{"took":74,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":935,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8805675","_score":26.538563,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Please see the attached files for the Security Freeze form and Consumer Report Request Form. \n\nMicroBilt Violated copyright law and trademark law by using XXXX XXXX XXXX XXXX without a written consent per 15 U.S. Code 1681b ( a ) ( 2 ). \n\nIf federal lawsuit is needed, Consumer Financial Protection Bureau ( CFPB ), U.S. Securities and Exchange Commission ( SEC ), Federal Trade Commission ( FTC ), and UNITED STATES Corp will be included with the Federal Lawsuit.","date_sent_to_company":"2024-04-18T21:49:16.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"89148","tags":null,"has_narrative":true,"complaint_id":"8805675","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MicroBilt / PRBC (formerly CL Verify)","date_received":"2024-04-18T21:13:46.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Please see the attached files for the <em>Security</em> Freeze form and <em>Consumer</em> Report Request Form. \n\nMicroBilt Violated copyright law and trademark law by using XXXX XXXX XXXX XXXX without a written consent per 15 U.S. Code 1681b ( a ) ( 2 ). \n\nIf <em>federal</em> lawsuit is needed, <em>Consumer</em> Financial Protection Bureau ( CFPB ), U.S. <em>Securities</em> and <em>Exchange</em> <em>Commission</em> ( SEC ), <em>Federal</em> <em>Trade</em> <em>Commission</em> ( FTC ), and UNITED STATES Corp will be included with the <em>Federal</em> Lawsuit."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Problem with fraud alerts or <em>security</em> freezes"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[26.538563,"8805675"]},{"_index":"complaint-public-v1","_id":"10089905","_score":22.524942,"_source":{"product":"Credit card","complaint_what_happened":"On XXXX I applied for a credit card/ entered into a consumer credit contract with Discover Financial Services XXXX my application was denied and I received a Adverse Action letter that stated that I was denied a credit card. I responded to the adverse action letter claiming that my Right to Credit via the Federal Equal Credit Opportunity Act, I in good faith exercised my Right to credit and withholding access to my securities is Securities Fraud. I also asked what factors did underwriting use to deny my application. I received no correspondence with that letter. The company gave the wrong address to send those types of responses. My research lead me to find out that I was not given proper full disclosures via the Truth In Lending Act, the Federal Equal Credit Opportunity Act as well as the Security Exchange Act of 1932. 15 U.S.C. 1601-1667f Truth In Lending this Act authorizes the Security Exchange Commission to enforce compliance of this financial institution.\n\nUpon more research I found out that Discover Financial Services is Part of the United States Securities and Exchange Commission. They filed a XXXX form on XX/XX/XXXX among other forms that were signed by XXXX XXXX, XXXX as well as XXXX XXXX, I found out that these XXXX are the people that handle the securities that are being Transferred at the Treasury department. My securities have been transferred and traded without my knowledge, consent, or benefit. Discover Financial Service Commission File Number : XXXX, and the IRS Employer Identification number is XXXX. \nDiscovers XXXX form states that they comply with the Written Communication Pursuant to Rule 425 under the Securities Act ( 17 CFR230.425 ). I must be given full disclosure of anything done with my securities which violates the Pre-commencement communications Pursuant to Rule 14d-2 ( b ) under the Exchange Act ( 17 CFR240.14d-2 ( b ) ). These violations are punishable by Federal Law and XXXX XXXX, XXXX and XXXX Vainikos are the people responsible for misleading practices. They also violated the Trust Indenture Act of 1939, the whole reason for this Act is to disclose information about the Security Exchange Commission to me XXXX XXXX as the investor. 15 U.S.C. section 77bbb Necessity for Regulation ( a ) numbers 3-6, All of these have been violated. XXXX and XXXX have failed to give me full disclosure on what is truly happening with my securities and how I can benefit from the interest generated by my security every month. 15 U.S.C. code section 77yyy, Penalties States that Any person who willfully violated provisions of the subchapter or Any rule, Regulation, or order thereunder, makes any untrue statement of a material fact or omits to state Any material fact required to be stated therein or necessary to make statements therein not misleading, shall upon conviction be fined not more than {$10000.00} or imprisoned for not more than 5 years or both. \nThese unfair act and practices have caused me grave damage both financially and physically for months. The misleading procedures cause me to loose my vehicle and my place of residence as I could not provide that necessary thing for my family.","date_sent_to_company":"2024-09-11T06:13:45.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"77095","tags":null,"has_narrative":true,"complaint_id":"10089905","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2024-09-11T04:38:28.000Z","state":"TX","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["My research lead me to find out that I was not given proper full disclosures via the Truth In Lending Act, the <em>Federal</em> Equal Credit Opportunity Act as well as the <em>Security</em> <em>Exchange</em> Act of 1932. 15 U.S.C. 1601-1667f Truth In Lending this Act authorizes the <em>Security</em> <em>Exchange</em> <em>Commission</em> to enforce compliance of this financial institution.\n\nUpon more research I found out that Discover Financial Services is Part of the United States <em>Securities</em> and <em>Exchange</em> <em>Commission</em>."]},"sort":[22.524942,"10089905"]},{"_index":"complaint-public-v1","_id":"3008422","_score":22.281721,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On the date of XX/XX/XXXX at XXXX UTC I made a purchase for XXXX BitcoinCash being trade ID XXXX for {$940.00} USD. On XX/XX/XXXX the Coinbase Pricing Chart had different prices from that of its sister company GDAX Pricing Charts ( please see attached photographs ). Had I not matched the two separate Coinbase and GDAX pricing graphs and photographed this evidence it would not be known. I have made Contact with Coinbase for over 6 months regarding white collar crime activities Coinbase/GDAX have been engaged in. I have filed a complaint with the Consumer Financial Protection Bureau, met with federal agents at the Federal Bureau of Investigation and filed a complaint and communicated with the Securities and Exchange Commission.","date_sent_to_company":"2018-09-02T17:11:19.000Z","issue":"Other service problem","sub_product":"Virtual currency","zip_code":"599XX","tags":null,"has_narrative":true,"complaint_id":"3008422","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2018-09-02T16:36:37.000Z","state":"MT","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I have filed a complaint with the <em>Consumer</em> Financial Protection Bureau, met with <em>federal</em> agents at the <em>Federal</em> Bureau of Investigation and filed a complaint and communicated with the <em>Securities</em> and <em>Exchange</em> <em>Commission</em>."]},"sort":[22.281721,"3008422"]},{"_index":"complaint-public-v1","_id":"15624717","_score":22.051332,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing this complaint because Bank of America has directly engaged in criminal collusion with XXXX. They ruled my dispute in favor of XXXX, even though the money is not in my Bank of America account and never appeared on XXXX. That decision is unlawful, fraudulent, and shows deliberate cover-up of theft. Bank of America is not protecting consumers they are protecting a fraudulent exchange, closing cases without investigation, and running criminal schemes. \n\nThis is not a mistake. This is fraud, collusion, and corruption. Bank of America is actively covering up missing funds and enabling illegal operations with XXXX. \n\nI swear I swear by XXXX, I swear by the flag of the United States of America, I swear by XXXX XXXX Bank of America will face criminal responsibility for this scheme. I will escalate this to every possible authority, and I will ensure it reaches the public through the media. They will not escape accountability. \n\nI have already submitted complaints to the Office of the Comptroller of the Currency ( OCC ) and the New York State Department of Financial Services ( NYDFS ), and I am escalating this further through the Consumer Financial Protection Bureau ( CFPB ).\n\nI am also preparing submissions to the U.S. Securities and Exchange Commission ( SEC ), the U.S. Commodity Futures Trading Commission ( CFTC ), the Federal Trade Commission ( FTC ), the Financial Crimes Enforcement Network ( FinCEN ), as well as XXXX  and XXXX. \n\nAnd beyond that, this case will go to the Federal Bureau of Investigation ( FBI ), the U.S. Department of Justice ( DOJ ), the Office of the New York State Attorney General ( NYAG ), and the U.S. Attorneys Office for federal prosecution. \n\nThis is no longer about {$1000.00}. This is about exposing Bank of America for corruption and criminal collusion with XXXX. I will pursue this at every level until they are forced to answer for it.","date_sent_to_company":"2025-08-30T13:32:11.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"11229","tags":null,"has_narrative":true,"complaint_id":"15624717","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-08-30T13:22:32.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Commodity Futures <em>Trading</em> <em>Commission</em> ( CFTC ), the <em>Federal</em> <em>Trade</em> <em>Commission</em> ( FTC ), the Financial Crimes Enforcement Network ( FinCEN ), as well as XXXX  and XXXX. \n\nAnd beyond that, this case will go to the <em>Federal</em> Bureau of Investigation ( FBI ), the U.S. Department of Justice ( DOJ ), the Office of the New York State Attorney General ( NYAG ), and the U.S. Attorneys Office for <em>federal</em> prosecution. \n\nThis is no longer about {$1000.00}."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[22.051332,"15624717"]},{"_index":"complaint-public-v1","_id":"8605535","_score":21.951534,"_source":{"product":"Debt collection","complaint_what_happened":"15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.\n\nI was never informed about my personal information being furnished to non-affiliates/third parties. XXXX XXXX XXXX is classified as a FINANCIAL INSTITUTION which is suppose to be in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681. My information has been furnished to XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX which are third party companies. \n15 USC 1681b ; permissible purpose of consumer reports ( A ) IN GENERAL ( 1 ) Subject to subsection ( c ) of this section any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.\n\n( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\nI did not give written, verbal nor electronic consent however if there's any documents stating otherwise, please provide me with any and all information regarding my consent. It is the policy of the congress that each financial institution has affirmative and continuing obligation to respect the privacy of its customers and protect the security of their non-public personal information.\n\nNON-PUBLIC PERSONAL INFORMATION : Is any identifiable financial information provided by a consumer to a financial institution resulting from any transaction with the consumer or any service performed.\n\n15 USC 6802 also states Financial Institutions must not disclose any information unless they give you an explanation of how you can exercise a non-disclose option, which I did not receive.\n\nThis is an act against my privacy rights which is an act against the PRIVACY ACT OF 1974 XXXX XXXX XXXX has reported the account to the credit bureaus as Charged off, A charge off is considered a certificate of indebtedness which means it is income and it has to be removed. It is illegal to report transaction history. \n15 U.S. Code 6805 - Enforcement- ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C . 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) banks insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), insured State branches of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; and ( D ) savings associations the deposits of which are insured by the Federal Deposit Insurance Corporation, and any subsidiaries of such savings associations ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ).\n\n( 2 ) Under the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], by the Board of the National Credit Union Administration with respect to any federally insured credit union, and any subsidiaries of such an entity.\n\n( 3 ) Under the Securities Exchange Act of 1934 [ 15 U.S.C. 78a et seq. ], by the Securities and Exchange Commission with respect to any broker or dealer.\n\n( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the Securities and Exchange Commission with respect to investment companies.\n\n( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the Securities and Exchange Commission with respect to investment advisers registered with the Commission under such Act.\n\n( 6 ) Under State insurance law, in the case of any person engaged in providing insurance, by the applicable State insurance authority of the State in which the person is domiciled, subject to section 6701 of this title.\n\n( 7 ) Under the Federal Trade Commission Act [ 15 U.S.C. 41 et seq. ], by the Federal Trade Commission for any other financial institution or other person that is not subject to the jurisdiction of any agency or authority under paragraphs ( 1 ) through ( 6 ) of this subsection.\n\n( 8 ) Under subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau of Consumer Financial Protection, in the case of any financial institution and other covered person or service provider that is subject to the jurisdiction of the Bureau and any person subject to this subchapter, but not with respect to the standards under section 6801 of this title.\n\nPlease do a proper investigation.","date_sent_to_company":"2024-03-22T06:03:03.000Z","issue":"Electronic communications","sub_product":"I do not know","zip_code":"44306","tags":null,"has_narrative":true,"complaint_id":"8605535","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Southwest Recovery Services, Inc.","date_received":"2024-03-22T05:30:38.000Z","state":"OH","company_public_response":null,"sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the <em>Securities</em> and <em>Exchange</em> <em>Commission</em> with respect to investment companies.\n\n( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the <em>Securities</em> and <em>Exchange</em> <em>Commission</em> with respect to investment advisers registered with the <em>Commission</em> under such Act."]},"sort":[21.951534,"8605535"]},{"_index":"complaint-public-v1","_id":"3385375","_score":21.850939,"_source":{"product":"Debt collection","complaint_what_happened":"I have two credit cards that were suddenly sold to a debt buyer known as Midland Credit Management Inc. I am here to state that the two original creditors, hereafter known as XXXX XXXX and XXXX XXXX XXXX  did not sell these two credit card debts. That is an impossibility since all credit card debts for both of these financial institutions securitize their debt portfolio into billion dollar plus securities agreements. Midland Credit Management is running a huge scam that is being pushed by national banks to offset losses on their quarterly 10Q filings with the Securities and Exchange Commission. Therefore, I need both of these collections rescinded immediately unless transfer from a securitized trust can be proved. Both financial institutions need to be brought up with sanctions by the Federal Trade Commission and the Consumer Financial Protection Bureau. Accordingly, I demand proof that a transfer of both of these original debts were assigned out of their respective securitized trusts. If that evidence can not be proved, then both debts must be forgiven and files must be purged. XXXX XXXX","date_sent_to_company":"2019-09-25T06:23:07.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"01013","tags":null,"has_narrative":true,"complaint_id":"3385375","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2019-09-25T02:11:05.000Z","state":"MA","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Both financial institutions need to be brought up with sanctions by the <em>Federal</em> <em>Trade</em> <em>Commission</em> and the <em>Consumer</em> Financial Protection Bureau. Accordingly, I demand proof that a transfer of both of these original debts were assigned out of their respective securitized trusts. If that evidence can not be proved, then both debts must be forgiven and files must be purged. XXXX XXXX"]},"sort":[21.850939,"3385375"]},{"_index":"complaint-public-v1","_id":"3385374","_score":21.841064,"_source":{"product":"Debt collection","complaint_what_happened":"I have two credit cards that were suddenly sold to a debt buyer known as XXXX XXXX XXXX XXXX. I am here to state that the two original creditors, hereafter known as Synchrony Bank and XXXX XXXX XXXX did not sell these two credit card debts. That is an impossibility since all credit card debts for both of these financial institutions securitize their debt portfolio into XXXX dollar plus securities agreements. XXXX XXXX XXXX is running a huge scam that is being pushed by national banks to offset losses on their quarterly 10Q filings with the Securities and Exchange Commission. Therefore, I need both of these collections rescinded immediately unless transfer from a securitized trust can be proved. Both financial institutions need to be brought up with sanctions by the Federal Trade Commission and the Consumer Financial Protection Bureau. Accordingly, I demand proof that a transfer of both of these original debts were assigned out of their respective securitized trusts. If that evidence can not be proved, then both debts must be forgiven and files must be purged. XXXX XXXX","date_sent_to_company":"2019-09-25T06:23:13.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"01013","tags":null,"has_narrative":true,"complaint_id":"3385374","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2019-09-25T02:23:11.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Both financial institutions need to be brought up with sanctions by the <em>Federal</em> <em>Trade</em> <em>Commission</em> and the <em>Consumer</em> Financial Protection Bureau. Accordingly, I demand proof that a transfer of both of these original debts were assigned out of their respective securitized trusts. If that evidence can not be proved, then both debts must be forgiven and files must be purged. XXXX XXXX"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[21.841064,"3385374"]},{"_index":"complaint-public-v1","_id":"3385370","_score":21.841064,"_source":{"product":"Debt collection","complaint_what_happened":"I have two credit cards that were suddenly sold to a debt buyer known as Midland Credit Management Inc. I am here to state that the two original creditors, hereafter known as XXXX XXXX and XXXX XXXX XXXX did not sell these two credit card debts. That is an impossibility since all credit card debts for both of these financial institutions securitize their debt portfolio into XXXX dollar plus securities agreements. Midland Credit Management is running a huge scam that is being pushed by national banks to offset losses on their quarterly 10Q filings with the Securities and Exchange Commission. Therefore, I need both of these collections rescinded immediately unless transfer from a securitized trust can be proved. Both financial institutions need to be brought up with sanctions by the Federal Trade Commission and the Consumer Financial Protection Bureau. Accordingly, I demand proof that a transfer of both of these original debts were assigned out of their respective securitized trusts. If that evidence can not be proved, then both debts must be forgiven and files must be purged. XXXX XXXX","date_sent_to_company":"2019-09-25T06:29:25.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"01013","tags":null,"has_narrative":true,"complaint_id":"3385370","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2019-09-25T02:24:18.000Z","state":"MA","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Both financial institutions need to be brought up with sanctions by the <em>Federal</em> <em>Trade</em> <em>Commission</em> and the <em>Consumer</em> Financial Protection Bureau. Accordingly, I demand proof that a transfer of both of these original debts were assigned out of their respective securitized trusts. If that evidence can not be proved, then both debts must be forgiven and files must be purged. XXXX XXXX"]},"sort":[21.841064,"3385370"]},{"_index":"complaint-public-v1","_id":"7987754","_score":21.526691,"_source":{"product":"Credit card","complaint_what_happened":"Dear XXXX, I am writing to formally file a complaint with the Consumer Financial Protection Bureau XXXX CFPB ) regarding a serious issue involving Navy Federal XXXX XXXX XXXX which has raised significant concerns related to potential violations of the Uniform Commercial Code ( UCC ), Securities and Exchange Commission XXXX SEC XXXX regulations XXXX Financial Industry Regulatory XXXX XXXX XXXX XXXX regulations XXXX and allegations of securities fraud. \n\nThe details of my complaint are as follows : Payment Instruments Submitted : XX/XX/2023, I sent a negotiable instrument for payment to Navy Federal Credit Union in full compliance with legal tender guidelines. The instrument was restrictively endorsed to the company, accompanied by specific processing instructions as prescribed by XXXX CFR XXXX. These instruments were sent via registered mail with tracking numbers XXXX XXXX XXXX Company 's Response and Actions : Regrettably, Navy Federal Credit Union. has neither applied the payments to the account nor returned the negotiable instruments, both of which are mandated by law. In addition, despite my attempts to address this matter, the company has continued to contact me for payment, which is both unwarranted and unsettling. \nAdverse Action on Consumer Credit : Adding to my concerns, Navy Federal Credit Union has taken adverse action against my consumer credit, which, to the best of my knowledge of applicable laws and regulations, they XXXX not have the authority to do. \nXXXX Title XXXX Violation : In accordance with the Uniform Commercial Code, Title XXXX, the non-application of payment in a timely manner constitutes a breach of contract. Consequently, the debt should be considered XXXX, and my consumer credit should have been updated to reflect \" paid as agreed. '' Allegations of XXXX XXXX : I strongly suspect that Navy Federal Credit Union XXXX have improperly retained the security interest for themselves, potentially giving rise to allegations of securities fraud. Such actions, if proven true, raise significant concerns about the company 's ethical conduct and compliance with federal regulations and securities laws. \nGiven the gravity of this situation and the potential violations of consumer protection laws, federal regulations, and securities laws, I believe it is imperative that other relevant regulatory bodies be involved in investigating and addressing this matter. Specifically, the Federal Trade Commission ( FTC ), Securities and Exchange Commission ( SEC ), XXXX XXXX XXXX XXXX ( FINRA ), and Internal Revenue Service ( IRS ) XXXX need to take action to ensure that consumer rights are safeguarded and any alleged misconduct is thoroughly examined. \n\nDespite my attempts to communicate with Navy Federal Credit Union and my requests for the application of payment or the return of the instruments, the company has not responded or addressed this matter as of the date of this complaint. \n\nI respectfully request that the CFPB initiates a comprehensive investigation into this matter involving Navy Federal Credit Union to determine whether the company has violated any federal regulations, consumer protection laws, or securities laws. Additionally, I urge the CFPB to collaborate with the aforementioned regulatory bodies, including the FTC, SEC, XXXX, and IRS, to ensure a thorough examination of this matter. \n\nThank you for your prompt attention to this serious issue, and I anticipate a timely resolution to protect consumer rights. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2023-12-13T00:06:20.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"85339","tags":null,"has_narrative":true,"complaint_id":"7987754","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2023-12-12T23:57:59.000Z","state":"AZ","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["Specifically, the <em>Federal</em> <em>Trade</em> <em>Commission</em> ( FTC ), <em>Securities</em> and <em>Exchange</em> <em>Commission</em> ( SEC ), XXXX XXXX XXXX XXXX ( FINRA ), and Internal Revenue Service ( IRS ) XXXX need to take action to ensure that <em>consumer</em> rights are safeguarded and any alleged misconduct is thoroughly examined."],"company":["NAVY <em>FEDERAL</em> CREDIT UNION"]},"sort":[21.526691,"7987754"]},{"_index":"complaint-public-v1","_id":"8564171","_score":21.31393,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"A previous complaint was submitted and nothing came of it. This will be my last attempt before moving forward with other options due to securities XXXX and a host of other violations. At this time, my debt has been sold/transferred to a third party ; reference 12 CFR 1006 Fair Debt Collection Practices Act. I will not include a XXXX codes and violations, as my next step will be in XXXX XXXX. I am aware of XXXX XXXX XXXX XXXX, however my original contract is with Upgrade. XXXX XXXX has no jurisdiction and they will be handled accordingly, as well as Upgrade, if this is not rectified immediately.\n\n12 CFR 27.2 Applicant means a natural person, including a co-applicant, who makes an application. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.The federal securities statute described under 18 U.S.C. 1348 is patterned after the mail XXXX and wire XXXX statutes and states it's a federal crime to defraud anyone in connection with a security or commodity or to obtain any money or property from the purchase or sale a security, by using means of false or fraudulent pretenses, representations, or promises. The Securities Exchange Act of 1934 governs the trading of stocks and bonds in the United States and the law was established by the Securities and Exchange Commission ( SEC ), which is responsible for enforcing the federal securities law. \nMust I continue? Upgrade and XXXX XXXX XXXX will be named in a securities XXXX  lawsuit if not rectified. Furthermore, according to relevant XXXX & XXXX forms filed with the SEC, securities XXXX will easily be established with a proper audit. XXXX is not what I want to do, but if necessary, I will.","date_sent_to_company":"2024-03-19T09:57:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92583","tags":null,"has_narrative":true,"complaint_id":"8564171","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2024-03-17T07:20:53.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The <em>Securities</em> <em>Exchange</em> Act of 1934 governs the <em>trading</em> of stocks and bonds in the United States and the law was established by the <em>Securities</em> and <em>Exchange</em> <em>Commission</em> ( SEC ), which is responsible for enforcing the <em>federal</em> <em>securities</em> law. \nMust I continue? Upgrade and XXXX XXXX XXXX will be named in a <em>securities</em> XXXX  lawsuit if not rectified. Furthermore, according to relevant XXXX & XXXX forms filed with the SEC, <em>securities</em> XXXX will easily be established with a proper audit."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[21.31393,"8564171"]},{"_index":"complaint-public-v1","_id":"8605603","_score":21.183802,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.\n\nI was never informed about my personal information being furnished to non-affiliates/third parties. Lendmark Financial services is classified as a FINANCIAL INSTITUTION which is suppose to be in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681. My information has been furnished to XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX which are third party companies. \n15 USC 1681b ; permissible purpose of consumer reports ( A ) IN GENERAL ( 1 ) Subject to subsection ( c ) of this section any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.\n\n( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\nI did not give written, verbal nor electronic consent however if there's any documents stating otherwise, please provide me with any and all information regarding my consent. It is the policy of the congress that each financial institution has affirmative and continuing obligation to respect the privacy of its customers and protect the security of their non-public personal information.\n\nNON-PUBLIC PERSONAL INFORMATION : Is any identifiable financial information provided by a consumer to a financial institution resulting from any transaction with the consumer or any service performed.\n\n15 USC 6802 also states Financial Institutions must not disclose any information unless they give you an explanation of how you can exercise a non-disclose option, which I did not receive.\n\nThis is an act against my privacy rights which is an act against the PRIVACY ACT OF 1974 Lendmark Financial Services has reported the account to the credit bureaus as Charged off, A charge off is considered a certificate of indebtedness which means it is income and it has to be removed. It is illegal to report transaction history.\n\n15 U.S. Code 6805 - Enforcement- ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C . 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) banks insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), insured State branches of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; and ( D ) savings associations the deposits of which are insured by the Federal Deposit Insurance Corporation, and any subsidiaries of such savings associations ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ).\n\n( 2 ) Under the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], by the Board of the National Credit Union Administration with respect to any federally insured credit union, and any subsidiaries of such an entity.\n\n( 3 ) Under the Securities Exchange Act of 1934 [ 15 U.S.C. 78a et seq. ], by the Securities and Exchange Commission with respect to any broker or dealer.\n\n( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the Securities and Exchange Commission with respect to investment companies.\n\n( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the Securities and Exchange Commission with respect to investment advisers registered with the Commission under such Act.\n\n( 6 ) Under State insurance law, in the case of any person engaged in providing insurance, by the applicable State insurance authority of the State in which the person is domiciled, subject to section 6701 of this title.\n\n( 7 ) Under the Federal Trade Commission Act [ 15 U.S.C. 41 et seq. ], by the Federal Trade Commission for any other financial institution or other person that is not subject to the jurisdiction of any agency or authority under paragraphs ( 1 ) through ( 6 ) of this subsection.\n\n( 8 ) Under subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau of Consumer Financial Protection, in the case of any financial institution and other covered person or service provider that is subject to the jurisdiction of the Bureau and any person subject to this subchapter, but not with respect to the standards under section 6801 of this title.\n\nLendmark also claim to have a LIEN on my title, I looked on the SECRETARY OF STATE website in Ohio and filed a UCC 11 search on my name and there is no lien. A lien is usually perfected by filing a financing statement with the secretary of state, or in some cases with the county recorder. I have a perfected lien on the vehicle/property you can do the search yourself, I am a secured party and LENDMARK FINANCIAL SERVICES is the Debtor on this perfected document.","date_sent_to_company":"2024-03-22T05:28:58.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"44306","tags":null,"has_narrative":true,"complaint_id":"8605603","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Lendmark Financial Services","date_received":"2024-03-22T04:51:47.000Z","state":"OH","company_public_response":null,"sub_issue":"Report provided to employer without your written authorization"},"highlight":{"complaint_what_happened":["( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the <em>Securities</em> and <em>Exchange</em> <em>Commission</em> with respect to investment companies.\n\n( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the <em>Securities</em> and <em>Exchange</em> <em>Commission</em> with respect to investment advisers registered with the <em>Commission</em> under such Act."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[21.183802,"8605603"]},{"_index":"complaint-public-v1","_id":"12266326","_score":20.812817,"_source":{"product":"Credit card","complaint_what_happened":"I am filing this complaint against American Express for multiple violations of federal and consumer protection laws, including the illegal issuance and trading of securities linked to my account without consent, failure to respond to legally binding notary presentments, violations of financial security laws, and engagement in deceptive and unfair business practices. Despite my repeated formal attempts to seek a response and resolution, American Express has completely ignored all legally valid notices, constituting a direct violation of federal financial regulations. \n\nViolations Committed by American Express Illegal Issuance and Trading of Securities American Express engaged in the unauthorized securitization and trading of financial instruments tied to my account without my knowledge or consent. This constitutes a violation of the Securities Exchange Act of 1934, which regulates the issuance and sale of securities and requires full disclosure to all parties involved. Their failure to obtain proper authorization or disclose these transactions is a serious legal offense. \n\nFailure to Respond to a Consumer Dispute in Violation of the Fair Credit Billing Act ( FCBA ) Under 15 U.S. Code 1666, creditors are required to acknowledge and investigate billing disputes within a specific timeframe. American Express has completely ignored this requirement by refusing to respond to my multiple notary presentments. \n\nUnfair and Deceptive Business Practices in Violation of the Dodd-Frank Act The Consumer Financial Protection Act ( CFPA ) prohibits financial institutions from engaging in deceptive and abusive practices. American Expresss refusal to respond to legally recognized dispute notices and their involvement in the unauthorized trading of securities constitute deceptive and misleading financial practices, harming consumers by keeping them unaware of the financial instruments issued in their name. \n\nViolation of Due Process and Contractual Rights By failing to provide a formal response, American Express has breached its own contractual obligations and denied me due process in resolving financial disputes. Their non-compliance with dispute resolution procedures required under federal law further proves their unwillingness to follow legal obligations. \n\nFair Debt Collection Practices Act ( FDCPA ) Violation If this dispute involves debt collection, American Expresss refusal to acknowledge my dispute violates 15 U.S. Code 1692g, which requires creditors to respond to consumer disputes and provide verification of any claimed debt.\n\nSecurity and Data Protection Violations American Express has failed to protect sensitive consumer financial data, potentially allowing unauthorized third-party access to my financial information. This failure violates the Gramm-Leach-Bliley Act ( GLBA ), which mandates that financial institutions safeguard personal and financial data. Additionally, their actions may constitute a violation of the Federal Trade Commission ( FTC ) Safeguards Rule, which requires companies to take reasonable measures to protect consumer information. \n\nPotential Violations of State and Federal Consumer Protection Laws American Expresss refusal to respond and their involvement in unauthorized securities trading may also violate various state-level consumer protection and privacy laws, depending on the jurisdiction in which my account was issued.","date_sent_to_company":"2025-02-27T15:33:15.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"34606","tags":null,"has_narrative":true,"complaint_id":"12266326","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-02-27T14:38:23.000Z","state":"FL","company_public_response":null,"sub_issue":"Privacy issues"},"highlight":{"complaint_what_happened":["Additionally, their actions may constitute a violation of the <em>Federal</em> <em>Trade</em> <em>Commission</em> ( FTC ) Safeguards Rule, which requires companies to take reasonable measures to protect <em>consumer</em> information. \n\nPotential Violations of State and <em>Federal</em> <em>Consumer</em> Protection Laws American Expresss refusal to respond and their involvement in unauthorized <em>securities</em> <em>trading</em> may also violate various state-level <em>consumer</em> protection and privacy laws, depending on the jurisdiction in which my account was issued."]},"sort":[20.812817,"12266326"]},{"_index":"complaint-public-v1","_id":"7987954","_score":20.809803,"_source":{"product":"Credit card","complaint_what_happened":"Dear Sir/Madam, I am writing to officially file a complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning a serious matter involving PayPal Credit , which is serviced by Synchrony Financial. The issue at hand raises significant concerns regarding potential violations of the Uniform Commercial Code ( UCC ), Securities and Exchange Commission ( SEC ) regulations, Financial Industry Regulatory Authority ( FINRA ) regulations, and alleged securities fraud.\n\nThe details of my complaint are as follows : Payment Instrument Submitted : On XX/XX/2023, I submitted a negotiable instrument for payment to PayPal Credit in full compliance with legal tender guidelines. The instrument was restrictively endorsed to the company and sent registered mail XXXX XXXX XXXX, accompanied by specific processing instructions, as prescribed by 31 CFR 328.5-6. \nCompany 's Response and Actions : Regrettably, PayPal Credit has neither applied the payment to the account nor returned the negotiable instrument, which is mandated by law. Furthermore, the company has continued to contact me for payment despite my attempts to rectify the situation.\n\nAdverse Action on Consumer Credit : Adding to my concerns, PayPal Credit has taken adverse action against my consumer credit, which, based on my understanding of applicable laws and regulations, they may not have the authority to do. \nUCC Title 3 Violation : In accordance with the Uniform Commercial Code, Title 3, the non-application of payment in a timely manner constitutes a breach of contract. Consequently, the debt should be considered discharged, and my consumer credit should have been updated to reflect \" paid as agreed. '' Allegations of Securities Fraud : I suspect that PayPal Credit may have improperly retained the security interest for themselves, potentially giving rise to allegations of securities fraud. Such actions, if proven true, raise significant concerns about the company 's ethical conduct and compliance with federal regulations and securities laws. \nGiven the gravity of this situation and the potential violations of consumer protection laws, federal regulations, and securities laws, I believe it is imperative that other relevant regulatory bodies be involved in investigating and addressing this matter. Specifically, the Federal Trade Commission ( FTC ), Securities and Exchange Commission ( SEC ), Financial Industry Regulatory Authority ( FINRA ), and Internal Revenue Service ( IRS ) may need to take action to ensure that consumer rights are safeguarded and any alleged misconduct is thoroughly examined.\n\nDespite my attempts to communicate with PayPal Credit and my requests for the application of payment or the return of the instrument, the company has not responded or addressed this matter as of the date of this complaint. \n\nI respectfully request that the CFPB initiates a comprehensive investigation into this matter involving PayPal Credit XXXX Synchrony Financial XXXX to determine whether the company has violated any federal regulations, consumer protection laws, or securities laws. Additionally, I urge the CFPB to collaborate with the aforementioned regulatory bodies, including the FTC, SEC, FINRA, and IRS, to ensure a thorough examination of this matter.\n\nThank you for your prompt attention to this serious issue, and I anticipate a timely resolution to protect consumer rights. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2023-12-12T23:22:28.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"85339","tags":null,"has_narrative":true,"complaint_id":"7987954","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2023-12-12T23:13:47.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["Specifically, the <em>Federal</em> <em>Trade</em> <em>Commission</em> ( FTC ), <em>Securities</em> and <em>Exchange</em> <em>Commission</em> ( SEC ), Financial Industry Regulatory Authority ( FINRA ), and Internal Revenue Service ( IRS ) may need to take action to ensure that <em>consumer</em> rights are safeguarded and any alleged misconduct is thoroughly examined."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[20.809803,"7987954"]},{"_index":"complaint-public-v1","_id":"6425963","_score":20.71518,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have XXXX Bank on my credit report. \n\nThe report is inaccurate 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.\n\n15 U.S. Code 6805 - Enforcement- ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C . 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) banks insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), insured State branches of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; and ( D ) savings associations the deposits of which are insured by the Federal Deposit Insurance Corporation, and any subsidiaries of such savings associations ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ).\n\n( 2 ) Under the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], by the Board of the National Credit Union Administration with respect to any federally insured credit union, and any subsidiaries of such an entity.\n\n( 3 ) Under the Securities Exchange Act of 1934 [ 15 U.S.C. 78a et seq. ], by the Securities and Exchange Commission with respect to any broker or dealer.\n\n( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the Securities and Exchange Commission with respect to investment companies.\n\n( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the Securities and Exchange Commission with respect to investment advisers registered with the Commission under such Act.\n\n( 6 ) Under State insurance law, in the case of any person engaged in providing insurance, by the applicable State insurance authority of the State in which the person is domiciled, subject to section 6701 of this title.\n\n( 7 ) Under the Federal Trade Commission Act [ 15 U.S.C. 41 et seq. ], by the Federal Trade Commission for any other financial institution or other person that is not subject to the jurisdiction of any agency or authority under paragraphs ( 1 ) through ( 6 ) of this subsection.\n\n( 8 ) Under subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau of Consumer Financial Protection, in the case of any financial institution and other covered person or service provider that is subject to the jurisdiction of the Bureau and any person subject to this subchapter, but not with respect to the standards under section 6801 of this title.\n\n15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\n15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.\n\n5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.\n\n15 U.S. Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( E ) Duty of person after receiving notice of dispute After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.\n\n15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) 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\n15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.\n\n15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.\n\n15 U.S. Code 1681i ( 2 ) ( A ) ( ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.\n\nI am protected by Privacy Act of 1974, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.\n\nAccording to the IRS publication charge offs are a certificate of indemnification. This means its income! You can not report income on a credit report!\n\nSoliciting material pursuant to Rule 14a-12 under the Exchange Act ( 17 CFR 240.14a-12 ) Violation # 9 Written communications pursuant to Rule 425 under the Securities Act ( 17 CFR 230.425 ) Violation # 10 Pre-commencement communications pursuant to Rule 14d-2 ( b ) under the Exchange Act ( 17 CFR 240.14d-2 ( b ) ) Pre-commencement communications pursuant to Rule 13e-4 ( c ) under the Exchange Act ( 17 CFR 240.13e-4 ( c ) ) Open ended consumer plan ( an account with more than 4 payments ) accounts late payment notifications is illegal. Companies may not directly or indirectly report accounts to creditors. 15 USC 1602 ( j ) 15 U.S. Code 6805 Enforcement ( a ) In generalSubject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) banks insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), insured State branches of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; and ( D ) savings associations the deposits of which are insured by the Federal Deposit Insurance Corporation, and any subsidiaries of such savings associations ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ).\n\n( 2 ) Under the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], by the Board of the National Credit Union Administration with respect to any federally insured credit union, and any subsidiaries of such an entity.\n\n( 3 ) Under the Securities Exchange Act of 1934 [ 15 U.S.C. 78a et seq. ], by the Securities and Exchange Commission with respect to any broker or dealer.\n\n( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the Securities and Exchange Commission with respect to investment companies.\n\n( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the Securities and Exchange Commission with respect to investment advisers registered with the Commission under such Act.\n\n( 6 ) Under State insurance law, in the case of any person engaged in providing insurance, by the applicable State insurance authority of the State in which the person is domiciled, subject to section 6701 of this title.\n\n( 7 ) Under the Federal Trade Commission Act [ 15 U.S.C. 41 et seq. ], by the Federal Trade Commission for any other financial institution or other person that is not subject to the jurisdiction of any agency or authority under paragraphs ( 1 ) through ( 6 ) of this subsection.\n\n( 8 ) Under subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau of Consumer Financial Protection, in the case of any financial institution and other covered person or service provider that is subject to the jurisdiction of the Bureau and any person subject to this subchapter, but not with respect to the standards under section 6801 of this title.\n\n( b ) Enforcement of section 6801 ( 1 ) In general Except as provided in paragraph ( 2 ), the agencies and authorities described in subsection ( a ), other than the Bureau of Consumer Financial Protection, shall implement the standards prescribed under section 6801 ( b ) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p1 ( a ) of title 12 are implemented pursuant to such section.\n\n( 2 ) Exception The agencies and authorities described in paragraphs ( 3 ), ( 4 ), ( 5 ), ( 6 ), and ( 7 ) of subsection ( a ) shall implement the standards prescribed under section 6801 ( b ) of this title by rule with respect to the financial institutions and other persons subject to their respective jurisdictions under subsection ( a ).\n\n( c ) Absence of State action If a State insurance authority fails to adopt regulations to carry out this subchapter, such State shall not be eligible to override, pursuant to section 1831x ( g ) ( 2 ) ( B ) ( iii ) of title 12, the insurance customer protection regulations prescribed by a Federal banking agency under section 1831x ( a ) of title 12.","date_sent_to_company":"2023-01-11T22:45:45.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30215","tags":null,"has_narrative":true,"complaint_id":"6425963","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-01-11T21:39:14.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the <em>Securities</em> and <em>Exchange</em> <em>Commission</em> with respect to investment companies.\n\n( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the <em>Securities</em> and <em>Exchange</em> <em>Commission</em> with respect to investment advisers registered with the <em>Commission</em> under such Act."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"]},"sort":[20.71518,"6425963"]},{"_index":"complaint-public-v1","_id":"6432088","_score":20.710382,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have a collection account on my credit report named XXXX AS it states that the original Creditor : 11 XXXX XXXX XXXX and it is being reported on TRANSUNION. I do not recognize it, nor do I have an agreement with them. This is detrimentally hurting my chances of credit and improving my family 's lifestyle .Per 15 U.S. Code 1681,15 U.S. Code 6803,15 U.S. Code 6804, 15 U.S. Code 6805 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.\n\n15 U.S. Code 6805 states that ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) banks insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), insured State branches of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; and ( D ) savings associations the deposits of which are insured by the Federal Deposit Insurance Corporation, and any subsidiaries of such savings associations ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ). ( 2 ) Under the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], by the Board of the National Credit Union Administration with respect to any federally insured credit union, and any subsidiaries of such an entity. ( 3 ) Under the Securities Exchange Act of 1934 [ 15 U.S.C. 78a et seq. ], by the Securities and Exchange Commission with respect to any broker or dealer. ( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the Securities and Exchange Commission with respect to investment companies. ( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the Securities and Exchange Commission with respect to investment advisers registered with the Commission under such Act. ( 6 ) Under State insurance law, in the case of any person engaged in providing insurance, by the applicable State insurance authority of the State in which the person is domiciled, subject to section 6701 of this title. ( 7 ) Under the Federal Trade Commission Act [ 15 U.S.C. 41 et seq. ], by the Federal Trade Commission for any other financial institution or other person that is not subject to the jurisdiction of any agency or authority under paragraphs ( 1 ) through ( 6 ) of this subsection. ( 8 ) Under subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau of Consumer Financial Protection, in the case of any financial institution and other covered person or service provider that is subject to the jurisdiction of the Bureau and any person subject to this subchapter, but not with respect to the standards under section 6801 of this title. ( b ) Enforcement of section 6801 ( 1 ) In general Except as provided in paragraph ( 2 ), the agencies and authorities described in subsection ( a ), other than the Bureau of Consumer Financial Protection, shall implement the standards prescribed under section 6801 ( b ) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p1 ( a ) of title 12 are implemented pursuant to such section. Most importantly I did not give this company written permission to publish this on my credit report. 15 U.S. Code 6801 ( a ) ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 U.S. Code 1681s-2 ( a ), 15 U.S. Code 1681s-2 ( A ) 15 U.S. Code 1681a 4 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.","date_sent_to_company":"2023-01-12T19:32:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30215","tags":null,"has_narrative":true,"complaint_id":"6432088","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-01-12T18:42:56.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Federal</em> Credit Union Act [ 12 U.S.C. 1751 et seq. ], by the Board of the National Credit Union Administration with respect to any <em>federally</em> insured credit union, and any subsidiaries of such an entity. ( 3 ) Under the <em>Securities</em> <em>Exchange</em> Act of 1934 [ 15 U.S.C. 78a et seq. ], by the <em>Securities</em> and <em>Exchange</em> <em>Commission</em> with respect to any broker or dealer. ( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the <em>Securities</em> and <em>Exchange</em> <em>Commission</em> with respect to investment"],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[20.710382,"6432088"]},{"_index":"complaint-public-v1","_id":"6425845","_score":20.69833,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have XXXX Bank on my credit report. \n\nThe report is inaccurate 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. \n15 U.S. Code 6805 - Enforcement- ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C . 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) banks insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), insured State branches of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; and ( D ) savings associations the deposits of which are insured by the Federal Deposit Insurance Corporation, and any subsidiaries of such savings associations ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ).\n\n( 2 ) Under the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], by the Board of the National Credit Union Administration with respect to any federally insured credit union, and any subsidiaries of such an entity.\n\n( 3 ) Under the Securities Exchange Act of 1934 [ 15 U.S.C. 78a et seq. ], by the Securities and Exchange Commission with respect to any broker or dealer. \n( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the Securities and Exchange Commission with respect to investment companies.\n\n( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the Securities and Exchange Commission with respect to investment advisers registered with the Commission under such Act.\n\n( 6 ) Under State insurance law, in the case of any person engaged in providing insurance, by the applicable State insurance authority of the State in which the person is domiciled, subject to section 6701 of this title.\n\n( 7 ) Under the Federal Trade Commission Act [ 15 U.S.C. 41 et seq. ], by the Federal Trade Commission for any other financial institution or other person that is not subject to the jurisdiction of any agency or authority under paragraphs ( 1 ) through ( 6 ) of this subsection.\n\n( 8 ) Under subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau of Consumer Financial Protection, in the case of any financial institution and other covered person or service provider that is subject to the jurisdiction of the Bureau and any person subject to this subchapter, but not with respect to the standards under section 6801 of this title.\n\n15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\n15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.\n\n5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. \n\n\n\n15 U.S. Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( E ) Duty of person after receiving notice of dispute After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. \n\n15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) 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\n15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. \n\n\n\nXXXX5 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. \n\n15 U.S. Code 1681i ( 2 ) ( A ) ( ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. \nI am protected by Privacy Act of 1974, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. \n\nAccording to the IRS publication charge offs are a certificate of indemnification. This means its income! You can not report income on a credit report! \nSoliciting material pursuant to Rule 14a-12 under the Exchange Act ( 17 CFR 240.14a-12 ) Violation # 9 Written communications pursuant to Rule 425 under the Securities Act ( 17 CFR 230.425 ) Violation # 10 Pre-commencement communications pursuant to Rule 14d-2 ( b ) under the Exchange Act ( 17 CFR 240.14d-2 ( b ) ) Pre-commencement communications pursuant to Rule 13e-4 ( c ) under the Exchange Act ( 17 CFR 240.13e-4 ( c ) ) Open ended consumer plan ( an account with more than 4 payments ) accounts late payment notifications is illegal. Companies may not directly or indirectly report accounts to creditors. 15 USC 1602 ( j ) 15 U.S. Code 6805 Enforcement ( a ) In generalSubject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) banks insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), insured State branches of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; and ( D ) savings associations the deposits of which are insured by the Federal Deposit Insurance Corporation, and any subsidiaries of such savings associations ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ).\n\n( 2 ) Under the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], by the Board of the National Credit Union Administration with respect to any federally insured credit union, and any subsidiaries of such an entity.\n\n( 3 ) Under the Securities Exchange Act of 1934 [ 15 U.S.C. 78a et seq. ], by the Securities and Exchange Commission with respect to any broker or dealer.\n\n( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the Securities and Exchange Commission with respect to investment companies.\n\n( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the Securities and Exchange Commission with respect to investment advisers registered with the Commission under such Act.\n\n( 6 ) Under State insurance law, in the case of any person engaged in providing insurance, by the applicable State insurance authority of the State in which the person is domiciled, subject to section 6701 of this title.\n\n( 7 ) Under the Federal Trade Commission Act [ 15 U.S.C. 41 et seq. ], by the Federal Trade Commission for any other financial institution or other person that is not subject to the jurisdiction of any agency or authority under paragraphs ( 1 ) through ( 6 ) of this subsection.\n\n( 8 ) Under subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau of Consumer Financial Protection, in the case of any financial institution and other covered person or service provider that is subject to the jurisdiction of the Bureau and any person subject to this subchapter, but not with respect to the standards under section 6801 of this title.\n\n( b ) Enforcement of section 6801 ( 1 ) In general Except as provided in paragraph ( 2 ), the agencies and authorities described in subsection ( a ), other than the Bureau of Consumer Financial Protection, shall implement the standards prescribed under section 6801 ( b ) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p1 ( a ) of title 12 are implemented pursuant to such section.\n\n( 2 ) Exception The agencies and authorities described in paragraphs ( 3 ), ( 4 ), ( 5 ), ( 6 ), and ( 7 ) of subsection ( a ) shall implement the standards prescribed under section 6801 ( b ) of this title by rule with respect to the financial institutions and other persons subject to their respective jurisdictions under subsection ( a ).\n\n( c ) Absence of State action If a State insurance authority fails to adopt regulations to carry out this subchapter, such State shall not be eligible to override, pursuant to section 1831x ( g ) ( 2 ) ( B ) ( iii ) of title 12, the insurance customer protection regulations prescribed by a Federal banking agency under section 1831x ( a ) of title 12.","date_sent_to_company":"2023-01-11T22:46:03.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30215","tags":null,"has_narrative":true,"complaint_id":"6425845","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-01-11T22:45:52.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the <em>Securities</em> and <em>Exchange</em> <em>Commission</em> with respect to investment companies.\n\n( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the <em>Securities</em> and <em>Exchange</em> <em>Commission</em> with respect to investment advisers registered with the <em>Commission</em> under such Act."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[20.69833,"6425845"]},{"_index":"complaint-public-v1","_id":"6433447","_score":20.67391,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have an account on my credit report from XXXX XXXX XXXX and it is being reported on EXPERIAN. I do not recognize it nor do I have an agreement with them. This is improper and detrimentally hurting my lifestyle as well as receiving credit.Per 15 U.S. Code 1681,15 U.S. Code 6803,15 U.S. Code 6804, 15 U.S. Code 6805 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 6805 states that ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) banks insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), insured State branches of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; and ( D ) savings associations the deposits of which are insured by the Federal Deposit Insurance Corporation, and any subsidiaries of such savings associations ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ). ( 2 ) Under the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], by the Board of the National Credit Union Administration with respect to any federally insured credit union, and any subsidiaries of such an entity. ( 3 ) Under the Securities Exchange Act of 1934 [ 15 U.S.C. 78a et seq. ], by the Securities and Exchange Commission with respect to any broker or dealer. ( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the Securities and Exchange Commission with respect to investment companies. ( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the Securities and Exchange Commission with respect to investment advisers registered with the Commission under such Act. ( 6 ) Under State insurance law, in the case of any person engaged in providing insurance, by the applicable State insurance authority of the State in which the person is domiciled, subject to section 6701 of this title. ( 7 ) Under the Federal Trade Commission Act [ 15 U.S.C. 41 et seq. ], by the Federal Trade Commission for any other financial institution or other person that is not subject to the jurisdiction of any agency or authority under paragraphs ( 1 ) through ( 6 ) of this subsection. ( 8 ) Under subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau of Consumer Financial Protection, in the case of any financial institution and other covered person or service provider that is subject to the jurisdiction of the Bureau and any person subject to this subchapter, but not with respect to the standards under section 6801 of this title. ( b ) Enforcement of section 6801 ( 1 ) In general Except as provided in paragraph ( 2 ), the agencies and authorities described in subsection ( a ), other than the Bureau of Consumer Financial Protection, shall implement the standards prescribed under section 6801 ( b ) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p1 ( a ) of title 12 are implemented pursuant to such section. Most importantly I did not give this company written permission to publish this on my credit report. 15 U.S. Code 6801 ( a ) ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 U.S. Code 1681s-2 ( a ), 15 U.S. Code 1681s-2 ( A ) 15 U.S. Code 1681a 4 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.","date_sent_to_company":"2023-01-12T15:26:47.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30215","tags":null,"has_narrative":true,"complaint_id":"6433447","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-01-12T15:20:13.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Federal</em> Credit Union Act [ 12 U.S.C. 1751 et seq. ], by the Board of the National Credit Union Administration with respect to any <em>federally</em> insured credit union, and any subsidiaries of such an entity. ( 3 ) Under the <em>Securities</em> <em>Exchange</em> Act of 1934 [ 15 U.S.C. 78a et seq. ], by the <em>Securities</em> and <em>Exchange</em> <em>Commission</em> with respect to any broker or dealer. ( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the <em>Securities</em> and <em>Exchange</em> <em>Commission</em> with respect to investment"],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[20.67391,"6433447"]},{"_index":"complaint-public-v1","_id":"6432196","_score":20.67391,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have an account on my credit report from PORTFOLIO and it is being reported on XXXX. I do not recognize this account nor do I have an agreement with them. \nThis is improper and detrimentally hurting my lifestyle as well as receiving credit.Per 15 U.S. Code 1681,15 U.S. Code 6803,15 U.S. Code 6804, 15 U.S. Code 6805 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.\n\n( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.\n\n( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.\n\n( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.\n\n( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.\n\n15 U.S. Code 6805 states that ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) banks insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), insured State branches of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; and ( D ) savings associations the deposits of which are insured by the Federal Deposit Insurance Corporation, and any subsidiaries of such savings associations ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ).\n\n( 2 ) Under the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], by the Board of the National Credit Union Administration with respect to any federally insured credit union, and any subsidiaries of such an entity.\n\n( 3 ) Under the Securities Exchange Act of 1934 [ 15 U.S.C. 78a et seq. ], by the Securities and Exchange Commission with respect to any broker or dealer.\n\n( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the Securities and Exchange Commission with respect to investment companies.\n\n( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the Securities and Exchange Commission with respect to investment advisers registered with the Commission under such Act.\n\n( 6 ) Under State insurance law, in the case of any person engaged in providing insurance, by the applicable State insurance authority of the State in which the person is domiciled, subject to section 6701 of this title.\n\n( 7 ) Under the Federal Trade Commission Act [ 15 U.S.C. 41 et seq. ], by the Federal Trade Commission for any other financial institution or other person that is not subject to the jurisdiction of any agency or authority under paragraphs ( 1 ) through ( 6 ) of this subsection.\n\n( 8 ) Under subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau of Consumer Financial Protection, in the case of any financial institution and other covered person or service provider that is subject to the jurisdiction of the Bureau and any person subject to this subchapter, but not with respect to the standards under section 6801 of this title.\n\n( b ) Enforcement of section 6801 ( 1 ) In general Except as provided in paragraph ( 2 ), the agencies and authorities described in subsection ( a ), other than the Bureau of Consumer Financial Protection, shall implement the standards prescribed under section 6801 ( b ) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p1 ( a ) of title 12 are implemented pursuant to such section.\n\nMost importantly I did not give this company written permission to publish this on my credit report. 15 U.S. Code 6801 ( a ) ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.\n\n15 U.S. Code 1681s-2 ( a ), 15 U.S. Code 1681s-2 ( A ) 15 U.S. Code 1681a 4 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.","date_sent_to_company":"2023-01-12T15:36:19.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30215","tags":null,"has_narrative":true,"complaint_id":"6432196","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2023-01-12T15:36:15.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the <em>Securities</em> and <em>Exchange</em> <em>Commission</em> with respect to investment companies.\n\n( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the <em>Securities</em> and <em>Exchange</em> <em>Commission</em> with respect to investment advisers registered with the <em>Commission</em> under such Act."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"]},"sort":[20.67391,"6432196"]},{"_index":"complaint-public-v1","_id":"6428975","_score":20.67391,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have an account on my credit report from XXXX and it is being reported on EQUIFAX. I do not recognize this account nor do I have an agreement with them. \nThis is improper and detrimentally hurting my lifestyle as well as receiving credit.Per 15 U.S. Code 1681,15 U.S. Code 6803,15 U.S. Code 6804, 15 U.S. Code 6805 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. \n( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.\n\n( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.\n\n( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.\n\n( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. \n15 U.S. Code 6805 states that ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) banks insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), insured State branches of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; and ( D ) savings associations the deposits of which are insured by the Federal Deposit Insurance Corporation, and any subsidiaries of such savings associations ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ).\n\n( 2 ) Under the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], by the Board of the National Credit Union\nAdministration with respect to any federally insured credit union, and any subsidiaries of such an entity. \n( 3 ) Under the Securities Exchange Act of 1934 [ 15 U.S.C. 78a et seq. ], by the Securities and Exchange Commission with respect to any broker or dealer. \n( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the Securities and Exchange Commission with respect to investment companies. \n( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the Securities and Exchange Commission with respect to investment advisers registered with the Commission under such Act. \n( 6 ) Under State insurance law, in the case of any person engaged in providing insurance, by the applicable State insurance authority of the State in which the person is domiciled, subject to section 6701 of this title. \n( 7 ) Under the Federal Trade Commission Act [ 15 U.S.C. 41 et seq. ], by the Federal Trade Commission for any other financial institution or other person that is not subject to the jurisdiction of any agency or authority under paragraphs ( 1 ) through ( 6 ) of this subsection. \n( 8 ) Under subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau of Consumer Financial Protection, in the case of any financial institution and other covered person or service provider that is subject to the jurisdiction of the Bureau and any person subject to this subchapter, but not with respect to the standards under section 6801 of this title.\n\n( b ) Enforcement of section 6801 ( 1 ) In general Except as provided in paragraph ( 2 ), the agencies and authorities described in subsection ( a ), other than the Bureau of Consumer Financial Protection, shall implement the standards prescribed under section 6801 ( b ) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p1 ( a ) of title 12 are implemented pursuant to such section. \n\nMost importantly I did not give this company written permission to publish this on my credit report. 15 U.S. Code 6801 ( a ) ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.\n\n15 U.S. Code 1681s-2 ( a ), 15 U.S. Code 1681s-2 ( A ) 15 U.S. Code 1681a 4 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.","date_sent_to_company":"2023-01-12T15:35:57.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30215","tags":null,"has_narrative":true,"complaint_id":"6428975","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-01-12T14:24:21.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the <em>Securities</em> and <em>Exchange</em> <em>Commission</em> with respect to investment companies. \n( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the <em>Securities</em> and <em>Exchange</em> <em>Commission</em> with respect to investment advisers registered with the <em>Commission</em> under such Act."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"]},"sort":[20.67391,"6428975"]},{"_index":"complaint-public-v1","_id":"8331631","_score":20.569038,"_source":{"product":"Credit card","complaint_what_happened":"The application used to apply for the Chase XXXX XXXX is evidence of an offer from Chase ( offeror ) inviting me ( offeree ) to make a binding contract. An offer is part of contract negotiations where a party agrees to do or not do something in exchange for consideration. An offer must be stated and delivered in a way that would lead a reasonable person to expect a binding contract to arise from its acceptance. An offer gives the offeree the ability to accept and form an enforceable contract. When a valid offer is made, an acceptance by the offeree creates a binding contract. An offeror generally can not retract the offer once the other party has accepted. \nThe offer to contract was a simple exchange between Chase and I. In exchange for my signed promise to pay ( application ), Chase would open an account in my name and issue Card ( s ) as I direct. The said offer was accepted for value and consideration and the contract issued back to Chase for the promise of performance to provide the said consideration. Once fully executed the said application became a security, specifically an instrument in the form of a promissory note evidencing a promise to pay a monetary obligation. The pricing information, terms and conditions and other certifications formed a Security Agreement ultimately giving Chase a Security Interest in the Security. This is evidence of Chase taking the security by means of a purchase however, Chase did not provide me with any consideration when they purchased the executed application which is a financial asset ( 12 CFR 360.6 ( 2 ) ) from me ultimately breaching the contract for failure to provide consideration. \nFailure of consideration is a concept which relates to the law of contracts. In contract law, a party trades something of value in exchange for consideration. The term failure of consideration implies that the consideration, which was sufficient at the time of bargaining, has ceased to be sufficient. This could happen if the consideration offered becomes worthless or miniscule compared to the value of the contract, or if the party promising to furnish the consideration fails to do so. It is a failure to provide consideration if Chase invites me to make a contract by way of an offer and I accept the offer under the impression that the consideration that I will have an account opened in my name and Card ( XXXX ) issued as I direct and once the offer is accepted you take the financial asset and provide miniscule consideration in exchange for it. This is evidence of misrepresentation. \nA misrepresentation is a false or misleading statement or a material omission which renders other statements misleading, with intent to deceive. Misrepresentation is XXXX the elements of common law fraud, and other causes of action for fraud, such as securities fraud. Securities fraud is the misrepresentation or omission of information to induce investors into trading securities. \n\" Any false representation of material facts made with knowledge of falsity and with intent that it shall be acted on by another in entering into contract, and which is so acted upon, constitutes 'fraud, ' and entitles party deceived to avoid contract or recover damages. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \nThe primary definitions from the Securities Act of 1933 and the Securities Exchange Act of 1934 similarly define securities as specific instruments such as a note, stock, treasury stock, security future, security-based swap, bond, debenture and any instruments that fall into broad categories like investment contracts or any interest or instrument commonly known as a security ( see 15 U.S.C. 77b ) Under 17 CFR 240.10b-5 - Employment of manipulative and deceptive devices It shall be unlawful for any person, directly or indirectly, by the use of any means or instrumentality of interstate commerce to employ any device, scheme, or artifice to defraud, to make any untrue statement of a material fact or to omit to state a material fact necessary in order to make the statements made, in the light of the circumstances under which they were made, not misleading, to engage in any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person, in connection with the purchase or sale of any security. \nChase misrepresented and omitted to disclose within the terms and conditions of the application certain facts in order to induce offerees into unknowingly selling Chase securities and regardless of satisfactory credit rating or approval or denial Chase during the regular course of business purchases the applications and is able to use the applications as securities that can be pledged as collateral to the XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX to receive advances which in turn creates money. Chase also can securitize the applications by way of asset securitizations in which applications are used as receivables and sold to a special-purpose entity created for the securitization activity, typically a trust. The trust, in turn, issues securities, commonly referred to as asset-backed securities that are secured by the receivables. The trust uses the proceeds from the sale of such securities to pay the purchase price for the receivables. Chase also takes the application as a promissory note and credits an account creating new money. The above-mentioned Financing Activities are further evidenced and on record within Chase 's Securities and Exchange Commission filings . \nIt is not necessary for rescission of a contract that the party making the misrepresentation should have known that it was false, but recovery is allowed even though misrepresentation is innocently made, because it would be unjust to allow XXXX who made false representations, even innocently, to retain the fruits of a bargain induced by such representations. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. \nSETTLEMENT PROPOSAL I am asking for Chase to provide me compensation for the security which they have no right to retain. Therefore, I propose that Chase opens an account in my name and issues me the Chase XXXX XXXX with open-end credit and provides that the accounts monthly balance is secured by the payment Coupon associated with the monthly statement to be used as a Negotiable Instrument payable in U.S. Dollars and clearable through the US banking system. \nThis Breach of Contract and Fiduciary Duty could have interesting consequences as I could be forced to contact and file complaints with various Federal Agencies, including but not limited to The Securities and Exchange Commission, The Federal Trade Commission, and the Consumer Financial Protection Bureau for Securities Fraud, violations of Consumer Protection Laws, and Unfair, Deceptive, or Abusive Acts or Practices. An investigation may uncover a scheme in which securities fraud, misrepresentation and omission of information was used to induce investors into trading securities that Chase uses to further enrich their card business while depriving the underlying account holders their intangible right to honest services. I firmly believe that an amicable resolution is in the best interests of both parties. However, I am fully prepared to pursue arbitration among other legal proceedings that would be necessary to uphold my intangible rights and protect my own interest in the executed application which is a financial asset and a security.","date_sent_to_company":"2024-02-12T22:13:24.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"28212","tags":null,"has_narrative":true,"complaint_id":"8331631","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-02-12T22:03:24.000Z","state":"NC","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["This Breach of Contract and Fiduciary Duty could have interesting consequences as I could be forced to contact and file complaints with various <em>Federal</em> Agencies, including but not limited to The <em>Securities</em> and <em>Exchange</em> <em>Commission</em>, The <em>Federal</em> <em>Trade</em> <em>Commission</em>, and the <em>Consumer</em> Financial Protection Bureau for <em>Securities</em> Fraud, violations of <em>Consumer</em> Protection Laws, and Unfair, Deceptive, or Abusive Acts or Practices."]},"sort":[20.569038,"8331631"]},{"_index":"complaint-public-v1","_id":"6432197","_score":20.566439,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have an account on my credit report from LVNV FUNDING LLC and it is being reported on XXXX. I do not recognize it nor do I have an agreement with them. This is improper and detrimentally hurting my lifestyle as well as receiving credit.Per 15 U.S. Code 1681,15 U.S. Code 6803,15 U.S. Code 6804, 15 U.S. Code 6805 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 6805 states that ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) banks insured by the XXXX XXXX XXXX XXXX ( other than members of the Federal Reserve System ), insured State branches of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; and ( D ) savings associations the deposits of which are insured by the XXXX XXXX XXXX XXXX, and any subsidiaries of such savings associations ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ). ( XXXX ) Under the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX with respect to any federally insured credit union, and any subsidiaries of such an entity. ( XXXX ) Under the Securities Exchange Act of 1934 [ 15 U.S.C. 78a et seq. ], by the Securities and Exchange Commission with respect to any broker or dealer. ( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the Securities and Exchange Commission with respect to investment companies. ( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the Securities and Exchange Commission with respect to investment advisers registered with the Commission under such Act. ( 6 ) Under State insurance law, in the case of any person engaged in providing insurance, by the applicable State insurance authority of the State in which the person is domiciled, subject to section 6701 of this title. ( 7 ) Under the Federal Trade Commission Act [ 15 U.S.C. 41 et seq. ], by the Federal Trade Commission for any other financial institution or other person that is not subject to the jurisdiction of any agency or authority under paragraphs ( 1 ) through ( 6 ) of this subsection. ( 8 ) Under subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau of Consumer Financial Protection, in the case of any financial institution and other covered person or service provider that is subject to the jurisdiction of the Bureau and any person subject to this subchapter, but not with respect to the standards under section 6801 of this title. ( b ) Enforcement of section 6801 ( 1 ) In general Except as provided in paragraph ( 2 ), the agencies and authorities described in subsection ( a ), other than the Bureau of Consumer Financial Protection, shall implement the standards prescribed under section 6801 ( b ) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p1 ( a ) of title 12 are implemented pursuant to such section. Most importantly I did not give this company written permission to publish this on my credit report. 15 U.S. Code 6801 ( a ) ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 U.S. Code 1681s-2 ( a ), 15 U.S. Code 1681s-2 ( A ) 15 U.S. Code 1681a 4 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.","date_sent_to_company":"2023-01-12T15:26:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30215","tags":null,"has_narrative":true,"complaint_id":"6432197","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2023-01-12T15:26:55.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the <em>Securities</em> and <em>Exchange</em> <em>Commission</em> with respect to investment advisers registered with the <em>Commission</em> under such Act. ( 6 ) Under State insurance law, in the case of any person engaged in providing insurance, by the applicable State insurance authority of the State in which the person is domiciled, subject to section 6701 of this title. ( 7 ) Under the <em>Federal</em> <em>Trade</em> <em>Commission</em> Act [ 15 U.S.C. 41 et seq. ], by the <em>Federal</em> <em>Trade</em> <em>Commission</em> for any other"],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"]},"sort":[20.566439,"6432197"]},{"_index":"complaint-public-v1","_id":"7988720","_score":20.539005,"_source":{"product":"Credit card","complaint_what_happened":"Dear Sir/Madam, I am writing to file a formal complaint against Discover Financial Services concerning their refusal to provide me access to my own credit, which I believe constitutes a violation of Title 15, Subsection 1611 of the United States Code . Discover 's actions have had an adverse impact on my consumer credit, as described under 15 U.S. Code 1681. \n\nOn XX/XX/2023 I applied for a discover card online. The terms and conditions do not expressly tell you that the application is turned into an asset backed security and sold so the company can profit whether credit card is approved or disapproved. I was denied credit, then upon researching the company 's filings and I read how they profit from the application, I immediately contacted discover and expressed my concerns.\n\nDiscover response with their decision stands.\n\nI have attached relevant documentation, including correspondence with Discover, to support my complaint.\n\nI am deeply concerned about more than just the denial of access to my credit. I have reason to believe that Discover Financial Services may be involved in securities fraud. According to the company 's annual reporting ( 10-K ) and indenture agreement on file with the Securities and Exchange Commission ( SEC ) , the credit application I submitted to Discover appears to have been turned into an asset-backed security. This raises serious questions about the legality and transparency of their financial practices.\n\nGiven these concerns, I believe it may be important to involve the Federal Trade Commission ( FTC ) in investigating how many applicants may have been affected by similar actions by Discover Financial Services.\n\nI kindly request that both the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) investigate this matter thoroughly and take appropriate action against XXXX File Number XXXX Discover Financial Services XXXX ( I.R.S. Employer XXXX XXXX. ) located at XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX for their alleged violations of federal laws, including potential securities fraud. \n\nI also request that the CFPB assist me in resolving the issue of denied access to my credit and ensure my access to accurate and complete credit information. \n\nThank you for your prompt attention to this matter. I look forward to your response and resolution of this complaint. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2023-12-12T20:07:22.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"85339","tags":null,"has_narrative":true,"complaint_id":"7988720","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2023-12-12T19:44:38.000Z","state":"AZ","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["Given these concerns, I believe it may be important to involve the <em>Federal</em> <em>Trade</em> <em>Commission</em> ( FTC ) in investigating how many applicants may have been affected by similar actions by Discover Financial Services.\n\nI kindly request that both the <em>Consumer</em> Financial Protection Bureau ( CFPB ) and the <em>Federal</em> <em>Trade</em> <em>Commission</em> ( FTC ) investigate this matter thoroughly and take appropriate action against XXXX File Number XXXX Discover Financial Services XXXX ( I.R.S."]},"sort":[20.539005,"7988720"]},{"_index":"complaint-public-v1","_id":"8208765","_score":20.49935,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX, Equifax, And XXXX are reporting my transaction history. \nPer The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). \n\nIt is My personal information my credit limit and the Exact amount I have paid. If I make a payment and how much the payment is, This is my personal information. The reporting of such infrmation such as spicific details, like amount, limit, when and how much i paid goes againt my privacy. \n\nThey should not be reporting transaction history! Especially since I have already opted out. in a previous letter and cfpb report. Per 16 cfr 313 Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. \n\nPer 15 us code 6801, 6802 and 6805.\n\nPer 15 us code 6801. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. \n\nSubject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) banks insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), insured State branches of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; and ( D ) savings associations the deposits of which are insured by the Federal Deposit Insurance Corporation, and any subsidiaries of such savings associations ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ). \n( 2 ) Under the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], by the Board of the National Credit Union Administration with respect to any federally insured credit union, and any subsidiaries of such an entity. \n( 3 ) Under the Securities Exchange Act of 1934 [ 15 U.S.C. 78a et seq. ], by the Securities and Exchange Commission with respect to any broker or dealer. \n( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the Securities and Exchange Commission with respect to investment companies. \n( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the Securities and Exchange Commission with respect to investment advisers registered with the Commission under such Act. \n( 6 ) Under State insurance law, in the case of any person engaged in providing insurance, by the applicable State insurance authority of the State in which the person is domiciled, subject to section 6701 of this title. \n( 7 ) Under the Federal Trade Commission Act [ 15 U.S.C. 41 et seq. ], by the Federal Trade Commission for any other financial institution or other person that is not subject to the jurisdiction of any agency or authority under paragraphs ( 1 ) through ( 6 ) of this subsection. \n( 8 ) Under subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau of Consumer Financial Protection, in the case of any financial institution and other covered person or service provider that is subject to the jurisdiction of the Bureau and any person subject to this subchapter, but not with respect to the standards under section 6801 of this title. \n( b ) Enforcement of section 6801 ( 1 ) In general Except as provided in paragraph ( 2 ), the agencies and authorities described in subsection ( a ), other than the Bureau of Consumer Financial Protection, shall implement the standards prescribed under section 6801 ( b ) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p1 ( a ) of title 12 are implemented pursuant to such section. \n\n( 2 ) Exception The agencies and authorities described in paragraphs ( 3 ), ( 4 ), ( 5 ), ( 6 ), and ( 7 ) of subsection ( a ) shall implement the standards prescribed under section 6801 ( b ) of this title by rule with respect to the financial institutions and other persons subject to their respective jurisdictions under subsection ( a ). \n\n( c ) Absence of State action If a State insurance authority fails to adopt regulations to carry out this subchapter, such State shall not be eligible to override, pursuant to section 1831x ( g ) ( 2 ) ( B ) ( iii ) of title 12, the insurance customer protection regulations prescribed by a Federal banking agency under section 1831x ( a ) of title 12. \n\n( d ) Definitions The terms used in subsection ( a ) ( 1 ) that are not defined in this subchapter or otherwise defined in section 1813 ( s ) of title 12 shall have the same meaning as given in section 3101 of title 12.","date_sent_to_company":"2024-01-23T18:37:01.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"95841","tags":null,"has_narrative":true,"complaint_id":"8208765","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-01-23T18:36:58.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the <em>Securities</em> and <em>Exchange</em> <em>Commission</em> with respect to investment companies. \n( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the <em>Securities</em> and <em>Exchange</em> <em>Commission</em> with respect to investment advisers registered with the <em>Commission</em> under such Act."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[20.49935,"8208765"]},{"_index":"complaint-public-v1","_id":"8208323","_score":20.476055,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX, XXXX, And Experian are reporting my transaction history. \nPer The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). \n\nIt is My personal information my credit limit and the Exact amount I have paid. If I make a payment and how much the payment is, This is my personal information. The reporting of such infrmation such as spicific details, like amount, limit, when and how much i paid goes againt my privacy. \n\nThey should not be reporting transaction history! Especially since I have already opted out. in a previous letter and cfpb report. Per 16 cfr 313 Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.\n\nPer 15 us code 6801, 6802 and 6805.\n\nPer 15 us code 6801. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.\n\nSubject to subtitle B of the Consumer Financial Protection Act of XXXX [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) banks insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), insured State branches of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; and ( D ) savings associations the deposits of which are insured by the Federal Deposit Insurance Corporation, and any subsidiaries of such savings associations ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ). \n( 2 ) Under the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], by the Board of the National Credit Union Administration with respect to any federally insured credit union, and any subsidiaries of such an entity. \n( 3 ) Under the Securities Exchange Act of XXXX [ 15 U.S.C. 78a et seq. ], by the Securities and Exchange Commission with respect to any broker or dealer. \n( 4 ) Under the Investment Company Act of XXXX [ 15 U.S.C. 80a1 et seq. ], by the Securities and Exchange Commission with respect to investment companies. \n( 5 ) Under the Investment Advisers Act of XXXX [ 15 U.S.C. 80b1 et seq. ], by the Securities and Exchange Commission with respect to investment advisers registered with the Commission under such Act.\n\n( 6 ) Under State insurance law, in the case of any person engaged in providing insurance, by the applicable State insurance authority of the State in which the person is domiciled, subject to section 6701 of this title.\n\n( 7 ) Under the Federal Trade Commission Act [ 15 U.S.C. 41 et seq. ], by the Federal Trade Commission for any other financial institution or other person that is not subject to the jurisdiction of any agency or authority under paragraphs ( 1 ) through ( 6 ) of this subsection.\n\n( 8 ) Under subtitle E of the Consumer Financial Protection Act of XXXX [ 12 U.S.C. 5561 et seq. ], by the Bureau of Consumer Financial Protection, in the case of any financial institution and other covered person or service provider that is subject to the jurisdiction of the Bureau and any person subject to this subchapter, but not with respect to the standards under section 6801 of this title.\n\n( b ) Enforcement of section 6801 ( 1 ) In general Except as provided in paragraph ( 2 ), the agencies and authorities described in subsection ( a ), other than the Bureau of Consumer Financial Protection, shall implement the standards prescribed under section 6801 ( b ) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p1 ( a ) of title 12 are implemented pursuant to such section.\n\n( 2 ) Exception The agencies and authorities described in paragraphs ( 3 ), ( 4 ), ( 5 ), ( 6 ), and ( 7 ) of subsection ( a ) shall implement the standards prescribed under section 6801 ( b ) of this title by rule with respect to the financial institutions and other persons subject to their respective jurisdictions under subsection ( a ).\n\n( c ) Absence of State action If a State insurance authority fails to adopt regulations to carry out this subchapter, such State shall not be eligible to override, pursuant to section 1831x ( g ) ( 2 ) ( B ) ( iii ) of title 12, the insurance customer protection regulations prescribed by a Federal banking agency under section 1831x ( a ) of title 12.\n\n( d ) Definitions The terms used in subsection ( a ) ( 1 ) that are not defined in this subchapter or otherwise defined in section 1813 ( s ) of title 12 shall have the same meaning as given in section 3101 of title 12.","date_sent_to_company":"2024-01-23T18:36:52.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"95841","tags":null,"has_narrative":true,"complaint_id":"8208323","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-01-23T18:01:48.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["( 4 ) Under the Investment Company Act of XXXX [ 15 U.S.C. 80a1 et seq. ], by the <em>Securities</em> and <em>Exchange</em> <em>Commission</em> with respect to investment companies. \n( 5 ) Under the Investment Advisers Act of XXXX [ 15 U.S.C. 80b1 et seq. ], by the <em>Securities</em> and <em>Exchange</em> <em>Commission</em> with respect to investment advisers registered with the <em>Commission</em> under such Act."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[20.476055,"8208323"]},{"_index":"complaint-public-v1","_id":"8208764","_score":20.461567,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Transunion, XXXX, And XXXX are reporting my transaction history. \nPer The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). \n\nIt is My personal information my credit limit and the Exact amount I have paid. If I make a payment and how much the payment is, This is my personal information. The reporting of such infrmation such as spicific details, like amount, limit, when and how much i paid goes againt my privacy. \n\nThey should not be reporting transaction history! Especially since I have already opted out. in a previous letter and cfpb report. Per 16 cfr 313 Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.\n\nPer 15 us code 6801, 6802 and 6805. \n\nPer 15 us code 6801. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.\n\nSubject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) banks insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), insured State branches of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; and ( D ) savings associations the deposits of which are insured by the Federal Deposit Insurance Corporation, and any subsidiaries of such savings associations ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ). \n( 2 ) Under the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], by the Board of the National Credit Union Administration with respect to any federally insured credit union, and any subsidiaries of such an entity.\n\n( 3 ) Under the Securities Exchange Act of 1934 [ 15 U.S.C. 78a et seq. ], by the Securities and Exchange Commission with respect to any broker or dealer.\n\n( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the Securities and Exchange Commission with respect to investment companies.\n\n( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the Securities and Exchange Commission with respect to investment advisers registered with the Commission under such Act.\n\n( 6 ) Under State insurance law, in the case of any person engaged in providing insurance, by the applicable State insurance authority of the State in which the person is domiciled, subject to section 6701 of this title.\n\n( 7 ) Under the Federal Trade Commission Act [ 15 U.S.C. 41 et seq. ], by the Federal Trade Commission for any other financial institution or other person that is not subject to the jurisdiction of any agency or authority under paragraphs ( 1 ) through ( 6 ) of this subsection.\n\n( 8 ) Under subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau of Consumer Financial Protection, in the case of any financial institution and other covered person or service provider that is subject to the jurisdiction of the Bureau and any person subject to this subchapter, but not with respect to the standards under section 6801 of this title.\n\n( b ) Enforcement of section 6801 ( 1 ) In general Except as provided in paragraph ( 2 ), the agencies and authorities described in subsection ( a ), other than the Bureau of Consumer Financial Protection, shall implement the standards prescribed under section 6801 ( b ) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p1 ( a ) of title 12 are implemented pursuant to such section.\n\n( 2 ) Exception The agencies and authorities described in paragraphs ( 3 ), ( 4 ), ( 5 ), ( 6 ), and ( 7 ) of subsection ( a ) shall implement the standards prescribed under section 6801 ( b ) of this title by rule with respect to the financial institutions and other persons subject to their respective jurisdictions under subsection ( a ).\n\n( c ) Absence of State action If a State insurance authority fails to adopt regulations to carry out this subchapter, such State shall not be eligible to override, pursuant to section 1831x ( g ) ( 2 ) ( B ) ( iii ) of title 12, the insurance customer protection regulations prescribed by a Federal banking agency under section 1831x ( a ) of title 12.\n\n( d ) Definitions The terms used in subsection ( a ) ( 1 ) that are not defined in this subchapter or otherwise defined in section 1813 ( s ) of title 12 shall have the same meaning as given in section 3101 of title 12.","date_sent_to_company":"2024-01-23T18:37:01.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"95841","tags":null,"has_narrative":true,"complaint_id":"8208764","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-01-23T18:36:58.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the <em>Securities</em> and <em>Exchange</em> <em>Commission</em> with respect to investment companies.\n\n( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the <em>Securities</em> and <em>Exchange</em> <em>Commission</em> with respect to investment advisers registered with the <em>Commission</em> under such Act."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[20.461567,"8208764"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":935,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":935}]}},"product":{"doc_count":935,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":517,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit 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