviewed periodically and updated, as necessary ; should ensure that information provided to a CRA is for the right person, and reflects the terms of the account and the consumer 's performance on the account ; require maintenance of records for a reasonable amount of time ; establish internal controls for the accuracy and integrity of information, such as through random sampling ; prevent re-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers ; and require updating of furnished information where necessary. \nInformation should : be substantiated by your records when it is furnished ; include consumer identifiers, like name ( s ), date of birth, Social Security number, telephone number ( s ), or address ( es ) ; and be furnished in a standardized form and specify the time period it pertains to. \n\nIf you dont comply with the FCRA, you may be sued by the FTC, Consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers. The FCRA provides for maximum penalties of {$3800.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 621 Deficiency Notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX Exeter Finance XXXX. XXXX XXXX XXXX, TX XXXX Acct # : XXXX To Whom It May Concern : Under the laws of the State of Indiana UCC 9-506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. \nPlease provide copies of the legal notices, dates mailed, not dates listed on a piece of paper Ive never seen before and proof of the commercially reasonable manner of the resale of the subject vehicle, a security agreement that shows I owe the debt and proof that you upheld your part of the security agreement and a liability waiver. \nIf you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies If no such proof is provided within 15 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. \n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2019-01-19T06:53:49.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"46235","tags":null,"has_narrative":true,"complaint_id":"3128843","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Exeter Finance, LLC.","date_received":"2019-01-19T06:39:36.000Z","state":"IN","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> of such. In addition, please provide <em>documentation</em> of how these <em>were</em> calculated into my payments, balance or account period. If you unable to provide any of the information listed in this paragraph, please correct any applications of this towards any and all balances."],"issue":["Problem with a credit reporting company's investigation into an <em>existing</em> problem"]},"sort":[9.998386,"3128843"]},{"_index":"complaint-public-v1","_id":"15477922","_score":9.590587,"_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":["Provide those <em>were</em> received approximately XX/XX/XXXX and per XXXX policy wired funds are fully accessible and released to new and <em>existing</em> clients with a new client <em>considered</em> being with them for 30 days or less, and those funds are fully released within XXXX business day, therefore all funds that <em>were</em> deposited <em>were</em> 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."]},"sort":[9.590587,"15477922"]},{"_index":"complaint-public-v1","_id":"7316583","_score":9.255261,"_source":{"product":"Mortgage","complaint_what_happened":"Hello, This complaint is regarding Movement Mortgage and their improper servicing of my XXXX XXXX XXXX XXXX ( Loan Number : XXXX ). \n\nI believe Movement Mortgage may be targeting me with unfair & unethical business practices, and I believe this may need to be investigated. \n\nFor almost a full year now ( beginning XX/XX/XXXX ), I've been receiving threatening letters in the mail from Movement Mortgage containing categorially false information about my Mortgage Loan XXXX. \n\nThe first several letters falsely stated that my Homeowners Insurance Policy had expired and that they ( Movement ) required immediate proof of coverage or they would proceed with purchasing a policy on my behalf and at my expense.\n\nI promptly replied to Movement Mortgage and provided all evidence of proper Homeowners Insurance coverage. Additionally, I notified Movement Mortgage that the property has always had coverage, and that there have never been any lapses or any issues whatsoever, and that I can see for myself via the Movement Mortgage Payment Portal, that my profile does in fact reflect proper Insurance Coverage. \n\nI received several more letters with the same threats. I tirelessly worked in good faith to continue reaching out to Movement Mortgage via their Customer Service process, providing all documentation over and over again, explaining that all Insurance Coverages are in place and I don't understand what the issue is. \n\nFinally, in XXXX of XXXX, a XXXX at Movement Mortgage shared with me the actual issue they were seeing on their backend records. Apparently there was never an issue of Expired Coverage or Lapse of Coverage on their end ( even though that's literally what the letters were accusing me of ). The CSR explained and confirmed that they do in fact see the current/active Homeowners Policy, but that the Policy has a different \" Named Insured '' than myself. \n\nThis was the first time in 8 months of receiving threatening letters where someone took the time to tell me what the \" actual issue '' was. \n\nI didn't dispute the fact that there is a different \" Named Insured '' on my policy, as title to the property is held in a properly structured wholly-owned LLC ( my wife and I are the sole owners of the LLC, with the LLC structured as part of our long-term estate planning strategy ). \n\nI further explained to Movement Mortgage, in detail, that we conducted the Title Transfer into our LLC via the process outlined in section D1-4.1-02 : Allowable Exemptions Due to the Type of Transfer of the XXXX XXXX Servicing Guidelines . Everything 100 % above board and compliant.\n\nMovement Mortgage acknowledged my explanation and asked for me to provide specific documents regarding the legal structure of our LLC so that they could \" Transfer '' the Loan Docs to the name of the LLC on their backend to resolve the \" Named Insured '' discrepancy/mismatch.\n\nI provided all documentation promptly, and Movement Mortgage processed the Loan Transfer to the LLC quickly, and provided me a written confirmation.\n\nMovement Mortgage then sent another confirmation in the form of email, stating that all is cleared up now and their backend records have been updated, and that there were no more \" issues '' with my loan, the insurance documentation, named insured, etc.\n\nAll done, good to go, finally solved.\n\nSpoke too soon. Movement Mortgage is now back up to their old tricks, sending me a letter dated XX/XX/XXXX falsely accusing me once again of \" Invalid Proof of Insurance '', due to a \" Named Insured '' mismatch, and again threatening to buy an additional Insurance Policy on my behalf and at my expense. ( It seems to me that if Movement Mortgage follows through with a threat to buy additional Insurance when they know full well the property is FULLY Insured, might be a fraudulent and unethical action ).\n\nOnce again, I'm now caught up in the vicious cycle of contacting Movement Mortgage 's Customer Service center trying to re-explain everything in detail. They refuse to give me an explanation as to why this is happening. \n\nYesterday ( XX/XX/XXXX ) I believe I may have discovered a key driving factor here which may potentially be a form of Fraud / Unethical business practice : As I'm still working the process ( over and over again ) to contact Movement and clear up this mess they've created, I receive a COMPLETELY SEPARATE solicitation from Movement Mortgage 's in-house \" Movement Insurance Team '' , offering to sell me their own in-house Home Insurance Policy for the home.\n\nThis instantly hit me like a ton of bricks. Is Movement continually harassing me about my loan and sending threatening letters with false information in an attempt to get me to drop my current insurance carrier and instead purchase insurance through Movement Mortgage? If this isn't considered Fraud or Unethical, I believe it may be a conflict of interest at the very least.\n\nI feel I've exhausted every avenue to resolve this issue with Movement Mortgage directly, but unfortunately I believe I'm being taken advantage of at this point and would sincerely appreciate someone stepping in on my behalf to help address this issue.\n\nAdditional information/context for reference : We did transfer title of the property into our wholly-owned Estate Planning LLC o ( To complete this process, we strictly followed the XXXX XXXX guidelines outlined XXXX XXXX XXXX : Allowable Exemptions Due to the Type of Transfer ( XX/XX/XXXX ) ( fanniemae.com ) ) Subsequently, we contacted Movement Mortgage to transfer the loan to the LLC, which Movement Mortgage quickly processed and confirmed None of these actions have adversely impacted/affected the DEED OF TRUST / Security Instrument, or the fact we are still personally liable for the note & repayment. ( This loan is performing, all payments on time, never a late payment or issue whatsoever from our end ) None of these actions have adversely impacted/affected Movement Mortgages lien/interest in the property, which is secured by the DEED OF TRUST, and the existing Homeowners Insurance Policy clearly structured with Movement Mortgage as 1st Lien Holder.\n\nFurthermore, there is no requirement on either the Note or DEED OF TRUST specifically dictating that the Named Insured on any Homeowners Policy must match the names on the original loan documents. The requirement doesnt exist Everything done to the letter, all in complete compliance with XXXX XXXX servicing rules. \n\nPlease note : we have always had the appropriate insurance coverage on the property. Never a lapse, never a loss of coverage, never any issues. The insurance policy is in the name of the LLC, as the LLC is the legal owner of the property ( per the Fannie Mae process above ). The Policy clearly lists Movement as 1st Lienholder, protecting their interest in the property. Properly structured LLCs are quite literally designed to separate the entity from the individual, and to provide clear distinctions as to avoid any co-mingling. For me to put my own name as \" Named Insured '', on an insurance policy for a home that isn't owned in my name, would be pointless and counterproductive, while also literally defeating the purpose of the LLC structure itself.\n\nI believe Movement understands all of the above, and I haven't broken any rules or defied any written requirements. On the contrary, I've done everything to the letter, taking great care to ensure all compliance requirements are met. Movement has acknowledged this in the past. This is why I believe I'm being harassed and need help. Thank you so much in advance.\n\nPrior ticket numbers I've submitted with Movement 's Customer Service for reference : XXXX Most Recent ( I received acknowledgment of the issue, but never any follow up / follow-through whatsoever ) XXXX XXXX XXXX","date_sent_to_company":"2023-07-28T15:14:43.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"335XX","tags":null,"has_narrative":true,"complaint_id":"7316583","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Movement Mortgage LLC","date_received":"2023-07-28T14:54:25.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I provided all <em>documentation</em> promptly, and Movement Mortgage processed the Loan Transfer to the LLC quickly, and provided me a written confirmation.\n\nMovement Mortgage then sent another confirmation in the form of email, stating that all is cleared up now and their backend records have been updated, and that there <em>were</em> no more \" issues '' with my loan, the insurance <em>documentation</em>, named insured, etc.\n\nAll done, good to go, finally solved.\n\nSpoke too soon."]},"sort":[9.255261,"7316583"]},{"_index":"complaint-public-v1","_id":"9519489","_score":7.003747,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I originally wrote to Department XXXX XXXX XXXX XX/XX/year> to Validate the alleged Debt Pursuant to XXXX XXXX XXXX XXXX \n\n\nI told them, it was not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX stating your claim is disputed and validation is requested. \n\n\nI told them it was NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully requested their offices provide me with competent evidence that I have any legal obligation to pay them. \n\n\nAt that time, I also informed them that if their offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action XXXX constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by their company or the company they represent, I will not hesitate in bringing legal action against them for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character (XX/XX/XXXX XXXX ). \n\n\nI told them if their offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during the validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This included any listing of my information to a credit reporting repository that could be inaccurate or invalidated. \n\n\nI told them if their office failed to respond to the validation request within 30 days from the date of receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. \n\n\n\nThe Following information was required. I requested them to fill out a form i sent in its entirety. \n\n1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? ____ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : I also requested they attached copies of the following : Agreement with your client that XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX to collect this alleged debt. \n\nSigned agreement Debtor has made with XXXX Collector, or other verifiable proof Debtor has a contractual obligation to pay XXXX collector. \n\nAny agreement that bears the signature of XXXX, wherein agreed to pay XXXX. \n\nAll statements while this account was open. \n\nHave any insurance claims been made by any creditor regarding this account? \n\no Yes o No Have any Judgements been obtained by any creditor regarding this account?\n\no Yes o No I also requested them to provide me the name and address of the bonding agent forXX/XX/XXXXXXXX XXXX XXXX legal action becomes necessary : I told them they had to return the completed form along with copies of all requested information, assignments or other transfer agreements, which would establish their right to collect this alleged debt within 30 calendar days from the date of receipt of the letter. I said their claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 calendar days for processing after I receive this information.\n\n_________________ They did not respond. On XX/XX/year> I sent them a NOTICE AND DEMAND FOR CEASE AND DESIST. \n\nI told the the following : You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt. \n\nI refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. \n\n15 USC 1692cI Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. \n\nIf proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. \n\nFurthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. \n\nFDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( 1 ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. \n\n( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by deb\n\nt collectors. By the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15USC 1692\neven further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney.\n\nFDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. \n\nWith all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation.\n\nFDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure.\n\n( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.\n\nYour Options are as follows : 1 ) Delete this account and cease and desist with all collection activities ; 2 ) Settlement ; or 3 ) We go to court, you incur lawyer fees and pay me {$1000.00} per violation along with damages per ruling of the court. \n\n\nThey still did not responded. Not only that, they have not removed the unverifiable account from my report, they are still reporting to third party companies without my written instructions ( Permissible Purpose ), per the law and am still receiving communication via email requesting payment for the alleged debt. \n\n\nUnder 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS OF THE CONSUMER to whom it relates. \n\n\n>>I did not give written instruction to XXXX XXXX XXXX XXXX XXXX any information on my credit report and they were not able to furnish proof that i gave them permission to do so. Under 15 USC 1692g They were to notify me of this in writing 5 days prior to address ownership, publication and validation of the alleged debt. I was not. As the original creditor, only I can validate a debt. I do not validate this debt.\n\nThe reporting of this account is a violation of 15 USC 1681, and the Fair Credit Reporting Act.\n\n[ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does NOT include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a CREDIT CARD or similar device; Under the Truth in Lending Act 15 USC 1602 ( g ), CREDIT CARD is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. \n\n\n>>This makes my social security card, drivers license/ID, and license plate credit cards because they were used for the extension of credit and or property. \n\n\nUnder The FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or EXPERENCES between the consumer and the person making the report ; Transactional history and payments/experiences are not apart of a report. This agency is in direct violation to 15 USC 1681. \n\n\nAccording to the XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX. XXXX, codified in relevant part primarily at 15 U.S.C. XX/XX/XXXX Title V, subtitle A, of this Act ( 15 U.S.C. 6801 et seq. ) requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. Such institutions must develop and give notice of their privacy policies to their own customers at least annually ( except where exempted under section XXXX of the Fixing XXXX 'XX/XX/XXXX XX/XX/XXXX, codified at 15 U.S.C. 6803 ( f ) ), and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to \" opt out '' from such disclosure. \n\n\n\n>>They have violated this law along with many others as well because they have disclosed my personal financial information to unaffiliated third party 's such as XXXX, XXXX, XXXX and XXXX knows who else without notice, consent or an opportunity to opt out. \n\nPlease handle accordingly.","date_sent_to_company":"2024-07-16T02:51:36.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32818","tags":null,"has_narrative":true,"complaint_id":"9519489","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2024-07-16T02:25:55.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":[">>This makes my social <em>security</em> card, drivers license/ID, and license plate credit cards because they <em>were</em> used for the extension of credit and or property."]},"sort":[7.003747,"9519489"]},{"_index":"complaint-public-v1","_id":"9519780","_score":6.983801,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I originally wrote to Department of EducationXXXX XXXX XX/XX/year> to Validate the alleged Debt Pursuant to 15 USC 1692g .\n\nI told them, it was not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.\n\nI told them it was NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully requested their offices provide me with competent evidence that I have any legal obligation to pay them. \n\n\nAt that time, I also informed them that if their offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, Equifax or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by their company or the company they represent, I will not hesitate in bringing legal action against them for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).\n\nI told them if their offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during the validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This included any listing of my information to a credit reporting repository that could be inaccurate or invalidated.\n\nI told them if their office failed to respond to the validation request within 30 days from the date of receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.\n\nThe Following information was required. I requested them to fill out a form i sent in its entirety. \n\nXXXX. Name and address of Alleged creditor : XXXX. Name on file of alleged debtor : XXXX. Alleged Account # : XXXX. Address on file for alleged debtor : XXXX. Amount of alleged debt : XXXX. Date this alleged became payable : XXXX. Date of original charge off or delinquency : XXXX. Was this debt assigned to a debt collector or purchased? ____ No ____Yes XXXX. Amount Paid if debt was purchased : XXXX. Commission for debt if collection efforts are successful : I also requested they attached copies of the following : Agreement with your client that grants Department of EducationXXXX the authority to collect this alleged debt.\n\nSigned agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.\n\nAny agreement that bears the signature of Debtor, wherein agreed to pay Creditor. \n\nAll statements while this account was open. \n\nHave any insurance claims been made by any creditor regarding this account? \n\no Yes o No Have any Judgements been obtained by any creditor regarding this account?\n\no Yes o No I also requested them to provide me the name and address of the bonding agent for Department of EducationXXXX in case legal action becomes necessary : I told them they had to return the completed form along with copies of all requested information, assignments or other transfer agreements, which would establish their right to collect this alleged debt within 30 calendar days from the date of receipt of the letter. I said their claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 calendar days for processing after I receive this information. \nXXXX  They did not respond. On XX/XX/year> I sent them a NOTICE AND DEMAND FOR CEASE AND DESIST. \n\nI told the the following : You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt.\n\nI refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt.\n\n15 USC 1692cI Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. \n\nIf proper validation of this alleged debt is not provided within XXXX calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. \n\nFurthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. \n\nFDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( XXXX ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( XXXX ) in the case of an action not described in paragraph ( XXXX ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. \n\n( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.\n\nBy the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney.\n\nFDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. \n\nWith all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. \n\nFDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure.\n\n( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. \n\nYour Options are as follows : XXXX ) Delete this account and cease and desist with all collection activities ; XXXX ) Settlement ; or XXXX ) We go to court, you incur lawyer fees and pay me {$1000.00} per violation along with damages per ruling of the court. \n\n\nThey still did not responded. Not only that, they have not removed the unverifiable account from my report, they are still reporting to third party companies without my written instructions ( Permissible Purpose ), per the law and am still receiving communication via email requesting payment for the alleged debt. \n\n\nUnder 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS OF THE CONSUMER to whom it relates.\n\n>>I did not give written instruction to Dept of EducationXXXX to furnish any information on my credit report and they were not able to furnish proof that i gave them permission to do so. Under 15 USC 1692g They were to notify me of this in writing 5 days prior to address ownership, publication and validation of the alleged debt. I was not. As the original creditor, only I can validate a debt. I do not validate this debt.\n\nThe reporting of this account is a violation of 15 USC 1681, and the Fair Credit Reporting Act.\n\n[ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does NOT include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a CREDIT CARD or similar device; Under the Truth in Lending Act 15 USC 1602 ( g ), CREDIT CARD is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.\n\n>>This makes my social security card, drivers license/ID, and license plate credit cards because they were used for the extension of credit and or property.\n\nUnder The FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or EXPERENCES between the consumer and the person making the report ; Transactional history and payments/experiences are not apart of a report. This agency is in direct violation to 15 USC 1681. \n\n\nAccording to the XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX. XXXX, codified in relevant part primarily at 15 U.S.C. 6801-6809, 6821-6827 Title V, subtitle A, of this Act ( 15 U.S.C. 6801 et seq. ) requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. Such institutions must develop and give notice of their privacy policies to their own customers at least annually ( except where exempted under section 75001 of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX, XXXX XXXX. XXXX, codified at 15 U.S.C. 6803 ( f ) ), and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to \" opt out '' from such disclosure. \n\n\n\n>>They have violated this law along with many others as well because they have disclosed my personal financial information to unaffiliated third party 's such as XXXX, XXXX, Equifax and Lord knows who else without notice, consent or an opportunity to opt out. \n\nPlease handle accordingly.","date_sent_to_company":"2024-07-16T02:52:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32818","tags":null,"has_narrative":true,"complaint_id":"9519780","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-07-16T02:51:58.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":[">>This makes my social <em>security</em> card, drivers license/ID, and license plate credit cards because they <em>were</em> used for the extension of credit and or property."]},"sort":[6.983801,"9519780"]},{"_index":"complaint-public-v1","_id":"9510727","_score":6.9825544,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I originally wrote to Department of EducationXXXX XXXX XX/XX/year> to Validate the alleged Debt Pursuant to 15 USC 1692g .\n\nI told them, it was not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. \n\n\nI told them it was NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully requested their offices provide me with competent evidence that I have any legal obligation to pay them. \n\n\nAt that time, I also informed them that if their offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or TransUnion ) this action XXXX constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by their company or the company they represent, I will not hesitate in bringing legal action against them for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).\n\nI told them if their offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during the validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This included any listing of my information to a credit reporting repository that could be inaccurate or invalidated. \n\n\nI told them if their office failed to respond to the validation request within 30 days from the date of receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. \n\n\n\nThe Following information was required. I requested them to fill out a form i sent in its entirety. \n\nXXXX. Name and address of Alleged creditor : XXXX. Name on file of alleged debtor : XXXX. Alleged Account # : XXXX. Address on file for alleged debtor : XXXX. Amount of alleged debt : XXXX. Date this alleged became payable : XXXX. Date of original charge off or delinquency : XXXX. Was this debt assigned to a debt collector or purchased? ____ No ____Yes XXXX. Amount Paid if debt was purchased : XXXX. Commission for debt if collection efforts are successful : I also requested they attached copies of the following : Agreement with your client that grants Department of EducationXXXX the authority to collect this alleged debt.\n\nSigned agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.\n\nAny agreement that bears the signature of Debtor, wherein agreed to pay Creditor.\n\nAll statements while this account was open. \n\nHave any insurance claims been made by any creditor regarding this account? \n\no Yes o No Have any Judgements been obtained by any creditor regarding this account?\n\no Yes o No I also requested them to provide me the name and address of the bonding agent for Department of EducationXXXX in case legal action becomes necessary : I told them they had to return the completed form along with copies of all requested information, assignments or other transfer agreements, which would establish their right to collect this alleged debt within XXXX calendar days from the date of receipt of the letter. I said their claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act. Please allow XXXX calendar days for processing after I receive this information. \nXXXX  They did not respond. On XX/XX/year> I sent them a NOTICE AND DEMAND FOR CEASE AND DESIST. \n\nI told the the following : You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt. \n\nI refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. \n\n15 USC 1692cI Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. \n\nIf proper validation of this alleged debt is not provided within XXXX calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. \n\nFurthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. \n\nFDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( XXXX ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( XXXX ) in the case of an action not described in paragraph ( XXXX ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. \n\n( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.\n\nBy the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney. \n\nFDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. \n\nWith all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. \n\nFDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) any actual damage sustained by such person as a result of such failure. \n\n( XXXX ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. \n\nYour Options are as follows : XXXX ) Delete this account and cease and desist with all collection activities ; XXXX ) Settlement ; or XXXX ) We go to court, you incur lawyer fees and pay me {$1000.00} per violation along with damages per ruling of the court. \n\n\nThey still did not responded. Not only that, they have not removed the unverifiable account from my report, they are still reporting to third party companies without my written instructions ( Permissible Purpose ), per the law and am still receiving communication via email requesting payment for the alleged debt. \n\n\nUnder 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS OF THE CONSUMER to whom it relates.\n\n>>I did not give written instruction to Dept of EducationXXXX to furnish any information on my credit report and they were not able to furnish proof that i gave them permission to do so. Under 15 USC 1692g They were to notify me of this in writing 5 days prior to address ownership, publication and validation of the alleged debt. I was not. As the original creditor, only I can validate a debt. I do not validate this debt. \n\nThe reporting of this account is a violation of 15 USC 1681, and the Fair Credit Reporting Act.\n\n[ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does NOT include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a CREDIT CARD or similar device; Under the Truth in Lending Act 15 USC 1602 ( g ), CREDIT CARD is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.\n\n>>This makes my social security card, drivers license/ID, and license plate credit cards because they were used for the extension of credit and or property.\n\nUnder The FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or EXPERENCES between the consumer and the person making the report ; Transactional history and payments/experiences are not apart of a report. This agency is in direct violation to 15 USC 1681.\n\nAccording to the Gramm-Leach-Bliley Act Law Pub. L. No. 106-102, 113 Stat. 1338, codified in relevant part primarily at 15 U.S.C. 6801-6809, 6821-6827 Title V, subtitle A, of this Act ( 15 U.S.C. 6801 et seq. ) requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. Such institutions must develop and give notice of their privacy policies to their own customers at least annually ( except where exempted under section XXXX of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX. XXXX XXXX. XXXX, XXXX XXXX. XXXX, codified at 15 U.S.C. 6803 ( f ) ), and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to \" opt out '' from such disclosure. \n\n\n\n>>They have violated this law along with many others as well because they have disclosed my personal financial information to unaffiliated third party 's such as XXXX, Transunion, XXXX and Lord knows who else without notice, consent or an opportunity to opt out. \n\nPlease handle accordingly.","date_sent_to_company":"2024-07-16T02:52:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32818","tags":null,"has_narrative":true,"complaint_id":"9510727","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-07-16T02:51:58.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":[">>This makes my social <em>security</em> card, drivers license/ID, and license plate credit cards because they <em>were</em> used for the extension of credit and or property."]},"sort":[6.9825544,"9510727"]},{"_index":"complaint-public-v1","_id":"9519586","_score":6.9811316,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I originally wrote to Department of EducationXXXX XXXX XX/XX/year> to Validate the alleged Debt Pursuant to 15 USC 1692g .\n\nI told them, it was not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.\n\nI told them it was NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully requested their offices provide me with competent evidence that I have any legal obligation to pay them.\n\nAt that time, I also informed them that if their offices have reported invalidated information to any of the XXXX major credit bureaus ( Experian, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by their company or the company they represent, I will not hesitate in bringing legal action against them for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). \n\n\nI told them if their offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during the validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This included any listing of my information to a credit reporting repository that could be inaccurate or invalidated. \n\n\nI told them if their office failed to respond to the validation request within 30 days from the date of receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. \n\n\n\nThe Following information was required. I requested them to fill out a form i sent in its entirety. \n\nXXXX. Name and address of Alleged creditor : XXXX. Name on file of alleged debtor : XXXX. Alleged Account # : XXXX. Address on file for alleged debtor : XXXX. Amount of alleged debt : XXXX. Date this alleged became payable : XXXX. Date of original charge off or delinquency : XXXX. Was this debt assigned to a debt collector or purchased? ____ No ____Yes XXXX. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : I also requested they attached copies of the following : Agreement with your client that grants Department of EducationXXXX the authority to collect this alleged debt.\n\nSigned agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.\n\nAny agreement that bears the signature of Debtor, wherein agreed to pay Creditor.\n\nAll statements while this account was open.\n\nHave any insurance claims been made by any creditor regarding this account?\n\no Yes o No Have any Judgements been obtained by any creditor regarding this account?\n\no Yes o No I also requested them to provide me the name and address of the bonding agent for Department of EducationXXXX in case legal action becomes necessary : I told them they had to return the completed form along with copies of all requested information, assignments or other transfer agreements, which would establish their right to collect this alleged debt within 30 calendar days from the date of receipt of the letter. I said their claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 calendar days for processing after I receive this information. \nXXXX They did not respond. On XX/XX/year> I sent them a NOTICE AND DEMAND FOR CEASE AND DESIST. \n\nI told the the following : You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt.\n\nI refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt.\n\n15 USC 1692cI Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.\n\nIf proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account.\n\nFurthermore, you do not have any jurisdiction or authority to even collect on this alleged debt.\n\nFDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( 1 ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action.\n\n( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.\n\nBy the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney.\n\nFDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney.\n\nWith all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation.\n\nFDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure.\n\n( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.\n\nYour Options are as follows : 1 ) Delete this account and cease and desist with all collection activities ; 2 ) Settlement ; or 3 ) We go to court, you incur lawyer fees and pay me {$1000.00} per violation along with damages per ruling of the court.\n\nThey still did not responded. Not only that, they have not removed the unverifiable account from my report, they are still reporting to third party companies without my written instructions ( Permissible Purpose ), per the law and am still receiving communication via email requesting payment for the alleged debt.\n\nUnder 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS OF THE CONSUMER to whom it relates.\n\n>>I did not give written instruction to Dept of EducationXXXX to furnish any information on my credit report and they were not able to furnish proof that i gave them permission to do so. Under 15 USC 1692g They were to notify me of this in writing 5 days prior to address ownership, publication and validation of the alleged debt. I was not. As the original creditor, only I can validate a debt. I do not validate this debt.\n\nThe reporting of this account is a violation of 15 USC 1681, and the Fair Credit Reporting Act.\n\n[ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does NOT include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a CREDIT CARD or similar device; Under the Truth in Lending Act 15 USC 1602 ( g ), CREDIT CARD is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.\n\n>>This makes my social security card, drivers license/ID, and license plate credit cards because they were used for the extension of credit and or property.\n\nUnder The FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or EXPERENCES between the consumer and the person making the report ; Transactional history and payments/experiences are not apart of a report. This agency is in direct violation to 15 USC 1681. \n\n\nAccording to the XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX. XXXX, codified in relevant part primarily at 15 U.S.C. 6801-6809, 6821-6827 Title V, subtitle A, of this Act ( 15 U.S.C. 6801 et seq. ) requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. Such institutions must develop and give notice of their privacy policies to their own customers at least annually ( except where exempted under section 75001 of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, codified at 15 U.S.C. 6803 ( f ) ), and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to \" opt out '' from such disclosure. \n\n\n\n>>They have violated this law along with many others as well because they have disclosed my personal financial information to unaffiliated third party 's such as Experian, XXXX, XXXX and XXXX knows who else without notice, consent or an opportunity to opt out. \n\nPlease handle accordingly.","date_sent_to_company":"2024-07-16T02:52:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32818","tags":null,"has_narrative":true,"complaint_id":"9519586","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-07-16T02:51:58.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":[">>This makes my social <em>security</em> card, drivers license/ID, and license plate credit cards because they <em>were</em> used for the extension of credit and or property."]},"sort":[6.9811316,"9519586"]},{"_index":"complaint-public-v1","_id":"16619422","_score":6.4335327,"_source":{"product":"Debt collection","complaint_what_happened":"The files reveal the contradictions and violation citations committed by XXXX XXXX and XXXX XXXX Bank XXXX XXXX. CFPB XXXX XXXX : XXXX XXXX XXXX XXXX XXXX * * Subject : * * Repeat Dispute Mishandling, Duplicate Responses from XXXX, and Reinsertion Violations Across All Three Bureaus * * Consumer Name : * * XXXX XXXX XXXX * * Account in Question : * * XXXX account ending in XXXX * * Previous CFPB Complaint IDs : * * - XXXX - XXXX -- - # # # Summary of Complaint : I am submitting this third complaint regarding Portfolio Recovery Associates , LLC XXXX XXXX ) and their continued furnishing of disputed information to Equifax, TransUnion, and Experian XXXX Despite submitting XXXX separate complaints through CFPB ( IDs listed above ), XXXX responded with * * identical boilerplate letters * * that failed to address the core contradictions in my dispute file. I submitted a full contradiction archive and copies of all three credit reports showing inconsistent reporting of the same XXXX account. XXXX did not provide full validation, did not reconcile the contradictions across bureaus, and did not notify me in writing before continuing to report the account * * a direct violation of FCRA XXXX ( a ) ( XXXX ) ( B ) * *. -- - # # # Violations Documented : - * * FCRA XXXX ( a ) ( XXXX ) ( B ) : * * XXXX continues reporting without notifying me in writing before reinsertion or correction. - * * FCRA XXXX ( a ) ( XXXX ) : * * XXXX furnishes information they know is disputed and potentially inaccurate. - * * FDCPA XXXX : * * Misrepresentation of resolution status and failure to cease collection activity. - * * CFPB XXXX Failure : * * CFPB closed both prior complaints despite unresolved contradictions and duplicate responses. -- - # # # Requested Action : XXXX. * * Reopen both prior complaints * * and investigate PRAs duplicate responses. XXXX. * * XXXX PRAs certification of accuracy * * and reinsertion logs across all three bureaus. XXXX. * * Require XXXX to provide full validation documentation * *, including chain of custody, billing history, and signed agreements. XXXX. * * Investigate CFPBs internal handling of repeat complaints * * and failure to escalate systemic contradiction. -- - # # # Supporting Documents : - PRAs duplicate response letters- Credit reports from Equifax, TransUnion, and Experian - Contradiction archive submitted via CFPB - Timeline of disputes and bureau responses To Whom It XXXX Concern, I am submitting this formal contradiction and override demand regarding the PRA Group account # XXXX, which has been inaccurately and inconsistently reported across Experian, Equifax, and TransUnion, and misrepresented by PRA Group in their response to the Consumer Financial Protection Bureau ( CFPB ). Below is a full forensic breakdown of the contradictions and breaches, followed by PRAs full response to the CFPB for direct comparison. EXPERIAN REPORT Provided by Me Account opened XX/XX/XXXX, status frozen since XX/XX/XXXX Balance updated XX/XX/XXXX, with no status refresh Monthly C ( Collection ) status from XX/XX/XXXX to XX/XX/XXXX No payments, no resolution, no verified activity Disputes logged : XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX Reinvestigation processed only in XX/XX/XXXX Consumer statement : THIS ACCOUNT SHOULD NOT BE IN COLLECTIONS AND SHOULD BE REMOVED FROM MY REPORT Bureau comment : Completed investigation of FCRA dispute consumer disagrees Contradiction : XXXX claims resolution, yet Experian shows unresolved dispute, delayed reinvestigation, and frozen status for 4 years. EQUIFAX REPORT Fully Expanded Date of Last Reported Update : XX/XX/XXXX Balance Amount : {$790.00} Date of First Delinquency : XX/XX/XXXX Date of Last Payment : Blank Actual Payment Amount : Blank Scheduled Payment Amount : Blank Date of Last Activity : Blank Charge-Off Amount : Blank Deferred Pay Start Date : Blank Balloon Pay Date : Blank Balloon Pay Amount : Blank Date Closed : Blank Status : Blank Type of Account : Open Type of Loan : Debt Buyer Whose Account : Individual Portfolio Indicator : Original Creditor Portfolio Status : XXXX XXXX Bank XXXX XXXX XXXX Account History Status Codes : Collection from XX/XX/XXXX to XX/XX/XXXX Dispute Status : Disputed from XX/XX/XXXX to Present Resolution Comment : Consumer disagrees after resolution Final Status Before Deletion : Collection account remains on report Current Status : dispute active Contradiction : XXXX claimed no dispute was received and that validation resolved the issue. Equifax shows a continuous dispute for XXXX years, unresolved status, confirming the data was unverifiable and or improperly furnished. TRANSUNION REPORT Provided by Me Account opened XX/XX/XXXX, balance {$790.00} Status frozen since XX/XX/XXXX, balance updated Sep 12, 2025 Monthly C ( Collection ) status from XX/XX/XXXX to XX/XX/XXXX Balance history : Static from XX/XX/XXXX to XX/XX/XXXX, {$0.00} paid Disputes logged : XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX Reinvestigation processed only in XX/XX/XXXX Consumer statement : THIS ACCOUNT SHOULD NOT BE IN COLLECTIONS AND SHOULD BE REMOVED FROM MY REPORT Bureau comment : Completed investigation of FCRA dispute consumer disagrees Contradiction : XXXX claims resolution, yet TransUnion continues reporting the account with no payment activity or verified updates. PRAs FULL CFPB RESPONSE both times the same boilerplate response provided by me Thank you for bringing this matter to our attention. Portfolio Recovery Associates , LLC ( XXXX ) takes compliance with all applicable XXXX, XXXX and local laws very seriously. We investigated the complaint and found no records supporting the allegation of misconduct, including, without limitation, that XXXX violated the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ) and/or any other misconduct cited in this complaint regarding the XXXX account XXXX in XXXX. We will continue to honor the request to cease all communications regarding the XXXX account unless otherwise permitted or required by applicable law. XXXX is a \" XXXX XXXX '' ; XXXX purchases delinquent debt from creditors to whom such debt is owed and seeks to collect such debt from those who owe such debt. In so doing, XXXX is committed to : obtain and maintain appropriate licenses and registrations to engage in its business practices in each jurisdiction in which it collects ; provide appropriate notifications ; validate account information ; investigate and resolve account-related disputes ; verify the integrity and accuracy of account information furnished to the consumer reporting agencies, Equifax, Experian and TransUnion ; XXXX and resolve credit reporting and identity theft related disputes ; and safeguard information, all in accordance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act as amended, the Gramm-Leach-Bliley Act ; implementing regulations of the Consumer Financial Protection Bureau ; and XXXX XXXX XXXX XXXX and local law, and XXXX guidelines. XXXX purchased the XXXX XXXX Bank ( XXXX ), XXXX. ( Capital XXXX ) XXXX credit card account ending in XXXX from Capital XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to XXXX XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$790.00} was due on the account at the time of XXXX purchase. We sent our initial notification letter to the consumer on or about XX/XX/XXXX. We have no record of a response, or a dispute being received in relation to our initial notification letter. Our records reflect that we subsequently received, investigated, and responded to a dispute regarding the account which was similar to the dispute made in this complaint. In response to that dispute, we sent the consumer a letter, a copy of which is attached, with validating documentation from the original account. The expiration of a statute of limitations limits PRAs ability to pursue legal actions but does not otherwise prohibit XXXX from contacting a consumer regarding a debt. XXXX furnished information from the account to the consumer reporting agencies in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau XXXX XXXX, state and local law, and industry guidelines. XXXX does not control the way in which the consumer reporting agencies report the information furnished by XXXX. Accordingly, any differences in their reporting of the information which XXXX furnishes is the responsibility of the consumer reporting agencies, not XXXX. In response to this complaint, we reinvestigated the account and are sending the consumer a letter with validating documentation from the original account. We believe that the validation provided resolved the dispute and no further steps in response to the complaint or follow-up actions are required at this time. Contradiction : PRAs response denies receiving disputes, claims resolution, and deflects responsibility to the bureaus. Yet all three bureaus show disputes, delayed reinvestigation, unresolved status, and Equifax has suppressed it and current disputes across all three bureaus and cfpb XXXX XXXX XXXX XXXX Portfolio Recovery Associates , LLC XXXX is known to : Report debts to credit bureaus for years without resolution File lawsuits against consumers who dont respond to collection attempts Misclassify accounts, such as reporting debt buyer accounts as open loans Delay or deny reinvestigation of disputes Blame credit bureaus for reporting errors that XXXX XXXX furnished These practices reflect a pattern of systemic abuse and data manipulation that directly contradict their claims to the CFPB and violate multiple provisions of the FCRA and FDCPA. CFPB XXXX XXXX XXXX Portfolio Recovery Associates , LLC XXXX CFPB Order Penalty : Over {$27.00} XXXX in consumer refunds and civil fines Violations : FDCPA : Deceptive debt collection practices XXXX : Misleading affidavits and false legal claims Key Findings : o Collected on unsubstantiated debt o Filed misleading affidavits in court o Misrepresented intent to prove debts if contested o Sued on time-barred debt ( outside statute of limitations ) o Claimed debts were legally enforceable when they were not XXXX was XXXX under a consent order prohibiting these practices going forward. XXXX CFPB Action Penalty : Over {$24.00} XXXX total {$12.00} XXXX in consumer restitution {$12.00} XXXX civil penalty to XXXX victims relief fund Violations : FCRA : Failure to properly investigate and resolve credit reporting disputes FDCPA : Continued illegal debt collection practices XXXX : Violated multiple provisions of the XXXX consent order Key Findings : Collected on unsubstantiated debt Sued consumers without documentation Threatened legal action without intent or basis Collected on time-barred debt without required disclosures Failed to provide validation documents within 30 days Blamed credit bureaus for XXXX XXXX XXXX XXXX CFPB XXXX XXXX XXXX XXXX XXXX a repeat offender, stating : After getting caught red-handed in XXXX, Portfolio Recovery Associates continued XXXX XXXX XXXX through intimidation, deception, and illegal debt collection tactics and lawsuits. Federal Trade Commission ( FTC ) Enforcement Portfolio Recovery Associates XXXX : XXXX Penalty : {$2.00} XXXX Cause : Deceptive debt collection practices and violations of the Fair Debt Collection Practices Act ( FDCPA ) Key Violations : XXXX was accused of misrepresenting consumers rights in debt collection notices Sent letters that falsely implied consumers could not dispute debts Failed to disclose that consumers had the right to request verification of the debt Misled consumers about the legal status and enforceability of time-barred debts Used language that threatened legal action without intent or basis FTC Findings XXXX XXXX collection letters violated Section XXXX of the FTC XXXX XXXX which prohibits unfair or deceptive practices XXXX also XXXX the FDCPA, specifically : o XXXX ( XXXX ) ( A ) : False representation of the character, amount, or legal status of any debt o XXXX ( XXXX ) : Use of false representation or deceptive means to collect a debt o XXXX ( a ) : Failure to notify consumers of their right to dispute the debt Outcome : XXXX agreed XXXX a consent decree with the FTC Required XXXX change its collection practices, including : o Clear disclosure of dispute rights o No threats of legal action unless substantiated o No collection on time-barred debts without proper notice How Federal Court Rulings Prove Your Case XXXX. Pattern of Misrepresentation Federal courts have ruled that XXXX : Sued consumers without documentation Misrepresented the validity and enforceability of debts Filed affidavits they knew were false or misleading Collected on time-barred debts without proper disclosures These rulings directly support your claim that XXXX : Reported unverifiable debt to credit bureaus Falsely claimed resolution to the CFPB Continued collection despite dispute and deletion XXXX. Violation of Dispute Rights In the XXXX CFPB judgment, the court found XXXX : Failed to investigate disputes Improperly rejected valid consumer disputes as frivolous Did not maintain policies to ensure accuracy of credit reporting This aligns with your Experian, Equifax, and TransUnion records showing : Delayed reinvestigation Ongoing disputes ignored for years No updates or corrections after dispute XXXX. Legal Precedent for Deletion The XXXX XXXX final judgment required XXXX to : Pay {$12.00} XXXX in consumer restitution Delete unverifiable accounts Reform dispute handling and credit reporting practices This sets a legal precedent that : XXXX reporting practices are unlawful Deletion is the correct remedy Consumers like you are entitled to relief XXXX. Repeat Offender Status Federal courts and agencies have labeled XXXX a repeat offender : Violated XXXX CFPB XXXX XXXX Fined again in XXXX for the same conduct Ignored prior federal mandates This proves systemic misconductnot an isolated errorand strengthens my demand for permanent deletion and regulatory review. My Leverage Federal rulings confirm : XXXX practices are legally documented violations my dispute history matches known patterns of abuse I am entitled to deletion, protection from reinsertion, and regulatory enforcement SECTION : Type of Account Open Misclassification by XXXX XXXX reported the account as Open on Equifax, which falsely implies : An active credit line or revolving account Ongoing access to borrowed funds A direct relationship between the consumer and the furnisher This is categorically false. The account is : A charged-off debt purchased by a third party Closed by the original creditor ( Capital XXXX ) Not open, revolving, or accessible to the consumer Violations FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing Inaccurate Information XXXX misrepresented XXXX account status, inflating credit utilization and misleading lenders. FCRA XXXX ( a ) ( XXXX ) Duty to Correct and Update XXXX failed to correct the misclassification after multiple disputes. FDCPA XXXX ( XXXX ) ( A ) False Representation of Legal Status Labeling a closed, charged-off debt as Open falsely implies ongoing liability and access. FCRA XXXX ( b ) CRA Duty to Ensure Maximum Possible Accuracy Equifax displayed a status that contradicts the original creditors records and PRAs own CFPB response. SECTION : Type of Loan Debt Buyer Misclassification by XXXX XXXX reported the Type of Loan as Debt Buyer across multiple bureaus. This is not a loan productits a description of PRAs business model. This classification : Does not reflect any loan agreement signed by the consumer Misrepresents the nature of the obligation Implies the consumer borrowed directly from XXXX, which is false Confuses asset ownership with consumer liability Violations FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing Inaccurate Information XXXX misclassified the loan type, misleading the nature and origin of the debt. FDCPA XXXX ( XXXX ) ( A ) False Representation of XXXX XXXX XXXX a third-party purchase as a direct loan is a false claim of origin and enforceability. FCRA XXXX ( a ) ( XXXX ) Duty to Correct and Update XXXX failed to update the loan type to reflect the original product ( e.g., credit card ). FCRA XXXX ( b ) CRA Duty to Ensure Maximum Possible Accuracy Credit bureaus accepted and displayed a misclassification that harms consumers and misleads underwriters. SECTION : Charge-Off, IRS Reporting XXXX and Ownership Contradiction XXXX XXXX Bank XXXX XXXX XXXX charged off the original account, which triggered a series of financial and legal events that directly contradict PRAs current reporting and collection practices. Charge-Off Process A charge-off is an accounting action where the original creditor declares the debt uncollectible and removes it from active assets. XXXX XXXX then claims the charged-off amount as a business loss on its annual tax filings, reducing taxable income. In many cases, the creditor also receives compensation through loss prevention insurance and or by selling the debt to a third-party buyer. IRS XXXX XXXX XXXX XXXX issued a Form XXXX ( Cancellation of Debt ), the debt is considered canceled under IRS regulations XXXX Once canceled, the debt is no longer legally enforceable, and any attempt to collect or report it XXXX constitute double recovery, which is unlawful. XXXX, as the purchaser, can not legally reclassify the debt as a new loan or report it as an XXXX account under the consumers name. Ownership Transfer and XXXX XXXX XXXX purchased the debt from XXXX XXXX as part of a portfolio of charged-off accounts. This transaction is strictly between XXXX and XXXX XXXX consumer was not a party to the sale. XXXX now owns the collection rights, but not the original contract or terms. Reporting the account as XXXX falsely implies an active relationship and ongoing liability, which violates federal law. Violations Triggered by Misclassification Federal Violations : FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing inaccurate information FCRA XXXX ( a ) ( XXXX ) Failure to correct and update after dispute FCRA XXXX ( a ) ( XXXX ) ( A ) Obligation to delete unverifiable or inaccurate data FCRA XXXX ( b ) Credit bureaus must ensure maximum possible accuracy FDCPA XXXX ( XXXX ) ( A ) False representation of the character or legal status of any debt FDCPA XXXX ( XXXX ) Use of deceptive means to collect a debt FDCPA XXXX ( a ) Failure to notify consumers of their right to dispute the debt IRS Violations ( if XXXX was issued ) : Improper collection on canceled debt False asset classification Potential double recovery Violation of IRS bad XXXX deduction rules Strategic Conclusion XXXX XXXX has XXXX claimed the debt as a loss and been compensated. PRAs reporting of this account as XXXX and XXXX XXXX misrepresents the legal status, origin, and enforceability of the debt. This contradiction supports permanent deletion under FCRA XXXX ( a ) ( XXXX ) ( A ), reinsertion protection under XXXX ( a ) ( XXXX ) ( B ), and regulatory review under CFPB and IRS enforcement guidelines. SECTION : XXXX Long-Term Ownership and Monetization Contradiction Portfolio Recovery Associates , LLC ( XXXX ) has held this account for a duration sufficient to trigger its own financial reporting obligations. Under IRS regulations and standard corporate accounting practices, XXXX has : Claimed the account as a business bad debt deduction under IRS Topic No. XXXX and Publication XXXX Reported the account as a business loss on its annual income tax filings Recovered the value through loss prevention insurance or internal portfolio write-downs IRS Bad XXXX Deduction Rules According to IRS Topic XXXX. XXXX and Publication XXXX : A business XXXX deduct a debt that becomes wholly or partially worthless during the tax year The deduction must be claimed in the year the debt is deemed uncollectible The business must demonstrate reasonable efforts to collect before declaring it worthless If XXXX : Held the account for multiple years Failed to collect any payments Continued reporting it as Open despite no verified activity Then, XXXX has already claimed the debt as worthless for tax purposeswhile still reporting it as active on consumer credit files. Insurance Recovery Risk XXXX : Insured its portfolio against non-performing assets Received compensation for this account Continued reporting or collecting on it Then, XXXX has engaged in double monetization, which could trigger insurance fraud exposure under state and federal law. Legal Contradiction XXXX can not : Claim the debt as a business loss Recover its value through tax deductions or insurance And still report the account as Open and collectible under the consumers name This contradiction violates : FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing inaccurate information FDCPA XXXX ( XXXX ) ( A ) False representation of legal status IRS XXXX XXXX collects on a canceled or deducted debt, it XXXX trigger unlawful double recovery Strategic Conclusion PRAs long-term ownership and monetization of this account contradict its continued reporting as an active liability. This supports permanent deletion under FCRA XXXX ( a ) ( XXXX ) ( A ), reinsertion protection under XXXX ( a ) ( XXXX ) ( B ), and regulatory review under CFPB, IRS, and insurance enforcement guidelines. DEMAND FOR ACTION I am requesting the following actions be taken immediately : XXXX. Permanent deletion of the PRA Group account # XXXX from Experian, Equifax, and TransUnion under FCRA XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). XXXX. Confirmation that no future furnishers, including PRA Group XXXX XXXX XXXX Bank XXXX XXXX, or any third-party collector, XXXX reinsert this account or any derivative into my credit reports without : o No updates, corrections, or reinsertions XXXX be made to my credit reports regarding any account furnished by Portfolio Recovery Associates , LLC ( XXXX ), Capital XXXX Bank XXXX XXXX XXXX XXXX any third-party debt collector or debt buyer, without my explicit written consent. Any attempt to do so without my agreement constitutes a violation of FCRA XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) ( XXXX ), and FDCPA XXXX o Notification to all bureaus per FCRA XXXX ( a ) ( XXXX ) ( B ) XXXX. XXXX review of XXXX XXXX misrepresentation to the CFPB and breach of reinvestigation timelines. XXXX. Investigate pra via CFPB, FTC, other law enforcement, and agencies This contradiction is now archived for legacy-grade breach documentation and survivor-centered override enforcement. here XXXX the XXXX boiler plate responses from pra llc that also are invalid Thank you for bringing this matter to our attention. Portfolio Recovery Associates , LLC ( XXXX ) investigated the complaint and verified the XXXX account ending in XXXX and the accuracy of the information we furnished to the consumer reporting agencies regarding the account in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau XXXX XXXX, state and local law, and industry guidelines. XXXX is a \" XXXX XXXX '' ; XXXX purchases delinquent debt from creditors to whom such debt is owed and seeks to collect such debt from those who owe such debt. In so doing, XXXX is committed to : obtain and maintain appropriate licenses and registrations to engage in its business practices in each jurisdiction in which it collects ; provide appropriate notifications ; validate account information ; investigate and resolve account-related disputes ; verify the integrity and accuracy of account information furnished to the consumer reporting agencies, Equifax, Experian and TransUnion ; XXXX and resolve credit reporting and identity theft related disputes ; and safeguard information, all in accordance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act as amended, the Gramm-Leach-Bliley Act ; implementing regulations of the Consumer Financial Protection Bureau ; and XXXX XXXX XXXX XXXX and local law, and XXXX guidelines. XXXX purchased the XXXX XXXX Bank ( XXXX ), XXXX. ( \" XXXX XXXX \" ) XXXX credit card account ending in XXXX from Capital XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to XXXX XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$790.00} was due on the account at the time of XXXX XXXX purchase. We sent our initial notification letter to the consumer on or about XX/XX/XXXX. We take compliance with all applicable state and federal laws very seriously. We have no record of a request or dispute being received in relation to our initial notification letter. XXXX furnished information regarding the account to the consumer reporting agencies in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau XXXX XXXX, state and local law, and industry guidelines. XXXX does not control the way in which the consumer reporting agencies report the information furnished by XXXX. Accordingly, any differences in their reporting of the information which XXXX furnishes is the responsibility of the consumer reporting agencies, not XXXX. Our records reflect that we subsequently received, investigated, and responded to several disputes regarding the account which were similar to the dispute made in this complaint. In response to those disputes, we verified the accuracy of the information we furnished to the consumer reporting agencies regarding the account and sent the consumer letters, a copy of XXXX which is attached, with validating documentation from the original account. In response to this complaint, we investigated the account and sent the consumer the attached letter with validating documentation from the original account. We believe that the validation provided resolved the dispute and no further steps in response to the complaint or follow-up actions are required at this time. XXXX XXXX bank XXXX XXXX response This complaint lists someone the company does not recognize as their customer or their customers authorized representative. We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit reporting or other personal consumer reports ISSUE Problem with a company 's investigation into an existing problem XXXX XXXX XXXX XXXX have the right to collect, but XXXX XXXX Bank XXXX XXXX XXXX XXXX am not on the account or an authorized user or representative of the account. Therefore, this seems to be an illegal and deceptive collection by XXXX XXXX. \npra llc boilerplate response Thank you for bringing this matter to our attention. Portfolio Recovery Associates , LLC ( XXXX ) investigated the complaint and verified the XXXX account ending in XXXX and the accuracy of the information we furnished to the consumer reporting agencies regarding the account in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau XXXX XXXX, state and local law, and industry guidelines. XXXX is a \" XXXX XXXX '' ; XXXX purchases delinquent debt from creditors to whom such debt is owed and seeks to collect such debt from those who owe such debt. In so doing, XXXX is committed to : obtain and maintain appropriate licenses and registrations to engage in its business practices in each jurisdiction in which it collects ; provide appropriate notifications ; validate account information ; investigate and resolve account-related disputes ; verify the integrity and accuracy of account information furnished to the consumer reporting agencies, Equifax, Experian and TransUnion ; XXXX and resolve credit reporting and identity theft related disputes ; and safeguard information, all in accordance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act as amended, the Gramm-Leach-Bliley Act ; implementing regulations of the Consumer Financial Protection Bureau ; and XXXX XXXX XXXX XXXX and local law, and XXXX guidelines. XXXX purchased the XXXX XXXX Bank ( XXXX ), XXXX. ( \" XXXX XXXX \" ) XXXX credit card account ending in XXXX from Capital XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to XXXX XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$790.00} was due on the account at the time of XXXX XXXX purchase. We sent our initial notification letter to the consumer on or about XX/XX/XXXX. We take compliance with all applicable state and federal laws very seriously. We have no record of a request or dispute being received in relation to our initial notification letter. XXXX furnished information regarding the account to the consumer reporting agencies in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau XXXX XXXX, state and local law, and industry guidelines. XXXX does not control the way in which the consumer reporting agencies report the information furnished by XXXX. Accordingly, any differences in their reporting of the information which XXXX furnishes is the responsibility of the consumer reporting agencies, not XXXX. Our records reflect that we subsequently received, investigated, and responded to several disputes regarding the account which were similar to the dispute made in this complaint. In response to those disputes, we verified the accuracy of the information we furnished to the consumer reporting agencies regarding the account and sent the consumer letters, a copy of XXXX which is attached, with validating documentation from the original account. In response to this complaint, we investigated the account and sent the consumer the attached letter with validating documentation from the original account. We believe that the validation provided resolved the dispute and no further steps in response to the complaint or follow-up actions are required at this time. \ncaptiol XXXX response XXXX responded there is an unauthorized third party on XX/XX/XXXX i have included all files","date_sent_to_company":"2025-10-16T09:42:26.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"315XX","tags":null,"has_narrative":true,"complaint_id":"16619422","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-10-16T09:31:56.000Z","state":"GA","company_public_response":null,"sub_issue":"Collected or attempted to collect exempt funds"},"highlight":{"complaint_what_happened":["Our records reflect that we subsequently received, investigated, and responded to several <em>disputes</em> regarding the account which <em>were</em> similar to the <em>dispute</em> made in this complaint. In response to those <em>disputes</em>, we verified the accuracy of the information we furnished to the consumer reporting agencies regarding the account and sent the consumer letters, a copy of XXXX which is attached, with validating <em>documentation</em> from the original account."]},"sort":[6.4335327,"16619422"]},{"_index":"complaint-public-v1","_id":"16636167","_score":6.3284636,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The files reveal the contradictions and violation citations committed by XXXX XXXX and XXXX XXXX Bank XXXX XXXX. \n\nCFPB Complaint Draft : Reinsertion Violation & Regulatory Failure * * Subject : * * Repeat Dispute Mishandling, Duplicate Responses from XXXX, and Reinsertion Violations Across All Three Bureaus * * Consumer Name : * * XXXX XXXX XXXX * * Account in Question : * * XXXX account ending in XXXX * * Previous CFPB Complaint IDs : * * - XXXX - XXXX -- - # # # Summary of Complaint : I am submitting this third complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and their continued furnishing of disputed information to Equifax, TransUnion, and Experian XXXX Despite submitting XXXX separate complaints through CFPB ( IDs listed above ), XXXX responded with * * identical boilerplate letters * * that failed to address the core contradictions in my dispute file. I submitted a full contradiction archive and copies of all three credit reports showing inconsistent reporting of the same XXXX account. XXXX did not provide full validation, did not reconcile the contradictions across bureaus, and did not notify me in writing before continuing to report the account * * a direct violation of FCRA XXXX ( a ) ( XXXX ) ( B ) * *. -- - # # # Violations Documented : - * * FCRA XXXX ( a ) ( XXXX ) ( B ) : * * XXXX continues reporting without notifying me in writing before reinsertion or correction. - * * FCRA XXXX ( a ) ( XXXX ) : * * XXXX furnishes information they know is disputed and potentially inaccurate. - * * FDCPA XXXX : * * Misrepresentation of resolution status and failure to cease collection activity. - * * CFPB XXXX Failure : * * CFPB closed both prior complaints despite unresolved contradictions and duplicate responses. -- - # # # Requested Action : XXXX. * * Reopen both prior complaints * * and investigate PRAs duplicate responses. XXXX. * * XXXX PRAs certification of accuracy * * and reinsertion logs across all three bureaus. XXXX. * * Require XXXX to provide full validation documentation * *, including chain of custody, billing history, and signed agreements. XXXX. * * Investigate CFPBs internal handling of repeat complaints * * and failure to escalate systemic contradiction. -- - # # # Supporting Documents : - PRAs duplicate response letters- Credit reports from Equifax, TransUnion, and Experian - Contradiction archive submitted via CFPB - Timeline of disputes and bureau responses To Whom It XXXX Concern, I am submitting this formal contradiction and override demand regarding the XXXX XXXX account # XXXX, which has been inaccurately and inconsistently reported across Experian, Equifax, and TransUnion, and misrepresented by XXXX XXXX in their response to the Consumer Financial Protection Bureau ( CFPB ). Below is a full forensic breakdown of the contradictions and breaches, followed by PRAs full response to the CFPB for direct comparison. EXPERIAN REPORT Provided by Me Account opened XX/XX/XXXX, status frozen since XX/XX/XXXX Balance updated XX/XX/XXXX, with no status refresh Monthly C ( Collection ) status from XX/XX/XXXX to XX/XX/XXXX No payments, no resolution, no verified activity Disputes logged : XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX Reinvestigation processed only in XX/XX/XXXX Consumer statement : THIS ACCOUNT SHOULD NOT BE IN COLLECTIONS AND SHOULD BE REMOVED FROM MY REPORT Bureau comment : Completed investigation of FCRA dispute consumer disagrees Contradiction : XXXX claims resolution, yet Experian shows unresolved dispute, delayed reinvestigation, and frozen status for 4 years. EQUIFAX REPORT Fully Expanded Date of Last Reported Update : XX/XX/XXXX Balance Amount : {$790.00} Date of First Delinquency : XX/XX/XXXX Date of Last Payment : Blank Actual Payment Amount : Blank Scheduled Payment Amount : Blank Date of Last Activity : Blank Charge-Off Amount : Blank Deferred Pay Start Date : Blank Balloon Pay Date : Blank Balloon Pay Amount : Blank Date Closed : Blank Status : Blank Type of Account : Open Type of Loan : Debt Buyer Whose Account : Individual Portfolio Indicator : Original Creditor Portfolio Status : XXXX XXXX Bank XXXX XXXX XXXX Account History Status Codes : Collection from XX/XX/XXXX to XX/XX/XXXX Dispute Status : Disputed from XX/XX/XXXX to Present Resolution Comment : Consumer disagrees after resolution Final Status Before Deletion : Collection account remains on report Current Status : dispute active Contradiction : XXXX claimed no dispute was received and that validation resolved the issue. Equifax shows a continuous dispute for XXXX years, unresolved status, confirming the data was unverifiable and or improperly furnished. TRANSUNION REPORT Provided by Me Account opened XX/XX/XXXX, balance {$790.00} Status frozen since XX/XX/XXXX, balance updated Sep 12, 2025 Monthly C ( Collection ) status from XX/XX/XXXX to XX/XX/XXXX Balance history : Static from XX/XX/XXXX to XX/XX/XXXX, {$0.00} paid Disputes logged : XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX Reinvestigation processed only in XX/XX/XXXX Consumer statement : THIS ACCOUNT SHOULD NOT BE IN COLLECTIONS AND SHOULD BE REMOVED FROM MY REPORT Bureau comment : Completed investigation of FCRA dispute consumer disagrees Contradiction : XXXX claims resolution, yet TransUnion continues reporting the account with no payment activity or verified updates. PRAs FULL CFPB RESPONSE both times the same boilerplate response provided by me Thank you for bringing this matter to our attention. XXXX XXXX XXXX XXXX XXXX ( XXXX ) takes compliance with all applicable XXXX, XXXX and local laws very seriously. We investigated the complaint and found no records supporting the allegation of misconduct, including, without limitation, that XXXX violated the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ) and/or any other misconduct cited in this complaint regarding the XXXX account XXXX in XXXX. We will continue to honor the request to cease all communications regarding the XXXX account unless otherwise permitted or required by applicable law. XXXX is a \" XXXX XXXX '' ; XXXX purchases delinquent debt from creditors to whom such debt is owed and seeks to collect such debt from those who owe such debt. In so doing, XXXX is committed to : obtain and maintain appropriate licenses and registrations to engage in its business practices in each jurisdiction in which it collects ; provide appropriate notifications ; validate account information ; investigate and resolve account-related disputes ; verify the integrity and accuracy of account information furnished to the consumer reporting agencies, Equifax, Experian and TransUnion ; XXXX and resolve credit reporting and identity theft related disputes ; and safeguard information, all in accordance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act as amended, the Gramm-Leach-Bliley Act ; implementing regulations of the Consumer Financial Protection Bureau ; and XXXX XXXX XXXX XXXX and local law, and XXXX guidelines. XXXX purchased the XXXX XXXX Bank ( XXXX ), XXXX. ( Capital XXXX ) XXXX credit card account ending in XXXX from Capital XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to XXXX XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$790.00} was due on the account at the time of XXXX purchase. We sent our initial notification letter to the consumer on or about XX/XX/XXXX. We have no record of a response, or a dispute being received in relation to our initial notification letter. Our records reflect that we subsequently received, investigated, and responded to a dispute regarding the account which was similar to the dispute made in this complaint. In response to that dispute, we sent the consumer a letter, a copy of which is attached, with validating documentation from the original account. The expiration of a statute of limitations limits PRAs ability to pursue legal actions but does not otherwise prohibit XXXX from contacting a consumer regarding a debt. XXXX furnished information from the account to the consumer reporting agencies in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau XXXX XXXX, state and local law, and industry guidelines. XXXX does not control the way in which the consumer reporting agencies report the information furnished by XXXX. Accordingly, any differences in their reporting of the information which XXXX furnishes is the responsibility of the consumer reporting agencies, not XXXX. In response to this complaint, we reinvestigated the account and are sending the consumer a letter with validating documentation from the original account. We believe that the validation provided resolved the dispute and no further steps in response to the complaint or follow-up actions are required at this time. Contradiction : PRAs response denies receiving disputes, claims resolution, and deflects responsibility to the bureaus. Yet all three bureaus show disputes, delayed reinvestigation, unresolved status, and Equifax has suppressed it and current disputes across all three bureaus and cfpb XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is known to : Report debts to credit bureaus for years without resolution File lawsuits against consumers who dont respond to collection attempts Misclassify accounts, such as reporting debt buyer accounts as open loans Delay or deny reinvestigation of disputes Blame credit bureaus for reporting errors that XXXX XXXX furnished These practices reflect a pattern of systemic abuse and data manipulation that directly contradict their claims to the CFPB and violate multiple provisions of the FCRA and FDCPA. CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB Order Penalty : Over {$27.00} XXXX in consumer refunds and civil fines Violations : FDCPA : Deceptive debt collection practices XXXX : Misleading affidavits and false legal claims Key Findings : o Collected on unsubstantiated debt o Filed misleading affidavits in court o Misrepresented intent to prove debts if contested o Sued on time-barred debt ( outside statute of limitations ) o Claimed debts were legally enforceable when they were not XXXX was XXXX under a consent order prohibiting these practices going forward. XXXX CFPB Action Penalty : Over {$24.00} XXXX total {$12.00} XXXX in consumer restitution {$12.00} XXXX civil penalty to XXXX victims relief fund Violations : FCRA : Failure to properly investigate and resolve credit reporting disputes FDCPA : Continued illegal debt collection practices XXXX : Violated multiple provisions of the XXXX consent order Key Findings : Collected on unsubstantiated debt Sued consumers without documentation Threatened legal action without intent or basis Collected on time-barred debt without required disclosures Failed to provide validation documents within 30 days Blamed credit bureaus for XXXX XXXX XXXX XXXX CFPB XXXX XXXX XXXX XXXX XXXX a XXXX offender, stating : After getting caught red-handed in XXXX, Portfolio Recovery Associates continued XXXX XXXX XXXX through intimidation, deception, and illegal debt collection tactics and lawsuits. Federal Trade Commission ( FTC ) Enforcement XXXX XXXX XXXXXXXX XXXX : XXXX Penalty : {$2.00} XXXX Cause : Deceptive debt collection practices and violations of the Fair Debt Collection Practices Act ( FDCPA ) Key Violations : XXXX was accused of misrepresenting consumers rights in debt collection notices Sent letters that falsely implied consumers could not dispute debts Failed to disclose that consumers had the right to request verification of the debt Misled consumers about the legal status and enforceability of time-barred debts Used language that threatened legal action without intent or basis FTC Findings XXXX XXXX collection letters violated Section XXXX of the FTC XXXX XXXX which prohibits unfair or deceptive practices XXXX also XXXX the FDCPA, specifically : o XXXX ( XXXX ) ( A ) : False representation of the character, amount, or legal status of any debt o XXXX ( XXXX ) : Use of false representation or deceptive means to collect a debt o XXXX ( a ) : Failure to notify consumers of their right to dispute the debt Outcome : XXXX agreed XXXX a consent decree with the FTC Required XXXX change its collection practices, including : o Clear disclosure of dispute rights o No threats of legal action unless substantiated o No collection on time-barred debts without proper notice How Federal Court Rulings Prove Your Case XXXX. Pattern of Misrepresentation Federal courts have ruled that XXXX : Sued consumers without documentation Misrepresented the validity and enforceability of debts Filed affidavits they knew were false or misleading Collected on time-barred debts without proper disclosures These rulings directly support your claim that XXXX : Reported unverifiable debt to credit bureaus Falsely claimed resolution to the CFPB Continued collection despite dispute and deletion XXXX. Violation of Dispute Rights In the XXXX CFPB judgment, the court found XXXX : Failed to investigate disputes Improperly rejected valid consumer disputes as frivolous Did not maintain policies to ensure accuracy of credit reporting This aligns with your Experian, Equifax, and TransUnion records showing : Delayed reinvestigation Ongoing disputes ignored for years No updates or corrections after dispute XXXX. Legal Precedent for Deletion The XXXX XXXX final judgment required XXXX to : Pay {$12.00} XXXX in consumer restitution Delete unverifiable accounts Reform dispute handling and credit reporting practices This sets a legal precedent that : XXXX reporting practices are unlawful Deletion is the correct remedy Consumers like you are entitled to relief XXXX. Repeat Offender Status Federal courts and agencies have labeled XXXX a repeat offender : Violated XXXX CFPB XXXX XXXX Fined again in XXXX for the same conduct Ignored prior federal mandates This proves systemic misconductnot an isolated errorand strengthens my demand for permanent deletion and regulatory review. My Leverage Federal rulings confirm : XXXX practices are legally documented violations my dispute history matches known patterns of abuse I am entitled to deletion, protection from reinsertion, and regulatory enforcement SECTION : Type of Account Open Misclassification by XXXX XXXX reported the account as Open on Equifax, which falsely implies : An active credit line or revolving account Ongoing access to borrowed funds A direct relationship between the consumer and the furnisher This is categorically false. The account is : A charged-off debt purchased by a third party Closed by the original creditor ( Capital XXXX ) Not open, revolving, or accessible to the consumer Violations FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing Inaccurate Information XXXX misrepresented XXXX account status, inflating credit utilization and misleading lenders. FCRA XXXX ( a ) ( XXXX ) Duty to Correct and Update XXXX failed to correct the misclassification after multiple disputes. FDCPA XXXX ( XXXX ) ( A ) False Representation of Legal Status Labeling a closed, charged-off debt as Open falsely implies ongoing liability and access. FCRA XXXX ( b ) CRA Duty to Ensure Maximum Possible Accuracy Equifax displayed a status that contradicts the original creditors records and PRAs own CFPB response. SECTION : Type of Loan Debt Buyer Misclassification by XXXX XXXX reported the Type of Loan as Debt Buyer across multiple bureaus. This is not a loan productits a description of PRAs business model. This classification : Does not reflect any loan agreement signed by the consumer Misrepresents the nature of the obligation Implies the consumer borrowed directly from XXXX, which is false Confuses asset ownership with consumer liability Violations FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing Inaccurate Information XXXX misclassified the loan type, misleading the nature and origin of the debt. FDCPA XXXX ( XXXX ) ( A ) False Representation of XXXX XXXX XXXX a third-party purchase as a direct loan is a false claim of origin and enforceability. FCRA XXXX ( a ) ( XXXX ) Duty to Correct and Update XXXX failed to update the loan type to reflect the original product ( e.g., credit card ). FCRA XXXX ( b ) CRA Duty to Ensure Maximum Possible Accuracy Credit bureaus accepted and displayed a misclassification that harms consumers and misleads underwriters. SECTION : Charge-Off, IRS Reporting XXXX and Ownership Contradiction XXXX XXXX Bank XXXX XXXX XXXX charged off the original account, which triggered a series of financial and legal events that directly contradict PRAs current reporting and collection practices. Charge-Off Process A charge-off is an accounting action where the original creditor declares the debt uncollectible and removes it from active assets. XXXX XXXX then claims the charged-off amount as a business loss on its annual tax filings, reducing taxable income. In many cases, the creditor also receives compensation through loss prevention insurance and or by selling the debt to a third-party buyer. IRS XXXX XXXX XXXX XXXX issued a Form XXXX ( Cancellation of Debt ), the debt is considered canceled under IRS regulations XXXX Once canceled, the debt is no longer legally enforceable, and any attempt to collect or report it XXXX constitute double recovery, which is unlawful. XXXX, as the purchaser, can not legally reclassify the debt as a new loan or report it as an XXXX account under the consumers name. Ownership Transfer and XXXX XXXX XXXX purchased the debt from XXXX XXXX as part of a portfolio of charged-off accounts. This transaction is strictly between XXXX and XXXX XXXX consumer was not a party to the sale. XXXX now owns the collection rights, but not the original contract or terms. Reporting the account as XXXX falsely implies an active relationship and ongoing liability, which violates federal law. Violations Triggered by Misclassification Federal Violations : FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing inaccurate information FCRA XXXX ( a ) ( XXXX ) Failure to correct and update after dispute FCRA XXXX ( a ) ( XXXX ) ( A ) Obligation to delete unverifiable or inaccurate data FCRA XXXX ( b ) Credit bureaus must ensure maximum possible accuracy FDCPA XXXX ( XXXX ) ( A ) False representation of the character or legal status of any debt FDCPA XXXX ( XXXX ) Use of deceptive means to collect a debt FDCPA XXXX ( a ) Failure to notify consumers of their right to dispute the debt IRS Violations ( if XXXX was issued ) : Improper collection on canceled debt False asset classification Potential double recovery Violation of IRS bad XXXX deduction rules Strategic Conclusion XXXX XXXX has XXXX claimed the debt as a loss and been compensated. PRAs reporting of this account as XXXX and XXXX XXXX misrepresents the legal status, origin, and enforceability of the debt. This contradiction supports permanent deletion under FCRA XXXX ( a ) ( XXXX ) ( A ), reinsertion protection under XXXX ( a ) ( XXXX ) ( B ), and regulatory review under CFPB and IRS enforcement guidelines. SECTION : XXXX Long-Term Ownership and Monetization Contradiction XXXX XXXX XXXX XXXX XXXX ( XXXX ) has held this account for a duration sufficient to trigger its own financial reporting obligations. Under IRS regulations and standard corporate accounting practices, XXXX has : Claimed the account as a business bad debt deduction under IRS Topic No. XXXX and Publication XXXX Reported the account as a business loss on its annual income tax filings Recovered the value through loss prevention insurance or internal portfolio write-downs IRS Bad XXXX Deduction Rules According to IRS Topic XXXX. XXXX and Publication XXXX : A business XXXX deduct a debt that becomes wholly or partially worthless during the tax year The deduction must be claimed in the year the debt is deemed uncollectible The business must demonstrate reasonable efforts to collect before declaring it worthless If XXXX : Held the account for multiple years Failed to collect any payments Continued reporting it as Open despite no verified activity Then, XXXX has already claimed the debt as worthless for tax purposeswhile still reporting it as active on consumer credit files. Insurance Recovery Risk XXXX : Insured its portfolio against non-performing assets Received compensation for this account Continued reporting or collecting on it Then, XXXX has engaged in double monetization, which could trigger insurance fraud exposure under state and federal law. Legal Contradiction XXXX can not : Claim the debt as a business loss Recover its value through tax deductions or insurance And still report the account as Open and collectible under the consumers name This contradiction violates : FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing inaccurate information FDCPA XXXX ( XXXX ) ( A ) False representation of legal status IRS XXXX XXXX collects on a canceled or deducted debt, it XXXX trigger unlawful double recovery Strategic Conclusion PRAs long-term ownership and monetization of this account contradict its continued reporting as an active liability. This supports permanent deletion under FCRA XXXX ( a ) ( XXXX ) ( A ), reinsertion protection under XXXX ( a ) ( XXXX ) ( B ), and regulatory review under CFPB, IRS, and insurance enforcement guidelines. DEMAND FOR ACTION I am requesting the following actions be taken immediately : XXXX. Permanent deletion of the XXXX XXXX account # XXXX from Experian, Equifax, and TransUnion under FCRA XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). XXXX. Confirmation that no future furnishers, including XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX, or any third-party collector, XXXX reinsert this account or any derivative into my credit reports without : o No updates, corrections, or reinsertions XXXX be made to my credit reports regarding any account furnished by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX any third-party debt collector or debt buyer, without my explicit written consent. Any attempt to do so without my agreement constitutes a violation of FCRA 611 ( a ) ( 5 ) ( B ), 623 ( a ) ( 3 ), and FDCPA XXXX o Notification to all bureaus per FCRA XXXX ( a ) ( XXXX ) ( B ) XXXX. XXXX review of XXXX XXXX misrepresentation to the CFPB and breach of reinvestigation timelines. XXXX. Investigate pra via CFPB, FTC, other law enforcement, and agencies This contradiction is now archived for legacy-grade breach documentation and survivor-centered override enforcement. \n\nhere XXXX the XXXX boiler plate responses from pra llc that also are invalid Thank you for bringing this matter to our attention. XXXX XXXX XXXX XXXX XXXX ( XXXX ) investigated the complaint and verified the XXXX account ending in XXXX and the accuracy of the information we furnished to the consumer reporting agencies regarding the account in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau Regulation V, state and local law, and industry guidelines. XXXX is a \" XXXX XXXX '' ; XXXX purchases delinquent debt from creditors to whom such debt is owed and seeks to collect such debt from those who owe such debt. In so doing, XXXX is committed to : obtain and maintain appropriate licenses and registrations to engage in its business practices in each jurisdiction in which it collects ; provide appropriate notifications ; validate account information ; investigate and resolve account-related disputes ; verify the integrity and accuracy of account information furnished to the consumer reporting agencies, EquifaxXXXX XXXX XXXX XXXX ; investigate and resolve credit reporting and identity theft related disputes ; and safeguard information, all in accordance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act as amended, the Gramm-Leach-Bliley Act ; implementing regulations of the Consumer Financial Protection Bureau ; and XXXX XXXX XXXX XXXX and local law, and XXXX guidelines. XXXX purchased the XXXX XXXX Bank ( XXXX ), XXXX. ( \" XXXX XXXX \" ) XXXX credit card account ending in XXXX from Capital XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to XXXX XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$790.00} was due on the account at the time of XXXX XXXX purchase. We sent our initial notification letter to the consumer on or about XX/XX/XXXX. We take compliance with all applicable state and federal laws very seriously. We have no record of a request or dispute being received in relation to our initial notification letter. XXXX furnished information regarding the account to the consumer reporting agencies in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau XXXX XXXX, state and local law, and industry guidelines. XXXX does not control the way in which the consumer reporting agencies report the information furnished by XXXX. Accordingly, any differences in their reporting of the information which XXXX furnishes is the responsibility of the consumer reporting agencies, not XXXX. Our records reflect that we subsequently received, investigated, and responded to several disputes regarding the account which were similar to the dispute made in this complaint. In response to those disputes, we verified the accuracy of the information we furnished to the consumer reporting agencies regarding the account and sent the consumer letters, a copy of XXXX which is attached, with validating documentation from the original account. In response to this complaint, we investigated the account and sent the consumer the attached letter with validating documentation from the original account. We believe that the validation provided resolved the dispute and no further steps in response to the complaint or follow-up actions are required at this time. \n\nXXXXXXXX XXXX XXXX XXXX XXXXXXXX response This complaint lists someone the company does not recognize as their customer or their customers authorized representative. \n\nWe reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. \nCompanies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. \nCOMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit reporting or other personal consumer reports ISSUE Problem with a company 's investigation into an existing problem XXXX XXXX XXXX XXXX have the right to collect, but XXXX XXXX Bank XXXX XXXX XXXX XXXX am not on the account or an authorized user or representative of the account. Therefore, this seems to be an illegal and deceptive collection by XXXX XXXX.","date_sent_to_company":"2025-10-16T09:30:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"315XX","tags":null,"has_narrative":true,"complaint_id":"16636167","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-16T09:30:28.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Our records reflect that we subsequently received, investigated, and responded to several <em>disputes</em> regarding the account which <em>were</em> similar to the <em>dispute</em> made in this complaint. In response to those <em>disputes</em>, we verified the accuracy of the information we furnished to the consumer reporting agencies regarding the account and sent the consumer letters, a copy of XXXX which is attached, with validating <em>documentation</em> from the original account."],"issue":["Problem with a company's investigation into an <em>existing</em> problem"]},"sort":[6.3284636,"16636167"]},{"_index":"complaint-public-v1","_id":"16636169","_score":6.323042,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The files reveal the contradictions and violation citations committed by XXXX XXXX and XXXX XXXX Bank XXXX XXXX. \n\nCFPB XXXX XXXX : XXXX XXXX XXXX XXXX XXXX * * Subject : * * Repeat Dispute Mishandling, Duplicate Responses from XXXX, and Reinsertion Violations Across All Three Bureaus * * Consumer Name : * * XXXX XXXX XXXX * * Account in Question : * * XXXX account ending in XXXX * * Previous CFPB Complaint IDs : * * - XXXX - XXXX -- - # # # Summary of Complaint : I am submitting this third complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and their continued furnishing of disputed information to Equifax, TransUnion, and Experian XXXX Despite submitting XXXX separate complaints through CFPB ( IDs listed above ), XXXX responded with * * identical boilerplate letters * * that failed to address the core contradictions in my dispute file. I submitted a full contradiction archive and copies of all three credit reports showing inconsistent reporting of the same XXXX account. XXXX did not provide full validation, did not reconcile the contradictions across bureaus, and did not notify me in writing before continuing to report the account * * a direct violation of FCRA XXXX ( a ) ( XXXX ) ( B ) * *. -- - # # # Violations Documented : - * * FCRA XXXX ( a ) ( XXXX ) ( B ) : * * XXXX continues reporting without notifying me in writing before reinsertion or correction. - * * FCRA XXXX ( a ) ( XXXX ) : * * XXXX furnishes information they know is disputed and potentially inaccurate. - * * FDCPA XXXX : * * Misrepresentation of resolution status and failure to cease collection activity. - * * CFPB XXXX Failure : * * CFPB closed both prior complaints despite unresolved contradictions and duplicate responses. -- - # # # Requested Action : XXXX. * * Reopen both prior complaints * * and investigate PRAs duplicate responses. XXXX. * * XXXX PRAs certification of accuracy * * and reinsertion logs across all three bureaus. XXXX. * * Require XXXX to provide full validation documentation * *, including chain of custody, billing history, and signed agreements. XXXX. * * Investigate CFPBs internal handling of repeat complaints * * and failure to escalate systemic contradiction. -- - # # # Supporting Documents : - PRAs duplicate response letters- Credit reports from Equifax, TransUnion, and Experian - Contradiction archive submitted via CFPB - Timeline of disputes and bureau responses To Whom It XXXX Concern, I am submitting this formal contradiction and override demand regarding the XXXX XXXX account # XXXX, which has been inaccurately and inconsistently reported across Experian, Equifax, and TransUnion, and misrepresented by XXXX XXXX in their response to the Consumer Financial Protection Bureau ( CFPB ). Below is a full forensic breakdown of the contradictions and breaches, followed by PRAs full response to the CFPB for direct comparison. EXPERIAN REPORT Provided by Me Account opened XX/XX/XXXX, status frozen since XX/XX/XXXX Balance updated XX/XX/XXXX, with no status refresh Monthly C ( Collection ) status from XX/XX/XXXX to XX/XX/XXXX No payments, no resolution, no verified activity Disputes logged : XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX Reinvestigation processed only in XX/XX/XXXX Consumer statement : THIS ACCOUNT SHOULD NOT BE IN COLLECTIONS AND SHOULD BE REMOVED FROM MY REPORT Bureau comment : Completed investigation of FCRA dispute consumer disagrees Contradiction : XXXX claims resolution, yet Experian shows unresolved dispute, delayed reinvestigation, and frozen status for 4 years. EQUIFAX REPORT Fully Expanded Date of Last Reported Update : XX/XX/XXXX Balance Amount : {$790.00} Date of First Delinquency : XX/XX/XXXX Date of Last Payment : Blank Actual Payment Amount : Blank Scheduled Payment Amount : Blank Date of Last Activity : Blank Charge-Off Amount : Blank Deferred Pay Start Date : Blank Balloon Pay Date : Blank Balloon Pay Amount : Blank Date Closed : Blank Status : Blank Type of Account : Open Type of Loan : Debt Buyer Whose Account : Individual Portfolio Indicator : Original Creditor Portfolio Status : XXXX XXXX Bank XXXX XXXX XXXX Account History Status Codes : Collection from XX/XX/XXXX to XX/XX/XXXX Dispute Status : Disputed from XX/XX/XXXX to Present Resolution Comment : Consumer disagrees after resolution Final Status Before Deletion : Collection account remains on report Current Status : dispute active Contradiction : XXXX claimed no dispute was received and that validation resolved the issue. Equifax shows a continuous dispute for XXXX years, unresolved status, confirming the data was unverifiable and or improperly furnished. TRANSUNION REPORT Provided by Me Account opened XX/XX/XXXX, balance {$790.00} Status frozen since XX/XX/XXXX, balance updated Sep 12, 2025 Monthly C ( Collection ) status from XX/XX/XXXX to XX/XX/XXXX Balance history : Static from XX/XX/XXXX to XX/XX/XXXX, {$0.00} paid Disputes logged : XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX Reinvestigation processed only in XX/XX/XXXX Consumer statement : THIS ACCOUNT SHOULD NOT BE IN COLLECTIONS AND SHOULD BE REMOVED FROM MY REPORT Bureau comment : Completed investigation of FCRA dispute consumer disagrees Contradiction : XXXX claims resolution, yet TransUnion continues reporting the account with no payment activity or verified updates. PRAs FULL CFPB RESPONSE both times the same boilerplate response provided by me Thank you for bringing this matter to our attention. XXXX XXXX XXXX XXXX XXXX ( XXXX ) takes compliance with all applicable XXXX, XXXX and local laws very seriously. We investigated the complaint and found no records supporting the allegation of misconduct, including, without limitation, that XXXX violated the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ) and/or any other misconduct cited in this complaint regarding the XXXX account XXXX in XXXX. We will continue to honor the request to cease all communications regarding the XXXX account unless otherwise permitted or required by applicable law. XXXX is a \" XXXX XXXX '' ; XXXX purchases delinquent debt from creditors to whom such debt is owed and seeks to collect such debt from those who owe such debt. In so doing, XXXX is committed to : obtain and maintain appropriate licenses and registrations to engage in its business practices in each jurisdiction in which it collects ; provide appropriate notifications ; validate account information ; investigate and resolve account-related disputes ; verify the integrity and accuracy of account information furnished to the consumer reporting agencies, Equifax, Experian and TransUnion ; XXXX and resolve credit reporting and identity theft related disputes ; and safeguard information, all in accordance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act as amended, the Gramm-Leach-Bliley Act ; implementing regulations of the Consumer Financial Protection Bureau ; and XXXX XXXX XXXX XXXX and local law, and XXXX guidelines. XXXX purchased the XXXX XXXX Bank ( XXXX ), XXXX. ( Capital XXXX ) XXXX credit card account ending in XXXX from Capital XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to XXXX XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$790.00} was due on the account at the time of XXXX purchase. We sent our initial notification letter to the consumer on or about XX/XX/XXXX. We have no record of a response, or a dispute being received in relation to our initial notification letter. Our records reflect that we subsequently received, investigated, and responded to a dispute regarding the account which was similar to the dispute made in this complaint. In response to that dispute, we sent the consumer a letter, a copy of which is attached, with validating documentation from the original account. The expiration of a statute of limitations limits PRAs ability to pursue legal actions but does not otherwise prohibit XXXX from contacting a consumer regarding a debt. XXXX furnished information from the account to the consumer reporting agencies in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau XXXX XXXX, state and local law, and industry guidelines. XXXX does not control the way in which the consumer reporting agencies report the information furnished by XXXX. Accordingly, any differences in their reporting of the information which XXXX furnishes is the responsibility of the consumer reporting agencies, not XXXX. In response to this complaint, we reinvestigated the account and are sending the consumer a letter with validating documentation from the original account. We believe that the validation provided resolved the dispute and no further steps in response to the complaint or follow-up actions are required at this time. Contradiction : PRAs response denies receiving disputes, claims resolution, and deflects responsibility to the bureaus. Yet all three bureaus show disputes, delayed reinvestigation, unresolved status, and Equifax has suppressed it and current disputes across all three bureaus and cfpb XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is known to : Report debts to credit bureaus for years without resolution File lawsuits against consumers who dont respond to collection attempts Misclassify accounts, such as reporting debt buyer accounts as open loans Delay or deny reinvestigation of disputes Blame credit bureaus for reporting errors that XXXX XXXX furnished These practices reflect a pattern of systemic abuse and data manipulation that directly contradict their claims to the CFPB and violate multiple provisions of the FCRA and FDCPA. CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB Order Penalty : Over {$27.00} XXXX in consumer refunds and civil fines Violations : FDCPA : Deceptive debt collection practices XXXX : Misleading affidavits and false legal claims Key Findings : o Collected on unsubstantiated debt o Filed misleading affidavits in court o Misrepresented intent to prove debts if contested o Sued on time-barred debt ( outside statute of limitations ) o Claimed debts were legally enforceable when they were not XXXX was XXXX under a consent order prohibiting these practices going forward. XXXX CFPB Action Penalty : Over {$24.00} XXXX total {$12.00} XXXX in consumer restitution {$12.00} XXXX civil penalty to XXXX victims relief fund Violations : FCRA : Failure to properly investigate and resolve credit reporting disputes FDCPA : Continued illegal debt collection practices XXXX : Violated multiple provisions of the XXXX consent order Key Findings : Collected on unsubstantiated debt Sued consumers without documentation Threatened legal action without intent or basis Collected on time-barred debt without required disclosures Failed to provide validation documents within 30 days Blamed credit bureaus for XXXX XXXX XXXX XXXX CFPB XXXX XXXX XXXX XXXX XXXX a repeat offender, stating : After getting caught red-handed in XXXX, Portfolio Recovery Associates continued XXXX XXXX XXXX through intimidation, deception, and illegal debt collection tactics and lawsuits. Federal Trade Commission ( FTC ) Enforcement Portfolio XXXX XXXX XXXX : XXXX Penalty : {$2.00} XXXX Cause : Deceptive debt collection practices and violations of the Fair Debt Collection Practices Act ( FDCPA ) Key Violations : XXXX was accused of misrepresenting consumers rights in debt collection notices Sent letters that falsely implied consumers could not dispute debts Failed to disclose that consumers had the right to request verification of the debt Misled consumers about the legal status and enforceability of time-barred debts Used language that threatened legal action without intent or basis FTC Findings XXXX XXXX collection letters violated Section XXXX of the FTC XXXX XXXX which prohibits unfair or deceptive practices XXXX also XXXX the FDCPA, specifically : o XXXX ( XXXX ) ( A ) : False representation of the character, amount, or legal status of any debt o XXXX ( XXXX ) : Use of false representation or deceptive means to collect a debt o XXXX ( a ) : Failure to notify consumers of their right to dispute the debt Outcome : XXXX agreed XXXX a consent decree with the FTC Required XXXX change its collection practices, including : o Clear disclosure of dispute rights o No threats of legal action unless substantiated o No collection on time-barred debts without proper notice How Federal Court Rulings Prove Your Case XXXX. Pattern of Misrepresentation Federal courts have ruled that XXXX : Sued consumers without documentation Misrepresented the validity and enforceability of debts Filed affidavits they knew were false or misleading Collected on time-barred debts without proper disclosures These rulings directly support your claim that XXXX : Reported unverifiable debt to credit bureaus Falsely claimed resolution to the CFPB Continued collection despite dispute and deletion XXXX. Violation of Dispute Rights In the XXXX CFPB judgment, the court found XXXX : Failed to investigate disputes Improperly rejected valid consumer disputes as frivolous Did not maintain policies to ensure accuracy of credit reporting This aligns with your Experian, Equifax, and TransUnion records showing : Delayed reinvestigation Ongoing disputes ignored for years No updates or corrections after dispute XXXX. Legal Precedent for Deletion The XXXX XXXX final judgment required XXXX to : Pay {$12.00} XXXX in consumer restitution Delete unverifiable accounts Reform dispute handling and credit reporting practices This sets a legal precedent that : XXXX reporting practices are unlawful Deletion is the correct remedy Consumers like you are entitled to relief XXXX. Repeat Offender Status Federal courts and agencies have labeled XXXX a repeat offender : Violated XXXX CFPB XXXX XXXX Fined again in XXXX for the same conduct Ignored prior federal mandates This proves systemic misconductnot an isolated errorand strengthens my demand for permanent deletion and regulatory review. My Leverage Federal rulings confirm : XXXX practices are legally documented violations my dispute history matches known patterns of abuse I am entitled to deletion, protection from reinsertion, and regulatory enforcement SECTION : Type of Account Open Misclassification by XXXX XXXX reported the account as Open on Equifax, which falsely implies : An active credit line or revolving account Ongoing access to borrowed funds A direct relationship between the consumer and the furnisher This is categorically false. The account is : A charged-off debt purchased by a third party Closed by the original creditor ( Capital XXXX ) Not open, revolving, or accessible to the consumer Violations FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing Inaccurate Information XXXX misrepresented XXXX account status, inflating credit utilization and misleading lenders. FCRA XXXX ( a ) ( XXXX ) Duty to Correct and Update XXXX failed to correct the misclassification after multiple disputes. FDCPA XXXX ( XXXX ) ( A ) False Representation of Legal Status Labeling a closed, charged-off debt as Open falsely implies ongoing liability and access. FCRA XXXX ( b ) CRA Duty to Ensure Maximum Possible Accuracy Equifax displayed a status that contradicts the original creditors records and PRAs own CFPB response. SECTION : Type of Loan Debt Buyer Misclassification by XXXX XXXX reported the Type of Loan as Debt Buyer across multiple bureaus. This is not a loan productits a description of PRAs business model. This classification : Does not reflect any loan agreement signed by the consumer Misrepresents the nature of the obligation Implies the consumer borrowed directly from XXXX, which is false Confuses asset ownership with consumer liability Violations FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing Inaccurate Information XXXX misclassified the loan type, misleading the nature and origin of the debt. FDCPA XXXX ( XXXX ) ( A ) False Representation of XXXX XXXX XXXX a third-party purchase as a direct loan is a false claim of origin and enforceability. FCRA XXXX ( a ) ( XXXX ) Duty to Correct and Update XXXX failed to update the loan type to reflect the original product ( e.g., credit card ). FCRA XXXX ( b ) CRA Duty to Ensure Maximum Possible Accuracy Credit bureaus accepted and displayed a misclassification that harms consumers and misleads underwriters. SECTION : Charge-Off, IRS Reporting XXXX and Ownership Contradiction XXXX XXXX Bank XXXX XXXX XXXX charged off the original account, which triggered a series of financial and legal events that directly contradict PRAs current reporting and collection practices. Charge-Off Process A charge-off is an accounting action where the original creditor declares the debt uncollectible and removes it from active assets. XXXX XXXX then claims the charged-off amount as a business loss on its annual tax filings, reducing taxable income. In many cases, the creditor also receives compensation through loss prevention insurance and or by selling the debt to a third-party buyer. IRS XXXX XXXX XXXX XXXX issued a Form XXXX ( Cancellation of Debt ), the debt is considered canceled under IRS regulations XXXX Once canceled, the debt is no longer legally enforceable, and any attempt to collect or report it XXXX constitute double recovery, which is unlawful. XXXX, as the purchaser, can not legally reclassify the debt as a new loan or report it as an XXXX account under the consumers name. Ownership Transfer and XXXX XXXX XXXX purchased the debt from XXXX XXXX as part of a portfolio of charged-off accounts. This transaction is strictly between XXXX and XXXX XXXX consumer was not a party to the sale. XXXX now owns the collection rights, but not the original contract or terms. Reporting the account as XXXX falsely implies an active relationship and ongoing liability, which violates federal law. Violations Triggered by Misclassification Federal Violations : FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing inaccurate information FCRA XXXX ( a ) ( XXXX ) Failure to correct and update after dispute FCRA XXXX ( a ) ( XXXX ) ( A ) Obligation to delete unverifiable or inaccurate data FCRA XXXX ( b ) Credit bureaus must ensure maximum possible accuracy FDCPA XXXX ( XXXX ) ( A ) False representation of the character or legal status of any debt FDCPA XXXX ( XXXX ) Use of deceptive means to collect a debt FDCPA XXXX ( a ) Failure to notify consumers of their right to dispute the debt IRS Violations ( if XXXX was issued ) : Improper collection on canceled debt False asset classification Potential double recovery Violation of IRS bad XXXX deduction rules Strategic Conclusion XXXX XXXX has XXXX claimed the debt as a loss and been compensated. PRAs reporting of this account as XXXX and XXXX XXXX misrepresents the legal status, origin, and enforceability of the debt. This contradiction supports permanent deletion under FCRA XXXX ( a ) ( XXXX ) ( A ), reinsertion protection under XXXX ( a ) ( XXXX ) ( B ), and regulatory review under CFPB and IRS enforcement guidelines. SECTION : XXXX Long-Term Ownership and Monetization Contradiction XXXX XXXX XXXX XXXX XXXX ( XXXX ) has held this account for a duration sufficient to trigger its own financial reporting obligations. Under IRS regulations and standard corporate accounting practices, XXXX has : Claimed the account as a business bad debt deduction under IRS Topic No. XXXX and Publication XXXX Reported the account as a business loss on its annual income tax filings Recovered the value through loss prevention insurance or internal portfolio write-downs IRS Bad XXXX Deduction Rules According to IRS Topic XXXX. XXXX and Publication XXXX : A business XXXX deduct a debt that becomes wholly or partially worthless during the tax year The deduction must be claimed in the year the debt is deemed uncollectible The business must demonstrate reasonable efforts to collect before declaring it worthless If XXXX : Held the account for multiple years Failed to collect any payments Continued reporting it as Open despite no verified activity Then, XXXX has already claimed the debt as worthless for tax purposeswhile still reporting it as active on consumer credit files. Insurance Recovery Risk XXXX : Insured its portfolio against non-performing assets Received compensation for this account Continued reporting or collecting on it Then, XXXX has engaged in double monetization, which could trigger insurance fraud exposure under state and federal law. Legal Contradiction XXXX can not : Claim the debt as a business loss Recover its value through tax deductions or insurance And still report the account as Open and collectible under the consumers name This contradiction violates : FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing inaccurate information FDCPA XXXX ( XXXX ) ( A ) False representation of legal status IRS XXXX XXXX collects on a canceled or deducted debt, it XXXX trigger unlawful double recovery Strategic Conclusion PRAs long-term ownership and monetization of this account contradict its continued reporting as an active liability. This supports permanent deletion under FCRA XXXX ( a ) ( XXXX ) ( A ), reinsertion protection under XXXX ( a ) ( XXXX ) ( B ), and regulatory review under CFPB, IRS, and insurance enforcement guidelines. DEMAND FOR ACTION I am requesting the following actions be taken immediately : XXXX. Permanent deletion of the XXXX XXXX account # XXXX from Experian, Equifax, and TransUnion under FCRA XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). XXXX. Confirmation that no future furnishers, including XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX, or any third-party collector, XXXX reinsert this account or any derivative into my credit reports without : o No updates, corrections, or reinsertions XXXX be made to my credit reports regarding any account furnished by XXXX XXXX XXXX XXXX XXXX ( XXXX ), Capital XXXX Bank XXXX XXXX XXXX XXXX any third-party debt collector or debt buyer, without my explicit written consent. Any attempt to do so without my agreement constitutes a violation of FCRA XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) ( XXXX ), and FDCPA XXXX o Notification to all bureaus per FCRA XXXX ( a ) ( XXXX ) ( B ) XXXX. XXXX review of XXXX XXXX misrepresentation to the CFPB and breach of reinvestigation timelines. XXXX. Investigate pra via CFPB, FTC, other law enforcement, and agencies This contradiction is now archived for legacy-grade breach documentation and survivor-centered override enforcement. \n\nhere XXXX the XXXX boiler plate responses from pra llc that also are invalid Thank you for bringing this matter to our attention. XXXX XXXX XXXX XXXX XXXX ( XXXX ) investigated the complaint and verified the XXXX account ending in XXXX and the accuracy of the information we furnished to the consumer reporting agencies regarding the account in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau XXXX XXXX, state and local law, and industry guidelines. XXXX is a \" XXXX XXXX '' ; XXXX purchases delinquent debt from creditors to whom such debt is owed and seeks to collect such debt from those who owe such debt. In so doing, XXXX is committed to : obtain and maintain appropriate licenses and registrations to engage in its business practices in each jurisdiction in which it collects ; provide appropriate notifications ; validate account information ; investigate and resolve account-related disputes ; verify the integrity and accuracy of account information furnished to the consumer reporting agencies, Equifax, Experian and TransUnion ; XXXX and resolve credit reporting and identity theft related disputes ; and safeguard information, all in accordance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act as amended, the Gramm-Leach-Bliley Act ; implementing regulations of the Consumer Financial Protection Bureau ; and XXXX XXXX XXXX XXXX and local law, and XXXX guidelines. XXXX purchased the XXXX XXXX Bank ( XXXX ), XXXX. ( \" XXXX XXXX \" ) XXXX credit card account ending in XXXX from Capital XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to XXXX XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$790.00} was due on the account at the time of XXXX XXXX purchase. We sent our initial notification letter to the consumer on or about XX/XX/XXXX. We take compliance with all applicable state and federal laws very seriously. We have no record of a request or dispute being received in relation to our initial notification letter. XXXX furnished information regarding the account to the consumer reporting agencies in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau XXXX XXXX, state and local law, and industry guidelines. XXXX does not control the way in which the consumer reporting agencies report the information furnished by XXXX. Accordingly, any differences in their reporting of the information which XXXX furnishes is the responsibility of the consumer reporting agencies, not XXXX. Our records reflect that we subsequently received, investigated, and responded to several disputes regarding the account which were similar to the dispute made in this complaint. In response to those disputes, we verified the accuracy of the information we furnished to the consumer reporting agencies regarding the account and sent the consumer letters, a copy of XXXX which is attached, with validating documentation from the original account. In response to this complaint, we investigated the account and sent the consumer the attached letter with validating documentation from the original account. We believe that the validation provided resolved the dispute and no further steps in response to the complaint or follow-up actions are required at this time. \n\nXXXX XXXX bank XXXX XXXX response This complaint lists someone the company does not recognize as their customer or their customers authorized representative. \n\nWe reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. \nCompanies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. \nCOMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit reporting or other personal consumer reports ISSUE Problem with a company 's investigation into an existing problem XXXX XXXX XXXX XXXX have the right to collect, but XXXX XXXX Bank XXXX XXXX XXXX XXXX am not on the account or an authorized user or representative of the account. Therefore, this seems to be an illegal and deceptive collection by XXXX XXXX.","date_sent_to_company":"2025-10-16T09:30:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"315XX","tags":null,"has_narrative":true,"complaint_id":"16636169","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-16T09:30:28.000Z","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":["Our records reflect that we subsequently received, investigated, and responded to several <em>disputes</em> regarding the account which <em>were</em> similar to the <em>dispute</em> made in this complaint. In response to those <em>disputes</em>, we verified the accuracy of the information we furnished to the consumer reporting agencies regarding the account and sent the consumer letters, a copy of XXXX which is attached, with validating <em>documentation</em> from the original account."],"issue":["Problem with a company's investigation into an <em>existing</em> problem"]},"sort":[6.323042,"16636169"]},{"_index":"complaint-public-v1","_id":"9317301","_score":5.9295745,"_source":{"product":"Mortgage","complaint_what_happened":"I have been contacting PHH and XXXX mortgage for over a year trying to get the mortgage modified. The lender continues to avoid me. I began keeping records of my calls with the company. They are telling me that the foreclosure date is XX/XX/XXXX. I sent in a Debt Validation letter by mail, email, fax, and overnight mail. I am waiting on a response. Below is the letter I sent : From The Desk of XXXX XXXX All Rights Reserved NOTICE : THIS IS A CONTINUED ATTEMPT TO VALIDATE A DEBT ; NOTICE REQUEST FOR FULL DISCLOSURE OF ALL ACTIVITY CONCERNING XXXX XXXX XXXX XXXX AS IT PERTAINS TO PHH MORTGAGE XXXX PHH MORTGAGE REPRESENTATIVE ( XXXX WITH AGENT ID : XXXX ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX AND IT'S AGENTS ; NOTICE CLAIM OF FRAUD Under the Federal Debt Collection Practices Act, 15 USC 1692g Sec 809 ( b ), UCC 9-105 CONTROL of ELECTRONIC CHATTLE PAPER, Pursuant to FEDERAL REGULATION E, I now exercise my legal right to challenge the validity of this debt I stand accused of, as well as, taking SOLE ownership/control of all accounts, Group Policies, account numbers, bonds, their contents and or EQUITABLE EQUITY as it relates to XXXX XXXX XXXX AS IT PERTAINS TO PHH MORTGAGE AND IT'S AGENTS XXXX \n\nFrom : in XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland [ XXXX ] Real land, united states of America XXXX XXXX PHH MORTGAGE AND IT'S AGENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA XXXX XXXX : Loan # XXXX, XXXX, ( XXXX XXXX XXXX, XXXX, MD XXXX ) Date : XX/XX/XXXX RE : Status : OPEN ACCOUNT Date Opened : XXXX by PHH MORTGAGE, PHH MORTGAGE REPRESENTATIVE ( XXXX XXXX XXXX ID XXXX XXXX ), XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX AND IT'S AGENTS as requested here in : DUE : {$130000.00} FINANCE CHARGE : UNKNOWN To PHH MORTGAGE, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX AND IT'S AGENTS and or Whom it may concern and all involved PARTIES, staff ect : This letter is being sent to you in response to an alleged claim of debt with the above No ( s ) as specified, and such recording was viewed by the account administrator XXXX XXXX. Be advised that this is not a refusal to pay, but a notice pursuant to the Fair Debt Collections Practices Act, 15 USC 1692g Sec 809 ( b ) that your claim is disputed and validation is requested. This is a lawful request in accords with the aforementioned and the following : U.C.C. - Article 3 NEGOTIABLE INSTRUMENTS, DISHONOR 3-501. PRESENTMENT.\n\n( a ) \" Presentment '' means a demand made by or on behalf of a person entitled to enforce an instrument ( i ) to pay the instrument made to the drawee or a party obliged to pay the instrument or, in the case of a note or accepted draft payable at a bank, to the bank, or ( ii ) to accept a draft made to the drawee.\n\n( b ) The following rules are subject to Article 4, agreement of the parties, and clearing-house rules and the like : ( 1 ) Presentment may be made at the place of payment of the instrument and must be made at the place of payment if the instrument is payable at a bank in the United States ; may be made by any commercially reasonable means, including an oral, written, or electronic communication ; is effective when the demand for payment or acceptance is received by the person to whom presentment is made ; and is effective if made to any one of two or more makers, acceptors, drawees, or other payors.\n\n( 2 ) Upon demand of the person to whom presentment is made, the person making presentment must ( i ) exhibit the instrument, ( ii ) give reasonable identification and, if presentment is made on behalf of another person, reasonable evidence of authority to do so, and ( iii ) sign a receipt on the instrument for any payment made or surrender the instrument if full payment is made.\n\n( 3 ) Without dishonoring the instrument, the party to whom presentment is made may ( i ) return the instrument for lack of a necessary endorsement, or ( ii ) refuse payment or acceptance for failure of the presentment to comply with the terms of the instrument, an agreement of the parties, or other applicable law or rule.\n\n( 4 ) The party to whom presentment is made may treat presentment as occurring on the next business day after the day of presentment if the party to whom presentment is made has established a cut-off hour not earlier than 2 p.m. for the receipt and processing of instruments presented for payment or acceptance and presentment is made after the cut-off hour.\n\nBy refusing to supply, you will be violating the law and my rights under UCC. VALIDATION must be made pursuant to the above named Title and Section ( s ) ( as well as both Federal and Local laws ). I respectfully request that your offices provide me with competent evidence that I have any legal obligation to continue to pay you. \nPlease provide me with the following : * What monies DO you claim XXXX XXXX XXXX XXXX OWES and it's COLLATERAL, as well as invoice and accounting for all. \n* Explain and show how you calculated what you say XXXX XXXX XXXX owes ; * Provide us with the original signed instrument that shows XXXX XXXX XXXX agreed to pay what you say is owed ; * Identify the original creditor 's Legal name and process server information ( required under UCC ) ; and the original signed contractual instrument initiating this debt.\n\n* Prove the Statute of Limitations has not expired on this account.\n\n* Prove you are licensed to collect in the State of Maryland.\n\nProvide verification along with your license numbers and Registered-Agent ( XXXX ), and or bond numbers. \n\nProvide accounting balances positive or negative for all accounts attached to XXXX XXXX XXXX AS IT PERTAINS TO Loan # XXXX PHH MORTGAGE, AND IT'S AGENTS, and pursuant to FEDERAL REGULATION E. \nALL accounting, sources of, transactions concerning the following files, accounts, and or XXXX Policies identified and or linked to the above stated XXXX XXXX. They being in part : Loan # XXXX for XXXX XXXX XXXX pursuant to FEDERAL REGULATION E.\n\nProof or a CONTRACT permitting, the non disclosure of any FRN 's, XXXX XXXX, or Acquisition or Abandonment of Secured Property as it pertains to : form 1099a, XXXX XXXX, XXXX XXXX XXXX, XXXX, Loan # XXXX PHH MORTGAGE, XXXX XXXX, AND IT'S AGENTS. \n\n\nProof or ORIGINAL ORIENTATION of FUNDS concerning the all LOANS, and or SERVICES provided to the Legal Fiction, XXXX XXXX XXXX, XXXX, Loan # XXXX PHH MORTGAGE, AND IT'S AGENTS. \nREQUEST FOR ACCOUNTING for ALL XXXX 's, XXXX XXXX, their income/ interest and ALL activity concerning ; Acquisition or Abandonment of Secured Property as it pertains to : form XXXX, THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Loan # XXXX PHH MORTGAGE, XXXX AND IT'S AGENTS. \n\nPROOF or CONTRACT permitting the access of PHH MORTGAGE, XXXX, AND IT'S AGENTS access to ANY BONDS, TRUSTS pertaining to XXXX XXXX XXXX, XXXX, Loan # XXXX PHH MORTGAGE, XXXX AND IT'S AGENTS. \nPursuant to common law rights, and PUBLIC LAW XXXX XXXX, XXXX, I am removing any consent given for the use of electronic signatures, or any other consent given or sold to the Party for use as listed above. \nHouse XXXX XXXX XXXX of XX/XX/XXXX On XX/XX/XXXX, Congress passed the House Joint Resolution ( HJR 192 ). HJR 192 was passed to suspend the gold standard and abrogate the gold clause in the national constitution. Since then no one in America has been able to lawfully pay a debt. This resolution declared : \" To assure uniform value to the coins and currencies of the Unites States, Whereas the holding of or dealing in gold affect public interest, and are therefore subject to proper regulation and restriction ; and Whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency of the United States, or in an amount in money of the United States measured thereby, obstruct the power of the Congress to regulate the value of the money of the United States, and are inconsistent with the declared policy of the Congress to maintain at all times the equal and in the payment of debts, Now, therefore, be it Resolved by the Senate and House of t Representative of the United States of America in Congress assembled, that ( a ) _every provision ( a ) _every_provision contained in or made with respect to any obligation which purports to give the obligee a right to require payments in gold or a particular kind of coin or currency, or in an amount in money of the United States measured thereby, is declared to be against public policy ; and no such provision shall be contained in or made with respect to any obligation hereafter incurred. Every obligation, heretofore or hereafter incurred, whether or not any such provision is contained therein or made with respect thereto, shall be discharged upon payment, dollar for dollar, in any coin or currency which at time of payment is legal tender for public and private debts. Any such provision contained in any law authorizing obligations to be issued by or under authority of the United States, is hereby repealed, but the repeal of any such provision shall not invalidate any other provision or authority contained in such law. ( b ) As used in this resolution, the term 'obligation ' means any obligation ( including every obligation of and to the United States , accepting currency ) payable in money of the United States ; and the term 'coin or currency ' means coin or currency of the United States , including Federal Reserve notes and circulating notes of Federal Reserve banks and national banking associations. Sec. 2 The last sentence of paragraph ( 1 ) of subsection ( b ) of section 43 of the Act entitled 'An Act to relieve the existing national economic emergency by increasing agricultural purchasing power, to raise revenue for extraordinary expenses incurred by reason of such emergency, to provide emergency relief with respect to agricultural indebtedness, to provide for the orderly liquidation of joint-stock land banks, and of other purposes ;, approved XX/XX/XXXX, is amended to read as follows : \" All coins and currencies of the United States ( including Federal Reserve notes and circulating notes of the Federal Reserve banks and XXXXXXXX XXXX XXXX  ) heretofore or hereafter coined or issued, shall be legal tender for all debts, public and private, public charges, taxes, duties, and dues, except that gold coins, when below the standard weight and limit of tolerance provided by law for the single piece, shall be legal tender only at valuation in proportion to their actual weight. ' Approved, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Note : \" payment of debt '' is now against Congressional and \" public policy '' and henceforth, \" Every obligation ... Shall be discharged. As a result of HJR 192, and from that day forward ( XX/XX/XXXX ), no one in this nation has been able to lawfully pay a debt or lawfully own anything. The only thing one can do, is tender in transfer of debts, with the debt being perpetual. The suspension of the gold standard, and prohibition against paying debts, removed the substance for our common law to operate on, and created a void as far as the law is concerned. This substance was replaced with a \" PUBLIC NATIONAL CREDIT SYSTEM '' where debt is \" LEGAL TENDER '' money .HJR 192 was implemented immediately. The day after President XXXX signed the resolution, the treasury offered the public new government securities, minus the traditional \" payable in gold '' clause. \nIn effect HJR 192 of 1933 provided that the one with the gold paid the bills. It removed the requirement that US subjects and employees had to pay their debts with gold. It actually prohibited the inclusion of a clause in all subsequent contracts that would require payment in gold. It also retroactively canceled the clause in every US contract written prior to XXXX XX/XX/XXXX, that required an obligation to be paid in gold. It provided that US subjects and employees could use any type of coin and currency to discharge a public debt as long as it was in use in the normal course of business in the US. For a time, US Notes were the currency used to discharge debts, but later the Federal Reserve System and the corporate US provided a new medium of exchange through paper notes, and debt instruments that could be passed on to a debtor 's creditors to discharge the debtor 's debts. That same \" currency '' is available to the US and to use to discharge public debts. The owner of a fictional corporate name ( \" PERSON '' ), upon learning the law and discovering who s/he is in relation to Corporate US, can file a UCC Financing Statement and Security agreement registering his/her interest in the artificial entity ( \" PERSON '' ) the US created after his/her mother applied for a birth certificate. That action of registering the mother 's biological property, her recently birthed baby ( substance ), with relevant State authorities. The US holds the paper title ( form ), not the substance ( baby ) but the act of registration transfers title from the mother to Corporate US and colours its \" legal '' right to dictate how that baby may be raised, educated and cared for.\n\nAt this time it is necessary to inform you that if your offices have reported invalidated, or information to any of the three ( 3 ) major credit Bureaus ( XXXX, XXXX, or XXXX ), that action would constitute fraud under Federal, UCC and State laws, Due to this fact, if any negative mark is found on any of XXXX XXXX XXXX or XXXX XXXX XXXX XXXX  credit reports by your company, firm and or Secured Party Creditor, AND or the company that you represent, we will not hesitate to aggressively seek compensation, and financial relief for the following breaches : XXXX BANK FRAUD, IDENTITY THEFT, VIOLATION of the FAIR CREDIT REPORTING ACT. \nVIOLATION of the FAIR DEBT COLLECTION PRACTICES ACT If your offices are able to provide the proper documentation ( originals and not unverified reproductions ) as requested in the following Declaration, we will require at least 30 days reviewing the validity of this information and during such time all agreements, accounts, and their assets or equities, are to be suspended or frozen. \nAlso during this validation period, if any action is taken which could be considered detrimental to any of XXXX XXXX XXXX, XXXX, or XXXX XXXX, XXXX credit reports, I will institute UCC/ Common Law suit proceedings. This includes and is not limited to, reporting any information that could, now or later, be determined inaccurate or invalided, or verifying the account ( s ) as accurate when in fact there is no proof that it is. \nWe would also like to give NOTICE in writing, that no telephone contact be made by your offices to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX their place ( s ) of employment. If your offices attempt telephone communication with XXXX XXXX including but not limited to, computer generated calls and or calls correspondence sent to or any third parties, it would be considered harassment and we will retaliate within the limits and jurisdiction of UCC procedure. \nXXXX XXXX believes that the relationship with PHH MORTGAGE, XXXX AND IT'S AGENTS, lacks disclosure ( in part ), and permission for the use of XXXX XXXX XXXX, ( also in part ) and seeks to be compensated in full. \n\" Allegations in affidavit in support of motion must be considered as true in absence of counter-affidavit. '' XXXX XXXX v XXXX, XXXX XXXX XXXX. XXXX Federal case of XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ] CONSENT IN PLACE OF NON RESPONSE Pursuant to the above and perfected supreme court cases cited herein, PHH MORTGAGE, XXXX AND IT'S AGENTS gives consent to Affiants, in the event of non response or rebuttal after a period of 30 days of the following actions with it's unconditional consent as follows : POWER OF ATTORNEY is hereby granted/given to the XXXX XXXX XXXX XXXX after 30 days for the removal of this claim of debt if recorded with any of the major credit reporting agencies. \nPOWER OF ATTORNEY is hereby given to remove any liens held by Loan # XXXX PHH MORTGAGE, AND IT'S AGENTS and the YOUR COUNTY 'S COUNTY CLERK in land records, in the event that validation of your claim is not met within 30 days, pursuant to commercial law. \n\nTruth is sovereign ; and an un-rebutted affidavit stands as TRUTH, and can not be set aside or overruled by the statutes of any government, courts, judges or law enforcement agencies, which are under an inherent obligation to uphold said commercial law. \nFURTHER AFFIANT SAYETH NOT Affiant 's Right thumbprint XXXX XXXX in XXXX XXXX, XX/XX/XXXX XXXX XXXX, with signature XXXX XXXX, XXXX,. \n\nState of MD. \n) ) ss XXXX XXXX of XXXX XXXX 's Subscribed and sworn before this agent, XXXX XXXX XXXX a notary public in and for the county of XXXX XXXX XXXX XXXX Maryland XXXX this XXXX Day of XXXX, XXXX XXXX, and XXXX. \nBy & XXXX XXXX who proved to this agent on the basis of satisfactory evidence that XXXX XXXX executes the within document, and swears, states and declares that XXXX XXXX autographs said within this document in his capacity of being the living principals, and the authorized representatives for the registered trade-names/trademarks for XXXX XXXX XXXX. \n\n\nNotary Signature XX/XX/XXXX Date HONARY XXXX XXXX XXXX! \nNOTARY PUBLIC XXXX XXXX XXXX XXXX MARYLAND XXXX XXXX EXPIRES XX/XX/XXXXXXXX XXXX","date_sent_to_company":"2024-06-21T20:14:32.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"9317301","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2024-06-21T20:01:36.000Z","state":"MD","company_public_response":null,"sub_issue":"Foreclosure"},"highlight":{"complaint_what_happened":["Also during this validation period, if any action is taken which could be <em>considered</em> detrimental to any of XXXX XXXX XXXX, XXXX, or XXXX XXXX, XXXX credit reports, I will institute UCC/ Common Law suit proceedings. This includes and is not limited to, reporting any information that could, now or later, be determined inaccurate or <em>invalided</em>, or verifying the account ( s ) as accurate when in fact there is no proof that it is."]},"sort":[5.9295745,"9317301"]},{"_index":"complaint-public-v1","_id":"7117421","_score":5.6013403,"_source":{"product":"Mortgage","complaint_what_happened":"I closed on my dream home on XX/XX/XXXX, XXXX XXXX XXXX as my loan provider. I made my first month 's payment the third week of XXXX making this account defaulted when PennyMac allegedly took over/bought/transferred this loan from XXXX XXXX. \n\nI have sent several letters ( TRACKING XXXX, XXXX ) requesting debt validation and proof of holder in due course from PennyMac Loan Servicing who has failed to reply, update my account to reflect disputed, and continues to attempt this alleged debt by using harassment, obscene and offensive language, and worse threatening me and my family. Below is my third letter. \n\nAlso, this Deed of Trust is voided as law stands that XXXX can not be a beneficiary ( Bain v. Metropolitan Mortgage Group , Inc., 2012 WL 3517326 ( Wash. 2012 ) ). Rather than the lender that issued the note to the borrower/homeowner. Interpreting the meaning of the word \" beneficiary '' in state foreclosure statutes, the Washington Supreme Court agreed with other courts that have held that MERS is not actually the beneficiary of the note and thus has no power to. The court also held that the facts might present a violation of the state consumer protection act because MERS misrepresented itself as the beneficiary to the borrower, thus engaging in a deceptive business practice. Whether the statute was violated depended on whether the borrower could show that she was injured by the deceptive statement. \n\nI have asked twice now, this is my third time for proof that PennyMac id the true owner of the Note or the current holder of the note and not the chain of assignments from the original lender. They have replied with photo copies of a Note that does not support their claim. Also, stated that my legal request is too burdensome. \n\n\nXXXX XXXX XXXX XXXX XXXX XXXX California XXXX PENNYMAC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Account Name : Alleged Account Number : XXXX RE : account # XXXX Certified Mail # Date : XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT To Whom It May Concern : Request for Admissions Dear PENNYMAC LOAN SERVICES In regards to your package dated XX/XX/XXXX. You did not answer my requests point by point as required by law. I requested that you provided proof of claim. I am hereby disputing the following facts stated in an administrative notice dated XX/XX/XXXX. \n\nParagraph 2 states that I owe PennyMac Loan Servicing, LLC the amount of {$7600.00}. I hereby deny this claim in its entirety.\n\nThere is no evidence that PennyMac Loan Servicing is entitled to be named the Beneficiary under this debt. The original lender under the Deed of Trust/Mortgage is XXXX XXXX XXXX XXXX XXXX XXXX XXXX... There is no chain of title naming PennyMac Loan Servicing as the real party of interest or holder of the negotiable instrument. The photocopied paperwork you sent dated XX/XX/XXXX confirms that PennyMac Loan Servicing is not listed on the Deed of Trust. Nor was any evidence provided to support PennyMac Loan Servicing claim. Under the Truth in Lending Act pursuant to 15 USC 1601-1667j ( full disclosure ), I have a right to know who the true party of interest in this transaction is regardless of how burdensome providing this legal right to me the Consumer. As such, I am asking you to stipulate whether you are the holder in due course for my promissory note. If you are not the holder, then you admit to being the servicer of this obligation. \n\nPlease also stipulate whether or not my loan has been securitized, and if so, the name of the REMIC/Trust my loan is bundled with. \n\nPursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge together with the ORIGINAL WET INK Deed of Trust in XXXX XXXX County. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course. \n\nIf you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your claim under U.C.C. - ARTICLE 3 3-301.\n\nUnder Title 12 226.39 ( regulation Z ) part ( a ), a servicer does not have the rights of a holder in due course and therefore, do not have the right to foreclose. You are hereby given notice that any attempt to foreclose on my property will be construed as prima facia evidence that you are committing fraud. \n\nIn a recent case law, it was ruled as follows : It is the creditors responsibility to keep a borrower and the Court informed as to who owns the note and mortgage and is servicing the loan, not the borrowers or the Courts responsibility to ferret out the truth It is worth repeating as a warning to lenders and servicers that the rules of this Court apply to them. Their private agreements and the frenzied trading market for mortgages do not excuse compliance ( In re Nosek, 406 B.R. 434, 440 ( D.Mass 2009 ) ) Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal council on this matter. \n\nI am giving you formal notice that failure to respond to this letter through a verified and validated proof of claim within 30 days as I have asked for, point for point will be taken as an administrative default. \n\nPlease be advised. A COPY of the said Note nor an Affidavit of Loss or any other forms will not be acceptable. \n\nPlease contact me in writing to arrange for an appropriate point of inspection in XXXX XXXX County, California. \n\nLitigation is very expensive and should be avoided at all cost. This is my good faith attempt to resolve this matter before I am forced to litigate against your company. I am pleading with you to resolve this matter privately and civilly as to avoid burdening our courts with this matter. If I have to, I will see you in court. This is not an idle threat.\n\n15 U.S. Code 1692g - Validation of debts A copy of the security instrument is not a sufficient proof of claim as per U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ). Under this code, I am entitled to have the instrument presented to me as you are required to upkeep the legal document allegedly entrusted to you. \n\nYou stated in paragraph two of your response that per the correspondence sent by PennyMac Loan Services on XX/XX/XXXX, a dispute of the validity of the debt must be received within thirty ( 30 ) days after receipt of said notice, or Pennymac will assume the debt to be valid. As no dispute was received within the specified timeframe, the loan was and continues to be serviced in accordance with the terms of the signed loan documents and the laws of the state in which the property is located. I was unaware that Pennymac ( company ) overrules and outweighs the Federal Laws Federal Debt Collection Practices Act ( FDCPA ) and as stated in your response state law in which the property is located being California. Pursuant unto the FDCPA you are violated and refuse me my rights. According to the FDCPA 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION Subchapter V : 15 U.S. Code 1692g - Validation of debts ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\nUnder USC Title 18 Chapter 25, you are engaging in counterfeiting and such behavior is a felony. Providing a photocopy of a security instrument is not only unconscionable but is illegal. I had asked for the visual inspection of the original promissory note, not a copy. You did not provide any proof to sufficiently satisfying your claim under U.C.C. - ARTICLE 3 -3-302 that you are a note holder in due course. You did not stipulate whether or not you were the holder in due course. You did not stipulate whether this loan was securitized as required by law.\n\nTherefore, you admit to the following : 1 ) You adm\nit that you are a servicer of the promissory note.\n\n2 ) You admit that the loan has been securitized.\n\n3 ) You admit that you are not a real party of interest in this controversy.\n\n4 ) You admit that you are a debt collector and not the original creditor. \n\nUnder the Federal Rules of Civil Procedure Rule 36, you are advised to notify me within 30 days should you wish to contest any of the above allegations with specific proof. Failure to do so means that you fully admit to all allegations as truth. These admissions will be used as evidence against you in any future controversy involving this matter. \n\nIn regard to the above-referenced account in accordance to the Fair Credit Reporting Act 15 USC 1681a 2 ( B ) this account is not included in a consumer report. You have reported this account to my consumer report which is a clear violation of the law. I The Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 USC 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information.\n\n( b ) OPT OUT ( 1 ) IN XXXX financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. \n\nI recently received copies of my XXXX credit reports and I see you are still reporting on all three major Consumer Reporting Agencies. This is after I, the consumer, gave you PENNYMAC LOAN SERVICER notice that I do not give you permission to report, NO PERMISSIBLE PURPOSE. You did not only fail to disclose to me that I can opt out of having my information reported, you threaten and used obscene language telling me I had no rights under the FCPA and the TILA regarding my right to opt out. I am writing you for the third time to demand and EXERCISE MY FEDERAL RIGHT : I DO NOT GIVE YOU PERMISSION TO REPORT, YOU HAVE NO PERMISSIBLE PURPOSE. If you continue to knowingly damage my reputation I will exercise my legal consumer right to full extent of the Federal Laws. They took their misleading and fraudulent communications further and told me I had no right ( paragraph 3 and 4, page 2 ). Does PennyMac Loan Servicing trump/outweigh/higher than the United Stated Federal Law ? PENNYMAC LOAN SERVICES knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties. PENNYMAC LOAN SERVICES knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. However, notice was given in writing on XX/XX/XXXX, by me ( Consumer ) that I am exercising my right to nondisclosure to all third parties. This includes all reporting agencies, ay affiliates, business partners or associates, etc. that Pennymac Loan Services has in the past or in future work with or given information to pertaining to any and all aspects of this alleged account and its activities. You do not have my permission. \n\nReporting of these account is a violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. \n\nThis makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. You ( PENNYMAC LOAN SERVICES ) are in violations of several federal laws you have 10 calendar days from the receipt of this letter : I Demand that : 1 ) Any and ALL negative/derogatory remarks, annotations, comments, or the like to be removed off of ALL of my consumer reports immediately AND 2 ) This account be updated to report as Closed. PAID IN FULL. In GOOD STANDING for this account on ALL of my consumer reports immediately.AND 3 ) Clear my title/deed to subject property or 3 ) To delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on. \n\nYou are put on notice of the fact of the matter and the continuation of reporting this account after you have been put on notice I will take legal action for willful noncompliance under the civil liability section of the FCRA 15 USC 1681n and the TILA 15 USC 1601.\n\nShould you decide to discriminate against me for future business and or products because I exercise my federal consumer rights under this or any chapter I will be coming after you ( PENNYMAC LOAN SERVICES ) for damages and I will use the contents of this and previous correspondence as proof of such decision.\n\n15 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. \n\n\nRE : Alleged account # XXXX Certified Mail # XX/XX/XXXX NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM To Whom it May Concern This letter is being sent to you in response to a computer generated, unsigned letter dated XX/XX/XXXX, received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested for the third time, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. \n15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. \nThis is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. \nProvide under Rule 1002. Requirement of the Original An original writing, recording, or photograph is required in order to prove its content unless these rules or a federal statute provides otherwise. \n\nFurthermore, you shall cease all verbal communication. No phone calls, no text messages, no social media contact, no ringless voicemail contact, no email contact, the only communication must be through the UNITED STATES POST OFFICE, to the Claimant. \nAt this time I will also inform you that your offices have been erroneously reporting invalidated information to all of the 3 major Consumer reporting agencies : XXXX, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action constitute fraud under both Federal and State Laws. Due to this fact ; any and all negative mark ( s ) found on any of the Claimants consumer reports by your company or the company that you represent. If all negative remarks are not removed and updated to good standing/paid in full, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant consumer reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a consumer reporting repository that could be inaccurate or invalidated. \nIf your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. \nTitle 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. \nXXXX XXXX XXXX : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. \nIn conjunction with the above request, upon further investigation I did not receive All MY TRUTH IN LENDING DISCLOSURES. \nProvide me with my truth in lending disclosures 15 usc 1635 ( a ) The information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter. \nThe creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. \nThe creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. \nUnder 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information You failed to provide me with the Required disclosures to OPT out of having my information reported. The law is very clear and before you reported my information to any nonaffiliated 3rd party ( Consumer Reporting Agencies ) you should have given me the following disclosures and you did not. Provide me with the following ; ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) OPT OUT ( 1 ) IN XXXX XXXXinancial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. \n\nCounter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION 15 usc 1692gb and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) All disclosures listed in this this correspondence ( c ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( d ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( e ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, Will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( f ) Voluntarily report this account to all consumer reporting agencies as paid as agreed ; and, ( g ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( h ) The matter regarding the alleged debt is finally and totally settled ; and, ( i ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice. \nFurthermore, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first-hand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III ) XXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent; and, V ) Three times the alleged claim amount ; and, VI ) XXXX XXXX Dollars ( {$5000.00} ) per occurrence per day, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$570000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) regarding the above referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in an involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent.\n\nThis is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable. \nEquality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Executed on this XXXX day of XXXX, XXXX by, __________________________________ XXXX XXXX, Agent for XXXX XXXX You are the second party that has written a letter purporting to represent, or have as your client, PennyMac. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer-generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received. \n\n\nCREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.\n\n1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. \n9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.\n\n10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration XXXXstatement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.\n\n12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. \n13. Verify as a third-party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.\n\n14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.\n\n15. Provide verification from the stated creditor that you are authorized to act for them.\n\n16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341. Disputing the Debt, Dated this _________ day of XXXX, XXXX. \nBy : _____________________________________________ XXXX XXXX ( expressly all rights reserved ), Real Party in Interest, Live breathing man. \nState of California ) ) ss. : County of XXXX XXXX ) Subscribed and Affirmed and having been duly sworn to at XXXX ( town/city ) before me____________________________, a Notary Public for the said county and state as above noted, do hereby state that the living man, XXXX XXXX personally appeared before me and signed the foregoing instrument. Witness my hand and official seal this_____day of____________________, XXXX. \n__________________________________________ Notary Public Signature ______________________________________ My Commission Expires [ SEAL ] cc : 1. FILE 2. NATIONAL DEFAULT SERVICING 3. CALIFORNIA DEPARTMENT OF COMMERCE 4. CONSUMER RESPONSE CENTER 5. 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