{"took":476,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":353,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11375932","_score":17.662983,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"It was a data breach, and my information was leaked due to the major data breach, and I would like for you to fix and protect my credit due to the leakage of my personal information such as my name, my raise my gender, my XXXX, my Social Security number, and my date of birthIt has been leaked on a black web, and Im demanding my credit to be fixed due to the big credit companieswere leaking my information and now my credit and identity is in jeopardy and Ive seen my information come up on the Black web. Which led to me being a victim of identity, theft a many of times even with getting my state ID someone had my information and lived as me for about two years. \nThe amendments expand the definition of breach of security to include unauthorized access to personal information regardless of whether it can be shown that the bad actor acquired the information. Prior to the amendments, Pennsylvania law required notification if personal information was accessed and acquired. The new, broader definition of a breach of security ( similar to many other states ) requires organizations to notify affected individuals and authorities even when data is only accessed. This change acknowledges the pervasive threat of ransomware attacks and other cybersecurity threats : data can be compromised without being exfiltrated and threat actors have sophisticated means to conceal technical evidence of their actions. This change heightens compliance and liability considerations, emphasizing the need for organizations to adopt robust cybersecurity measures and a comprehensive incident response plan to address the complexities of unauthorized data access.","date_sent_to_company":"2025-01-03T10:57:21.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19141","tags":null,"has_narrative":true,"complaint_id":"11375932","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-03T10:57:18.000Z","state":"PA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The new, broader definition of a breach of <em>security</em> ( <em>similar</em> to <em>many</em> <em>other</em> <em>states</em> ) requires organizations to notify affected individuals and authorities even when data is only accessed. This change acknowledges the pervasive threat of ransomware attacks and <em>other</em> cybersecurity threats : data can be compromised without being exfiltrated and threat actors have sophisticated means to conceal technical evidence of their actions."],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[17.662983,"11375932"]},{"_index":"complaint-public-v1","_id":"11362135","_score":17.644213,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"It was a data breach, and my information was leaked due to the major data breach, and I would like for you to fix and protect my credit due to the leakage of my personal information such as my name, my raise my gender, my sex, my Social Security number, and my date of birthIt has been leaked on a black web, and Im demanding my credit to be fixed due to the big credit companieswere leaking my information and now my credit and identity is in jeopardy and Ive seen my information come up on the Black web. Which led to me being a victim of identity, theft a many of times even with getting my state ID someone had my information and lived as me for about two years.\n\nThe amendments expand the definition of breach of security to include unauthorized access to personal information regardless of whether it can be shown that the bad actor acquired the information. Prior to the amendments, Pennsylvania law required notification if personal information was accessed and acquired. The new, broader definition of a breach of security ( similar to many other states ) requires organizations to notify affected individuals and authorities even when data is only accessed. This change acknowledges the pervasive threat of ransomware attacks and other cybersecurity threats : data can be compromised without being exfiltrated and threat actors have sophisticated means to conceal technical evidence of their actions. This change heightens compliance and liability considerations, emphasizing the need for organizations to adopt robust cybersecurity measures and a comprehensive incident response plan to address the complexities of unauthorized data access.","date_sent_to_company":"2025-01-03T10:57:21.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19141","tags":null,"has_narrative":true,"complaint_id":"11362135","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-03T10:57:18.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The new, broader definition of a breach of <em>security</em> ( <em>similar</em> to <em>many</em> <em>other</em> <em>states</em> ) requires organizations to notify affected individuals and authorities even when data is only accessed. This change acknowledges the pervasive threat of ransomware attacks and <em>other</em> cybersecurity threats : data can be compromised without being exfiltrated and threat actors have sophisticated means to conceal technical evidence of their actions."],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[17.644213,"11362135"]},{"_index":"complaint-public-v1","_id":"11377335","_score":17.628937,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"It was a data breach, and my information was leaked due to the major data breach, and I would like for you to fix and protect my credit due to the leakage of my personal information such as my name, my raise my gender, my sex, my Social Security number, and my date of birthIt has been leaked on a black web, and Im demanding my credit to be fixed due to the big credit companieswere leaking my information and now my credit and identity is in jeopardy and Ive seen my information come up on the Black web. Which led to me being a victim of identity, theft a many of times even with getting my state ID someone had my information and lived as me for about two years.\n\nThe amendments expand the definition of breach of security to include unauthorized access to personal information regardless of whether it can be shown that the bad actor acquired the information. Prior to the amendments, Pennsylvania law required notification if personal information was accessed and acquired. The new, broader definition of a breach of security ( similar to many other states ) requires organizations to notify affected individuals and authorities even when data is only accessed. This change acknowledges the pervasive threat of ransomware attacks and other cybersecurity threats : data can be compromised without being exfiltrated and threat actors have sophisticated means to conceal technical evidence of their actions. This change heightens compliance and liability considerations, emphasizing the need for organizations to adopt robust cybersecurity measures and a comprehensive incident response plan to address the complexities of unauthorized data access.","date_sent_to_company":"2025-01-03T10:57:09.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19141","tags":null,"has_narrative":true,"complaint_id":"11377335","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-03T10:35:28.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The new, broader definition of a breach of <em>security</em> ( <em>similar</em> to <em>many</em> <em>other</em> <em>states</em> ) requires organizations to notify affected individuals and authorities even when data is only accessed. This change acknowledges the pervasive threat of ransomware attacks and <em>other</em> cybersecurity threats : data can be compromised without being exfiltrated and threat actors have sophisticated means to conceal technical evidence of their actions."],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[17.628937,"11377335"]},{"_index":"complaint-public-v1","_id":"7024689","_score":12.97155,"_source":{"product":"Debt collection","complaint_what_happened":"My financial accounts and technology were all compromised as a result of the following XXXX  compromise : Someone found a way to bypass the two-factor authentication ( 2FA ) security measure at XXXX XXXX and compromise countless accounts. \n\nFollowing the bypass, the attackers are able to use the compromised accounts to try and take over cryptocurrency exchange accounts and cloud storage services. \n\nOn XX/XX/XXXX XXXX email users started getting notified of changes to their account information, but their passwords were already changed so they couldnt enter. Those that managed to get back into the account found that a secondary email address was added to the account, from a disposable domain XXXX \n\nSponsored Links This Year 's XXXX Lineup Is Turning Heads -- And Finally On Sale! \nBest XXXX Deals | Search Ads Bypassing 2FA The secondary email address is a security measure used by some email providers that help with password resets, account notifications, and similar. \n\nRECOMMENDED VIDEOS FOR YOU... \nCLOSE Many of the victims took to XXXX, XXXX, and XXXX  forums to discuss what had happened, and said that they had 2FA enabled. So, whoever was behind the attack, managed to guess the password with credential stuffing, and then managed to bypass the two-factor authentication security measure. XXXX report states the attackers used a privately circulated OTP ( one-time password ) bypass which allowed them to generate working 2FA verification codes. \n\nREAD MORE XXXX XXXX publishes XXXX 'unlisted ' phone numbers online > What is 2FA and MFA? \n\n> These are the best firewalls right now That gave them access to the account, and adding the secondary, disposable email account, allowed them to perform the password reset process. \n\nAfter gaining complete control over the compromised email accounts, the threat actors then proceeded to breach further online services, assuming people 's identities to request email resets. XXXX, XXXX, XXXX, and XXXX, are just some of the services that the threat actors tried to breach. \n\nXXXX is keeping silent on the matter for the time being, but a customer said on XXXX that the firm is aware of the incident and is currently investigating. The same source also said that according to a customer support employee they spoke to, the issue seems to be quite widespread. \n\nAs a result, my financial accounts were all compromised, my technology was all hacked, I lost by business, and my health, requiring hospitalization, among other losses. I attempted to resolve this with XXXX directly several times, even requesting that they come out to fix the problem, but all they did was bring me a new box.","date_sent_to_company":"2023-06-29T22:03:48.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"21044","tags":null,"has_narrative":true,"complaint_id":"7024689","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Southwest Credit Systems, L.P.","date_received":"2023-05-24T17:59:03.000Z","state":"MD","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Best XXXX Deals | Search Ads Bypassing 2FA The secondary email address is a <em>security</em> measure used by some email providers that help with password resets, account notifications, and <em>similar</em>. \n\nRECOMMENDED VIDEOS FOR YOU... \nCLOSE <em>Many</em> of the victims took to XXXX, XXXX, and XXXX  forums to discuss what had happened, and said that they had 2FA enabled."],"sub_product":["<em>Other</em> debt"]},"sort":[12.97155,"7024689"]},{"_index":"complaint-public-v1","_id":"9039563","_score":12.907646,"_source":{"product":"Checking or savings account","complaint_what_happened":"I hold two accounts with JPMorgan Chase : a checking account with a balance of {$11000.00} and a savings account with {$20000.00}.\n\nThe primary use of these accounts was for normal transactions among friends, many of whom are international students from XXXX. This included paying for goods, tuition fees, and other similar transactions. \n\nXX/XX/XXXX : My accounts were unexpectedly frozen by Chase. \n\nXX/XX/XXXX : I received formal notification of the account freeze. At this time, I was in XXXX due to XXXX and unable to travel to the U.S. to address this issue directly due to travel and visa restrictions.Since my account was closed in XXXX, I have made numerous phone calls, during which Chase Bank representatives consistently informed me it was 'under review. ' In XXXX, I was told that I needed to come to the United States to resolve the issue, prompting me to apply for a visa. \n\nXX/XX/XXXX : After years of attempting to resolve the issue remotely through numerous phone calls, I visited a Chase branch in the U.S. once travel was feasible. I was initially informed that the funds would be released within XXXX days. \n\nXX/XX/XXXX : I was informed that the funds had been transferred to Chases Global Security and Investigations Department and that they would not be released due to \" suspicious activities. '' Chase has withheld my funds totaling over {$30000.00} without providing a detailed or justifiable reason. This action was taken under the guise of the funds being involved in suspicious activities, though these were legitimate transactions among peers for everyday expenses like shopping and tuition. \nThe bank has now stated that they intend to permanently seize these funds. \n\nI believe that the bank 's actions to permanently seize my funds without clear justification or adequate communication is illegal.","date_sent_to_company":"2024-05-18T15:20:12.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"33176","tags":null,"has_narrative":true,"complaint_id":"9039563","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-05-18T14:53:29.000Z","state":"FL","company_public_response":null,"sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["The primary use of these accounts was for normal transactions among friends, <em>many</em> of whom are international students from XXXX. This included paying for goods, tuition fees, and <em>other</em> <em>similar</em> transactions. \n\nXX/XX/XXXX : My accounts were unexpectedly frozen by Chase. \n\nXX/XX/XXXX : I received formal notification of the account freeze."]},"sort":[12.907646,"9039563"]},{"_index":"complaint-public-v1","_id":"1620218","_score":12.89664,"_source":{"product":"Credit card","complaint_what_happened":"I was a Chase Bank credit card customer. \nYesterday, Chase Bank closed all my credit card without any notification. \nNext day, I called to Customer Specialist and she said my account was closeddue to 1 ) Limited credit history, 2 ) High utilization. \nI could not understand XXXX reason to close my account. \n1 ) Limited credit history? \nThis credit factor was already reviewed when I applied the credit card. \nThey already knew my credit history. However, they closed due to limited credit history? \n2 ) High utilizationThe reason why I had a lot of expense is my engagement. \nBecause me and my fianc planned to travel to other states. \nAlso, when I called to the customer center and security department due to using my credit card, nobody told me about high utilization. \nI am really wondering why Chase Bank closed my account before due date. \nMy due date is XXXX. And I could afford to pay full payment even month ( I made a full payment today ). \nChase bank consider me as a risky person even though my due date is not coming? \nI think many people have a time to have a lot of expense. \nBut I always using the credit if I could make a full payment. \nI am upset because they consider me as a risky person even though I can easily pay for it. \nThe reason why I used Chase Bank credit card is that I would like to build good relationship with Chase Bank. After this event, I am searching similar case with Chase. And I was shocked there a lot of case they closed account WITHOUT NOTIFICATION. \nThank you.","date_sent_to_company":"2015-10-22T18:10:52.000Z","issue":"Closing/Cancelling account","sub_product":null,"zip_code":"10016","tags":null,"has_narrative":true,"complaint_id":"1620218","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2015-10-22T18:10:51.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Because me and my fianc planned to travel to <em>other</em> <em>states</em>. \nAlso, when I called to the customer center and <em>security</em> department due to using my credit card, nobody told me about high utilization. \nI am really wondering why Chase Bank closed my account before due date. \nMy due date is XXXX. And I could afford to pay full payment even month ( I made a full payment today ). \nChase bank consider me as a risky person even though my due date is not coming?"]},"sort":[12.89664,"1620218"]},{"_index":"complaint-public-v1","_id":"9732965","_score":12.699646,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I signed up for an online fitness program from a company named XXXX, during the signup process the person said sign here check here, initial. I never told them I was unable to pay or I needed a payment plan, I was very clear I was more than capable of paying. But I was unable to start as the medication I just started made me dizzy. I informed them and I told them I could not start. They said we are sorry to see you go. Then I got messages and texts XXXX after the other saying your Affirm loan was past due, at the same time I got a credit alert saying my credit score went down, my credit score for the last XXXX years had been mid XXXX, and it had gone down to XXXX, it said unpaid loan to Affirm, that was due for XXXX company. I called Affirm, and every time they said don't worry this is a scam, will correct it, I same answer, but the customer care calls, were, from, XXXX, the XXXX, and all over the world, but the answer was pretty similar, this is a scam, we are sorry. But now they say I am responsible, as the XXXX company rules and they can not do anything. There are so many complaints and legal actions taken by consumers, there is a class action lawsuit by shareholders, but they just don't care. They just ruin innocent people 's lives, it took me so much effort and hard work to have an XXXX credit score. You are there to protect the consumer.I hope you look into the matter. \n\n\" As of XX/XX/XXXX, XXXX was the lead counsel in a securities class action lawsuit against Affirm Holdings , Inc. ( Affirm ). The lawsuit, filed in the United States District Court for XXXX XXXX XXXX XXXXXXXX XXXX, claims that Affirm misled investors about the risks and benefits of its services, as well as its compliance with consumer protection laws. The lawsuit was filed on behalf of people who purchased Affirm securities between XX/XX/XXXX and XX/XX/XXXX. The lawsuit also claims that Affirm 's public statements were false and misleading, and that the company was exposed to a higher risk of regulatory scrutiny ''","date_sent_to_company":"2024-08-08T02:06:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"088XX","tags":null,"has_narrative":true,"complaint_id":"9732965","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Affirm Holdings, Inc","date_received":"2024-08-08T01:26:54.000Z","state":"NJ","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["\" As of XX/XX/XXXX, XXXX was the lead counsel in a <em>securities</em> class action lawsuit against Affirm Holdings , Inc. ( Affirm ). The lawsuit, filed in the United <em>States</em> District Court for XXXX XXXX XXXX XXXXXXXX XXXX, claims that Affirm misled investors about the risks and benefits of its services, as well as its compliance with consumer protection laws. The lawsuit was filed on behalf of people who purchased Affirm <em>securities</em> between XX/XX/XXXX and XX/XX/XXXX."],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[12.699646,"9732965"]},{"_index":"complaint-public-v1","_id":"9733030","_score":12.691418,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I signed up for an online fitness program from a company named XXXX, during the signup process the person said sign here check here, initial. I never told them I was unable to pay or I needed a payment plan, I was very clear I was more than capable of paying. But I was unable to start as the medication I just started made me dizzy. I informed them and I told them I could not start. They said we are sorry to see you go. Then I got messages and texts one after the other saying your XXXX loan was past due, at the same time I got a credit alert saying my credit score went down, my credit score for the last 15 years had been mid XXXX, and it had gone down to XXXX, it said unpaid loan to XXXX, that was due for XXXX company. I called XXXX, and every time they said don't worry this is a scam, will correct it, I same answer, but the customer care calls, were, from, XXXX, the XXXX, and all over the world, but the answer was pretty similar, this is a scam, we are sorry. But now they say I am responsible, as the XXXX company rules and they can not do anything. There are so many complaints and legal actions taken by consumers, there is a class action lawsuit by shareholders, but they just don't care. They just ruin innocent people 's lives, it took me so much effort and hard work to have an XXXX credit score. You are there to protect the consumer.I hope you look into the matter. \n\n\" As of XX/XX/XXXX, XXXX was the lead counsel in a securities class action lawsuit against XXXX XXXX XXXX XXXX ( XXXX ). The lawsuit, filed in the United States XXXX XXXX for XXXX XXXX XXXX XXXX California, claims that Affirm misled investors about the risks and benefits of its services, as well as its compliance with consumer protection laws. The lawsuit was filed on behalf of people who purchased XXXX securities between XX/XX/XXXX and XX/XX/XXXX. The lawsuit also claims that XXXX 's public statements were false and misleading, and that the company was exposed to a higher risk of regulatory scrutiny ''","date_sent_to_company":"2024-08-12T15:19:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"088XX","tags":null,"has_narrative":true,"complaint_id":"9733030","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-08T02:06:40.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["\" As of XX/XX/XXXX, XXXX was the lead counsel in a <em>securities</em> class action lawsuit against XXXX XXXX XXXX XXXX ( XXXX ). The lawsuit, filed in the United <em>States</em> XXXX XXXX for XXXX XXXX XXXX XXXX California, claims that Affirm misled investors about the risks and benefits of its services, as well as its compliance with consumer protection laws. The lawsuit was filed on behalf of people who purchased XXXX <em>securities</em> between XX/XX/XXXX and XX/XX/XXXX."],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[12.691418,"9733030"]},{"_index":"complaint-public-v1","_id":"9274213","_score":12.336235,"_source":{"product":"Checking or savings account","complaint_what_happened":"Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Dear sir, I have received the documents prepared on XX/XX/year> regarding the Wells Fargo case no. XXXX and XXXX about account numbers ending in XXXX and XXXX. The CFPB case number is XXXX. You also included the letters written from the office of Wells Fargo Bank , N.A . XXXX XXXX and XXXX, addressed XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX. The documents on XX/XX/year> has dispute ID no. XXXX for account ending in XXXX. XXXX on XX/XX/year> has dispute ID no. XXXX for account ending in XXXX. The last one with dispute ID XXXX is for the account ending in XXXX. Both accounts, XXXX and XXXX, were meant for my business, the XXXX XXXX, and both were closed just after the Pandemic started with the belief, I would move to XXXX, NY after the completion of my degree with XXXX XXXX XXXX. Those accounts did not have any overdrafts and other issues to be criticized by your company. I do not remember whether your company branch sent me similar documents from the section of overdraft collection and recovery, since I closed the accounts because your company did not have the branch in XXXX, NY. Even if I do not remember whether I received similar documents in XXXX, I need to state that I do not have adequate reasons to be contacted by this section. As I am already having the identity theft report from FTC and my data which should be kept securely seems to be spoiled or made into disorder, it might be in vain to contact with them. Anyway, I have many CFPB cases with most of credit report companies. To receive the proper and organized credit reports created and recognized socially in the United States, these credit report companies need to dare investigating and answering the questions I made in the past XXXX year. \nSince I do not have any accounts with Wells Fargo and did not have any overdraft, I consider asking private information including social security number and date of birth might be interfering the protection of privacy. If this office needs the FTC identity theft report, this office can ask me directly again with proper reason why it has contacted with me and asked to provide the personal information ; even though I do not have any relationship and overdraft with Wells Fargo. \nSince I have had unwanted calls and unpleasant conversation with several customer services, I prefer not to converse by phone. Also, I consider it is preferable by letters to make sure the communication is verified by the non-English speaking residents of the United States. Since you state there is no issue between Wells Fargo and I, I believe we do not have to communicate further ; even though there is some questions. Also, I prefer to communicate by official and public phone numbers of Wells Fargo more than suggested number XXXX. \nSincerely,","date_sent_to_company":"2024-06-16T20:48:26.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"076XX","tags":null,"has_narrative":true,"complaint_id":"9274213","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-06-16T20:46:01.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["Anyway, I have <em>many</em> CFPB cases with most of credit report companies. To receive the proper and organized credit reports created and recognized socially in the United <em>States</em>, these credit report companies need to dare investigating and answering the questions I made in the past XXXX year."]},"sort":[12.336235,"9274213"]},{"_index":"complaint-public-v1","_id":"13995829","_score":11.833321,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I've called numerous times. I do not remember the dates, but here is the letter I sent, that I paid for them to have to sign upon receiving. Which they did. I also left some comments on their XXXX  page the last couple of days, which were also ignored. Apparently, many other people had their share of words for similar reasons. I want Equifax banned from having anything to do with my credit report. The other 2 credit agencies are fine. Please remove them. They are harming and damaging our lives. It's not legal and they need to be shut down. Please read the comments under their XXXX  page if they haven't removed them. This is serious and effecting all of our lives. I need to move and this is really effecting my life and holding me up. They need to fix the problems they've caused with all of our credit reports and accounts and then they need to be shut down immediately. THIS IS UNACCEPTIBLE WHAT THEY ARE DOING TO PEOPLE! \n\n\nAttention : Equifax Information Services LLC, I am writing this letter in request that you fix whatever is going on with my account. I CAN NOT log into my account even with the correct password. It seems your information on me is incorrect. The other 2 Credit Bureaus are fine. I'm not sure what your issue is, but the fact that you outsource all of your calls to various countries around the world that you then have us give our MOST SENSITIVE AND PERSONAL information to and make it IMPOSSIBLE to talk to someone in OUR OWN COUNTRY, the USA, is UNACCEPTIBLE!!! How safe and secure can that possibly be? That could definitely be a big reason as to why we get so many scams from other countries here in the U.S. ( I don't see how this is LEGAL! ) Then, I was told to take a picture of myself AND my license with MY PHONE ( that's loaded with apps ) and send it. Have you lost all sense of logic and reason??? That is one of THE MOST UNSECURE WAYS to send sensitive information and because of whatever issue is going on with your end, it is causing denials on possible loans. I also need to move soon ( not that you care, obviously ) and this ridiculousness is getting in my way and holding me up. I don't understand why you have so much pull over my life. Especially, since the other Credit Bureaus are fine. THIS IS UNACCEPTIBLE!!!! Now, I have to snail mail your unnecessary request and spend the extra money just to make sure it arrives there safe and secure. I am billing you for that, since you are the one costing me all of this extra, pointless stupidity. ( Thank you, by the way ) I have included the receipt of the cost of mailing that you can count as a bill. A copy of this letter, along with the receipt is also being sent to the FTC. I expect a phone call from an agent FROM WITHIN THE UNITED STATES, to fix your issues AND my account. After my information and the account is CORRECTED, I request... No, I DEMAND my credit report, because this is absurdity! \nThank you, in advance for your cooperation in this matter that you caused. Attached are copies of my 2 forms of I.D . that was requested. I \" Voided '' them out FOR MY SECURITY that you seemingly know nothing about.","date_sent_to_company":"2025-06-10T20:16:17.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"184XX","tags":null,"has_narrative":true,"complaint_id":"13995829","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-10T19:45:59.000Z","state":"PA","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["Apparently, <em>many</em> <em>other</em> people had their share of words for <em>similar</em> reasons. I want Equifax banned from having anything to do with my credit report. The <em>other</em> 2 credit agencies are fine. Please remove them. They are harming and damaging our lives. It's not legal and they need to be shut down. Please read the comments under their XXXX  page if they haven't removed them. This is serious and effecting all of our lives. I need to move and this is really effecting my life and holding me up."],"product":["Credit reporting or <em>other</em> personal consumer reports"],"sub_issue":["<em>Other</em> problem getting your report or credit score"]},"sort":[11.833321,"13995829"]},{"_index":"complaint-public-v1","_id":"8613868","_score":11.600195,"_source":{"product":"Credit card","complaint_what_happened":"To whom it may concern, I hope this letter finds you in good health. I am writing to bring to your attention a matter of significant concern. It has come to my attention through diligent research of your SEC filings ( XXXX, XXXX, XXXX, and XXXX XXXX XXXX ) that your company and its subsidiaries along with the many business partners of American Express are complicit in deceptive practices and are not giving me valuable consideration in your fiduciary capacity since I am the beneficial owner. \n\nI want to keep this letter brief and to the point as there are a plethora of things that I could point out but here are a few excerpts from your SEC filings that highlight my point. \nAs used herein, a U.S. holder is a beneficial owner of a note that, for U.S. federal income tax purposes, is a citizen or resident of the United States or a U.S. domestic corporation or that otherwise will be subject to U.S. federal income taxation on a net income basis in respect of the note. A Non-U.S. holder is a beneficial owner of a note that is an individual, corporation, foreign estate, or foreign trust that is not a U.S. holder. \nActs of Noteholders. ( a ) Any request, demand, authorization, direction, notice, consent, waiver or other action ( collectively, an Action ) provided by this Indenture to be given or taken by Noteholders of any Series, Class or Tranche may be embodied in and evidenced by one or more instruments of substantially similar tenor signed by such Noteholders in person or by an agent duly appointed in writing The indenture trustee and issuer are required to perform as specified within the indenture and the quoted indenture section above per the written request of the Noteholder. \nTherefore, it is my understanding, that you are selling my securities on the secondary markets even though in your prospectus you specifically state and I quote from page S-7 of the prospectus under risks relating to the notes, We do not intend to apply for listing of either series of notes on any securities exchange or for quotation through any automated dealer quotation system. \nHowever, later on in the same prospectus, you contradicted that you wouldnt sell my securities by stating and I quote from page S-19 in the Underwriter section Each series of notes is a new issue of securities with no established trading market. We have been advised by the underwriters that they presently intend to make a market for the notes of each series, as permitted by applicable laws and regulations. \n\nFurthermore, the remedy that I seek is an open-ended charge card, in which the Certificate of Indebtedness will be discharged monthly and paid in full, with the proper endorsements. \nEffective immediately, I am revoking AMERICAN EXPRESSESs authority over my security interest. I am now asking for the immediate return of the principal, interest, and any related proceeds. Holders shall have an absolute right to receive payment of the principal of, and interest on, their Notes when due, and to institute suit to enforce any such payment. \nIn addition, I as the holder in due course, grant permission for you in your role as a security transfer agent to carry on with the trading of my securities as per the conditions outlined below, until further communication from my end : A distribution of XXXX % of the proceeds to your institution. \nAn XXXX  % allocation of the proceeds to my XXXX XXXX XXXX XXXX XXXX XXXX, detailed as follows : Routing Number : XXXX Account Number : XXXX If you do not perform your fiduciary duty and follow the action given, I will be forced to report you to the SEC for securities fraud alongside a financial securitization audit of my account. We need not be at odds ; I implore you to work with me for the continued prosperity of your company. I expect a prompt resolution within XXXX business days of receipt of this letter. Please dont hesitate to contact me either via phone or email.","date_sent_to_company":"2024-03-23T20:54:47.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"30024","tags":null,"has_narrative":true,"complaint_id":"8613868","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-03-23T20:36:44.000Z","state":"GA","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["Acts of Noteholders. ( a ) Any request, demand, authorization, direction, notice, consent, waiver or <em>other</em> action ( collectively, an Action ) provided by this Indenture to be given or taken by Noteholders of any Series, Class or Tranche may be embodied in and evidenced by one or more instruments of substantially <em>similar</em> tenor signed by such Noteholders in person or by an agent duly appointed in writing The indenture trustee and issuer are required to perform as specified within the indenture and"],"issue":["<em>Other</em> features, terms, or problems"],"sub_issue":["<em>Other</em> problem"]},"sort":[11.600195,"8613868"]},{"_index":"complaint-public-v1","_id":"2244571","_score":11.438326,"_source":{"product":"Mortgage","complaint_what_happened":"SUNTRUST BANK APPRAISAL FRAUD. Re : Equity Line. This went to State of New York, XXXX County Supreme Court XXXX County of XXXX Index # XXXX. I received a Notice of Settlement of Judgement in favor of Suntrust on XXXX/XXXX/XXXX. With the evidence I submitted to oppose Suntrust I can not see how XXXX. XXXX XXXX XXXX could have found in favor of Suntrust..My wife and I are in extreme poor health. My wife is XXXX and I suffer from XXXX XXXX and currently being monitored on a daily basis for a XXXX on a recall list. I had no opportunity to represent myself in Court and had my answer to Suntrust complaint delivered to Court.. We have no income other than Social security and had to move to XXXX to be able to pay affordable rent. Suntrust Grossly misleads the Court by challenging our assertion that Suntrust misrepresented the value of subject property. Thankfully, Suntrust, in their motion, provided appraisal report from XXXX, dated XXXX XXXX. This XXXX valuation of the Subject Property was the sole basis upon which Suntrust provided the increase in Equity Line of Credit and led me to believe I had far more Equity in than actually existed at the time. I respectfully Submit that the \" valuation \" utilized by Suntrust was a gross distortion of the property value as Suntrust 's chosen Appraiser used comparables which had in fact no actual relevancy to the subject property.I asked multiple times for a copy of the \" Suntrust in house Appraisal \" at the beginning of litigation in XXXX and never saw this until Suntrust included this document in a motion dated XXXX XXXX, 3 years after start of litigation. I paid {$250000.00} for the house in XXXX ( had paid off XXXX others mortgages with Suntrust on other properties from XXXX to XXXX. ). The XXXX Appraisal showed subject property, mine, at {$330000.00}. on XXXX, XXXX. Keep in mind that the real estate market had already taken a nose dive. The Appraisal was totally bogus and appraiser in own notes states they never saw the property but made a phone call to my wife asking about improvements, etc, .I did not pay for this appraisal, Suntrust did. The mission of the XXXX Appraisal was clearly to bump up property value to induce me into an increase in home equity line, which I did.Subject property is in a development, XXXX XXXX, with over XXXX XXXX on XXXX to XXXX acre lots and many houses are representative of mine. As a matter of Public Record XXXX houses were sold on my block within walking distance to my house and very similar to my house. XXXX XXXX XXXX sold on XXXX XXXX XXXX for {$100000.00} and XXXX XXXX XXXX sold for {$96000.00} on XXXX XXXX, XXXX. XXXX did Appraisal on XXXX XXXX ,9 months and 6 months after the XXXX houses on my block were sold.These sales were available on County Public records but not shown by XXXX because sales prices were too low even though these houses were similar to mine. If XXXX showed these on Appraisal, Suntrust would not have bumped up Home Equity Line. I owed {$180000.00} on Mortgage at the time and a real Appraisal would have disqualified any increase in home equity line given that the house was worth about {$11000.00} at the time. Suntrust appraisal shows value at {$330000.00}. \nTo qualify this house for increase in home equity line the appraiser used comps way outside of any standards. They used comps from XXXX miles away, XXXX miles, XXXX miles, XXXX miles, XXXX miles in order to find higher value properties. Comparables were available ON MY BLOCK. Your own CFPB Press Release of XXXX XXXX, XXXX details Suntrust 's abuses uncovered by CFPD, D.O.J., XXXX. and XXXX XXXX in XXXX States. My wife and I have nothing thanks to Suntrust and we need help in stopping these proceedings. The judgement will be finalized on XXXX XXXX at XXXX A : M Supreme Court, XXXX County Index # XXXX. Please HELP.","date_sent_to_company":"2016-12-13T14:54:25.000Z","issue":"Credit decision / Underwriting","sub_product":"Home equity loan or line of credit","zip_code":"28078","tags":"Older American","has_narrative":true,"complaint_id":"2244571","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SUNTRUST BANKS, INC.","date_received":"2016-12-11T19:33:50.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["We have no income <em>other</em> than Social <em>security</em> and had to move to XXXX to be able to pay affordable rent. Suntrust Grossly misleads the Court by challenging our assertion that Suntrust misrepresented the value of subject property. Thankfully, Suntrust, in their motion, provided appraisal report from XXXX, dated XXXX XXXX."]},"sort":[11.438326,"2244571"]},{"_index":"complaint-public-v1","_id":"6641357","_score":11.34614,"_source":{"product":"Mortgage","complaint_what_happened":"We are in Foreclosure and have a law day scheduled for XX/XX/XXXX. Our original note was XXXX of XXXX. Similarities exist in regards to other previous complaints in addition to a landmark class action suit by XXXX and XXXX, where XXXX bank XXXX now PHH was fined by the SEC for securities fraud and ordered to pay damages in XXXX. Here a few similar complaints to oursXXXX for not accepting payments, XXXX for denying forebearance and not accepting payments, XXXX for misapplying payments by wire, XXXX payment not posted but cleared. It seems our good credit was used with many other loans to reconfigure their balance sheet and make a group of loans re-sellable to the secondary market after their demise in XXXX of XXXX. \n\nIn XXXX of XXXX I was contacted out of the blue by XXXX XXXX of XXXX for a loan Modification. XXXX XXXX XXXX now works for XXXX in XXXX Texas where part of XXXX was located. When I questioned why are we so lucky to receive a rate reduction he explained just in case something happens to assist you moving forward. I also asked whats the catch, XXXX went further to describe only the rate changes. This is predatory lending and a bait and switch Where the Mod was turned into a REFI, with high pressure to sign quick before rates change or the terms expire. I have a pre approval and approval letter dated the same day. Application with many items prewritten or boxes pre-checked off was sent and this note was signed in Florida with notaries rather than an attorney. even though we live in CT. We never received a signed note and the green cards appear unsigned. Upon PHH submitting the note as evidence for a summary judgement I noticed everything changed from discussion and we basically took their word for it and signed our rights away with new and changed terms, more in line with a Modification. In all mediation sessions the XXXX note was always referred to as a Modification. The Application documents have been attached. \n\nIn the app documents you can see where XXXX changed ( wrote ) the Assets by doubling the overinflated appraised value ( XXXX ), then listed it twice. The loan to value was calculated at 62 %. The approval letter states they may sell the loan but a decision was not made yet. XXXX XXXX was assigned prior to origination somehow, which is before the merger date or origination of funds. This is a XXXX XXXX XXXX and does not require a 4506T, but XXXX asked for one, making this also look like a MOD and helped them to ascertain where my good credit at the time fit to resell a group of loans. They never verified my income as well. The RESPA and truth in lending appear to not be signed and the submitted court documents have signatures blacked out? After job loss and family medical, the loan did get difficult to pay and we had Mods in XXXX, XXXX and XXXX. These Mods have similar terms and structure to the bogus note from XXXX. \n\nIn XX/XX/XXXX we were denied Forebearance after a Disaster Declaration was activated in CT for a Tornado. We had cleanup damage that would not be covered by insurance which caused hardship. In XX/XX/XXXX Forebearance was mysteriously approved with the same income. XX/XX/XXXX a service transfer from XXXX XXXX to PHH occured. My 4th Forebearance payment was not accepted by phone according to PHH written instructions. In good faith, I submitted my payment to the last servicer and the payment posted late, ending our Mediation from their error. The mediators report reflects misguided payment. \n\nWe wish to keep our home which is owner occupied. We also belong to more than one protected group in addition to family medical where out of pocket expenses also caused hardship. We are in a better position now to repay the original terms that XXXX stole after failing in XXXX of XXXX. Since XXXX til now this has been beyond stressful to me and my family and got in the way of acquiring meaningful and rewarding employment. How we sustained this long is a miracle and we have numerous blessings to count.","date_sent_to_company":"2023-03-02T16:48:49.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"064XX","tags":null,"has_narrative":true,"complaint_id":"6641357","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2023-03-02T16:37:00.000Z","state":"CT","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Similarities exist in regards to <em>other</em> previous complaints in addition to a landmark class action suit by XXXX and XXXX, where XXXX bank XXXX now PHH was fined by the SEC for <em>securities</em> fraud and ordered to pay damages in XXXX. Here a few <em>similar</em> complaints to oursXXXX for not accepting payments, XXXX for denying forebearance and not accepting payments, XXXX for misapplying payments by wire, XXXX payment not posted but cleared."]},"sort":[11.34614,"6641357"]},{"_index":"complaint-public-v1","_id":"10971574","_score":11.324344,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally demand that you immediately cease and desist all unauthorized activity related to my personal and financial information. This letter serves as a formal notice that your actions constitute identity theft, securities fraud, and fraudulent conveyance, and have resulted in the unconstitutional taking of my private property without just compensation.\n\nAccount Extinguishment and Restitution I demand the immediate and complete extinguishment of all accounts, both public and private, that have been fraudulently created or accessed using my personal information. All proceeds derived from these accounts must be returned to me, the rightful owner and taxpayer. \nAccounting Standards and Legal Violations The fraudulent creation and use of these accounts violate multiple accounting standards, including those outlined by the Financial Accounting Standards Board ( FASB ). Specifically, the unauthorized use of my identity to create and access these accounts constitutes identity theft, a federal crime punishable under 18 U.S.C. 1028. Furthermore, the use of these accounts to engage in securities transactions without my consent constitutes securities fraud, which is a violation of federal securities laws. \nThe fraudulent creation and use of these accounts also constitute a fraudulent conveyance, as they were created to defraud creditors and other parties. This is a violation of state laws governing fraudulent transfers. \nUnconstitutional Taking and Involuntary Servitude The unauthorized use of my personal information to create and access these accounts has resulted in the unconstitutional taking of my private property without just compensation. This violates the Fifth Amendment to the United States Constitution. Additionally, the forced labor and financial burdens imposed on me as a result of these fraudulent accounts constitute involuntary servitude, a violation of the Thirteenth Amendment to the United States Constitution.\n\nColor of Law and Deprivation of Rights The actions of your organization and its agents have been carried out under the color of law, which is the appearance or use of lawful power to mask an illegal act. By using government authority to access and control my financial information without my consent, your organization has deprived me of my inalienable rights, in violation of 18 U.S.C. 242.\n\nProvisions and penalties for negligent violations are provided under section 617. [ 15 U.S.C. 1681o ]. Any person who demonstrates negligence by failing to comply with any requirement established under this law concerning a consumer is responsible to the consumer for an amount comprising : 1. Any actual damages incurred by the consumer due to the failure ; and 2. In the event of a successful legal action to enforce any liability, the costs associated with the action, as well as reasonable attorney 's fees determined by the court. \n\nFalse Pretenses The law deters fraudulent activities and cases done knowingly under false pretenses. The FCRA penalizes anyone who obtains consumer information from the CRA under false pretenses. As specified under the United States Code, the conduct is punishable by a fine, imprisonment for up to 2 years, or both.\n\nUnauthorized Disclosure Under section 620. [ 15 U.S.C. 1681r ] of the FCRA, any officer or employee of the consumer reporting agency who knowingly or willfully provides consumers information from the agencys files to any person not authorized to access the information shall be fined or imprisoned for not more than 2 years or both.\n\n1. Furnishing and Reporting Old Information Credit reporting agencies and the creditors who supply information to them must provide and keep your credit information current. When your credit circumstances have changed, and the information in your credit report isn't updated to reflect these changes, this failure might be an FCRA violation.\n\nSome examples of this kind of FCRA violation include : failing to report that a debt was discharged in bankruptcy ( XXXX XXXX XXXX ) reporting old debts as new or re-aged ( XXXX XXXX XXXX ) reporting an account as active when it was voluntarily closed by a consumer and reporting certain information ( XXXX XXXX XXXX ) that's more than seven years old ( like lawsuits ) or ten years old ( XXXX  XXXX bankruptcies ). \n2. Furnishing and Reporting Inaccurate Information Your creditor must not supply information to a credit reporting agency that it knows ( or should know ) is inaccurate. That kind of information includes : reporting a debt as charged-off when you settled it or paid it in full misstating the balance due reporting late payments when you paid timely listing you as a debtor on an account when you were only the authorized user or supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ( XXXX XXXX XXXXXXXX ) ). \nCredit reporting agencies must not include inaccurate information in your credit reports. \n3. Mixed Files Credit reporting agencies can also run afoul of their obligations to report accurate credit information about you. In many instances, this violation happens when a credit bureau mixes your file with someone else 's file with similar background information. \nSome common cases of mixed files include : morphing or duplicating negative credit information with a stranger who shares a similar Social Security number failing to distinguish the Jr. and Sr. in similar surnames mixing the information of persons with the same last name and similar first names, and combining or mixing credit files of persons with similar names living in the same city or zip code.\n\n4. Failing to Follow Debt Dispute Procedures When you submit a written dispute about the accuracy of an item on your report ( XXXX XXXX XXXX ), the credit bureaus and your creditors must take certain actions in response. Their duties include conducting a reasonable investigation of your dispute, correcting any inaccurate information, or even removing the disputed debt from your credit reports. \nA credit reporting agency or creditor can fall short of its duties to follow proper dispute procedures under the Fair Credit Reporting Act in a number of other ways. \nDebt Dispute Violations by Credit Reporting Agencies Some common FCRA violations by credit reporting agencies include failing to : notify a creditor that you dispute the debt that it has reported conduct a reasonable investigation of your dispute or correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute. \nDebt Dispute Violations by Creditors and Other Information Suppliers Some common creditor and furnisher FCRA violations ( XXXX XXXX XXXX ) include failing to : notify every credit reporting agency involved that you dispute the debt submit corrected information to the credit reporting agency subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect conduct an internal investigation of your dispute within 30 days ( or 45 days in some cases ) provide you with a reasonable procedure, including an address, to submit a written dispute or report of identity theft or inform you of the results of its investigation within five business days after it completes the investigation.\n\n5. Privacy Violations Credit reporting agencies can't release your credit reports to just anybody. They can only give them to authorized persons. The agencies may disclose your report only to persons or entities that have a valid need, such as : creditors landlords insurance providers utility companies, and employers ( only if you previously consented ).\n\n6. Requesting a Credit Report for an Impermissible Purpose Even though your employer, creditor, or landlord might be allowed to pull your credit report, they must still have a permissible purpose ( XXXX XXXX XXXX ) to do so. If someone pulls your credit report for an impermissible purpose, then it might be an FCRA violation. \nSome examples of impermissible purposes include : someone pulls your credit report to determine if you're collectible before filing a lawsuit against you on an involuntary debt or other non-credit matter ( for example, in determining whether to file a personal injury lawsuit ) your employer pulls your credit report without your permission or a creditor on a debt you discharged in bankruptcy pulls your credit report to check out your current financial activity.\n\n7. Withholding Notices You're entitled to notices concerning the reporting, handling, and use of your credit information. Notice violations under the FCRA might oc cur when : a creditor fails to notify you when it supplies negative credit information to a credit reporting agency a user of credit information ( such as a prospective employer or lender ) fails to notify you of a negative decision ( XXXX XXXX XXXX ) based on your credit report a creditor fails to provide you with your credit score if it was used as part of any credit decision a creditor fails to notify you of your right to dispute inaccurate credit information a creditor fails to notify you of your right to obtain a free credit report or a creditor or \" user of information '' refuses to identify the source of the credit information it obtained about you.","date_sent_to_company":"2024-11-29T14:28:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28216","tags":null,"has_narrative":true,"complaint_id":"10971574","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-29T14:18:58.000Z","state":"NC","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":["In <em>many</em> instances, this violation happens when a credit bureau mixes your file with someone else 's file with <em>similar</em> background information."],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[11.324344,"10971574"]},{"_index":"complaint-public-v1","_id":"10971876","_score":11.320854,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally demand that you immediately cease and desist all unauthorized activity related to my personal and financial information. This letter serves as a formal notice that your actions constitute identity theft, securities fraud, and fraudulent conveyance, and have resulted in the unconstitutional taking of my private property without just compensation. \nAccount Extinguishment and Restitution I demand the immediate and complete extinguishment of all accounts, both public and private, that have been fraudulently created or accessed using my personal information. All proceeds derived from these accounts must be returned to me, the rightful owner and taxpayer. \nAccounting Standards and Legal Violations The fraudulent creation and use of these accounts violate multiple accounting standards, including those outlined by the Financial Accounting Standards Board ( FASB ). Specifically, the unauthorized use of my identity to create and access these accounts constitutes identity theft, a federal crime punishable under 18 U.S.C. 1028. Furthermore, the use of these accounts to engage in securities transactions without my consent constitutes securities fraud, which is a violation of federal securities laws. \nThe fraudulent creation and use of these accounts also constitute a fraudulent conveyance, as they were created to defraud creditors and other parties. This is a violation of state laws governing fraudulent transfers. \nUnconstitutional Taking and Involuntary Servitude The unauthorized use of my personal information to create and access these accounts has resulted in the unconstitutional taking of my private property without just compensation. This violates the Fifth Amendment to the United States Constitution. Additionally, the forced labor and financial burdens imposed on me as a result of these fraudulent accounts constitute involuntary servitude, a violation of the Thirteenth Amendment to the United States Constitution.\n\nColor of Law and Deprivation of Rights The actions of your organization and its agents have been carried out under the color of law, which is the appearance or use of lawful power to mask an illegal act. By using government authority to access and control my financial information without my consent, your organization has deprived me of my inalienable rights, in violation of 18 U.S.C.\n242.\n\nProvisions and penalties for negligent violations are provided under section 617. [ 15 U.S.C. 1681o ]. Any person who demonstrates negligence by failing to comply with any requirement established under this law concerning a consumer is responsible to the consumer for an amount comprising : 1. Any actual damages incurred by the consumer due to the failure ; and 2. In the event of a successful legal action to enforce any liability, the costs associated with the action, as well as reasonable attorney 's fees determined by the court. \n\nFalse Pretenses The law deters fraudulent activities and cases done knowingly under false pretenses. The FCRA penalizes anyone who obtains consumer information from the CRA under false pretenses. As specified under the United States Code, the conduct is punishable by a fine, imprisonment for up to 2 years, or both.\n\nUnauthorized Disclosure Under section 620. [ 15 U.S.C. 1681r ] of the FCRA, any officer or employee of the consumer reporting agency who knowingly or willfully provides consumers information from the agencys files to any person not authorized to access the information shall be fined or imprisoned for not more than 2 years or both.\n\n1. Furnishing and Reporting Old Information Credit reporting agencies and the creditors who supply information to them must provide and keep your credit information current. When your credit circumstances have changed, and the information in your credit report isn't updated to reflect these changes, this failure might be an FCRA violation. \nSome examples of this kind of FCRA violation include : failing to report that a debt was discharged in bankruptcy ( XXXX XXXX XXXX ) reporting old debts as new or re-aged ( XXXX XXXX XXXX ) reporting an account as active when it was voluntarily closed by a consumer and reporting certain information ( XXXX XXXX XXXX ) that's more than seven years old ( like lawsuits ) or ten years old ( XXXX  XXXX bankruptcies ). \n2. Furnishing and Reporting Inaccurate Information Your creditor must not supply information to a credit reporting agency that it knows ( or should know ) is inaccurate. That kind of information includes : reporting a debt as charged-off when you settled it or paid it in full misstating the balance due reporting late payments when you paid timely listing you as a debtor on an account when you were only the authorized user or supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ( XXXX XXXX XXXXXXXX ) ). \nCredit reporting agencies must not include inaccurate information in your credit reports. \n3. Mixed Files Credit reporting agencies can also run afoul of their obligations to report accurate credit information about you. In many instances, this violation happens when a credit bureau mixes your file with someone else 's file with similar background information. \nSome common cases of mixed files include : morphing or duplicating negative credit information with a stranger who shares a similar Social Security number failing to distinguish the Jr. and Sr. in similar surnames mixing the information of persons with the same last name and similar first names, and combining or mixing credit files of persons with similar names living in the same city or zip code. \n4. Failing to Follow Debt Dispute Procedures When you submit a written dispute about the accuracy of an item on your report ( XXXX XXXX XXXX ), the credit bureaus and your creditors must take certain actions in response. Their duties include conducting a reasonable investigation of your dispute, correcting any inaccurate information, or even removing the disputed debt from your credit reports. \nA credit reporting agency or creditor can fall short of its duties to follow proper dispute procedures under the Fair Credit Reporting Act in a number of other ways. \nDebt Dispute Violations by Credit Reporting Agencies Some common FCRA violations by credit reporting agencies include failing to : notify a creditor that you dispute the debt that it has reported conduct a reasonable investigation of your dispute or correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute. \nDebt Dispute Violations by Creditors and Other Information Suppliers Some common creditor and furnisher FCRA violations ( XXXX XXXX XXXX ) include failing to : notify every credit reporting agency involved that you dispute the debt submit corrected information to the credit reporting agency subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect conduct an internal investigation of your dispute within 30 days ( or 45 days in some cases ) provide you with a reasonable procedure, including an address, to submit a written dispute or report of identity theft or inform you of the results of its investigation within five business days after it completes the investigation. \n5. Privacy Violations Credit reporting agencies can't release your credit reports to just anybody. They can only give them to authorized persons. The agencies may disclose your report only to persons or entities that have a valid need, such as : creditors landlords insurance providers utility companies, and employers ( only if you previously consented ).\n\n6. Requesting a Credit Report for an Impermissible Purpose Even though your employer, creditor, or landlord might be allowed to pull your credit report, they must still have a permissible purpose ( XXXX XXXX XXXX ) to do so. If someone pulls your credit report for an impermissible purpose, then it might be an FCRA violation. \nSome examples of impermissible purposes include : someone pulls your credit report to determine if you're collectible before filing a lawsuit against you on an involuntary debt or other non-credit matter ( for example, in determining whether to file a personal injury lawsuit ) your employer pulls your credit report without your permission or a creditor on a debt you discharged in bankruptcy pulls your credit report to check out your current financial activity. \n7. Withholding Notices You're entitled to notices concerning the reporting, handling, and use of your credit information. Notice violations under the FCRA might oc cur when : a creditor fails to notify you when it supplies negative credit information to a credit reporting agency a user of credit information ( such as a prospective employer or lender ) fails to notify you of a negative decision ( XXXX XXXX XXXX ) based on your credit report a creditor fails to provide you with your credit score if it was used as part of any credit decision a creditor fails to notify you of your right to dispute inaccurate credit information a creditor fails to notify you of your right to obtain a free credit report or a creditor or \" user of information '' refuses to identify the source of the credit information it obtained about you.","date_sent_to_company":"2024-11-29T14:29:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28216","tags":null,"has_narrative":true,"complaint_id":"10971876","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST TECHNOLOGY FEDERAL CREDIT UNION","date_received":"2024-11-29T14:28:58.000Z","state":"NC","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":["In <em>many</em> instances, this violation happens when a credit bureau mixes your file with someone else 's file with <em>similar</em> background information."],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[11.320854,"10971876"]},{"_index":"complaint-public-v1","_id":"10971802","_score":11.320854,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally demand that you immediately cease and desist all unauthorized activity related to my personal and financial information. This letter serves as a formal notice that your actions constitute identity theft, securities fraud, and fraudulent conveyance, and have resulted in the unconstitutional taking of my private property without just compensation. \nAccount Extinguishment and Restitution I demand the immediate and complete extinguishment of all accounts, both public and private, that have been fraudulently created or accessed using my personal information. All proceeds derived from these accounts must be returned to me, the rightful owner and taxpayer. \nAccounting Standards and Legal Violations The fraudulent creation and use of these accounts violate multiple accounting standards, including those outlined by the Financial Accounting Standards Board ( FASB ). Specifically, the unauthorized use of my identity to create and access these accounts constitutes identity theft, a federal crime punishable under 18 U.S.C. 1028. Furthermore, the use of these accounts to engage in securities transactions without my consent constitutes securities fraud, which is a violation of federal securities laws. \nThe fraudulent creation and use of these accounts also constitute a fraudulent conveyance, as they were created to defraud creditors and other parties. This is a violation of state laws governing fraudulent transfers. \nUnconstitutional Taking and Involuntary Servitude The unauthorized use of my personal information to create and access these accounts has resulted in the unconstitutional taking of my private property without just compensation. This violates the Fifth Amendment to the United States Constitution. Additionally, the forced labor and financial burdens imposed on me as a result of these fraudulent accounts constitute involuntary servitude, a violation of the Thirteenth Amendment to the United States Constitution.\n\nColor of Law and Deprivation of Rights The actions of your organization and its agents have been carried out under the color of law, which is the appearance or use of lawful power to mask an illegal act. By using government authority to access and control my financial information without my consent, your organization has deprived me of my inalienable rights, in violation of 18 U.S.C. 242.\n\nProvisions and penalties for negligent violations are provided under section 617. [ 15 U.S.C. 1681o ]. Any person who demonstrates negligence by failing to comply with any requirement established under this law concerning a consumer is responsible to the consumer for an amount comprising : 1. Any actual damages incurred by the consumer due to the failure ; and 2. In the event of a successful legal action to enforce any liability, the costs associated with the action, as well as reasonable attorney 's fees determined by the court.\n\nFalse Pretenses The law deters fraudulent activities and cases done knowingly under false pretenses. The FCRA penalizes anyone who obtains consumer information from the CRA under false pretenses. As specified under the United States Code, the conduct is punishable by a fine, imprisonment for up to 2 years, or both.\n\nUnauthorized Disclosure Under section 620. [ 15 U.S.C. 1681r ] of the FCRA, any officer or employee of the consumer reporting agency who knowingly or willfully provides consumers information from the agencys files to any person not authorized to access the information shall be fined or imprisoned for not more than 2 years or both.\n\n1. Furnishing and Reporting Old Information Credit reporting agencies and the creditors who supply information to them must provide and keep your credit information current. When your credit circumstances have changed, and the information in your credit report isn't updated to reflect these changes, this failure might be an FCRA violation.\n\nSome examples of this kind of FCRA violation include : failing to report that a debt was discharged in bankruptcy ( XXXX XXXX XXXX ) reporting old debts as new or re-aged ( XXXX XXXX XXXX ) reporting an account as active when it was voluntarily closed by a consumer and reporting certain information ( XXXX XXXX XXXX ) that's more than seven years old ( like lawsuits ) or ten years old ( XXXX  XXXX bankruptcies ). \n2. Furnishing and Reporting Inaccurate Information Your creditor must not supply information to a credit reporting agency that it knows ( or should know ) is inaccurate. That kind of information includes : reporting a debt as charged-off when you settled it or paid it in full misstating the balance due reporting late payments when you paid timely listing you as a debtor on an account when you were only the authorized user or supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ( XXXX XXXX XXXXXXXX ) ). \nCredit reporting agencies must not include inaccurate information in your credit reports. \n3. Mixed Files Credit reporting agencies can also run afoul of their obligations to report accurate credit information about you. In many instances, this violation happens when a credit bureau mixes your file with someone else 's file with similar background information. \nSome common cases of mixed files include : morphing or duplicating negative credit information with a stranger who shares a similar Social Security number failing to distinguish the Jr. and Sr. in similar surnames mixing the information of persons with the same last name and similar first names, and combining or mixing credit files of persons with similar names living in the same city or zip code.\n\n4. Failing to Follow Debt Dispute Procedures When you submit a written dispute about the accuracy of an item on your report ( XXXX XXXX XXXX ), the credit bureaus and your creditors must take certain actions in response. Their duties include conducting a reasonable investigation of your dispute, correcting any inaccurate information, or even removing the disputed debt from your credit reports. \nA credit reporting agency or creditor can fall short of its duties to follow proper dispute procedures under the Fair Credit Reporting Act in a number of other ways. \nDebt Dispute Violations by Credit Reporting Agencies Some common FCRA violations by credit reporting agencies include failing to : notify a creditor that you dispute the debt that it has reported conduct a reasonable investigation of your dispute or correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute. \nDebt Dispute Violations by Creditors and Other Information Suppliers Some common creditor and furnisher FCRA violations ( XXXX XXXX XXXX ) include failing to : notify every credit reporting agency involved that you dispute the debt submit corrected information to the credit reporting agency subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect conduct an internal investigation of your dispute within 30 days ( or 45 days in some cases ) provide you with a reasonable procedure, including an address, to submit a written dispute or report of identity theft or inform you of the results of its investigation within five business days after it completes the investigation. \n5. Privacy Violations Credit reporting agencies can't release your credit reports to just anybody. They can only give them to authorized persons. The agencies may disclose your report only to persons or entities that have a valid need, such as : creditors landlords insurance providers utility companies, and employers ( only if you previously consented ).\n\n6. Requesting a Credit Report for an Impermissible Purpose Even though your employer, creditor, or landlord might be allowed to pull your credit report, they must still have a permissible purpose ( XXXX XXXX XXXX ) to do so. If someone pulls your credit report for an impermissible purpose, then it might be an FCRA violation. \nSome examples of impermissible purposes include : someone pulls your credit report to determine if you're collectible before filing a lawsuit against you on an involuntary debt or other non-credit matter ( for example, in determining whether to file a personal injury lawsuit ) your employer pulls your credit report without your permission or a creditor on a debt you discharged in bankruptcy pulls your credit report to check out your current financial activity.\n\n7. Withholding Notices You're entitled to notices concerning the reporting, handling, and use of your credit information. Notice violations under the FCRA might oc cur when : a creditor fails to notify you when it supplies negative credit information to a credit reporting agency a user of credit information ( such as a prospective employer or lender ) fails to notify you of a negative decision ( XXXX XXXX XXXX ) based on your credit report a creditor fails to provide you with your credit score if it was used as part of any credit decision a creditor fails to notify you of your right to dispute inaccurate credit information a creditor fails to notify you of your right to obtain a free credit report or a creditor or \" user of information '' refuses to identify the source of the credit information it obtained about you.","date_sent_to_company":"2024-11-29T14:29:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28216","tags":null,"has_narrative":true,"complaint_id":"10971802","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-29T14:28:58.000Z","state":"NC","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":["In <em>many</em> instances, this violation happens when a credit bureau mixes your file with someone else 's file with <em>similar</em> background information."],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[11.320854,"10971802"]},{"_index":"complaint-public-v1","_id":"10948155","_score":11.320854,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally demand that you immediately cease and desist all unauthorized activity related to my personal and financial information. This letter serves as a formal notice that your actions constitute identity theft, securities fraud, and fraudulent conveyance, and have resulted in the unconstitutional taking of my private property without just compensation. \nAccount Extinguishment and Restitution I demand the immediate and complete extinguishment of all accounts, both public and private, that have been fraudulently created or accessed using my personal information. All proceeds derived from these accounts must be returned to me, the rightful owner and taxpayer. \nAccounting Standards and Legal Violations The fraudulent creation and use of these accounts violate multiple accounting standards, including those outlined by the XXXX XXXX XXXX XXXX ( XXXX ). Specifically, the unauthorized use of my identity to create and access these accounts constitutes identity theft, a federal crime punishable under 18 U.S.C. 1028. Furthermore, the use of these accounts to engage in securities transactions without my consent constitutes securities fraud, which is a violation of federal securities laws. \nThe fraudulent creation and use of these accounts also constitute a fraudulent conveyance, as they were created to defraud creditors and other parties. This is a violation of state laws governing fraudulent transfers. \nUnconstitutional Taking and Involuntary Servitude The unauthorized use of my personal information to create and access these accounts has resulted in the unconstitutional taking of my private property without just compensation. This violates the Fifth Amendment to the United States Constitution. Additionally, the forced labor and financial burdens imposed on me as a result of these fraudulent accounts constitute involuntary servitude, a violation of the Thirteenth Amendment to the United States Constitution. \nColor of Law and Deprivation of Rights The actions of your organization and its agents have been carried out under the color of law, which is the appearance or use of lawful power to mask an illegal act. By using government authority to access and control my financial information without my consent, your organization has deprived me of my inalienable rights, in violation of 18 U.S.C. 242. \n\nProvisions and penalties for negligent violations are provided under section 617. [ 15 U.S.C. 1681o ]. Any person who demonstrates negligence by failing to comply with any requirement established under this law concerning a consumer is responsible to the consumer for an amount comprising : 1. Any actual damages incurred by the consumer due to the failure ; and 2. In the event of a successful legal action to enforce any liability, the costs associated with the action, as well as reasonable attorney 's fees determined by the court. \n\nFalse Pretenses The law deters fraudulent activities and cases done knowingly under false pretenses. The FCRA penalizes anyone who obtains consumer information from the CRA under false pretenses. As specified under the United States Code, the conduct is punishable by a fine, imprisonment for up to 2 years, or both. \nUnauthorized Disclosure Under section 620. [ 15 U.S.C. 1681r ] of the FCRA, any officer or employee of the consumer reporting agency who knowingly or willfully provides consumers information from the agencys files to any person not authorized to access the information shall be fined or imprisoned for not more than 2 years or both. \n\n\n1. Furnishing and Reporting Old Information Credit reporting agencies and the creditors who supply information to them must provide and keep your credit information current. When your credit circumstances have changed, and the information in your credit report isn't updated to reflect these changes, this failure might be an FCRA violation. \nSome examples of this kind of FCRA violation include : failing to report that a debt was discharged in bankruptcy XXXX XXXX XXXX XXXX XXXX  reporting old debts as new or re-aged XXXX XXXX XXXX XXXX XXXX reporting an account as active when it was voluntarily closed by a consumer and reporting certain information XXXX XXXX XXXX XXXX XXXX that's more than seven years old ( like lawsuits ) or ten years old ( XXXX XXXX bankruptcies ). \n2. Furnishing and Reporting Inaccurate Information Your creditor must not supply information to a credit reporting agency that it knows ( or should know ) is inaccurate. That kind of information includes : reporting a debt as charged-off when you settled it or paid it in full misstating the balance due reporting late payments when you paid timely listing you as a debtor on an account when you were only the authorized user or supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft XXXX XXXX XXXX XXXX XXXX ). \nCredit reporting agencies must not include inaccurate information in your credit reports. \n3. Mixed Files Credit reporting agencies can also run afoul of their obligations to report accurate credit information about you. In many instances, this violation happens when a credit bureau mixes your file with someone else 's file with similar background information. \nSome common cases of mixed files include : morphing or duplicating negative credit information with a stranger who shares a similar Social Security number failing to distinguish the Jr. and Sr. in similar surnames mixing the information of persons with the same last name and similar first names, and combining or mixing credit files of persons with similar names living in the same city or zip code. \n4. Failing to Follow Debt Dispute Procedures When you submit a written dispute about the accuracy of an item on your report XXXX XXXX XXXX XXXX XXXX, the credit bureaus and your creditors must take certain actions in response. Their duties include conducting a reasonable investigation of your dispute, correcting any inaccurate information, or even removing the disputed debt from your credit reports. \nA credit reporting agency or creditor can fall short of its duties to follow proper dispute procedures under the Fair Credit Reporting Act in a number of other ways. \nDebt Dispute Violations by Credit Reporting Agencies Some common FCRA violations by credit reporting agencies include failing to : notify a creditor that you dispute the debt that it has reported conduct a reasonable investigation of your dispute or correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute. \nDebt Dispute Violations by Creditors and Other Information Suppliers Some common creditor and furnisher FCRA violations XXXX XXXX XXXX XXXX XXXX  include failing to : notify every credit reporting agency involved that you dispute the debt submit corrected information to the credit reporting agency subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect conduct an internal investigation of your dispute within 30 days ( or 45 days in some cases ) provide you with a reasonable procedure, including an address, to submit a written dispute or report of identity theft or inform you of the results of its investigation within five business days after it completes the investigation. \n5. Privacy Violations Credit reporting agencies can't release your credit reports to just anybody. They can only give them to authorized persons. The agencies may disclose your report only to persons or entities that have a valid need, such as : creditors landlords insurance providers utility companies, and employers ( only if you previously consented ). \n6. Requesting a Credit Report for an Impermissible Purpose Even though your employer, creditor, or landlord might be allowed to pull your credit report, they must still have a permissible purpose XXXX XXXX XXXX XXXX XXXX to do so. If someone pulls your credit report for an impermissible purpose, then it might be an FCRA violation. \nSome examples of impermissible purposes include : someone pulls your credit report to determine if you're collectible before filing a lawsuit against you on an involuntary debt or other non-credit matter ( for example, in determining whether to file a personal injury lawsuit ) your employer pulls your credit report without your permission or a creditor on a debt you discharged in bankruptcy pulls your credit report to check out your current financial activity. \nXXXX. Withholding Notices You're entitled to notices concerning the reporting, handling, and use of your credit information. Notice violations under the FCRA might XXXX XXXX when : a creditor fails to notify you when it supplies negative credit information to a credit reporting agency a user of credit information ( such as a prospective employer or lender ) fails to notify you of a negative decision ( https : //www.nolo.com/legal-encyclopedia/do-lenders-have-to-tell-you-why-you-are-denied-credit.html ) based on your credit report a creditor fails to provide you with your XXXX XXXX if it was used as part of any credit decision a creditor fails to notify you of your right to dispute inaccurate credit information a creditor fails to notify you of your right to obtain a free credit report or a creditor or \" user of information '' refuses to identify the source of the credit information it obtained about you.","date_sent_to_company":"2024-11-27T20:02:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"393XX","tags":null,"has_narrative":true,"complaint_id":"10948155","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUSTMARK CORPORATION","date_received":"2024-11-27T20:02:42.000Z","state":"MS","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":["In <em>many</em> instances, this violation happens when a credit bureau mixes your file with someone else 's file with <em>similar</em> background information."],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[11.320854,"10948155"]},{"_index":"complaint-public-v1","_id":"10921931","_score":11.320854,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally demand that you immediately cease and desist all unauthorized activity related to my personal and financial information. This letter serves as a formal notice that your actions constitute identity theft, securities fraud, and fraudulent conveyance, and have resulted in the unconstitutional taking of my private property without just compensation. \nAccount Extinguishment and Restitution I demand the immediate and complete extinguishment of all accounts, both public and private, that have been fraudulently created or accessed using my personal information. All proceeds derived from these accounts must be returned to me, the rightful owner and taxpayer.\n\nAccounting Standards and Legal Violations The fraudulent creation and use of these accounts violate multiple accounting standards, including those outlined by the Financial Accounting Standards Board ( FASB ). Specifically, the unauthorized use of my identity to create and access these accounts constitutes identity theft, a federal crime punishable under 18 U.S.C. 1028. Furthermore, the use of these accounts to engage in securities transactions without my consent constitutes securities fraud, which is a violation of federal securities laws.\n\nThe fraudulent creation and use of these accounts also constitute a fraudulent conveyance, as they were created to defraud creditors and other parties. This is a violation of state laws governing fraudulent transfers.\n\nUnconstitutional Taking and Involuntary Servitude The unauthorized use of my personal information to create and access these accounts has resulted in the unconstitutional taking of my private property without just compensation. This violates the Fifth Amendment to the United States Constitution. Additionally, the forced labor and financial burdens imposed on me as a result of these fraudulent accounts constitute involuntary servitude, a violation of the Thirteenth Amendment to the United States Constitution.\n\nColor of Law and Deprivation of Rights The actions of your organization and its agents have been carried out under the color of law, which is the appearance or use of lawful power to mask an illegal act. By using government authority to access and control my financial information without my consent, your organization has deprived me of my inalienable rights, in violation of 18 U.S.C. 242.\n\nProvisions and penalties for negligent violations are provided under section 617. [ 15 U.S.C. 1681o ]. Any person who demonstrates negligence by failing to comply with any requirement established under this law concerning a consumer is responsible to the consumer for an amount comprising : 1.Any actual damages incurred by the consumer due to the failure ; and 2.In the event of a successful legal action to enforce any liability, the costs associated with the action, as well as reasonable attorney 's fees determined by the court.\n\nFalse Pretenses The law deters fraudulent activities and cases done knowingly under false pretenses. The FCRA penalizes anyone who obtains consumer information from the CRA under false pretenses. As specified under the United States Code, the conduct is punishable by a fine, imprisonment for up to 2 years, or both.\n\nUnauthorized Disclosure Under section 620. [ 15 U.S.C. 1681r ] of the FCRA, any officer or employee of the consumer reporting agency who knowingly or willfully provides consumers information from the agencys files to any person not authorized to access the information shall be fined or imprisoned for not more than 2 years or both.\n\n1. Furnishing and Reporting Old Information Credit reporting agencies and the creditors who supply information to them must provide and keep your credit information current. When your credit circumstances have changed, and the information in your credit report isn't updated to reflect these changes, this failure might be an FCRA violation. \nSome examples of this kind of FCRA violation include : failing to report that a debt was XXXX in bankruptcy ( XXXX XXXX XXXX ) reporting old debts as new or re-aged ( XXXX XXXX XXXX ) reporting an account as active when it was voluntarily closed by a consumer and reporting certain information ( hXXXX XXXX XXXX ) that's more than seven years old ( like lawsuits ) or ten years old ( XXXX XXXX bankruptcies ). \nXXXX. Furnishing and Reporting Inaccurate Information Your creditor must not supply information to a credit reporting agency that it knows ( or should know ) is inaccurate. That kind of information includes : reporting a debt as charged-off when you settled it or paid it in full misstating the balance due reporting late payments when you paid timely listing you as a debtor on an account when you were only the authorized user or supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ( https : XXXX ) ). \nCredit reporting agencies must not include inaccurate information in your credit reports. \nXXXX. Mixed Files Credit reporting agencies can also run afoul of their obligations to report accurate credit information about you. In many instances, this violation happens when a credit bureau mixes your file with someone else 's file with similar background information. \nSome common cases of mixed files include : morphing or duplicating negative credit information with a stranger who shares a similar Social Security number failing to distinguish the XXXX and XXXX. in similar surnames mixing the information of persons with the same last name and similar first names, and combining or mixing credit files of persons with similar names living in the same city or zip code. \n4. Failing to Follow Debt Dispute Procedures When you submit a written dispute about the accuracy of an item on your report ( XXXX XXXX XXXX  ), the credit bureaus and your creditors must take certain actions in response. Their duties include conducting a reasonable investigation of your dispute, correcting any inaccurate information, or even removing the disputed debt from your credit reports.\n\nA credit reporting agency or creditor can fall short of its duties to follow proper dispute procedures under the Fair Credit Reporting Act in a number of other ways.\n\nDebt Dispute Violations by Credit Reporting Agencies Some common FCRA violations by credit reporting agencies include failing to : notify a creditor that you dispute the debt that it has reported conduct a reasonable investigation of your dispute or correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute. \nDebt Dispute Violations by Creditors and Other Information Suppliers Some common creditor and furnisher FCRA violations ( XXXX XXXX XXXX XXXX include failing to : notify every credit reporting agency involved that you dispute the debt submit corrected information to the credit reporting agency subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect conduct an internal investigation of your dispute within 30 days ( or 45 days in some cases ) provide you with a reasonable procedure, including an address, to submit a written dispute or report of identity theft or inform you of the results of its investigation within five business days after it completes the investigation.\n\n5. Privacy Violations Credit reporting agencies can't release your credit reports to just anybody. They can only give them to authorized persons. The agencies may disclose your report only to persons or entities that have a valid need, such as : creditors landlords insurance providers utility companies, and employers ( only if you previously consented ).\n\n6. Requesting a Credit Report for an Impermissible Purpose Even though your employer, creditor, or landlord might be allowed to pull your credit report, they must still have a permissible purpose ( XXXX XXXX XXXX ) to do so. If someone pulls your credit report for an impermissible purpose, then it might be an FCRA violation. \nSome examples of impermissible purposes include : someone pulls your credit report to determine if you're collectible before filing a lawsuit against you on an involuntary debt or other non-credit matter ( for example, in determining whether to file a personal injury lawsuit ) your employer pulls your credit report without your permission or a creditor on a debt you XXXX in bankruptcy pulls your credit report to check out your current financial activity. \nXXXX. Withholding Notices You're entitled to notices concerning the reporting, handling, and use of your credit information. Notice violations under the FCRA might oc cur when : a creditor fails to notify you when it supplies negative credit information to a credit reporting agency a user of credit information ( such as a prospective employer or lender ) fails to notify you of a negative decision ( https : XXXX  ) based on your credit report a creditor fails to provide you with your credit score if it was used as part of any credit decision a creditor fails to notify you of your right to dispute inaccurate credit information a creditor fails to notify you of your right to obtain a free credit report or a creditor or \" user of information '' refuses to identify the source of the credit information it obtained about you.","date_sent_to_company":"2024-11-26T07:17:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28052","tags":null,"has_narrative":true,"complaint_id":"10921931","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-26T07:16:59.000Z","state":"NC","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":["In <em>many</em> instances, this violation happens when a credit bureau mixes your file with someone else 's file with <em>similar</em> background information."],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[11.320854,"10921931"]},{"_index":"complaint-public-v1","_id":"10948158","_score":11.306688,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally demand that you immediately cease and desist all unauthorized activity related to my personal and financial information. This letter serves as a formal notice that your actions constitute identity theft, securities fraud, and fraudulent conveyance, and have resulted in the unconstitutional taking of my private property without just compensation. \nAccount Extinguishment and Restitution I demand the immediate and complete extinguishment of all accounts, both public and private, that have been fraudulently created or accessed using my personal information. All proceeds derived from these accounts must be returned to me, the rightful owner and taxpayer. \nAccounting Standards and Legal Violations The fraudulent creation and use of these accounts violate multiple accounting standards, including those outlined by the XXXX XXXX XXXX XXXX ( XXXX ). Specifically, the unauthorized use of my identity to create and access these accounts constitutes identity theft, a federal crime punishable under 18 U.S.C. 1028. Furthermore, the use of these accounts to engage in securities transactions without my consent constitutes securities fraud, which is a violation of federal securities laws. \nThe fraudulent creation and use of these accounts also constitute a fraudulent conveyance, as they were created to defraud creditors and other parties. This is a violation of state laws governing fraudulent transfers. \nUnconstitutional Taking and Involuntary Servitude The unauthorized use of my personal information to create and access these accounts has resulted in the unconstitutional taking of my private property without just compensation. This violates the Fifth Amendment to the United States Constitution. Additionally, the forced labor and financial burdens imposed on me as a result of these fraudulent accounts constitute involuntary servitude, a violation of the Thirteenth Amendment to the United States Constitution. \nColor of Law and Deprivation of Rights The actions of your organization and its agents have been carried out under the color of law, which is the appearance or use of lawful power to mask an illegal act. By using government authority to access and control my financial information without my consent, your organization has deprived me of my inalienable rights, in violation of 18 U.S.C. 242. \n\nProvisions and penalties for negligent violations are provided under section 617. [ 15 U.S.C. 1681o ]. Any person who demonstrates negligence by failing to comply with any requirement established under this law concerning a consumer is responsible to the consumer for an amount comprising : 1. Any actual damages incurred by the consumer due to the failure ; and 2. In the event of a successful legal action to enforce any liability, the costs associated with the action, as well as reasonable attorney 's fees determined by the court. \n\nFalse Pretenses The law deters fraudulent activities and cases done knowingly under false pretenses. The FCRA penalizes anyone who obtains consumer information from the CRA under false pretenses. As specified under the United States Code, the conduct is punishable by a fine, imprisonment for up to 2 years, or both. \nUnauthorized Disclosure Under section 620. [ 15 U.S.C. 1681r ] of the FCRA, any officer or employee of the consumer reporting agency who knowingly or willfully provides consumers information from the agencys files to any person not authorized to access the information shall be fined or imprisoned for not more than 2 years or both. \n\n\n1. Furnishing and Reporting Old Information Credit reporting agencies and the creditors who supply information to them must provide and keep your credit information current. When your credit circumstances have changed, and the information in your credit report isn't updated to reflect these changes, this failure might be an FCRA violation. \nSome examples of this kind of FCRA violation include : failing to report that a debt was discharged in bankruptcy XXXX XXXX XXXX XXXX XXXX reporting old debts as new or re-aged XXXX XXXX XXXX XXXX XXXX reporting an account as active when it was voluntarily closed by a consumer and reporting certain information XXXX XXXX XXXX XXXX XXXX that's more than seven years old ( like lawsuits ) or ten years old ( XXXX XXXX bankruptcies ). \n2. Furnishing and Reporting Inaccurate Information Your creditor must not supply information to a credit reporting agency that it knows ( or should know ) is inaccurate. That kind of information includes : reporting a debt as charged-off when you settled it or paid it in full misstating the balance due reporting late payments when you paid timely listing you as a debtor on an account when you were only the authorized user or supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft XXXX XXXX XXXX XXXX XXXX ). \nCredit reporting agencies must not include inaccurate information in your credit reports. \n3. Mixed Files Credit reporting agencies can also run afoul of their obligations to report accurate credit information about you. In many instances, this violation happens when a credit bureau mixes your file with someone else 's file with similar background information. \nSome common cases of mixed files include : morphing or duplicating negative credit information with a stranger who shares a similar Social Security number failing to distinguish the Jr. and Sr. in similar surnames mixing the information of persons with the same last name and similar first names, and combining or mixing credit files of persons with similar names living in the same city or zip code. \n4. Failing to Follow Debt Dispute Procedures When you submit a written dispute about the accuracy of an item on your report XXXX XXXX XXXX XXXX XXXX, the credit bureaus and your creditors must take certain actions in response. Their duties include conducting a reasonable investigation of your dispute, correcting any inaccurate information, or even removing the disputed debt from your credit reports. \nA credit reporting agency or creditor can fall short of its duties to follow proper dispute procedures under the Fair Credit Reporting Act in a number of other ways. \nDebt Dispute Violations by Credit Reporting Agencies Some common FCRA violations by credit reporting agencies include failing to : notify a creditor that you dispute the debt that it has reported conduct a reasonable investigation of your dispute or correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute. \nDebt Dispute Violations by Creditors and Other Information Suppliers Some common creditor and furnisher FCRA violations XXXX XXXX XXXX XXXX XXXX include failing to : notify every credit reporting agency involved that you dispute the debt submit corrected information to the credit reporting agency subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect conduct an internal investigation of your dispute within 30 days ( or 45 days in some cases ) provide you with a reasonable procedure, including an address, to submit a written dispute or report of identity theft or inform you of the results of its investigation within five business days after it completes the investigation. \n5. Privacy Violations Credit reporting agencies can't release your credit reports to just anybody. They can only give them to authorized persons. The agencies may disclose your report only to persons or entities that have a valid need, such as : creditors landlords insurance providers utility companies, and employers ( only if you previously consented ). \n6. Requesting a Credit Report for an Impermissible Purpose Even though your employer, creditor, or landlord might be allowed to pull your credit report, they must still have a permissible purpose XXXX XXXX XXXX XXXX XXXX to do so. If someone pulls your credit report for an impermissible purpose, then it might be an FCRA violation. \nSome examples of impermissible purposes include : someone pulls your credit report to determine if you're collectible before filing a lawsuit against you on an involuntary debt or other non-credit matter ( for example, in determining whether to file a personal injury lawsuit ) your employer pulls your credit report without your permission or a creditor on a debt you discharged in bankruptcy pulls your credit report to check out your current financial activity. \n7. Withholding Notices You're entitled to notices concerning the reporting, handling, and use of your credit information. Notice violations under the FCRA might oc cur when : a creditor fails to notify you when it supplies negative credit information to a credit reporting agency a user of credit information ( such as a prospective employer or lender ) fails to notify you of a negative decision XXXX XXXX XXXX XXXX XXXX based on your credit report a creditor fails to provide you with your credit score if it was used as part of any credit decision a creditor fails to notify you of your right to dispute inaccurate credit information a creditor fails to notify you of your right to obtain a free credit report or a creditor or \" user of information '' refuses to identify the source of the credit information it obtained about you.","date_sent_to_company":"2024-11-27T20:02:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"393XX","tags":null,"has_narrative":true,"complaint_id":"10948158","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-27T20:02:42.000Z","state":"MS","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":["In <em>many</em> instances, this violation happens when a credit bureau mixes your file with someone else 's file with <em>similar</em> background information."],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[11.306688,"10948158"]},{"_index":"complaint-public-v1","_id":"10945411","_score":11.306688,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally demand that you immediately cease and desist all unauthorized activity related to my personal and financial information. This letter serves as a formal notice that your actions constitute identity theft, securities fraud, and fraudulent conveyance, and have resulted in the unconstitutional taking of my private property without just compensation. \nAccount Extinguishment and Restitution I demand the immediate and complete extinguishment of all accounts, both public and private, that have been fraudulently created or accessed using my personal information. All proceeds derived from these accounts must be returned to me, the rightful owner and taxpayer.\n\nAccounting Standards and Legal Violations The fraudulent creation and use of these accounts violate multiple accounting standards, including those outlined by the Financial Accounting Standards Board ( FASB ). Specifically, the unauthorized use of my identity to create and access these accounts constitutes identity theft, a federal crime punishable under 18 U.S.C. 1028. Furthermore, the use of these accounts to engage in securities transactions without my consent constitutes securities fraud, which is a violation of federal securities laws. \nThe fraudulent creation and use of these accounts also constitute a fraudulent conveyance, as they were created to defraud creditors and other parties. This is a violation of state laws governing fraudulent transfers. \nUnconstitutional Taking and Involuntary Servitude The unauthorized use of my personal information to create and access these accounts has resulted in the unconstitutional taking of my private property without just compensation. This violates the Fifth Amendment to the United States Constitution. Additionally, the forced labor and financial burdens imposed on me as a result of these fraudulent accounts constitute involuntary servitude, a violation of the Thirteenth Amendment to the United States Constitution.\n\nColor of Law and Deprivation of Rights The actions of your organization and its agents have been carried out under the color of law, which is the appearance or use of lawful power to mask an illegal act. By using government authority to access and control my financial information without my consent, your organization has deprived me of my inalienable rights, in violation of 18 U.S.C. 242.\n\nProvisions and penalties for negligent violations are provided under section 617. [ 15 U.S.C. 1681o ]. Any person who demonstrates negligence by failing to comply with any requirement established under this law concerning a consumer is responsible to the consumer for an amount comprising : 1. Any actual damages incurred by the consumer due to the failure ; and 2. In the event of a successful legal action to enforce any liability, the costs associated with the action, as well as reasonable attorney 's fees determined by the court. \n\nFalse Pretenses The law deters fraudulent activities and cases done knowingly under false pretenses. The FCRA penalizes anyone who obtains consumer information from the CRA under false pretenses. As specified under the United States Code, the conduct is punishable by a fine, imprisonment for up to 2 years, or both.\n\nUnauthorized Disclosure Under section 620. [ 15 U.S.C. 1681r ] of the FCRA, any officer or employee of the consumer reporting agency who knowingly or willfully provides consumers information from the agencys files to any person not authorized to access the information shall be fined or imprisoned for not more than 2 years or both.\n\n1. Furnishing and Reporting Old Information Credit reporting agencies and the creditors who supply information to them must provide and keep your credit information current. When your credit circumstances have changed, and the information in your credit report isn't updated to reflect these changes, this failure might be an FCRA violation. \nSome examples of this kind of FCRA violation include : failing to report that a debt was discharged in bankruptcy XXXX XXXX XXXX XXXX  ) reporting old debts as new or re-aged XXXX XXXX XXXX XXXX XXXX reporting an account as active when it was voluntarily closed by a consumer and reporting certain information ( https : //www.nolo.com/legal-encyclopedia/how-long-does-negative-information-stay-credit-report.html ) that's more than XXXX years old ( like lawsuits ) or XXXX years old ( XXXX  XXXX bankruptcies ). \nXXXX. Furnishing and Reporting Inaccurate Information Your creditor must not supply information to a credit reporting agency that it knows ( or should know ) is inaccurate. That kind of information includes : reporting a debt as charged-off when you settled it or paid it in full misstating the balance due reporting late payments when you paid timely listing you as a debtor on an account when you were only the authorized user or supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ( https : XXXX ) ). \nCredit reporting agencies must not include inaccurate information in your credit reports. \nXXXX. Mixed Files Credit reporting agencies can also run afoul of their obligations to report accurate credit information about you. In many instances, this violation happens when a credit bureau mixes your file with someone else 's file with similar background information. \nSome common cases of mixed files include : morphing or duplicating negative credit information with a stranger who shares a similar Social Security number failing to distinguish the XXXX and XXXX in similar surnames mixing the information of persons with the same last name and similar first names, and combining or mixing credit files of persons with similar names living in the same city or zip code. \n4. Failing to Follow Debt Dispute Procedures When you submit a written dispute about the accuracy of an item on your report XXXX XXXX XXXX XXXX XXXX, the credit bureaus and your creditors must take certain actions in response. Their duties include conducting a reasonable investigation of your dispute, correcting any inaccurate information, or even removing the disputed debt from your credit reports. \nA credit reporting agency or creditor can fall short of its duties to follow proper dispute procedures under the Fair Credit Reporting Act in a number of other ways. \nDebt Dispute Violations by Credit Reporting Agencies Some common FCRA violations by credit reporting agencies include failing to : notify a creditor that you dispute the debt that it has reported conduct a reasonable investigation of your dispute or correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute. \nDebt Dispute Violations by Creditors and Other Information Suppliers Some common creditor and furnisher FCRA violations XXXX XXXX XXXX XXXX XXXX include failing to : notify every credit reporting agency involved that you dispute the debt submit corrected information to the credit reporting agency subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect conduct an internal investigation of your dispute within 30 days ( or 45 days in some cases ) provide you with a reasonable procedure, including an address, to submit a written dispute or report of identity theft or inform you of the results of its investigation within five business days after it completes the investigation.\n\n5. Privacy Violations Credit reporting agencies can't release your credit reports to just anybody. They can only give them to authorized persons. The agencies may disclose your report only to persons or entities that have a valid need, such as : creditors landlords insurance providers utility companies, and employers ( only if you previously consented ). \nXXXX. Requesting a Credit Report for an Impermissible Purpose Even though your employer, creditor, or landlord might be allowed to pull your credit report, they must still have a permissible purpose ( https : //www.nolo.com/legal-encyclopedia/impermissible-credit-report-use.html ) to do so. If someone pulls your credit report for an impermissible purpose, then it might be an FCRA violation. \nSome examples of impermissible purposes include : someone pulls your credit report to determine if you're collectible before filing a lawsuit against you on an involuntary debt or other non-credit matter ( for example, in determining whether to file a personal injury lawsuit ) your employer pulls your credit report without your permission or a creditor on a debt you discharged in bankruptcy pulls your credit report to check out your current financial activity. \nXXXX. Withholding Notices You're entitled to notices concerning the reporting, handling, and use of your credit information. Notice violations under the FCRA might oc cur when : a creditor fails to notify you when it supplies negative credit information to a credit reporting agency a user of credit information ( such as a prospective employer or lender ) fails to notify you of a negative decision ( https : //www.nolo.com/legal-encyclopedia/do-lenders-have-to-tell-you-why-you-are-denied-credit.html ) based on your credit report a creditor fails to provide you with your credit score if it was used as part of any credit decision a creditor fails to notify you of your right to dispute inaccurate credit information a creditor fails to notify you of your right to obtain a free credit report or a creditor or \" user of information '' refuses to identify the source of the credit information it obtained about you.","date_sent_to_company":"2024-11-27T20:02:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"393XX","tags":null,"has_narrative":true,"complaint_id":"10945411","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-27T19:53:25.000Z","state":"MS","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":["In <em>many</em> instances, this violation happens when a credit bureau mixes your file with someone else 's file with <em>similar</em> background information."],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[11.306688,"10945411"]},{"_index":"complaint-public-v1","_id":"10921710","_score":11.306688,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally demand that you immediately cease and desist all unauthorized activity related to my personal and financial information. This letter serves as a formal notice that your actions constitute identity theft, securities fraud, and fraudulent conveyance, and have resulted in the unconstitutional taking of my private property without just compensation.\n\nAccount Extinguishment and Restitution I demand the immediate and complete extinguishment of all accounts, both public and private, that have been fraudulently created or accessed using my personal information. All proceeds derived from these accounts must be returned to me, the rightful owner and taxpayer.\n\nAccounting Standards and Legal Violations The fraudulent creation and use of these accounts violate multiple accounting standards, including those outlined by the Financial Accounting Standards Board ( FASB ). Specifically, the unauthorized use of my identity to create and access these accounts constitutes identity theft, a federal crime punishable under 18 U.S.C. 1028. Furthermore, the use of these accounts to engage in securities transactions without my consent constitutes securities fraud, which is a violation of federal securities laws.\n\nThe fraudulent creation and use of these accounts also constitute a fraudulent conveyance, as they were created to defraud creditors and other parties. This is a violation of state laws governing fraudulent transfers.\n\nUnconstitutional Taking and Involuntary Servitude The unauthorized use of my personal information to create and access these accounts has resulted in the unconstitutional taking of my private property without just compensation. This violates the Fifth Amendment to the United States Constitution. Additionally, the forced labor and financial burdens imposed on me as a result of these fraudulent accounts constitute involuntary servitude, a violation of the Thirteenth Amendment to the United States Constitution.\n\nColor of Law and Deprivation of Rights The actions of your organization and its agents have been carried out under the color of law, which is the appearance or use of lawful power to mask an illegal act. By using government authority to access and control my financial information without my consent, your organization has deprived me of my inalienable rights, in violation of 18 U.S.C. 242.\n\nProvisions and penalties for negligent violations are provided under section 617. [ 15 U.S.C. 1681o ]. Any person who demonstrates negligence by failing to comply with any requirement established under this law concerning a consumer is responsible to the consumer for an amount comprising : 1.Any actual damages incurred by the consumer due to the failure ; and 2.In the event of a successful legal action to enforce any liability, the costs associated with the action, as well as reasonable attorney 's fees determined by the court.\n\nFalse Pretenses The law deters fraudulent activities and cases done knowingly under false pretenses. The FCRA penalizes anyone who obtains consumer information from the CRA under false pretenses. As specified under the United States Code, the conduct is punishable by a fine, imprisonment for up to 2 years, or both.\n\nUnauthorized Disclosure Under section 620. [ 15 U.S.C. 1681r ] of the FCRA, any officer or employee of the consumer reporting agency who knowingly or willfully provides consumers information from the agencys files to any person not authorized to access the information shall be fined or imprisoned for not more than 2 years or both.\n\n1. Furnishing and Reporting Old Information Credit reporting agencies and the creditors who supply information to them must provide and keep your credit information current. When your credit circumstances have changed, and the information in your credit report isn't updated to reflect these changes, this failure might be an FCRA violation.\n\nSome examples of this kind of FCRA violation include : failing to report that a debt was discharged in bankruptcy ( XXXX XXXX XXXX  ) reporting old debts as new or re-aged ( XXXX XXXX XXXX  ) reporting an account as active when it was voluntarily closed by a consumer and reporting certain information ( XXXX XXXX XXXX ) that's more than XXXX years old ( like lawsuits ) or XXXX years old ( XXXX  XXXX bankruptcies ). \n2. Furnishing and Reporting Inaccurate Information Your creditor must not supply information to a credit reporting agency that it knows ( or should know ) is inaccurate. That kind of information includes : reporting a debt as charged-off when you settled it or paid it in full misstating the balance due reporting late payments when you paid timely listing you as a debtor on an account when you were only the authorized user or supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ( https : XXXX ) ). \nCredit reporting agencies must not include inaccurate information in your credit reports. \nXXXX. Mixed Files Credit reporting agencies can also run afoul of their obligations to report accurate credit information about you. In many instances, this violation happens when a credit bureau mixes your file with someone else 's file with similar background information. \nSome common cases of mixed files include : morphing or duplicating negative credit information with a stranger who shares a similar Social Security number failing to distinguish the XXXX and XXXX in similar surnames mixing the information of persons with the same last name and similar first names, and combining or mixing credit files of persons with similar names living in the same city or zip code. \n4. Failing to Follow Debt Dispute Procedures When you submit a written dispute about the accuracy of an item on your report ( https : //www.nolo.com/legal-encyclopedia/disputing-incomplete-and-inaccurate-information-in-your-credit-report.html ), the credit bureaus and your creditors must take certain actions in response. Their duties include conducting a reasonable investigation of your dispute, correcting any inaccurate information, or even removing the disputed debt from your credit reports.\n\nA credit reporting agency or creditor can fall short of its duties to follow proper dispute procedures under the Fair Credit Reporting Act in a number of other ways.\n\nDebt Dispute Violations by Credit Reporting Agencies Some common FCRA violations by credit reporting agencies include failing to : notify a creditor that you dispute the debt that it has reported conduct a reasonable investigation of your dispute or correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute.\n\nDebt Dispute Violations by Creditors and Other Information Suppliers Some common creditor and furnisher FCRA violations ( https : //www.nolo.com/legal-encyclopedia/how-dispute-credit-report-items-with-the-creditor-collector.html ) include failing to : notify every credit reporting agency involved that you dispute the debt submit corrected information to the credit reporting agency subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect conduct an internal investigation of your dispute within 30 days ( or 45 days in some cases ) provide you with a reasonable procedure, including an address, to submit a written dispute or report of identity theft or inform you of the results of its investigation within five business days after it completes the investigation.\n\n5. Privacy Violations Credit reporting agencies can't release your credit reports to just anybody. They can only give them to authorized persons. The agencies may disclose your report only to persons or entities that have a valid need, such as : creditors landlords insurance providers utility companies, and employers ( only if you previously consented ). \nXXXX. Requesting a Credit Report for an Impermissible Purpose Even though your employer, creditor, or landlord might be allowed to pull your credit report, they must still have a permissible purpose ( XXXX XXXX XXXX  ) to do so. If someone pulls your credit report for an impermissible purpose, then it might be an FCRA violation. \nSome examples of impermissible purposes include : someone pulls your credit report to determine if you're collectible before filing a lawsuit against you on an involuntary debt or other non-credit matter ( for example, in determining whether to file a personal injury lawsuit ) your employer pulls your credit report without your permission or a creditor on a debt you discharged in bankruptcy pulls your credit report to check out your current financial activity.\n\n7. Withholding Notices You're entitled to notices concerning the reporting, handling, and use of your credit information. Notice violations under the FCRA might oc cur when : a creditor fails to notify you when it supplies negative credit information to a credit reporting agency a user of credit information ( such as a prospective employer or lender ) fails to notify you of a negative decision ( https : //www.nolo.com/legal-encyclopedia/do-lenders-have-to-tell-you-why-you-are-denied-credit.html ) based on your credit report a creditor fails to provide you with your credit score if it was used as part of any credit decision a creditor fails to notify you of your right to dispute inaccurate credit information a creditor fails to notify you of your right to obtain a free credit report or a creditor or \" user of information '' refuses to identify the source of the credit information it obtained about you.","date_sent_to_company":"2024-11-26T07:16:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28052","tags":null,"has_narrative":true,"complaint_id":"10921710","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-26T06:53:19.000Z","state":"NC","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":["In <em>many</em> instances, this violation happens when a credit bureau mixes your file with someone else 's file with <em>similar</em> background information."],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[11.306688,"10921710"]},{"_index":"complaint-public-v1","_id":"10921704","_score":11.306688,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally demand that you immediately cease and desist all unauthorized activity related to my personal and financial information. This letter serves as a formal notice that your actions constitute identity theft, securities fraud, and fraudulent conveyance, and have resulted in the unconstitutional taking of my private property without just compensation. \nAccount Extinguishment and Restitution I demand the immediate and complete extinguishment of all accounts, both public and private, that have been fraudulently created or accessed using my personal information. All proceeds derived from these accounts must be returned to me, the rightful owner and taxpayer.\n\nAccounting Standards and Legal Violations The fraudulent creation and use of these accounts violate multiple accounting standards, including those outlined by the Financial Accounting Standards Board ( FASB ). Specifically, the unauthorized use of my identity to create and access these accounts constitutes identity theft, a federal crime punishable under 18 U.S.C. 1028. Furthermore, the use of these accounts to engage in securities transactions without my consent constitutes securities fraud, which is a violation of federal securities laws.\n\nThe fraudulent creation and use of these accounts also constitute a fraudulent conveyance, as they were created to defraud creditors and other parties. This is a violation of state laws governing fraudulent transfers.\n\nUnconstitutional Taking and Involuntary Servitude The unauthorized use of my personal information to create and access these accounts has resulted in the unconstitutional taking of my private property without just compensation. This violates the Fifth Amendment to the United States Constitution. Additionally, the forced labor and financial burdens imposed on me as a result of these fraudulent accounts constitute involuntary servitude, a violation of the Thirteenth Amendment to the United States Constitution.\n\nColor of Law and Deprivation of Rights The actions of your organization and its agents have been carried out under the color of law, which is the appearance or use of lawful power to mask an illegal act. By using government authority to access and control my financial information without my consent, your organization has deprived me of my inalienable rights, in violation of 18 U.S.C. 242.\n\nProvisions and penalties for negligent violations are provided under section 617. [ 15 U.S.C. 1681o ]. Any person who demonstrates negligence by failing to comply with any requirement established under this law concerning a consumer is responsible to the consumer for an amount comprising : 1.Any actual damages incurred by the consumer due to the failure ; and 2.In the event of a successful legal action to enforce any liability, the costs associated with the action, as well as reasonable attorney 's fees determined by the court.\n\nFalse Pretenses The law deters fraudulent activities and cases done knowingly under false pretenses. The FCRA penalizes anyone who obtains consumer information from the CRA under false pretenses. As specified under the United States Code, the conduct is punishable by a fine, imprisonment for up to 2 years, or both.\n\nUnauthorized Disclosure Under section 620. [ 15 U.S.C. 1681r ] of the FCRA, any officer or employee of the consumer reporting agency who knowingly or willfully provides consumers information from the agencys files to any person not authorized to access the information shall be fined or imprisoned for not more than 2 years or both.\n\n1. Furnishing and Reporting Old Information Credit reporting agencies and the creditors who supply information to them must provide and keep your credit information current. When your credit circumstances have changed, and the information in your credit report isn't updated to reflect these changes, this failure might be an FCRA violation. \nSome examples of this kind of FCRA violation include : failing to report that a debt was XXXX in bankruptcy ( https : XXXX ) reporting old debts as new or re-aged ( https : XXXXl ) reporting an account as active when it was voluntarily closed by a consumer and reporting certain information ( https : XXXX  ) that's more than seven years old ( like lawsuits ) or ten years old ( XXXX  XXXX bankruptcies ). \nXXXX. Furnishing and Reporting Inaccurate Information Your creditor must not supply information to a credit reporting agency that it knows ( or should know ) is inaccurate. That kind of information includes : reporting a debt as charged-off when you settled it or paid it in full misstating the balance due reporting late payments when you paid timely listing you as a debtor on an account when you were only the authorized user or supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ( https : XXXX ) ). \nCredit reporting agencies must not include inaccurate information in your credit reports. \nXXXX. Mixed Files Credit reporting agencies can also run afoul of their obligations to report accurate credit information about you. In many instances, this violation happens when a credit bureau mixes your file with someone else 's file with similar background information. \nSome common cases of mixed files include : morphing or duplicating negative credit information with a stranger who shares a similar Social Security number failing to distinguish the XXXX and XXXX in similar surnames mixing the information of persons with the same last name and similar first names, and combining or mixing credit files of persons with similar names living in the same city or zip code. \nXXXX. Failing to Follow Debt Dispute Procedures When you submit a written dispute about the accuracy of an item on your report ( https : XXXX  ), the credit bureaus and your creditors must take certain actions in response. Their duties include conducting a reasonable investigation of your dispute, correcting any inaccurate information, or even removing the disputed debt from your credit reports. \nA credit reporting agency or creditor can fall short of its duties to follow proper dispute procedures under the Fair Credit Reporting Act in a number of other ways. \nDebt Dispute Violations by Credit Reporting Agencies Some common FCRA violations by credit reporting agencies include failing to : notify a creditor that you dispute the debt that it has reported conduct a reasonable investigation of your dispute or correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute. \nDebt Dispute Violations by Creditors and Other Information Suppliers Some common creditor and furnisher FCRA violations ( https XXXX XXXX  ) include failing to : notify every credit reporting agency involved that you dispute the debt submit corrected information to the credit reporting agency subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect conduct an internal investigation of your dispute within 30 days ( or 45 days in some cases ) provide you with a reasonable procedure, including an address, to submit a written dispute or report of identity theft or inform you of the results of its investigation within five business days after it completes the investigation. \nXXXX. Privacy Violations Credit reporting agencies can't release your credit reports to just anybody. They can only give them to authorized persons. The agencies may disclose your report only to persons or entities that have a valid need, such as : creditors landlords insurance providers utility companies, and employers ( only if you previously consented ). \nXXXX. Requesting a Credit Report for an Impermissible Purpose Even though your employer, creditor, or landlord might be allowed to pull your credit report, they must still have a permissible purpose ( https : //www.nolo.com/legal-encyclopedia/impermissible-credit-report-use.html ) to do so. If someone pulls your credit report for an impermissible purpose, then it might be an FCRA violation. \nSome examples of impermissible purposes include : someone pulls your credit report to determine if you're collectible before filing a lawsuit against you on an involuntary debt or other non-credit matter ( for example, in determining whether to file a personal injury lawsuit ) your employer pulls your credit report without your permission or a creditor on a debt you XXXX in bankruptcy pulls your credit report to check out your current financial activity. \nXXXX. Withholding Notices You're entitled to notices concerning the reporting, handling, and use of your credit information. Notice violations under the FCRA might oc cur when : a creditor fails to notify you when it supplies negative credit information to a credit reporting agency a user of credit information ( such as a prospective employer or lender ) fails to notify you of a negative decision ( https : //XXXX ) based on your credit report a creditor fails to provide you with your credit score if it was used as part of any credit decision a creditor fails to notify you of your right to dispute inaccurate credit information a creditor fails to notify you of your right to obtain a free credit report or a creditor or \" user of information '' refuses to identify the source of the credit information it obtained about you.","date_sent_to_company":"2024-11-26T07:17:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28052","tags":null,"has_narrative":true,"complaint_id":"10921704","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Veros Credit, LLC","date_received":"2024-11-26T07:16:59.000Z","state":"NC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["In <em>many</em> instances, this violation happens when a credit bureau mixes your file with someone else 's file with <em>similar</em> background information."],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[11.306688,"10921704"]},{"_index":"complaint-public-v1","_id":"8784689","_score":11.2621765,"_source":{"product":"Credit card","complaint_what_happened":"I am writing this complaint letter against Discover. My husband and I have sent them a tender of payment and have not gotten a response. With the tender payment I sent a letter of instruction in this letter I sent UCC that show them why and how my tender of payment is valid.\n\nUCC 3-104, 3-301, 3-603, 3-111, 3-604. You will find the letter attached. I know they got the letter because I sent it registered mail and got a receipt that they had received it.\n\nTo further support, my tender payment is the following : 12 U.S. Code 5481 - Definitions Sense Complaint ( 18 ) Payment instrument The term payment instrument means a check, draft, warrant, money order, travelers check, electronic instrument, or other instrument, payment of funds, or monetary value ( other than currency ).\n\n( 29 ) Transmitting or exchanging funds The term transmitting or exchanging funds means receiving currency, monetary value, or payment instruments from a consumer for the purpose of exchanging or transmitting the same by any means, including transmission by wire, facsimile, electronic transfer, courier, the Internet, or through bill payment services or through other businesses that facilitate third-party transfers within the United States or to or from the United States .\n\nAs I continue to study and gain the knowledge of securities and securitization and the codes and laws that govern them it has led me to knowledge of the numerous inconsistencies in the contracts/application.\n\nFAILURE TO DISCLOSE : Title 15 U.S. Code 1635 ( a ) Disclosure of obligors right to rescind.\n\nTitle 28 CFR 16.53 ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ) - Use and collection of social security numbers.\n\nTitle 42 U.S. Code 408 ( 8 ) - Penalties ( related to Disclosure of the use of Social Security Numbers ).\n\nTitle 17 CFR 248.1 ( a ) ( 1 ) ( 2 ) ( 3 ) - Initial privacy notice to consumers required, 17 CFR 248.49 ( a ) ( 2 ), 17 CFR 248.6 Information to be included in privacy notices, 17 CFR 248.7 ( a ) ( 1 ) ( i ) ( ii ) ( iii ) - Form of opt out notice to consumers ; opt out methods.\n\nTitle 12 CFR 360.6 ( a ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( 8 ) ( 9 ) - Treatment of financial assets transferred in connection with a securitization or participation ( Transparency regarding the process of the consumer credit application & financial asset ( s ) Take notice pursuant to Title 15 U.S. Code 1635 ( a ) : Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section.\n\nI was never given a notice informing me I had the right to rescind.\n\nThe use of my Social Security Number was abused in the process as well. Pursuant to 28 CFR 16.53, I was NEVER given disclosure that ( 1 ) Whether providing social security numbers is mandatory or voluntary ; ( 2 ) Any statutory or regulatory authority that authorizes the collection of social security numbers ; and/or ( 3 ) The uses that will be made of the numbers. Pursuant to 42 U.S. Code 408 ( 8 ), Penalties for whoever ; ( 8 ) discloses, uses, or compels the disclosure of the social security number of any person in violation of the laws of the United States ; shall be guilty of a felony and upon conviction thereof shall be fined under title 18 or imprisoned for not more than ( 5 ) five years, or both, except that in the case of a person who receives a fee or other income for services performed in connection with any determination with respect to benefits under this subchapter ( including a claimant representative, translator, or current or former employee of the Social Security Administration ), or who is a physician or other health care provider who submits, or causes the submission of, medical or other evidence in connection with any such determination, such person shall be guilty of a felony and upon conviction thereof shall be fined under title 18, or imprisoned for not more than ( 10 ) ten years, or both.\n\nA clear & direct violation of FEDERAL REGULATIONS as well as the TRUTH IN LENDING ACT where penalties range from the following ; Twice the amount of any finance charge in connection with the transaction. \n25 % of the total amount of monthly payments under the lease, minimum {$200.00}, and maximum {$2000.00}. \nAn individual action relating to an open-end consumer credit plan that is not secured by real property or a dwelling : twice the amount of any finance charge in connection with the transaction, minimum {$500.00}, and maximum {$5000.00} which could be even higher where a violation is evinced by an established pattern or practice of such failures. \nAn individual action relating to a closed-end transaction secured by real property or a dwelling : either minimum {$400.00}, and maximum {$4000.00}, or, in the case of a class action, such amount as the court may allow, no minimum per each member of the class, and the total recovery in any class action ( or series of class actions ) arising out of the same failure to comply by the same creditor may not be more than the lesser of {>= $1,000,000} or 1 % of the net worth of the creditor. \n\nAnd in the case of a failure to comply with many TILA requirements set forth in certain sections of Regulation Z : an amount equal to the sum of all finance charges and fees paid by the consumer unless the creditor demonstrates that the failure to comply is not material. \n\nAs far as FAILURE TO DISCLOSE goes, there was a negligence of transparency pursuant to Title 12 CFR 360.6 ( a ) Treatment of financial assets transferred in connection with a securitization or participation : ( a ) Definitions ( 2 ) Financial asset means cash or a contract or instrument that conveys to one entity a contractual right to receive cash or another financial instrument from another entity.\n\nMy Social Security number and signature on the application/contract is what gave the value to the instrument. My Social Security number and signature was used to create an Asset- Based Security ( aka ABS ). Which they failed to disclose.\n\n( 3 ) Investor means a person or entity that owns an obligation issued by an issuing entity.\n\nI am the investor it was my social Security number and signature that gave the credit to begin with. which I was not aware of, and they failed to disclose. \n\n( 4 ) Issuing entity means an entity that owns a financial asset or financial assets transferred by the sponsor and issues obligations supported by such asset or assets. Issuing entities may include, but are not limited to, corporations, partnerships, trusts, and limited liability companies and are commonly referred to as special purpose vehicles or special purpose entities. To the extent a securitization is structured as a multi-step transfer, the term issuing entity would include both the issuer of the obligations and any intermediate entities that may be a transferee. Notwithstanding the foregoing, a Specified GSE or an entity established or guaranteed by a Specified GSE shall not constitute an issuing entity. \n\nDiscover card Execution note trust is the issuing entity the sponsor is Discover Bank and their trustee holds payment of my principal or interest evidenced by their indenture trust agreement with the United States securities and exchange commission that can be found in their 10-k report exhibit 4.1. As I look into the application/contract, they did not inform me in a clear inconspicuous way that I was giving them my security interest and all of my proceeds. No one would ever agree to terms and conditions. I will include a diagram how they are structured.\n\n( 5 ) Monetary default means a default in the payment of principal or interest when due following the expiration of any cure period. \nDiscover has defaulted on payments owed to me. \n\n( 6 ) Obligation means a debt or equity ( or mixed ) beneficial interest or security that is primarily serviced by the cash flows of one or more financial assets or financial asset pools, either fixed or revolving, that by their terms convert into cash within a finite time period, or upon the disposition of the underlying financial assets, and by any rights or other assets designed to assure the servicing or timely distributions of proceeds to the security holders issued by an issuing entity. The term may include beneficial interests in a grantor trust, common law trust or similar issuing entity to the extent that such interests satisfy the criteria set forth in the preceding sentence, but does not include LLC interests, partnership interests, common or preferred equity, or similar instruments evidencing ownership of the issuing entity. \n\nI am a security holder and the beneficiary of the security interest. I know that my beneficiary security interest is being held in a grantor trust. Discover also failed to provide how I would gain access to my security interest and that I have the option of opting out of that part of the contract and retaining my security interest, and all of my proceeds. \nThis also can be found in their XXXX  report that is filed with the SEC. Which they failed to disclose.\n\nFerthermore I would like to bring to your attention 17 CFR 240.15 c3-3 Consumer protection, serves and custody of security. There are so much important information that is not being disclosed like ( e ) Special reserve bank accounts for the exclusive benefit of customers and PAB accounts. \n\nWhy not disclose that I would say they are being deceptive and hiding what they are doing. I have the right to have access to my account. How could they ever say that Im late on a payment if they control and and have access to the funds that are in it.\n\n( 2 ) Disclosure and record requirements.\n\n( i ) except as provided in paragraph ( o ) ( 2 ) ( ii ), before a broker or dealer registered with the Commission pursuant to section 15 ( b ) ( 1 ) of the Act ( 15 U.S.C. 78o ( b ) ( 1 ) ) accepts the first order for a security futures product from or on behalf of a customer, the broker or dealer shall furnish the customer with a disclosure document containing the following information : ( C ) A statement indicating whether the customer 's security futures products will be held in a securities account or a futures account, or whether the firm permits customers to make or change an election of account type. \n\nI was never given a statement informing that I had that option. I would in courage you to read 17 CFR 240.15 c3-3 in its entirety as I only highlighted a very small portion.\n\nAs to FAILURE TO PERFORM, pursuant to 12 U.S. Code 83 ( a ) the General prohibition states : No national bank shall make any loan or discount on the security of the shares of its own capital stock. With this evidence present, how was a Extension of Credit ever presented by Discover to ME!? Ill tell you how. \n\nThe initial credit application with my signature is what allowed Discover to access the credit to begin with. That credit application where my social security number and signature was used against my own will and without my knowledge was securitized and turned into an ABS or Asset-Based Security unbeknownst to me, operating in good-faith at the time. \n\nNow it made me asked myself where is the monthly payments going? If I was the one who gave the Credit to begin with. I found my answer in Discovers prospectus. \n\nCredit Card XXXX XXXX We securitize credit card receivables as a source of funding. We access the asset-backed securitization market using the Discover Card XXXX XXXX I ( XXXX ) and the Discover Card Execution Note Trust ( XXXX ). In connection with our securitization transactions, credit card receivables are transferred to XXXX. XXXX has issued a certificate representing the beneficial interest in its credit card receivables to XXXX. We issue XXXX XXXX notes in public and private transactions, which are collateralized by the beneficial interest certificate held by XXXX. From time to time, we may add credit card receivables to XXXX to create sufficient funding capacity for future securitizations while managing sellers interest. During 2023, we added $ XXXX of credit card loan receivables to the securitization trust, which increased sellers interest. As of XXXX, 2023, there were {$30.00} XXXX of credit card XXXX I would say that there are many more failures on Discovers part to disclose what they are doing and they are being deceptive. As you can see they are not operating in good-faith. Discover has said they are closing my account and my husband account. Im not sure how they can do this when they have not returned the security interest their trustee holds and the original application that gave the extension of credit to begin with. Without me/husband the application is worthless. It was our Social Security number and signature that brought the value. Discover Bank is a securitization agents all they can do is securitize the instrument where is our consideration? \n\nFor further evidence see 15 U.S. Code 1602 - Definitions and rules of construction ( k ) The term adequate notice, as used in section 1643 of this title, means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. \nA thorough investigation in to these violations and immediate action to rectify any non-compliance with legal provisions. Your prompt attention to this matter and timely response is appreciated in addressing these concerns.","date_sent_to_company":"2024-04-16T08:17:31.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"967XX","tags":null,"has_narrative":true,"complaint_id":"8784689","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2024-04-16T06:48:12.000Z","state":"HI","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["The term may include beneficial interests in a grantor trust, common law trust or <em>similar</em> issuing entity to the extent that such interests satisfy the criteria set forth in the preceding sentence, but does not include LLC interests, partnership interests, common or preferred equity, or <em>similar</em> instruments evidencing ownership of the issuing entity. \n\nI am a <em>security</em> holder and the beneficiary of the <em>security</em> interest."],"issue":["<em>Other</em> features, terms, or problems"],"sub_issue":["<em>Other</em> problem"]},"sort":[11.2621765,"8784689"]},{"_index":"complaint-public-v1","_id":"2753472","_score":11.254772,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"We MUST end the Credit Bureau industry as a for profit * I will ; be emailing this out to as many Candidates as I can locate and I will be re-sending this information daily until politicians get rid of the credit bureau industrys Domestic XXXX. \n\nThe purpose of this complaint is three fold : 1. To update my continued complaint and provide an Authentic step by step historical display how TransUnion continues to break the law, which will be helpful with my imminent lawsuit. \n2. To provide the public and Congress and other law firms a true account of the defiance TransUnion, XXXX and XXXX has towards the American Judicial system and Congress. \nXXXX. To provide and document the chronological history, which will help assist in my imminent civil litigation To the candidates who have a tough fight for Re-Election in XX/XX/XXXX. Voice your disgust with the credit bureau industry, come up with a viable plan to end this type of domestic terrorism. You will gain votes as nearly everyone of your voters would support ending the Credit bureau industry as it is, just ask them yourselves. Further, it could separate you from other opponents. \n\nReason # 1 From a reliable source : XXXX may have been responsible for the XXXX hack, if this is true. They can identify employees in every govt and corporate industry who may be vulnerable to blackmail or bribes. We must end the for profit Credit Bureau industry and place it in the hands of our Government to allow them to protect this highly valuable personal information from XXXX and Countries who would use it to infiltrate our most classified information. \n\nReason # 2 The Credit Bureaus are in defiance of the American government. They pay little, if any attention to laws or policies. Look what I am going through with TransUnion, XXXX and XXXX. \n\nTransUnion has violated and ignored so many laws and requirements I truly do not know where to start. As a result, it seems I am forced to do what Congress should be doing. \nI have just created my efile account with the Circuit Court in my County and will be filing a civil complaint for {$200000.00}, see attachment. I will be amending the complaint over the next few months requesting Class Action Certification and unlike these law firms who are simply looking to a quick buck ; There will be no Settlement! In an effort to protect family members, friends, relatives and all potential victims, I want full discovery to expose the egregious and criminal policies the Credit Bureaus practice and a trail by my peers to decide their fate. \n\nThe responsible-corporate-officer doctrine provides that a defendant may be guilty if he or she had, by reason of his [ or her ] position in the corporation, responsibility and authority either to prevent in the first instance, or promptly to correct, the alleged violations of law. United States v. XXXX, XXXX XXXX XXXX, XXXX ( XX/XX/XXXX ). Notably, the law does not require a corporate officer to be aware of wrongdoing within the company. Instead, the officer is culpable simply because he or she had the authority either to prevent or to remedy the criminal violation 1st draft of my Civil complaint currently claims the following : Breach of Contract Violation of the FCRA Personal injury charge, Fraud and criminal claims against the CEO XXXX XXXX TransUnion Continues to deceive consumers who buy memberships. I have a TransUnion Membership and although TransUnion claims the information I am paying for is the most up to date, I can assure you and emphatically prove it is not. \nTransUnion recently settled with the CFPB and paid a XXXX XXXX fine for deceiving consumers who pay for their credit scores. Yet they continue to provide inaccurate credit scores, therefore TransUnion is in breach of that agreement. \nTransUnion is currently facing several Class actions all claiming violations of the FCRA. In each class action claim TransUnion has failed to improve the manner of how they investigate consumer claims and has failed to implement steps to assure more accurate reporting of consumer information. These steps were requirements in every case TransUnion settled. \nJust look at the recent class actions settled in the last few months : XXXX XXXX fine for XXXX and wrongly tagging people as XXXX XXXX XXXX fine for deceiving consumers about the usefulness and cost of credit scores they bought. \nXXXX XXXX violating the Fair Credit Reporting Act and various state laws by failing to take reasonable steps to ensure accuracy in reporting debts discharged in bankruptcy. \n\n*There are literally over a dozen new lawsuits filed in XX/XX/XXXX and many more being prepared to file for XX/XX/XXXX. The Credit Bureaus by far are the top 5 complaints by consumers and regardless of how many lawsuits or what the requirements are, transUnion, XXXX and XXXX deliberately continue the same or similar policies The practice of Credit Bureaus operating in the private sector as a for profit industry MUST end. The gathering of personal credit information is a national security issue, breaches of this information is an imminent threat that jeopardizes the security of America. \n\nThe Credit Bureau industry as a for profit Business MUST end, the information the bureaus collect is far too sensitive and they have demonstrated an inability to protect our information, an unwillingness to place the proper safeguards and policies as required for accuracy. Think about this for a moment ... what other industry or business has the ability to destroy an individuals life? With the power to determine every aspect of your life ; Where you live, where you can work, what you can afford, etc.. and they have proven far too many times to be indifferent towards the lives they destroy, How many times must the Credit Bureaus be sued for the same reckless and egregious behavior. Count all the settlements and sanctions and look where we are. \n\nAdditionally, the information the Credit bureaus possess on individuals should be considered a National Security risk, they have private information on our Senators, Representatives, Judges, Military, FBI member 's, etc ... This must be a government run industry. I will be sending letters to Congress and publishing articles online, in blogs etc.. to get this idea out there and see the publics response.","date_sent_to_company":"2017-12-13T09:39:47.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48322","tags":null,"has_narrative":true,"complaint_id":"2753472","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-12-13T04:31:47.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["*There are literally over a dozen new lawsuits filed in XX/XX/XXXX and <em>many</em> more being prepared to file for XX/XX/XXXX. The Credit Bureaus by far are the top 5 complaints by consumers and regardless of how <em>many</em> lawsuits or what the requirements are, transUnion, XXXX and XXXX deliberately continue the same or <em>similar</em> policies The practice of Credit Bureaus operating in the private sector as a for profit industry MUST end."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"]},"sort":[11.254772,"2753472"]},{"_index":"complaint-public-v1","_id":"11452063","_score":11.0781975,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has chosen to refuse to release my legally protected United States of America XXXX Social Security XXXX XXXX to me. Over the past few years, XXXX XXXX 's own banking representative ( s, ) have chosen to flag my account ( s, ) for fraud without my prior consent or knowledge. Most recently, XXXX \" XXXX XXXX XXXX  with XXXX  # XXXX seems to have accessed my Hancock Whitney Bank Account ( XXXX, ) without my permission to lock them down for no reason at all. He is current employee of XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX Branch. The understanding is that he is a management employee of Hancock Whitney Bank. \n\nXXXX XXXX XXXX XXXX and his blood relative ( s, ) held me illegally under duress after putting me on mind-altering substances, and this man himself physically was inside XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX himself as \" joint '' to my own personal Hancock Whitney Bank account XXXX After XXXX XXXX XXXX & his blood relative ( XXXX, ) had completed having me take out loans in the tens of thousands of dollars, abused me in many ways ... another XXXX XXXX Banking XXXX XXXX XXXX XXXX in the State of Mississippi allowed XXXX XXXX XXXX XXXX to physically walk into their branch 's building to close out my own personal Hancock Whitney Bank Account. I found out this was done while I was attempting to receive proper medical care at XXXX XXXX XXXX XXXX XXXX XXXX, Mississippi & my previous XXXX XXXX XXXX bank account 'd debit card was declined & so was my attempt to seek proper medical treatment from effects to my body by XXXX XXXX XXXX & his blood relative ( s. ) I have also been lied to by Hancock Whitney Banking XXXX 's \" XXXX Services '' employee, female, on the United States of America 's Veteran 's Day Holiday of XX/XX/XXXX that, paraphrased, \" my lost XXXX XXXX XXXX XXXX has been deactivated and a new debit card has been issued. '' That same week, an employee of Hancock Whitney known as \" XXXX XXXX XXXX XXXX' with XXXXS # XXXX disclosed to me on Hancock Whitney 's physical branch line in XXXXXXXX XXXX with direct phone number XXXX that thus far no new XXXX XXXX debit card has been issued to me. \n\nPersonally, XXXX XXXX XXXX has done an amazing job at assisting me as an employee of Hancock Whitney Bank. Most other employee ( s, ) of Hancock Whitney Bank have not done a great job at assisting me & have caused me much harm. XXXX XXXX XXXX really, in my personal opinion, be the CEO/President of all of Hancock Whitney !\n\nI have been lied to on multiple occasion ( s, ) lied to on multiple occasion ( s, ) and experienced other type ( s, ) of physical, mental, emotional, spiritual, and especially financial harm by many employee 's of Hancock Whitney Bank across the past few years. These conversation ( s, ) have been over Hancock Whitney Bank 's recorded phone lines including but not limited to \" XXXX. '' Unfortunately, Hancock Whitney Banking XXXX has also chosen to remain complicit with the abuse of myself by XXXX XXXX XXXX XXXX and his blood relative ( s, ) who reside in the State of Mississippi, the State of Texas, etc. The understanding is that Hancock Whitney 's own executive ( s, ) have likely communicated about my legally protected Hancock Whitney Banking Information via their banking institution ( s, ) communication methods as well as their own personal communication ( s, ) methods.\n\nHancock Whitney 's own subsidiaries & other types of investment firm ( s, ) under Hancock Whitney 's \" banking umbrella, '' including but not limited to \" XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' have been known as \" common knowledge '' to be investing in law firms in the State of Louisiana & across other legal jurisdiction ( s, ) of the United States of America while collecting willfully & in full knowledge of the ethical concerns of what they are doing as representative ( s, ) of Hancock Whitney ... attorney 's own client 's information that is legally protected under attorney-client relationship. \n\nMost recently, through a phone call someone unrelated to myself, an employee of XXXX XXXX XXXX XXXX XXXX 's, who XXXX XXXX with FDIC XXXX # XXXX is a shareholder of, disclosed to an individual on record that, paraphrased \" she provides investments to many attorney 's across multiple states in the United States of America, and I know all about all of our attorney 's clients cases. '' She also indicated to this particular individual, paraphrased : \" that she commonly accepts bribes from the attorney 's her & her co-workers approve for loans & funding in exchange for more loans and/or funding of legal cases. '' This employee also disclosed, paraphrased, that \" all of her attorneys have her cell phone number & we talk all the time. '' This recent phone conversation that took place on XX/XX/XXXX around XXXXXXXX XXXX XXXXXXXX was XXXX XXXX XXXX. XXXX XXXX XXXX is currently the Vice President of Litigation Financing for \" XXXX XXXX XXXX XXXX XXXX. Her XXXX XXXX email address is : XXXX, her office phone number at XXXX XXXX is : XXXX. Her cell phone number, likely used for both work & personal communications is : XXXX. Her XXXX XXXX Banking XXXX phone extension is : XXXX. \n\nThe \" common knowledge '' about \" Hancock Whitney Bank '' and all of it's affiliated LLC ( s, ) subsidiar ( s, ) and some but not all of their current & previous employee ( s, ) including but not limited to this banking institution 's management employee 's, and executive 's is that : \" Hancock Whitney '' is known to treat their own employee ( s, ) as an individual with \" a XXXX '' would treat his own \" XXXX. '' There is also \" common knowledge '' by some of XXXX XXXX 's previous employee ( XXXX, ) that XXXX harassment & other type ( XXXX, ) of unwanted XXXX contact has happened between employee ( XXXX, ) of XXXX XXXX before. Unfortunately, instead of the perpetrator ( XXXX, ) were terminated with Severance Agreement ( XXXX, ) instead of the abuser ( XXXX ) being terminated. This has likely happened in many instance ( XXXX, ) since \" XXXX XXXX '' was originally formed & founded on XX/XX/XXXX by its founders. \n\nI am seeking for my Social Security XXXX XXXX funds currently being \" held XXXX '' inside of my XXXX XXXX XXXX Account ending in \" XXXX '' in the amount of \" {$150.00} '' to be immediately released to me before the end of the business day XX/XX/XXXX without any need to be physically present at any XXXX XXXX Banking XXXX due to the unfortunate circumstance ( XXXX, ) surrounding \" Hancock Whitney Bank '' listed above. \n\nAlso, the \" XXXX XXXX '' by many individual ( XXXX, ) is that many, though not all, banking institution ( XXXX, ) have chosen to do the same & similar act ( XXXX, ) towards their current & previous employee ( XXXX, ) client ( XXXX, ) and investor ( s. ) Thank you!","date_sent_to_company":"2025-01-09T21:52:58.000Z","issue":"Closing an account","sub_product":"Other banking product or service","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"11452063","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"HANCOCK WHITNEY BANK","date_received":"2025-01-09T20:27:38.000Z","state":"MS","company_public_response":null,"sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["Also, the \" XXXX XXXX '' by <em>many</em> individual ( XXXX, ) is that <em>many</em>, though not all, banking institution ( XXXX, ) have chosen to do the same & <em>similar</em> act ( XXXX, ) towards their current & previous employee ( XXXX, ) client ( XXXX, ) and investor ( s. ) Thank you!"],"sub_product":["<em>Other</em> banking product or 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