{"took":148,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":226,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11310860","_score":19.56888,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"The company failed me. As a consumer, the manager ignored the law. The disclosures were not set conspicuously and they ignored the principal request to assert the credits and the application appropriately. The consumer was conhersed, intimated, and pursuaded to as other than a beneficiary. The SSN social security number provided serves as the full faith and credit confirmation through the U.S. acting through the United States Treasury to settle the debts. The law has not changed. They did not balance the books lawfully and then claimed the credit through aquisition and repossessed the vehicle when the application served as collateral. The vehicle is the asset. The application was submitted and consumer was also forced to sign the application electronically with not rights reserved because the threat of not fulffiling the offer was on the table. Now after theft and collection of credits, consumer is currently left with a defemation of character as if there are no credits or applcaiton fulfillment. The ability of fulfillment of every credit / consumer obligaion is already written into law. The entity failed me, the consumer. For having left unlawful slander on consumer/ credit report. Disgrace to commerce. Unacceptable in law. The consumer is the original creditor, tricked and cohersed.","date_sent_to_company":"2025-01-15T11:23:36.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"95842","tags":null,"has_narrative":true,"complaint_id":"11310860","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Exeter Finance, LLC.","date_received":"2024-12-29T01:16:20.000Z","state":"CA","company_public_response":null,"sub_issue":"Confusing or misleading advertising or marketing"},"highlight":{"complaint_what_happened":["The SSN social <em>security</em> number <em>provided</em> <em>serves</em> as the <em>full</em> <em>faith</em> and credit confirmation through the U.S. acting through the United States Treasury to settle the debts. The law has not changed. They did not balance the books lawfully and then claimed the credit through aquisition and repossessed the vehicle when the application <em>served</em> as collateral. The vehicle is the asset."]},"sort":[19.56888,"11310860"]},{"_index":"complaint-public-v1","_id":"11317083","_score":18.524117,"_source":{"product":"Credit card","complaint_what_happened":"First Progress Bank did not disclose the necessary information for me to make a sound decision on the credit card I was opting in to. The company failed me. As a consumer, the XXXX ignored the law. The disclosures were not set conspicuously and they ignored the principal 's credits and the application appropriately. The consumer was conhersed, intimated, and pursuaded to be everything other than a beneficiary. The XXXX social security number provided serves as the full faith and credit confirmation through the U.S.acting through the United States Treasury to settle the debts. The law has not changed. They did not balance the books lawfully and then claimed the credit. Now after theft and collection of credits, consumer is currently left with a defemation of character as if there are no collateral associated with the application in itself .Confusing or misleading advertising or marketing credits or application fulfillment. The ability of fulfillment of every credit / consumer obligation is already written into law. The entity failed me, the consumer. For having left unlawful slander on consumer/ credit report. Disgrace to commerce. Unacceptable in law. The consumer is the original creditor, tricked and cohersed to take on the role of debtor. As a child of XXXX, all my debts are paid in full.","date_sent_to_company":"2025-01-07T17:27:32.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"95842","tags":null,"has_narrative":true,"complaint_id":"11317083","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Synovus Bank","date_received":"2024-12-29T16:33:05.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["The XXXX social <em>security</em> number <em>provided</em> <em>serves</em> as the <em>full</em> <em>faith</em> and credit confirmation through the U.S.acting through the United States Treasury to settle the debts. The law has not changed. They did not balance the books lawfully and then claimed the credit."]},"sort":[18.524117,"11317083"]},{"_index":"complaint-public-v1","_id":"10858271","_score":15.149679,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint regarding a hard inquiry on my credit report from your institution related to an auto loan application initiated on XX/XX/year>, at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \n\nWhile I visited the dealership and provided my personal information ( drivers license, Social Security Number, and date of birth ), I was not made fully aware of the impact of these actions on my credit report. I did sign a credit application, but I did not explicitly authorize a hard inquiry from your institution, nor was I informed that multiple inquiries might result. \n\nThe key points of concern are as follows : LACK OF FULL DISCLOSURE : I was not informed that submitting my personal information would result in a hard inquiry from your institution.\n\nThe dealership did not explain the potential negative impact on my credit score caused by these actions.\n\nDENIED APPLICATION AND UNNECESSARY IMPACT : The credit application was ultimately denied, meaning the hard inquiry served no useful purpose. The continued presence of this inquiry on my credit report is unwarranted and unnecessarily detrimental. \nEXCESSIVE AND UNFAIR PRACTICES : My credit report reflects 7-9 hard inquiries related to this single event, which significantly impacts my credit score.\n\nAs a stay-at-home parent with responsibilities for providing necessities for my family, this unnecessary credit damage severely hinders my ability to secure credit for important purchases or to conduct essential business activities.\n\nFailure to Consolidate Inquiries : Credit scoring models typically consolidate multiple inquiries for the same type of loan made within a short period ( e.g., 1445 days ). However, the lenders involved in this process have failed to ensure that these inquiries were consolidated, amplifying the negative impact on my credit.\n\nGOOD FAITH EFFORTS TO RESOLVE : I am attempting to operate in good faith and obtain a resolution that reflects fairness and transparency. Despite my efforts to contact your institution and others involved, I have been unable to secure a resolution.","date_sent_to_company":"2024-11-20T15:39:31.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30214","tags":null,"has_narrative":true,"complaint_id":"10858271","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Larry H. Miller Group of Companies","date_received":"2024-11-20T15:36:48.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["While I visited the dealership and <em>provided</em> my personal information ( drivers license, Social <em>Security</em> Number, and date of birth ), I was not made fully aware of the impact of these actions on my credit report. I did sign a credit application, but I did not explicitly authorize a hard inquiry from your institution, nor was I informed that multiple inquiries might result."]},"sort":[15.149679,"10858271"]},{"_index":"complaint-public-v1","_id":"10858447","_score":15.135775,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint regarding a hard inquiry on my credit report from your institution related to an auto loan application initiated on XX/XX/2024, at XXXX XXXX Chrysler XXXX XXXX XXXX XXXX. \n\nWhile I visited the dealership and provided my personal information ( drivers license, Social Security Number, and date of birth ), I was not made fully aware of the impact of these actions on my credit report. I did sign a credit application, but I did not explicitly authorize a hard inquiry from your institution, nor was I informed that multiple inquiries might result. \n\nThe key points of concern are as follows : LACK OF FULL DISCLOSURE : I was not informed that submitting my personal information would result in a hard inquiry from your institution.\n\nThe dealership did not explain the potential negative impact on my credit score caused by these actions.\n\nDENIED APPLICATION AND UNNECESSARY IMPACT : The credit application was ultimately denied, meaning the hard inquiry served no useful purpose. The continued presence of this inquiry on my credit report is unwarranted and unnecessarily detrimental. \nEXCESSIVE AND UNFAIR PRACTICES : My credit report reflects 7-9 hard inquiries related to this single event, which significantly impacts my credit score. \nAs a XXXX  parent with responsibilities for providing necessities for my family, this unnecessary credit damage severely hinders my ability to secure credit for important purchases or to conduct essential business activities. \nFailure to Consolidate Inquiries : Credit scoring models typically consolidate multiple inquiries for the same type of loan made within a short period ( e.g., 1445 days ). However, the lenders involved in this process have failed to ensure that these inquiries were consolidated, amplifying the negative impact on my credit. \nGOOD FAITH EFFORTS TO RESOLVE : I am attempting to operate in good faith and obtain a resolution that reflects fairness and transparency. Despite my efforts to contact your institution and others involved, I have been unable to secure a resolution.","date_sent_to_company":"2024-11-20T15:32:01.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30214","tags":null,"has_narrative":true,"complaint_id":"10858447","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2024-11-20T15:28:37.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["While I visited the dealership and <em>provided</em> my personal information ( drivers license, Social <em>Security</em> Number, and date of birth ), I was not made fully aware of the impact of these actions on my credit report. I did sign a credit application, but I did not explicitly authorize a hard inquiry from your institution, nor was I informed that multiple inquiries might result."]},"sort":[15.135775,"10858447"]},{"_index":"complaint-public-v1","_id":"10853451","_score":15.135775,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint regarding a hard inquiry on my credit report from your institution related to an auto loan application initiated on XX/XX/year>, at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \n\nWhile I visited the dealership and provided my personal information ( drivers license, Social Security Number, and date of birth ), I was not made fully aware of the impact of these actions on my credit report. I did sign a credit application, but I did not explicitly authorize a hard inquiry from your institution, nor was I informed that multiple inquiries might result. \n\nThe key points of concern are as follows : LACK OF FULL DISCLOSURE : I was not informed that submitting my personal information would result in a hard inquiry from your institution. \nThe dealership did not explain the potential negative impact on my credit score caused by these actions. \nDENIED APPLICATION AND UNNECESSARY IMPACT : The credit application was ultimately denied, meaning the hard inquiry served no useful purpose. The continued presence of this inquiry on my credit report is unwarranted and unnecessarily detrimental. \nEXCESSIVE AND UNFAIR PRACTICES : My credit report reflects 21 hard inquiries related to this single event, which significantly impacts my credit score. \nAs a stay-at-home parent with responsibilities for providing necessities for my family, this unnecessary credit damage severely hinders my ability to secure credit for important purchases or to conduct essential business activities. \nFailure to Consolidate Inquiries : Credit scoring models typically consolidate multiple inquiries for the same type of loan made within a short period ( e.g., 1445 days ). However, the lenders involved in this process have failed to ensure that these inquiries were consolidated, amplifying the negative impact on my credit. \nGOOD FAITH EFFORTS TO RESOLVE : I am attempting to operate in good faith and obtain a resolution that reflects fairness and transparency. Despite my efforts to contact your institution and others involved, I have been unable to secure a resolution.","date_sent_to_company":"2024-11-20T19:46:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30214","tags":null,"has_narrative":true,"complaint_id":"10853451","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FC HoldCo LLC","date_received":"2024-11-20T19:38:47.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["While I visited the dealership and <em>provided</em> my personal information ( drivers license, Social <em>Security</em> Number, and date of birth ), I was not made fully aware of the impact of these actions on my credit report. I did sign a credit application, but I did not explicitly authorize a hard inquiry from your institution, nor was I informed that multiple inquiries might result."]},"sort":[15.135775,"10853451"]},{"_index":"complaint-public-v1","_id":"10858449","_score":15.104437,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint regarding a hard inquiry on my credit report from your institution related to an auto loan application initiated on XX/XX/2024, at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \n\nWhile I visited the dealership and provided my personal information ( drivers license, Social Security Number, and date of birth ), I was not made fully aware of the impact of these actions on my credit report. I did sign a credit application, but I did not explicitly authorize a hard inquiry from your institution, nor was I informed that multiple inquiries might result. \n\nThe key points of concern are as follows : LACK OF FULL DISCLOSURE : I was not informed that submitting my personal information would result in a hard inquiry from your institution. \nThe dealership did not explain the potential negative impact on my credit score caused by these actions. \nDENIED APPLICATION AND UNNECESSARY IMPACT : The credit application was ultimately denied, meaning the hard inquiry served no useful purpose. The continued presence of this inquiry on my credit report is unwarranted and unnecessarily detrimental. \nEXCESSIVE AND UNFAIR PRACTICES : My credit report reflects XXXX hard inquiries related to this single event, which significantly impacts my credit score.\n\nAs a stay-at-home parent with responsibilities for providing necessities for my family, this unnecessary credit damage severely hinders my ability to secure credit for important purchases or to conduct essential business activities. \nFailure to Consolidate Inquiries : Credit scoring models typically consolidate multiple inquiries for the same type of loan made within a short period ( e.g., 1445 days ). However, the lenders involved in this process have failed to ensure that these inquiries were consolidated, amplifying the negative impact on my credit. \nGOOD FAITH EFFORTS TO RESOLVE : I am attempting to operate in good faith and obtain a resolution that reflects fairness and transparency. Despite my efforts to contact your institution and others involved, I have been unable to secure a resolution.","date_sent_to_company":"2024-11-20T15:25:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30214","tags":null,"has_narrative":true,"complaint_id":"10858449","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Consumer Portfolio Services, Inc.","date_received":"2024-11-20T14:47:54.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["While I visited the dealership and <em>provided</em> my personal information ( drivers license, Social <em>Security</em> Number, and date of birth ), I was not made fully aware of the impact of these actions on my credit report. I did sign a credit application, but I did not explicitly authorize a hard inquiry from your institution, nor was I informed that multiple inquiries might result."]},"sort":[15.104437,"10858449"]},{"_index":"complaint-public-v1","_id":"12720140","_score":12.852,"_source":{"product":"Credit card","complaint_what_happened":"Self Financial /Lead RE : IMMEDIATE DEMAND FOR FULL DISCLOSURE AND REMOVAL OF INACCURATE REPORTINGACCOUNT # : XXXX To Whom It May Concern, This letter serves as a formal demand under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act ( 15 U.S.C . 1681g ), Uniform Commercial Code ( UCC ) Article 9-210, Generally Accepted Accounting Principles ( GAAP ), ASC 310 , and ASC 860 . You are hereby required to provide full and complete disclosure of the following : All GAAP-compliant financial records pertaining to my alleged account, including any transactional history, proof of funding, and ledger entries proving an actual financial loss on your part. \nAll documents under UCC 9-210, including an authenticated accounting of the obligation and any security interest claimed. \n\nASC XXXX and XXXX XXXX records, detailing the origination, sale, or securitization of any alleged debt associated with this account. \n\nThe original wet-ink signed contract and/or application, proving my consent and agreement to the terms alleged. Photocopies, electronic signatures, or facsimiles are NOT acceptable. \n\nAny original promissory note, negotiable instrument, or agreement containing my wet-ink signature or thumbprint. \n\nProof of an actual loan extended, demonstrating that you suffered a financial loss or provided lawful consideration under contract law. \n\nIf you can not provide all of the requested documentation, it is deemed that you have no lawful claim against me, and the alleged account must be immediately removed from all consumer reports within XXXX ( XXXX ) days of receipt of this notice. Failure to comply will result in daily damages of {$1000.00} per day, commencing on the XXXX day, until full compliance is achieved. \n\nAdditionally, continued reporting of inaccurate or unverifiable information will be considered willful noncompliance under 15 U.S.C. 1681n, subjecting you to additional statutory, compensatory, and punitive damages, including but not limited to litigation and arbitration claims against your company. \n\nFurthermore, I will be hiring an independent audit company to thoroughly investigate this account. It is evident that you do not own the rights, title, or contract associated with this alleged debt, and your continued reporting is fraudulent and without proper authority. If you fail to remove this account, the audit will expose your deceptive practices, and you will be held legally accountable. \n\nThis is a final demand. I am giving you the opportunity to remove this account without the necessity of a lawsuit. However, if full compliance is not met within XXXX ( XXXX ) days, I will pursue all available legal remedies, including formal complaints withthe Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( XXXX ), as well as civil litigation. \n\nFailure to respond in good faith constitutes agreement to the terms outlined herein. You are required to respond with the requested documents in their original form within the specified time frame. Any further reporting of this account without lawful verification will be treated as an attempt to defraud and defame me. \n\nXXXX XXXX XXXX","date_sent_to_company":"2025-03-29T19:44:24.000Z","issue":"Improper use of your report","sub_product":"General-purpose credit card or charge card","zip_code":"92201","tags":null,"has_narrative":true,"complaint_id":"12720140","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2025-03-29T19:35:54.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Self Financial /Lead RE : IMMEDIATE DEMAND FOR <em>FULL</em> DISCLOSURE AND REMOVAL OF INACCURATE REPORTINGACCOUNT # : XXXX To Whom It May Concern, This letter <em>serves</em> as a formal demand under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act ( 15 U.S.C . 1681g ), Uniform Commercial Code ( UCC ) Article 9-210, Generally Accepted Accounting Principles ( GAAP ), ASC 310 , and ASC 860 ."]},"sort":[12.852,"12720140"]},{"_index":"complaint-public-v1","_id":"12720373","_score":12.841842,"_source":{"product":"Credit card","complaint_what_happened":"First Progress RE : IMMEDIATE DEMAND FOR FULL DISCLOSURE AND REMOVAL OF INACCURATE REPORTING ACCOUNT # : XXXX FIRST NOTICE To Whom It May Concern, This letter serves as a formal demand under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), Uniform Commercial Code ( UCC ) Article XXXX, Generally Accepted Accounting Principles ( GAAP ), ASC 310 , and ASC 860 . You are hereby required to provide full and complete disclosure of the following : All XXXX financial records pertaining to my alleged account, including any transactional history, proof of funding, and ledger entries proving an actual financial loss on your part. \n\nAll documents under UCC 9-210, including an authenticated accounting of the obligation and any security interest claimed. \n\nASC XXXX and XXXX XXXX records, detailing the origination, sale, or securitization of any alleged debt associated with this account. \n\nThe original wet-ink signed contract and/or application, proving my consent and agreement to the terms alleged. Photocopies, electronic signatures, or facsimiles are NOT acceptable. \n\nAny original promissory note, negotiable instrument, or agreement containing my wet-ink signature or thumbprint. \n\nProof of an actual loan extended, demonstrating that you suffered a financial loss or provided lawful consideration under contract law. \n\nIf you can not provide all of the requested documentation, it is deemed that you have no lawful claim against me, and the alleged account must be immediately removed from all consumer reports within XXXX ( XXXX ) days of receipt of this notice. Failure to comply will result in daily damages of {$1000.00} per day, commencing on the XXXX day, until full compliance is achieved. \n\nAdditionally, continued reporting of inaccurate or unverifiable information will be considered willful noncompliance under 15 U.S.C. 1681n, subjecting you to additional statutory, compensatory, and punitive damages, including but not limited to litigation and arbitration claims against your company. \n\nFurthermore, I will be hiring an independent audit company to thoroughly investigate this account. It is evident that you do not own the rights, title, or contract associated with this alleged debt, and your continued reporting is fraudulent and without proper authority. If you fail to remove this account, the audit will expose your deceptive practices, and you will be held legally accountable. \n\nThis is a XXXX demand. I am giving you the opportunity to remove this account without the necessity of a lawsuit. However, if full compliance is not met within XXXX ( XXXX ) days, I will pursue all available legal remedies, including formal complaints with the the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( XXXX ), as well as civil litigation. \n\nFailure to respond in good faith constitutes agreement to the terms outlined herein. You are required to respond with the requested documents in their original form within the specified time frame. Any further reporting of this account without lawful verification will be treated as an attempt to defraud and defame me. \n\nXXXX XXXX XXXX","date_sent_to_company":"2025-03-29T19:22:39.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"General-purpose credit card or charge card","zip_code":"92201","tags":null,"has_narrative":true,"complaint_id":"12720373","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Synovus Bank","date_received":"2025-03-29T18:58:36.000Z","state":"CA","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["You are hereby required to provide <em>full</em> and complete disclosure of the following : All XXXX financial records pertaining to my alleged account, including any transactional history, proof of funding, and ledger entries proving an actual financial loss on your part. \n\nAll documents under UCC 9-210, including an authenticated accounting of the obligation and any <em>security</em> interest claimed."]},"sort":[12.841842,"12720373"]},{"_index":"complaint-public-v1","_id":"12962436","_score":12.19479,"_source":{"product":"Credit card","complaint_what_happened":"Adverse Reaction Adverse Action Rebuttal Lawful Credit & Conditional Acceptance of Adverse Action Pending Full Disclosure This notice constitutes a formal rebuttal to the adverse action communicated in response to a private application for credit. Said action is hereby rebutted as incomplete, unlawful, and issued in commercial dishonor based on multiple statutory, contractual, and regulatory failures Were writing in response to your reply to the Consumer Financial Protection Bureau ( CFPB ) and to the Federal Deposit Insurance Corporation XX/XX/XXXX, that was forwarded to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We completed our review of your response to our complaints. \n\n\n\nRequest Full Disclosure : under Truth in Lending Act ( TILA ) Regulations Z, Under Securities Exchange Act, Federal Trade Commission, Regulation Z. Consumer Protection, 12 CFR part 1026, and 15 USC 1681 ( g ) 1. Material Non-Disclosure Restatement ( Second ) of Contracts 161 : Failure to disclose the complete criteria or internal process used to review an application may be considered a misrepresentation by silence. A financial institution is required to act with transparency and fairness, and withholding known information may be classified as fraud and omission.\n\n2. II. Fraudulent Misrepresentation Restatement Contact 162 : and Texas penal code 32.32 A denial based on 'lack of credit ' while knowingly refusing to acknowledge a lawfully sufficient negotiable instrument ( such as a private bond or promissory note backed by collateral ) meets the conditions of a knowing misrepresentation. This creates commercial liability and reinstatement Contact 162 ( a-c ) 3. Federal Non-Compliance 15 USC 1681m and 1691 ( d ) : Adverse actions related to credit must include : Disclosure of any consulted credit reporting agency Notification of rights under the Fair Credit Reporting Act and ECOA A clear and Accurate Explanation of the reason for denial An Avenue for reconsideration, Appeal, of factional correction.\n\nFailure to meet any of the requirements will render a denial unenforceable and administratively defective.\n\n4. Commercial Law Violations UCC Articles 1, 3, and 9 : A properly constructed trust-backed credit instrument qualifies as a negotiable asset under UCC 3-104 and may lawfully serve as the foundation of a commercial obligation. Failure to review or acknowledge such instruments violate principles of good faith and commercial reasonableness according to UCC 1-103, 1-201.\n\nConditional Acceptance of Adverse Action Pending Full Disclosure To Whom It May Concern : This letter is a formal notice of conditional acceptance regarding your recent decision involving my application for credit or financial accommodation. This acceptance is made on the condition that you provide full disclosure and verification of the legal and factual basis for your determination according to state, federal, and commercial regulations.\n\nYou are hereby required to produce the following : 1. The original underwriting guidelines were used to deny the application.\n\n2. Both certified copy of credit report used, for credit determination 3. A verified affidavit stating American Express has no knowledge of the collateral Instrument provided 4. Name and title of individual that denied credit application 5. A legal opinion or written policy confirming that a trust-backed, collateral secured credit instrument can not be excepted under American Express Financial Depository Institution policies .\n\nDemand Request is under the Legal Framework and Authority of : 1.Truth in Lending Act ( TILA ) Regulations Z, 2.Under 1933 Securities Exchange Act, 3.Federal Trade Commission, 4.Regulation Z . Consumer Protection Act, 5. 15 USC 1681 ( g ), 15 USC 1681 ( m ), 15 USC 1691 ( d ) 6. UCC 1-103, UCC 3-104 , UCC 9-203, UCC 9-308","date_sent_to_company":"2025-04-13T16:51:14.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"12962436","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-04-13T16:22:51.000Z","state":"TX","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["Commercial Law Violations UCC Articles 1, 3, and 9 : A properly constructed trust-backed credit instrument qualifies as a negotiable asset under UCC 3-104 and may lawfully <em>serve</em> as the foundation of a commercial obligation. Failure to review or acknowledge such instruments violate principles of good <em>faith</em> and commercial reasonableness according to UCC 1-103, 1-201."]},"sort":[12.19479,"12962436"]},{"_index":"complaint-public-v1","_id":"12962527","_score":12.175648,"_source":{"product":"Credit card","complaint_what_happened":"Adverse Reaction Adverse Action Rebuttal Lawful Credit & Conditional Acceptance of Adverse Action Pending Full Disclosure This notice constitutes a formal rebuttal to the adverse action communicated in response to a private application for credit. Said action is hereby rebutted as incomplete, unlawful, and issued in commercial dishonor based on multiple statutory, contractual, and regulatory failures Were writing in response to your reply to the Consumer Financial Protection Bureau ( CFPB ) and to the Federal Deposit Insurance Corporation XX/XX/XXXX, that was forwarded to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We completed our review of your response to our complaints. Request Full Disclosure : under Truth in Lending Act ( TILA ) Regulations Z, Under Securities Exchange Act, Federal Trade Commission, Regulation Z. Consumer Protection, 12 CFR part 1026, and 15 USC 1681 ( g ) 1. Material Non-Disclosure Restatement ( Second ) of Contracts 161 : Failure to disclose the complete criteria or internal process used to review an application may be considered a misrepresentation by silence. A financial institution is required to act with transparency and fairness, and withholding known information may be classified as fraud and omission. 2. II. Fraudulent Misrepresentation Restatement Contact XXXX : and Texas penal code XXXX A denial based on 'lack of credit ' while knowingly refusing to acknowledge a lawfully sufficient negotiable instrument ( such as a private bond or promissory note backed by collateral ) meets the conditions of a knowing misrepresentation. This creates commercial liability and reinstatement Contact XXXX ( a-c ) XXXX. Federal Non-Compliance 15 USC 1681m and 1691 ( d ) : Adverse actions related to credit must include : Disclosure of any consulted credit reporting agency Notification of rights under the Fair Credit Reporting Act and ECOA A clear and Accurate Explanation of the reason for denial An Avenue for reconsideration, Appeal, of factional correction. Failure to meet any of the requirements will render a denial unenforceable and administratively defective. 4. Commercial Law Violations UCC Articles 1, 3, and 9 : A properly constructed trust-backed credit instrument qualifies as a negotiable asset under UCC 3-104 and may lawfully serve as the foundation of a commercial obligation. Failure to review or acknowledge such instruments violate principles of good faith and commercial reasonableness according to UCC 1-103, 1-201. Conditional Acceptance of Adverse Action Pending Full Disclosure To Whom It May Concern : This letter is a formal notice of conditional acceptance regarding your recent decision involving my application for credit or financial accommodation. This acceptance is made on the condition that you provide full disclosure and verification of the legal and factual basis for your determination according to state, federal, and commercial regulations. You are hereby required to produce the following : 1. The original underwriting guidelines were used to deny the application. 2. Both certified copy of credit report used, for credit determination 3. A verified affidavit stating American Express has no knowledge of the collateral Instrument provided 4. Name and title of individual that denied credit application 5. A legal opinion or written policy confirming that a trust-backed, collateral secured credit instrument can not be excepted under American Express Financial Depository Institution policies . Demand Request is under the Legal Framework and Authority of : 1.Truth in Lending Act ( TILA ) Regulations Z, 2.Under 1933 Securities Exchange Act, 3.Federal Trade Commission, 4.Regulation Z . Consumer Protection Act, 5. 15 USC 1681 ( g ), 15 USC 1681 ( m ), 15 USC 1691 ( d ) 6. UCC 1-103, UCC 3-104 , UCC 9-203, UCC 9-308","date_sent_to_company":"2025-04-13T16:59:55.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"12962527","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-04-13T16:51:14.000Z","state":"TX","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["Commercial Law Violations UCC Articles 1, 3, and 9 : A properly constructed trust-backed credit instrument qualifies as a negotiable asset under UCC 3-104 and may lawfully <em>serve</em> as the foundation of a commercial obligation. Failure to review or acknowledge such instruments violate principles of good <em>faith</em> and commercial reasonableness according to UCC 1-103, 1-201."]},"sort":[12.175648,"12962527"]},{"_index":"complaint-public-v1","_id":"9873787","_score":11.64526,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"This letter serves as a formal complaint and notice of rescission regarding the handling of my vehicle financing by Mercedes-Benz Financial Services . I assert that Mercedes-Benz has engaged in conduct that potentially violates the Securities and Exchange Act of 1934, the Privacy Act of 1974, and the Truth in Lending Act ( TILA ), among other applicable laws and regulations. \nAlleged Violations Securities Law Violations : It appears that my promissory note and certificate of indebtedness were securitized by Mercedes-Benz , potentially involving the sale of unregistered securities and engaging in trading activities without proper disclosures, in violation of Sections 5 and 12 ( a ) ( 1 ) of the Securities Act of 1933, and Section 10 ( b ) of the Securities Exchange Act of 1934 and Rule 10b-5 thereunder.\n\nThe lack of transparency surrounding these transactions raises concerns about potential security fraud and manipulative practices. \n\nPrivacy Act Violations : Mercedes-Benz 's prospectus indicates the use of third-party providers while disclaiming responsibility for payments transferred to them. This raises concerns about unauthorized disclosure of my personal and financial information, potentially violating 5 U.S.C. 552a ( the Privacy Act of 1974 ). \nTruth in Lending Act ( TILA ) Violations : I entered into the contract with Mercedes-Benz Financial Services XXXX without full disclosure of my right to rescind as required by 15 U.S.C. 1635, transparency regarding the consumer credit application process, or clarity on the self-liquidating nature of the financial instrument. \nI was provided with false and deceptive information regarding the down payment required to drive off the lot, further violating TILA 's prohibition against unfair or deceptive acts or practices ( 15 U.S.C. 1601 et seq. ).\n\nPursuant to 15 U.S.C. 1602 ( g ), I assert my status as the creditor in this transaction.\n\nAdditional Concerns : Mercedes-Benz is ignoring the arbitration clause in the contract, refusing to engage in arbitration to resolve this dispute, potentially breaching the contract and demonstrating bad faith. \n\nMercedes-Benz is threatening repossession despite my notice of rescission and the potential invalidity of their security interest under 15 U.S.C. 1635 ( b ). Such threats may also violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., specifically 15 U.S.C. 1692f.\n\nMercedes-Benz 's claims of no recourse liability for credit losses on retail installment contracts held by third-party credit providers contradict their reliance on such providers for credit approval decisions, potentially constituting deceptive trade practices. \n\nFurthermore, The bank received a purchase order, and the dealership was fronted money, not me. I provided the dealership with a security to generate profit ; therefore, the car should be discharged.\n\nI have communicated this to Mercedes-Benz multiple times, but my concerns have been ignored.\n\nI have revoked their security interest and taken back my fiduciary, revoking all previous fiduciary agreements.\n\nI sent a promissory note, which they kept without discharging the debt.\n\nI filed a 1099XXXX  with two 1099XXXX to offset the books, but they still have not sent me my title.\n\nThey are harassing me with threats of repossession, even after I informed them that I have two liens on the car, one in XXXX  and one in XXXX. Such threats may be illegal under 15 U.S.C. 1692f, as there may no longer be a present right to possession of the vehicle.\n\nDespite the existence of an arbitration clause in the contract, Mercedes-Benz is refusing to acknowledge or adhere to this provision to resolve our dispute.\n\nAdditionally, Mercedes-Benz 's prospectus claims the use of third-party providers, yet they state they are not responsible for payments transferred to these third parties. This raises concerns about potential violations of the Privacy Act of 1974, as my personal and financial information may have been shared without my explicit consent.\n\nMercedes-Benz claims no responsibility for uncollected debts sold to third parties, and they further assert no recourse liability for credit losses on retail installment contracts held by third-party credit providers. However, they have indicated that the system used to approve my loan is a third-party credit provider. This creates a contradictory situation where they claim no liability for potential losses while simultaneously utilizing third-party services for credit decisions.\n\nFurthermore, under 15 U.S.C. 1602 ( g ), I am the creditor in this transaction. I entered into this contract agreement with Mercedes-Benz Financial Services XXXX  without : Full disclosure of my right to rescind Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) Clarity on the self-liquidating nature of the paper ( 17 CFR 260.11b ( 6 ) ) I have reason to believe that Mercedes-Benz Financial Services XXXX XXXX willingly and knowingly took advantage of me and my consumer credit. \nI am NOT terminating or canceling this contract ; I am deducting my liability to pay on behalf of the obligor, as I have found several violations and fraud. Notice that pursuant to 15 U.S. Code 1635 ( b ) : upon receipt of this rescission, I am not liable for any finance charge or other charge. Any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission.\n\nIn addition, I was given false and deceptive information, as I was informed that a down payment of {$1400.00} was needed for me to drive off the lot. Notice that pursuant to 15 U.S. Code 1635","date_sent_to_company":"2024-08-21T23:57:48.000Z","issue":"Managing the loan or lease","sub_product":"Lease","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"9873787","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mercedes Benz Financial Services","date_received":"2024-08-21T23:34:03.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem with additional products or services purchased with the loan"},"highlight":{"complaint_what_happened":["This letter <em>serves</em> as a formal complaint and notice of rescission regarding the handling of my vehicle financing by Mercedes-Benz Financial Services . I assert that Mercedes-Benz has engaged in conduct that potentially violates the <em>Securities</em> and Exchange Act of 1934, the Privacy Act of 1974, and the Truth in Lending Act ( TILA ), among other applicable laws and regulations."]},"sort":[11.64526,"9873787"]},{"_index":"complaint-public-v1","_id":"15206910","_score":11.559261,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/25 Opportun Attn : Compliance/Legal Department Re : Unauthorized Disclosure and Sale of Personal Information GrammLeachBliley Act Demand Account No. : [ XXXX ] To Whom It May Concern : I am writing to formally dispute the manner in which my personal and nonpublic financial information was disclosed and/or sold to a third-party debt collector. This action constitutes a violation of federal law under the GrammLeachBliley Act ( GLBA ), 15 U.S.C. 68016809, as well as applicable state privacy and consumer protection laws. \n\nUnder 15 U.S.C. 6801 ( a ), financial institutions have an affirmative and continuing obligation to protect the security and confidentiality of their customers nonpublic personal information and to guard against unauthorized access or use. Additionally, 15 U.S.C. 6802 prohibits the disclosure of such information to nonaffiliated third parties without providing the consumer with a clear and conspicuous privacy notice, along with a reasonable opportunity to opt out. \n\nAt no point did I receive the required GLBA-compliant privacy notice explaining that my personal information would be transferred or sold to a third party, nor was I afforded an opportunity to opt out of such disclosure. If such documentation exists, provide it immediately. \n\nThis letter serves as my formal demand for the following : The full name, address, and contact information of all third parties with whom my personal and account information has been shared or sold. \n\nA copy of the privacy notice that you allege was provided to me, including the date and method of delivery. \n\nWritten proof that I was granted and declined an opt-out opportunity, as required under GLBA 6802 ( b ). \n\nAll account records and agreements showing my express consent to the transfer or sale of my information to any third party. \n\nUntil you provide the above documentation, you are prohibited from further sharing, selling, or otherwise disclosing my nonpublic personal information to any third party. \n\nIf you fail to comply within 30 days of receipt of this letter, I will have no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office for investigation and enforcement under the GLBA and other applicable laws. \n\nI expect a written response within 30 days. This letter is sent in good faith with the intent to resolve this matter without the need for further legal action. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-08-11T20:59:24.000Z","issue":"Improper use of your report","sub_product":"Personal line of credit","zip_code":"90005","tags":null,"has_narrative":true,"complaint_id":"15206910","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"OPORTUN FINANCIAL CORPORATION","date_received":"2025-08-11T20:47:33.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This letter <em>serves</em> as my formal demand for the following : The <em>full</em> name, address, and contact information of all third parties with whom my personal and account information has been shared or sold. \n\nA copy of the privacy notice that you allege was <em>provided</em> to me, including the date and method of delivery. \n\nWritten proof that I was granted and declined an opt-out opportunity, as required under GLBA 6802 ( b )."]},"sort":[11.559261,"15206910"]},{"_index":"complaint-public-v1","_id":"15826168","_score":11.520383,"_source":{"product":"Debt collection","complaint_what_happened":"Cease and Desist / Debt Discharge Notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX NOTICE TO CEASE AND DESIST COLLECTION ACTIVITY To Whom It May Concern, This letter serves as formal notice that I dispute the validity of the alleged debt referenced above. Any further attempt to collect, report, or enforce this matter will be considered unlawful and in violation of federal law. Violation of Equal Credit Opportunity Act 15 U.S.C. 1691 Under the Equal Credit Opportunity Act ( ECOA ), no creditor may discriminate against an applicant regarding credit transactions. By attempting to enforce a debt that was extinguished upon execution of my original agreement, you are acting in bad faith and outside the scope of lawful credit practices. Payment Made by Operation of Law HJR-192 / Public Law 73-10 ( 1933 ) Congress declared in HJR-192 that since the United States abandoned the gold standard , all obligations must be discharged through legal tender or equivalent. When I signed the original contract/application, I furnished my signature, which operates as a negotiable instrument and perfected a security interest. This action constituted payment in full by law. Debt Already Satisfied By operation of law, the debt was satisfied when I executed the agreement and provided consideration. Any further attempt to treat this matter as unpaid is fraudulent misrepresentation. DEMANDS You are hereby ordered to cease and desist all collection activity, including reporting or attempting to collect this alleged debt. You must remove all negative reporting related to this matter from any consumer reporting agency ( credit bureaus ) immediately. Provide written confirmation within 15 days that this account has been discharged, closed, and will not be pursued further. Failure to comply will leave me no choice but to pursue legal action for violations of federal law, including but not limited to : the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and for damages under common law fraud.. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), only accurate and complete information may be furnished, and recent credit reporting rules state that paid or actively paid medical debts should not be reported. I requested verification and removal of this improper reporting. This letter is written without prejudice, pursuant to UCC 1-308, reserving all rights XXXX- XXXX XXXX Parker Authorized Representative Without Recourse UCC 1-308 ALL REIGHTS RESERVED BENEFICIARY","date_sent_to_company":"2025-09-11T13:00:06.000Z","issue":"Attempts to collect debt not owed","sub_product":"Telecommunications debt","zip_code":"48205","tags":null,"has_narrative":true,"complaint_id":"15826168","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SUNRISE CREDIT SERVICES, INC","date_received":"2025-09-10T01:44:21.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["When I signed the original contract/application, I furnished my signature, which operates as a negotiable instrument and perfected a <em>security</em> interest. This action constituted payment in <em>full</em> by law. Debt Already Satisfied By operation of law, the debt was satisfied when I executed the agreement and <em>provided</em> consideration. Any further attempt to treat this matter as unpaid is fraudulent misrepresentation."]},"sort":[11.520383,"15826168"]},{"_index":"complaint-public-v1","_id":"10917132","_score":11.36544,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> USAA Disputes Department XXXX XXXX XXXX. \nXXXX XXXX XXXX XXXX Subject : Formal Dispute and Demand for Rescission Under TILA, FDCPA, and FCRA Violations To Whom It May Concern : I am writing to formally dispute the handling of my auto loan, including improper issuance of multiple car titles, failure to perfect the security interest, inaccurate credit reporting, and harassing collection practices. These actions constitute violations of the Truth in Lending Act ( TILA ), Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and Federal Trade Commission ( FTC ) regulations. Your institutions actions have caused substantial financial harm, emotional distress, and significant damage to my credit profile. \n\nKey Issues 1. Multiple Car Titles Issued ( XX/XX/year> XX/XX/year> ) : Between XX/XX/year>, and XX/XX/year>, two separate car titles were issued for the same vehicle by the State of Illinois. This discrepancy demonstrates your institutions failure to perfect the security interest in a timely manner, as required by state law.\n\nThe first and only car payment was made on XX/XX/year>, prior to my discovery of the title issues. \nI received a copy of the first title on XX/XX/year>, confirming the administrative failures.\n\nThe issuance of two titles within such a short period raises serious concerns about the validity of the loan and the transparency of your institutions actions.\n\n2. Re-Aging of the Loan and Lack of Transparency : It is evident that USAA deliberately re-aged my credit account multiple times to avoid a charge-off of the loan, despite the unresolved issues with the car titles caused by your institutions negligence.\n\nBy re-aging the account, USAA knowingly manipulated my consumer credit report, reducing my credit score by over XXXX points and causing substantial financial harm. \nYour institution failed to provide transparency regarding the unperfected car titles and instead sought to protect its interests by avoiding a charge-off of the loan.\n\nThese actions directly violate FCRA, FDCPA, and FTC regulations, as they demonstrate willful negligence, bad faith, and attempts to deflect responsibility.\n\n3. FDCPA Dispute and Improper Response : When I formally disputed the loans validity under 15 U.S.C. 1692g of the FDCPA, USAA responded by pointing fingers and making baseless accusations against me and the dealer. These unproven allegations appear to be an attempt to shift blame for your institutions administrative failures.\n\n4. TILA Violations and Extortion Attempts : USAAs failure to disclose the delay in lien perfection and subsequent attempts to extort payments from me while the loans validity was in dispute constitute violations of TILA.\n\nDemanding payments on a loan with unresolved title issues and manipulating credit reporting demonstrates bad-faith behavior and noncompliance with federal consumer protection laws.\n\n5. Aggressive and Harassing Collection Practices : USAA representatives called me 2-3 times a day, threatened repossession, and demanded immediate cash payments despite my formal dispute of the loans validity.\n\nThese actions violate the FDCPA, which prohibits harassment, repeated calls, and collection attempts on disputed debts.\n\nDemanded Actions To resolve these issues, I demand the following : 1. Rescission of the Loan : Pursuant to 15 U.S.C. 1636 ( 4 ), I demand the immediate termination of this consumer credit transaction and full rescission of the loan.\n\n2. Double the Finance Charges : As provided under 15 U.S.C. 1640 ( a ) ( 2 ), I demand compensation equal to twice the finance charges paid to date for your violations of TILA.\n\n3. Correction of Credit Reports : Immediate correction of all inaccurate reporting to credit bureaus, including the removal of derogatory marks, reversal of re-aging actions, and any false claims about a perfected security interest.\n\n4. Cessation of Harassment : Immediate cessation of all collection activities, including phone calls and repossession threats, until the validity of the loan is resolved.\n\n5. Written Explanation : A detailed explanation of the issuance of two car titles between XX/XX/year>, and XX/XX/year>, and why USAA failed to perfect the security interest within the required timeframe.\n\nA justification for the repeated re-aging of the loan and its impact on my credit score.\n\nPotential Legal Action If you fail to comply with these demands within 15 business days, I will take the following actions : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Illinois Attorney General.\n\nPursue legal action to enforce rescission of the loan, recover damages for violations of TILA, FDCPA, and FCRA, and seek additional compensation for harm caused by your institutions actions.\n\nConclusion This letter serves as a formal dispute and demand for resolution under federal and state laws. Your institutions conduct has caused significant financial harm, stress, and damage to my creditworthiness. I expect a response within 15 business days. Failure to provide a satisfactory resolution will result in escalation to regulatory authorities and legal proceedings.\n\nPlease direct all correspondence to the contact information provided above. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-11-25T16:29:07.000Z","issue":"False statements or representation","sub_product":"Auto debt","zip_code":"60411","tags":"Servicemember","has_narrative":true,"complaint_id":"10917132","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2024-11-25T16:21:13.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Rescission of the Loan : Pursuant to 15 U.S.C. 1636 ( 4 ), I demand the immediate termination of this consumer credit transaction and <em>full</em> rescission of the loan.\n\n2. Double the Finance Charges : As <em>provided</em> under 15 U.S.C. 1640 ( a ) ( 2 ), I demand compensation equal to twice the finance charges paid to date for your violations of TILA.\n\n3."]},"sort":[11.36544,"10917132"]},{"_index":"complaint-public-v1","_id":"10231870","_score":11.337917,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I made the initial dispute XX/XX/XXXX which is over a year ago and is way beyond the 30 days allowed by law. I demand all address and misspelled/ inaccurate versions of my name be deleted immediately. \n\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX XXXX IA XXXX XXXX : CFPB Case # XXXX To Whom It XXXX XXXXoncern : I am writing to formally dispute the findings and conclusions presented in the correspondence dated XX/XX/XXXX, from LexisNexis Risk Solutions XXXX regarding my prior complaint about inaccurate reporting of address records.\n\n**1. Identity Authentication : ** LexisNexis claims that they were unable to fully authenticate my identity. However, under the FCRA, it is mandated that consumer reporting agencies take reasonable steps to verify the identity of the consumer. The burden of proof lies with LexisNexis to demonstrate that they have made a good faith effort to authenticate my identity using the information I provided. In *XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court emphasized the importance of consumer reporting agencies to properly investigate and verify the identity of the consumer. I provided sufficient documentation and information to support my identity, including full name, address, and previous correspondence. \n\n**2. Investigation Protocol : ** LexisNexis states that they initiated a dispute on my behalf, yet they did not provide any results from their investigation, nor did they detail the process they undertook to resolve the inaccuracies. The FCRA requires that consumers be informed of the results of their disputes within a reasonable time frame. According to *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the lack of communication regarding the results of an investigation constitutes a violation of the consumer 's rights under the FCRA. I have not received any substantive feedback regarding the accuracy of the reported addresses, nor have I been provided with a copy of my LexisNexis Consumer Disclosure Report upon request. \n\n**3. Requirement for Additional Documentation : ** LexisNexis 's request for a clear copy of my government ID or social security number, as well as a recent bill, in order to provide the results of the investigation raises concerns regarding privacy and the handling of personal information under the FCRA. The FCRA stipulates that consumers have the right to access their reports without excessive barriers. A demand for additional documentation, especially after I have already provided sufficient identity verification, seems excessive and not compliant with the FCRA 's provisions. \n\nXXXX. Lack of XXXX XXXX : ** I have not received any direct communication from the credit bureaus regarding the results of the dispute, as indicated in the LexisNexis correspondence. This lack of transparency and communication is contrary to the obligations set forth in the FCRA. \n\nIn conclusion, I respectfully request that you revisit my dispute with LexisNexis and enforce compliance with the FCRA regarding the authentication of my identity, the investigation protocol, and the need for direct communication. I expect a prompt response to this dispute and the necessary actions to correct any inaccuracies in my consumer report. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX XXXX [ XXXX XXXX ] -- - This letter serves to assert XXXX XXXX XXXX 's rights under consumer law and to challenge the handling of his dispute by LexisNexis.","date_sent_to_company":"2024-09-25T00:50:17.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19131","tags":null,"has_narrative":true,"complaint_id":"10231870","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2024-09-25T00:29:51.000Z","state":"PA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["The burden of proof lies with LexisNexis to demonstrate that they have made a good <em>faith</em> effort to authenticate my identity using the information I <em>provided</em>. In *XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court emphasized the importance of consumer reporting agencies to properly investigate and verify the identity of the consumer. I <em>provided</em> sufficient documentation and information to support my identity, including <em>full</em> name, address, and previous correspondence. \n\n**2."]},"sort":[11.337917,"10231870"]},{"_index":"complaint-public-v1","_id":"12797543","_score":11.153443,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX - XXXX Account Unlawfully closed. \n\n( 1 ) I am competent for stating the matters set forth herewith ; ( 2 ) I have personal knowledge about the facts stated herein ; ( 3 ) Everything stated in this TRUTH AFFIRMATION is the Truth, the Whole Truth, and nothing but the Truth and all stated is true, correct, complete, and not misleading. NO THIRD PARTIES ALLOWED. \nPLAIN STATEMENT ABOUT THE FACTS : ( a ) For Resolving a Matter it must be expressed ( b ) In Commerce Truth is Sovereign ; ( c ) Truth is expressed in the Form of an Affirmation ; ( d ) An Unrebutted Affirmation stands as Truth in Commerce ; ( e ) An Unrebutted Affirmation becomes the judgment in Commerce ; ( f ) A Truth Affirmation, under Commercial Law, can only be satisfied by a Rebuttal about the Truth Affirmation, by payment, by agreement, by resolution by a grand jury according by the rules for Common Law. \n\nMy request dated XXXX XXXX, for XXXX XXXX to confirm the balance owing on the above referenced matter. We requested for you to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form. ( Debtor did not comply with request ) XX/XX/XXXX - USPS - sent This is your verification that there is in fact NO contract between XXXX XXXX XXXX  XXXX and XXXX There was a promise to pay the debt you say is owed in exchange for the ORIGINAL INSTRUMENT of INDEBTEDNESS. Instead you sent a debt validation letter This means you have defaulted on the original offer to pay this debt in full, as you have not provided the ORIGINAL debt instrument validating any financial obligation to XXXX XXXX XXXX, XXXX That makes this account financially and legally settled. \nAs a result of these facts, the claimed debt must no longer be reported to my credit report as XXXX XXXX XXXX, XXXX. and XXXX XXXX XXXX has proven to not be operating correctly in commerce. This correspondence has also been reported to the federal trade commission. I look forward to the removal of all third-party debts, non-bonded and obligated creditors IF REPORTING DOES NOT CEASE, I WILL HAVE NO CHOICE BUT TO FILE A LAWSUIT AGAINST YOUR COMPANY. \nBe advised that validation in defined ( XXXX XXXX XXXX, XXXX XXXX ) is as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or disposition, affidavit of truth of matter stated and object of verification to assure good faith in averments or statements of party. \nDebt collector is further Noticed that this is not a request by Affiant for a photocopy of any invoice, statement, bill, summary, agreement and the like and that any future communication received by Affiant from Debt Collector, in written as well as any other form, absent the above-cited requisite Validation of debt, irrespective of the inclusion of any photocopy of any related involve, statement, bill summary, agreement, and the like, constitutes Debt Collectors tacit admission, confession and agreement that Debt Collector has no lawful, bona fide, verifiable claim, re the alleged account, as per the Fair Credit Reporting Act and the Fair Debt Collection Practices, and Uniform Commercial Code ( UCC ). \nThis lawful request is made in accord with the aforementioned authorities and shall further serve as a request for records as set-forth in the Administrative Procedure Act [ USC 5 551 ]. In addition to other applicable provisions under this Act, you are advised of the obligation to notify me within ten ( 10 ) days ( excepting Saturdays, Sundays, and legal public holidays ) after the receipt of my request to inform me of any refusal or unwillingness to comply or provide records. Under the penalties of perjury, I declare that I examined the facts stated, including any accompanying documents, and, to the best of my knowledge and belief, they are true, correct, and complete. \nXXXX - XXXX I contacted the Indentured Trustee - to enforce by Registered Mail - 3rd and Final with a Billing Right Notice : This will serve as my FINAL written billing dispute regarding unlawful closing of accounts. This dispute is for ALL past, current and present bills under this contract certificate of indebtedness to credit concerning accounts. Your company did not credit my accounts with the 1099 A Third Party 1099 C through our statement sent every year. Your company did not credit my account from the dividends that were created from My Treasury Coupons Via the electronic transfers acts, certificates of indebtedness : XXXX XXXX XXXX Truth and Lending. \n\nEverything is Securities There is No statute of limitations on the FRAUD according to Trade Regulation Rules Part XXXX, which protects consumers ' claims and defenses. It includes terms such as person, consumer, creditor, purchase money loan, financing a sale, and more. 16 CFR 433-1 This will serve as our instruction letter to please do a remittance transfer to our 1099 C so I can properly do my tax returns for XXXX, XXXX, XXXX, XXXX Please send -MAIL my cancellation of debt 1099-C Form copy B for the debtors. Per the electronic funds transfer account. Please return all my floating rate notes, tender received to date with a full accounting.","date_sent_to_company":"2025-04-03T18:28:28.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"94609","tags":"Servicemember","has_narrative":true,"complaint_id":"12797543","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-03T18:27:52.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Everything is <em>Securities</em> There is No statute of limitations on the FRAUD according to Trade Regulation Rules Part XXXX, which protects consumers ' claims and defenses."]},"sort":[11.153443,"12797543"]},{"_index":"complaint-public-v1","_id":"12809533","_score":11.144367,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX - XXXX Account Unlawfully closed. \n\n( 1 ) I am competent for stating the matters set forth herewith ; ( 2 ) I have personal knowledge about the facts stated herein ; ( 3 ) Everything stated in this TRUTH AFFIRMATION is the Truth, the Whole Truth, and nothing but the Truth and all stated is true, correct, complete, and not misleading. NO THIRD PARTIES ALLOWED. \nPLAIN STATEMENT ABOUT THE FACTS : ( a ) For Resolving a Matter it must be expressed ( b ) In Commerce Truth is Sovereign ; ( c ) Truth is expressed in the Form of an Affirmation ; ( d ) An Unrebutted Affirmation stands as Truth in Commerce ; ( e ) An Unrebutted Affirmation becomes the judgment in Commerce ; ( f ) A Truth Affirmation, under Commercial Law, can only be satisfied by a Rebuttal about the Truth Affirmation, by payment, by agreement, by resolution by a grand jury according by the rules for Common Law. \n\nMy request dated XXXX XXXX, for XXXX XXXX to confirm the balance owing on the above referenced matter. We requested for you to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form. ( Debtor did not comply with request ) XX/XX/XXXX - USPS - sent This is your verification that there is in fact NO contract between XXXX XXXX XXXX  XXXX and XXXX There was a promise to pay the debt you say is owed in exchange for the ORIGINAL INSTRUMENT of INDEBTEDNESS. Instead you sent a debt validation letter This means you have defaulted on the original offer to pay this debt in full, as you have not provided the ORIGINAL debt instrument validating any financial obligation to XXXX XXXX XXXX, XXXX That makes this account financially and legally settled. \nAs a result of these facts, the claimed debt must no longer be reported to my credit report as XXXX XXXX XXXX, XXXX. and XXXX XXXX XXXX has proven to not be operating correctly in commerce. This correspondence has also been reported to the federal trade commission. I look forward to the removal of all third-party debts, non-bonded and obligated creditors IF REPORTING DOES NOT CEASE, I WILL HAVE NO CHOICE BUT TO FILE A LAWSUIT AGAINST YOUR COMPANY. \nBe advised that validation in defined ( XXXX XXXX XXXX, XXXX XXXX ) is as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or disposition, affidavit of truth of matter stated and object of verification to assure good faith in averments or statements of party. \nDebt collector is further Noticed that this is not a request by Affiant for a photocopy of any invoice, statement, bill, summary, agreement and the like and that any future communication received by Affiant from Debt Collector, in written as well as any other form, absent the above-cited requisite Validation of debt, irrespective of the inclusion of any photocopy of any related involve, statement, bill summary, agreement, and the like, constitutes Debt Collectors tacit admission, confession and agreement that Debt Collector has no lawful, bona fide, verifiable claim, re the alleged account, as per the Fair Credit Reporting Act and the Fair Debt Collection Practices, and Uniform Commercial Code ( UCC ). \nThis lawful request is made in accord with the aforementioned authorities and shall further serve as a request for records as set-forth in the Administrative Procedure Act [ USC 5 551 ]. In addition to other applicable provisions under this Act, you are advised of the obligation to notify me within ten ( 10 ) days ( excepting Saturdays, Sundays, and legal public holidays ) after the receipt of my request to inform me of any refusal or unwillingness to comply or provide records. Under the penalties of perjury, I declare that I examined the facts stated, including any accompanying documents, and, to the best of my knowledge and belief, they are true, correct, and complete. \nXXXX - XXXX I contacted the Indentured Trustee - to enforce by Registered Mail - 3rd and Final with a Billing Right Notice : This will serve as my FINAL written billing dispute regarding unlawful closing of accounts. This dispute is for ALL past, current and present bills under this contract certificate of indebtedness to credit concerning accounts. Your company did not credit my accounts with the 1099 A Third Party 1099 C through our statement sent every year. Your company did not credit my account from the dividends that were created from My Treasury Coupons Via the electronic transfers acts, certificates of indebtedness : XXXX XXXX XXXX Truth and Lending. \n\nEverything is Securities There is No statute of limitations on the FRAUD according to Trade Regulation Rules Part XXXX, which protects consumers ' claims and defenses. It includes terms such as person, consumer, creditor, purchase money loan, financing a sale, and more. 16 CFR 433-1 This will serve as our instruction letter to please do a remittance transfer to our 1099 C so I can properly do my tax returns for XXXX, XXXX, XXXX, XXXX Please send -MAIL my cancellation of debt 1099-C Form copy B for the debtors. Per the electronic funds transfer account. Please return all my floating rate notes, tender received to date with a full accounting.","date_sent_to_company":"2025-04-03T18:28:25.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"94609","tags":"Servicemember","has_narrative":true,"complaint_id":"12809533","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-03T18:27:52.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Everything is <em>Securities</em> There is No statute of limitations on the FRAUD according to Trade Regulation Rules Part XXXX, which protects consumers ' claims and defenses."]},"sort":[11.144367,"12809533"]},{"_index":"complaint-public-v1","_id":"12808598","_score":11.144367,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Wells Fargo Case - XXXX Account Unlawfully closed.\n\n( 1 ) I am competent for stating the matters set forth herewith ; ( 2 ) I have personal knowledge about the facts stated herein ; ( 3 ) Everything stated in this TRUTH AFFIRMATION is the Truth, the Whole Truth, and nothing but the Truth and all stated is true, correct, complete, and not misleading. NO THIRD PARTIES ALLOWED.\n\nPLAIN STATEMENT ABOUT THE FACTS : ( a ) For Resolving a Matter it must be expressed ( b ) In XXXX XXXX is Sovereign ; ( c ) Truth is expressed in the Form of an Affirmation ; ( d ) An Unrebutted Affirmation stands as Truth in Commerce ; ( e ) An Unrebutted Affirmation becomes the judgment in Commerce ; ( f ) A Truth Affirmation, under Commercial Law, can only be satisfied by a Rebuttal about the Truth Affirmation, by payment, by agreement, by resolution by a grand jury according by the rules for Common Law. \n\nMy request dated XXXX XXXX, for Wells Fargo to confirm the balance owing on the above referenced matter. We requested for you to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form. ( Debtor did not comply with request ) XX/XX/XXXX - USPS - sent This is your verification that there is in fact NO contract between Wells Fargo Bank XXXX and XXXX There was a promise to pay the debt you say is owed in exchange for the ORIGINAL INSTRUMENT of INDEBTEDNESS. Instead you sent a debt validation letter This means you have defaulted on the original offer to pay this debt in full, as you have not provided the ORIGINAL debt instrument validating any financial obligation to WELLS FARGO BANK, N.A.. That makes this account financially and legally settled. \nAs a result of these facts, the claimed debt must no longer be reported to my credit report as WELLS FARGO BANK , N.A . and XXXX XXXX XXXX has proven to not be operating correctly in commerce. This correspondence has also been reported to the federal trade commission. I look forward to the removal of all third-party debts, non-bonded and obligated creditors IF REPORTING DOES NOT CEASE, I WILL HAVE NO CHOICE BUT TO FILE A LAWSUIT AGAINST YOUR COMPANY. \nBe advised that validation in defined ( XXXX XXXX XXXX, XXXX XXXX ) is as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or disposition, affidavit of truth of matter stated and object of verification to assure good faith in averments or statements of party. \nDebt collector is further Noticed that this is not a request by XXXX for a photocopy of any invoice, statement, bill, summary, agreement and the like and that any future communication received by Affiant from Debt Collector, in written as well as any other form, absent the above-cited requisite Validation of debt, irrespective of the inclusion of any photocopy of any related involve, statement, bill summary, agreement, and the like, constitutes Debt Collectors tacit admission, confession and agreement that Debt Collector has no lawful, bona fide, verifiable claim, re the alleged account, as per the Fair Credit Reporting Act and the Fair Debt Collection Practices, and Uniform Commercial Code ( UCC ). \nThis lawful request is made in accord with the aforementioned authorities and shall further serve as a request for records as set-forth in the Administrative Procedure Act [ USC 5 551 ]. In addition to other applicable provisions under this Act, you are advised of the obligation to notify me within XXXX ( XXXX ) days ( excepting XXXX, XXXX, and legal public holidays ) after the receipt of my request to inform me of any refusal or unwillingness to comply or provide records. Under the penalties of perjury, I declare that I examined the facts stated, including any accompanying documents, and, to the best of my knowledge and belief, they are true, correct, and complete. \nXXXX - XXXX I contacted the Indentured Trustee - to enforce by Registered Mail - XXXX and Final with a Billing Right Notice : This will serve as my FINAL written billing dispute regarding unlawful closing of accounts. This dispute is for ALL past, current and present bills under this contract certificate of indebtedness to credit concerning accounts. Your company did not credit my accounts with the 1099 A Third Party 1099 C through our statement sent every year. Your company did not credit my account from the dividends that were created from My Treasury Coupons Via the electronic transfers acts, certificates of indebtedness : XXXX XXXX XXXX Truth and Lending. \n\nEverything is Securities There is No statute of limitations on the FRAUD according to Trade Regulation Rules Part XXXX, which protects consumers ' claims and defenses. It includes terms such as person, consumer, creditor, purchase money loan, financing a sale, and more. 16 CFR 433-1 This will serve as our instruction letter to please do a remittance transfer to our 1099 C so I can properly do my tax returns for XXXX, XXXX, XXXX, XXXX Please send -MAIL my cancellation of debt 1099-C Form copy B for the debtors. Per the electronic funds transfer account. Please return all my floating rate notes, tender received to date with a full accounting.","date_sent_to_company":"2025-04-03T18:28:31.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"94609","tags":"Servicemember","has_narrative":true,"complaint_id":"12808598","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-04-03T16:43:54.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Everything is <em>Securities</em> There is No statute of limitations on the FRAUD according to Trade Regulation Rules Part XXXX, which protects consumers ' claims and defenses."]},"sort":[11.144367,"12808598"]},{"_index":"complaint-public-v1","_id":"11316805","_score":11.059203,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Chex Systems , Inc . \nAttn : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Formal Dispute and Demand for Investigation Regarding Inaccurate Account Reporting To Whom It May Concern, I am writing to dispute the adverse information associated with my name, XXXX XXXX, and Social Security number in your records. This letter serves as my formal demand for a comprehensive investigation under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. The following accounts and details are under dispute : Disputed Accounts and Details 1. Reported By : XXXX XXXX  Name on Record : XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX Date of Closure : XX/XX/XXXX Account Number : XXXX Original Charge Off Amount : {$200.00} Closure Status : Unpaid XXXX. Reported By : XXXX XXXX  Name on Record : XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX Date of Closure : XX/XX/XXXX Account Number : XXXX Original Charge Off Amount : {$150.00} Closure Status : Paid in Full XXXX. Reported By : XXXX XXXX XXXX XXXX  XXXX on Record : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX Date of Closure : XX/XX/XXXX Account Number : XXXX Original Charge Off Amount : {$2500.00} Closure Status : Unpaid XXXX. Reported By : XXXX XXXX  Name on Record : XXXX XXXX XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX Date of Closure : XX/XX/XXXX Account Number : XXXX Original Charge Off Amount : {$300.00} Closure Status : Unpaid Basis for Dispute 1. Unauthorized Reporting : I have not authorized or provided consent for the reporting of this information to third-party agencies. Please provide documentation, including contracts signed with my wet-ink signature, proving my explicit consent for these records to appear on my consumer report.\n\n2. Inaccuracies in Reporting : The details provided are inaccurate, incomplete, and unverified. As per FCRA Section 611, I request an immediate investigation and verification of these records to ensure compliance with federal laws.\n\n3. Permissible Purpose : I demand evidence of your compliance with 15 U.S.C. 1681b ( a ), showing that you had a legitimate permissible purpose to access and report my information. \n\nRequest for Documentation Within 5 days, I demand the following documents for each disputed account : 1. All records, agreements, and contracts bearing my signature that establish the validity of the reported information.\n\n2. Verified evidence showing compliance with FCRA and communication records from the data furnishers.\n\n3. Details of the investigation and the methods used to validate the adverse information.\n\nCease and Desist Until this dispute is resolved, I demand that ChexSystems cease and desist from reporting or sharing any information regarding these accounts. Continuation of reporting unverified information constitutes defamation and harassment, and it subjects ChexSystems to potential civil liability under the FCRA and FDCPA.\n\nLegal Reservation This letter serves as a good-faith effort to resolve the matter. I reserve all rights under U.C.C. 1-308 and applicable consumer protection laws. Failure to respond appropriately within the allotted time frame will be taken as your agreement to remove the disputed information from my consumer file.\n\nI trust you will address this matter promptly. Please contact me at your earliest convenience to confirm receipt of this letter. \n\nSincerely, XXXX XXXX Without Prejudice, U.C.C. 1-308","date_sent_to_company":"2024-12-29T18:20:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30132","tags":null,"has_narrative":true,"complaint_id":"11316805","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fidelity National Information Services, Inc. (FNIS)","date_received":"2024-12-29T18:01:50.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Attn : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Formal Dispute and Demand for Investigation Regarding Inaccurate Account Reporting To Whom It May Concern, I am writing to dispute the adverse information associated with my name, XXXX XXXX, and Social <em>Security</em> number in your records. This letter <em>serves</em> as my formal demand for a comprehensive investigation under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws."]},"sort":[11.059203,"11316805"]},{"_index":"complaint-public-v1","_id":"13400989","_score":11.057599,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Failure by TransUnion to Resolve Disputed Late Payment Records Urgent Matter Involving XXXX XXXX Military Member Accounts Affected : XXXX XXXX Bank Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am filing this formal complaint to document TransUnions repeated failure to correct inaccurate late payment information on my credit reportdespite three submitted disputes that included clear, verifiable evidence these payments were made on time. \n\nI am an XXXX XXXX service member, and the continued presence of false derogatory marks on my credit report is now placing my security clearance and employment at serious risk. This issue is not only threatening my career, but also causing significant emotional distress and financial harm. I need to stress that this letter serves as a documented good faith attempt to resolve this matter prior to pursuing legal action. \n\nMy initial dispute was submitted via XXXX XXXX Mail ( Tracking # XXXX ) on XX/XX/XXXX. That dispute contained full payment records proving the accounts in question were never late. Despite this, TransUnion responded that the accounts had been verified, without acknowledging or addressing the evidence I provided. \n\nAfter receiving no meaningful resolution, I submitted a third disputealso via Certified Mail ( Tracking # XXXX ) which was delivered on XX/XX/XXXX. Again, it included supporting documentation and a detailed explanation of the discrepancies. To date, TransUnion has failed to update or correct the inaccurate information, nor has it provided any legitimate justification for its inaction. \n\nThese failures constitute clear violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation upon receipt of a dispute with new evidence.\n\n15 U.S.C. 1681e ( b ) : Failure to follow procedures to ensure maximum possible accuracy in credit reporting.\n\n15 U.S.C. 1681s-2 ( b ) : If the data furnishers did not properly investigate the matter when contacted by TransUnion, they too are in violation. \n\nI am now urgently requesting that the Consumer Financial Protection Bureau take immediate action to hold TransUnion accountable and ensure that both the credit bureau and the relevant furnishers comply with their obligations under the FCRA. \n\nAttachments with this complaint include : Documentation proving timely payments for each account Certified Mail receipt confirming delivery on XX/XX/XXXX Copies of previous disputes and inadequate responses from TransUnion Given the professional and personal consequences of continued inaction, I expect this matter to be handled with the seriousness it deserves. \nAccounts Affected : XXXX XXXX Bank Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-05-08T12:50:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"13400989","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-08T12:49:35.000Z","state":"AE","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":["I am an XXXX XXXX service member, and the continued presence of false derogatory marks on my credit report is now placing my <em>security</em> clearance and employment at serious risk. This issue is not only threatening my career, but also causing significant emotional distress and financial harm. I need to stress that this letter <em>serves</em> as a documented good <em>faith</em> attempt to resolve this matter prior to pursuing legal action."]},"sort":[11.057599,"13400989"]},{"_index":"complaint-public-v1","_id":"8240497","_score":11.020644,"_source":{"product":"Mortgage","complaint_what_happened":"OFFICE OF THE USAA FEDERAL SAVINGS BANK INDENTURE TRUSTEE OFFICER XXXX XXXX XXXX XXXX XXXX XXXX XXXX Certified Mailing # XXXX XXXX XXXX XXXX XXXX To : CFO/CEO USAA FEDERAL SAVINGS BANK. \nRE : Wrongful Transfer of Security ( Promissory Note ) ORC 1308.30 UCC 8-315. USAA FEDERAL Savings Bank-agent stamped pay to the order of : on Instrument.\n\nSee Picture of File uploaded.\n\nOn the Original promissory Note. The original promissory Note was indorsed Pay to the Order of : USAA FEDERAL SAVINGS BANK. In which the note was deposited, and credits of FEDERAL RESERVE NOTES were issued to USAA FEDERAL SAVINGS BANK. This was done in accordance with GAAP. Which must show the deposit as an asset on the books ( ledgering ) Title 12 USC 1813 ( l ) Deposits. Which the consumer/account owner never received the funds or Credits to balance the account.\n\nI mailed a copy of Note and uploaded a picture of the endorsement By USAA FEDERAL SAVINGS BANK agent as proof the note was deposited to USAA FEDERAL SAVINGS bank account in which the borrower never received a receipt for the deposit. Also, I have requested IRS TAX FORM 1099-A and 1099-OID that lists the borrower and Lender on the Original Issue Discount of the debt security Instrument. I never received a copy of the 1099-A or 1099-OID in which is needed to be in compliance and to report to the IRS.\n\nThe original Note is the obligation of the United States Treasury Title 18 USC 8 and the note was issued for value and endorsed by borrower for collateral and funding.\n\nUCC 3-104 : An Instrument is a note if it is a promise and is a draft if it is an order. If an Instrument falls within the definition of both note and draft, a person entitled to enforce the instrument may treat it as either.\n\nAlso see Federal Reserve Act Section 16 \" notes ) Paragraph 1-4. also, under Title 12 USC 412. Application of Notes.\n\nOhio Revised Code Section 1308.30 | Wrongful transfer of security. UCC 8-315 ( A ) Any person against whom the transfer of a security is wrongful for any reason, including his incapacity, as against anyone except a bona fide purchaser, may : ( 1 ) Reclaim possession of the certificated security wrongfully transferred ; ( 2 ) Obtain possession of any new certificated security representing all or part of the same rights ; ( 3 ) Compel the origination of an instruction to transfer to him or a person designated by him an uncertificated security constituting all or part of the same rights ; or ( 4 ) Have damages. ( B ) If the transfer is wrongful because of an unauthorized indorsement of a certificated security, the owner may also reclaim or obtain possession of the security or a new certificated security even from a bona fide purchaser if the ineffectiveness of the purported indorsement can be asserted against him under the provisions of section 1308.26 of the Revised Code on unauthorized indorsements. ( C ) The right to obtain or reclaim possession of a certificated security or to compel the origination of a transfer instruction may be specifically enforced and the transfer of a certificated or uncertificated security enjoined and a certificated security impounded pending the litigation.\n\nUCC 3-103 definitions of order and Promise : ( 8 ) Order means a written instruction to pay money signed by the person giving the instruction. The instruction may be addressed to any person, including the person giving the instruction, or to one or more persons jointly or in the alternative but not in succession. An authorization to pay is not an order unless the person authorized to pay is also instructed to pay.\n\n( 12 ) Promise means a written undertaking to pay money signed by the person undertaking to pay. An acknowledgement of an obligation by the obligor is not a promise unless the obligor also undertakes to pay the obligation.\n\nUCC 3-311 Accord and satisfaction by use of instrument. ( a ) If a person against whom a claim is asserted proves that ( i ) that person in good faith tendered an instrument to the claimant as full satisfaction of the claim, ( ii ) the amount of the claim was unliquidated or subject to a bona fide dispute, and ( iii ) the claimant obtained payment of the instrument. The obligation is satisfied by the tender of the promissory note and there is discharged UCC 3-603 and 3-604.\n\nSecurity Interest is the exchange of Collateral Securities by the Security Exchange Commission via Federal Reserve Banks to be deposit with the Secretary of Treasury in trust. The law for the exchange enacted on XX/XX/XXXX : Emergency Banking Act, 73rd Congress, session I, Chapter 1, Title IV Sec. 401.\n\nSec. 401. The Sixth paragraph of Section 18 of the Federal Reserve Act ( 1913 ) is amended to read as follows : \" Upon the deposit with the Treasurer of the United States, ( a ) of any direct obligations of the United States or ( b ) on any notes, drafts, bills of exchange, or bankers ' acceptances acquired under the provisions of the Act, any Federal reserve bank making such deposit in the manner prescribed by the Secretary of the Treasury shall be entitled to receive from the Comptroller of the Currency circulating notes in blank, duly registered and countersigned. When such circulating notes are issued against the security of obligations of the United States, the amount of such circulating notes shall be equal to the face value of the direct obligations of the Unites States so deposited as security ; and, when issued against the security of notes, drafts, bills of exchange and bankers ' acceptances acquired under the provisions of this Act, the amount thereof shall be equal to not more than 90 per cent of the estimated value of such notes, drafts, bills of exchange and bankers ' acceptances so deposited as security. '' Penalties for not filing Redeeming Notes on Demand and Notice : a. Statutes at Large, Volume 13 pages 113, Sec 46 thru 50- fail to redeem circulating notes upon demand notice, & Comptroller of the Currency penalties.\n\nb. 18 USC 1621 Perjury generally To : CEO/CFO Indentured trustee : Second Notice/Non-Response/Dishonor and Default.\n\nI have submitted a 1099-A, 1099-B and 1099-C to the Treasury. As USAA FEDERAL RESERVE BANK has not provided the requested tax forms or provided the accounting, I have issued the forms to the best of my knowledge.\n\nAs the Trustee/fiduciary you are to fill out a 1099-OID and transfer the funds to the account of XXXX XXXX XXXX XXXX to balance the accounting and to return all Federal Reserve Notes that have unearned interest applied to the account. As this is an order in accordance with Title 15 U.S. Code 1615 - Prohibition on use of Rule of 78s in connection with mortgage refinancings and other consumer loans.\n\nTitle 31 CFR Part 357 Subpart A-General Information. 357.0 Book entry systems ( 1 ). Commercial book-entry system. The commercial book-entry system is the book-entry system in which Treasury securities are held in a tiered system through securities intermediaries such as financial institutions or brokerage firms. A Treasury security is maintained in the commercial book entry system if it is credited by a Federal Reserve Bank to a Participant 's Securities Account. The regulations governing the commercial book-entry system are found at subpart B of this part, and are referred to as Treasury/Reserve Automated Debt Entry System ( TRADES ) a. The promissory note security for borrower/consumer/beneficiary was issued to USAA FEDERAL SAVINGS BANK and USAA FEDERAL SAVINGS BANK allonge the note Pay to the Order negotiated/deposited the Security funds into what account and who did it benefit?\n\n3. Title 31 CFR Part 357.2 Definitions- Adverse claim-Means a claim that a claimant has a property interest in a security and that it is a violation of the rights of the claimant for another person to hold, transfer, or deal with the security.\n\nBook entry security-means a Treasury security maintained as a computer record in the commercial book entry system.\n\nSecurity- Means bill, NOTE as defined in this section.\n\n4. Office of Inspector General U.S Department of Commerce.\n\nSingle Audit reports- A single audit is a financial and compliance audit of recipients of Federal funds, such as States, local governments, universities, and non-profit organizations. A single audit is generally conducted by an independent certified public accountant or State auditor and is intended to assess whether the recipient spends Federal funds properly. The Department is required to assess the quality of recipients ' single audit reports, issue management decisions on single audit recommendations, and ensure that grantees take appropriate and timely corrective actions.\n\nDOC OIG conducts quality control reviews of selected single audit reports that are conducted by non-Federal auditors ( generally, independent certified public accountants ) to determine whether ( 1 ) audits comply with Federal requirements ( such as the Single Audit Act, as amended, and the Uniform Grant Guidance ) and ( 2 ) if there are quality deficiencies in the non-Federal auditors ' work that require correction and/or affect the reliability of audit results. Non-Federal auditors can receive a rating of pass, pass with deficiency ( ies ), or fail.\n\na. A security audit of the borrowers/consumer account is hereby requested and shall be done in compliance with a CPA of all funds transferred by USAA FEDERAL SAVINGS BANK and XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n5. Federal Reserve Operating Circular 10 Appendix 3 : This Circular further defines the conditions for the borrower application, including the packet application requirement and the role of the local federal reserve agent in processing these applications.\n\na. As this implied covenant of good faith and fair dealing, every contract including promissory notes, obligates the parties to act and refrain from any action that could undermine the borrower which constitutes a breach of duty and malfeasance. In such a scenario, the borrower has the right to call the security, as the issuance of federal reserve notes is a prerequisite for the validity of the promissory note. I call the security to settle and close the accounting book ledger of the borrower.\n\nI shall require the contract that is signed by both parties that I knowingly/un-knowingly granted Power of Attorney to you, to make any transactions in my Rights, Titles and Interests?\n\nIf you provide all required answers and documents of verification and validity of proof of claim of debt. To include an autograph under penalty of perjury that you are the holder in due course of the unaltered promissory note. That the promissory note shall be returned to the borrower, or the value of the note return upon the satisfaction of the loan. Upon you accepting this, I will also accept these conditions to settle and close the accounting.\n\nI submit this notice under title 28 USC 1746. Penalty of Perjury for you to rebut this notice as The Consumer Financial Protection Bureau Agents of this public notice is bound to protect and enforce as Public Trustees.\n\nUpon receipt of this correspondence, you have 15 days to satisfy the asking, provide proof of Money loaned, return all promissory Notes and Federal Reserve Notes of Unearned interest, submit 1099-OID to return all Rights, Titles and interest, or cease and desist all further actions, turn over any and all held warehouse Notes belonging to me and forward to me a Satisfaction of Mortgage receipt.\n\nThis notice serves as evidence as to my good faith attempt to resolve this matter and to settle and close the alleged debt. As no consideration or lawful Money was loaned to the borrower. As there was no loan to the borrower and the promissory note was issued/deposit which satisfies the agreement and deed of trust that was created under false pretension and without disclosure.\n\nThe is your opportunity to cure your dishonor and default of non-response and provide the requested 1099s and an audit of the accounting under 28 USC 1746/UCC 9-210.\n\nIf you dishonor my Security instruments again, I will be filing the following forms 3949-A-Information Referral, 14039- Identity Theft Affidavit and 211- Application for award for Original Information.\n\nAuthorizing Registered Agent, Done in good faith, without Recourse.","date_sent_to_company":"2024-01-28T12:57:09.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"43725","tags":"Servicemember","has_narrative":true,"complaint_id":"8240497","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2024-01-28T12:23:59.000Z","state":"OH","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Paying off the loan"},"highlight":{"complaint_what_happened":["This notice <em>serves</em> as evidence as to my good <em>faith</em> attempt to resolve this matter and to settle and close the alleged debt. As no consideration or lawful Money was loaned to the borrower. As there was no loan to the borrower and the promissory note was issued/deposit which satisfies the agreement and deed of trust that was created under false pretension and without disclosure."]},"sort":[11.020644,"8240497"]},{"_index":"complaint-public-v1","_id":"12268256","_score":11.018811,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"NOTICE OF DISPUTE, REDEMPTION OF LAWFUL MONEY, PRIVACY VIOLATION, TRUST LAW & GAAP COMPLIANCE Notice to Principal is Notice to Agent | Notice to Agent is Notice to Principal To Whom It May Concern, I, XXXX ; XXXX XXXX, XXXX XXXX XXXX am writing to formally dispute inaccurate and unverifiable derogatory items appearing on my credit report and to assert my right to redeem financial instruments in lawful money pursuant to 12 U.S.C. 411. \n\nAdditionally, I have previously provided a promissory note via my original credit application, which created a negotiable instrument that your institution has leveraged in financial markets. Since this note was extended as consideration, I am entitled to receive the interest on payments made under this agreement. These are financial instruments that I have a legal right to collect, pursuant to the indenture agreement you have on file with the SEC. \n\nIn many instances, I have tendered payment by offering valid consideration in the form of Federal Reserve Notes, which under the existing monetary system should constitute setoff and discharge of any alleged obligation. When such payment has been offered, any rejection of that payment must still be honored, or the refusal must be properly explained. As such, I have provided value in the transactions, and the continued reporting of derogatory items constitutes unjust enrichment and misrepresentation of my financial standing.\n\n1. Redemption of Lawful Money & Revocation of Unknowingly Granted Powers I hereby demand the redemption of all funds, securities, and financial instruments derived from my estate and credit activities in LAWFUL MONEY under 12 U.S.C. 411, which states that the option to receive lawful money must be honored upon request.\n\nFurther, I revoke any and all rights, powers, or authorizations I may have unknowingly granted to any financial institution, credit bureau, or third-party entity that may have : Used my credit application as a negotiable instrument and unlawfully monetized it. \nSecuritized my financial instruments without full disclosure or consent. \nConverted my financial obligations into debt securities under fraudulent pretense. \n\nSince you are affiliated with financial institutions and willingly serve their business partners, and since I am associated with these same businesses and partners, I demand that you relay my instructions to the institutions as an agent to the principal. Your continued reporting of information obtained from these financial institutions without properly investigating or communicating disputes to the original creditor constitutes a breach of duty. \n\nFailure to comply will be considered willful negligence and a violation of agency principles, further subjecting your institution to liability under agency law for failing to act upon direct notice from an associated party.\n\n2. GAAP Ledger Compliance & Breach of Contract and Trust Laws All financial transactions must comply with Generally Accepted Accounting Principles ( GAAP ), particularly regarding the proper classification of assets, liabilities, and equity under the Financial Accounting Standards Board ( FASB ) guidelines.\n\nUnder GAAP ASC 310, any account receivable that has been securitized must be accounted for as a liquidated asset, which means the original obligation must be written off as paid on the ledger.\n\nUnder GAAP ASC 305, financial instruments that are actively traded or securitized must be reported as cash equivalents, meaning the alleged debt has already been monetized and should not appear as an outstanding balance on my report.\n\nFailure to follow GAAP results in fraudulent accounting entries, double-booking of liabilities, and deceptive financial reporting practices. \n\nAdditionally, because a contract forms a trust, the trustee ( financial institution ) has an obligation to act in good faith and with full disclosure. The following contractual and trust laws have been violated : Restatement ( Second ) of Contracts 205 Duty of Good Faith and Fair Dealing : The creditor had a fiduciary duty to disclose how my credit application was monetized and must now rectify any misleading financial statements.\n\nUniform Trust Code 802 Duty of Loyalty : The financial institution failed to act in my best interest by not disclosing the profit generated from my financial instruments.\n\nUniform Trust Code 813 Duty to Inform and Account : The institution failed to provide a full accounting of all funds received, transferred, or securitized under my name.\n\nI demand full forensic reconciliation of all transactions associated with my financial instruments.\n\n3. Direct Treasury Account Deposit Demand I demand that all redeemed funds be deposited into my XXXX XXXX Account for proper settlement : XXXX XXXX Account Number : XXXX All associated securities, bonds, and CUSIP-linked transactions should be accounted for and reconciled in my favor. \n\nI demand a full forensic audit and disclosure of any and all securities or financial instruments tied to my NAME or ESTATE, including : XXXX  numbers assigned to my credit transactions. \nProof of any liens, trusts, or financial vehicles where my financial standing has been leveraged. \nA clear statement of how my promissory note or original application was used in any market transactions.\n\nI demand full compliance with UCC 3-104, 3-306, and 3-603 regarding the enforcement and discharge of negotiable instruments. \n\n\nSpecific Accounts & Tradelines in Dispute I demand the immediate removal of the following derogatory items that are either inaccurate, unverifiable, or improperly reported : XXXX  XXXX XXXX ( Account # XXXX ) ** Incorrect charge-off. The account was closed by the credit grantor and falsely reported as charged off, in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), which prohibits furnishing information that is inaccurate or misleading. \nXXXX XXXX XXXX XXXX ( Account # XXXX ) ** Erroneous charge-off. The account was reported with a maximum delinquency of 120 days, yet there is no signed validation of the debt per 15 U.S.C. 1666i-1. \nXXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) ** Falsely reported as charged off with an unpaid balance despite evidence of tender of payment. This is a violation of UCC 3-604, which states that refusal of payment results in discharge. \nXXXX XXXXXXXX XXXX XXXX XXXX  ( Account # XXXX ) ** This account was paid in full but was still reported with charge-off remarks. This is an act of malicious reporting and unjust enrichment. \nXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) ** Account was paid as agreed, yet the negative marks remain. This is a breach of fair reporting laws under the FCRA. \nANY OTHER REMAINING DEROGATORY ENTRIES NOT ALIGNED WITH XXXX should be deleted as well, since reporting discrepancies violate 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy.\n\nPursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand a full reinvestigation of these accounts and either : Immediate removal of unverifiable items within 30 days, or Full validation, including the original contract bearing my wet-ink signature, proof of lawful consideration, and verification that the reporting furnisher had the legal right to report these accounts.\n\n4. Demand for Communication & Compliance with FCRA In accordance with 15 U.S.C. 1681i ( a ) (\n6 ), you must provide me with a written response detailing the results of your investigation no later than 30 days from receipt of this notice. I require that all communications be directed exclusively to me via : Certified Mail : XXXX XXXX XXXX XXXX XXXX Email : XXXX Im currently homeless partially do to the discriminate practice of a social credit score that doesnt reflect my competency and capacity to contract fairly.\n\nFailure to adhere to these lawful instructions will constitute willful noncompliance, a violation under 15 U.S.C. 1681n & 1681o, subjecting your agency to statutory damages, punitive damages, and potential injunctive relief.\n\nI will seek {$1000.00} per violation of the FCRA, GAAP, and contractual laws breached, along with additional pen\nalties for deceptive financial reporting practices and breaches of agency and trust law.\n\n5. Legal Notice & Reservation of Rights This letter serves as prima facie evidence of my dispute and lawful demand. All rights are reserved under UCC 1-308, and no contractual presumptions may be made against me without my explicit consent. \n\nI expect full compliance and a written response within 30 days. \n\nSincerely, XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Non-Domestic, Without Prejudice All Rights Reserved, UCC 1-308 LAWS ENFORCING REDEMPTION OF LAWFUL MONEY, MONETARY RIGHTS & SECURITIES ACCOUNTING 1 . Federal Laws Governing Lawful Money & Monetary Rights 12 U.S.C. 411 Lawful Money Redemption Grants the right to demand all transactions be redeemed in lawful money rather than Federal Reserve Notes ( FRNs ).\n\n31 U.S.C. 5103 Legal Tender Laws Defines what constitutes legal tender, establishing how financial institutions must recognize different forms of lawful payment.\n\n31 U.S.C. 3124 Exemption from Taxation on Federal Obligations Protects interest-bearing federal obligations from state taxation, reinforcing the obligation to account for lawful money correctly. \nHouse XXXX XXXX ( XXXX ) XXXX of XXXX Suspension of Gold Redeemability Prevents creditors from demanding payments in gold and reinforces the need to settle obligations through credit, setoff, and discharge.\n\n2. Uniform Commercial Code ( UCC ) Negotiable Instruments & Discharge of Debt UCC 1-201 ( 24 ) D\nefinition of Money Reinforces that lawful money is not the same as Federal Reserve Notes ( FRNs ).\n\nUCC 3-104 Negotiable Instruments Recognizes promissory notes and checks as negotiable instruments, requiring proper endorsement and crediting.\n\nUCC 3-306 Holder in Due Course Protection Protects those who have given valuable consideration from unjust claims.\n\nUCC 3-603 Tender of Payment States that when payment is tendered and refused, the obligation is discharged.\n\nUCC 3-604 Discharge by Cancellation or Renunciation Any financial instrument can be discharged wh\nen obligations have been satisfied.\n\nUCC 9-102 ( a ) ( 64 ) Definition of Secured Party Clarifies the status of individuals with a security interest in their own promissory notes.\n\nUCC 9-210 Request for Accounting & Secured Party Status Gives the right to demand a full accounting of financial instruments, CUSIP numbers, and securities transactions.\n\n3. Trust & Contract Law ( Fiduciary Duty & Fair Dealing ) Restatement ( Second ) of Contracts 205 Duty of Good Faith and Fair Dealing Creditors must act honestly and fairly in their financial dealings.\n\nUniform Trust Code 802 Duty of Loyalty Trustees ( banks, credit bureaus, and institutions ) must act solely in the interest of the beneficiary.\n\nUniform Trust Code 813 Duty to Inform and Account All trustees must provide full disclosure and accounting of transactions.\n\nSecurities Exchange Act of 1934 ( 15 U.S.C. 78q ( a ) ) Recordkeeping & Reporting Financial institutions must maintain accurate and transparent records.\n\nFair Debt Collection Practices Act ( 15 U.S.C. 1692g ) Validation of Debts Requires written proof of any alleged debts, including the original wet-ink contract. 4. Financial Accounting & Securities Regulations\n( GAAP Compliance ) GAAP ASC 305 Cash Equivalents Accounting Requires proper classification of monetized promissory notes as cash assets.\n\nGAAP ASC 310 Receivables Accounting Prevents double booking of debts after securitization.\n\nGAAP ASC 860 Accounting for Transfers & Servicing of Financial Assets Requires financial institutions to properly record asset transfers and securitization.\n\nSecurities Act of XXXX ( 15 U.S.C. 77a et seq. ) Securities Registration & Disclosure Ensures full transparency when securities are created from credit applications.\n\n5. Consumer Protection & Fair Credit Reporting ( FCRA & Privacy Laws ) 15 U.S.C. 1681e ( b ) Duty to Maintain Maximum Possible Accuracy Credit bureaus must ensure all information is verified, accurate, and non-deceptive.\n\n15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) Prohibition Against Furnishing Inaccurate Information Institutions must correct or del\nete false financial data.\n\n15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Right to Dispute and Reinvestigation Grants the right to demand an investigation into erroneous financial reporting.\n\n15 U.S.C. 1681n & 1681o Remedies for Willful & Negligent Violations Authorizes damages of {$1000.00} per violation.\n\nGramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ) Privacy Protection Requires financial institutions to safeguard personal financial data.\n\n6. Agency Law & Legal Remedies Restatement ( Third ) of Agency 1.01 Agency Relationship Defined Establishes that credit bureaus act as agents for financial institutions.\n\nRestatement ( Third ) of Agency 8.06 Duty to Transmit Information Requires agents ( credit bureaus ) to relay all disputes and communications to their principals ( financial institutions ).\n\nTort Law ( Willful Negligence & Malicious Misrepresentation ) Holds institutions liable for economic damage caused by false financial reporting.\n\nENFORCEMENT DEMAND SUMMARY 1. Lawful Money Redemption All transactions must be redeemed in lawful money per 12 U.S.C. 411. \nAll redeemed funds must be deposited into XXXX  XXXX Account # XXXX. \n\n2. Debt Setoff & Discharge Tender of payment already made ( UCC 3-603, 3-604 ).\n\nDebts should be written off under GAAP ASC 310.\n\n3. Financial Instrument Disclosure All se\ncuritizations, CUSIP numbers, and trusts must be disclosed per UCC 9-210.\n\nFinancial reporting must comply with the Securities Act of 1933.\n\n4. Credit Report Dispute All inaccurate tradelines must be removed per FCRA ( 15 U.S.C. 1681i ).\n\nFailure to correct errors results in {$1000.00} per violation under 15 U.S.C. 1681n & 1681o.\n\n5. Legal Recourse Failure to comply will result in complaints filed with the CFPB, FTC, and Attorney General. \nPotential litigation for injunctive relief, economic damages, and punitive penalties. \n\nFINAL DEMAND I, XXXX ; XXXX XXXX, demand immediate compliance with these legal obligations. I expect full correction of my credit reports, financial disclosure of my instruments, and redemption of all lawful money owed to my estate. \n\nFailure to act within 30 days will be considered willful negligence and a direct violation of statutory, contractual, and fiduciary obligations.","date_sent_to_company":"2025-02-27T11:01:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30032","tags":null,"has_narrative":true,"complaint_id":"12268256","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-27T11:00:43.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Securities</em> Act of XXXX ( 15 U.S.C. 77a et seq. ) <em>Securities</em> Registration & Disclosure Ensures <em>full</em> transparency when <em>securities</em> are created from credit applications.\n\n5."]},"sort":[11.018811,"12268256"]},{"_index":"complaint-public-v1","_id":"12268163","_score":11.018811,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"NOTICE OF DISPUTE, REDEMPTION OF LAWFUL MONEY, PRIVACY VIOLATION, TRUST LAW & GAAP COMPLIANCE Notice to Principal is Notice to Agent | Notice to Agent is Notice to Principal To Whom It May Concern, I, XXXX ; XXXX XXXX, XXXX XXXX XXXX am writing to formally dispute inaccurate and unverifiable derogatory items appearing on my credit report and to assert my right to redeem financial instruments in lawful money pursuant to 12 U.S.C. 411. \n\nAdditionally, I have previously provided a promissory note via my original credit application, which created a negotiable instrument that your institution has leveraged in financial markets. Since this note was extended as consideration, I am entitled to receive the interest on payments made under this agreement. These are financial instruments that I have a legal right to collect, pursuant to the indenture agreement you have on file with the SEC. \n\nIn many instances, I have tendered payment by offering valid consideration in the form of Federal Reserve Notes, which under the existing monetary system should constitute setoff and discharge of any alleged obligation. When such payment has been offered, any rejection of that payment must still be honored, or the refusal must be properly explained. As such, I have provided value in the transactions, and the continued reporting of derogatory items constitutes unjust enrichment and misrepresentation of my financial standing.\n\n1. Redemption of Lawful Money & Revocation of Unknowingly Granted Powers I hereby demand the redemption of all funds, securities, and financial instruments derived from my estate and credit activities in LAWFUL MONEY under 12 U.S.C. 411, which states that the option to receive lawful money must be honored upon request.\n\nFurther, I revoke any and all rights, powers, or authorizations I may have unknowingly granted to any financial institution, credit bureau, or third-party entity that may have : Used my credit application as a negotiable instrument and unlawfully monetized it. \nSecuritized my financial instruments without full disclosure or consent. \nConverted my financial obligations into debt securities under fraudulent pretense. \n\nSince you are affiliated with financial institutions and willingly serve their business partners, and since I am associated with these same businesses and partners, I demand that you relay my instructions to the institutions as an agent to the principal. Your continued reporting of information obtained from these financial institutions without properly investigating or communicating disputes to the original creditor constitutes a breach of duty. \n\nFailure to comply will be considered willful negligence and a violation of agency principles, further subjecting your institution to liability under agency law for failing to act upon direct notice from an associated party.\n\n2. GAAP Ledger Compliance & Breach of Contract and Trust Laws All financial transactions must comply with Generally Accepted Accounting Principles ( GAAP ), particularly regarding the proper classification of assets, liabilities, and equity under the Financial Accounting Standards Board ( FASB ) guidelines.\n\nUnder GAAP ASC 310, any account receivable that has been securitized must be accounted for as a liquidated asset, which means the original obligation must be written off as paid on the ledger.\n\nUnder GAAP ASC 305, financial instruments that are actively traded or securitized must be reported as cash equivalents, meaning the alleged debt has already been monetized and should not appear as an outstanding balance on my report.\n\nFailure to follow GAAP results in fraudulent accounting entries, double-booking of liabilities, and deceptive financial reporting practices. \n\nAdditionally, because a contract forms a trust, the trustee ( financial institution ) has an obligation to act in good faith and with full disclosure. The following contractual and trust laws have been violated : Restatement ( Second ) of Contracts 205 Duty of Good Faith and Fair Dealing : The creditor had a fiduciary duty to disclose how my credit application was monetized and must now rectify any misleading financial statements.\n\nUniform Trust Code 802 Duty of Loyalty : The financial institution failed to act in my best interest by not disclosing the profit generated from my financial instruments.\n\nUniform Trust Code 813 Duty to Inform and Account : The institution failed to provide a full accounting of all funds received, transferred, or securitized under my name.\n\nI demand full forensic reconciliation of all transactions associated with my financial instruments.\n\n3. Direct Treasury Account Deposit Demand I demand that all redeemed funds be deposited into my XXXX XXXX Account for proper settlement : XXXX XXXX Account Number : XXXX All associated securities, bonds, and CUSIP-linked transactions should be accounted for and reconciled in my favor. \n\nI demand a full forensic audit and disclosure of any and all securities or financial instruments tied to my NAME or ESTATE, including : XXXX  numbers assigned to my credit transactions. \nProof of any liens, trusts, or financial vehicles where my financial standing has been leveraged. \nA clear statement of how my promissory note or original application was used in any market transactions.\n\nI demand full compliance with UCC 3-104, 3-306, and 3-603 regarding the enforcement and discharge of negotiable instruments. \n\n\nSpecific Accounts & Tradelines in Dispute I demand the immediate removal of the following derogatory items that are either inaccurate, unverifiable, or improperly reported : XXXX  XXXX XXXX ( Account # XXXX ) ** Incorrect charge-off. The account was closed by the credit grantor and falsely reported as charged off, in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), which prohibits furnishing information that is inaccurate or misleading. \nXXXX XXXX XXXX XXXX ( Account # XXXX ) ** Erroneous charge-off. The account was reported with a maximum delinquency of 120 days, yet there is no signed validation of the debt per 15 U.S.C. 1666i-1. \nXXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) ** Falsely reported as charged off with an unpaid balance despite evidence of tender of payment. This is a violation of UCC 3-604, which states that refusal of payment results in discharge. \nXXXX XXXXXXXX XXXX XXXX XXXX  ( Account # XXXX ) ** This account was paid in full but was still reported with charge-off remarks. This is an act of malicious reporting and unjust enrichment. \nXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) ** Account was paid as agreed, yet the negative marks remain. This is a breach of fair reporting laws under the FCRA. \nANY OTHER REMAINING DEROGATORY ENTRIES NOT ALIGNED WITH XXXX should be deleted as well, since reporting discrepancies violate 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy.\n\nPursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand a full reinvestigation of these accounts and either : Immediate removal of unverifiable items within 30 days, or Full validation, including the original contract bearing my wet-ink signature, proof of lawful consideration, and verification that the reporting furnisher had the legal right to report these accounts.\n\n4. Demand for Communication & Compliance with FCRA In accordance with 15 U.S.C. 1681i ( a ) (\n6 ), you must provide me with a written response detailing the results of your investigation no later than 30 days from receipt of this notice. I require that all communications be directed exclusively to me via : Certified Mail : XXXX XXXX XXXX XXXX XXXX Email : XXXX Im currently homeless partially do to the discriminate practice of a social credit score that doesnt reflect my competency and capacity to contract fairly.\n\nFailure to adhere to these lawful instructions will constitute willful noncompliance, a violation under 15 U.S.C. 1681n & 1681o, subjecting your agency to statutory damages, punitive damages, and potential injunctive relief.\n\nI will seek {$1000.00} per violation of the FCRA, GAAP, and contractual laws breached, along with additional pen\nalties for deceptive financial reporting practices and breaches of agency and trust law.\n\n5. Legal Notice & Reservation of Rights This letter serves as prima facie evidence of my dispute and lawful demand. All rights are reserved under UCC 1-308, and no contractual presumptions may be made against me without my explicit consent. \n\nI expect full compliance and a written response within 30 days. \n\nSincerely, XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Non-Domestic, Without Prejudice All Rights Reserved, UCC 1-308 LAWS ENFORCING REDEMPTION OF LAWFUL MONEY, MONETARY RIGHTS & SECURITIES ACCOUNTING 1 . Federal Laws Governing Lawful Money & Monetary Rights 12 U.S.C. 411 Lawful Money Redemption Grants the right to demand all transactions be redeemed in lawful money rather than Federal Reserve Notes ( FRNs ).\n\n31 U.S.C. 5103 Legal Tender Laws Defines what constitutes legal tender, establishing how financial institutions must recognize different forms of lawful payment.\n\n31 U.S.C. 3124 Exemption from Taxation on Federal Obligations Protects interest-bearing federal obligations from state taxation, reinforcing the obligation to account for lawful money correctly. \nHouse XXXX XXXX ( XXXX ) XXXX of XXXX Suspension of Gold Redeemability Prevents creditors from demanding payments in gold and reinforces the need to settle obligations through credit, setoff, and discharge.\n\n2. Uniform Commercial Code ( UCC ) Negotiable Instruments & Discharge of Debt UCC 1-201 ( 24 ) D\nefinition of Money Reinforces that lawful money is not the same as Federal Reserve Notes ( FRNs ).\n\nUCC 3-104 Negotiable Instruments Recognizes promissory notes and checks as negotiable instruments, requiring proper endorsement and crediting.\n\nUCC 3-306 Holder in Due Course Protection Protects those who have given valuable consideration from unjust claims.\n\nUCC 3-603 Tender of Payment States that when payment is tendered and refused, the obligation is discharged.\n\nUCC 3-604 Discharge by Cancellation or Renunciation Any financial instrument can be discharged wh\nen obligations have been satisfied.\n\nUCC 9-102 ( a ) ( 64 ) Definition of Secured Party Clarifies the status of individuals with a security interest in their own promissory notes.\n\nUCC 9-210 Request for Accounting & Secured Party Status Gives the right to demand a full accounting of financial instruments, CUSIP numbers, and securities transactions.\n\n3. Trust & Contract Law ( Fiduciary Duty & Fair Dealing ) Restatement ( Second ) of Contracts 205 Duty of Good Faith and Fair Dealing Creditors must act honestly and fairly in their financial dealings.\n\nUniform Trust Code 802 Duty of Loyalty Trustees ( banks, credit bureaus, and institutions ) must act solely in the interest of the beneficiary.\n\nUniform Trust Code 813 Duty to Inform and Account All trustees must provide full disclosure and accounting of transactions.\n\nSecurities Exchange Act of 1934 ( 15 U.S.C. 78q ( a ) ) Recordkeeping & Reporting Financial institutions must maintain accurate and transparent records.\n\nFair Debt Collection Practices Act ( 15 U.S.C. 1692g ) Validation of Debts Requires written proof of any alleged debts, including the original wet-ink contract. 4. Financial Accounting & Securities Regulations\n( GAAP Compliance ) GAAP ASC 305 Cash Equivalents Accounting Requires proper classification of monetized promissory notes as cash assets.\n\nGAAP ASC 310 Receivables Accounting Prevents double booking of debts after securitization.\n\nGAAP ASC 860 Accounting for Transfers & Servicing of Financial Assets Requires financial institutions to properly record asset transfers and securitization.\n\nSecurities Act of XXXX ( 15 U.S.C. 77a et seq. ) Securities Registration & Disclosure Ensures full transparency when securities are created from credit applications.\n\n5. Consumer Protection & Fair Credit Reporting ( FCRA & Privacy Laws ) 15 U.S.C. 1681e ( b ) Duty to Maintain Maximum Possible Accuracy Credit bureaus must ensure all information is verified, accurate, and non-deceptive.\n\n15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) Prohibition Against Furnishing Inaccurate Information Institutions must correct or del\nete false financial data.\n\n15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Right to Dispute and Reinvestigation Grants the right to demand an investigation into erroneous financial reporting.\n\n15 U.S.C. 1681n & 1681o Remedies for Willful & Negligent Violations Authorizes damages of {$1000.00} per violation.\n\nGramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ) Privacy Protection Requires financial institutions to safeguard personal financial data.\n\n6. Agency Law & Legal Remedies Restatement ( Third ) of Agency 1.01 Agency Relationship Defined Establishes that credit bureaus act as agents for financial institutions.\n\nRestatement ( Third ) of Agency 8.06 Duty to Transmit Information Requires agents ( credit bureaus ) to relay all disputes and communications to their principals ( financial institutions ).\n\nTort Law ( Willful Negligence & Malicious Misrepresentation ) Holds institutions liable for economic damage caused by false financial reporting.\n\nENFORCEMENT DEMAND SUMMARY 1. Lawful Money Redemption All transactions must be redeemed in lawful money per 12 U.S.C. 411. \nAll redeemed funds must be deposited into XXXX  XXXX Account # XXXX. \n\n2. Debt Setoff & Discharge Tender of payment already made ( UCC 3-603, 3-604 ).\n\nDebts should be written off under GAAP ASC 310.\n\n3. Financial Instrument Disclosure All se\ncuritizations, CUSIP numbers, and trusts must be disclosed per UCC 9-210.\n\nFinancial reporting must comply with the Securities Act of 1933.\n\n4. Credit Report Dispute All inaccurate tradelines must be removed per FCRA ( 15 U.S.C. 1681i ).\n\nFailure to correct errors results in {$1000.00} per violation under 15 U.S.C. 1681n & 1681o.\n\n5. Legal Recourse Failure to comply will result in complaints filed with the CFPB, FTC, and Attorney General. \nPotential litigation for injunctive relief, economic damages, and punitive penalties. \n\nFINAL DEMAND I, XXXX ; XXXX XXXX, demand immediate compliance with these legal obligations. I expect full correction of my credit reports, financial disclosure of my instruments, and redemption of all lawful money owed to my estate. \n\nFailure to act within 30 days will be considered willful negligence and a direct violation of statutory, contractual, and fiduciary obligations.","date_sent_to_company":"2025-02-27T11:01:09.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30032","tags":null,"has_narrative":true,"complaint_id":"12268163","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-27T10:38:00.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Securities</em> Act of XXXX ( 15 U.S.C. 77a et seq. ) <em>Securities</em> Registration & Disclosure Ensures <em>full</em> transparency when <em>securities</em> are created from credit applications.\n\n5."]},"sort":[11.018811,"12268163"]},{"_index":"complaint-public-v1","_id":"12580129","_score":10.828243,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> Resurgent Capital Services, Resurgent Correspondence XXXX XXXX XXXX XXXX, SC XXXX Re : Alleged Debt Collection Concerning Account Reference Number : Account Number : Ending in XXXX Original CreditoXXXX XXXX XXXX XXXX XXXX XXXX Owner : Resurgent Receivables LLC Resurgent ID : XXXX NOTICE OF FORMAL DISPUTE & DEMAND FOR LEGAL COMPLIANCE To Whom It XXXX Concern, This letter serves as formal notice of dispute regarding the alleged obligation referenced above. Your attempt to collect on this account constitutes a claim requiring strict compliance with federal and state consumer protection laws. Your collection efforts appear to be in bad faith and in direct violation of XXXX XXXX. XXXX et seq., raising material legal concerns regarding securitization, standing, and misrepresentation of the nature of this obligation. \n\nYou are hereby placed on notice that failure to comply with the demands outlined below will result in immediate legal action, regulatory filings, and pursuit of statutory damages under federal and state law. Additionally, if this matter is referred to a law firm for litigation, I will move for immediate sanctions and file formal complaints with the state bar against any attorney involved, as they would be knowingly advancing a claim without standing in violation of ethical standards. \n\nI. FAILURE TO PROVE LEGAL STANDING & SECURITIZATION CHALLENGE Under federal law, the nature of an obligation fundamentally changes when it is securitized. The Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( XXXX ), defines a debt as an obligation owed to a creditor. However, securitization removes the legal classification of an obligation as a debt and converts it into an investment-backed security. If this alleged account has been securitized, the receivables were bundled into an asset-backed security ( ABS ) and sold to investors, severing any legal claim you XXXX have under traditional debt collection laws. \nIf the original creditor sold, assigned, or securitized this account, your firm lacks standing to collect or enforce any claim in a judicial or non-judicial forum. \nIf your firm can not produce a full chain of title proving direct ownership, your collection efforts are a deceptive and unfair practice under XXXX XXXX. XXXX and XXXX. \nAny attempt to misrepresent a securitized receivable as a collectible debt constitutes material fraud and exposes your firm to litigation and regulatory scrutiny. \n\nXXXX. DEMAND FOR STRICT PROOF OF LEGAL OWNERSHIP Pursuant to XXXX U.S.C. XXXX ( b ), I formally dispute the validity of this claim. Your firm must provide : XXXX. XXXX of XXXX XXXX Was this account transferred into a securitization trust? \nProvide the XXXX & XXXX XXXX ( XXXX ) or relevant securitization documents. \nIdentify the current beneficial owner of the alleged obligation. \nXXXX. Full Chain of XXXX & Assignment History Produce the original signed contract between the alleged debtor and the original creditor. \nProvide all bills of sale, purchase agreements, and assignments proving your firms legal right to collect. \nIdentify the date, method, and price of any sale or transfer of the account. \nXXXX. Clarification of Legal Status : Account XXXX vs. XXXX If the alleged obligation was securitized, it became a tradeable asset, not a consumer debt. \nYou must confirm in writing whether you are collecting on a debt or an account receivable assigned to investors. \nIf you can not provide the above documentation, your firm lacks legal standing to collect. Continued collection efforts constitute intentional misrepresentation and deceptive practices, warranting legal action. \n\nXXXX. DEMAND FOR STATUTORY DAMAGES & NOTICE OF PRE-LITIGATION CLAIM Your violations of the FDCPA, state deceptive trade laws, and securitization misrepresentation expose you to legal liability. The following statutory damages are now being assessed : Misrepresentation of the Nature of the Obligation ( XXXX ( XXXX ) ( A ) ) {$1000.00} Attempting to Collect Without Legal Standing ( XXXX ( XXXX ) ) {$1000.00} Based on the above, I am demanding {$2000.00} in statutory damages. If this matter is not resolved, I will initiate legal proceedings, which XXXX include : Filing a lawsuit for violations of the FDCPA and state consumer laws Submitting regulatory complaints with the FTC and XXXX authorities Seeking an injunction against further collection efforts Additionally, if this case is referred to a law firm for litigation, I will immediately move for sanctions against the attorneys involved, as they will be knowingly advancing a claim that is legally indefensible. \n\nIV. REQUIRED RESPONSE & NEXT STEPS Within XXXX ( XXXX ) days, you must provide : XXXX. A formal cease-and-desist confirmation stating that no further collection attempts will be made until full documentation is produced. \nXXXX. A complete chain of title proving direct ownership and the right to collect. \nXXXX. Confirmation that your firm will comply with all federal and state consumer protection laws moving forward. \n\nFailure to comply with these demands will be treated as willful non-compliance, resulting in immediate legal escalation. \n\nThis letter shall serve as official notice of dispute and pre-litigation warning under both federal and state law. \n\nV. FINAL NOTICE TO CEASE UNLAWFUL COLLECTION EFFORTS As this matter now involves legal claims, I demand that your firm immediately cease all collection activity until strict validation has been provided. \nNo further collection calls or emails shall be made regarding this disputed claim. \nNo negative credit reporting shall be made unless full legal standing is proven. \nNo further action shall be taken unless this account is fully validated with proper legal documentation. \n\nIf your firm fails to comply, I reserve all legal rights, including filing a civil lawsuit, pursuing state and federal regulatory action, and seeking punitive damages for willful violations of consumer protection laws. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX","date_sent_to_company":"2025-03-20T20:26:47.000Z","issue":"Electronic communications","sub_product":"I do not know","zip_code":"305XX","tags":null,"has_narrative":true,"complaint_id":"12580129","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-03-20T20:14:23.000Z","state":"GA","company_public_response":null,"sub_issue":"Frequent or repeated messages"},"highlight":{"complaint_what_happened":["This letter shall <em>serve</em> as official notice of dispute and pre-litigation warning under both federal and state law. \n\nV. FINAL NOTICE TO CEASE UNLAWFUL COLLECTION EFFORTS As this matter now involves legal claims, I demand that your firm immediately cease all collection activity until strict validation has been <em>provided</em>. \nNo further collection calls or emails shall be made regarding this disputed claim. \nNo negative credit reporting shall be made unless <em>full</em> legal standing is proven."]},"sort":[10.828243,"12580129"]},{"_index":"complaint-public-v1","_id":"13964946","_score":10.719631,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Formal Debt Dispute & Rescission Letter ( TILA & FCRA Violations ) Subject : Formal RESCISSION OF FRAUDULENT VEHICLE CONTRACT DEMAND FOR DEBT DISCHARGE, TITLE RELEASE & CREDIT REPORT DELETION XXXX Auto Loan Account # XXXX To Whom It May Concern, I, XXXX XXXX XXXX XXXX, am writing in my capacity as the legal beneficiary and consumer regarding the above-referenced XXXX Auto Loan. This correspondence serves as both a formal dispute of debt under the Fair Debt Collection Practices Act ( FDCPA ), and a notice of rescission of contract under the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., due to material violations, misrepresentations, and fraud in the inducement. \nUpon comprehensive review of the loan documentation and associated disclosures, I have identified the following violations and unlawful practices : ________________________________________ 1. TILA Violations & Right to Rescind ( 15 U.S.C. 1635, 1602 ( u ) ) : Undisclosed and Bundled Finance Charges : The loan agreement contains finance charges, dealer add-ons, or optional insurance products that were not clearly and conspicuously disclosed in the TILA disclosure statement, in violation of 15 U.S.C. 1638 and Regulation Z ( 12 C.F.R. Part 1026 ).\n\nCoercion or Lack of Meaningful Choice : The structure of the agreement and the circumstances under which I entered into the contract indicate constructive duress. I was not adequately informed of my right to decline unnecessary or predatory financial products. \nNo Clear Disclosure of XXXX or Total Cost of Credit : The XXXX XXXX have been manipulated or understated through deceptive packaging of fees and charges. \nFailure to Provide Right of Rescission Notice : As required under 15 U.S.C. 1635 ( a ), no meaningful three-day notice of right to rescind was provided at the time of contract.\n\n________________________________________ 2. Securities Fraud & Fiduciary Breach : Failure to credit my certificate of indebtedness to the account constitutes both a securities violation and breach of fiduciary duty. \nNon-delivery of required IRS Form 1099-A by the statutory deadline impairs my ability to report properly to tax authorities and suggests further regulatory noncompliance.\n\nYou failed to credit Treasury coupon dividends and failed to reassess or return previous securities used to collateralize this loan, in violation of the Securities Exchange Act of 1934.\n\nFailing to credit my account monthly with the appropriate value or offset from my tendered certificate of indebtedness ; Failing to issue a timely Form 1099-A as required for tax compliance ; Failing to credit Treasury coupon dividends or assign due interest from the held security instrument ; Actively misreporting account status to credit bureaus, including false claims of XXXX, XXXX, and XXXX delinquencies, despite ongoing lawful disputes and account inconsistencies. \nThese acts collectively raise credible concerns of securities fraud and misappropriation, specifically the unlawful handling of financial instruments, violation of securities disclosure duties, and suppression of reportable trust activity as defined under XXXX securities law. \n3. Fair Credit Billing and Credit Reporting Violations Under the Fair Credit Billing Act and Electronic Funds Transfer Act, I dispute : The unlawful and erroneous reporting of fraudulent late payments to consumer reporting agencies ; Failure to furnish a legally mandated 1099-A or reconcile tax obligations ; Non-crediting of securities and EFT dividends due under your contractual obligations ; Violations of 15 U.S.C. 1681i ( a ) ( 5 ) for failing to correct, delete, or properly reinvestigate disputed and inaccurate data ; Breaches of 15 U.S.C. 1681s-2, where furnishers are prohibited from reporting information known or reasonably believed to be inaccurate. \nThese failures are not minor discrepanciesthey represent systemic violations that have resulted in tangible financial harm, impairing my ability to secure credit and interfering with lawful financial transactions.\n\n________________________________________ 4. FCRA Violations ( 15 U.S.C. 1681 et seq. ) : Reporting of fraudulent late payments and inconsistent account details on my credit report, despite multiple disputes and no verification, violates FCRA 1681i ( a ) ( 5 ) and 1681s-2.\n\nRe-insertion of a previously deleted account without prior notice is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ) and 623.\n\nYou have reported knowingly inaccurate or unverifiable data, failing to maintain reasonable procedures to ensure maximum possible accuracy. \nXXXX XXXX. XXXX ( b ) Duty to Ensure Maximum Accuracy 15 U.S.C. 1681i ( a ) ( 5 ) Duty to Delete Unverifiable Information Upon reinvestigation, any item that can not be verified must be promptly deleted. You have failed to do so.\n\n15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification You have failed to provide a description of the procedure used to verify the accuracy of the information, as required.\n\nMetro 2 CDIA Standards As a data furnisher, you are required to report in strict compliance with Metro 2 Format. The inaccurate late payment history violates this standard, rendering the information non-compliant and subject to deletion. \nReinsertion Without Proper Certification ( FCRA 611 ( b ) ) If this account was previously removed, its reinsertion without proper certification and notice within XXXX business days is unlawful. \nUnlawful Reinsertion Without Required Notice 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( FCRA Section 611 ( b ) ) : A deleted item may not be reinserted without certification of accuracy from the furnisher and written notice within XXXX ( XXXX ) business days to the consumer. \nThis account was previously removed and subsequently reinserted without notice or certification, making the reinsertion unlawful and further invalidating the accounts legitimacy XXXX_4. Metro 2 Format Violations ( CDIA Guidelines ) The data associated with this account is inconsistent with Metro 2 formatting requirements, which govern how consumer data must be reported. Non-compliant, vague, or unverifiable data must be removed immediately in accordance with FCRA 607 ( b ).\n\nMetro 2 Compliance Failures : o BS-22 ( Past Due Amount ) : Incorrectly reports {$0.00} while simultaneously listing delinquenciescreating a conflict in payment status and past due reporting. \no XXXX Payment History : Inconsistent sequence of OK and late codes ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... ), which violates the logical and chronological flow required under XXXX XXXX XXXX and is misleading. \no XXXX ( Date Opened ) : XX/XX/XXXX You must validate and certify this date in accordance with reporting guidelines. \no Account XXXX : Currently listed as XXXX ( XXXX ) while listing multiple historical delinquencies with no supporting documentation. \n5.Violation of Permissible Purpose XXXX 15 U.S.C. 1681b : Experian has failed to provide any proof that XXXX XXXX had a permissible purpose to obtain or furnish information on this account. This failure constitutes a material breach of FCRA guidelines. \n6. Demand for Immediate Action : Experian Must Follow Equifaxs Lead Equifax has already deleted this account from their reporting system over XXXX XXXX ago based on the same facts and laws presented here. Experians continued reporting is not only inconsistent with best industry practicesit exposes Experian to liability for willful non-compliance under the FCRA and related regulations Pursuant to XXXX, FCRA, XXXX compliance and applicable state consumer protection laws, I demand the following : 1. Rescind the Loan Contract in Full under 15 U.S.C. 1635 due to failure to disclose material terms and the presence of fraudulent inducement.\n\n2. Cease and Desist All Collection and Reporting Activities related to this account, pending resolution of these legal disputes.\n\n3. Delete All Related Negative Information from my credit reports with all CRAs ( Experian, TransUnion, and Equifax ). \n4. Refund Any Overpaid Amounts and restore to me any securities, coupons, or tax instruments unlawfully withheld. \n5. Provide a Full Accounting and XXXX XXXX of all funds, securities, and credits related to this loan. \n6. Discharge of XXXX and Account XXXX 1. Immediate zeroing of all balances, fees, and interest due under the above-referenced account ; 2. Full deletion of inaccurate late payment marks from all consumer credit bureaus ; 3. An updated account status marked as \" Pays as Agreed '' or equivalent ; 7. Restitution of Securities and Dividend Payments 1. Return and/or reassignment of all securities and dividends historically withheld or misdirected ; 2. Reallocation of all historical dividends and interest to my XXXX Account ( # XXXX, Routing # XXXX ) ; 8. Issuance of 1099-A and Legal Compliance Documentation 1. Furnish Form 1099-A retroactively and going forward as required by law ; 2. Provide written acknowledgment of compliance with all federal financial and securities reporting requirements ; 9. Comprehensive Internal Investigation and Report 1. Conduct a formal audit and investigation into these matters ; 2. Provide a written summary of findings, including steps to prevent further violations ; 10. Good Faith Resolution to Avoid Litigation 1. Failure to respond and comply in full within the statutory period will result in legal escalation, including but not limited to arbitration, formal complaints to the SEC, CFPB, and FTC, and pursuit of all remedies under U.S. securities and consumer law.\n\nI am entitled to civil relief under the following : 11. 15 U.S.C. 1681n For willful noncompliance, I may recover actual damages, statutory damages ( {$100.00} {$1000.00} per violation ), punitive damages, and legal costs.\n\n12. 15 U.S.C. 1681o For negligent noncompliance, I may recover actual damages and legal fees.\n\n13. 15 U.S.C. 1692k For additional damages if the account was reported or collected under false pretenses 7. Trustee Notification Be advised that identical documentation, including copies of my endorsed certificate of indebtedness and related instruments, has been sent to your indentured trustee, XXXX Bank, for further review and escrow evaluation. They are under notice of the securities implications herein and are expected to conduct their fiduciary oversight accordingly. \n________________________________________ Final Warning and Reservation of Rights This letter serves as a prima facie case of violation and is intended to preserve my rights under the aforementioned statutes. Any further delay, retaliation, or misreporting will be construed as bad faith and breach of fiduciary duty, and will be met with an appropriate legal response. \nI reserve the right to pursue civil and regulatory remedies, including but not limited to monetary damages, injunctive relief, and punitive sanctions, as authorized by federal law. All communications going forward must be in writing and sent to the address listed below. \n\nFailure to comply within XXXX XXXX of receipt will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Securities and Exchange Commission ( SEC ), and the Office of the Comptroller of the Currency ( XXXX ). Legal action, including arbitration or civil claims, XXXX also be pursued. \nRespectfully, XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-06-08T23:01:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33313","tags":null,"has_narrative":true,"complaint_id":"13964946","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-08T23:00:44.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Refund Any Overpaid Amounts and restore to me any <em>securities</em>, coupons, or tax instruments unlawfully withheld. \n5. Provide a <em>Full</em> Accounting and XXXX XXXX of all funds, <em>securities</em>, and credits related to this loan. \n6. Discharge of XXXX and Account XXXX 1. Immediate zeroing of all balances, fees, and interest due under the above-referenced account ; 2. <em>Full</em> deletion of inaccurate late payment marks from all consumer credit bureaus ; 3."]},"sort":[10.719631,"13964946"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":226,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":226}]}},"product":{"doc_count":226,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":96,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":94},{"key":"Other personal consumer report","doc_count":2}]}},{"key":"Debt collection","doc_count":31,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":11},{"key":"Auto 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