{"took":117,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":40,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6608219","_score":12.637994,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the claimed debt identified above. Despite my previous attempts to provide relevant information, I received an email from Experian on XX/XX/XXXX, indicating that my request to block information was made on a material misrepresentation or error. This response is unacceptable, particularly given the sensitive nature of the matter and the legal implications involved. \n\nTo clarify, I have already submitted numerous pieces of information about this account, including a certified mail sent to Experian on XX/XX/XXXX. This certified mail included copies of the FTC complaint, police report, identity theft affidavit, utility bill, copy of driver 's license, copy of my Social Security card, and a copy of FCRA Section 609 ( e ). As a consumer disputing claimed debts under the US Constitution and the law of California State and US Federal Law, I reserve and invoke all legal rights to which I am entitled. \nI wish to remind you that by violating my FCRA 609, the Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, you are putting yourself at legal risk. You may be liable for your willful noncompliance, as seen in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. Nov. 14, 1995 ). Therefore, I urge you to take immediate action and remove this inaccurate and incomplete information, specifically the XXXX XXXX XXXX account number XXXX, within the next 30 days. \n\nShould you fail to comply with this request, I will be left with no choice but to file a formal complaint with the Federal Trade Commission. Furthermore, if this final request does not prompt you to conduct a proper investigation of this account in question and provide me with proof of said investigation, I will be forced to file a civil suit in my county for damages. Please be advised that I take my credit very seriously and your lack of professionalism and assistance is deeply disappointing. \n\nI am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. I urge you to handle this matter with the utmost urgency and professionalism and to comply with my request as outlined above.","date_sent_to_company":"2023-02-23T19:29:26.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91706","tags":null,"has_narrative":true,"complaint_id":"6608219","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-02-23T18:25:09.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["To clarify, I have already submitted <em>numerous</em> pieces of information about this account, including a certified mail sent to Experian on XX/XX/XXXX. This certified mail included copies of the FTC complaint, police report, identity theft affidavit, utility bill, copy of driver 's license, copy of my Social <em>Security</em> card, and a copy of FCRA Section 609 ( e )."]},"sort":[12.637994,"6608219"]},{"_index":"complaint-public-v1","_id":"15013396","_score":11.060505,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern at the Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ), Privacy Act of 1974, IRS rules, and securities law, in connection with the continued reporting of a charged-off auto loan that is no longer legally enforceable or verifiable. XXXX is willfully and knowingly furnishing inaccurate and misleading information to credit reporting agencies despite numerous disputes and federal protections afforded to me under law. \n\nSupporting Evidence from XXXX  Own SEC Filings Attached screenshots from XXXX SEC disclosures clearly demonstrate : The tradeline was securitized and sold, making XXXX no longer the rightful owner of the asset, yet they continue to report the debt as if it is owed to them. \nTheir pooling and servicing agreements show the receivables were sold and converted into investment instruments, and thus can not lawfully be pursued or reported as an open debt. \nXXXX own language shows they are aware of these transfers but have not updated or corrected their credit reporting practices accordingly, violating disclosure, accuracy, and fiduciary rules under the Securities Exchange Acts of 1933 and 1934, and the Trust Indenture Act of 1939. \nThey continue to reflect past due statuses and payment history post-charge-off, even though the balance is {$0.00}, creating a false narrative of monthly delinquency and damaging my creditworthiness. \n\nLegal Violations Incurred 15 U.S.C. 1681 ( FCRA ) : 1681e ( b ) : Duty to maintain accurate information.\n\n1681s-2 ( a ) ( 1 ) : Knowingly reporting false data.\n\n1681i : Failure to correct inaccurate information after notice of dispute.\n\n1681i ( a ) ( 6 ) ( B ) ( iii ) : Refusal to disclose verification method.\n\n12 CFR 1022.43 : Failure to block unverifiable or disputed tradelines within 4 business days.\n\n16 CFR 313.7 : Unauthorized disclosure of nonpublic personal information without notice or opt-out.\n\n5 U.S.C. 552a ( Privacy Act ) : Failure to safeguard consumer records and prevent dissemination of inaccurate private information.\n\n15 U.S.C. 68026805 ( GLBA ) : Failure to maintain proper consumer privacy and disclosure controls.\n\nIRS Publication 525 : By IRS standards, a charge-off is considered cancellation of debt and therefore taxable income. Reporting this as owed while showing {$0.00} balance misleads both the IRS and credit bureaus.\n\n15 U.S.C. 1666b : Failure to correctly disclose payment obligations and charge-off terms violates consumer billing protections.\n\n16 CFR 433.1433.3 ( FTC Holder Rule ) : If this debt originated from an installment contract, XXXX continued reporting after sale or assignment may violate rules requiring disclosure of consumer defenses and prohibiting deceptive collection. \n\n17 CFR 240.15c3-3 & Trust Indenture Act of 1939 : Securitized accounts reported as active debts contradict federal securities and disclosure laws, as the asset is no longer legally enforceable by the original lender. \n\nSummary of Misconduct XXXX has : Reported derogatory payment activity after the account was charged off Failed to provide verification or source documentation when disputed Continued to report a {$0.00} balance account as past due Violated SEC disclosure obligations by mischaracterizing the nature of securitized assets This conduct is deliberate, deceptive, and injurious, and demonstrates XXXX  disregard for federal consumer protections. \n\nRequested Relief Immediate deletion of this tradeline from Experian, XXXX, and XXXX  Written confirmation that XXXX will not reinsert the account Financial compensation of {$4500.00} for damages related to emotional distress, reputational harm, and time lost disputing an account they have no standing to report Supporting evidence from XXXX SEC filings is included in the form of annotated screenshots showing fraudulent and misleading activity in their own words. These documents prove XXXX knew or should have known they had no lawful basis to continue reporting this tradeline. \n\nThank you for investigating this serious matter and protecting consumers from ongoing harm. \n\nRespectfully, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO [ XXXX ] XXXX XXXX","date_sent_to_company":"2025-08-04T05:56:04.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"15013396","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-04T05:55:31.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX own language shows they are <em>aware</em> of these transfers but have not updated or corrected their credit reporting practices accordingly, violating disclosure, accuracy, and fiduciary rules under the <em>Securities</em> Exchange Acts of 1933 and 1934, and the Trust Indenture Act of 1939. \nThey continue to reflect past due statuses and payment history post-charge-off, even though the balance is {$0.00}, creating a false narrative of monthly delinquency and damaging my creditworthiness."]},"sort":[11.060505,"15013396"]},{"_index":"complaint-public-v1","_id":"4032781","_score":10.946941,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have contacted Experian credit reporting agency on numerous occasions asking them to clear my credit report of false and inaccurate reporting under my name and my social security number. I have spent countless amounts of money sending Experian certified letters and supporting documentation proving to this company that I am the victim of Identity theft. I have been fighting with them for months now trying to get my name cleared of fraudulent account that do not belong to me. This company insist that they have found the accounts to be accurate and they refuse to remove these accounts. The companies claim that there were several payments made to these accounts in the past, I do not care those payments were not made by me!!! I am the Victim of a haines crime and I want my name cleared of these charges immediately. I feel like I have been robbed twice, by the person who stole my identity and the Experian, By law if the company has not provided any proof bearing my signature that shows that these accounts belong to me then they have to be removed and Experian refuses to remove these accounts, I know that this information has not been provided because my initial disputes started with the actual reporting agencies and I still did not get any proof that these are debts that I owe these companies. I am asking for my reports to be cleared of the account of XXXX XXXX in which they claim I owe {$5400.00} opened on XX/XX/2017, it shows like XXXX charge offs and 6 late payments also shows as a closed account. Please again also note that a company sending itemized print outs of billing and itemized payments made to these accounts is not any type of proof that these debts belong nor have ever belonged to me, my proof of my Identity Theft reports more than prove that I am a victim of these crimes, I have sent all the required documentation to this company and they still refuse to ignore my request to clear my credit reports immediately. CFPB I am asking you to step in. \n\nPLEASE NOTE : As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. \nI am again formally requesting a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. \nBe aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. \nI am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compli- ance. \nFailure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damag- es per violation for : Defamation Negligent Enablement of Identity Fraud My Identity Theft Report Case # is XXXX My Police Report Case number is XXXX Attached is supporting documents that have been sent to XXXX in certified letter over 5 times.","date_sent_to_company":"2020-12-27T15:56:00.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77584","tags":null,"has_narrative":true,"complaint_id":"4032781","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-12-27T15:47:35.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["PLEASE NOTE : As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be <em>aware</em> that a printout of a bill or itemized document does not constitute verification. \nI am again formally requesting a copy of any documents, bearing my sig- <em>nature</em>, showing that I have a legally binding contractual obligation to pay you the alleged amount. \nBe <em>aware</em> that I am making a final goodwill attempt to have you clear up this matter."]},"sort":[10.946941,"4032781"]},{"_index":"complaint-public-v1","_id":"4032771","_score":10.437067,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have contacted Equifax credit reporting agency on numerous occasions asking them to clear my credit report of false and inaccurate reporting under my name and my social security number. I have spent countless amounts of money sending Equifax certified letters and supporting documentation proving to this company that I am the victim of Identity theft. I have been fighting with them for months now trying to get my name cleared of fraudulent account that do not belong to me. This company insist that they have found the accounts to be accurate and they refuse to remove these accounts. The companies claim that there were several payments made to these accounts in the past, I do not care those payments were not made by me!!! I am the Victim of a haines crime and I want my name cleared of these charges immediately. I feel like I have been robbed twice, by the person who stole my identity and the Equifax, By law if the company has not provided any proof bearing my signature that shows that these accounts belong to me then they have to be removed and Equifax refuses to remove these accounts, I know that this information has not been provided because mu initial disputes started with the actual reporting agencies and I still did not get any proof that these are debts that I owe these companies. I am asking for my reports to be cleared of the account of XXXX/XXXX in which they claim I owe a {$0.00} balance opened on XX/XX/2017 that has been charged off and shows as a closed account, and XXXX XXXX  in which they claim I owe {$5400.00} opened on XX/XX/2017, it shows like 20 charge offs and 6 late payments also shows as a closed account. Please again also note that a company sending itemized print outs of billing and itemized payments made to these accounts is not any type of proof that these debts belong nor have ever belonged to me, my proof of my Identity Theft reports more than prove that I am a victim of these crimes, I have sent all the required documentation to this company and they still refuse to ignore my request to clear my credit reports immediately. CFPB I am asking you to step in. \n\nPLEASE NOTE : As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. \nI am again formally requesting a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. \nBe aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. \nI am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compli- ance. \nFailure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damag- es per violation for : Defamation Negligent Enablement of Identity Fraud My Identity Theft Report Case # is XXXX My Police Report Case number is XXXX Attached is supporting documents that have been sent to Equifax in certified letter over 5 times.","date_sent_to_company":"2020-12-27T15:46:01.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77584","tags":null,"has_narrative":true,"complaint_id":"4032771","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-12-27T15:09:01.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["PLEASE NOTE : As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be <em>aware</em> that a printout of a bill or itemized document does not constitute verification. \nI am again formally requesting a copy of any documents, bearing my sig- <em>nature</em>, showing that I have a legally binding contractual obligation to pay you the alleged amount. \nBe <em>aware</em> that I am making a final goodwill attempt to have you clear up this matter."]},"sort":[10.437067,"4032771"]},{"_index":"complaint-public-v1","_id":"7649408","_score":9.730415,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I hope this letter finds you in good health. I am writing to express my profound dissatisfaction and frustration regarding the persistent fraudulent items that continue to XXXX my credit report. Despite numerous attempts on my part to rectify this issue, I have yet to witness any substantial progress in their removal. \n\nI have conscientiously monitored my credit report and have identified a distressing number of fraudulent entries that have absolutely no association with my financial history. These fraudulent items encompass a range of discrepancies, including list specific fraudulent items, such as unauthorized accounts, late payments, or collections. These inaccuracies are not only decimating my credit score but also causing immense anxiety and distress. \n\nI first discovered these fraudulent entries before and since then, I have undertaken extensive efforts to address this situation : I submitted formal dispute letters to your agency, meticulously delineating each fraudulent item and providing exhaustive documentation to substantiate their inaccuracy. \n\nSubsequently, I have made innumerable follow-up inquiries through written correspondences and phone calls to ascertain the status of my dispute and to urge expedited resolution. \n\nIn full compliance with your agency 's prescribed procedures, I filed identity theft reports with the pertinent authorities, including the Federal Trade Commission ( FTC ), to meticulously document the fraudulent activities and bolster my claims. \n\nDespite my arduous efforts and my unwavering commitment to following your agency 's dispute resolution process to the letter, these fraudulent items have endured on my credit report, inflicting irreparable harm to my financial credibility and peace of mind. I ardently believe that immediate and unequivocal action is imperative to remedy this dire situation. \n\nConsequently, I kindly insist upon the following actions to be executed without delay to redress this matter : I implore your agency to undertake an accelerated and comprehensive investigation into the fraudulent items on my credit report. A swift resolution is absolutely vital to mitigate the considerable harm these inaccuracies have engendered. \n\nUpon confirmation of the fraudulent nature of these items, I demand their instantaneous removal from my credit report. This action is non-negotiable to restore my financial credibility and peace of mind. \nI anticipate and demand timely and transparent communication from your agency concerning the status of the investigation and the steps being taken to resolve this matter. Frequent updates on the progress of my dispute are imperative to rebuild my eroded trust in your services. \n\nIn light of these persistent fraudulent entries, I expect your agency to implement heightened security measures to safeguard my credit profile from further unauthorized activity. \n\nI recognize the complexities often associated with investigating and rectifying fraudulent items, but I wish to underscore the urgency of addressing my concerns without any further procrastination. The inaccuracies on my credit report have inflicted severe damage on my financial stability, thwarting my ability to access loans or credit on equitable terms. \n\nI insist upon a comprehensive, written response to this formal complaint withinthe exact timeframe from the date of this letter. This response should delineate the concrete actions taken by the XXXX Credit Bureaus to resolve this matter. Please be aware that my patience is wearing thin, and the continuation of this situation will leave me with no alternative but to pursue legal remedies. Kindly assist me to remove the following fraudulent items in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2023-10-06T01:26:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"72206","tags":null,"has_narrative":true,"complaint_id":"7649408","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-10-06T01:26:29.000Z","state":"AR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Please be <em>aware</em> that my patience is wearing thin, and the continuation of this situation will leave me with no alternative but to pursue legal remedies."]},"sort":[9.730415,"7649408"]},{"_index":"complaint-public-v1","_id":"7649407","_score":9.730415,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I hope this letter finds you in good health. I am writing to express my profound dissatisfaction and frustration regarding the persistent fraudulent items that continue to mar my credit report. Despite numerous attempts on my part to rectify this issue, I have yet to witness any substantial progress in their removal. \n\nI have conscientiously monitored my credit report and have identified a distressing number of fraudulent entries that have absolutely no association with my financial history. These fraudulent items encompass a range of discrepancies, including list specific fraudulent items, such as unauthorized accounts, late payments, or collections. These inaccuracies are not only decimating my credit score but also causing immense anxiety and distress. \n\nI first discovered these fraudulent entries before and since then, I have undertaken extensive efforts to address this situation : I submitted formal dispute letters to your agency, meticulously delineating each fraudulent item and providing exhaustive documentation to substantiate their inaccuracy. \n\nSubsequently, I have made innumerable follow-up inquiries through written correspondences and phone calls to ascertain the status of my dispute and to urge expedited resolution. \n\nIn full compliance with your agency 's prescribed procedures, I filed identity theft reports with the pertinent authorities, including the Federal Trade Commission ( FTC ), to meticulously document the fraudulent activities and bolster my claims. \n\nDespite my arduous efforts and my unwavering commitment to following your agency 's dispute resolution process to the letter, these fraudulent items have endured on my credit report, inflicting irreparable harm to my financial credibility and peace of mind. I ardently believe that immediate and unequivocal action is imperative to remedy this dire situation. \n\nConsequently, I kindly insist upon the following actions to be executed without delay to redress this matter : I implore your agency to undertake an accelerated and comprehensive investigation into the fraudulent items on my credit report. A swift resolution is absolutely vital to mitigate the considerable harm these inaccuracies have engendered. \n\nUpon confirmation of the fraudulent nature of these items, I demand their instantaneous removal from my credit report. This action is non-negotiable to restore my financial credibility and peace of mind. \nI anticipate and demand timely and transparent communication from your agency concerning the status of the investigation and the steps being taken to resolve this matter. Frequent updates on the progress of my dispute are imperative to rebuild my eroded trust in your services. \n\nIn light of these persistent fraudulent entries, I expect your agency to implement heightened security measures to safeguard my credit profile from further unauthorized activity. \n\nI recognize the complexities often associated with investigating and rectifying fraudulent items, but I wish to underscore the urgency of addressing my concerns without any further procrastination. The inaccuracies on my credit report have inflicted severe damage on my financial stability, thwarting my ability to access loans or credit on equitable terms. \n\nI insist upon a comprehensive, written response to this formal complaint withinthe exact timeframe from the date of this letter. This response should delineate the concrete actions taken by the XXXX Credit Bureaus to resolve this matter. Please be aware that my patience is wearing thin, and the continuation of this situation will leave me with no alternative but to pursue legal remedies. Kindly assist me to remove the following fraudulent items in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2023-10-06T01:26:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"72206","tags":null,"has_narrative":true,"complaint_id":"7649407","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-10-06T01:26:29.000Z","state":"AR","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Please be <em>aware</em> that my patience is wearing thin, and the continuation of this situation will leave me with no alternative but to pursue legal remedies."]},"sort":[9.730415,"7649407"]},{"_index":"complaint-public-v1","_id":"11453614","_score":9.345035,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally submit a complaint regarding Experian, XXXX, and XXXX, as they are deliberately reporting false information on my credit report, which is adversely affecting my XXXX XXXX. Despite my numerous calls and applications challenging the inaccuracies on my credit report, these agencies have refused to conduct proper investigations into the issues I have raised. \n\nAs a result of these erroneous reports, I have been denied essential business credit, personal credit, and job opportunities. This has led to significant hardships, including homelessness, loss of transportation, social restrictions, arguments, and undue stress. Although I experienced some of the most successful years in my personal and business life from XXXX to XXXX, the XXXX pandemic in XXXX caused immense hardship and nearly collapsed both my personal and business life. Prior to the pandemic, I had never missed a payment on my accounts. \n\nI am aware that some individuals have had negative items removed from their credit profiles due to XXXX ; however, this relief has not been applied uniformly across all credit profiles, including mine. Since the pandemic, restructuring my financial situation has become impossible due to the inaccurate information being reported. \n\nI have reported to Experian that it is inaccurately showing high balances on charged-off accounts. For instance, I have statements from XXXX Bank indicating a XXXX balance, yet my credit report shows a balance of {$3700.00}. Experian defends this by claiming it is historical in nature ; however, they are legally required to report accurate information. \n\nAdditionally, I have invalidated collections from companies such as XXXX XXXX, with which I have never done business. I have also noticed unauthorized credit inquiries on my report, leading me to place security freezes with XXXX, XXXX, and other agencies, as I am a victim of identity theft due to recent data breaches. \n\nExperian continues to report names such as XXXX XXXX XXXX, who is my biological sister, potentially indicating that she is involved in the opening of these collection accounts. \n\nI am enclosing letters sent to XXXX XXXX and XXXX XXXX XXXX, which illustrate the inconsistent information reported among the XXXX agencies. For example, Experian shows a XXXX account ( number : XXXX ) with a last payment date of XX/XX/XXXX, and a XXXX late payment for XX/XX/XXXX. In contrast, XXXX lists the same account with a last payment date of XX/XX/XXXX, and a XXXX late payment for XX/XX/XXXX. Despite my challenges to these discrepancies, I always receive generic responses stating that the information has been verified. This situation is disheartening, as my efforts yield no constructive results. \n\nRegarding the XXXX XXXX account number XXXX, I note that Experian lists the account opening date as XX/XX/XXXX, while XXXX states it was opened on XX/XX/XXXX, and I do not recognize this account. I have received over XXXX alerts from Experian indicating that my identity, email, phone number, and Social Security number have been found on the dark web over the past XXXX years. Furthermore, the addresses associated with these accounts are inaccurate, as I do not reside at those locations. \n\nThe law mandates that accounts reported on my credit report must be accurate. The blatant errors in my report indicate that proper verification has not been conducted. Given my continuous challenges and the generic responses stating \" verify, '' it is clear that the inaccurate information can not be verified with due diligence. This violates the Fair Credit Reporting Act ( FCRA ), specifically Section 1681e ( b ).\n\nThese violations and the failure to ensure maximum possible accuracy in all accounts on my credit file must be addressed. Once the credit agencies refuse to report accurately, it constitutes negligence and a wanton disregard for the requirements of the FCRA, particularly Section 1681i. I maintain my constitutional right to challenge these violations through legal action after disputing them administratively. I swear under XXXX of XXXX that the information contained herein is accurate. \n\nThank you for your attention to this matter. I look forward to your prompt response and resolution of these issues. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX Ga XXXX","date_sent_to_company":"2025-01-27T19:17:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"11453614","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-09T20:30:49.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Experian defends this by claiming it is historical in <em>nature</em> ; however, they are legally required to report accurate information. \n\nAdditionally, I have invalidated collections from companies such as XXXX XXXX, with which I have never done business. I have also noticed unauthorized credit inquiries on my report, leading me to place <em>security</em> freezes with XXXX, XXXX, and other agencies, as I am a victim of identity theft due to recent data breaches."]},"sort":[9.345035,"11453614"]},{"_index":"complaint-public-v1","_id":"15502491","_score":9.134997,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB, THIS IS A LETTER FROM MY ATTORNEY. Please let the three credit agencies know we are suing them. I have retained a lawyer. We WILL be suing them. They are to adjust my scores upward by at least XXXX points IMMEDIATELY according to FCRA law AND my attorney. Here is the letter to Equifax. TransUnion and Experian will be getting a copy as well : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX VIA CERTIFIED MAIL & EMAIL XX/XX/year> To the Legal Department & Registered Agent Equifax Information Services LLC XXXX. XXXX XXXX, GA XXXX RE : FORMAL DEMAND FOR IMMEDIATE CORRECTION OF CREDIT FILES AND NOTICE OF IMPENDING LITIGATION Consumer : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Social Security Number : XXXX Disputed Credit File ( s ) : Equifax , Experian, TransUnion Dear Sir/Madam : I am counsel to the above-referenced consumer, XXXX XXXX.. This law firm has been retained to pursue all available legal and equitable remedies for your agencys persistent, willful, and malicious violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. \n\nDespite our clients demonstrably improved financial condition and significantly reduced debt profile, your agency has wrongfully, recklessly, and inexplicably decreased his credit score. This action is not only inaccurate but constitutes a willful failure to follow reasonable procedures to assure maximum possible accuracy of information, a direct violation of 15 U.S.C. 1681e ( b ). Furthermore, your failure to properly investigate and correct these inaccuracies upon reasonable suspicion violates the reinvestigation procedures mandated by 15 U.S.C. 1681i.\n\nYour actions have caused and continue to cause our client severe financial and emotional distress. He has been wrongfully denied credit and favorable terms on numerous occasions, directly due to your agencys negligent and malicious reporting. \n\nI. DEMAND FOR IMMEDIATE ACTION We hereby demand that you immediately initiate a reinvestigation into our clients entire credit file. All inaccurate, unverified, or obsolete items must be permanently deleted. Furthermore, we demand that you take all necessary steps to ensure his credit score is adjusted upward by no less than XXXX XXXX ( XXXX ) points to reflect his true creditworthiness. This correction must be completed no later than XXXXXXXX XXXX  XXXX XXXX on XX/XX/scrub>XXXX \n\nI have advised my client to simultaneously send a copy of this letter directly to your dispute department and the CFPB to ensure there is no delay in initiating the process of adjusting his score upward immediately. \n\nII. NOTICE OF LIABILITY AND ESCALATING DAMAGES Please be advised that your continued failure to comply with the FCRA is accruing significant statutory and punitive liability. As you are aware, the Federal Trade Commission has recently adjusted civil penalties for knowing FCRA violations to {$4900.00} per violation. Given the widespread and systemic nature of your non-compliance, we are prepared to seek statutory damages for every willful violation. \n\nIf you fail to meet the deadline above, we will have no alternative but to immediately file a civil action in the United States District Court seeking XXXX XXXX DOLLARS ( {>= $1,000,000} ) in compensatory, statutory, and punitive damages. \n\nFurthermore, be advised that every day you continue to keep our clients credit score artificially low after this deadline constitutes a separate and distinct violation. Consequently, if we are forced to litigate, our initial prayer for relief will be increased to XXXX XXXX DOLLARS ( {>= $1,000,000} ) to account for this ongoing, aggravating conduct. \n\nThis firm has already initiated contact with the Office of the General Counsel of your parent organization to ensure this grave matter receives the immediate attention it warrants from the highest levels of your corporation. \n\nGovern yourselves accordingly. The time for negotiation is over ; the time for immediate corrective action is now. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX : Office of the General Counsel, Equifax Inc.\n\nDispute Department, Equifax","date_sent_to_company":"2025-08-25T14:53:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32771","tags":null,"has_narrative":true,"complaint_id":"15502491","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-25T14:39:14.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Dispute</em> Department, Equifax"]},"sort":[9.134997,"15502491"]},{"_index":"complaint-public-v1","_id":"15502931","_score":9.116433,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB, THIS IS A LETTER FROM MY ATTORNEY. Please let the three credit agencies know we are suing them. I have retained a lawyer. We WILL be suing them. They are to adjust my scores upward by at least XXXX points IMMEDIATELY according to FCRA law AND my attorney. Here is the letter to Equifax. TransUnion and Experian will be getting a copy as well : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX VIA CERTIFIED MAIL & EMAIL XX/XX/year> To the Legal Department & Registered Agent Equifax Information Services LLC XXXX. XXXX XXXX, GA XXXX RE : FORMAL DEMAND FOR IMMEDIATE CORRECTION OF CREDIT FILES AND NOTICE OF IMPENDING LITIGATION Consumer : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Social Security Number : XXXX Disputed Credit File ( s ) : Equifax , Experian, TransUnion Dear Sir/Madam : I am counsel to the above-referenced consumer, XXXX XXXX.. This law firm has been retained to pursue all available legal and equitable remedies for your agencys persistent, willful, and malicious violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. \n\nDespite our clients demonstrably improved financial condition and significantly reduced debt profile, your agency has wrongfully, recklessly, and inexplicably decreased his credit score. This action is not only inaccurate but constitutes a willful failure to follow reasonable procedures to assure maximum possible accuracy of information, a direct violation of 15 U.S.C. 1681e ( b ). Furthermore, your failure to properly investigate and correct these inaccuracies upon reasonable suspicion violates the reinvestigation procedures mandated by 15 U.S.C. 1681i.\n\nYour actions have caused and continue to cause our client severe financial and emotional distress. He has been wrongfully denied credit and favorable terms on numerous occasions, directly due to your agencys negligent and malicious reporting. \n\nI. DEMAND FOR IMMEDIATE ACTION We hereby demand that you immediately initiate a reinvestigation into our clients entire credit file. All inaccurate, unverified, or obsolete items must be permanently deleted. Furthermore, we demand that you take all necessary steps to ensure his credit score is adjusted upward by no less than XXXX XXXX ( XXXX ) points to reflect his true creditworthiness. This correction must be completed no later than XXXXXXXX XXXX  XXXX XXXX on XX/XX/scrub>XXXX \n\nI have advised my client to simultaneously send a copy of this letter directly to your dispute department and the CFPB to ensure there is no delay in initiating the process of adjusting his score upward immediately. \n\nII. NOTICE OF LIABILITY AND ESCALATING DAMAGES Please be advised that your continued failure to comply with the FCRA is accruing significant statutory and punitive liability. As you are aware, the Federal Trade Commission has recently adjusted civil penalties for knowing FCRA violations to {$4900.00} per violation. Given the widespread and systemic nature of your non-compliance, we are prepared to seek statutory damages for every willful violation. \n\nIf you fail to meet the deadline above, we will have no alternative but to immediately file a civil action in the United States District Court seeking XXXX XXXX DOLLARS ( {>= $1,000,000} ) in compensatory, statutory, and punitive damages. \n\nFurthermore, be advised that every day you continue to keep our clients credit score artificially low after this deadline constitutes a separate and distinct violation. Consequently, if we are forced to litigate, our initial prayer for relief will be increased to XXXX XXXX DOLLARS ( {>= $1,000,000} ) to account for this ongoing, aggravating conduct. \n\nThis firm has already initiated contact with the Office of the General Counsel of your parent organization to ensure this grave matter receives the immediate attention it warrants from the highest levels of your corporation. \n\nGovern yourselves accordingly. The time for negotiation is over ; the time for immediate corrective action is now. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX : Office of the General Counsel, Equifax Inc.\n\nDispute Department, Equifax","date_sent_to_company":"2025-08-25T14:53:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32771","tags":null,"has_narrative":true,"complaint_id":"15502931","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-25T14:52:54.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Dispute</em> Department, Equifax"]},"sort":[9.116433,"15502931"]},{"_index":"complaint-public-v1","_id":"15485788","_score":9.116433,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB, THIS IS A LETTER FROM MY ATTORNEY. Please let the three credit agencies know we are suing them. I have retained a lawyer. We WILL be suing them. They are to adjust my scores upward by at least XXXX points IMMEDIATELY according to FCRA law AND my attorney. Here is the letter to Equifax. TransUnion and Experian will be getting a copy as well : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX VIA CERTIFIED MAIL & EMAIL XX/XX/year> To the Legal Department & Registered Agent Equifax Information Services LLC XXXX. XXXX XXXX, GA XXXX RE : FORMAL DEMAND FOR IMMEDIATE CORRECTION OF CREDIT FILES AND NOTICE OF IMPENDING LITIGATION Consumer : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Social Security Number : XXXX Disputed Credit File ( s ) : Equifax , Experian, TransUnion Dear Sir/Madam : I am counsel to the above-referenced consumer, XXXX XXXX.. This law firm has been retained to pursue all available legal and equitable remedies for your agencys persistent, willful, and malicious violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. \n\nDespite our clients demonstrably improved financial condition and significantly reduced debt profile, your agency has wrongfully, recklessly, and inexplicably decreased his credit score. This action is not only inaccurate but constitutes a willful failure to follow reasonable procedures to assure maximum possible accuracy of information, a direct violation of 15 U.S.C. 1681e ( b ). Furthermore, your failure to properly investigate and correct these inaccuracies upon reasonable suspicion violates the reinvestigation procedures mandated by 15 U.S.C. 1681i.\n\nYour actions have caused and continue to cause our client severe financial and emotional distress. He has been wrongfully denied credit and favorable terms on numerous occasions, directly due to your agencys negligent and malicious reporting. \n\nI. DEMAND FOR IMMEDIATE ACTION We hereby demand that you immediately initiate a reinvestigation into our clients entire credit file. All inaccurate, unverified, or obsolete items must be permanently deleted. Furthermore, we demand that you take all necessary steps to ensure his credit score is adjusted upward by no less than XXXX XXXX ( XXXX ) points to reflect his true creditworthiness. This correction must be completed no later than XXXXXXXX XXXX  XXXX XXXX on XX/XX/scrub>XXXX \n\nI have advised my client to simultaneously send a copy of this letter directly to your dispute department and the CFPB to ensure there is no delay in initiating the process of adjusting his score upward immediately. \n\nII. NOTICE OF LIABILITY AND ESCALATING DAMAGES Please be advised that your continued failure to comply with the FCRA is accruing significant statutory and punitive liability. As you are aware, the Federal Trade Commission has recently adjusted civil penalties for knowing FCRA violations to {$4900.00} per violation. Given the widespread and systemic nature of your non-compliance, we are prepared to seek statutory damages for every willful violation. \n\nIf you fail to meet the deadline above, we will have no alternative but to immediately file a civil action in the United States District Court seeking XXXX XXXX DOLLARS ( {>= $1,000,000} ) in compensatory, statutory, and punitive damages. \n\nFurthermore, be advised that every day you continue to keep our clients credit score artificially low after this deadline constitutes a separate and distinct violation. Consequently, if we are forced to litigate, our initial prayer for relief will be increased to XXXX XXXX DOLLARS ( {>= $1,000,000} ) to account for this ongoing, aggravating conduct. \n\nThis firm has already initiated contact with the Office of the General Counsel of your parent organization to ensure this grave matter receives the immediate attention it warrants from the highest levels of your corporation. \n\nGovern yourselves accordingly. The time for negotiation is over ; the time for immediate corrective action is now. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX : Office of the General Counsel, Equifax Inc.\n\nDispute Department, Equifax","date_sent_to_company":"2025-08-25T14:53:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32771","tags":null,"has_narrative":true,"complaint_id":"15485788","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-25T14:52:54.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Dispute</em> Department, Equifax"]},"sort":[9.116433,"15485788"]},{"_index":"complaint-public-v1","_id":"4897372","_score":7.1940746,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. Integra Credit presented me with a fraudulent contract, they did not fully disclose all accurate and truthful information in the loan contract. \n\nThe United States Supreme Court clearly states that : waivers of Constitutional Rights not only must be voluntary, but must be knowingly intelligent acts done with sufficient awareness of the relevant circumstances and likely consequences. XXXX XXXX United States XXXX XXXX U.S. XXXX, XXXX ( 1970 ). Also XXXX XXXX XXXX, XXXX XXXX defines fraud as an intentional perversion of truth for the purpose of inducing another ( individual ), in reliance upon it, to part with some valuable things belonging to him to surrender a legal right. A false representation of a matter of fact, whether by words or by conduct, by false or misleading allegations, or by concealment of that which should have been disclosed, which deceives and is intended to deceive another so that he shall act upon it to his legal injury. \n\nCongress defines the term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which collection of any debts. An instrument is a written document ; a formal or legal document in writing such as a contract, deed, will, bond, or lease. Anyone who sends written documents through the mails ( this includes email ) and the principal purpose of that document/instrument is to attempt to collect a debt they are in fact a debt collector. Congress is only referencing 3rd party debt collectors when they say due or asserted to owed or due another. Congress makes it abundantly clear that a debt collector is ANY person who uses instruments in interstate commerce whose principal purpose is the collection of debts. This information proves that Integra Credit is in fact a debt collector.\n\nIntegra Credit failed to inform me of the true nature of of the loan. There was illegal conduct in regards to the loan, including but not limited to fees, interest rates, monthly payments being paid which is against federal law pursuant to 15 USC 1605. Integra Credit is unable to loan money and/or credit as determined by case XXXX v. XXXX XXXX XXXX Bank, XXXX F XXXX XXXX XXXX XXXX, XXXX denied in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The contract with Integra Credit is deemed void and fraudulent based on the information outlined above and the following cases outline this : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX F XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX Bank, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. If the documents fail to provide all the necessary elements of a contract, then the contract was never legally executed and is void ab initial and no debt is owed. \n\nIntegra Credit has committed numerous violations of my consumer rights including but not limited to 15 USC 1605, 15 USC 1635, 15 USC 1692j, 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 7 ), 15 USC 1692e ( 8 ), 15 USC 1692f and many more which has been outlined in an Affidavit of Truth that was sent to them and delivered 11/01/21, with a signed return receipt as proof of delivery. \n\nIntegra Credit committed numerous crimes against me including but not limited to 18 USC 1341, 18 USC 3718, 18 USC 1028A and many more which has been outlined in an Affidavit of Truth that was sent to them and delivered XX/XX/XXXX, with a signed return receipt as proof of delivery. \n\nIntegra Credit committed identity theft when they contacted the Federal Reserve to get the alleged loan that they claim I got from them, when in fact it is Integra Credit that are the borrower and got a loan from me through the Federal Reserve. Integra Credit has committed identity theft on multiple occasions as they have knowingly used without lawful authority, a means of my identification in order to compromise my financial reputation. \n\nIntegra Credit was sent a Bill of Paticulars, Affidavit of Truth and Cease and Desist exercising my consumer rights pursuant to 15 USC 1692c ( c ) ( 2 ). I demanded that Integra Credit send me the following information to prove that the alleged debt was mine : ( 1 ) Name and address of the original creditor who created the debt, ( 2 ) Name on file of alleged debtor, ( 3 ) Alleged account #, ( 4 ) Address on file for the alleged creditor, ( 5 ) Amount of alleged debt, ( 6 ) Date this alleged debt became payable, ( 7 ) Date of original charge or delinquency, ( 8 ) was the debt assigned to a debt collector, ( 9 ) Amount paid of debt was purchased, ( 10 ) Commission for debt of collection efforts are successful, ( 11 ) Documentary evidence that this agency is in fact holder in due course, & ( 12 ) Certified copy of the original negative information notice required by FCRA Section 623 ( 7 ) ( A ). \n\nIntegra Credit violated my cease and desist by continuing to collect on the alleged debt when they cease all forms of communication with me through any and all mediums unless it pertains to my remedy in writing via mail.\n\nIntegra Credit was sent request of debt validated which they have not honored. Integra Credit has continued to violate 15 USC 1692g ( a ) ( they have not sent written notice containing information pursuant to federal law ) and they continue to violate 15 USC 1692g ( b ) by continuing to collect on an alleged debt that I have disputed without sending proof that I owe this debt. \n\nIntegra Credit has compromised my financial reputation with false, frivolous, and fraudulent allegations. Integra Credit are alleging that I owe a debt when it is a fact that I dont. The alleged debt is reported in a positive balance, if there was an actual debt it would be reported in a negative balance. Attempting to collect on a debt in a positive balance which is not an actual debt is a false representation of the amount of a debt. \n\nIntegra Credit has continued to violation 15 USC 1681 ( a ) ( 1 ), 15 USC 1681b ( 2 ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 10 ), 15 USC 1692f by claiming that I owe an alleged debt and by falsely and fraudulently reporting information they know is not true to consumer reporting agencies in an attempt to use unfair and deceptive means to make me pay an alleged debt I do not owe and they can not prove I owe and by doing so without my written permission to do so. \n\nI demanded in writing the Integra Credit stop reporting false, fraudulent information and alleged debt to consumer credit reporting agencies and furnishing my report with this information. Integra Credit are not reporting accurate information in accordance with the Fair Credit Reporting Act ( FCRA ) and they no longer have my written instructions to furnish my consumer credit report. \n\nPursuant to 31 USC 3718, Integra Credit has to have a contract with the treasury in order to even collect an alleged debt which Integra Credit does not have. \n\nThe United States government created a bond ( which is my birth certificate ) with which negotiable instruments may be issued. My bond and social security number provided the security interest for this consumer credit transaction. Security which covers all obligations or alleged obligations which is that of the United States government pursuant to 18 USC 8. \n\nTo extend my credit is a right I possess. It is the right to securitize instruments for my use. I extend that credit but never lose my rights because each contract involving my credit must also contain my right to rescind the transaction that created the security interest. \n\nI also informed Integra Credit that a sufficient response to my Affidavit of Truth was an affidavit with rebuttal, point for point anything else would constitute as a non-reasonable response and that not only does my unrebutted affidavit stand as truth in commerce but that I can and will file fault judgement in favor of me, the consumer. As of today Integra Credit is in default and the necessary actions are being taken against Integra Credit and XXXX XXXX.","date_sent_to_company":"2021-11-30T19:58:09.000Z","issue":"Can't stop withdrawals from your bank account","sub_product":"Payday loan","zip_code":"43213","tags":null,"has_narrative":true,"complaint_id":"4897372","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Deinde Online Services, LLC","date_received":"2021-11-10T22:27:32.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["My bond and social <em>security</em> number provided the <em>security</em> interest for this consumer credit transaction. <em>Security</em> which covers all obligations or alleged obligations which is that of the United States government pursuant to 18 USC 8. \n\nTo extend my credit is a right I possess. It is the right to securitize instruments for my use."]},"sort":[7.1940746,"4897372"]},{"_index":"complaint-public-v1","_id":"6990609","_score":6.840507,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/1993 RE : Violation of the United States XXXXode Law RE : Violation of the United States Code Law Dear Sir/Madam, I am writing this letter to address the violations of the Fair Credit Reporting Act ( FCRA ) committed by Equifax Information Services LLC XXXX It is evident that your agency is in direct violation of the FCRA by maintaining inaccurate, unverifiable, and invalidated information in my consumer file. This letter serves as a final written offer of settlement before pursuing litigation, as authorized by FCRA Sections 1681n, 1681o, and 1692k, seeking relief and monetary compensation for the damages caused by your noncompliance. Despite the requirements outlined in the FCRA, the unverified items listed below still remain on my credit report. Your agency is obligated to maintain a copy of the original creditors ' documentation to verify the accuracy and ownership of the reported information, as mandated by Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). However, you have failed to provide me with any original documentation, including a consumer contract with my signature. Furthermore, you have neglected to provide the method of verification as required under Section 611 ( a ) ( 7 ). It is crucial to note that Section 611 ( 5 ) ( A ) of the FCRA explicitly states that \" all information which can not be verified '' must be promptly deleted. I find it concerning that your agency appears to lack understanding of the FCRA, considering the numerous errors I have identified on my credit report. Allow me to provide a breakdown of the Fair Credit Reporting Act and the nature of FCRA violations : The Fair Credit Reporting Act is the primary federal law governing the collection and reporting of credit information. It establishes rules regarding the acquisition, retention, and sharing of consumer credit information. FCRA violations can occur when creditors furnish inaccurate financial information to reporting agencies, when reporting agencies mistakenly mix up information of different individuals due to similarities in names or Social Security numbers, or when agencies fail to follow guidelines for handling disputes. Under the Fair Credit Reporting Act, I have the following rights : a. The right to verify the accuracy of my report when it is required for employment purposes. b. The right to receive notification if information in my file has been used against me in credit applications or other transactions. c. The right to dispute inaccurate, incomplete, and unverifiable information in my report and have it corrected or deleted. d. The right to have outdated negative information removed from my report after the specified time limits ( typically seven years, or 10 years in the case of bankruptcy ). In light of the violations outlined above, I demand the immediate deletion of the following items from my credit report due to their inaccuracy, unverifiability, and invalidation : [ Provide a numbered list of the disputed items, including the account name, account number ( if applicable ), and a brief explanation of the issue with each item. ] Failure to comply with this request and resolve these inaccuracies within the stipulated timeframe may result in legal action in accordance with the FCRA. I am prepared to enforce my rights under the FCRA by pursuing litigation to seek the remedies provided by Section 616 and Section 617, which include actual damages, punitive damages, the costs of the action, and reasonable attorney 's fees. Furthermore, I request that you remove all non-account holding inquiries from my credit report. Please note that you have 30 days, as mandated by the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), to complete the reinvestigation of these disputed items. I also require a detailed description of the procedure used to determine the accuracy and completeness of the information within five days of completing the reinvestigation. I explicitly state that I do not consent to e-Oscar or any automated verification methods. Failure to respond satisfactorily within the specified timeframe may result in legal action, including a small claims lawsuit seeking {$5000.00} per violation for defamation, negligent enablement of identity fraud, violations of the Fair Credit Reporting Act, and financial injury. Please be aware that, depending on your response, I may publicly disclose any potential issues with your company through an online press release, including documentation of any pending small claims action. Copies of this complaint will be forwarded to the relevant organizations and authorities listed below for their information and appropriate action : XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me because I can not recognize this business. Please delete this account from my credit report. 10. The following personal information is incorrect DATE OF BIRTH : XXXX  11. The following personal information is incorrect DATE OF BIRTH : XXXX  I trust that you will take immediate action to rectify these violations and promptly address my concerns. I expect a comprehensive and satisfactory response from Equifax Information Services LLC within the specified timeframe. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX","date_sent_to_company":"2023-05-17T21:40:42.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85021","tags":null,"has_narrative":true,"complaint_id":"6990609","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-05-17T21:38:48.000Z","state":"AZ","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I find it concerning that your agency appears to lack understanding of the FCRA, considering the <em>numerous</em> errors I have identified on my credit report. Allow me to provide a breakdown of the Fair Credit Reporting Act and the <em>nature</em> of FCRA violations : The Fair Credit Reporting Act is the primary federal law governing the collection and reporting of credit information. It establishes rules regarding the acquisition, retention, and sharing of consumer credit information."]},"sort":[6.840507,"6990609"]},{"_index":"complaint-public-v1","_id":"7859547","_score":6.806547,"_source":{"product":"Credit card","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am compelled to seek your immediate intervention regarding the continuous and flagrant violations of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act by Chase. Despite numerous attempts to rectify these issues on the account XXXX, Chase has persisted in fraudulent reporting activities on my account and consumer reports ( XXXX, XXXX, XXXX, etc ) without my explicit consent. As per the FCRA, particularly under Sections 607 and 615, it is incumbent upon creditors to ensure the accuracy and integrity of the information they furnish to credit reporting agencies. Chase has failed in this regard, reporting erroneous transactions that have significantly impaired my credit standing and financial reputation as well as causing me great mental distress and anguish. These transactions include but are not limited to late payments, account statuss, private financial information, private personal information, balances, etc. Furthermore, the Gramm-Leach-Bliley Act mandates the protection of consumers non-public personal information. The Act stipulates that financial institutions must not disclose such information without the explicit consent of the consumer. Chases actions constitute a breach of this requirement, given that no such consent was provided for the dissemination of my personal financial data. I was not once offered an option to opt out of the sale and distribution of my private and confidential financial information to any third party data furnisher, or otherwise commonly referred to as a consumer reporting agency or credit reporting agency. This is aggravated identity theft and trafficking. I emphatically assert that under no circumstance have I authorized Chase to share, report, or use my personal financial experiences and transactions for reporting purposes. This unauthorized disclosure not only undermines my privacy rights but also contravenes the clearly outlined stipulations of the aforementioned Acts. Additionally the misuse of my personal information in credit reporting by Chase directly contravenes the exclusions outlined in 15 U.S.C. 1681d2a of the Fair Credit Reporting Act ( FCRA ), which prohibits the use of certain personal information without explicit consumer consent. The actions of Chase also align with the definition of securities fraud as outlined in 27 CFR 72.11. By manipulating and misrepresenting information related to my financial securities, they have engaged in deceptive practices. These deceptive practices are taking place both publicly and in the private, back office capacity. Significantly, my consumer rights under 16 CFR Part 433, known as the Holder in Due Course Rule, have been violated. This regulation provides protection to consumers when corporations, like Chase, sell a consumers credit contract to another lender or commercial entity, such as a collection agency entitled XXXX XXXX XXXX The sale of my credit contract to this third party entity without appropriate disclosures and consent is a serious violation of this rule. I approached Chase in a letter recently regarding this after they lied to me about selling this unlawfully closed and charged off account to XXXX XXXX XXXX, when, in fact the account was sold to XXXX according to the collection letter I received from them. Additionally, I have sent letter after letter requesting the 1099-C Copy B for my records of income and tax bookkeeping, being completely ignored by Agents of Chase when I politely asked for this document. The absence of a 1099-C form for debt cancellation, crucial for my tax filings, further suggests potential tax evasion practices by Chase and I am currently already working on an IRS 3949a form to submit against this corporation if I can not retrieve the form. Their failure to issue this document has directly impacted my financial responsibilities and tax reporting obligations. In addition to the aforementioned statutes, I will be asserting my rights under the Uniform Commercial Code, specifically UCC 9-210, which grants consumers the right to request a detailed accounting or a statement of account in matters involving consumer transactions. This request is particularly pertinent given the complexities and ambiguities surrounding the alleged debt and the subsequent actions by Chase and the collection agency involved, XXXX XXXX XXXX. Under UCC 9-210, I formally request a comprehensive accounting or a statement of the current status of the alleged debt. This request is rooted in the necessity to verify the legitimacy and accuracy of the claimed debt, especially considering the transfer of my credit contract to a third party debt collector. The lack of transparency and clarity in these transactions raises significant concerns about the integrity and legality of the debts purported balance and status. The applicability of UCC 9-210 in this context is undeniably relevant, as it directly pertains to the nature of the debt in question. The provision serves as a critical tool in uncovering potential discrepancies, fraud, or misrepresentations that may have occurred during the course of these transactions. It is imperative that Chase and any involved collection agencies, such as XXXX XXXX XXXX provide this detailed information to ensure compliance with the legal standards governing both secured transactions and consumer credit transactions. Failure to comply with this request not only demonstrates a disregard for the statutory rights afforded to consumers under UCC 9-210 but also further implicates Chase in potential legal infractions. This information is crucial for the validation of the debt, the status of the debt and for confirming that all transactions related to this debt have adhered to the lawful and ethical standards mandated by law. The provision of a detailed accounting or statement of accounting as requested under UCC 9-210 will enable a thorough examination of the claims and actions made by Chase, agents of Chase, and any assigned collection agencies that purchased this account from Chase. It is a necessary step in resolving the ongoing disputes and in ensuring that my consumer rights are fully protected and upheld. These repeated and varied violations of the law by Chase necessitate a comprehensive investigation and prompt corrective action. Additionally, I seek compensation for the substantial time and effort expended in rectifying these issues for months, which have caused considerable distress and inconvenience. I urge the CFPB to take immediate and stringent action against Chase to rectify these wrongs and prevent further harm. Your immediate attention to this matter is both necessary and appreciated. If further information is needed from me, please feel free to reach out to me. Thank you for your prompt and decisive action. I would also like to state, for the record, that I am FULLY aware of what is taking place internally with these creditors, how they conduct their affairs in the back office, the mechanics of consumer credit transactions and the fraud perpetrated against the consumer who may not be enlightened of the perplex commercial crimes and extortion taking place against them. I am also fully abreast of the fraud in the banking industry. I will not stop fighting for my rights until I am made fully whole and companies like JP Morgan Chase are held accountable for destroying reputations and lives of consumers. Thank you for your prompt attention to these matters. I look forward to resolving this matter. \nXXXX XXXX XXXX","date_sent_to_company":"2023-11-16T21:51:23.000Z","issue":"Improper use of your report","sub_product":"General-purpose credit card or charge card","zip_code":"36532","tags":null,"has_narrative":true,"complaint_id":"7859547","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-11-16T21:17:47.000Z","state":"AL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The actions of Chase also align with the definition of <em>securities</em> fraud as outlined in 27 CFR 72.11. By manipulating and misrepresenting information related to my financial <em>securities</em>, they have engaged in deceptive practices. These deceptive practices are taking place both publicly and in the private, back office capacity. Significantly, my consumer rights under 16 CFR Part 433, known as the Holder in Due Course Rule, have been violated."]},"sort":[6.806547,"7859547"]},{"_index":"complaint-public-v1","_id":"7870828","_score":6.803568,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am compelled to seek your immediate intervention regarding the continuous and flagrant violations of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act by XXXX. Despite numerous attempts to rectify these issues on the account XXXX, XXXX has persisted in fraudulent reporting activities on my account and consumer reports ( XXXX, XXXX, Transunion, etc ) without my explicit consent. I am formally putting any Consumer Reporting agencies that are reporting the following transactions and experiences on notice. As per the FCRA, particularly under Sections 607 and 615, it is incumbent upon creditors to ensure the accuracy and integrity of the information they furnish to credit reporting agencies. XXXX has failed in this regard, reporting erroneous transactions that have significantly impaired my credit standing and financial reputation as well as causing me great XXXX XXXX XXXX anguish. These transactions include but are not limited to late payments, account statuss, private financial information, private personal information, balances, etc. Furthermore, the Gramm-Leach-Bliley Act mandates the protection of consumers non-public personal information. The Act stipulates that financial institutions must not disclose such information without the explicit consent of the consumer. XXXX actions constitute a breach of this requirement, given that no such consent was provided for the dissemination of my personal financial data. I was not once offered an option to opt out of the sale and distribution of my private and confidential financial information to any third party data furnisher, or otherwise commonly referred to as a consumer reporting agency or credit reporting agency. This is aggravated identity theft and trafficking. I emphatically assert that under no circumstance have I authorized XXXX to share, report, or use my personal financial experiences and transactions for reporting purposes. This unauthorized disclosure not only undermines my privacy rights but also contravenes the clearly outlined stipulations of the aforementioned Acts. Additionally the misuse of my personal information in credit reporting by XXXX directly contravenes the exclusions outlined in 15 U.S.C. 1681d2a of the Fair Credit Reporting Act ( FCRA ), which prohibits the use of certain personal information without explicit consumer consent. The actions of XXXX also align with the definition of securities fraud as outlined in 27 CFR 72.11. By manipulating and misrepresenting information related to my financial securities, they have engaged in deceptive practices. These deceptive practices are taking place both publicly and in the private, back office capacity. Significantly, my consumer rights under 16 CFR Part 433, known as the Holder in Due Course Rule, have been violated. This regulation provides protection to consumers when corporations, like XXXX, sell a consumers credit contract to another lender or commercial entity, such as a collection agency entitled XXXX XXXXXXXX XXXX The sale of my credit contract to this third party entity without appropriate disclosures and consent is a serious violation of this rule. I approached XXXX in a letter recently regarding this after they lied to me about selling this unlawfully closed and charged off account to XXXX XXXX XXXX, when, in fact the account was sold to XXXX according to the collection letter I received from them. Additionally, I have sent letter after letter requesting the 1099-C Copy B for my records of income and tax bookkeeping, being completely ignored by Agents of XXXX when I politely asked for this document. The absence of a 1099-C form for debt cancellation, crucial for my tax filings, further suggests potential tax evasion practices by XXXX and I am currently already working on an IRS 3949a form to submit against this corporation if I can not retrieve the form. Their failure to issue this document has directly impacted my financial responsibilities and tax reporting obligations. In addition to the aforementioned statutes, I will be asserting my rights under the Uniform Commercial Code, specifically UCC 9-210, which grants consumers the right to request a detailed accounting or a statement of account in matters involving consumer transactions. This request is particularly pertinent given the complexities and ambiguities surrounding the alleged debt and the subsequent actions by XXXX and the collection agency involved, XXXX XXXX XXXX. Under UCC 9-210, I formally request a comprehensive accounting or a statement of the current status of the alleged debt. This request is rooted in the necessity to verify the legitimacy and accuracy of the claimed debt, especially considering the transfer of my credit contract to a third party debt collector. The lack of transparency and clarity in these transactions raises significant concerns about the integrity and legality of the debts purported balance and status. The applicability of UCC 9-210 in this context is undeniably relevant, as it directly pertains to the nature of the debt in question. The provision serves as a critical tool in uncovering potential discrepancies, fraud, or misrepresentations that may have occurred during the course of these transactions. It is imperative that XXXX and any involved collection agencies, such as XXXX XXXX XXXX provide this detailed information to ensure compliance with the legal standards governing both secured transactions and consumer credit transactions. Failure to comply with this request not only demonstrates a disregard for the statutory rights afforded to consumers under UCC 9-210 but also further implicates XXXX in potential legal infractions. This information is crucial for the validation of the debt, the status of the debt and for confirming that all transactions related to this debt have adhered to the lawful and ethical standards mandated by law. The provision of a detailed accounting or statement of accounting as requested under UCC 9-210 will enable a thorough examination of the claims and actions made by XXXX, agents of XXXX, and any assigned collection agencies that purchased this account from XXXX. It is a necessary step in resolving the ongoing disputes and in ensuring that my consumer rights are fully protected and upheld. These repeated and varied violations of the law by XXXX necessitate a comprehensive investigation and prompt corrective action. Additionally, I seek compensation for the substantial time and effort expended in rectifying these issues for months, which have caused considerable distress and inconvenience. I urge the CFPB to take immediate and stringent action against XXXX to rectify these wrongs and prevent further harm. Your immediate attention to this matter is both necessary and appreciated. If further information is needed from me, please feel free to reach out to me. Thank you for your prompt and decisive action. I would also like to state, for the record, that I am FULLY aware of what is taking place internally with these creditors, how they conduct their affairs in the back office, the mechanics of consumer credit transactions and the fraud perpetrated against the consumer who may not be enlightened of the perplex commercial crimes and extortion taking place against them. I am also fully abreast of the fraud in the banking industry. I will not stop fighting for my rights until I am made fully whole and companies like XXXX XXXX XXXX are held accountable for destroying reputations and lives of consumers. Thank you for your prompt attention to these matters. I look forward to resolving this matter. XXXX XXXX XXXX","date_sent_to_company":"2023-11-17T14:57:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"36532","tags":null,"has_narrative":true,"complaint_id":"7870828","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-11-17T14:57:01.000Z","state":"AL","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":["The actions of XXXX also align with the definition of <em>securities</em> fraud as outlined in 27 CFR 72.11. By manipulating and misrepresenting information related to my financial <em>securities</em>, they have engaged in deceptive practices. These deceptive practices are taking place both publicly and in the private, back office capacity. Significantly, my consumer rights under 16 CFR Part 433, known as the Holder in Due Course Rule, have been violated."]},"sort":[6.803568,"7870828"]},{"_index":"complaint-public-v1","_id":"7868958","_score":6.7969728,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am compelled to seek your immediate intervention regarding the continuous and flagrant violations of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act by XXXX. Despite numerous attempts to rectify these issues on the account XXXX, XXXX has persisted in fraudulent reporting activities on my account and consumer reports ( Experian, XXXX, XXXX, etc ) without my explicit consent. I am formally putting any Consumer Reporting agencies that are reporting the following transactions and experiences on notice. As per the FCRA, particularly under Sections 607 and 615, it is incumbent upon creditors to ensure the accuracy and integrity of the information they furnish to credit reporting agencies. XXXX has failed in this regard, reporting erroneous transactions that have significantly impaired my credit standing and financial reputation as well as causing me great mental distress and anguish. These transactions include but are not limited to late payments, account statuss, private financial information, private personal information, balances, etc. Furthermore, the Gramm-Leach-Bliley Act mandates the protection of consumers non-public personal information. The Act stipulates that financial institutions must not disclose such information without the explicit consent of the consumer. Chases actions constitute a breach of this requirement, given that no such consent was provided for the dissemination of my personal financial data. I was not once offered an option to opt out of the sale and distribution of my private and confidential financial information to any third party data furnisher, or otherwise commonly referred to as a consumer reporting agency or credit reporting agency. This is aggravated identity theft and trafficking. I emphatically assert that under no circumstance have I authorized XXXX to share, report, or use my personal financial experiences and transactions for reporting purposes. This unauthorized disclosure not only undermines my privacy rights but also contravenes the clearly outlined stipulations of the aforementioned Acts. Additionally the misuse of my personal information in credit reporting by XXXX directly contravenes the exclusions outlined in 15 U.S.C. 1681d2a of the Fair Credit Reporting Act ( FCRA ), which prohibits the use of certain personal information without explicit consumer consent. The actions of XXXX also align with the definition of securities fraud as outlined in 27 CFR 72.11. By manipulating and misrepresenting information related to my financial securities, they have engaged in deceptive practices. These deceptive practices are taking place both publicly and in the private, back office capacity. Significantly, my consumer rights under 16 CFR Part 433, known as the Holder in Due Course Rule, have been violated. This regulation provides protection to consumers when corporations, like XXXX, sell a consumers credit contract to another lender or commercial entity, such as a collection agency entitled XXXX XXXXXXXX XXXX. The sale of my credit contract to this third party entity without appropriate disclosures and consent is a serious violation of this rule. I approached XXXX in a letter recently regarding this after they lied to me about selling this unlawfully closed and charged off account to XXXX XXXX XXXX, when, in fact the account was sold to XXXX according to the collection letter I received from them. Additionally, I have sent letter after letter requesting the 1099-C Copy B for my records of income and tax bookkeeping, being completely ignored by Agents of Chase when XXXX politely asked for this document. The absence of a 1099-C form for debt cancellation, crucial for my tax filings, further suggests potential tax evasion practices by XXXX and XXXX am currently already working on an IRS 3949a form to submit against this corporation if I can not retrieve the form. Their failure to issue this document has directly impacted my financial responsibilities and tax reporting obligations. In addition to the aforementioned statutes, I will be asserting my rights under the Uniform Commercial Code, specifically UCC 9-210, which grants consumers the right to request a detailed accounting or a statement of account in matters involving consumer transactions. This request is particularly pertinent given the complexities and ambiguities surrounding the alleged debt and the subsequent actions by XXXX and the collection agency involved, XXXX XXXX XXXX. Under UCC 9-210, I formally request a comprehensive accounting or a statement of the current status of the alleged debt. This request is rooted in the necessity to verify the legitimacy and accuracy of the claimed debt, especially considering the transfer of my credit contract to a third party debt collector. The lack of transparency and clarity in these transactions raises significant concerns about the integrity and legality of the debts purported balance and status. The applicability of UCC 9-210 in this context is undeniably relevant, as it directly pertains to the nature of the debt in question. The provision serves as a critical tool in uncovering potential discrepancies, fraud, or misrepresentations that XXXX have occurred during the course of these transactions. It is imperative that XXXX and any involved collection agencies, such as XXXX XXXX XXXX provide this detailed information to ensure compliance with the legal standards governing both secured transactions and consumer credit transactions. Failure to comply with this request not only demonstrates a disregard for the statutory rights afforded to consumers under UCC 9-210 but also further implicates XXXX in potential legal infractions. This information is crucial for the validation of the debt, the status of the debt and for confirming that all transactions related to this debt have adhered to the lawful and ethical standards mandated by law. The provision of a detailed accounting or statement of accounting as requested under UCC 9-210 will enable a thorough examination of the claims and actions made by XXXX, agents of XXXX, and any assigned collection agencies that purchased this account from XXXX. It is a necessary step in resolving the ongoing disputes and in ensuring that my consumer rights are fully protected and upheld. These repeated and varied violations of the law by XXXX necessitate a comprehensive investigation and prompt corrective action. Additionally, I seek compensation for the substantial time and effort expended in rectifying these issues for months, which have caused considerable distress and inconvenience. I urge the CFPB to take immediate and stringent action against XXXX to rectify these wrongs and prevent further harm. Your immediate attention to this matter is both necessary and appreciated. If further information is needed from me, please feel free to reach out to me. Thank you for your prompt and decisive action. I would also like to state, for the record, that I am FULLY aware of what is taking place internally with these creditors, how they conduct their affairs in the back office, the mechanics of consumer credit transactions and the fraud perpetrated against the consumer who may not be enlightened of the perplex commercial crimes and extortion taking place against them. I am also fully abreast of the fraud in the banking industry. I will not stop fighting for my rights until I am made fully whole and companies like XXXX XXXX XXXX are held accountable for destroying reputations and lives of consumers. Thank you for your prompt attention to these matters. I look forward to resolving this matter. XXXX XXXX XXXX","date_sent_to_company":"2023-11-17T14:57:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"36532","tags":null,"has_narrative":true,"complaint_id":"7868958","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-11-17T14:57:01.000Z","state":"AL","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":["The actions of XXXX also align with the definition of <em>securities</em> fraud as outlined in 27 CFR 72.11. By manipulating and misrepresenting information related to my financial <em>securities</em>, they have engaged in deceptive practices. These deceptive practices are taking place both publicly and in the private, back office capacity. Significantly, my consumer rights under 16 CFR Part 433, known as the Holder in Due Course Rule, have been violated."]},"sort":[6.7969728,"7868958"]},{"_index":"complaint-public-v1","_id":"7868959","_score":6.7959704,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am compelled to seek your immediate intervention regarding the continuous and flagrant violations of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act by XXXX. Despite numerous attempts to rectify these issues on the account XXXX, XXXX has persisted in fraudulent reporting activities on my account and consumer reports ( XXXX, Equifax, XXXX, etc ) without my explicit consent. I am formally putting any Consumer Reporting agencies that are reporting the following transactions and experiences on notice. As per the FCRA, particularly under Sections 607 and 615, it is incumbent upon creditors to ensure the accuracy and integrity of the information they furnish to credit reporting agencies. XXXX has failed in this regard, reporting erroneous transactions that have significantly impaired my credit standing and financial reputation as well as causing me great mental distress and anguish. These transactions include but are not limited to late payments, account statuss, private financial information, private personal information, balances, etc. Furthermore, the Gramm-Leach-Bliley Act mandates the protection of consumers non-public personal information. The Act stipulates that financial institutions must not disclose such information without the explicit consent of the consumer. XXXX  actions constitute a breach of this requirement, given that no such consent was provided for the dissemination of my personal financial data. I was not once offered an option to opt out of the sale and distribution of my private and confidential financial information to any third party data furnisher, or otherwise commonly referred to as a consumer reporting agency or credit reporting agency. This is aggravated identity theft and trafficking. I emphatically assert that under no circumstance have I authorized XXXX to share, report, or use my personal financial experiences and transactions for reporting purposes. This unauthorized disclosure not only undermines my privacy rights but also contravenes the clearly outlined stipulations of the aforementioned Acts. Additionally the misuse of my personal information in credit reporting by XXXX directly contravenes the exclusions outlined in 15 U.S.C. 1681d2a of the Fair Credit Reporting Act ( FCRA ), which prohibits the use of certain personal information without explicit consumer consent. The actions of XXXX also align with the definition of securities fraud as outlined in 27 CFR 72.11. By manipulating and misrepresenting information related to my financial securities, they have engaged in deceptive practices. These deceptive practices are taking place both publicly and in the private, back office capacity. Significantly, my consumer rights under 16 CFR Part 433, known as the Holder in Due Course Rule, have been violated. This regulation provides protection to consumers when corporations, like XXXX, sell a consumers credit contract to another lender or commercial entity, such as a collection agency entitled XXXX XXXX XXXX. The sale of my credit contract to this third party entity without appropriate disclosures and consent is a serious violation of this rule. I approached XXXX in a letter recently regarding this after they lied to me about selling this unlawfully closed and charged off account to XXXX XXXX XXXX, when, in fact the account was sold to XXXX according to the collection letter I received from them. Additionally, I have sent letter after letter requesting the 1099-C Copy B for my records of income and tax bookkeeping, being completely ignored by Agents of XXXX  when I politely asked for this document. The absence of a 1099-C form for debt cancellation, crucial for my tax filings, further suggests potential tax evasion practices by XXXX and I am currently already working on an IRS 3949a form to submit against this corporation if I can not retrieve the form. Their failure to issue this document has directly impacted my financial responsibilities and tax reporting obligations. In addition to the aforementioned statutes, I will be asserting my rights under the Uniform Commercial Code, specifically UCC 9-210, which grants consumers the right to request a detailed accounting or a statement of account in matters involving consumer transactions. This request is particularly pertinent given the complexities and ambiguities surrounding the alleged debt and the subsequent actions by XXXX and the collection agency involved, XXXX XXXX XXXX. Under UCC 9-210, I formally request a comprehensive accounting or a statement of the current status of the alleged debt. This request is rooted in the necessity to verify the legitimacy and accuracy of the claimed debt, especially considering the transfer of my credit contract to a third party debt collector. The lack of transparency and clarity in these transactions raises significant concerns about the integrity and legality of the debts purported balance and status. The applicability of UCC 9-210 in this context is undeniably relevant, as it directly pertains to the nature of the debt in question. The provision serves as a critical tool in uncovering potential discrepancies, fraud, or misrepresentations that may have occurred during the course of these transactions. It is imperative that XXXX and any involved collection agencies, such as XXXX XXXX XXXX provide this detailed information to ensure compliance with the legal standards governing both secured transactions and consumer credit transactions. Failure to comply with this request not only demonstrates a disregard for the statutory rights afforded to consumers under UCC 9-210 but also further implicates XXXX in potential legal infractions. This information is crucial for the validation of the debt, the status of the debt and for confirming that all transactions related to this debt have adhered to the lawful and ethical standards mandated by law. The provision of a detailed accounting or statement of accounting as requested under UCC 9-210 will enable a thorough examination of the claims and actions made by XXXX, agents of XXXX, and any assigned collection agencies that purchased this account from XXXX. It is a necessary step in resolving the ongoing disputes and in ensuring that my consumer rights are fully protected and upheld. These repeated and varied violations of the law by XXXX necessitate a comprehensive investigation and prompt corrective action. Additionally, I seek compensation for the substantial time and effort expended in rectifying these issues for months, which have caused considerable distress and inconvenience. I urge the CFPB to take immediate and stringent action against XXXX to rectify these wrongs and prevent further harm. Your immediate attention to this matter is both necessary and appreciated. If further information is needed from me, please feel free to reach out to me. Thank you for your prompt and decisive action. I would also like to state, for the record, that I am FULLY aware of what is taking place internally with these creditors, how they conduct their affairs in the back office, the mechanics of consumer credit transactions and the fraud perpetrated against the consumer who may not be enlightened of the perplex commercial crimes and extortion taking place against them. I am also fully abreast of the fraud in the banking industry. I will not stop fighting for my rights until I am made fully whole and companies like XXXX XXXX XXXX are held accountable for destroying reputations and lives of consumers. Thank you for your prompt attention to these matters. I look forward to resolving this matter. XXXX XXXX XXXX","date_sent_to_company":"2023-11-17T14:57:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"36532","tags":null,"has_narrative":true,"complaint_id":"7868959","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-11-17T14:57:01.000Z","state":"AL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The actions of XXXX also align with the definition of <em>securities</em> fraud as outlined in 27 CFR 72.11. By manipulating and misrepresenting information related to my financial <em>securities</em>, they have engaged in deceptive practices. These deceptive practices are taking place both publicly and in the private, back office capacity. Significantly, my consumer rights under 16 CFR Part 433, known as the Holder in Due Course Rule, have been violated."]},"sort":[6.7959704,"7868959"]},{"_index":"complaint-public-v1","_id":"5635883","_score":6.6927366,"_source":{"product":"Mortgage","complaint_what_happened":"Account Number Related to this complaint : XXXX Account has since been closed but funds are still owed This complaint is being filed in regards to Chase Banks refusal to release {$12000.00} in insurance claim funds that it received from my homeowners insurance company three years after it had itself inspected the property and determined all repairs had been 100 % complete. As I will explain neither the courts or the Deed of Trust associated with my loan afforded it the legal right to withhold these proceeds and the written explanations provided to me as to the basis for its decision to withhold these funds is unsupported by the records and evidence. I did provide Chase with a notification of error report regarding this matter and received a response stating that it would provide me with a written decision by XX/XX/XXXX of last year but a month passed and not response was provided. I tried contacting a representative of The Chief Executive Office of Chase via the contact number provided on the letter I had received stating it would respond by XX/XX/XXXX but no calls were ever returned. Eventually I did manage to make contact with the person who was suppose to have been assigned to my request and she was very nice. After a short time she was in agreement with me that Chase had been incorrect in refusing to release the funds but stated that she wished we had spoke sooner as too much time had passed and a decision had been made. I asked if she could reopen the request now that she had a better understanding of what took place and agreed that the funds should have been released and shes informed me that she did not have the authority to do so. I asked her if I was really going to have to file a lawsuit in order to collect the proceeds that she was now aware should never have been withheld and she stated unfortunately Im afraid so. It is my hope that through this complaint my request may potentially be forwarded to the correct person that has the authority to reopen my request for reimbursement and resolve this issue without the need for litigation. My request is as it has always been and thus I am requesting reimbursement of the {$12000.00} in question plus interest at annual rate of 10 % for the loss of use associated with these funds dating back to XXXX of XXXX when Chase was obligated to have released the proceeds. I have provided a more detailed version of the events In the paragraphs that follow and within this explanation have made reference to the supporting documents that have been attached. \n\nI filed a homeowners insurance claim in XXXX of XXXX and $ XXXX in repair funds were released by the insurance company to conduct repairs. Because my home loan was with Chase the insurance proceeds were first disbursed to Chase who then released the proceeds as it inspected and determined work was being completed. In XXXX of XXXX the records show that Chase inspected the property, deemed all repairs 100 % complete and shortly thereafter released 100 % of the $ XXXX in repair funds that had been provided to it by my insurance company XXXX XXXX XXXX XXXX XXXX ). Chase has never once denied that it determined repairs to have been completed in XXXX and I have provided a copy of the inspection report as SD # XXXX. Although the repairs were completed the $ XXXX in proceeds was not sufficient to cover the cost of these repairs resulting in my having to pay out of pocket for many of the repairs. As a result I requested additional funds from the insurance company to reimburse me for these out of pocket costs. In XXXX the first disbursement of supplemental proceeds was issued by the insurance company and again Chase received these funds. Chase immediately released this first supplemental payment without issue. The second disbursement of supplemental funds was issued in XXXX of XXXX and the {$12000.00} in proceeds were this time withheld by Chase. The explanation provided in writing by Chase in summary stated that it had withheld the proceeds due my having failed to provide the documents necessary to allow for the release of such funds. The written notice provided by Chase regarding its reasoning for withholding these funds has been attached and labeled XXXX XXXX XXXX  A review of the document shows Chase to have stated that it would release the funds in question once I provided it with an inspection report confirming the completion of repairs, a promise to complete repairs and a list of other documents that I clearly had to have already provided in order for Chase to have already previously released {$82000.00} to me after confirming all repairs were completed. And of course it is simply absurd for Chase to have claimed that it was waiting on me to provide an inspection report to confirm the completion of repairs and a promise to complete repairs given that Chase had already provided itself with this inspection report 3 years earlier which of course confirmed all repairs to have been completed thus also making it absurd to have alleged that it was waiting on me to provide a statement promising to complete such repairs. I attempted countless times to have the funds released by contacting the escalation department and each time I did the supervisor I requested to speak to would agree that Chase had deemed all repairs to have been completed and thus he or she would tell me that a request for the release of funds was being submitted. Each time I would receive a written response that was identical to XXXX XXXX  XXXX. \n\n. \nTo try and resolve the issue related to the withheld funds I provided Chase a notification of error letter explaining the obvious illegal nature of its withholding of supplemental insurance funds it had received three years after confirming all repairs to have been completed and received a quick response stating that it would provide me with an answer by XX/XX/XXXX. A month or so passed with no response from Chase so I proceeded to begin making phone calls to The Chief Executive Office of Chase and never received a response. I eventually spoke to a representative who was not actually assigned to my complaint but was able to inform me that the records indicated that I had been provided with a written response to my notification of error letter on XX/XX/XXXX. He proceeded to read the response to me over the phone and after confirming that Chase had mailed to an address had lived at 12 years earlier he had a copy sent out to my actual current address. I have attached a copy of the XX/XX/XXXX response to my notification of error letter for your reviews and labeled it as XXXX XXXX XXXX  The first portion of the letter addresses a separate topic related to Chases illegal cancellation of the loan modification plan that I had been forced to apply for as a direct result of the financial issues that were caused by XXXX refusal to release the funds in question. The portion of the response relevant to the withheld funds has been circled for you and in reviewing this the response by Chase you can see that it essentially said absolutely nothing about the {$12000.00} in supplemental claim funds that it received in XXXX of XXXX despite my having specifically provided a detailed explanation as to why it was obligated to have released such funds. Instead it simply summarizes the events that had occurred three years before it received and chose to illegally withhold the funds in question. It does have some significance to this complaint as it shows Chase to have itself confirmed the fact that it had personally conducted an inspection and determined that all repairs had been completed in XXXX of XXXX while also noting that it released the funds shortly thereafter as a result. Unbelievably yet believably this letter failed to in any way actually address the issue pertaining to XX/XX/XXXX supplemental funds it received and withheld. I spent the next couple of weeks calling and being forwarded to a voicemail box that stated I would receive a call back in one business day but of course I never received any return call. Eventually I was fed up and refused to be transferred to the voicemail again demanding I speak to someone and to my surprise I learned that the only way to get someone to speak to you was by being rude and angry. I was connected to a very nice representative who stated she worked directly for The CHief Executive Office of Chase. After discussing the issue with her for no more then 10-15 minutes she was completely in agreement that Chase had made a mistake in failing to release the funds in question and could provide no explanation for the odd XX/XX/XXXX response from Chase that simply summarized the first year of my insurance claim rather than responding to my inquiry regarding the withholding of the funds it received in XXXX. Despite fully agreeing with me regarding the error Chases had made in withholding the funds she never the less proceeded to tell me that she really wished she had spoke sooner as she claimed that a decision had already been made and she had no ability to correct the error. I asked if Chase was really going to make me file a lawsuit to collect these funds she herself agreed should have been released 4 years earlier and in response she stated unfortunately Im afraid so. Again she was very nice and thus it was hard not to believe her but I none the less have a hard time believing there is not way to reopen a request in light of the obvious irrefutable nature of my dispute as doing so would certainly be a much more cost effective method resolution then requiring me to sue to collect the funds. It should be reiterated that this representative of The Chief Executive Office of Chase ( I have the name somewhere if needed ) did not in any way dispute my argument and in fact was very apologetic and seemed to feel a bit stupid for having been confused by the issue prior to our conversation. Of all the supervisors and other representatives of Chase that I have spoken too in regards to this matter I can honestly say not one single person I have spoken with actually disagreed with me regarding Chases obligation to have released the funds and the reason for this is because it requires nothing more than simple logic and common sense to recognize that Chase did not have the right to withhold supplemental insurance claim funds that it received three years after confirming all repairs to have been completed and thus after confirming that its security interest risk had been eliminated by the home being returned to its pre loss condition. The funds were intended to be provided to me in order to reimburse me for the out of pocket costs associated with those repairs that Chase confirmed I had completed years earlier and which again eliminated its security risk entirely. \nThe last document I have included is the relevant page of the Deed of Trust ( XXXX  # XXXX ) and I have placed stars next to the section that addresses when Chase is legally afforded the right to withhold insurance claim funds. It states that it may withhold funds if there is a written agreement, if the repairs are not feasible and/or if Chase would have its security interest lessened by releasing such funds. It explains that at least one of those circumstances needs to be present in order for funds to be withheld and yet there was no written agreement, the repairs were confirmed 100 % by Chase itself thus clearly feasible and last Chase confirmed the home to have been returned to its pre loss condition by confirming all repairs were 100 % complete which in turn makes it literally impossible for its security interest to have been lessened through the release of such funds. To assure no confusion regarding the lessening of security interest it should be reiterated that in order for it to have been possible for Chase to have had its security interest lessened through the release of funds in question it would have had to be possible for me to have not completed the repairs necessary to return the home to its pre loss condition. Again Chase confirmed the home to have been returned to its pre loss condition three years prior to withholding the funds when it confirmed repairs to have been 100 % completed. As such it is simply irrefutable that the Deed of Trust very specifically states that one of the listed circumstances needed to be present and they undeniably were not. Again not one person from Chase that I have spoken to has actually made an attempt to argue that Chase had the right to withhold these proceeds and this is because my argument is simply irrefutable. \n\nIn conclusion I want to directly state the following to Chase : This is my final demand that the withheld funds and associated interest be issued to me. Failure to do so will force me to file suit to collect these proceeds and if forced to do so over funds that are so clearly owed to me then I will do so in pursuit of all damages legally available to me. As such I will ask the court to award damages for legal fees, for unnecessary costs incurred in connection with the blatant breach of contract associated with the canceling of my modification plan and more specifically in connection with its subsequent illegal foreclosure activities that nearly resulted in my house being auctioned off. As previously explained to Chase this illegally conducted foreclosure that was conducted resulted in my having to obtain a new residence, move personal property and relocate some family pets and thus if litigation becomes necessary I will request damages for the related costs, and unnecessary emotional stress that my family was forced to incur as a direct result of Chases numerous and blatant acts of bad faith. However because the home was not ultimately illegally auctioned off at the end of the day and because I would like to put this matter behind me I am willing to settle these matters via fulfillment of the demand for claim funds plus interest. \n\nBecause I have spoken to a representative of The Chief Executive Office of Chase who along with every other representative I spoke too agreed that the funds should never have been withheld it is my hope that this issue may be resolved by simply forwarding this complaint to the appropriate person who is authorized to reopen my request to provide these illegally withheld funds rather than forcing me to file suit in order to open dialogue with Chase over this matter. I have a difficult time believing that Chase would prefer that I file a lawsuit to collect these funds given the irrefutable nature of the evidence and the obvious risk of my receiving a judgement that far exceeds the reasonable demand for payment I have presented. Thank you for taking the time to read this and for any help you may be able to provide. \n\n\nXXXX XXXX","date_sent_to_company":"2022-06-05T05:24:07.000Z","issue":"Trouble during payment process","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"93446","tags":null,"has_narrative":true,"complaint_id":"5635883","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-06-05T05:12:35.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Again she was very nice and thus it was hard not to believe her but I none the less have a hard time believing there is not way to reopen a request in light of the obvious irrefutable <em>nature</em> of my <em>dispute</em> as doing so would certainly be a much more cost effective method resolution then requiring me to sue to collect the funds."]},"sort":[6.6927366,"5635883"]},{"_index":"complaint-public-v1","_id":"18873899","_score":6.224432,"_source":{"product":"Checking or savings account","complaint_what_happened":"Continuing Statement of Facts and Request for Immediate Regulatory Intervention Following the filing of my initial CFPB complaint, Bank OZK has represented through regulatory channels that I am a victim of fraud. However, Bank OZK has operated in no manner consistent with that position, as the following facts, testimony, documentation, and evidence will show. \n\nSince the filing of my prior complaint, I have continued to make repeated and documented attempts to obtain information, clarification, and resolution through both Bank OZK customer service channels and the XXXX branch. These efforts are reflected in call logs showing numerous outgoing calls, many of them lengthy in duration. Despite this, Bank OZK has not returned my calls, has not provided meaningful follow-up, has not escalated my complaints, and has not reached out to me proactively in any way. \n\nThe only communications I received during this time were negative and punitive letters, each of which arrived shortly after I pushed the matter, challenged the banks actions, or attempted to defend my account. At no point did Bank OZK reach out to explain the situation, provide documentation, or walk me through any legitimate investigative process. \n\nThroughout this entire period, my account remained restricted, and I had little to no access to : account details, transaction history, investigative findings, documentation supporting the banks claims, or any meaningful dispute mechanism. \n\nThe limited information I was eventually able to obtain was extremely difficult to acquire and came only through persistence and outside channels, not through any cooperation by Bank OZK. \n\n\nXX/XX/XXXX Escalation and XXXX of Federal Student Aid The next major escalation occurred on XX/XX/XXXX, when I contacted the XXXX  branch at approximately XXXX XXXX to determine how I could access my Federal Student Aid funds, which had deposited into my account and were not supposed to be touched. \n\nDuring this call, I spoke with XXXX XXXX, a Client Service Specialist at the Bank OZK XXXX branch located at XXXX XXXX XXXX XXXX. I asked XXXX XXXX about my student aid funds. She responded in a dismissive and disrespectful tone and stated, verbatim, We took it, followed by We can do that. \n\nThe amount taken was {$540.00}, which corresponds exactly to the amount reflected in Bank OZKs own written correspondence. This {$540.00} was not an overdraft. It was legitimate Federal Student Aid, which Bank OZK seized via setoff and applied toward the balance associated with an incorrectly deposited check, reducing the alleged balance to approximately {$9600.00}. \n\nI challenged this action and explained that Federal Student Aid funds are not supposed to be seized in this manner, particularly while an investigation is ongoing and while I had no access to information. The call lasted approximately XXXX XXXX, during which XXXX XXXX refused to provide documentation, refused to explain the legal basis for the XXXX, and remained argumentative. I was ultimately told that if I wanted further information, I would need to physically come into the branch. \n\nI did so the same day, arriving at the XXXX branch between approximately XXXX a.m. and XXXX a.m., which will be verifiable through bank security camera footage. \n\n\nIn-Branch Interaction, Risk System Discussion, and Discovery of Concealed Information Upon entering the branch, my initial point of contact was again XXXX XXXX XXXX The discussion expanded to include XXXX XXXX, identified as a Consumer Banking Relationship Specialist and believed to be branch management. \n\nDuring this interaction, I confronted them regarding : the seizure of my Federal Student Aid funds, the improper handling of the investigation, the lack of transparency, the refusal to provide documentation or account access, and the banks attempt to shift blame onto me rather than treat the situation as a bank error, which it was.\n\nI specifically raised the point that I believed the funds were mine not only based on my own claim, but because Bank OZKs own internal risk and fraud-detection systems initially treated the funds as legitimate. I explained that the deposit cleared through the banks systems, despite my account being restricted, which means : the transaction passed the banks automated checks, internal controls did not flag it as irregular at the time, and no immediate system-based fraud hold or rejection occurred.\n\nI further explained that the suggestion that no systems or checks would have stopped the transaction if it were irregular is not credible. Based on my long-standing experience with other major financial institutions, even routine and repetitive bill payments can trigger : card locks, transaction reviews, temporary holds, and verification requirements.\n\nThe assertion that Bank OZKs systems would not detect or interrupt a truly irregular transaction contradicts normal banking practice and undermines the banks position. \n\nBoth XXXX XXXX and XXXX XXXX were dismissive, evasive, and refused to meaningfully address these points. \n\nThe tone of the interaction changed abruptly once I disclosed that I had obtained previously concealed factual information from outside the XXXX  branchspecifically, that : the name associated with the deposited check was not mine, and the identifying information was multiple digits off, not a minor discrepancy. \n\nOnce XXXX XXXX realized I was aware of this information, she became visibly flustered and belligerent, raised her voice, and repeatedly demanded to know how I obtained that information, stating that whoever told you that is going to get fired. \n\nThe concern expressed was not that a grave and egregious error had been made against a longtime customer, but that someone had disclosed the truth. This reaction strongly indicates that the XXXX branch had access to this information and chose not to disclose it, instead continuing to act against me while concealing material facts. \n\nThis interaction, including XXXX XXXX statements and demeanor, will be verifiable via bank teller and lobby camera footage from the stated time window. \n\n\nPattern of Unfair, Deceptive, and Punitive Conduct Despite representing to regulators that I am a victim of fraud, Bank OZK has engaged in a pattern of conduct that includes : treating me as a debtor rather than a fraud victim, seizing {$540.00} in Federal Student Aid funds via setoff, restricting my account and access to information, refusing to provide documentation or explanation, escalating the matter to account closure, escalating to collections activity, reporting or threatening to report me to XXXX, and doing all of the above before providing transparency or allowing a meaningful dispute.This conduct is inconsistent with how a financial institution is expected to treat a consumer it claims is a fraud victim. \n\n\nHarm, Reputational Damage, and XXXX Impact The consequences of Bank OZKs actions have been immediate and severe. \n\nAs a direct result : I have been unable to open even a basic checking account, I have missed multiple financial and business opportunities, my long-standing banking history and financial reputation have been damaged, and my ability to utilize my VA home loan benefit has been significantly impacted.\n\nXXXX  reporting, even when later marked resolved, remains inherently derogatory and continues to affect : future banking access, lending decisions, interest rates, and institutional trust. \n\nI am a XXXX veteran, and this situation has now directly impacted my federal XXXX benefits and student aid tied to XXXX status. The ongoing uncertainty, public embarrassment of being denied banking services, and constant fear that additional accounts may be shut down have aggravated multiple XXXX, including anxiety and paranoia. \n\nThis is not speculative harm. It is ongoing and escalating. \n\n\nRequest for Immediate Regulatory Intervention and Relief Bank OZK is fully aware of what is occurring, particularly at the XXXX branch, and has continued its course of action despite knowing the harm being caused. I am therefore requesting immediate regulatory intervention before cascading or permanent damage is done. \n\nI respectfully request : immediate suspension, correction, or suppression of all adverse reporting, including XXXX  ; reversal and full accounting of the {$540.00} in Federal Student Aid funds seized via setoff ; written reconciliation and documentation supporting the alleged balance ; disclosure of investigative findings and transaction-level records ; independent review of the XXXX branchs conduct ; and oversight to prevent further deceptive, retaliatory, or punitive actions.\n\nI am seeking assistance through multiple regulatory agencies, as this matter implicates unfair and deceptive practices, improper handling of federal benefits, and disability-related harm. \n\nGiven the irreversible nature of reputational and reporting damage once it spreads, immediate intervention is necessary, not delayed review.","date_sent_to_company":"2026-01-20T22:37:47.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30034","tags":"Servicemember","has_narrative":true,"complaint_id":"18873899","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OZK","date_received":"2026-01-20T22:16:52.000Z","state":"GA","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["Given the irreversible <em>nature</em> of reputational and reporting damage once it spreads, immediate intervention is necessary, not delayed review."]},"sort":[6.224432,"18873899"]},{"_index":"complaint-public-v1","_id":"12278503","_score":5.858724,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Entire Credit Report Entries and Request for Debt Validation Due to Multiple Data Breach and Violations of the Fair Credit Reporting Act ( FCRA ) Dear [ Credit Reporting Agency ], I am writing to formally dispute inaccurate and incomplete information on my credit report, which I believe may have resulted from data breaches involving Equifax, XXXX, and XXXX, specifically the well-documented breach at XXXX, XXXX well as XXXX XXXX and several other breaches dating back to XXXX and continuing to the XXXX XXXX. These breaches have compromised the security of my personal information. \n\nIt has come to my attention that my personal data, including sensitive information such as my Social Security Number, drivers license, date of birth, and/or account details, was exposed due to breaches involving your companies and others the widespread exposure of my personal data in these breaches calls into question the validity of any information currently reported on my credit report.These breaches are not isolated incidents. The cumulative effect of having my personal information exposed multiple times to unauthorized third parties has put my financial health at significant risk. Each data breach has increased the likelihood that my information could be misused, leading to distress as I work to protect myself from identity theft, fraud, and erroneous financial reporting in this increasingly digital world. These breaches have caused my credit history to be in dispute, given the unauthorized access to my confidential information.\n\nI am requesting a thorough investigation into any incorrect or fraudulent entries associated with these breaches. Additionally, I request the immediate deletion of any fraudulent information related to this identity theft. Due to the scale of these breaches, I expect your agency to investigate and correct any errors caused by this breach under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I expect all derogatory marks, accounts, and inquiries linked to these breaches to be investigated and removed if they are found to be invalid or fraudulently reported.\n\nPersonal Information : Name XXXX XXXX XXXX XXXX Date of Birth XXXX XXXX XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX Social Security Number : XXXX Nature of Dispute : As you are aware, numerous data breaches have compromised the personal and financial information of millions of consumers. These breaches have led to significant harm and disruptions in the credit profiles of affected individuals, including mine. Sensitive data has been exposed and is now vulnerable to misuse by unauthorized parties. As a result, I believe that my credit report may contain erroneous or fraudulent entries caused by this exposure.\n\nI have identified discrepancies in my credit report that appear to be linked to fraudulent activity resulting from breaches dating back to XXXX. \n\nAdditionally, I have already filed a report with the Federal Trade Commission ( FTC ) and submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. Both actions further support my claim of potential identity theft and underscore the need for immediate correction of my credit report.\n\nAs required by FCRA Section 605 ( B ), I request that you investigate these discrepancies and remove any fraudulent information from my credit report. I expect a response within 30 days of receipt of this letter. Please provide documentation detailing the steps taken to investigate and resolve my dispute.If this matter is not resolved within the specified timeframe, I will take further action, including pursuing legal remedies to protect my rights under the law. I am invoking my rights under various federal laws regarding identity theft and fraudulent credit reporting, specifically referencing Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which requires credit reporting agencies to block fraudulent information that results from identity theft.\n\nPlease note that, under FCRA Section 1681s-2 ( a ), credit reporting agencies are required to \" Reinvestigate '' disputed items and correct any inaccuracies or incomplete information. Given that the data breach is directly related to the inaccuracy or potential misuse of my information, I am requesting that you review my entire credit reportnot just the individual disputed items to ensure it accuracy. \n\nXXXX XXXX XXXX XXXX  faced a security breach in XXXX, compromising sensitive customer data. This breach was part of a larger trend of financial institutions failing to protect their clients ' information, which could have impacted the accuracy of financial records and reports related to my credit profile. \n\nEquifax XXXX XXXX ( XXXX ) : In this widely publicized breach, Equifax exposed the personal information of approximately 147 million Americans, including social security numbers, birth dates, addresses, and, in some cases, driver 's license numbers. Equifax 's failure to properly safeguard my data potentially led to identity theft and fraudulent activities, which could have affected my credit score. As such, I request that you investigate and correct any erroneous information that may have arisen from this breach, as allowed by FCRA 15 U.S.C. 1681c-2 ( regarding notice of changes in personal information ). As the Federal Trade Commission ( FTC ) confirmed in XXXX, the breach posed a significant risk of identity theft ( FTC v. Equifax, XXXX ). The FTC noted that Equifax inadequate security measures led to the exposure of millions of Americans ' personal data. The XXXX XXXX XXXX for the XXXX XXXX XXXX Georgia ruled that Equifax failure to implement \" reasonable security measures '' violated consumers ' rights under the FCRA, specifically 15 U.S.C. 1681b ( f ) ( which mandates that consumer data be used for permissible purposes only ). As such, I request that you review my credit report for any entries that could have resulted from fraudulent use of my information due to this breach.\n\nExperian & Transunion Data Breaches : Although these breaches may not have been as large-scale as Equifax they still exposed millions of Americans to significant risks of identity theft. Both bureaus have a duty under FCRA 15 U.S.C. 1681e ( b ) to maintain accurate information. Given the recent disclosures of personal data, I request that both Experian and TransUnion review my credit reports for any inaccurate information resulting from the breaches. Both Experian and TransUnion have also been involved in various other data breaches, compromising sensitive personal data. Most recently, TransUnion settled a class action lawsuit in XXXX for failing to protect consumer data properly, leading to widespread fraud and inaccurate credit reporting. In TransUnion Data Breach Litigation, XXXX XXXX XXXX ( XXXX XXXX ), the court found that TransUnion had violated its obligations under FCRA 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy in the credit reports they produce. As these companies ' failures in safeguarding personal data are well-documented, I request a thorough review and update of my credit file to ensure any inaccuracies from these breaches are addressedXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXs breach exposed personal information of millions of customers, including payment details. The breach involved malicious code being introduced into the company 's ticketing systems. As a customer who was impacted by this breach, this was significant, as it impacted the personal financial data of millions, including myself. \n\n* XXXX XXXX XXXX XXXX, legal action was taken against the company for its failure to adequately protect customer data. Equifax , Inc., Customer Data Security Breach Litigation,\n2019 WL 3937643 ( N.D. Ga. 2019 ) : In this case, Equifax was held accountable for its failure to protect consumer data, which directly impacted the accuracy of credit reports.\n\nTransunion Data Breach Litigation, 2020 WL 2650920 ( N.D. Ill. ) : This case reinforces that credit bureaus are liable for failing to safeguard consumer data and are required to ensure accuracy in their credit reporting.\n\nData Breach Liability Equifax , Inc., Customer Data Security Breach Litigation, 2019 WL 3937643 ( N.D. Ga. 2019 ) : In this case, consumers alleged that Equifax 's failure to protect their data led to significant financial and emotional harm. The court ruled that Equifax could be held liable for the harm caused by their negligence in failing to properly safeguard consumer data. \n\nCFPB Lawsuit Against Experian ( 2025 ) : In XX/XX/XXXX, the CFPB sued Experian, alleging that the company failed to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports.\n\nExperian/T-Mobile Data Breach ( 2015 ) : This breach exposed the personal information of nearly XXXX XXXX customers. \n\nExperian Data Breach Settlement ( 2019 ) : This settlement addresses claims that Experian had reported incorrect residential information, labeling certain addresses as high-risk, which adversely affected consumers ' creditworthiness.\n\nCFPB Enforcement Actions : The CFPB took action against TransUnion in 2022 for deceptive marketing practices related to credit scores and credit-related products. \n\nFTC XXXX XXXX XXXX XXXX, where the FTC emphasized the importance of data security practices and consumer rights in cases involving breaches of sensitive data. \n\nData Breach Impact on Credit Reports : Courts have acknowledged the need for credit bureaus to take reasonable steps to ensure that data breaches do not result in the dissemination of inaccurate information. \n\nXXXXe XXXX XXXXransUnion LLC , 925 F.3d 201 ( 3rd Cir. XXXX XXXX, the court emphasized that credit bureaus must act promptly when alerted to fraud or inaccuracies resulting from a data breach. \n\n*Section 1681e ( b ) : This provision requires that credit reporting agencies adopt reasonable procedures to ensure the accuracy of the information in their reports. Given the occurrence of the data breach, I am requesting that you reevaluate your security measures and take immediate action to ensure my credit report is corrected to reflect only accurate information.\n\n*Identity Theft Victim Rights : Under the FCRA, if a consumers information is compromised due to a data breach and they become a victim of identity theft, they have the right to request that a fraud alert or credit freeze be placed on their file. Additionally, consumers can request that their credit report be reviewed for any inaccuracies or unauthorized entries. \n\n*FCRA Section 605B ( 15 U.S.C. 1681c-2 ) : This section mandates that credit bureaus block any fraudulent information related to identity theft once I provide proper documentation ( e.g., a police report or FTC identity theft report ). You are required to block any fraudulent accounts or entries that were not made by me and notify me that the information has been blocked.\n\n*The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i : Under the FCRA, credit reporting agencies are legally obligated to maintain accurate and complete consumer credit information. Section 1681i requires that if a consumer disputes information, the credit reporting agency must investigate and respond to the dispute within 30 days. Given the data breach, I expect that any fraudulent or inaccurate information will be corrected.\n\n*Fair Credit Reporting Act ( FCRA ), Section 1681i ( 15 U.S.C. 1681i ) : Under FCRA Section 1681i, if I dispute inaccurate or incomplete information on my credit report, you are required to conduct a full investigation. If the information is found to be inaccurate or fraudulent, you must remove or correct it. This statute strengthens my request for the deletion of fraudulent accounts from my credit report. \n\n*Identity Theft and Assumption Deterrence Act ( 18 U.S.C . 1028 ) : This statute criminalizes identity theft and provides a basis for legal recourse. If my personal information was used fraudulently, I am entitled to seek corrective actions through the credit bureaus. The fraudulent entries on my report violate this federal law, and I request their immediate deletion.\n\n*Identity Theft Victims Assistance Act ( 16 C.F.R. 603.2 ) : The Identity Theft Victims Assistance Act stipulates that victims of identity theft can request the blocking of fraudulent information on their credit reports. This regulation supports my claim that the fraudulent entries caused by the breach should be removed immediately once I provide sufficient evidence of identity theft. \n\n*Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692g : Under this law, any debt that is disputed by the consumer must be validated by the debt collector before collection efforts proceed. This validates my right to dispute any debts that have been fraudulently placed on my credit report and for you to provide proof of the legitimacy of these debts before pursuing any further actions.\n\n*The Consumer Privacy Protection Act ( S. 2151 ) : This law requires companies to implement measures to protect personal data and provides victims with the right to seek corrective action if their data is used fraudulently. As a victim of the breach, I am entitled to the removal of any fraudulent information linked to this breach.\n\n*Fair Credit Reporting Act - 15 U.S.C . 1681b ( f ) : This section clarifies that credit reporting agencies must take reasonable steps to ensure that the information they report is accurate. If a consumer disputes an item, the agency must take prompt action to correct or remove the inaccurate information. This legal requirement bolsters my claim to have any fraudulent information removed.\n\n*Identity Theft Enforcement and Restitution Act ( 18 U.S.C . 3663A ) : This act allows victims of identity theft to seek restitution and places responsibility on the parties involved in the fraudulent use of personal information. This is a critical legal provision supporting my request for restitution or correction of fraudulent debt on my credit report.\n\n*Electronic Fund Transfer Act ( EFTA ) - 15 U.S.C. 1693g : The EFTA requires that financial institutions notify consumers of unauthorized transactions. This is particularly relevant in cases where a consumers financial information has been used fraudulently. I request that you investigate whether unauthorized transactions have occurred under my name and resolve any associated debt or discrepancies.\n\n*Federal Trade Commission ( FTC ) Identity Theft Report ( 15 U.S.C. 1681c-3 ) : The FTC Identity Theft Report is a crucial document when disputing fraudulent information on your credit report. According to 15 U.S.C. 1681c-3, credit reporting agencies are required to block fraudulent information on the basis of a valid FTC identity theft report. This law underpins my request to remove fraudulent accounts linked to identity theft.\n\n*Fair and Accurate Credit Transactions Act ( FACTA ) of 2003, 15 U.S.C . 1681c-1 : FACTA enhances the rights of identity theft victims by providing a mechanism for blocking fraudulent information from a credit report. Under FACTA, credit reporting agencies are required to block fraudulent information once the consumer has submitted a police report or an FTC identity theft report.\n\n*Consumer Financial Protection Bureau ( CFPB ) Regulations ( 12 C.F.R. 1022.41 ) : The CFPB regulations also enforce the FCRAs rules, including the removal of fraudulent entries from credit reports. According to these regulations, credit reporting agencies must take immediate action once notified of identity theft or fraud.\n\n*Spokeo, Inc. v. Robins , 136 S. Ct. 1540 ( 2016 ) : The Supreme Court ruled that a consumer has standing to sue under the Fair Credit Reporting Act ( FCRA ) even if the injury is intangible, such as the inaccurate reporting of personal data. This case highlights the importance of ensuring the accuracy of information on your credit report and your right to dispute any discrepancies, especially in the context of data breaches.\n\nFurthermore, in the landmark case Spokeo , Inc. v. Robins, 578 U.S. 330 ( 2016 ), the U.S. Supreme Court emphasized the need for accurate reporting and consumer protection under the FCRA. As my personal information has been compromised, I believe the inaccuracies on my credit report represent a clear violation of this precedent, which ensures the integrity and security of credit reporting.\n\n*Safeco Ins. Co. v. Burr, 551 U.S. 47 ( 2007 ) : This case established that consumers are entitled to damages when a credit report is inaccurately reported, even if the violation was not willful. It is a key case reinforcing the legal obligations of credit reporting agencies to report accurate information and respond to consumer disputes.\n\n*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : This case involved a data breach where consumers personal data was stolen. The court ruled that individuals who were at risk of identity theft due to the breach had standing to sue, even if they did not suffer actual financial harm at the time. This case highlights the importance of taking action when personal information is compromised, as potential harm can exist even if no immediate fraud occurs.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This case involved a massive data breach at XXXX XXXX which owned retailers such as TJ Maxx ). The court ruled that individuals whose data was compromised could seek legal remedies for the breach. The case emphasizes that businesses have an obligation to protect consumer data and that consumers are entitled to redress if that data is mishandled or used for fraudulent purposes.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The court ruled that individuals whose personal information is stolen due to a breach have standing to sue if they can demonstrate that the breach exposed them to a heightened risk of identity theft. In the case of disputed credit report items resulting from such breaches, courts have held that the impacted individuals can pursue legal remedies.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : In this case, the court ruled that credit reporting agencies must take proactive steps when dealing with disputes over fraud and identity theft. The case emphasizes that the credit bureaus have an obligation to conduct a thorough investigation when consumers assert that their personal information has been compromised and misused. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The court held that a consumer whose identity was stolen due to a data breach could sue credit bureaus for not properly investigating disputed items resulting from the theft. The case underscores the need for credit bureaus to comply with the FCRAs dispute investigation provisions in cases of fraud resulting from data breaches.\n\n*Sued v. TransUnion LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  This case illustrates that consumers have the right to hold credit bureaus accountable if they fail to correct inaccurate information, including data compromised by breaches. The court ruled that consumers whose information has been misused have standing to challenge the misinformation in court, especially if the bureaus fail to adequately investigate.\n\n*Carmen v. Experian Information Solutions , Inc. , 2015 U.S. DistXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : The court emphasized that credit reporting agencies must reasonably investigate disputes regarding credit report inaccuracies, particularly where fraud or identity theft is suspected. This ruling supports my request for an investigation into fraudulent entries on my credit report.\n\n*Guerrero v. Asset Acceptance , LLC , 2014 U.S. Dist. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The court reiterated that debt collectors must validate a debt when disputed. This case upholds the consumer 's right to request debt validation and provides a framework for requesting the documentation needed to prove the legitimacy of a debt.\n\nIn compliance with the Gramm-Leach-Bliley Act and the Federal Trade Commissions ( FTC ) Red Flags Rule, your company is obligated to protect sensitive personal information and take immediate action in response to any breach. Non-compliance could expose your organization to legal liability under the Identity Theft Enforcement and Restitution Act of 2008.\n\nTherefore, I respectfully request the following : *A detailed explanation of how the breach occurred and the steps your company is taking to prevent further incidents.\n\n*A list of all my accounts and personal information that were potentially exposed due to the breach.\n\n*Documentation of the steps being taken to assist consumers impacted by the breach, including any credit monitoring services provided.\n\nDebt Validation Request : In addition to requesting the removal of fraudulent information, I am also requesting that you validate any debt ( s ) reporting on my credit profile and provide the following documentation : *Payment History : Proof that I owe the debt ( s ), including but not limited to a detailed history of payments made on the account ( s ), listing all credits, debits, and balances.\n\n*Chain of Title : Documentation that verifies the transfer of ownership of the debt, showing that the party attempting to collect the debt has the legal right to do so. This should include a clear chain of title and any evidence of assignment or transfer of the debt. Full chain of Assignment ( FDCPA Sections 809a, 809b, 809c, 809d, 809e ) *Original Contract : I demand the original signed contract that allegedly binds me to this debt, with my signature, to confirm my intent to repay the debt. If no signed contract exists, I request proof of the debts legitimacy. This is particularly critical, as the data breaches Ive outlined above may have resulted in fraudulent activities leading to this debt.\n\n*Insurance Claims : Details of any insurance claims linked to this account, including coverage information or settlements made in relation to the debt claims, and any reimbursements or settlements received.\n\n*Clear Explanation of Fees and Charges : Debt collectors must explain any additional fees or charges that have been applied, such as late fees, interest rates, or collection fees. They must also justify these fees to ensure that they are in line with the original agreement. ( FDCPA Section 808 : Prohibits the collection of charges or fees that are not legally authorized or part of the original agreement. ) *Validation that the Debt is Not Beyond the Statute of Limitations : Debt collectors must verify that the debt is not time-barred. If the debt is too old, the collector may no longer have legal standing to pursue it, and they should cease collection efforts. ( FDCPA Section 808 : Prohibits pursuing time-barred debts. ) Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, you are legally required to provide the requested documentation before pursuing further collection efforts.\n\nRequest for Action : I respectfully request that you take the following actions : Conduct a full investigation into the entries on my credit report, including the debt ( s ) in question, and provide the requested documentation.\n\n1. Remove or correct any fraudulent or inaccurate or incomplete entries as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.\n\n2. Block any fraudulent entries under FCRA Section 605B ( 15 U.S.C. 1681c-2 ) linked to the identity theft resulting from a data breach.\n\n3. Resolve any discrepancies linked to the data breach promptly.\n\nPlease respond in writing with the results of your investigation within the 30-day timeframe set forth by the FCRA. I have enclosed supporting documentation, including the FTC report, CFPB complaint reference, proof of identity, and a copy of other data breaches related to my credit profile along with a copy of all three credit bureaus ' credit freezes. Should you need any additional information, please feel free to contact me directly.\n\nPlease consider this dispute an urgent matter in light of the significant impact the data breaches I have had on my personal and financial information. I request a timely and thorough investigation into the inaccuracies and fraudulent activities linked to these breaches.\n\nThank you for your prompt attention to this matter. I look forward to your swift response.\n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-01T17:47:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20743","tags":null,"has_narrative":true,"complaint_id":"12278503","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-01T17:47:10.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Personal Information : Name XXXX XXXX XXXX XXXX Date of Birth XXXX XXXX XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX Social <em>Security</em> Number : XXXX <em>Nature</em> of <em>Dispute</em> : As you are <em>aware</em>, <em>numerous</em> data breaches have compromised the personal and financial information of millions of consumers. These breaches have led to significant harm and disruptions in the credit profiles of affected individuals, including mine."]},"sort":[5.858724,"12278503"]},{"_index":"complaint-public-v1","_id":"12278439","_score":5.854785,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Entire Credit Report Entries and Request for Debt Validation Due to Multiple Data Breach and Violations of the Fair Credit Reporting Act ( FCRA ) Dear [ Credit Reporting Agency ], I am writing to formally dispute inaccurate and incomplete information on my credit report, which I believe may have resulted from data breaches involving Equifax, XXXX, and XXXX, specifically the well-documented breach at XXXX, XXXX well as XXXX XXXX and several other breaches dating back to XXXX and continuing to the XXXX XXXX. These breaches have compromised the security of my personal information. \n\nIt has come to my attention that my personal data, including sensitive information such as my Social Security Number, drivers license, date of birth, and/or account details, was exposed due to breaches involving your companies and others the widespread exposure of my personal data in these breaches calls into question the validity of any information currently reported on my credit report.These breaches are not isolated incidents. The cumulative effect of having my personal information exposed multiple times to unauthorized third parties has put my financial health at significant risk. Each data breach has increased the likelihood that my information could be misused, leading to distress as I work to protect myself from identity theft, fraud, and erroneous financial reporting in this increasingly digital world. These breaches have caused my credit history to be in dispute, given the unauthorized access to my confidential information.\n\nI am requesting a thorough investigation into any incorrect or fraudulent entries associated with these breaches. Additionally, I request the immediate deletion of any fraudulent information related to this identity theft. Due to the scale of these breaches, I expect your agency to investigate and correct any errors caused by this breach under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I expect all derogatory marks, accounts, and inquiries linked to these breaches to be investigated and removed if they are found to be invalid or fraudulently reported.\n\nPersonal Information : Name XXXX XXXX XXXX XXXX Date of Birth XXXX XXXX XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX Social Security Number : XXXX Nature of Dispute : As you are aware, numerous data breaches have compromised the personal and financial information of millions of consumers. These breaches have led to significant harm and disruptions in the credit profiles of affected individuals, including mine. Sensitive data has been exposed and is now vulnerable to misuse by unauthorized parties. As a result, I believe that my credit report may contain erroneous or fraudulent entries caused by this exposure.\n\nI have identified discrepancies in my credit report that appear to be linked to fraudulent activity resulting from breaches dating back to XXXX. \n\nAdditionally, I have already filed a report with the Federal Trade Commission ( FTC ) and submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. Both actions further support my claim of potential identity theft and underscore the need for immediate correction of my credit report.\n\nAs required by FCRA Section 605 ( B ), I request that you investigate these discrepancies and remove any fraudulent information from my credit report. I expect a response within 30 days of receipt of this letter. Please provide documentation detailing the steps taken to investigate and resolve my dispute.If this matter is not resolved within the specified timeframe, I will take further action, including pursuing legal remedies to protect my rights under the law. I am invoking my rights under various federal laws regarding identity theft and fraudulent credit reporting, specifically referencing Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which requires credit reporting agencies to block fraudulent information that results from identity theft.\n\nPlease note that, under FCRA Section 1681s-2 ( a ), credit reporting agencies are required to \" Reinvestigate '' disputed items and correct any inaccuracies or incomplete information. Given that the data breach is directly related to the inaccuracy or potential misuse of my information, I am requesting that you review my entire credit reportnot just the individual disputed items to ensure it accuracy. \n\nXXXX XXXX XXXX XXXX  faced a security breach in XXXX, compromising sensitive customer data. This breach was part of a larger trend of financial institutions failing to protect their clients ' information, which could have impacted the accuracy of financial records and reports related to my credit profile. \n\nEquifax XXXX XXXX ( XXXX ) : In this widely publicized breach, Equifax exposed the personal information of approximately 147 million Americans, including social security numbers, birth dates, addresses, and, in some cases, driver 's license numbers. Equifax 's failure to properly safeguard my data potentially led to identity theft and fraudulent activities, which could have affected my credit score. As such, I request that you investigate and correct any erroneous information that may have arisen from this breach, as allowed by FCRA 15 U.S.C. 1681c-2 ( regarding notice of changes in personal information ). As the Federal Trade Commission ( FTC ) confirmed in XXXX, the breach posed a significant risk of identity theft ( FTC v. Equifax, XXXX ). The FTC noted that Equifax inadequate security measures led to the exposure of millions of Americans ' personal data. The XXXX XXXX XXXX for the XXXX XXXX XXXX Georgia ruled that Equifax failure to implement \" reasonable security measures '' violated consumers ' rights under the FCRA, specifically 15 U.S.C. 1681b ( f ) ( which mandates that consumer data be used for permissible purposes only ). As such, I request that you review my credit report for any entries that could have resulted from fraudulent use of my information due to this breach.\n\nExperian & Transunion Data Breaches : Although these breaches may not have been as large-scale as Equifax they still exposed millions of Americans to significant risks of identity theft. Both bureaus have a duty under FCRA 15 U.S.C. 1681e ( b ) to maintain accurate information. Given the recent disclosures of personal data, I request that both Experian and TransUnion review my credit reports for any inaccurate information resulting from the breaches. Both Experian and TransUnion have also been involved in various other data breaches, compromising sensitive personal data. Most recently, TransUnion settled a class action lawsuit in XXXX for failing to protect consumer data properly, leading to widespread fraud and inaccurate credit reporting. In TransUnion Data Breach Litigation, XXXX XXXX XXXX ( XXXX XXXX ), the court found that TransUnion had violated its obligations under FCRA 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy in the credit reports they produce. As these companies ' failures in safeguarding personal data are well-documented, I request a thorough review and update of my credit file to ensure any inaccuracies from these breaches are addressedXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXs breach exposed personal information of millions of customers, including payment details. The breach involved malicious code being introduced into the company 's ticketing systems. As a customer who was impacted by this breach, this was significant, as it impacted the personal financial data of millions, including myself. \n\n* XXXX XXXX XXXX XXXX, legal action was taken against the company for its failure to adequately protect customer data. Equifax , Inc., Customer Data Security Breach Litigation,\n2019 WL 3937643 ( N.D. Ga. 2019 ) : In this case, Equifax was held accountable for its failure to protect consumer data, which directly impacted the accuracy of credit reports.\n\nTransunion Data Breach Litigation, 2020 WL 2650920 ( N.D. Ill. ) : This case reinforces that credit bureaus are liable for failing to safeguard consumer data and are required to ensure accuracy in their credit reporting.\n\nData Breach Liability Equifax , Inc., Customer Data Security Breach Litigation, 2019 WL 3937643 ( N.D. Ga. 2019 ) : In this case, consumers alleged that Equifax 's failure to protect their data led to significant financial and emotional harm. The court ruled that Equifax could be held liable for the harm caused by their negligence in failing to properly safeguard consumer data. \n\nCFPB Lawsuit Against Experian ( 2025 ) : In XX/XX/XXXX, the CFPB sued Experian, alleging that the company failed to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports.\n\nExperian/T-Mobile Data Breach ( 2015 ) : This breach exposed the personal information of nearly XXXX XXXX customers. \n\nExperian Data Breach Settlement ( 2019 ) : This settlement addresses claims that Experian had reported incorrect residential information, labeling certain addresses as high-risk, which adversely affected consumers ' creditworthiness.\n\nCFPB Enforcement Actions : The CFPB took action against TransUnion in 2022 for deceptive marketing practices related to credit scores and credit-related products. \n\nFTC XXXX XXXX XXXX XXXX, where the FTC emphasized the importance of data security practices and consumer rights in cases involving breaches of sensitive data. \n\nData Breach Impact on Credit Reports : Courts have acknowledged the need for credit bureaus to take reasonable steps to ensure that data breaches do not result in the dissemination of inaccurate information. \n\nXXXXe XXXX XXXXransUnion LLC , 925 F.3d 201 ( 3rd Cir. XXXX XXXX, the court emphasized that credit bureaus must act promptly when alerted to fraud or inaccuracies resulting from a data breach. \n\n*Section 1681e ( b ) : This provision requires that credit reporting agencies adopt reasonable procedures to ensure the accuracy of the information in their reports. Given the occurrence of the data breach, I am requesting that you reevaluate your security measures and take immediate action to ensure my credit report is corrected to reflect only accurate information.\n\n*Identity Theft Victim Rights : Under the FCRA, if a consumers information is compromised due to a data breach and they become a victim of identity theft, they have the right to request that a fraud alert or credit freeze be placed on their file. Additionally, consumers can request that their credit report be reviewed for any inaccuracies or unauthorized entries. \n\n*FCRA Section 605B ( 15 U.S.C. 1681c-2 ) : This section mandates that credit bureaus block any fraudulent information related to identity theft once I provide proper documentation ( e.g., a police report or FTC identity theft report ). You are required to block any fraudulent accounts or entries that were not made by me and notify me that the information has been blocked.\n\n*The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i : Under the FCRA, credit reporting agencies are legally obligated to maintain accurate and complete consumer credit information. Section 1681i requires that if a consumer disputes information, the credit reporting agency must investigate and respond to the dispute within 30 days. Given the data breach, I expect that any fraudulent or inaccurate information will be corrected.\n\n*Fair Credit Reporting Act ( FCRA ), Section 1681i ( 15 U.S.C. 1681i ) : Under FCRA Section 1681i, if I dispute inaccurate or incomplete information on my credit report, you are required to conduct a full investigation. If the information is found to be inaccurate or fraudulent, you must remove or correct it. This statute strengthens my request for the deletion of fraudulent accounts from my credit report. \n\n*Identity Theft and Assumption Deterrence Act ( 18 U.S.C . 1028 ) : This statute criminalizes identity theft and provides a basis for legal recourse. If my personal information was used fraudulently, I am entitled to seek corrective actions through the credit bureaus. The fraudulent entries on my report violate this federal law, and I request their immediate deletion.\n\n*Identity Theft Victims Assistance Act ( 16 C.F.R. 603.2 ) : The Identity Theft Victims Assistance Act stipulates that victims of identity theft can request the blocking of fraudulent information on their credit reports. This regulation supports my claim that the fraudulent entries caused by the breach should be removed immediately once I provide sufficient evidence of identity theft. \n\n*Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692g : Under this law, any debt that is disputed by the consumer must be validated by the debt collector before collection efforts proceed. This validates my right to dispute any debts that have been fraudulently placed on my credit report and for you to provide proof of the legitimacy of these debts before pursuing any further actions.\n\n*The Consumer Privacy Protection Act ( S. 2151 ) : This law requires companies to implement measures to protect personal data and provides victims with the right to seek corrective action if their data is used fraudulently. As a victim of the breach, I am entitled to the removal of any fraudulent information linked to this breach.\n\n*Fair Credit Reporting Act - 15 U.S.C . 1681b ( f ) : This section clarifies that credit reporting agencies must take reasonable steps to ensure that the information they report is accurate. If a consumer disputes an item, the agency must take prompt action to correct or remove the inaccurate information. This legal requirement bolsters my claim to have any fraudulent information removed.\n\n*Identity Theft Enforcement and Restitution Act ( 18 U.S.C . 3663A ) : This act allows victims of identity theft to seek restitution and places responsibility on the parties involved in the fraudulent use of personal information. This is a critical legal provision supporting my request for restitution or correction of fraudulent debt on my credit report.\n\n*Electronic Fund Transfer Act ( EFTA ) - 15 U.S.C. 1693g : The EFTA requires that financial institutions notify consumers of unauthorized transactions. This is particularly relevant in cases where a consumers financial information has been used fraudulently. I request that you investigate whether unauthorized transactions have occurred under my name and resolve any associated debt or discrepancies.\n\n*Federal Trade Commission ( FTC ) Identity Theft Report ( 15 U.S.C. 1681c-3 ) : The FTC Identity Theft Report is a crucial document when disputing fraudulent information on your credit report. According to 15 U.S.C. 1681c-3, credit reporting agencies are required to block fraudulent information on the basis of a valid FTC identity theft report. This law underpins my request to remove fraudulent accounts linked to identity theft.\n\n*Fair and Accurate Credit Transactions Act ( FACTA ) of 2003, 15 U.S.C . 1681c-1 : FACTA enhances the rights of identity theft victims by providing a mechanism for blocking fraudulent information from a credit report. Under FACTA, credit reporting agencies are required to block fraudulent information once the consumer has submitted a police report or an FTC identity theft report.\n\n*Consumer Financial Protection Bureau ( CFPB ) Regulations ( 12 C.F.R. 1022.41 ) : The CFPB regulations also enforce the FCRAs rules, including the removal of fraudulent entries from credit reports. According to these regulations, credit reporting agencies must take immediate action once notified of identity theft or fraud.\n\n*Spokeo, Inc. v. Robins , 136 S. Ct. 1540 ( 2016 ) : The Supreme Court ruled that a consumer has standing to sue under the Fair Credit Reporting Act ( FCRA ) even if the injury is intangible, such as the inaccurate reporting of personal data. This case highlights the importance of ensuring the accuracy of information on your credit report and your right to dispute any discrepancies, especially in the context of data breaches.\n\nFurthermore, in the landmark case Spokeo , Inc. v. Robins, 578 U.S. 330 ( 2016 ), the U.S. Supreme Court emphasized the need for accurate reporting and consumer protection under the FCRA. As my personal information has been compromised, I believe the inaccuracies on my credit report represent a clear violation of this precedent, which ensures the integrity and security of credit reporting.\n\n*Safeco Ins. Co. v. Burr, 551 U.S. 47 ( 2007 ) : This case established that consumers are entitled to damages when a credit report is inaccurately reported, even if the violation was not willful. It is a key case reinforcing the legal obligations of credit reporting agencies to report accurate information and respond to consumer disputes.\n\n*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : This case involved a data breach where consumers personal data was stolen. The court ruled that individuals who were at risk of identity theft due to the breach had standing to sue, even if they did not suffer actual financial harm at the time. This case highlights the importance of taking action when personal information is compromised, as potential harm can exist even if no immediate fraud occurs.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This case involved a massive data breach at XXXX XXXX which owned retailers such as TJ Maxx ). The court ruled that individuals whose data was compromised could seek legal remedies for the breach. The case emphasizes that businesses have an obligation to protect consumer data and that consumers are entitled to redress if that data is mishandled or used for fraudulent purposes.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The court ruled that individuals whose personal information is stolen due to a breach have standing to sue if they can demonstrate that the breach exposed them to a heightened risk of identity theft. In the case of disputed credit report items resulting from such breaches, courts have held that the impacted individuals can pursue legal remedies.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : In this case, the court ruled that credit reporting agencies must take proactive steps when dealing with disputes over fraud and identity theft. The case emphasizes that the credit bureaus have an obligation to conduct a thorough investigation when consumers assert that their personal information has been compromised and misused. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The court held that a consumer whose identity was stolen due to a data breach could sue credit bureaus for not properly investigating disputed items resulting from the theft. The case underscores the need for credit bureaus to comply with the FCRAs dispute investigation provisions in cases of fraud resulting from data breaches.\n\n*Sued v. TransUnion LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  This case illustrates that consumers have the right to hold credit bureaus accountable if they fail to correct inaccurate information, including data compromised by breaches. The court ruled that consumers whose information has been misused have standing to challenge the misinformation in court, especially if the bureaus fail to adequately investigate.\n\n*Carmen v. Experian Information Solutions , Inc. , 2015 U.S. DistXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : The court emphasized that credit reporting agencies must reasonably investigate disputes regarding credit report inaccuracies, particularly where fraud or identity theft is suspected. This ruling supports my request for an investigation into fraudulent entries on my credit report.\n\n*Guerrero v. Asset Acceptance , LLC , 2014 U.S. Dist. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The court reiterated that debt collectors must validate a debt when disputed. This case upholds the consumer 's right to request debt validation and provides a framework for requesting the documentation needed to prove the legitimacy of a debt.\n\nIn compliance with the Gramm-Leach-Bliley Act and the Federal Trade Commissions ( FTC ) Red Flags Rule, your company is obligated to protect sensitive personal information and take immediate action in response to any breach. Non-compliance could expose your organization to legal liability under the Identity Theft Enforcement and Restitution Act of 2008.\n\nTherefore, I respectfully request the following : *A detailed explanation of how the breach occurred and the steps your company is taking to prevent further incidents.\n\n*A list of all my accounts and personal information that were potentially exposed due to the breach.\n\n*Documentation of the steps being taken to assist consumers impacted by the breach, including any credit monitoring services provided.\n\nDebt Validation Request : In addition to requesting the removal of fraudulent information, I am also requesting that you validate any debt ( s ) reporting on my credit profile and provide the following documentation : *Payment History : Proof that I owe the debt ( s ), including but not limited to a detailed history of payments made on the account ( s ), listing all credits, debits, and balances.\n\n*Chain of Title : Documentation that verifies the transfer of ownership of the debt, showing that the party attempting to collect the debt has the legal right to do so. This should include a clear chain of title and any evidence of assignment or transfer of the debt. Full chain of Assignment ( FDCPA Sections 809a, 809b, 809c, 809d, 809e ) *Original Contract : I demand the original signed contract that allegedly binds me to this debt, with my signature, to confirm my intent to repay the debt. If no signed contract exists, I request proof of the debts legitimacy. This is particularly critical, as the data breaches Ive outlined above may have resulted in fraudulent activities leading to this debt.\n\n*Insurance Claims : Details of any insurance claims linked to this account, including coverage information or settlements made in relation to the debt claims, and any reimbursements or settlements received.\n\n*Clear Explanation of Fees and Charges : Debt collectors must explain any additional fees or charges that have been applied, such as late fees, interest rates, or collection fees. They must also justify these fees to ensure that they are in line with the original agreement. ( FDCPA Section 808 : Prohibits the collection of charges or fees that are not legally authorized or part of the original agreement. ) *Validation that the Debt is Not Beyond the Statute of Limitations : Debt collectors must verify that the debt is not time-barred. If the debt is too old, the collector may no longer have legal standing to pursue it, and they should cease collection efforts. ( FDCPA Section 808 : Prohibits pursuing time-barred debts. ) Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, you are legally required to provide the requested documentation before pursuing further collection efforts.\n\nRequest for Action : I respectfully request that you take the following actions : Conduct a full investigation into the entries on my credit report, including the debt ( s ) in question, and provide the requested documentation.\n\n1. Remove or correct any fraudulent or inaccurate or incomplete entries as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.\n\n2. Block any fraudulent entries under FCRA Section 605B ( 15 U.S.C. 1681c-2 ) linked to the identity theft resulting from a data breach.\n\n3. Resolve any discrepancies linked to the data breach promptly.\n\nPlease respond in writing with the results of your investigation within the 30-day timeframe set forth by the FCRA. I have enclosed supporting documentation, including the FTC report, CFPB complaint reference, proof of identity, and a copy of other data breaches related to my credit profile along with a copy of all three credit bureaus ' credit freezes. Should you need any additional information, please feel free to contact me directly.\n\nPlease consider this dispute an urgent matter in light of the significant impact the data breaches I have had on my personal and financial information. I request a timely and thorough investigation into the inaccuracies and fraudulent activities linked to these breaches.\n\nThank you for your prompt attention to this matter. I look forward to your swift response.\n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-01T17:47:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20743","tags":null,"has_narrative":true,"complaint_id":"12278439","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-01T16:58:26.000Z","state":"MD","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Personal Information : Name XXXX XXXX XXXX XXXX Date of Birth XXXX XXXX XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX Social <em>Security</em> Number : XXXX <em>Nature</em> of <em>Dispute</em> : As you are <em>aware</em>, <em>numerous</em> data breaches have compromised the personal and financial information of millions of consumers. These breaches have led to significant harm and disruptions in the credit profiles of affected individuals, including mine."]},"sort":[5.854785,"12278439"]},{"_index":"complaint-public-v1","_id":"12278501","_score":5.852559,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Entire Credit Report Entries and Request for Debt Validation Due to Multiple Data Breach and Violations of the Fair Credit Reporting Act ( FCRA ) Dear [ Credit Reporting Agency ], I am writing to formally dispute inaccurate and incomplete information on my credit report, which I believe may have resulted from data breaches involving Equifax, XXXX, and XXXX, specifically the well-documented breach at XXXX, XXXX well as XXXX XXXX and several other breaches dating back to XXXX and continuing to the XXXX XXXX. These breaches have compromised the security of my personal information. \n\nIt has come to my attention that my personal data, including sensitive information such as my Social Security Number, drivers license, date of birth, and/or account details, was exposed due to breaches involving your companies and others the widespread exposure of my personal data in these breaches calls into question the validity of any information currently reported on my credit report.These breaches are not isolated incidents. The cumulative effect of having my personal information exposed multiple times to unauthorized third parties has put my financial health at significant risk. Each data breach has increased the likelihood that my information could be misused, leading to distress as I work to protect myself from identity theft, fraud, and erroneous financial reporting in this increasingly digital world. These breaches have caused my credit history to be in dispute, given the unauthorized access to my confidential information.\n\nI am requesting a thorough investigation into any incorrect or fraudulent entries associated with these breaches. Additionally, I request the immediate deletion of any fraudulent information related to this identity theft. Due to the scale of these breaches, I expect your agency to investigate and correct any errors caused by this breach under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I expect all derogatory marks, accounts, and inquiries linked to these breaches to be investigated and removed if they are found to be invalid or fraudulently reported.\n\nPersonal Information : Name XXXX XXXX XXXX XXXX Date of Birth XXXX XXXX XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX Social Security Number : XXXX Nature of Dispute : As you are aware, numerous data breaches have compromised the personal and financial information of millions of consumers. These breaches have led to significant harm and disruptions in the credit profiles of affected individuals, including mine. Sensitive data has been exposed and is now vulnerable to misuse by unauthorized parties. As a result, I believe that my credit report may contain erroneous or fraudulent entries caused by this exposure.\n\nI have identified discrepancies in my credit report that appear to be linked to fraudulent activity resulting from breaches dating back to XXXX. \n\nAdditionally, I have already filed a report with the Federal Trade Commission ( FTC ) and submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. Both actions further support my claim of potential identity theft and underscore the need for immediate correction of my credit report.\n\nAs required by FCRA Section 605 ( B ), I request that you investigate these discrepancies and remove any fraudulent information from my credit report. I expect a response within 30 days of receipt of this letter. Please provide documentation detailing the steps taken to investigate and resolve my dispute.If this matter is not resolved within the specified timeframe, I will take further action, including pursuing legal remedies to protect my rights under the law. I am invoking my rights under various federal laws regarding identity theft and fraudulent credit reporting, specifically referencing Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which requires credit reporting agencies to block fraudulent information that results from identity theft.\n\nPlease note that, under FCRA Section 1681s-2 ( a ), credit reporting agencies are required to \" Reinvestigate '' disputed items and correct any inaccuracies or incomplete information. Given that the data breach is directly related to the inaccuracy or potential misuse of my information, I am requesting that you review my entire credit reportnot just the individual disputed items to ensure it accuracy. \n\nXXXX XXXX XXXX XXXX  faced a security breach in XXXX, compromising sensitive customer data. This breach was part of a larger trend of financial institutions failing to protect their clients ' information, which could have impacted the accuracy of financial records and reports related to my credit profile. \n\nEquifax XXXX XXXX ( XXXX ) : In this widely publicized breach, Equifax exposed the personal information of approximately 147 million Americans, including social security numbers, birth dates, addresses, and, in some cases, driver 's license numbers. Equifax 's failure to properly safeguard my data potentially led to identity theft and fraudulent activities, which could have affected my credit score. As such, I request that you investigate and correct any erroneous information that may have arisen from this breach, as allowed by FCRA 15 U.S.C. 1681c-2 ( regarding notice of changes in personal information ). As the Federal Trade Commission ( FTC ) confirmed in XXXX, the breach posed a significant risk of identity theft ( FTC v. Equifax, XXXX ). The FTC noted that Equifax inadequate security measures led to the exposure of millions of Americans ' personal data. The XXXX XXXX XXXX for the XXXX XXXX XXXX Georgia ruled that Equifax failure to implement \" reasonable security measures '' violated consumers ' rights under the FCRA, specifically 15 U.S.C. 1681b ( f ) ( which mandates that consumer data be used for permissible purposes only ). As such, I request that you review my credit report for any entries that could have resulted from fraudulent use of my information due to this breach.\n\nExperian & Transunion Data Breaches : Although these breaches may not have been as large-scale as Equifax they still exposed millions of Americans to significant risks of identity theft. Both bureaus have a duty under FCRA 15 U.S.C. 1681e ( b ) to maintain accurate information. Given the recent disclosures of personal data, I request that both Experian and TransUnion review my credit reports for any inaccurate information resulting from the breaches. Both Experian and TransUnion have also been involved in various other data breaches, compromising sensitive personal data. Most recently, TransUnion settled a class action lawsuit in XXXX for failing to protect consumer data properly, leading to widespread fraud and inaccurate credit reporting. In TransUnion Data Breach Litigation, XXXX XXXX XXXX ( XXXX XXXX ), the court found that TransUnion had violated its obligations under FCRA 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy in the credit reports they produce. As these companies ' failures in safeguarding personal data are well-documented, I request a thorough review and update of my credit file to ensure any inaccuracies from these breaches are addressedXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXs breach exposed personal information of millions of customers, including payment details. The breach involved malicious code being introduced into the company 's ticketing systems. As a customer who was impacted by this breach, this was significant, as it impacted the personal financial data of millions, including myself. \n\n* XXXX XXXX XXXX XXXX, legal action was taken against the company for its failure to adequately protect customer data. Equifax , Inc., Customer Data Security Breach Litigation,\n2019 WL 3937643 ( N.D. Ga. 2019 ) : In this case, Equifax was held accountable for its failure to protect consumer data, which directly impacted the accuracy of credit reports.\n\nTransunion Data Breach Litigation, 2020 WL 2650920 ( N.D. Ill. ) : This case reinforces that credit bureaus are liable for failing to safeguard consumer data and are required to ensure accuracy in their credit reporting.\n\nData Breach Liability Equifax , Inc., Customer Data Security Breach Litigation, 2019 WL 3937643 ( N.D. Ga. 2019 ) : In this case, consumers alleged that Equifax 's failure to protect their data led to significant financial and emotional harm. The court ruled that Equifax could be held liable for the harm caused by their negligence in failing to properly safeguard consumer data. \n\nCFPB Lawsuit Against Experian ( 2025 ) : In XX/XX/XXXX, the CFPB sued Experian, alleging that the company failed to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports.\n\nExperian/T-Mobile Data Breach ( 2015 ) : This breach exposed the personal information of nearly XXXX XXXX customers. \n\nExperian Data Breach Settlement ( 2019 ) : This settlement addresses claims that Experian had reported incorrect residential information, labeling certain addresses as high-risk, which adversely affected consumers ' creditworthiness.\n\nCFPB Enforcement Actions : The CFPB took action against TransUnion in 2022 for deceptive marketing practices related to credit scores and credit-related products. \n\nFTC XXXX XXXX XXXX XXXX, where the FTC emphasized the importance of data security practices and consumer rights in cases involving breaches of sensitive data. \n\nData Breach Impact on Credit Reports : Courts have acknowledged the need for credit bureaus to take reasonable steps to ensure that data breaches do not result in the dissemination of inaccurate information. \n\nXXXXe XXXX XXXXransUnion LLC , 925 F.3d 201 ( 3rd Cir. XXXX XXXX, the court emphasized that credit bureaus must act promptly when alerted to fraud or inaccuracies resulting from a data breach. \n\n*Section 1681e ( b ) : This provision requires that credit reporting agencies adopt reasonable procedures to ensure the accuracy of the information in their reports. Given the occurrence of the data breach, I am requesting that you reevaluate your security measures and take immediate action to ensure my credit report is corrected to reflect only accurate information.\n\n*Identity Theft Victim Rights : Under the FCRA, if a consumers information is compromised due to a data breach and they become a victim of identity theft, they have the right to request that a fraud alert or credit freeze be placed on their file. Additionally, consumers can request that their credit report be reviewed for any inaccuracies or unauthorized entries. \n\n*FCRA Section 605B ( 15 U.S.C. 1681c-2 ) : This section mandates that credit bureaus block any fraudulent information related to identity theft once I provide proper documentation ( e.g., a police report or FTC identity theft report ). You are required to block any fraudulent accounts or entries that were not made by me and notify me that the information has been blocked.\n\n*The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i : Under the FCRA, credit reporting agencies are legally obligated to maintain accurate and complete consumer credit information. Section 1681i requires that if a consumer disputes information, the credit reporting agency must investigate and respond to the dispute within 30 days. Given the data breach, I expect that any fraudulent or inaccurate information will be corrected.\n\n*Fair Credit Reporting Act ( FCRA ), Section 1681i ( 15 U.S.C. 1681i ) : Under FCRA Section 1681i, if I dispute inaccurate or incomplete information on my credit report, you are required to conduct a full investigation. If the information is found to be inaccurate or fraudulent, you must remove or correct it. This statute strengthens my request for the deletion of fraudulent accounts from my credit report. \n\n*Identity Theft and Assumption Deterrence Act ( 18 U.S.C . 1028 ) : This statute criminalizes identity theft and provides a basis for legal recourse. If my personal information was used fraudulently, I am entitled to seek corrective actions through the credit bureaus. The fraudulent entries on my report violate this federal law, and I request their immediate deletion.\n\n*Identity Theft Victims Assistance Act ( 16 C.F.R. 603.2 ) : The Identity Theft Victims Assistance Act stipulates that victims of identity theft can request the blocking of fraudulent information on their credit reports. This regulation supports my claim that the fraudulent entries caused by the breach should be removed immediately once I provide sufficient evidence of identity theft. \n\n*Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692g : Under this law, any debt that is disputed by the consumer must be validated by the debt collector before collection efforts proceed. This validates my right to dispute any debts that have been fraudulently placed on my credit report and for you to provide proof of the legitimacy of these debts before pursuing any further actions.\n\n*The Consumer Privacy Protection Act ( S. 2151 ) : This law requires companies to implement measures to protect personal data and provides victims with the right to seek corrective action if their data is used fraudulently. As a victim of the breach, I am entitled to the removal of any fraudulent information linked to this breach.\n\n*Fair Credit Reporting Act - 15 U.S.C . 1681b ( f ) : This section clarifies that credit reporting agencies must take reasonable steps to ensure that the information they report is accurate. If a consumer disputes an item, the agency must take prompt action to correct or remove the inaccurate information. This legal requirement bolsters my claim to have any fraudulent information removed.\n\n*Identity Theft Enforcement and Restitution Act ( 18 U.S.C . 3663A ) : This act allows victims of identity theft to seek restitution and places responsibility on the parties involved in the fraudulent use of personal information. This is a critical legal provision supporting my request for restitution or correction of fraudulent debt on my credit report.\n\n*Electronic Fund Transfer Act ( EFTA ) - 15 U.S.C. 1693g : The EFTA requires that financial institutions notify consumers of unauthorized transactions. This is particularly relevant in cases where a consumers financial information has been used fraudulently. I request that you investigate whether unauthorized transactions have occurred under my name and resolve any associated debt or discrepancies.\n\n*Federal Trade Commission ( FTC ) Identity Theft Report ( 15 U.S.C. 1681c-3 ) : The FTC Identity Theft Report is a crucial document when disputing fraudulent information on your credit report. According to 15 U.S.C. 1681c-3, credit reporting agencies are required to block fraudulent information on the basis of a valid FTC identity theft report. This law underpins my request to remove fraudulent accounts linked to identity theft.\n\n*Fair and Accurate Credit Transactions Act ( FACTA ) of 2003, 15 U.S.C . 1681c-1 : FACTA enhances the rights of identity theft victims by providing a mechanism for blocking fraudulent information from a credit report. Under FACTA, credit reporting agencies are required to block fraudulent information once the consumer has submitted a police report or an FTC identity theft report.\n\n*Consumer Financial Protection Bureau ( CFPB ) Regulations ( 12 C.F.R. 1022.41 ) : The CFPB regulations also enforce the FCRAs rules, including the removal of fraudulent entries from credit reports. According to these regulations, credit reporting agencies must take immediate action once notified of identity theft or fraud.\n\n*Spokeo, Inc. v. Robins , 136 S. Ct. 1540 ( 2016 ) : The Supreme Court ruled that a consumer has standing to sue under the Fair Credit Reporting Act ( FCRA ) even if the injury is intangible, such as the inaccurate reporting of personal data. This case highlights the importance of ensuring the accuracy of information on your credit report and your right to dispute any discrepancies, especially in the context of data breaches.\n\nFurthermore, in the landmark case Spokeo , Inc. v. Robins, 578 U.S. 330 ( 2016 ), the U.S. Supreme Court emphasized the need for accurate reporting and consumer protection under the FCRA. As my personal information has been compromised, I believe the inaccuracies on my credit report represent a clear violation of this precedent, which ensures the integrity and security of credit reporting.\n\n*Safeco Ins. Co. v. Burr, 551 U.S. 47 ( 2007 ) : This case established that consumers are entitled to damages when a credit report is inaccurately reported, even if the violation was not willful. It is a key case reinforcing the legal obligations of credit reporting agencies to report accurate information and respond to consumer disputes.\n\n*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : This case involved a data breach where consumers personal data was stolen. The court ruled that individuals who were at risk of identity theft due to the breach had standing to sue, even if they did not suffer actual financial harm at the time. This case highlights the importance of taking action when personal information is compromised, as potential harm can exist even if no immediate fraud occurs.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This case involved a massive data breach at XXXX XXXX which owned retailers such as TJ Maxx ). The court ruled that individuals whose data was compromised could seek legal remedies for the breach. The case emphasizes that businesses have an obligation to protect consumer data and that consumers are entitled to redress if that data is mishandled or used for fraudulent purposes.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The court ruled that individuals whose personal information is stolen due to a breach have standing to sue if they can demonstrate that the breach exposed them to a heightened risk of identity theft. In the case of disputed credit report items resulting from such breaches, courts have held that the impacted individuals can pursue legal remedies.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : In this case, the court ruled that credit reporting agencies must take proactive steps when dealing with disputes over fraud and identity theft. The case emphasizes that the credit bureaus have an obligation to conduct a thorough investigation when consumers assert that their personal information has been compromised and misused. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The court held that a consumer whose identity was stolen due to a data breach could sue credit bureaus for not properly investigating disputed items resulting from the theft. The case underscores the need for credit bureaus to comply with the FCRAs dispute investigation provisions in cases of fraud resulting from data breaches.\n\n*Sued v. TransUnion LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  This case illustrates that consumers have the right to hold credit bureaus accountable if they fail to correct inaccurate information, including data compromised by breaches. The court ruled that consumers whose information has been misused have standing to challenge the misinformation in court, especially if the bureaus fail to adequately investigate.\n\n*Carmen v. Experian Information Solutions , Inc. , 2015 U.S. DistXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : The court emphasized that credit reporting agencies must reasonably investigate disputes regarding credit report inaccuracies, particularly where fraud or identity theft is suspected. This ruling supports my request for an investigation into fraudulent entries on my credit report.\n\n*Guerrero v. Asset Acceptance , LLC , 2014 U.S. Dist. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The court reiterated that debt collectors must validate a debt when disputed. This case upholds the consumer 's right to request debt validation and provides a framework for requesting the documentation needed to prove the legitimacy of a debt.\n\nIn compliance with the Gramm-Leach-Bliley Act and the Federal Trade Commissions ( FTC ) Red Flags Rule, your company is obligated to protect sensitive personal information and take immediate action in response to any breach. Non-compliance could expose your organization to legal liability under the Identity Theft Enforcement and Restitution Act of 2008.\n\nTherefore, I respectfully request the following : *A detailed explanation of how the breach occurred and the steps your company is taking to prevent further incidents.\n\n*A list of all my accounts and personal information that were potentially exposed due to the breach.\n\n*Documentation of the steps being taken to assist consumers impacted by the breach, including any credit monitoring services provided.\n\nDebt Validation Request : In addition to requesting the removal of fraudulent information, I am also requesting that you validate any debt ( s ) reporting on my credit profile and provide the following documentation : *Payment History : Proof that I owe the debt ( s ), including but not limited to a detailed history of payments made on the account ( s ), listing all credits, debits, and balances.\n\n*Chain of Title : Documentation that verifies the transfer of ownership of the debt, showing that the party attempting to collect the debt has the legal right to do so. This should include a clear chain of title and any evidence of assignment or transfer of the debt. Full chain of Assignment ( FDCPA Sections 809a, 809b, 809c, 809d, 809e ) *Original Contract : I demand the original signed contract that allegedly binds me to this debt, with my signature, to confirm my intent to repay the debt. If no signed contract exists, I request proof of the debts legitimacy. This is particularly critical, as the data breaches Ive outlined above may have resulted in fraudulent activities leading to this debt.\n\n*Insurance Claims : Details of any insurance claims linked to this account, including coverage information or settlements made in relation to the debt claims, and any reimbursements or settlements received.\n\n*Clear Explanation of Fees and Charges : Debt collectors must explain any additional fees or charges that have been applied, such as late fees, interest rates, or collection fees. They must also justify these fees to ensure that they are in line with the original agreement. ( FDCPA Section 808 : Prohibits the collection of charges or fees that are not legally authorized or part of the original agreement. ) *Validation that the Debt is Not Beyond the Statute of Limitations : Debt collectors must verify that the debt is not time-barred. If the debt is too old, the collector may no longer have legal standing to pursue it, and they should cease collection efforts. ( FDCPA Section 808 : Prohibits pursuing time-barred debts. ) Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, you are legally required to provide the requested documentation before pursuing further collection efforts.\n\nRequest for Action : I respectfully request that you take the following actions : Conduct a full investigation into the entries on my credit report, including the debt ( s ) in question, and provide the requested documentation.\n\n1. Remove or correct any fraudulent or inaccurate or incomplete entries as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.\n\n2. Block any fraudulent entries under FCRA Section 605B ( 15 U.S.C. 1681c-2 ) linked to the identity theft resulting from a data breach.\n\n3. Resolve any discrepancies linked to the data breach promptly.\n\nPlease respond in writing with the results of your investigation within the 30-day timeframe set forth by the FCRA. I have enclosed supporting documentation, including the FTC report, CFPB complaint reference, proof of identity, and a copy of other data breaches related to my credit profile along with a copy of all three credit bureaus ' credit freezes. Should you need any additional information, please feel free to contact me directly.\n\nPlease consider this dispute an urgent matter in light of the significant impact the data breaches I have had on my personal and financial information. I request a timely and thorough investigation into the inaccuracies and fraudulent activities linked to these breaches.\n\nThank you for your prompt attention to this matter. I look forward to your swift response.\n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-01T17:47:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20743","tags":null,"has_narrative":true,"complaint_id":"12278501","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-01T17:47:10.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Personal Information : Name XXXX XXXX XXXX XXXX Date of Birth XXXX XXXX XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX Social <em>Security</em> Number : XXXX <em>Nature</em> of <em>Dispute</em> : As you are <em>aware</em>, <em>numerous</em> data breaches have compromised the personal and financial information of millions of consumers. These breaches have led to significant harm and disruptions in the credit profiles of affected individuals, including mine."]},"sort":[5.852559,"12278501"]},{"_index":"complaint-public-v1","_id":"9193310","_score":5.4003277,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Hi my name is XXXX XXXX and I want to file a complaint with FOUND online business banking company who banks through XXXX XXXX. I live in XXXX and could really use someones help and guidance with my bank or be a mediator with my issue at hand here.\nMy account was hacked and taken over on XXXX XXXX after I received a call by someone at approximately XXXX by someone posing to be a spark representative. To give a little backstory before I go into what happened, this person hit my FOUND account first and then moved to my other accounts. First ill explain my three banks so no confusion, FOUND is a business account I get paid through from my job as a house cleaner. XXXX  XXXX XXXX is the bank my XXXX XXXX payments go into from my XXXX  delivery job and BRANCH is the bank XXXX  \"used\" to use as a bank to pay us our drivers payments.I had been going back and forth from Branch and XXXX  recently before this all happened and was having my payments go into there because I like how the app showed us our balance after each transaction purchased. I also had a job as a XXXX XXXX XXXX XXXX XXXX which I don't have anymore but was also having those check deposits go into my XXXX XXXX so I could keep track of the majority of my funds in one place. I also recently moved some funds around as I set up a few savings accounts with XXXX  and pockets with FOUND to make things a little more organized for to my personal liking which is why this timing of this type of hack and scam is very odd to me and almost seemed to me as if this person had prior access or authorization on me, has been spying on me, hacked my phone a while ago or used to work for XXXX  or XXXX XXXX XXXX XXXX  I bank through because I couldn't understand how he knew all the information he did. To begin On XXXX XXXX  all 3 of my bank accounts, email and XXXX  driver portal were all hacked into by this hackster. Nearly XXXX was taken from my XXXX XXXX XXXX XXXX XXXX from my XXXX XXXX  and XXXX from the FOUND account, all stolen via online money transfers.\nThe call came in as XXXX  delivery on my phone at the time and he posed as a XXXX  customer care specialist. This man took everything I had in my account with FOUND and my other two banks while hacking into my email and accessing my emails. He saw my personal emails, work emails, bank emails and somehow knew about my three banks even from the start of the conversation not to mention restricting my internet access while during the call. This call also came at an unusual time period considering just a month or so ago I reported to XXXX  that something odd was happening to my XXXX  XXXX  account because I wasnt getting any orders day in and day out for several months and wondered if there was a possibility of someone either remote accessing my phone, using my account, acting as me or using my app and taking my orders. I didnt know what to come if it and had all kinds of suspicions and theories as to what was happening to my XXXX  XXXX  account. They said it wasnt probable but they would look into it since my ratings were going down without me taking any orders. They said they would follow up with me and not to worry they would get to the bottom of it. Its odd timing only because this man made it sound like thats what he called about and made threatening suspension a likely outcome of my drivers account if I did. Also told me I needed to do a return order on the order I was currently doing because it was canceled and picked up by another driver. He knew of my location telling me to drive to the customers house to attempt order delivery. During the drive he tells me that my XXXX  XXXX XXXX  that I used that XXXX  paid me through was going to be closed and that I needed to stick to using my XXXX XXXX account from now on to be paid from XXXX. He read me my balance that was in there, a total of XXXXXXXX  and said he would transfer that to my XXXX  account and it should arrive in there by the end of the day. Not processing how he had that information or how he could get into my accounts he proceeded to guide me on how to return this order which I would be compensated for. \nAnother thing is he knew about my FOUND business account. He tried asking me for my FOUND password which I couldn't remember anyways so couldn't give him anything to go off. Once I got to Walmart to return the two items, I told him I was there, since he told me to do so the call disconnected or he hung up . I called back with no answer all it did was ring. Immediately then I knew I was scammed because the call was not answered by a XXXX  customer care specialist nor did it have the XXXX  recording at the beginning like they do. I thought well there's no way he could of gotten very far since I didn't give him any valuable information but for some reason I had a bad feeling about the whole thing and instantly I had feared the worst. Called frantically someone I knew that worked at XXXX  to ask them if they thought I had gotten scammed since I wasn't quite able to look at my account since my internet was down and they had said \"yes that sounds scammy hopefully you didn't give them your SSN\" and I just said \"all I gave them was my DOB, email and last four of SSN and never thought they could use that\" . Only banks, work places, healthcare of that nature have your information like that and can verify that with you I thought. I checked into my account with my FOUND account once I was able to get online and he took over XXXX from my account immediately following the call and then proceeded to XXXX  taking out XXXX and then hacked into my email address later on that night around XXXX locking me out so any correspondence from either bank and would go to him. Also Later on that night around same time He changed my personal info in the bank accounts while also hitting my XXXX XXXX around which was the majority of where my money was and left me negative XXXX XXXX XXXX XXXX labeled this an account takeover which was my first hearing of such a thing. \nXXXX XXXX  and my FOUND BUSINESS account has been nothing but difficult with communication at retrieving anything back in correspondence and I have had to do triple the work to get anywhere and having to re-explain everything to everyone each time has been nothing but a timely fiasco taking me away from most everything else in my life. Ive went to supervisors, managers, and then I went directly to the bank they are either partnered with or who they bank through and spoke to their manager and XXXX CEO . Finally I was able to get somewhere with XXXX  as they finally figured out what was going on after multiple escalations to dispute four big transactions to later resolve three of them. They still have yet to dispute another XXXX transaction that they forgot about. They've had to re issue another account takeover and hold my account up for two days while they do a dispute on this charge they should have done months ago but failed to do so or understand. Ive had to countlessly provide lengthy details because there is a lot that is involved but also because they would not understand nor relay information to anyone. This has also been a problem with FOUND and even worse with correspondence or actions to inform me or do what needs to be done to investigate or ask any questions even which is extremely odd almost as if they had their minds made up from the get go and nothing changes even with more information on the case. Ive gotten the same three emails and same three answers regarding their decision in the dispute each time even after more evidence and more explaining as they do not seem to understand either. Ive gotten multiple emails from different people asking to verify my info and then saying \"we haven't heard from you in over two days we will go ahead and close this case then and mark resolved\" after I emailed them more than ample times, also telling them all my points of contact when they would email me from all the different emails I had to make. This just shows how unorganized they are while not communicating with one another. No one gets back to questions I have or comments I make about their email. I had explained on multiple accounts that \"I had to change my email, this is my knew XXXX\" and its as if they never see what comes through from me. The emails Ive gotten always say the same thing too at the end after all my work I put in to gathering my evidence and sending it to each individual person, even XXXX  from the bank they bank through XXXX XXXX),I had sent all my evidence to on. First contact with her was on XXXX XXXX  . Then a supervisor by the name of XXXX XXXX  asked for the decision on the dispute be reconsidered on XXXX  and that's when I sent the really pertinent information over that showed XXXX  database of that specific order I was doing at the time this all happened and the name of the customer (as he (the hacker) has placed many of these two item orders before) all of which get canceled. How he uses the same fake name with multiple cards. I tried explaining that the customer shown is the person that called me and hacked me. That he is creating these fake orders to get drivers contact info and tries to trick them to do this return all while threatening suspension and then sending a code to their phone to be verified by the driver. That this has not only happened to me, that XXXX  has had complaints from multiple drivers of this happening to them. This was on the news, on XXXX  posts, all over online, XXXX  forums and he does this all over the country. I fell victim to it and they wont even reconsider me or my plea, the only email I get from this XXXX XXXX XXXX explains, \"the nature of the payment in question is an instant withdrawal via a linked debit card, in order for payments of this nature to process they must be initiated from directly within your FOUND account while verifying the pin associated with you account (which is not true because I have never come across this in the past) and that there is no indication that it was compromised prior to these transactions\".\" There were no new devices that gained access to your account therefore ruling out your account was compromised\". I feel like there is something hindering FOUND from giving the money back to me that either they dont understand what has happened STILL and why it is that they wont even credit me during the process of the investigation nor give timelines or act on their word or follow through with follow ups, and have it go way past timelines or they frankly dont want to pay the money. They have not done anything they are supposed to do as a bank should do. From my understanding they are a pretty new online banking system. \n All I can say is theyve been nothing but resistant and shut me down each time. Im at a point in which I dont know where else to turn or who to turn to since they have made it impossible to communicate anything at all. I am to the point of wanting to file a lawsuit against their company or organization and thought it would be in my best interest to start here first if anything. I cant let this go without trying everything I can to retrieve what was stolen. That was all my hard earned money and for them to deny my tireless attempts as if I have nothing better to do feels as though my words are falling on deaf ears as my plight to recover the stolen funds go unresolved . I am a busy person and this has taken all of my time apart from work since this whole thing happened.\nA total of all funds from all the banks was well over XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in all accounts from transactions I did not allow and no one was given access to by me and somehow this person hacked into them, transferred money somehow and left me penniless without a way to pay for anything. This was the last I ever spoke to this fraudster/ hacker criminal. The number that came up was an XXXX  number (XXXX) when the call ended but said Spark delivery on it when it came through. So I was assuming that is where the call came from. I have all the evidence you could need all I need is someone willing to hear me out, take my statements and evidence into consideration, and take the time to do the work as I have been.Someone that will have my back and protect my finances and losses as I have read their are certain protections in place for consumers and bank customers like me from banks that are not out to protect their own customers and frankly don't care. That I have rights too all I need is someone to go up to bat for me. _W_H_A_T_ The bank I want to file a complaint with while also reporting this hack/scam is now with _W_H_O_ FOUND Date of transactions needing to dispute are on:\n_W_H_E_N_ XXXX XXXX XXXX XXXX XXXX withdrawal XXXX XXXX from taxes pocket in the amount of XXXX XXXX XXXX withdrawal from primary to XXXX XXXX XXXX XXXX XXXX  then a withdrawal to visa debitXXXX XXXX XXXX XXXX XXXX XXXX\nThere was an Attempted transaction oXXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhat did not go through placed in XXXX XXXX then a:\nTransaction of : XXXX pocket transfer to primary on XXXX  @ XXXX and then:\nanother pocket transfer of: XXXX XXXX XXXX XXXX XXXX XXXX XXXX and then a:\nTransaction of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX location New York \nthen a : instant transfer of XXXX to XXXX XXXX XXXX XXXX XXXX XXXX\n\n_W_H_E_R_E_ scam/hack happened in Missouri : FOUND - no location /online bank - Bank through: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\n_H_O_W_ By scam/hack/fraudster/impersonator/ IdentityTheft/ cyber crime\n_W_H_Y_Stolen funds/account takeover/unauthorized transactions/bank being uncooperative in retrieval, not investigating further of transactions and their destination\n\n FOUND bank was made aware as soon as I could talk to them the following business day XXXX since this all happened at night. I immediately froze the account on XXXX  because This person gained full access to it and they were and are still unwilling to listen to anything I had to say nor would look at my emails or attend my calls. \nThey didnt provide me with any information on what to do or what will happen, just froze my account to then later find out that I wasnt able to reach them over the phone with an automated message stating that because of the freeze they are unwilling to take my call. This went on for some period of time to then later still being unable to talk to anyone even after the account was unfrozen. They set a new recording up following that stated that all disputes will be handled through email and that they don't take calls regarding disputes, which was not in place before this incident happened. I needed to promptly speak to them as I had to make them aware that this hacker was changing my account info to a different phone number and email address (XXXX XXXX XXXX) and that I needed it changed back to mine so I can access my account again and regain some form of control back. The day of XXXX XXXX I made sure that they knew that if they got any call or email not from these said contacts of mine that they were not me since I didn't have control over my account anymore and didn't want them not believing me or not knowing who was the right owner of the account. Another thing is they hadn't set any further measures in place to verify my identity for that matter to know they were speaking to the right person. Who was to know if this person would call and contact FOUND reversing any measures I had put in place. \nIt almost feels as if they are the ones at fault here as I didn't receive any alert or notification of transactions or even fraud alert and the destination of where these transactions were sent was in New York. I find it kind of funny and a major coincidence that FOUNDS bank (XXXX) is located in New York. What are the odds? Again Ive sent them numerous documentation and photos, screenshots , evidence upon evidence. Ive never made transactions of this nature with this bank of mine nor with any of my other banks and FOUND doesn't even consider that odd or fishy?\nI have police report that I filled immediately stating the facts and have multiple evidence based reports of this crime and the incident this man is posing on innocent people. I am not the only one. So case in point I got scammed had only verified with the man my DOB and last four of my social and name and email.This scam has shown to wreak havoc on peoples lives and the money they take from people. I have been trying to work with FOUND since XXXX  and they continue to turn a blind eye on the situation as I am shedding light on it. I am just as puzzled about this whole thing as anyone and certainly don't understand how something like this can happen and feel like its partly the banks negligence, lack of security, verification set up and protocols put in place when things like this happen. Proper verification processes and means of protecting my funds could have possibly prevented such from happening. By the next day though it was already too late at that time for the freeze to even have made a difference. I changed my account number too but again too late. If I was alerted at first when these occurred I could have saved more transactions from happening.Them not following protocol or following up right away could have made a big difference but no they allowed so much time to pass by and for it to be forgotten about and the matter to have not been dealt with a sense of urgency and time sensitive things could have resulted different but Found only gets back to me when its most convenient for them after multiple attempts of communication and reaching out. I have more than enough evidence and have a full on case in which the police are trying to catch these people who are still doing this.","date_sent_to_company":"2024-06-07T11:38:08.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"656XX","tags":null,"has_narrative":true,"complaint_id":"9193310","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Indie Technology DBA Found","date_received":"2024-06-07T10:59:26.000Z","state":"MO","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["They set a new recording up following that stated that all <em>disputes</em> will be handled through email and that they don't take calls regarding <em>disputes</em>, which was not in place before this incident happened. I needed to promptly speak to them as I had to make them <em>aware</em> that this hacker was changing my account info to a different phone number and email address (XXXX XXXX XXXX) and that I needed it changed back to mine so I can access my account again and regain some form of control back."]},"sort":[5.4003277,"9193310"]},{"_index":"complaint-public-v1","_id":"18078721","_score":5.2839594,"_source":{"product":"Checking or savings account","complaint_what_happened":"# # COMPLAINT FORM - COMPLETE ANSWERS # # # * * Question 1 : Have you already tried to fix this problem with the company? * * * * Answer : YES * * * * Detailed Response to Include : * * \" Yes, I have attempted multiple remedies with both Chime and XXXX XXXX : * * Attempts with XXXX XXXX ( The Merchant ) : * * - Contacted XXXX XXXX support team regarding unauthorized duplicate accounts - Received official response ( XX/XX/year> ) confirming account verification rejection and permanent account lock - Requested refunds for fraudulent charges - No satisfactory resolution provided by merchant * * Attempts with Chime ( The Financial Institution ) : * * - Filed initial dispute in XX/XX/year> - Chime DENIED the dispute on XX/XX/year> - Immediately re-filed with complete documentation as Dispute # XXXX on XX/XX/year> - Currently in active investigation ( status : In Progress ) - Uploaded XXXX files of supporting documentation The merchant has not provided refunds, and Chime 's initial response was denial. I am now in the rebuttal and appeal process with Chime. '' * * * # # # * * Question 2 : Did you request information from the company? * * * * Answer : YES * * * * Detailed Response to Include : * * \" Yes, I specifically requested the following information from both XXXX XXXX and Chime : * * From XXXX XXXX ( Merchant ) : * * 1. Proof of account verification completed with legal identification 2. Explanation of how duplicate accounts were created under my name 3. Authorization documentation for each disputed transaction 4. Reason for permanent account lock 5. Refund for all unauthorized charges * * From Chime ( Financial Institution ) : * * 1. Explanation of why the original dispute was denied 2. Full documentation of their investigation 3. Reconsideration of the denial with new evidence 4. Status of current dispute # XXXX XXXX. Timeline for dispute resolution * * Documentation Received : * * - XXXX XXXX  provided an official support email ( XX/XX/year> ) confirming account issues but did NOT provide refunds or satisfactory resolution - Chime has not yet provided a written explanation of their original denial, though they have acknowledged the new dispute and are investigating '' * * * # # # * * Question 3 : What information did you request? ( Optional ) * * * * Answer ( Detailed List ) : * * \" I specifically requested the following categories of information : * * Account Verification & Compliance Information : * * - Proof that legal identification verification was completed before any charges were processed - Account verification status and dates - Identity verification compliance documentation ( KYC records ) - Account creation and activation records- Verification method and completion proof * * Fraudulent Activity Investigation : * * - Investigation of how duplicate accounts were created under my name - Security assessment of account compromise - Timeline of when duplicate accounts were discovered - Account creation IP addresses and timestamps- How unauthorized duplicate accounts were allowed to operate * * Transaction Authorization Documentation : * * - Written authorization for each of the XXXX  disputed transactions - Digital signatures or explicit customer consent records- Proof that customer explicitly authorized each charge - Terms and Conditions acceptance verification - Payment authorization records * * Account Restriction & Lock Details : * * - Reason for permanent account lock - Date decision to lock accounts was made - Retroactive review of account status at time each charge was processed - Policy violations documented - Terms and Conditions violations detailed * * Refund & Remediation : * * - Full refund for all fraudulent charges - Refund processing timeline - Account cleanup ( duplicate account removal ) - Compensation for fraudulent activity - Prevention measures to stop future unauthorized charges * * Regulatory Compliance : * * - Merchant account verification policies and procedures - Duplicate account prevention protocols- Payment processing compliance documentation - Chargeback and reversal procedures- Dispute investigation procedures followed '' * * * # # # * * Question 4 : Did the company provide this information? * * * * Answer : NO * * ( Select the \" NO '' option ) * * Detailed Response to Include : * * \" No, the company did NOT provide the information necessary to resolve this dispute.\n\n* * What XXXX XXXX DID Provide : * * - Official support email ( XX/XX/year> ) confirming : - Account verification was REJECTED - Multiple duplicate accounts were discovered- All accounts were PERMANENTLY LOCKED - Terms violations occurred * * What XXXX  XXXX  DID NOT Provide : * * - Proof of account verification ( they admit verification was rejected ) - Authorization documents for any transaction - Explanation of how duplicate accounts were created - Refund or compensation for fraudulent charges - Security investigation or account compromise report - Any satisfactory resolution * * What Chime DID Provide : * * - Dispute case number ( # XXXX ) - Request for additional documentation - Status update ( Agent investigating ) * * What Chime DID NOT Provide : * * - Written explanation of original denial ( XX/XX/year> ) - Written investigation findings- Provisional credit ( {$1200.00} ) - Resolution or refund ( case still in progress ) - Detailed response to appeals * * Critical Finding : * * Fortune Coins provided information that VALIDATES my fraud claim but did NOT provide refunds or resolution. In fact, their support email PROVES the charges were fraudulentthey admitted : 1. Account verification was REJECTED 2. Duplicate FRAUDULENT accounts existed 3. ALL accounts were PERMANENTLY LOCKED * * Yet despite this admission of fraud from the merchant, neither XXXX XXXX nor Chime has provided the critical information needed for resolution : A REFUND. * * * * Conclusion : * * The companies have not provided satisfactory information or resolution. The information they DID provide actually proves my fraud claim. Therefore, I am escalating to the CFPB for investigation and enforcement. '' * * * # # COMPLETE SUMMARY TABLE | Question | Answer | Status | | -- -- -- -- -- | -- -- -- -- | -- -- -- -- | | Tried to fix with company? | * * YES * * | Contacted both XXXX XXXX  and Chime multiple times | | Requested information? | * * YES * * | Specific, documented requests for verification and authorization | | What information requested? | * See detailed list * | Account verification, transaction authorization, refund details | | Company provide info? | * * NO * * | They provided admissions of fraud but NOT resolution | * * * # # STATEMENT TO INCLUDE WITH CFPB SUBMISSION * * '' Although both XXXX XXXX and Chime have provided limited information confirming the fraudulent nature of my accounts, neither company has provided the essential information required for resolution : proof of transaction authorization, account verification documentation, or a refund of fraudulent charges. * * * * In fact, XXXX XXXX ' own support email proves that : * * - Account verification was REJECTED - Multiple duplicate accounts were fraudulently created- ALL accounts were PERMANENTLY LOCKED * * Despite this clear evidence of fraud provided by the merchant themselves, I have received : * * - NO refunds from XXXX  XXXX  - NO satisfactory resolution from either company - NO adequate explanation of Chime 's original dispute denial * * I have attempted every reasonable remediation with both companies. Both have failed to provide adequate information or resolution. Therefore, I am escalating to the CFPB for investigation. * * '' * * * # # CRITICAL POINTS FOR CFPB These answers establish : * * I made good-faith efforts * * to resolve with the companies * * I specifically requested essential information * * they should have provided * * The companies failed to provide adequate information or resolution * * * * The merchant 's own communications prove fraud * * * * I have exhausted all reasonable remedies * * * * Escalation to CFPB is justified and necessary * * This positions your complaint perfectly for CFPB investigation and enforcement action against Chime for : - Improper dispute denial - Failure to investigate adequately - Violation of Regulation E And against XXXX XXXX  for : - Fraudulent merchant practices - Account verification failures - Unauthorized duplicate account creation More information # CFPB COMPLAINT : Chime Dispute # XXXX # # Consumer Financial Protection Bureau Complaint Form -- - # # COMPLAINT INFORMATION * * Filing Date : * * XX/XX/year> * * Your Name : * * XXXX XXXX * * Your Email : * * XXXX * * Complaint Type : * * Billing disputes and problems * * Sub-Category : * * Dispute over a bill or service I didn't authorize -- - # # COMPANY INFORMATION * * Primary Company : * * Chime ( XXXX XXXX XXXX XXXXXXXX XXXX / XXXX XXXX, XXXX. ) * * Company Address : * * XXXX XXXX XXXX, XXXX XXXX, CA XXXX * * Secondary Company Involved : * * XXXX XXXX  ( XXXX  ) * * Issue Date ( s ) : * * XX/XX/XXXX XX/XX/year> * * Dispute Case Number : * * # XXXX -- - # # DETAILED COMPLAINT NARRATIVE * * What happened : * * I submitted a formal dispute to Chime ( Dispute # XXXX ) on XX/XX/year>, for unauthorized charges totaling {$1200.00} USD from XXXX XXXX ( XXXX ). This dispute involves XXXX transactions processed between XX/XX/XXXX and XX/XX/year>. \n\n* * Why these charges are fraudulent and unauthorized : * * On XX/XX/year>, XXXX XXXX ' support team sent me an official email stating : \" Upon reviewing your account, we discovered numerous duplicate accounts under your name. We regret to inform you that we will no longer continue the account verification. We will now reject your account verification application. All accounts under your name have been permanently locked. '' This email proves : 1. My accounts were never legitimately verified with proper legal identification 2. Duplicate/fraudulent accounts existed under my name without my authorization 3. All accounts were permanently locked by the merchant 4. Therefore, all transactions processed on these unverified and later-locked accounts are fraudulent and unauthorized * * Pattern of merchant fraud : * * I have also successfully disputed charges from the same merchant ( XXXX XXXX ) through XXXX. Multiple XXXX disputes were closed in my favor, demonstrating a pattern of problematic practices by XXXX XXXX. The charges I am now disputing with Chime represent the same pattern : charges processed on unverified or compromised accounts. \n\n* * Evidence provided to Chime : * * I submitted XXXX files of documentation to Chime, including : - XXXX XXXX  ' official support email confirming account lock and verification rejection - All transaction confirmation emails from XXXX XXXX- XXXX dispute screenshots showing prior successful disputes against XXXX XXXX- Complete transaction history with dates, amounts, and transaction IDs- Bank records showing all charges * * Why this matters : * * Chime is responsible for handling this dispute fairly and thoroughly. The merchant 's own email proves these accounts were unverified and compromised. Chime should reverse all charges on these accounts, as they were processed on invalid accounts that the merchant itself has confirmed were never properly verified. \n-- - # # SPECIFIC COMPLAINT ISSUES * * Complaint Issue 1 : Failure to Investigate Authorized Disputed Charges * * * * Details : * * Chime received my dispute for unauthorized charges but has not yet resolved them ( case still marked \" In progress '' as of XX/XX/year> ). The evidence clearly shows these charges should be reversed immediately, as XXXX XXXX ' own email proves the accounts were unverified and later permanently locked. \n-- - * * Complaint Issue 2 : Merchant Account Verification Failure * * * * Details : * * XXXX XXXX allowed charges on accounts that were never properly verified with legal identification. When I requested refunds, their support team confirmed accounts were unverified and locked. Chime should hold XXXX XXXX  accountable for processing charges on unverified accounts. \n-- - * * Complaint Issue 3 : Pattern of Merchant Fraud Not Addressed * * * * Details : * * I have successfully disputed charges from XXXX XXXX through XXXX multiple times. Chime should be aware that this merchant has a documented history of fraudulent transactions across multiple payment platforms. My current dispute is part of this ongoing pattern. \n-- - # # REQUESTED RELIEF/RESOLUTION 1. * * Immediate reversal of all disputed charges : * * {$1200.00} USD 2. * * Full refund to my Chime account * * for all XXXX XXXX transactions 3. * * Chime should terminate its relationship with XXXX XXXX * * as a merchant due to pattern of fraudulent transactions 4. * * Investigation into whether XXXX XXXX violated payment processing agreements * * regarding account verification requirements 5. * * Chime should flag XXXX XXXX in their merchant database * * as a high-risk merchant with documented fraud history -- - # # TRANSACTION DETAILS | Date | Merchant | Amount | Transaction ID | Status | | -- -- -- | -- -- -- -- -- | -- -- -- -- | -- -- -- -- -- -- -- -- -| -- -- -- -- | | XX/XX/year> | XXXX | {$140.00} | XXXX | Disputed | | XX/XX/year> | XXXX | {$190.00} | XXXX | Disputed | | XX/XX/year> | XXXX | {$290.00} | XXXX | Disputed | | XX/XX/year> | XXXX | {$190.00} | ( from transaction list ) | Disputed | | XX/XX/year> | XXXX | {$1.00} | ( from transaction list ) | Disputed | | XX/XX/year> | XXXX | {$7.00} | ( from transaction list ) | Disputed | | XX/XX/year> | XXXX | {$4.00} | ( from transaction list ) | Disputed | | XX/XX/year> | XXXX  | {$1.00} | ( from transaction list ) | Disputed | | XX/XX/year> | XXXX | {$290.00} | ( from transaction list ) | Disputed | | XX/XX/year> | XXXX | {$74.00} | XXXX | Disputed | | XX/XX/year> | XXXX | {$290.00} | XXXX | Disputed | * * Total Disputed Amount : {$1200.00} USD * * -- - # # KEY EVIDENCE SUPPORTING COMPLAINT # # # Evidence 1 : XXXX XXXX Support Email ( Critical ) * * Date : * * XX/XX/year>, XXXX PM * * From : * * XXXX * * Subject : * * Account Verification Status * * Full Email Content : * * \" Hi XXXX, Upon reviewing your account, we discovered numerous duplicate accounts under your name. We regret to inform you that we will no longer continue the account verification. \n\nWe will now reject your account verification application. All accounts under your name have been permanently locked. \n\nWhen you created an account on XXXX XXXX, you explicitly agreed to our Terms and Conditions. [ Link to T & Cs ] Please take note of the following section : - A check can only be issued to an open and operative Account, Operating one or opening duplicate Accounts may lead to the censure of all of your Accounts and render you ineligible.\n\nIf, however, please be aware that if you misuse your access in the future, they will also be banned. \n\nKind Regards, XXXX Customer Support Representative Get answers XXXX '' * * Why this is critical : * * This email proves XXXX XXXX : 1. Confirmed unverified accounts 2. Discovered duplicate/fraudulent accounts under my name 3. Rejected account verification 4. Permanently locked ALL accounts under my name 5. Admitted I should not have been able to operate multiple accounts This email alone proves all transactions were unauthorized and should be reversed. \n\n-- - # # # Evidence XXXX : XXXX Dispute Confirmations * * Multiple successful disputes closed in your favor against XXXX XXXX : * * - XXXX - {$190.00} USD ( Case Closed ) - XXXX - {$140.00} USD ( Case Closed ) - XXXX - {$290.00} USD ( Case Closed ) * * Why this matters : * * This demonstrates a pattern of XXXX XXXX processing fraudulent or unauthorized charges. XXXX has already determined similar charges were invalid, yet Chime has allowed the same merchant to continue charging the same account. \n\n-- - # # # Evidence 3 : Multiple Transaction Confirmations All transactions show XXXX XXXX  processed charges successfully on accounts that were later confirmed to be unverified and fraudulent. The confirmations themselves prove the merchant accepted charges knowing verification procedures were incomplete. \n\n-- - # # MERCHANT RESPONSE ANTICIPATED XXXX XXXX will likely claim : - \" Digital goods were delivered '' - \" Customer authorized the purchases '' - \" We don't require verification for virtual currency '' * * Why these arguments fail : * * - Their own support email proves accounts were unverified and locked - Unverified accounts = unauthorized charges - Their own terms state operating duplicate accounts violates their policy - XXXX has already ruled against them on similar charges - Chime holds merchants responsible for verification failures -- - # # PREVIOUS CONTACT WITH COMPANIES * * Chime Contact : * * - Submitted formal dispute : XX/XX/year> - Dispute Case # XXXX - Status : In progress / Agent investigating - Uploaded XXXX files of documentation * * XXXX XXXX Contact : * * - Received their support email confirming account lock : XX/XX/year> - No response to subsequent inquiries about refunds - Merchant has not addressed the fraudulent account issue -- - # # COMPLAINT AGAINST * * Primary : * * Chime ( and associated banks : The XXXX XXXX  XXXX XXXX. / XXXX XXXX, XXXX. ) * * Secondary : * * XXXX XXXX ( XXXX )- for fraudulent transaction processing -- - # # WHY I'M FILING THIS COMPLAINT I am filing this CFPB complaint because : 1. * * Chime is not moving quickly enough * * to resolve obvious fraud ( case marked \" In progress '' as of XX/XX/year> ) 2. * * The evidence is overwhelming and undisputed * * XXXX XXXX  ' own email proves the fraud 3. * * Pattern recognition failure * * Chime should be aware XXXX XXXX has prior XXXX disputes, yet allowed continued transactions 4. * * Consumer protection failure * * A major issue with Chime 's dispute process is that it allows merchants to continue processing charges on flagged accounts 5. * * Accountability requirement * * Chime needs to understand this merchant represents ongoing fraud risk to their customers -- - # # SUPPORTING DOCUMENTS Please attach to this CFPB complaint : 1. * * XXXX XXXXs Support Email * * ( XX/XX/year> ) MOST CRITICAL 2. * * Chime Dispute Confirmation * * showing case # XXXX XXXX. * * XXXX Dispute Screenshots * * showing successful prior disputes XXXX. * * All transaction confirmations * * from XXXX XXXX 5. * * Bank statements * * showing the charges 6. * * Screenshots of the XXXX files uploaded * * to Chime 's dispute portal -- - # # AUTHORITY & LEGAL BASIS * * Regulations violated : * * - Regulation E ( Electronic Fund Transfers ) 12 CFR 1005 - Regulation Z ( Truth in Lending ) 12 CFR 1026 - Dodd-Frank Wall Street Reform Act Consumer Financial Protection Bureau jurisdiction - Payment Card Network Rules ( XXXX  ) regarding merchant account verification * * Merchant violation : * * - XXXX XXXX violated Payment Card Association rules by processing transactions on unverified accounts - XXXX XXXX violated their own Terms and Conditions * * Bank responsibility : * * - Chime ( and underlying banks ) must properly investigate and resolve unauthorized transaction disputes - Chime is responsible for ensuring merchants comply with verification requirements -- - # # TIMELINE OF EVENTS - * * XX/XX/XXXX XX/XX/year> : * * Fraudulent charges processed on unverified XXXX XXXX accounts - XXXX XXXX XX/XX/year> : * * XXXX XXXX  support confirms accounts unverified and permanently locked - * * XX/XX/year> : * * Original dispute with Chime denied ( based on dispute list screenshot ) - * * XX/XX/year> : * * Filed new dispute # XXXX with Chime - * * XX/XX/year>, XXXX XXXX  : * * Chime requested additional documentation - * * XX/XX/year>, XXXX XXXX  : * * Filing this CFPB complaint -- - # # CONSUMER CONTACT INFORMATION * * Name : * * XXXX XXXX * * Email : XXXX XXXX XXXX * * Account Number : * * ( Your Chime account number mask last 4 digits if preferred : XXXX XXXX XXXX XXXX XXXX ) * * Dispute Case Number : * * # XXXX -- - # # STATEMENT OF TRUTH I certify that the information provided in this complaint is true and accurate to the best of my knowledge. I am the account holder named above and have personally reviewed all evidence supporting this complaint. I am filing this complaint in good faith to protect myself and other consumers from XXXX XXXX ' fraudulent practices. \n\n* * Signature : * * XXXX XXXX * * Date : * * XX/XX/year> XXXX","date_sent_to_company":"2025-12-16T17:22:01.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"463XX","tags":null,"has_narrative":true,"complaint_id":"18078721","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-12-16T16:52:31.000Z","state":"IN","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Chime should hold XXXX XXXX  accountable for processing charges on unverified accounts. \n-- - * * Complaint Issue 3 : Pattern of Merchant Fraud Not Addressed * * * * Details : * * I have successfully <em>disputed</em> charges from XXXX XXXX through XXXX multiple times. Chime should be <em>aware</em> that this merchant has a documented history of fraudulent transactions across multiple payment platforms."]},"sort":[5.2839594,"18078721"]},{"_index":"complaint-public-v1","_id":"7490965","_score":5.106681,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"PART ( 2 ) adding on from part 1 [ DISCOVER ] *******Another critical provision of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c ( b ) - Communication with third parties. This section is of great significance, and I believe its crucial that Discover understands its implications. 15 U.S. Code 1692c ( b ) - Communication with third parties : The FDCPA explicitly states that, without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector, including Discover, may not communicate with any person other than the consumer, their attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. While I represent myself in this matter, it is essential that Discover fully comprehends the scope of this provision. Any communication with third parties not covered by the exceptions outlined in the FDCPA constitutes a violation of my rights as a consumer. I urge Discover to promptly review its practices and ensure strict compliance with 15 U.S. Code 1692c ( b ). Violations of this provision can have severe legal consequences, and I am committed to protecting my rights as a consumer. I have identified numerous violations of 15 U.S. Code 1692d, which explicitly forbids harassment or abuse in the context of debt Consumers : ** Your actions, including disclosing my personal information in the context of debt collection, resemble the prohibited publication of a list of consumers who refuse to pay debts, as outlined in 1692d ( 3 ). **Advertisement for Sale of Debt : ** The manner in which you've pursued payment, including threats and coercion, could be construed as an attempt to advertise the sale of the debt, contravening 1692d ( 4 ). I have thoroughly reviewed your debt collection practices, and it has come to my attention that there are numerous violations concerning the Telephone Consumer Protection Act ( TCPA ), as stipulated in 47 U.S.C. 227. The TCPA establishes strict regulations regarding telemarketing calls, auto-dialing systems, and unsolicited facsimile advertisements, among other things. Each violation of the TCPA can result in penalties of up to {$1500.00} per violation. Upon reviewing your actions, it has become evident that you have consistently engaged in practices that run afoul of the TCPA. 2. Failure to Obtain Consent : The TCPA mandates that prior express consent must be obtained before initiating any telemarketing calls or sending unsolicited facsimile advertisements. It appears that you have not consistently obtained this required consent. 3.Lack of Opt-Out Mechanisms : The TCPA also requires that telemarketing calls provide recipients with an easy means to opt out of future communications. It is evident that your communications have not consistently included these opt-out mechanisms. 4. Calling Without Prior Consent : Your actions show that you have made numerous calls without the requisite prior consent, constituting violations of the XXXX. Given the severity of TCPA violations and the potential penalties of up to {$1500.00} per violation, it is crucial that you rectify these violations immediately. I strongly urge you to cease these practices and take corrective action promptly to avoid further consequences. I am acutely aware of the numerous violations concerning 15 U.S. Code 1666a - Billing Error Resolution that Discover has committed against me through their correspondence and billing practices. The law is explicit about the obligations of creditors, especially when an obligor has reported a billing error. These violations include : 1. Failure to Acknowledge Billing Errors Promptly : Discover has consistently failed to acknowledge billing errors promptly upon receipt of written notice. The law stipulates that creditors should acknowledge such notices within thirty days.\n\n2. Failure to Make Appropriate Corrections : Instead of making appropriate corrections in response to reported billing errors, Discover has often chosen to continue collection activities without the requisite corrections or clarification. The law mandates that creditors must correct billing errors within XXXX complete billing cycles or no later than XXXX XXXX. Lack of Transparency in Providing Documentation : When a billing error is reported, Discover has failed to provide adequate explanations, clarifications, or copies of documentary evidence as required by law. This lack of transparency infringes upon my rights as a consumer. 4. Continued Collection Efforts Despite Billing Errors : Discovers continued collection efforts following reported billing errors, without adhering to the required procedures for resolution, constitute a significant violation of this law. 5. Restricting or Closing Accounts Prematurely : The law prohibits creditors from restricting or closing accounts solely due to an obligors failure to pay the amount indicated to be in error. However, Discover has not consistently followed this mandate. 6. Failure to Forfeit Rights After Noncompliance : Discover has failed to forfeit its right to collect the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) when it does not comply with the laws requirements. Under the law, creditors may forfeit this right, and any finance charges thereon, except that the amount required to be forfeited may not exceed {$50.00}. It has come to my attention that Discover you have acted in a manner that violates the FDCPA. Specifically, these violations relate to 15 U.S. Code 1692b ( 5 ) and 15 U.S. Code 1692e ( 11 ) of the FDCPA. 15 U.S. Code 1692b ( 5 ) - Acquisition of Location Information : I have reason to believe that Discover has communicated with parties not expressly permitted under this section of the FDCPA. Such actions raise concerns about compliance with federal law and the safeguarding of my rights as a consumer. It is imperative that communications pertaining to debt collection strictly adhere to the statutory guidelines set forth in the FDCPA.\n\n15 U.S. Code 1692e ( 11 ) - False or Misleading Representations : There is also evidence that Discover has engaged in communications that are perceived to me as misrepresentations, particularly implying that certain communications were from an attorney, which may not have been the case. The FDCPA explicitly prohibits such false representations. I draw your attention to a matter of potential concern regarding the use of your corporate logo on certain correspondence sent to me, which may be a violation of the Fair Debt Collection Practices Act ( FDCPA ). In the recent correspondence received from Discover Financial Services, I have noted the prominent display of your corporate logo. While I understand the importance of branding and corporate identity, it has come to my attention that such usage on correspondence related to debt collection may contravene the provisions of the FDCPA, specifically 15 U.S. Code 1692e ( 5 ). 15 U.S. Code 1692e ( 5 ) - Use of Symbols or Language Indicating Debt Collection : This section of the FDCPA explicitly prohibits the use of any language or symbol on envelopes or within the contents of communication that indicates the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The intent of this provision is to ensure that consumers are not misled or intimidated by the appearance of debt-related correspondence. The prominent use of your corporate logo on correspondence, which is unmistakably linked to the collection of a debt, raises many violation concerns about compliance with this provision of the FDCPA. It is imperative that debt collection communications adhere to the spirit and letter of the law to safeguard the rights and interests of consumers.I emphasize that my intention in bringing this matter to your attention is not merely to highlight a potential violation but also to ensure that debt collection practices are conducted ethically and in strict compliance with federal law. Attention, a matter that raises concerns regarding potential violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically pertaining to 15 U.S. Code 1692e ( 11 ). 15 U.S. Code 1692e ( 11 ) - Failure to Disclose Debt Collection Status : This section of the FDCPA mandates that debt collectors must disclose, both in the initial written communication with the consumer and in the initial oral communication if the initial contact is oral, that they are attempting to collect a debt and that any information gathered during this process will be used for that purpose. Furthermore, it stipulates that in subsequent communications, it is essential to disclose that the communication is from a debt collector, except for formal pleadings made in connection with a legal action. I have received numerous communications from Discover Financial Services, which are considered attempts to collect a debt, yet these communications have consistently lacked the required disclosure that they are from a debt collector. This is a critical omission that could led to misunderstandings and violations of consumers rights under the FDCPA. It is imperative that debt collection communications fully comply with the provisions of the FDCPA to ensure transparency and protect the rights of consumers. Even if the absence of the specific phrase debt collector is argued, it remains essential that consumers are aware that the communication pertains to debt collection, as mandated by the law. This is a violation of 15 U.S. Code 1692e ( 11 ). All communications, both past and future, should unmistakably convey the nature of the communication as being related to debt collection. My intent in raising this concern is to ensure that Discover Financial Services adheres to the FDCPAs principles and provides consumers with clear, honest, and legally compliant debt collection communications. a Attention, another matter that raises concerns regarding potential violations of the Fair Debt Collection Practices Act ( FDCPA ), particularly related to 15 U.S. Code 1692f - Unfair Practices. 15 U.S. Code 1692f - Unfair Practices : This section of the FDCPA explicitly prohibits the use of unfair or unconscionable means to collect or attempt to collect any debt. It outlines several specific practices that are considered violations. Here are some of the key violations I have observed : ( XXXX ) Unauthorized Collection Amounts : I have received communications from Discover Financial Services that include claims for amounts beyond the principal debt. These additional amounts, including interest, fees, charges, or expenses, were not authorized legally. It is in violation of the FDCPA. ( XXXX XXXX XXXX XXXX XXXX : Discover Financial Services has allegedly accepted checks and other payment instruments that were postdated by more than five days. However, I was not provided with written notification of your intent to deposit these instruments as required by law. This lack of notification is seen as a violation of 15 U.S. Code 1692f ( 2 ). In your communications, Use of Language or Symbols on Envelopes : Discover Financial Services has used language or symbols on envelopes when communicating with me that do not comply with the FDCPAs guidelines. Specifically, using anything other than your address on envelopes could be considered a violation of 15 U.S. Code 1692f ( 8 ). It is essential to reiterate that adherence to the FDCPA is paramount in ensuring fair and ethical debt collection practices that protect consumers rights and interests. I am aware that under the FDCPA, each violation may incur a penalty of up to {$1000.00}. However, my primary objective is to foster compliance and ethical conduct, rather than seeking penalties. I encourage Discover Financial Services to rectify these potential violations and commit to transparent, lawful debt collection practices. 15 U.S. Code 1692g - Validation of Debts : This section of the FDCPA mandates certain actions and disclosures by debt collectors to ensure transparency and fairness in the debt collection process. It is imperative for Discover Financial Services to be in full compliance with these requirements.\n\nHere are some of the key violations I have observed : ( a ) Notice of Debt ; Contents : Discover Financial Services failed to provide the required written notice to me within five days after the initial communication in connection with the collection of the debt. The notice must include specific information such as the amount of the debt, the name of the creditor, and a statement of my rights to dispute the debt. This omission may constitute a violation of 15 U.S. Code 1692g ( a ). ( b ) Disputed Debts : Upon my written request within the thirty-day period as described in subsection ( a ), Discover Financial Services was obligated to cease collection activities related to the debt until verification of the debt or other requested information was provided. Despite my written request, collection activities persisted, which is a violation of 15 U.S. Code 1692g ( b ). Regarding the XXXX of XXXX in your correspondence. I want to bring to your attention a matter that directly affects my consumer rights. Your choice of using the word agreement, especially when communicating with me about debt collection, is a direct violation of my rights and is highly deceptive. Deceptive Terminology : Its essential to understand that using the term agreement can be misleading and deceptive, particularly when it comes to financial matters like debt collection. This is not merely an issue of semantics ; it goes to the heart of transparency and fairness in consumer dealings. Validation of Debt and Cease and Desist : Ive also previously requested validation of debt and issued a cease and desist notice. Its crucial to reiterate that upon receiving this document, all collection activities, including reporting to consumer agencies, must halt. Any continuation of these activities constitute violations of consumer protection laws. Compliance is not a choice. Regarding Admission of Liability : I want to underscore a critical point concerning the admission of liability. As per the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g ( c ), the failure of a consumer to dispute the validity of a debt should not, under any circumstances, be construed by any court as an admission of liability by the consumer. Illegality of Default Judgments : Its imperative to understand that any attempt to obtain a default judgment under these circumstances is not only against the law but also in direct violation of my consumer rights. A default judgment in debt collection cases should not occur when a consumer has requested debt validation or issued a cease and desist notice. These legal safeguards are in place precisely to protect consumers from such practices. Compliance is Mandatory : I insist on full compliance with this aspect of consumer protection law. Failure to adhere to this principle constitutes a violation of the law and my rights. Immediate Action Required : Any attempt to obtain a default judgment in contravention of the law will be met with appropriate legal action to safeguard my rights. 15 U.S. Code 1692i - Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall 1. In the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or 2. In the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) In which such consumer signed the contract sued upon ; or ( B ) In which such consumer resides at the commencement of the action.\n\n( If debt collectors choose to bring legal action, by law, they would have to bring it to my jurisdiction. ) ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. Discover, its crucial to emphasize that, as per 15 U.S. Code 1692i, legal actions on debts should be brought in specific jurisdictions. Debt collectors should not be initiating legal actions themselves. Congress has explicitly warned against the creation of documents that might mislead consumers into believing that a party other than the creditor is involved in debt collection. Its vital to ensure that such deceptive practices are avoided.\n\nI want to remind you of the violations identified in 15 U.S. Code 1692j : ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. Please ensure that your correspondence aligns with these legal requirements. Deceptive forms can have serious consequences, and its in both parties interest to maintain transparency. \nBring your attention to the legal framework surrounding civil liability as specified in 15 U.S. Code 1692k. Its essential to understand the potential consequences of failing to comply with the provisions of the Fair Debt Collection Practices Act ( FDCPA ). This code outlines the following aspects of civil liability : Amount of Damages ( 1692k ( a ) ) : Any debt collector who fails to comply with the FDCPA may be liable to the affected person for : 1.Actual damages incurred due to the failure. 2.Additional damages as determined by the court, not exceeding {$1000.00} for individual actions or as applicable in class actions. 3.Costs of the legal action. 4. Reasonable attorneys fees. Factors Considered by Court ( 1692k ( b ) ) : The court considers various factors when determining the amount of liability, including the frequency and persistence of noncompliance, the nature of noncompliance, and whether it was intentional. Intent ( XXXX ( c ) ) : Debt collectors may not be held liable if they can demonstrate that the violation was not intentional and resulted from a bona fide error, provided they maintain procedures reasonably adapted to avoid such errors. Jurisdiction ( XXXX ( d ) ) : Actions to enforce liability can be brought in any appropriate United States district court without regard to the amount in controversy or in any other court of competent jurisdiction, within one year from the date of the violation. It is essential to comply with both the FDCPA and FTC guidelines, as they not only define ethical practices but also carry significant legal consequences for violations. Addressing a matter of utmost importance regarding documentation you have provided concerning the alleged debt associated with my account. As stipulated in Rule 1002 of the Federal Rules of Evidence, it is a fundamental requirement that an original writing, recording, or photograph is necessary to prove its content unless specified otherwise by these rules or a federal statute. This rule, designed to uphold the integrity of evidence, plays a pivotal role in ensuring the accuracy and authenticity of documents used in legal matters. Regrettably, Discovers failure to provide the original document in question pertaining to the alleged debt represents a major violation of Rule 1002 and calls into question the legitimacy of the debt and the accuracy of the information being pursued. By not adhering to this critical rule, Discover has jeopardized the credibility of its collection efforts and may have placed itself in a precarious legal position. The absence of the original document raises significant doubts regarding the validity of the debt you are attempting to collect. I must insist that Discover should have taken immediate corrective action by providing the original document as required by Rule 1002. Addressing this major violation is essential not only for compliance with legal standards but also for restoring trust and transparency in your future dealings. Failure to rectify this situation promptly will result legal actions to safeguard my rights and interests. Please consider this matter seriously, as it pertains to a major violation with potential legal consequences.- **Subject : Assumption of Risk and Your Debt Collection Practices** A matter of utmost importance concerning your debt collection practices, particularly in light of the legal doctrines of \" assumption of risk. \" Assumption of risk '' is a legal concept with deep-rooted principles, indicating that individuals who knowingly and voluntarily accept the risks of certain actions or decisions can not subsequently seek recourse for any resulting consequences. This doctrine highlights personal responsibility for one 's choices. In the context of debt collection, this concept takes on a significant meaning. By purchasing and attempting to collect debts, you willingly assume the inherent risks associated with these financial transactions. It's essential to recognize that these debts may be inherently problematic or noncollectable, and your decision to engage in this business carries with it certain responsibilities. While \" assumption of risk '' was traditionally an affirmative defense available to defendants in legal matters, it has evolved, particularly in jurisdictions like California, to include scenarios where the defendant does not owe a duty of care to the plaintiff. This means that, as a debt collector, you must consider the inherent risks in your chosen field of business.Express assumption of risk, often formalized through signed waivers, can limit your liability to the terms of such waivers, provided they are not against public policy. In essence, it becomes a contractual matter. Implied assumption of risk, on the other hand, prevents a party from recovering when they voluntarily accept the risks associated with a certain activity, and this is where your responsibilities come into play. Debt collection inherently carries risks, such as the possibility of dealing with uncollectible debts, challenging debtors, or navigating complex regulations. It's crucial to understand that you, as a debt collector, have knowledge and appreciation of these risks. In doing so, you assume the responsibility for the outcomes of your collection efforts. Whether debts are collectible or not, it is your obligation to act in compliance with the law and to treat debtors fairly and ethically. While the legal landscape surrounding \" assumption of risk '' may have evolved, your responsibilities as a debt collector have not changed. You must uphold ethical standards, adhere to the Fair Debt Collection Practices Act ( FDCPA ), and act within the boundaries of the law. Failure to do so could expose you to significant legal consequences, including potential violations of the FDCPA, which carries its penalties and liabilities. Attention to a critical legal statute, 18 U.S. Code 1341, which pertains to Frauds and Swindles. This statute outlines severe penalties for individuals or entities that engage in schemes to defraud, obtain money or property through false pretenses, or employ fraudulent representations or promises. Specifically, the statute states : Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promisesplaces in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Serviceshall be fined under this title or imprisoned not more than 20 years, or both. The implications of this statute are profound and far-reaching, and it underscores the importance of conducting business activities with the utmost integrity and transparency. Any actions that can be construed as fraudulent or deceptive can result in severe legal consequences, including significant fines and imprisonment. In the context of your debt collection practices, it is imperative to adhere to the highest ethical and legal standards. Deceptive practices, false representations, or any actions that may be interpreted as fraudulent must be avoided at all costs.\n\nMoreover, I would like to emphasize that this statute carries even more severe penalties if the violation relates to a presidentially declared major disaster or emergency, or if it affects a financial institution. In such cases, the potential fines and imprisonment terms can be exceptionally high. The U.S. Code, specifically 18 U.S. Code 1028A, addresses the grave offense of Aggravated Identity Theft. This law aims to protect individuals from the malicious use of their personal information and identity for fraudulent purposes. It is a matter of utmost significance, as identity theft can lead to severe financial and emotional distress for the victims involved.I have reason to believe that my personal information has been mishandled, leading to many concerns about my privacy and the security of my identity. I take these matters very seriously. My primary objective is to ensure that my personal information remains secure, and Ive also noted violations of 18 U.S. Code 1028A. I believe it is essential to discuss these issues in detail to ensure a full understanding of the situation. As a responsible consumer, I have always upheld the importance of maintaining a clean and accurate credit history. However, recent events have led me to question the practices employed by Discover in managing my credit information, specifically in connection with Unwritten Permissible Purpose. The Fair Credit Reporting Act ( FCRA ) outlines specific guidelines and regulations governing how consumer credit information is collected, reported, and used by creditors, including Discover. One crucial aspect of the FCRA is the requirement for creditors to have a permissible purpose to access a consumers credit report. It has come to my attention that Discover may have been engaged in a practice known as Unwritten Permissible Purpose. This practice involves accessing a consumers credit report without a clearly defined or legitimate reason, which raises significant concerns about the privacy and security of my personal information. I firmly believe that consumers have the right to protect their sensitive financial information from unwarranted intrusion. As a diligent and responsible consumer, I have taken every precaution to safeguard my credit history, and it is disconcerting to encounter practices that appear to circumvent the FCRAs safeguards. Furthermore, it has come to my attention that Discover conducted a soft pull on my credit account when I initiated the process of filing claims. This action raises additional concerns about the privacy and security of my financial information, as it was performed outside the context of permissible purposes under the FCRA. Discovers actions in this regard may potentially violate the FCRA, and it is essential to address this issue comprehensively. I have serious reservations about the unauthorized access to my credit information and the implications it may have on my financial privacy. specifically concerning tax reporting and potential violations that have come to my attention. Recent events have led me to question the practices employed by Discover in managing my credit information, particularly regarding the reporting of charged-off debts and tax-related matters. A charged-off debt typically signifies that a creditor has deemed the debt as uncollectible and, in most cases, a tax break for the loss. It is essential for consumers to be aware of the financial implications of a charged-off debt, including the obligation to report it as gross income when necessary. When a debt is charged off, consumers have the right to request a Form 1099-C, known as the Cancellation of Debt form, from the creditor. This form is vital for tax purposes, as it ensures that any canceled debt is properly reported as income to the IRS. Filing the 1099-C is not only a legal obligation but also a means for consumers to maintain accurate records of their financial transactions. The filing of the 1099-C fundamentally changes the status of the debt from a bad debt to income. It demonstrates that the consumer has fulfilled their obligation by reporting the canceled debt as income during tax filings. This critical step ensures transparency and compliance with tax regulations. It has come to my attention that Discover may not be providing consumers with the necessary Form 1099-C upon the charge-off of a debt. This practice raises serious concerns about compliance with tax reporting regulations and may potentially constitute tax fraud. As a consumer, I am deeply troubled by the failure to provide essential tax documentation. If Discover fails to provide consumers with their Form 1099-C when required, it jeopardizes not only the consumers financial records but also the creditors reporting obligations to the IRS. This situation is further exacerbated when a charged-off debt is inaccurately reported as a collection item, creating an erroneous representation of the consumers credit status. I want to emphasize the significance of this issue and the potential consequences for both consumers and creditors. When debts are reported as charged off, Discover should ensure that the associated Form 1099-C is provided promptly. Failure to do so could lead to tax-related problems for consumers and potential regulatory issues for Discover. Additionally, I urge Discover to promptly correct the inaccurate reporting of charged-off debts as collectors items, as this misrepresentation can adversely affect a consumers creditworthiness and create unnecessary challenges. I believe in the importance of transparency, accuracy, and compliance in financial matters, this matter is of significant importance to me, as it pertains to both my financial well-being and my confidence. I insist that Discover immediately removes the alleged debt from my credit report and ceases any further reporting related to this matter on my consumer report.","date_sent_to_company":"2023-09-02T09:57:30.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32566","tags":null,"has_narrative":true,"complaint_id":"7490965","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2023-09-02T09:24:51.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Calling Without Prior Consent : Your actions show that you have made <em>numerous</em> calls without the requisite prior consent, constituting violations of the XXXX. Given the severity of TCPA violations and the potential penalties of up to {$1500.00} per violation, it is crucial that you rectify these violations immediately. I strongly urge you to cease these practices and take corrective action promptly to avoid further consequences. I am acutely <em>aware</em> of the <em>numerous</em> violations concerning 15 U.S."]},"sort":[5.106681,"7490965"]},{"_index":"complaint-public-v1","_id":"9153153","_score":4.817655,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Compensation is sought in this complaint. Consumer reporting agencies are required to follow reasonable procedures to ensure credit reports are as accurate as possible under 15 USC 1681e ( b ). Consumer reporting agencies must conduct a reasonable reinvestigation if a consumer disputes the accuracy or completeness of any information contained in a credit report, 15 USC 1681i ( 1 ) ( A ). According to the attached credit report, there are several inaccuracies, including information from XXXX  that contradicts information from XXXX and XXXX. Under section XXXX, inaccurate information means that it is factually inaccurate, as determined by the court in XXXX XXXX XXXX XXXX XXXX. As a result of my job requiring a security clearance, I have been injured, because the inaccurate, information thats been disputed on numerous occasions has not been properly investigated by XXXX and has destroyed my character, and likely would cause continuous damage to my career. For my credit report to be accurate, it must contain accurate information. XXXX is not granted the discretion to overlook legitimate disputes at its desire under any part of the law. Here, XXXX lied to the CFPB about investigating as shown by the attached credit report. Consumer reporting agencies, such as XXXX, are legally obligated by current law to follow reasonable procedures to ensure credit report accuracy. This includes conducting a reasonable investigation if a consumer disputes the accuracy or completeness of any information. Failing to fulfill these obligations can result in legal consequences, as inaccurate information can have significant consequences for individuals, such as the loss of job opportunities or unjust denial of credit. See XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ( holding that liability for Willfully failing to comply with the FCRA extends not only to acts known to violate the FCRA, but also to the reckless disregard of a statutory duty. See Exhibit No. XXXX ( XXXX credit Report ) also see Exhibit XXXX ( XXXX XXXX to report even my name correctly ) XXXX XXXX Account # XXXX XXXX. Violation - Date XXXX is incorrect should be XX/XX/XXXX. XXXX. Violation High Credit shows XXXX. \nXXXX. Violation No last XXXX or XXXX last payment are being recorded. \nXXXX. Violation account shows late payment in XX/XX/XXXX, XXXX shows no recording of a last payment, XXXX and XXXX show a late payment in XXXX, conflicting information between the XXXX major credit reporting agencies are indisputable evidence the information is report inaccurate, in direct violation of the FCRA. \nXXXX. Violation this account has been disputed XXXX time once being with the CFPB which is now with the FDIC for violation of the Military Lending Act XXXX XXXX XXXX, XXXX, and XXXX shows {$XXXX} over the credit limit being the High Credit, which make my complaint with the CFPB about XXXX XXXX true. XXXX XXXX told the CFPB they did not violate the XXXX but {$XXXX} over the credit limit in interest charges is XXXX % interest according to the MAPR ( Military Annual Percentage ) and violate the XXXX XXXX % MAPR cap. \nXXXX. Violation account type blank. This is because XXXX understands there is no late payments on this type open-end credit plan ( credit card ). XXXX XXXX XXXX ( b ) late payments are prohibited by law on this type of account. \nXXXX. Violation XXXX  never investigated ; therefore, it is impossible for them to know if XXXX XXXX mailed a notice 21 days before payments was due which is mandated by XXXX XXXX XXXX ( b ) I have never received any correspondence from XXXX XXXX, not only were they over charging in violation of the XXXX but they were also in violation of not distributing XXXX disclosures, as required by XXXX XXXX XXXX. \nXXXX. Violation XXXX shows this account 30 days late in XXXX. XXXX and XXXX show the account late in XXXX, XXXX has no data for last payment and couldnt possibly know whether the account was late or not. As XXXX XXXX and XXXX changes the due date XXXX follows and neither agency investigates. \nXXXX holds XXXX liable for willful noncompliance of not less than {$XXXX0} and not more than {$XXXX}. See XXXX XXXX XXXX, XXXX ( Holding that the FCRA made the dissemination of materially false information in consumer reports an injury in fact ) XXXX XXXX Account # XXXX, XXXX, XXXX, XXXX These accounts were all procured by Identity Theft, and Fraud in the inducement. XXXX XXXX took my personal information and assigned for these accounts in my name. XXXX claimed they obtained a XXXX Attorney to sign on my behalf. This is false, I have never given them any such authority. XXXX has ignored the FTC Identity Theft XXXX XXXX does not have the legal authority to omit any allegations of Identity Theft. Nor do XXXX  have the authority to play lawyer for XXXX XXXX. The law direct XXXX  to block the accounts alleged to be procured by Identity Theft. See Exhibit No. XXXX ( contract illegally signed by an unknown attorney. I did not give XXXX a XXXX of Attorney to have no Attorney sign anything for me. Also see Exhibit No. XXXX FTC Identity Theft XXXX. The XXXX requires XXXX  to block this account within XXXX business days of receiving the FTC XXXX. Violation XXXX. XXXX continues claims of relying on the creditor word in a reinvestigation after the creditor is accused of being involved is not the correct approach to attacking the legal validity of consumer debt. XXXX XXXX v. XXXX XXXX XXXX, XXXX XXXX1,68 ( 1st Cir.2008 ) 15 USC. Section 1681c-2 directs the credit bureaus to block the information alleged to be identity theft, period. A predatory lender has no problem taking someone to court and suing for a legitimate debt owed to them, even if the consumer cant afford to pay. This matter is no difference, American law allows a company to sue if someone uses the law in bad faith, the law does not permit a credit reporting agency to play Judge and jury and disregard the law, because the factual evidence does not favor the creditor, and credit reporting agency. The accounts are identity theft, and XXXX  has violated their mandate by assisting the violators causing additional harm to me. I have no problem going to XXXX XXXX showing my evidence, that it's in fact Identity Theft! There is no reason to try and evade the judicial process and undermined the constitution. \nXXXX XXXX Bank XXXX Account # XXXX XXXX. Violation account type blank. This is because XXXX understands there is no late payments on an open-end credit plan for a credit card. 15 USC 1666 ( b ) late payments are prohibited by law on this type of account.\n\n10. Account showing Open XXXX closed the account in retaliation because I filed an action against them for violation of the Military Lending Act 10USC 987. Any violation of the MLA voids a promissory note or contract in its inception, the balance must be paid back but at a 0 % interest rate the FDCPA prohibits retaliation and holds the perpetrator liable for {$XXXX} per violation. Therefore, I will file another action against XXXX. The XXXX permits compensation of not less than {$XXXX} per Illegal transaction. \nXXXX Violation XXXX  show me 30 days late in XX/XX/XXXX but reports a payment of {$XXXX} was paid on XX/XX/XXXX, XXXX, and XXXX information conflicts. \nXXXX. Violation XXXX never investigated ; therefore, it is impossible for them to know if XXXX mailed a notice 21 days before payments was due which is mandated by 15 USC 1666 ( b ) I have never received any correspondence from XXXX, not only were they over charging in violation of the XXXX but they were also in violation of not distributing XXXX disclosures, as required by 10 USC 987.\n\n13. Violation 15 USC section 1605 - Determination of the XXXX XXXX. Under 10 USC 987 ( Military Lending Act ), XXXX was required and paid to me a refund of {$XXXX}. Finance charge is the sum equal to the sum of all payments. There have been no adjustments to my credit report of the payment made by XXXX. XXXX violated federal law for years, so the account can not have been reporting correctly if XXXX was required by law to pay me {$XXXX} (. See exhibit No. XXXX ( XXXX refund check ) XXXX XXXX XXXX XXXX XXXX ( holding credit reporting practices must utilize accurate, relevant, and current information in a confidential manner. Also see XXXX XXXX XXXX XXXX XXXX ( Holding any inaccurate information in a consumer report supports a FCRA claim ) XXXX, XXXX and XXXX all show conflicting information on this account, this is indisputable evidence the information is being reported duplicitous. Its impossible for me to have been late in XXXX XXXX is reporting a {$XXXX} on XX/XX/XXXX. I paid {$XXXX} in XXXX after the billing cycle therefore XXXX payment was satisfied, I wouldnt have been late for XXXX until XXXX XXXX XXXX payment was paid on the due date of XX/XX/XXXX, See exhibit No XXXX XXXX payment history also See Exhibit XXXX Bank XXXX showing XXXX Payment was made long before the due date. \n\nXXXX XXXX XXXX Account # XXXX Violation Type of account is Blank. \nXXXX. Violation Open date show XXXX/XXXX/XXXX the correct open date is XX/XX/XXXX, XXXX changed this date to coincide with the next violation XXXX Violation, by using my personal information to extend the terms illegally, XXXX  assisted XXXX XXXX XXXX in committing Identity Fraud by erasing Terms and showing XXXX. XXXX XXXX XXXX illegally tacked on {$XXXX} to a paid account using my credit report as a tool. This forced me to pay XXXX additional payments and {$XXXX}. In accordance with XXXX XXXX XXXX XXXX XXXX XXXX, I am a covered member. It was a XXXX contract with a XXXX % interest rate with XXXX XXXX. XXXX XXXX XXXX erred in the contract because there were XXXX payments of {$XXXX, XXXX for prepaid finance charges and another for processing fees. According to the XXXX, the total sum must be calculated within the MAPR ; the addition of {$XXXX raised the XXXX to XXXX  %. See Exhibit No. XXXX The MAPR is capped at XXXX  % by the XXXX. Due to XXXX 's involvement in erasing the terms and not investigating the determination of the finance charge, per 15 USC 1605, I surrendered eight additional payments, seven  at XXXX and XXXX at XXXX, after XXXX XXXX XXXX posted this to my account to force me into default. When I paid the XXXX, XXXX XXXX XXXX placed a {$XXXX} charge on my account, and when I paid it, they placed another {$XXXX} to force a late payment. As a result of these illegal actions by XXXX and XXXX XXXX XXXX, I was charged an additional {$XXXX}. XXXX XXXX XXXX reported these charges to the CFPB as additional charges and finance charges. According to XXXX XXXX XXXX, they are not subject to the XXXX federal law since they are not payday lenders. In addition to Discover, I have filed actions against XXXX XXXX Bank, XXXX XXXX Bank, and XXXX XXXX. None of whom are payday loan companies. XXXX XXXX XXXX XXXX, the XXXX applies to all creditors. Due to this highly illegal action taken by XXXX and XXXX XXXX Financial, the XXXX has been increased from an already unlawful XXXX  % to XXXX  %, See exhibit No. XXXX ( XXXX ). I am entitled to a refund of all payments made, and not less than {$XXXX} per illegal transaction, for a total of approximately {$XXXX} under XXXX XXXX XXXX. See Exhibit No XXXX ( XXXX ) The increased MAPR of XXXX % not only amplifies the financial burden on the covered member, but it also exacerbates the predatory nature of the loan agreement. See Exhibit No. XXXX ( XXXX XXXX Financial Contract XXXX and XXXX XXXX Financials unlawful actions violated federal laws but have also caused significant harm to a federally covered member 's economic well-being. XXXX XXXX financial has a tirade of Actions against them for stealing and deceitful, including cold callous and indescribably cruel predatory lending scandals. A pending XXXX mandate by the CFPB, class action XXXX for violating the military lending act, see XXXX XXXX XXXX Main XXXX. XXXX and XXXX XXXX XXXX knows the law well enough to violate it, and egregiously challenge a consumers ability to file an action against them. Therefore, their continuous violations validate the continuous actions being filed against them. \nXXXX. Violation XXXX have evidence in their system this loan originated on XX/XX/XXXX they have in their system that the loan contract was for 60 months. XXXX  deleted the terms to assist XXXX XXXX XXXX in XXXX to extract the funds. \nXXXX, Last report, last active, and last payment all show XX/XX/XXXX XXXX. Violation Payment history shows an XXXX for XXXX. This Is indisputable evidence XXXX  was fully aware of what they were doing failing to investigate. \nXXXX. Violation this account was not only reported to the CFPB but also report to the FTC as Identity Theft XXXX ignored the FTC XXXX  which the FCRA requires XXXX to block the accounts within XXXX working days. Id Theft is defined as use of someone personal information for illegal financial gain. \nXXXX. Violation Upstart Reported as ID Theft, XXXX ignored the FTC XXXX XXXX No. XXXX This account was reported as Identity Theft. I received an email on XX/XX/XXXX from Upstart stating they would not handle my Identity Theft issue and a bank named XXXX XXXX XXXX XXXX made the loan to me. The number ( XXXX ) XXXX was used to contact this bank on XX/XX/XXXX at XXXX. Using my SSN, I asked the XXXX to check twice, and she replied that they had no record of me having received a loan. After waiting an hour, I called back, and this time I got a bank representative, who told me that XXXX was XXXX of their brokers, but no loan had been issued to me by their bank. XXXX ignored the Identity Theft XXXX and did not investigate. The Identity Theft XXXXt is a crucial document in the investigation process as it serves as a formal declaration from the victim stating that their identity has been stolen. It helps to establish a clear record of the incident and provides important information for law enforcement and other entities involved in resolving the case. By disregarding the Identity Theft XXXX and failing to conduct a thorough investigation, XXXX  not only violated legal requirements but also undermined the victim 's efforts to rectify the situation and seek justice. \nXXXX Account # XXXX XXXX. Violation account shows 30 days late for XX/XX/XXXX all three credit bureaus have conflicting information on a late payment, indisputable evidence the information is inaccurate. XXXX directed me to contact the credit bureaus who were reporting the incorrect information ; therefore, I closed the account. \nXXXX. Violation Credit bureaus play a crucial role in safeguarding consumer credit information by collecting and maintaining credit data from various sources. Their responsibility is to accurately report this information to lenders and other authorized parties. However, when credit bureaus neglect to thoroughly investigate and verify the accuracy of a consumer 's credit report within the allotted time, it can result in serious damage to the individual 's reputation and financial well-being. \nXXXX. Violation Account Type is blank, this was a XXXX credit card issued by XXXX XXXX Bank, This is because XXXX understands there is no late payments on this type open-end credit plan. 15 USC 1666 ( b ) late payments are prohibited by law on this type of account. Therefore they deleted the account type. \n25. Violation Date last Activity Blank 26. Violation Date last Payment Blank 27. Violation XXXX  never investigated the XXXX credit card ; therefore, it is impossible for them to know if XXXX mailed a notice 21 days before payments was due which is mandated by XXXX XXXX XXXX ( b ), I have never received any correspondence from XXXX or XXXX XXXX XXXX. Violation Section 623 ( a ) ( 6 ) ( FCRA ) XXXX  and the creditors were informed by me of the alleged ID theft, XXXX ignored the FTC XXXXt XXXX. Violation Section XXXX ( b ) XXXX is required by law to follow reasonable procedures to assure maximum possible accuracy of the information. When XXXX fails to even conduct a preliminary investigation the law and my rights have been violated. \nXXXX. Violation Section 611 ( c ) of FCRA provides, whenever a statement of dispute is filed the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide that it is disputed by the consumer and provide either the consumer statement or a clear and accurate codification or summery thereof. \nXXXX. XXXX XXXX XXXX has been disputing several time, numerous inaccuracies remain and no information in question assigned to the account. \nXXXX. XXXX XXXX XXXX XXXX has been disputing several time, numerous inaccuracies remain and no information in question assigned to the account XXXX. Violation account XXXX XXXX XXXX has no statement of dispute or Identity Theft XXXX. Violation FCRA section 605B ( 15 USC 1681c-2 violation A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX business days. XXXX has failed to follow this law because they know the truth but feel dedicated to protecting the unlawful acts by using their position to hold someone credit report as collateral to ensure the unlawful payments are made. \nXXXX XXXX violation XXXX X accounts reported by FTC XXXX as ID Theft XXXX  XXXX the report. The allege creditor also ignored the report. See XXXX XXXX XXXX XXXX. Solutions, XXXX ( Holding concrete harm XXXX be shown by FCRA violation that causes the consumer to suffer Harm which XXXX sought to prevent when it enacted the FCRA ) BLUF : If XXXX believes the creditor, they're protecting is right in signing fraudulent loans in my name through an unknown attorney, and the law does not see this as Identity Theft, Or XXXX contribution to the theft of money by XXXX Main Financial. It would be appropriate for XXXX to serve as a witness for these creditors in XXXX XXXX. The FCRA requires XXXX to comply, and if they refuse, a jury can decide what should be done. A remedy to a factual dispute has already been made available to both parties by XXXX.","date_sent_to_company":"2024-06-02T06:39:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77389","tags":"Servicemember","has_narrative":true,"complaint_id":"9153153","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-06-02T06:18:44.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX has been <em>disputing</em> several time, <em>numerous</em> inaccuracies remain and no information in question assigned to the account. \nXXXX. XXXX XXXX XXXX XXXX has been <em>disputing</em> several time, <em>numerous</em> inaccuracies remain and no information in question assigned to the account XXXX. 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