{"took":202,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":260,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11375932","_score":20.177969,"_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> ) <em>requires</em> 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":[20.177969,"11375932"]},{"_index":"complaint-public-v1","_id":"11362135","_score":20.158491,"_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> ) <em>requires</em> 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":[20.158491,"11362135"]},{"_index":"complaint-public-v1","_id":"11377335","_score":20.140884,"_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> ) <em>requires</em> 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":[20.140884,"11377335"]},{"_index":"complaint-public-v1","_id":"7024689","_score":14.411684,"_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":[14.411684,"7024689"]},{"_index":"complaint-public-v1","_id":"8613868","_score":12.7007065,"_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 <em>required</em> to perform as specified within the indenture and"],"issue":["<em>Other</em> features, terms, or problems"],"sub_issue":["<em>Other</em> problem"]},"sort":[12.7007065,"8613868"]},{"_index":"complaint-public-v1","_id":"2753472","_score":12.552348,"_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":["United <em>States</em> v. XXXX, XXXX XXXX XXXX, XXXX ( XX/XX/XXXX ). Notably, the law does not <em>require</em> a corporate officer to be aware of wrongdoing within the company."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"]},"sort":[12.552348,"2753472"]},{"_index":"complaint-public-v1","_id":"6641357","_score":12.390764,"_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":[12.390764,"6641357"]},{"_index":"complaint-public-v1","_id":"8784689","_score":12.228836,"_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":[12.228836,"8784689"]},{"_index":"complaint-public-v1","_id":"17836784","_score":12.052297,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Complaint Against Fundo, LLC for Illegal Collection Practices, Improper XXXX XXXX, Refusal to Validate Debt, Misrepresentation of Federal Law, and Pattern of Consumer Harm I am submitting a formal complaint against Fundo, LLC regarding an alleged Merchant Cash Advance that they claim I owe personally. XXXX has engaged in unlawful and deceptive practices, threatened improper asset XXXX, refused to validate the debt, misrepresented federal law, and demonstrated a pattern of behavior that appears to violate multiple federal consumer protection statutes, including the FTC Act, CFPB UDAAP standards, FDCPA, FCRA, and UCC Article 9.\n\nI formally disputed this alleged debt with Fundo, LLC and requested validation. Instead of complying with UCC Article 9 and federal law, XXXX contacted or claimed to contact multiple third-party payment processors to secure assets, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX. These actions were taken while the debt was in active dispute, without providing any validation. This constitutes improper third-party disclosure, coercion, and deceptive enforcement. \n\nXXXX provided only two documents : a copy of a contract and a copy of a UCC financing statement. They refused to provide any of the documents legally required for validation, including the original signed security agreement, the itemized accounting ledger, proof of default, a complete payment ledger, Article 9-210 accounting, Article 9-611 notices, Article 9-613 notices, or any evidence that a legally enforceable security interest exists. They stated in writing that they are not required to provide anything further. This is incorrect under state and federal law. \n\nXXXX has repeatedly claimed that the FDCPA does not apply because the contract is labeled a business-to-business Merchant Cash Advance. However, courts consistently hold that debt collection statutes apply based on conduct directed at an individual, not how a contract is labeled. Relevant cases include XXXX XXXX XXXX XXXX XXXX Supreme Court ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX v. XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX used my personal legal name, personal identifiers, and personal accounts in their collection efforts. Their attempt to avoid compliance by labeling the obligation business-to-business is a misrepresentation of federal law. \n\nThe misuse of XXXX filings is especially concerning. Consumers from multiple states, including Nevada, have reported that XXXX filed improper liens. XXXX Nevada consumer successfully challenged a similar Fundo XXXX with the Nevada XXXXXXXX XXXX XXXX after the state determined the XXXX had no merit. This indicates a broader pattern of filing XXXX liens without a valid security interest, a practice regulators should review closely. \n\nPublic records also show XXXX XXXX XXXX has accumulated a significant pattern of complaints. In the past XXXX years, XXXX complaints were filed with the Better Business Bureau, with XXXX of those in the last XXXX months alone. The complaints consistently allege failure to validate debts, arbitrary and inflated fees, unauthorized debits, threats of asset XXXX, contact with unrelated accounts, continued ACH debits after revocation, and the filing of improper liens. Several consumers allege XXXX attempted to debit protected federal benefits. Many complaints describe XXXX tactics as harassment, coercion, and deceptive practices. \n\nCFPB complaints also show recurring issues. Complaint IDs XXXX and XXXX ( XXXX ) involve allegations of fraudulent activity, refusal to validate debts, and excessive fees. Consumers report that XXXX responds to CFPB inquiries with generic explanations, which do not address the core issues. Some consumers describe Fundo LLC as scamming people since they opened. Other complaint references indicate cases ending in XXXX and XXXX, where consumers turned to CFPB after XXXX refused validation and added improper fees. \n\nXXXX 's corporate structure also raises concerns. The company is legally XXXX, XXXX, managed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX created in XXXX as a special purpose vehicle. The managing XXXX, XXXX XXXX, was previously named in a federal CFPB lawsuit in XXXX for illegal debt relief practices, resulting in a stipulated judgment. This background is relevant because the same individual now manages XXXX, which is engaging in similar questionable financial practices. \n\nAdditionally, in XX/XX/XXXX, a federal bankruptcy adversary proceeding was filed against Fundo, LLC ( Welch v. Fundo LLC, Adv. No. XXXX ) XXXXn the U.S. Bankruptcy Court for the Middle District of Florida , seeking recovery of money or property from XXXX. This indicates another legal challenge concerning the validity of XXXX financial practices. \n\nXXXX written communications to me contained explicit threats to seize assets if I did not comply with their settlement deadlines. They also stated that their last email would be final, despite the ongoing dispute and their legal obligation to validate the alleged debt. Their refusal to validate, combined with coercive language and misrepresentation of law, is evidence of unlawful collection conduct. \n\nRequested CFPB Action : XXXX Fundo LLC to validate the alleged debt by producing all legally required documentation, including the original signed security agreement, complete accounting ledger, and UCC Article 9 notices.\n\nRequire Fundo LLC to cease all enforcement activity and third-party processor contact until validation is completed. \n\nInvestigate XXXX LLCs widespread pattern of coercive and deceptive practices, including the misuse of XXXX filings, unauthorized debits, inflated fees, and threats of asset XXXX. \n\nRequire Fundo LLC to retract any improper or unvalidated contacts made with processors regarding my accounts. \n\nEvaluate whether XXXX 's practices constitute Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under federal law. \n\nInvestigate whether XXXX corporate affiliates ( FL XXXX XXXX, FUNDO SPV XXXX XXXX ) are being used to shield or transfer obligations related to improper practices. \n\nReview XXXX 's pattern of consumer harm, including the substantial volume of BBB and CFPB complaints alleging similar violations. \n\nTake any enforcement action appropriate to protect consumers. \n\nI request a written explanation of the investigations outcome and confirmation that all collection and enforcement activity by Fundo LLC remains suspended pending review.","date_sent_to_company":"2025-11-23T18:17:04.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"89123","tags":null,"has_narrative":true,"complaint_id":"17836784","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Fundo LLC","date_received":"2025-11-23T18:03:42.000Z","state":"NV","company_public_response":null,"sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["Consumers from multiple <em>states</em>, including Nevada, have reported that XXXX filed improper liens. XXXX Nevada consumer successfully challenged a <em>similar</em> Fundo XXXX with the Nevada XXXXXXXX XXXX XXXX after the state determined the XXXX had no merit. This indicates a broader pattern of filing XXXX liens without a valid <em>security</em> interest, a practice regulators should review closely. \n\nPublic records also show XXXX XXXX XXXX has accumulated a significant pattern of complaints."],"sub_product":["<em>Other</em> debt"]},"sort":[12.052297,"17836784"]},{"_index":"complaint-public-v1","_id":"9986294","_score":11.460403,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This correspondence is in reference to XXXX, XXXX, Experian, XXXX and any and all credit reporting agencies. 15 U.S. Code 1681- Congressional findings and statement of purpose Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. CONSUMER REPORTING AGENCIES ASSUMED THE ROLE!!!!!!!!!! XXXX states that these agencies XXXX, XXXX, Experian and XXXX has assumed the role of credit reporting agencies they are not the BUREAU and they certainly are not CREDIT BUREAUS. XXXX states that there is only XXXX Bureau. The Term Bureau according to the law 15 usc 1692 ( A ) ( 1 ) means the Consumer Financial Protection Bureau. XXXX, XXXX, Experian and XXXX is a direct violation in direct violation of privacy act of 1974 and 5 usc 522a. XXXX, XXXX, Experian and XXXX 15 usc 1681 3 ( E ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with who he is acquainted or who may have knowledge concerning any such item of information such info shall not include specific factual information on consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information is obtained. According to 18 Us Code 8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of XXXX, and canceled United States stamps. My question to you XXXX, XXXX, Experian and XXXX what are you REALLY REPORTING?! XXXX, XXXX, Experian and XXXX you've been violating my rights by providing my information to different creditors. You've violated my right by making me provide you with copies of my Identification and Social Security card to obtain credit reports when you didn't have the right to ask for such information in the first place. I have read over your XXXX, XXXX, prospectus forms and the likes with the Security Exchange you never disclosed that you buy and sell my data to other companies. Experian shares ( EXPN ) are listed on the XXXX XXXX XXXX. Experian has been selling my information on the XXXX XXXX XXXX without my explicit consent. Effectively making me an investor into Experian. You have been enriching your company with my non-public personal information. In Experian prospectus the following can be read on page XXXX Legislation and governmental regulation affect how our business is conducted and, in some cases, subject us to the possibility of government supervision and future lawsuits arising from our products and services. Globally, legislation and governmental regulation also influence our current and prospective customers activities, as well as their expectations and needs in relation to our products and services. Both our core businesses and our newer initiatives are affected globally by federal, regional, provincial, state and other jurisdictional regulations, including those in the following significant regulatory areas : Use of data by creditors and consumer reporting agencies. Examples in the U.S. include the Fair Credit Reporting Act ( FCRA ), as amended by the Fair and Accurate Credit Transactions Act ( FACTA ) ; Laws and regulations that limit the use of credit scoring models such as state mortgage trigger laws, state inquiries laws, state insurance restrictions on the use of credit based insurance scores, and the Consumer Credit Directive in the XXXX XXXX ; Fair lending laws, such as the Truth In Lending Act ( TILA ) and Regulation Z, as amended by the Credit Card Accountability Responsibility and Disclosure Act of 2009 ( Credit CARD Act of 2009 ), and the Equal Credit Opportunity Act ( ECOA ) and Regulation B ; Privacy and security laws and regulations that limit the use and disclosure of personally identifiable information or require security procedures, including but not limited to the provisions of the Financial Services Modernization Act of 1999, also known as the Gramm Leach Bliley Act ( GLBA ) ; the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) as amended by the Health Information Technology for Economic and Clinical Health Act ( HITECH ) ; the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 ( USA Patriot Act ) ; identity theft, file freezing, security breach notification and similar state privacy laws ; Extension of credit to consumers through the Electronic Fund Transfers Act and Regulation E, as well as nongovernmental XXXX  and XXXX electronic payment standards ; Regulations applicable to secondary market participants such as XXXX XXXX  and XXXX XXXX that could have an impact on our products ; Insurance laws and regulations applicable to our insurance clients and their use of our insurance products and services ; The application or extension of consumer protection laws, including, laws governing the use of the Internet and telemarketing, advertising, endorsements and testimonials and credit repair ; Laws and regulations applicable to operations in other countries, for example, the XXXXXXXX XXXX XXXX XXXX and the Foreign Corrupt Practices Act ; Sarbanes-Oxley Act ( SOX ) requirements to maintain and verify internal process controls, including controls for material event awareness and notification, The implementation of the Emergency Economic Stabilization Act of 2008 by federal regulators to manage the financial crisis in the United States ; Financial regulatory reform stemming from the XXXX XXXX XXXX Reform and Consumer Protection Act and the many regulations mandated by that Act, including regulations issued by, and the supervisory authority of, the Bureau of Consumer Financial Protection ( CFPB ) ; and Laws and regulations regarding export controls as they apply to XXXX products delivered in non-U.S. countries. Experian I hereby RESCIND REMOVE TERMINATE AND VOID any and all powers of attorney and authorities known and unknow that I may have granted to you. Whatever power you thought you have you no longer have it. In XXXX XXXX the following can be read We are a global data, analytics and technology company. We provide information solutions for businesses, governments and consumers, and we provide human resources business process automation and outsourcing services for employers. We have a large and diversified group of clients, including financial institutions, corporations, government agencies and individuals. Our services are based on comprehensive databases of consumer and business information derived from numerous sources including credit, financial assets, telecommunications and utility payments, employment, income, educational history, criminal justice data, healthcare professional licensure and sanctions, demographic and marketing data. We use advanced statistical techniques, machine learning and proprietary software tools to analyze available data to create customized insights, decision-making and process automation solutions and processing services for our clients. We are a leading provider of information and solutions used in payroll-related and human resource management business process services in the U.S. as well as e-commerce fraud and charge back protection services in North America . For consumers, we provide products and services to help people understand, manage and protect their personal information and make more informed financial decisions. Additionally, we also provide information, technology and services to support debt collections and recovery management. In particular, legislative activity in the privacy area may result in new laws that are applicable to us and that may hinder our business, for example, by restricting use or sharing of consumer data, including for marketing or advertising or limiting the use of, limiting our ability to provide certain consumer data to our customers, or otherwise regulating artificial intelligence and machine learning, including the use of algorithms and automated processing in ways that could materially affect our business, or which may lead to significant increases in the cost of compliance. XXXX stated in their XXXX In XXXX of XXXX for {$95.00} XXXX in cash we acquired consumer credit files and certain consumer contracts from XXXX Companies In an independent credit reporting agency that has been a system affiliate of ours for more than XXXX  years. The purchase data base includes customers in Ohio, Florida, West Virginia South Dakota, North Dakota and Indiana. In XXXX of XXXX, we acquired XXXX XXXX for {$130.00} XXXX in Cash. XXXX is a direct marketing company with an email database of more than XXXX XXXX permission- based addresses. XXXX provides integrated precision marketing tools for online and offline environment, enabling marketers to identify, target and build consumer relationships through e-mail marketing. XXXXXXXX XXXX products and services include Email lists- XXXX  sells email and provides fulfillment services to over XXXX customers. The email list includes physical addresses, demographics and purchasing power data on consumers who give their consent to receive marking information. Email append : XXXXXXXX XXXX email services combines its email address with a customers database to significantly reduce marketing case while increasing significantly reduce marketing cost while increasing results and tracking capabilities. List services allow markets to identify and market to active online household. The list services includes the XXXX XXXX XXXX. The list services includes the XXXX XXXX XXXX file which we believe to be the largest and most comprehensive recourse for interest households. XXXX, XXXX and XXXX I hereby rescind revoke remove terminate and void any and all powers of attorney and/or authorizations that I may have granted to you known and unknown. Whatever powers of attorney or authority you thought you had you NOT LONGER have it! 18 U.S. Code 1346 - Definition of scheme or artifice to defraud For the purposes of this chapter, the term scheme or artifice to defraud includes a scheme or artifice to deprive another of the intangible right of honest services.18 U.S. Code 1348 - Securities and commodities fraud Whoever knowingly executes, or attempts to execute, a scheme or artifice ( XXXX ) to defraud any person in connection with any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; or ( 2 ) to obtain, by means of false or fraudulent pretenses, representations, or promises, any money or property in connection with the purchase or sale of any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; shall be fined under this title, or imprisoned not more than XXXX  years, or both. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. \n( XXXX ) In accordance with the written instructions of the consumer to whom it relates. Failure to adhere to my written instruction in the resolution window then I may file a form 211 and necessary XXXX forms. I will have a forensic audit ran on these accounts.","date_sent_to_company":"2024-08-29T03:53:21.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"9986294","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-29T03:53:18.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["According to 18 Us Code 8 The term obligation or <em>other</em> <em>security</em> of the United <em>States</em> includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United <em>States</em> notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United <em>States</em>, stamps and <em>other</em> representatives of value, of whatever denomination"],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[11.460403,"9986294"]},{"_index":"complaint-public-v1","_id":"5862795","_score":11.453099,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Complaint # XXXX Did not respond to the ACTUAL complaint. The information between the source and I, didnt provide me what was required by law, so your statement of that has no merit and is none of your business. The response is irrelevant to the complaint. YOU can never skip over the rights of the consumer. I have not asked you to verify anything. I am telling you how YOU have violated the LAW and to DELETE these accounts. You are a THIRD party company with no rights but to furnish data accurately which you failed to do so MULTIPLE TIMES. Did you verify all the previous credit reports with different data that you reported over the years? Now you can VERIFY THAT. You have also VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer report which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. How many violations do you want? \nThis agency is also in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer report. \nSo let me explain AGAIN. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : This makes your social security card, drivers license/ID, and license plate credit cards that are/were used ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. \nThis makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. \nThese are violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. Secondly according to the 15 USC 1681.The law clearly states. 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately. 1. Account Name : XXXX XXXX XXXX Account Number : XXXX 1. Account Name : XXXX 2. Account Number : XXXX The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately. I DID NOT GIVE ANY WRITTEN INSTRUCTIONS TO HAVE ANY OF THESE ACCOUNTS ON MY CONSUMER REPORT. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 15USC 1681 ( a ) ( 4 ) A consumer has the right to Privacy- There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. You Are in Federal Violation on my rights, as a federally protected consumer who have the right to privacy. In addition, I demand to have a copy of my updated consumer report once the following changes have been made.","date_sent_to_company":"2022-08-10T16:43:53.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"752XX","tags":null,"has_narrative":true,"complaint_id":"5862795","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-08-10T16:21:18.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : This makes your social <em>security</em> card, drivers license/ID, and license plate credit cards that are/were used ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or <em>similar</em> device ; The term credit card means any card, plate, coupon book or <em>other</em> credit device"],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"]},"sort":[11.453099,"5862795"]},{"_index":"complaint-public-v1","_id":"9986296","_score":11.442022,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This correspondence is in reference to XXXX, Equifax, XXXX, XXXX and any and all credit reporting agencies. 15 U.S. Code 1681- Congressional findings and statement of purpose Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. CONSUMER REPORTING AGENCIES ASSUMED THE ROLE!!!!!!!!!! XXXX states that these agencies XXXX, Equifax, XXXX and XXXX has assumed the role of credit reporting agencies they are not the BUREAU and they certainly are not CREDIT BUREAUS. XXXX states that there is only XXXX Bureau. The Term Bureau according to the law 15 usc 1692 ( A ) ( 1 ) means the Consumer Financial Protection Bureau. XXXX, Equifax, XXXX and XXXX is a direct violation in direct violation of privacy act of 1974 and 5 usc 522a. XXXX, Equifax, XXXX and XXXX 15 usc 1681 3 ( E ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with who he is acquainted or who may have knowledge concerning any such item of information such info shall not include specific factual information on consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information is obtained. According to 18 Us Code 8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of XXXX, and canceled United States stamps. My question to you XXXX, Equifax, XXXX and XXXX what are you REALLY REPORTING?! XXXX, Equifax, XXXX and XXXX you've been violating my rights by providing my information to different creditors. You've violated my right by making me provide you with copies of my Identification and Social Security card to obtain credit reports when you didn't have the right to ask for such information in the first place. I have read over your XXXX, XXXX, prospectus forms and the likes with the Security Exchange you never disclosed that you buy and sell my data to other companies. XXXX  shares ( XXXX ) are listed on the XXXX XXXX XXXX. XXXX has been selling my information on the XXXX XXXX XXXX without my explicit consent. Effectively making me an investor into XXXX. You have been enriching your company with my non-public personal information. In XXXX  prospectus the following can be read on page XXXX XXXX and governmental regulation affect how our business is conducted and, in some cases, subject us to the possibility of government supervision and future lawsuits arising from our products and services. Globally, legislation and governmental regulation also influence our current and prospective customers activities, as well as their expectations and needs in relation to our products and services. Both our core businesses and our newer initiatives are affected globally by federal, regional, provincial, state and other jurisdictional regulations, including those in the following significant regulatory areas : Use of data by creditors and consumer reporting agencies. Examples in the U.S. include the Fair Credit Reporting Act ( FCRA ), as amended by the Fair and Accurate Credit Transactions Act ( FACTA ) ; Laws and regulations that limit the use of credit scoring models such as state mortgage trigger laws, state inquiries laws, state insurance restrictions on the use of credit based insurance scores, and the Consumer Credit Directive in the XXXX XXXX ; Fair lending laws, such as the Truth In Lending Act ( TILA ) and Regulation Z, as amended by the Credit Card Accountability Responsibility and Disclosure Act of 2009 ( Credit CARD Act of 2009 ), and the Equal Credit Opportunity Act ( ECOA ) and Regulation B ; Privacy and security laws and regulations that limit the use and disclosure of personally identifiable information or require security procedures, including but not limited to the provisions of the Financial Services Modernization Act of 1999, also known as the Gramm Leach Bliley Act ( GLBA ) ; the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) as amended by the Health Information Technology for Economic and Clinical Health Act ( HITECH ) ; the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 ( USA Patriot Act ) ; identity theft, file freezing, security breach notification and similar state privacy laws ; Extension of credit to consumers through the Electronic Fund Transfers Act and Regulation E, as well as nongovernmental XXXX  and XXXX electronic payment standards ; Regulations applicable to secondary market participants such as XXXX XXXX and XXXX XXXX that could have an impact on our products ; Insurance laws and regulations applicable to our insurance clients and their use of our insurance products and services ; The application or extension of consumer protection laws, including, laws governing the use of the Internet and telemarketing, advertising, endorsements and testimonials and credit repair ; Laws and regulations applicable to operations in other countries, for example, the XXXX Unions Privacy Directive and the Foreign Corrupt Practices Act ; Sarbanes-Oxley Act ( SOX ) requirements to maintain and verify internal process controls, including controls for material event awareness and notification, The implementation of the Emergency Economic Stabilization Act of 2008 by federal regulators to manage the financial crisis in the United States ; Financial regulatory reform stemming from the Dodd-Frank Wall Street Reform and Consumer Protection Act and the many regulations mandated by that Act, including regulations issued by, and the supervisory authority of, the Bureau of Consumer Financial Protection ( CFPB ) ; and Laws and regulations regarding export controls as they apply to XXXX products delivered in non-U.S. countries. XXXX I hereby RESCIND REMOVE TERMINATE AND VOID any and all powers of attorney and authorities known and unknow that I may have granted to you. Whatever power you thought you have you no longer have it. In Equifax XXXX the following can be read We are a global data, analytics and technology company. We provide information solutions for businesses, governments and consumers, and we provide human resources business process automation and outsourcing services for employers. We have a large and diversified group of clients, including financial institutions, corporations, government agencies and individuals. Our services are based on comprehensive databases of consumer and business information derived from numerous sources including credit, financial assets, telecommunications and utility payments, employment, income, educational history, criminal justice data, healthcare professional licensure and sanctions, demographic and marketing data. We use advanced statistical techniques, machine learning and proprietary software tools to analyze available data to create customized insights, decision-making and process automation solutions and processing services for our clients. We are a leading provider of information and solutions used in payroll-related and human resource management business process services in the U.S. as well as e-commerce fraud and charge back protection services in North America . For consumers, we provide products and services to help people understand, manage and protect their personal information and make more informed financial decisions. Additionally, we also provide information, technology and services to support debt collections and recovery management. In particular, legislative activity in the privacy area may result in new laws that are applicable to us and that may hinder our business, for example, by restricting use or sharing of consumer data, including for marketing or advertising or limiting the use of, limiting our ability to provide certain consumer data to our customers, or otherwise regulating artificial intelligence and machine learning, including the use of algorithms and automated processing in ways that could materially affect our business, or which may lead to significant increases in the cost of compliance. Equifax stated in their XXXX  In XXXX  of XXXX for {$95.00} XXXX in cash we acquired consumer credit files and certain consumer contracts from XXXX Companies In an independent credit reporting agency that has been a system affiliate of ours for more than XXXX  years. The purchase data base includes customers in Ohio, Florida, West Virginia South Dakota, North Dakota and Indiana. In XXXX of XXXX, we acquired XXXX XXXX for {$130.00} XXXX in Cash. XXXX is a direct marketing company with an email database of more than XXXX XXXX permission- based addresses. XXXX provides integrated precision marketing tools for online and offline environment, enabling marketers to identify, target and build consumer relationships through e-mail marketing. XXXXXXXX XXXX products and services include Email lists- XXXX  sells email and provides fulfillment services to over XXXX customers. The email list includes physical addresses, demographics and purchasing power data on consumers who give their consent to receive marking information. Email append : XXXXXXXX XXXX email services combines its email address with a customers database to significantly reduce marketing case while increasing significantly reduce marketing cost while increasing results and tracking capabilities. List services allow markets to identify and market to active online household. The list services includes the XXXX XXXX XXXX. The list services includes the XXXX XXXX XXXX file which we believe to be the largest and most comprehensive recourse for interest households. Equifax, XXXX and XXXX I hereby rescind revoke remove terminate and void any and all powers of attorney and/or authorizations that I may have granted to you known and unknown. Whatever powers of attorney or authority you thought you had you NOT LONGER have it! 18 U.S. Code 1346 - Definition of scheme or artifice to defraud For the purposes of this chapter, the term scheme or artifice to defraud includes a scheme or artifice to deprive another of the intangible right of honest services.18 U.S. Code 1348 - Securities and commodities fraud Whoever knowingly executes, or attempts to execute, a scheme or artifice ( XXXX ) to defraud any person in connection with any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; or ( 2 ) to obtain, by means of false or fraudulent pretenses, representations, or promises, any money or property in connection with the purchase or sale of any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; shall be fined under this title, or imprisoned not more than XXXX  years, or both. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.\n\n( 2 ) In accordance with the written instructions of the consumer to whom it relates. Failure to adhere to my written instruction in the resolution window then I may file a form 211 and necessary XXXX forms. I will have a forensic audit ran on these accounts.","date_sent_to_company":"2024-08-29T03:53:21.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"9986296","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-29T03:53:18.000Z","state":"CA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["According to 18 Us Code 8 The term obligation or <em>other</em> <em>security</em> of the United <em>States</em> includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United <em>States</em> notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United <em>States</em>, stamps and <em>other</em> representatives of value, of whatever denomination"],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[11.442022,"9986296"]},{"_index":"complaint-public-v1","_id":"6401310","_score":11.390249,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NJ XXXX Re : XXXX XXXX XXXX # XXXX Re : Vehicle Service Contract # XXXX Subj : Rescission of contract To whom this may concern, The point of this letter is to rescind my contract with you. This contract is full of fraud and is missing information that is required for discloser. There are too many violations in this contract. Below will be codes thats you knowingly violated and/or violated out of neglect. Giving me legal grounds to rescind this contract. As I stated I wish to rescind and refund my down payment of {$3000.00}. You can understand the definition to the underlines by clicking them 15 USC 6802/6803 15 USC 1605 15 USC 1635/12 CFR 226.15/12 CFR 1026.15 12 CFR 226.15 12 CFR 226.15 states ( a ) each consumer whose ownership interest is or will be subject to the security interest shall have the right to rescind : each credit extension made under the plan ; the plan when the plan is opened ; a security interest when added or increased to secure an existing plan ; and the increase when a credit limit on the plan is increased.\n\n( ii ) - ( 3 ) The consumer may exercise the right to rescind until midnight of the third business day following the occurrence described in paragraph ( a ) ( 1 ) of this section that gave rise to the right of rescission, delivery of the notice required by paragraph ( b ) of this section, or delivery of all material disclosures, 36 whichever occurs last. If the required notice and material disclosures are not delivered, the right to rescind shall expire 3 years after the occurrence giving rise to the right of rescission, or upon transfer of all of the consumer 's interest in the property, or upon sale of the property, whichever occurs first. In the case of certain administrative proceedings, the rescission period shall be extended in accordance with section 125 ( f ) of the Act.\n\nThe term material disclosures means the information that must be provided to satisfy the requirements in 226.6 with regard to the method of determining the finance charge and the balance upon which a finance charge will be imposed In any transaction or occurrence subject to rescission, a creditor shall deliver two copies of the notice of the right to rescind to each consumer entitled to rescind ( one copy to each if the notice is delivered in electronic form in accordance with the consumer consent and other applicable provisions of the E-Sign Act ). The notice shall identify the transaction or occurrence and clearly and conspicuously disclose the following : ( 1 ) The retention or acquisition of a security interest in the consumer 's principal dwelling.\n\n( 2 ) The consumer 's right to rescind, ( 3 ) How to exercise the right to rescind, with a form for that purpose, designating the address of the creditor 's place of business.\n\n( 4 ) The effects of rescission, ( 5 ) The date the rescission period expires.\n\n15 USC 1635 ( a ) obligors right to rescind 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/We were not provided with any notice of the right to rescind, the date until I have the right to rescind or with the form on how to exercise that right. Nor was I informed verbally that we had the right.\n\n15 USC 1605 ( a ) Finance charge defined The amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.\n\n( 2 ) Service or carrying charge.\n\n( 3 ) Loan fee, finders fee, or similar charge.\n\n( 4 ) Fee for an investigation or credit report.\n\n( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.\n\n( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.\n\n( b ) Life, accident, or health insurance premiums included in finance charge charges or premiums for credit life, accident, or health insurance written in connection with any consumer credit transaction shall be included in the finance charges unless ( 1 ) The coverage of the debtor by the insurance is not a factor in the approval by the creditor of the extension of credit, and this fact is clearly disclosed in writing to the person applying for or obtaining the extension of credit ; and ( 2 ) In order to obtain the insurance in connection with the extension of credit, the person to whom the credit is extended must give specific affirmative written indication of his desire to do so after written disclosure to him of the cost thereof.\n\n( c ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained.\n\nfinance charge Information required by this subchapter shall be disclosed clearly and conspicuously, in accordance with regulations of the Bureau. The terms annual percentage rate and finance charge shall be disclosed more conspicuously than other terms, data, or information provided in connection with a transaction, except information relating to the identity of the creditor.\n\nI/we were not disclosed clearly and conspicuously of our finance charge. When asked, I was told that itemization of amount financed was it. Which is not. Itemization of amount financed is a breakdown after the finance charge. Also, the finance charge is not correct. It states that the finance charge is XXXX when it should be more because as shown above his insurance/gap insurance ( XXXX ) and warranty ( XXXX ) is supposed to be included in finance charge bring it to at least XXXX. \n\n15 USC 6803 Finance institutions have requirements under law on how to disclose consumer nonpublic personal information and format to do so. Those steps were not followed. ( a ) States At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form. On that form it must have ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution. ( 2 ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided. ( 3 ) the categories of nonpublic personal information that are collected by the financial institution. ( 4 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information.\n\nThe model form should be comprehensible to consumers, with a clear format and design ; provide for clear and conspicuous disclosures ; enable consumers easily to identify the sharing practices of a financial institution and to compare privacy practices among financial institutions ; and be succinct, and use an easily readable type font.\n\n15 USC 6802 States a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice.\n\nA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option.\n\nI/We were not given any form that would meet those requirements.\n\nWhen an obligor exercises his right to rescind, he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it.\n\nWhere the creditor fails to provide the consumer with a designated address for sending the notification of rescission, delivery of the notification to the person or address to which the consumer has been directed to send payments constitutes delivery to the creditor or assignee. State law determines whether delivery of the notification to a third party other than the person to whom payments are made is delivery to the creditor or assignee, in the case where the creditor fails to designate an address for sending the notification of rescission.\n\nTo exercise the right to rescind, the consumer shall notify the creditor of the rescission by mail, telegram, or other means of written communication. Notice is considered given when mailed, or when filed for telegraphic transmission, or, if sent by other means, when delivered to the creditors designated place of business. \n\n\n\n\n\nBy XXXX XXXX  XXXX Signature __XXXX XXXX XXXX__ By XXXX XXXX XXXX Signature__XXXX XXXX XXXX_","date_sent_to_company":"2023-01-05T10:15:18.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"07108","tags":null,"has_narrative":true,"complaint_id":"6401310","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2023-01-05T09:08:31.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem while selling or giving up the vehicle"},"highlight":{"complaint_what_happened":["This contract is full of fraud and is missing information that is <em>required</em> for discloser. There are too <em>many</em> violations in this contract. Below will be codes thats you knowingly violated and/or violated out of neglect. Giving me legal grounds to rescind this contract. As I stated I wish to rescind and refund my down payment of {$3000.00}."]},"sort":[11.390249,"6401310"]},{"_index":"complaint-public-v1","_id":"9986203","_score":11.3574095,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This correspondence is in reference to XXXX, XXXX, XXXX, Innovis and any and all credit reporting agencies. 15 U.S. Code 1681- Congressional findings and statement of purpose Accuracy and fairness of credit reporting The XXXX makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. CONSUMER REPORTING AGENCIES ASSUMED THE ROLE!!!!!!!!!! XXXX states that these agencies XXXX, XXXX, XXXX and Innovis has assumed the role of credit reporting agencies they are not the BUREAU and they certainly are not CREDIT BUREAUS. XXXX states that there is only one Bureau. The Term Bureau according to the law 15 usc 1692 ( A ) ( 1 ) means the Consumer Financial Protection Bureau. XXXX, XXXX, XXXX and Innovis is a direct violation in direct violation of privacy act of 1974 and 5 usc 522a. XXXX, XXXX, XXXX and Innovis 15 usc 1681 3 ( E ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with who he is acquainted or who may have knowledge concerning any such item of information such info shall not include specific factual information on consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information is obtained. According to 18 Us Code 8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of XXXX, and canceled United States stamps. My question to you XXXX, XXXX, XXXX and Innovis what are you REALLY REPORTING?! XXXX, XXXX, XXXX and Innovis you've been violating my rights by providing my information to different creditors. You've violated my right by making me provide you with copies of my Identification and Social Security card to obtain credit reports when you didn't have the right to ask for such information in the first place. I have read over your XXXX, XXXX, prospectus forms and the likes with the XXXX XXXX you never disclosed that you buy and sell my data to other companies. XXXX  shares ( XXXX ) are listed on the XXXX XXXX XXXX. XXXX has been selling my information on the XXXX XXXX XXXX without my explicit consent. Effectively making me an investor into XXXX. You have been enriching your company with my non-public personal information. In Experian prospectus the following can be read on page 24 Legislation and governmental regulation affect how our business is conducted and, in some cases, subject us to the possibility of government supervision and future lawsuits arising from our products and services. Globally, legislation and governmental regulation also influence our current and prospective customers activities, as well as their expectations and needs in relation to our products and services. Both our core businesses and our newer initiatives are affected globally by federal, regional, provincial, state and other jurisdictional regulations, including those in the following significant regulatory areas : Use of data by creditors and consumer reporting agencies. Examples in the U.S. include the Fair Credit Reporting Act ( FCRA ), as amended by the Fair and Accurate Credit Transactions Act ( FACTA ) ; Laws and regulations that limit the use of credit scoring models such as state mortgage trigger laws, state inquiries laws, state insurance restrictions on the use of credit based insurance scores, and the Consumer Credit Directive in the European Union ; Fair lending laws, such as the Truth In Lending Act ( TILA ) and Regulation Z, as amended by the Credit Card Accountability Responsibility and Disclosure Act of 2009 ( Credit CARD Act of 2009 ), and the Equal Credit Opportunity Act ( ECOA ) and Regulation B ; Privacy and security laws and regulations that limit the use and disclosure of personally identifiable information or require security procedures, including but not limited to the provisions of the Financial Services Modernization Act of 1999, also known as the Gramm Leach Bliley Act ( GLBA ) ; the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) as amended by the Health Information Technology for Economic and Clinical Health Act ( HITECH ) ; the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 ( USA Patriot Act ) ; identity theft, file freezing, security breach notification and similar state privacy laws ; Extension of credit to consumers through the Electronic Fund Transfers Act and Regulation E, as well as nongovernmental XXXX  and XXXX electronic payment standards ; Regulations applicable to secondary market participants such as XXXX XXXX and XXXX XXXX that could have an impact on our products ; Insurance laws and regulations applicable to our insurance clients and their use of our insurance products and services ; The application or extension of consumer protection laws, including, laws governing the use of the Internet and telemarketing, advertising, endorsements and testimonials and credit repair ; Laws and regulations applicable to operations in other countries, for example, the European Unions Privacy Directive and the Foreign Corrupt Practices Act ; Sarbanes-Oxley Act ( SOX ) requirements to maintain and verify internal process controls, including controls for material event awareness and notification, The implementation of the Emergency Economic Stabilization Act of 2008 by federal regulators to manage the financial crisis in the United States ; Financial regulatory reform stemming from the Dodd-Frank Wall Street Reform and Consumer Protection Act and the many regulations mandated by that Act, including regulations issued by, and the supervisory authority of, the Bureau of Consumer Financial Protection ( CFPB ) ; and Laws and regulations regarding export controls as they apply to XXXX products delivered in non-U.S. countries. XXXX I hereby RESCIND REMOVE TERMINATE AND VOID any and all powers of attorney and authorities known and unknow that I may have granted to you. Whatever power you thought you have you no longer have it. In XXXX XXXX the following can be read We are a global data, analytics and technology company. We provide information solutions for businesses, governments and consumers, and we provide human resources business process automation and outsourcing services for employers. We have a large and diversified group of clients, including financial institutions, corporations, government agencies and individuals. Our services are based on comprehensive databases of consumer and business information derived from numerous sources including credit, financial assets, telecommunications and utility payments, employment, income, educational history, criminal justice data, healthcare professional licensure and sanctions, demographic and marketing data. We use advanced statistical techniques, machine learning and proprietary software tools to analyze available data to create customized insights, decision-making and process automation solutions and processing services for our clients. We are a leading provider of information and solutions used in payroll-related and human resource management business process services in the U.S. as well as e-commerce fraud and charge back protection services in North America . For consumers, we provide products and services to help people understand, manage and protect their personal information and make more informed financial decisions. Additionally, we also provide information, technology and services to support debt collections and recovery management. In particular, legislative activity in the privacy area may result in new laws that are applicable to us and that may hinder our business, for example, by restricting use or sharing of consumer data, including for marketing or advertising or limiting the use of, limiting our ability to provide certain consumer data to our customers, or otherwise regulating artificial intelligence and machine learning, including the use of algorithms and automated processing in ways that could materially affect our business, or which may lead to significant increases in the cost of compliance. XXXX stated in their XXXX In XXXX of XXXX for {$95.00} XXXX in cash we acquired consumer credit files and certain consumer contracts from CBC Companies In an independent credit reporting agency that has been a system affiliate of ours for more than 14  years. The purchase data base includes customers in Ohio, Florida, West Virginia South Dakota, North Dakota and Indiana. In XXXX of XXXX, we acquired XXXX XXXX for {$130.00} XXXX in Cash. XXXX is a direct marketing company with an email database of more than XXXX XXXX permission- based addresses. XXXX provides integrated precision marketing tools for online and offline environment, enabling marketers to identify, target and build consumer relationships through e-mail marketing. XXXXXXXX XXXX products and services include Email lists- XXXX  sells email and provides fulfillment services to over XXXX customers. The email list includes physical addresses, demographics and purchasing power data on consumers who give their consent to receive marking information. Email append : XXXXXXXX XXXX email services combines its email address with a customers database to significantly reduce marketing case while increasing significantly reduce marketing cost while increasing results and tracking capabilities. List services allow markets to identify and market to active online household. The list services includes the XXXX XXXX XXXX. The list services includes the XXXX XXXX XXXX file which we believe to be the largest and most comprehensive recourse for interest households. XXXX, XXXX and Innovis I hereby rescind revoke remove terminate and void any and all powers of attorney and/or authorizations that I may have granted to you known and unknown. Whatever powers of attorney or authority you thought you had you NOT LONGER have it! 18 U.S. Code 1346 - Definition of scheme or artifice to defraud For the purposes of this chapter, the term scheme or artifice to defraud includes a scheme or artifice to deprive another of the intangible right of honest services.18 U.S. Code 1348 - Securities and commodities fraud Whoever knowingly executes, or attempts to execute, a scheme or artifice ( 1 ) to defraud any person in connection with any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; or ( 2 ) to obtain, by means of false or fraudulent pretenses, representations, or promises, any money or property in connection with the purchase or sale of any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; shall be fined under this title, or imprisoned not more than 25 years, or both. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Failure to adhere to my written instruction in the resolution window then I may file a form 211 and necessary XXXX forms. I will have a forensic audit ran on these accounts.","date_sent_to_company":"2024-08-29T03:59:24.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"9986203","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CBC Companies, Inc.","date_received":"2024-08-29T03:55:01.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["According to 18 Us Code 8 The term obligation or <em>other</em> <em>security</em> of the United <em>States</em> includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United <em>States</em> notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United <em>States</em>, stamps and <em>other</em> representatives of value, of whatever denomination"],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[11.3574095,"9986203"]},{"_index":"complaint-public-v1","_id":"5191024","_score":11.3079405,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello, Experian has on numerous occasions reported inaccuracies on my credit profile. I am allowed a fair credit profile under FCRA Regulations. Credit reporting agencies must validate the information or delete it due to the reporting of inaccuracies. My credit profile impacts my credit worthiness which is part of my overall judgement as a U.S citizen. Due to the negative reports places on my profile I have not been able to get approved for certain loan products, jobs and housing. For over two years I have been getting negative information reported from this particular bureaus .Not complying with the FCRA can subject your company to statutory damages of {$1000.00} per violation. My information is intact unverifiable if after each investigation there is a different update of information. XXXX XXXX XXXX XXXX XXXX has failed on numerous occasions to provide accurate information to Experian. Section 609 states that if information can not be verified it must be removed. Experian continues to report in accurate information From XXXX through XXXX Experian has reported XXXX late payments coming from XXXX XXXX XXXX XXXX and XXXX XX/XX/XXXX. Now XXXX they report only XXXX late payment for XX/XX/XXXX. I asked them repeatedly to provide me how are they verifying this information they refuse to provide me with the evidence of verification. XXXX and XXXX are not reporting any account from XXXX XXXX yet reporting agencies get their information from the same place. On my XXXX services report many of the information is incorrect. Experian has failed on numerous occasion to even find a proper charge off date. Some of my dispute results states the charge off stopped in XX/XX/XXXX and others says XX/XX/XXXX. How is this company whom I gave no permission to report information is reporting inaccurate information. I have pointed out to them and previous disputes that the date the account open and the late payments are inaccurate even on their previous investigation they still found a way to verify information and can't prove to me how they verified this information. Experian continues to report that I have XXXX potentially late payments. Potential late payments is not an accurate answer nor a certain one. They have no info on a last payment meaning they can not verify what date the charge off was to finish reporting. How can someone accurately showcase information if they don't know or cant verify the month that the charge off was lifted? On Experian it says on the XX/XX/XXXX30 days of late payment then XX/XX/XXXX it says 120 days of late payments. How is that possible if 120 days have not passed by and no reporting of a 90-day period of late payment. Also, XX/XX/XXXX nothing is reporting for days late it says unknown. Since when Accurate information did be accounted for and credible as Unknown VIOLATIONS The description as to why the accounts are to be removed/deleted follows below. Your organization is in violation of my privacy rights and consumer reporting laws. \nI did not give you consent to report any information on my consumer report. ( Pursuant to 15 USC 1681b-Permissible purposes of consumer reports ) You have yet provide me with physical verification documentation from your office. According to FCRA and consumer law, you must provide with the information I request. \n( 15 US Code 1681g ( a ) ( 1 ) ( A ) & ( B ) ( 2 ) ( a ) Information on file ; sources ; report recipients Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. \n( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually used for no other purpose need not be disclosed : Provided, that in the event an action is brought under this subchapter, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. \n\n\n15 USC 1681 ( a ) States that I have rights to accuracy and fairness of credit reporting.\n\n15 USC 1681 ( a ) ( 1 ) states that the banking system is dependent on fair reporting and inaccuracies can impair efficiency of banking systems. I have lost job opportunities, housing and many more due to the unfair reporting and refusal of a fair credit profile 15 USC 1681 ( a ) ( 2 ) Supports my defamation of character claims. My credit report is a representation of me, and I have been dehumanized due to negative inaccurate items reporting on my report. Credit worthiness, reputation and more was not credible due to false reporting placed on my report. \n\n15 USC 1681 ( a ) ( 3 ) states that Reporting agencies have assumed a vital role in assembling consumer credit meaning theyre not entitled to my information and are non-government company. I am the original creditor and I owe no debt to anyone nor have I ever and I am being reporting for a balance paid less than amount. I never owed anyone any debt nor have I had a late payment. \n\n15 USC 1681 ( a ) ( 4 ) States that there is a need of insuring that takes place on the credit bureaus part in regard to my privacy. I did not give the credit bureaus permission to report inaccurate information on my credit profile. My privacy is at risk because information is being given without consent of the consumer which is me. \n15 USC 1692K ( a ) Proves that every damage much be paid for by the debt collector as a result of such failure. Due to lack of resources financially I was targeted through a pandemic. I notified XXXX XXXX that I was in therapy due to lack of concern and I expressed that their actions along with the credit bureaus has caused me to go into XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\n15 USC 1681B states that furnishing a consumer report without the consent of consumer is unlawful. The reporting agencies have no consent in regard to my report and have been publicly humiliating me in attempts to collect what is rightfully mine because I am the original creditor. \n\n15 USC 168 ( A ) ( 2 ) ( B ) Indicates that furnishing an account that was created from a credit card or similar device is also unlawful. XXXX XXXX has been a huge burden on my credit for 3 years now and failed to provide on numerous occasions what is happening and report accurate information to the credit bureaus. Data reported differently every dispute and information was not deleted though proven to be inaccurate 15 USC 1692J A deceptive form to make me believe I owe debt was establish and I am protected by the law stated. Reporting that Balance was payed for lesser amount 15 USC 1602 ( K ) Presents that a drafting of contract or similar instrument in which the consumer can not adequately understand is illegal. I am not able to understand what took place as I was unaware of credit and its true meaning and nobody ensured that I was able to read what was presented. I am a first generation American. \n\n15 USC 1692B ( 2 ) It was stated on a recorded line and through paperwork that I owe a debt. The law states that it is a violation to state a consumer owes a debt if they do not owe a debt. \n\n15 USC 1692D ( 5 ) states that I am not to be contacted in regard to a debt in an annoying manner through telephone. I have been contacted many times through my work phone in regard to a debt after I was not told this is an attempt to collect a debt. \n\nExperian has caused great amounts of pain to me and does not report accurate information if you carefully examined the information sent they have failed to provide accurate information even after information has been disputed several times. Each time something new is updated. Experian went from two late payments on XXXX XXXX  to one late payment on XXXX XXXX. They have been \" verifying '' this information for years but all of a sudden the late payments turn into just one late payment. Experian also fails on numerous occasion to know when the charge off was lifted from XXXX XXXX because they don't know the date of last payment to an account that is already not reporting accurate information. They have continued to change information after each dispute. If the information was correct the first time it wouldn't need to be updated. XXXX XXXX and XXXX XXXX must be removed from my credit profile immediately.","date_sent_to_company":"2022-02-06T18:35:23.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30066","tags":null,"has_narrative":true,"complaint_id":"5191024","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-02-06T17:13:17.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["On my XXXX services report <em>many</em> of the information is incorrect. Experian has failed on numerous occasion to even find a proper charge off date. Some of my dispute results <em>states</em> the charge off stopped in XX/XX/XXXX and <em>others</em> says XX/XX/XXXX. How is this company whom I gave no permission to report information is reporting inaccurate information."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"]},"sort":[11.3079405,"5191024"]},{"_index":"complaint-public-v1","_id":"8522708","_score":11.21901,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a federally protected consumer and am now exercising my right to opt out and hereby revoke any consent verbal, non verbal, or written given XXXX, TRANSUNION, and XXXX of reporting credit information for the accounts of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. My right for this revocation and opt out is based pursuant to 15 U.S. Code 6801- 6805 ( Gramm-Leach-Bliley Act ) which clearly states \" Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' and 16 CFR 313.7 which states \" Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right ''. I have not received any such privacy notice telling me I have the right to opt out from any of these agencies or financial institutions. I have also never been given nor been presented with a form to give written consent or permission to XXXX, TRANSUNION, and XXXX permission to report/or furnish any of these accounts pursuant to the fair credit reporting act 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. \n\nIn XXXX 's prospectus that they have on file they clearly state that they are under the authority and must abide by these laws XXXX operations in the US are subject to several US federal statutes and regulations that govern the collection, protection and use of consumer data. These laws and regulations include : ( i ) the US Fair Credit Reporting Act ( the FCRA ) ; ( ii ) the US Gramm-Leach-Bliley Act ( the GLB ) ; ( iii ) the US Health Insurance Portability and Accountability Act of 1996 ( the HIPAA ) ; ( iv ) the Drivers Privacy Protection Act ( the DPPA ) and ; ( v ) the Controlling the Assault of Non-Solicited XXXX and Marketing Act ( the CAN-SPAM Act ). \n\nThe protection and security of consumer credit information is governed largely by the Financial Modernization Act of 1999, also known as the Gramm-Leach-Bliley Act or GLB. The US Federal Trade Commission is charged with enforcement of the GLB. The GLB includes provisions designed to protect consumers personal financial information that is held by financial institutions ( as defined in the statute ), including XXXX. The principal parts of the GLB relating to privacy requirements imposed on financial institutions such as XXXX are the Financial Privacy Rule and the Safeguards Rule. \n\nThe GLB Financial Privacy Rule requires financial institutions to give to their customers privacy notices that explain the financial institutions information collection and sharing practices, and XXXX customers the right to opt out of having their information shared with certain third parties. The Financial Privacy Rule also prohibits financial institutions from disclosing their customers account numbers to non-affiliated companies in connection with telemarketing, direct mail marketing or other marketing through email, even if an individual has not opted out of sharing the information for marketing purposes. \n\nThe XXXX Safeguards XXXX seeks to ensure that financial institutions adopt procedures to protect physically and technologically consumer credit data. For example, financial institutions are required to provide information security training to employees, to implement procedures for detecting and managing information system failures and to provide for secured storage and disposal of confidential consumer information. Similarly, under XXXX, XXXX must maintain reasonable administrative, technical and physical safeguards to prevent intentional and unintentional use or disclosure of protected health information In XXXX prospectus they have filed with the securities exchange they clearly state to be under 15 U.S. Code 6801- 6805 ( Gramm-Leach-Bliley Act ) and the fair credit reporting act. \nOur business involves collection of consumer and business data and distribution of such information to businesses making credit and marketing decisions. Consequently, certain of our activities and services are subject to regulation under various federal laws, including the Fair Credit Reporting Act and the XXXX XXXX, as well as similar state laws. \n\nIn Transunion XXXX form they have filed with the securities exchange they say XXXX XXXX and Privacy Protection Our XXXX operations are subject to numerous laws and regulations governing privacy, data security, consumer protection and the use of consumer credit information. Certain of these laws provide for civil and criminal penalties for the unauthorized release of, or access to, this protected information. The laws and regulations that affect our XXXX business include, but are not limited to, the following : Fair Credit Reporting Act ( FCRA ) : FCRA applies to consumer credit reporting agencies, including us, as well as data furnishers and users of consumer reports. FCRA promotes the accuracy, fairness and privacy of information in the files of consumer reporting agencies that engage in the practice of assembling or evaluating information relating to consumers for certain specified purposes. FCRA limits what information XXXX be reported by consumer reporting agencies, limits the distribution and use of consumer reports, establishes consumer rights to access and dispute their own credit files, includes provisions designed to prevent identity theft and assist fraud victims, requires consumer reporting agencies to make a free annual credit report available to consumers and imposes many other requirements on consumer reporting agencies, data furnishers and users of consumer report information. Violation of FCRA can result in civil and criminal penalties. Regulatory enforcement of FCRA is under the purview of the Federal Trade Commission ( the FTC ), the Consumer Financial Protection Bureau ( the CFPB ) and state attorneys general, acting alone or in concert with XXXX another. \nXXXX XXXX XXXX ( the GLBA ) : The GLBA regulates XXXX among other things, the receipt, use and disclosure of non-public personal information of consumers held by financial institutions, including us. Several of our datasets are subject to GLBA provisions, including limitations on the use or disclosure of the underlying data and rules relating to the technological, physical and administrative safeguarding of non-public personal information. Violation of the GLBA can result in civil and criminal liability.","date_sent_to_company":"2024-03-15T18:09:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"342XX","tags":null,"has_narrative":true,"complaint_id":"8522708","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-03-11T21:34:55.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["FCRA limits what information XXXX be reported by consumer reporting agencies, limits the distribution and use of consumer reports, establishes consumer rights to access and dispute their own credit files, includes provisions designed to prevent identity theft and assist fraud victims, <em>requires</em> consumer reporting agencies to make a free annual credit report available to consumers and imposes <em>many</em> <em>other</em> requirements on consumer reporting agencies, data furnishers and users of consumer report information"],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[11.21901,"8522708"]},{"_index":"complaint-public-v1","_id":"8522607","_score":11.21901,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a federally protected consumer and am now exercising my right to opt out and hereby revoke any consent verbal, non verbal, or written given EXPERIAN, XXXX, and XXXX of reporting credit information for the accounts of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. My right for this revocation and opt out is based pursuant to 15 U.S. Code 6801- 6805 ( Gramm-Leach-Bliley Act ) which clearly states \" Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' and 16 CFR 313.7 which states \" Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right ''. I have not received any such privacy notice telling me I have the right to opt out from any of these agencies or financial institutions. I have also never been given nor been presented with a form to give written consent or permission to EXPERIAN, XXXX, and XXXX permission to report/or furnish any of these accounts pursuant to the fair credit reporting act 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\nIn Experian 's prospectus that they have on file they clearly state that they are under the authority and must abide by these laws XXXX operations in the US are subject to several US federal statutes and regulations that govern the collection, protection and use of consumer data. These laws and regulations include : ( i ) the US Fair Credit Reporting Act ( the FCRA ) ; ( ii ) the US Gramm-Leach-Bliley Act ( the GLB ) ; ( iii ) the US Health Insurance Portability and Accountability Act of 1996 ( the HIPAA ) ; ( iv ) the Drivers Privacy Protection Act ( the DPPA ) and ; ( v ) the Controlling the Assault of Non-Solicited XXXX and Marketing Act ( the CAN-SPAM Act ). \n\nThe protection and security of consumer credit information is governed largely by the Financial Modernization Act of 1999, also known as the Gramm-Leach-Bliley Act or GLB. The US Federal Trade Commission is charged with enforcement of the GLB. The GLB includes provisions designed to protect consumers personal financial information that is held by financial institutions ( as defined in the statute ), including Experian. The principal parts of the GLB relating to privacy requirements imposed on financial institutions such as Experian are the Financial Privacy Rule and the Safeguards Rule. \n\nThe GLB Financial Privacy Rule requires financial institutions to give to their customers privacy notices that explain the financial institutions information collection and sharing practices, and grant customers the right to opt out of having their information shared with certain third parties. The Financial Privacy Rule also prohibits financial institutions from disclosing their customers account numbers to non-affiliated companies in connection with telemarketing, direct mail marketing or other marketing through email, even if an individual has not opted out of sharing the information for marketing purposes. \n\nThe XXXX XXXX  XXXX seeks to ensure that financial institutions adopt procedures to protect physically and technologically consumer credit data. For example, financial institutions are required to provide information security training to employees, to implement procedures for detecting and managing information system failures and to provide for secured storage and disposal of confidential consumer information. Similarly, under XXXX, Experian must maintain reasonable administrative, technical and physical safeguards to prevent intentional and unintentional use or disclosure of protected health information In XXXX prospectus they have filed with the securities exchange they clearly state to be under 15 U.S. Code 6801- 6805 ( Gramm-Leach-Bliley Act ) and the fair credit reporting act. \nOur business involves collection of consumer and business data and distribution of such information to businesses making credit and marketing decisions. Consequently, certain of our activities and services are subject to regulation under various federal laws, including the Fair Credit Reporting Act and the Gramm-Leach-Bliley Act, as well as similar state laws. \n\nIn XXXX XXXX form they have filed with the securities exchange they say U.S. Data and Privacy Protection Our U.S. operations are subject to numerous laws and regulations governing privacy, data security, consumer protection and the use of consumer credit information. Certain of these laws provide for civil and criminal penalties for the unauthorized release of, or access to, this protected information. The laws and regulations that affect our U.S. business include, but are not limited to, the following : Fair Credit Reporting Act ( FCRA ) : FCRA applies to consumer credit reporting agencies, including us, as well as data furnishers and users of consumer reports. FCRA promotes the accuracy, fairness and privacy of information in the files of consumer reporting agencies that engage in the practice of assembling or evaluating information relating to consumers for certain specified purposes. FCRA limits what information may be reported by consumer reporting agencies, limits the distribution and use of consumer reports, establishes consumer rights to access and dispute their own credit files, includes provisions designed to prevent identity theft and assist fraud victims, requires consumer reporting agencies to make a free annual credit report available to consumers and imposes many other requirements on consumer reporting agencies, data furnishers and users of consumer report information. Violation of FCRA can result in civil and criminal penalties. Regulatory enforcement of FCRA is under the purview of the Federal Trade Commission ( the FTC ), the Consumer Financial Protection Bureau ( the CFPB ) and state attorneys general, acting alone or in concert with one another.\n\nGramm-Leach Bliley Act ( the GLBA ) : The GLBA regulates XXXX among other things, the receipt, use and disclosure of non-public personal information of consumers held by financial institutions, including us. Several of our datasets are subject to GLBA provisions, including limitations on the use or disclosure of the underlying data and rules relating to the technological, physical and administrative safeguarding of non-public personal information. Violation of the GLBA can result in civil and criminal liability.","date_sent_to_company":"2024-03-11T22:26:34.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"342XX","tags":null,"has_narrative":true,"complaint_id":"8522607","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-03-11T22:26:32.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["FCRA limits what information may be reported by consumer reporting agencies, limits the distribution and use of consumer reports, establishes consumer rights to access and dispute their own credit files, includes provisions designed to prevent identity theft and assist fraud victims, <em>requires</em> consumer reporting agencies to make a free annual credit report available to consumers and imposes <em>many</em> <em>other</em> requirements on consumer reporting agencies, data furnishers and users of consumer report information"],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[11.21901,"8522607"]},{"_index":"complaint-public-v1","_id":"8518674","_score":11.194928,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a federally protected consumer and am now exercising my right to opt out and hereby revoke any consent verbal, non verbal, or written given XXXX, XXXX, and Equifax of reporting credit information for the accounts of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. My right for this revocation and opt out is based pursuant to 15 U.S. Code 6801- 6805 ( Gramm-Leach-Bliley Act ) which clearly states \" Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' and 16 CFR 313.7 which states \" Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right ''. I have not received any such privacy notice telling me I have the right to opt out from any of these agencies or financial institutions. I have also never been given nor been presented with a form to give written consent or permission to XXXX, XXXX, and Equifax permission to report/or furnish any of these accounts pursuant to the fair credit reporting act 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. \n\nIn XXXX 's prospectus that they have on file they clearly state that they are under the authority and must abide by these laws XXXX operations in the US are subject to several US federal statutes and regulations that govern the collection, protection and use of consumer data. These laws and regulations include : ( i ) the US Fair Credit Reporting Act ( the FCRA ) ; ( ii ) the US Gramm-Leach-Bliley Act ( the GLB ) ; ( iii ) the US Health Insurance Portability and Accountability Act of 1996 ( the HIPAA ) ; ( iv ) the Drivers Privacy Protection Act ( the DPPA ) and ; ( v ) the Controlling the Assault of Non-Solicited XXXX and Marketing Act ( the CAN-SPAM Act ). \n\nThe protection and security of consumer credit information is governed largely by the Financial Modernization Act of 1999, also known as the Gramm-Leach-Bliley Act or GLB. The US Federal Trade Commission is charged with enforcement of the GLB. The GLB includes provisions designed to protect consumers personal financial information that is held by financial institutions ( as defined in the statute ), including XXXX. The principal parts of the GLB relating to privacy requirements imposed on financial institutions such as XXXX are the Financial Privacy Rule and the Safeguards Rule. \n\nThe GLB Financial Privacy Rule requires financial institutions to give to their customers privacy notices that explain the financial institutions information collection and sharing practices, and XXXX customers the right to opt out of having their information shared with certain third parties. The Financial Privacy Rule also prohibits financial institutions from disclosing their customers account numbers to non-affiliated companies in connection with telemarketing, direct mail marketing or other marketing through email, even if an individual has not opted out of sharing the information for marketing purposes. \n\nThe XXXX Safeguards XXXX seeks to ensure that financial institutions adopt procedures to protect physically and technologically consumer credit data. For example, financial institutions are required to provide information security training to employees, to implement procedures for detecting and managing information system failures and to provide for secured storage and disposal of confidential consumer information. Similarly, under HIPAA, XXXX must maintain reasonable administrative, technical and physical safeguards to prevent intentional and unintentional use or disclosure of protected health information In Equifax prospectus they have filed with the securities exchange they clearly state to be under 15 U.S. Code 6801- 6805 ( Gramm-Leach-Bliley Act ) and the fair credit reporting act.\n\nOur business involves collection of consumer and business data and distribution of such information to businesses making credit and marketing decisions. Consequently, certain of our activities and services are subject to regulation under various federal laws, including the Fair Credit Reporting Act and the Gramm-Leach-Bliley Act, as well as similar state laws. \n\nIn XXXX XXXX form they have filed with the securities exchange they say U.S. Data and Privacy Protection Our U.S. operations are subject to numerous laws and regulations governing privacy, data security, consumer protection and the use of consumer credit information. Certain of these laws provide for civil and criminal penalties for the unauthorized release of, or access to, this protected information. The laws and regulations that affect our U.S. business include, but are not limited to, the following : Fair Credit Reporting Act ( FCRA ) : FCRA applies to consumer credit reporting agencies, including us, as well as data furnishers and users of consumer reports. FCRA promotes the accuracy, fairness and privacy of information in the files of consumer reporting agencies that engage in the practice of assembling or evaluating information relating to consumers for certain specified purposes. FCRA limits what information may be reported by consumer reporting agencies, limits the distribution and use of consumer reports, establishes consumer rights to access and dispute their own credit files, includes provisions designed to prevent identity theft and assist fraud victims, requires consumer reporting agencies to make a free annual credit report available to consumers and imposes many other requirements on consumer reporting agencies, data furnishers and users of consumer report information. Violation of FCRA can result in civil and criminal penalties. Regulatory enforcement of FCRA is under the purview of the Federal Trade Commission ( the FTC ), the Consumer Financial Protection Bureau ( the CFPB ) and state attorneys general, acting alone or in concert with XXXXne another.\n\nGramm-Leach Bliley Act ( the GLBA ) : The GLBA regulates , among other things, the receipt, use and disclosure of non-public personal information of consumers held by financial institutions, including us. Several of our datasets are subject to GLBA provisions, including limitations on the use or disclosure of the underlying data and rules relating to the technological, physical and administrative safeguarding of non-public personal information. Violation of the GLBA can result in civil and criminal liability.","date_sent_to_company":"2024-03-11T22:26:34.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"342XX","tags":null,"has_narrative":true,"complaint_id":"8518674","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-03-11T22:26:32.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["FCRA limits what information may be reported by consumer reporting agencies, limits the distribution and use of consumer reports, establishes consumer rights to access and dispute their own credit files, includes provisions designed to prevent identity theft and assist fraud victims, <em>requires</em> consumer reporting agencies to make a free annual credit report available to consumers and imposes <em>many</em> <em>other</em> requirements on consumer reporting agencies, data furnishers and users of consumer report information"],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[11.194928,"8518674"]},{"_index":"complaint-public-v1","_id":"6791118","_score":10.304775,"_source":{"product":"Mortgage","complaint_what_happened":"To Whom this may concern, It is not now, nor ever that I am refusing to pay a lawful obligation. \nOn XX/XX/XXXX, I made an uninformed use of credit decision ( 15 USC 1601 a ) on a consumer credit transaction for XXXX, XXXX dollars with Quicken Loans now know as Rocket Mortgage. The alleged lender advertised that they would lend me their money to me. They never told me once about this being a consumer credit transaction ( 15 USC 1602 bb,1, A ). I was uniformed that I was the consumer and the original creditor when I was approved on the application for an extension of my credit ( 15 USC 1601, a / 15 USC 1602 bb,1, A, g ). I gave them my social security number ( Credit Card 15 USC 1602 i ). They used my credit card with no benefit to me 15 USC 1602 p unauthorized use. I was uniformed that credit means the right granted ( 15 USC 1602 g ). I was uniformed that loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required ( 15 USC 1602 g ). I was uniformed the person to whom the debt arising from the consumer credit transaction ( was me ) is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement ( 15 USC 1602 g ). I was uninformed that debt was an option. \nSince XXXX of XXXX I have disputed the debt in full and asked for original creditor information ( 12 CFR 1006.38, 1006.34, 15 USC 1692g ), trying to get these criminals to validate and verify the alleged debt with bona fide evidence of indebtedness over a dozen times including but not limited to XXXX, XXXX XXXX, XXXX, XXXX, and XX/XX/XXXX ( 15 USC 1692g, 12 CFR 1006.34 ). They have failed to send a single piece of paper to me that is signed let along validated, verified and they have continued abusive, discriminating, harassing, oppressive and threatening foreclosure with unfair debt collection practices ( 12 CFR 1006.14, 1006.18, 15 USC 1692 d, e, f ). Including reporting false misleading information to the credit reporting agencies without my written permission and with out any information or opt out being sent to me 15 USC 1681 b, a, 2. Without any respect for my privacy 15 USC 1681 4. Without a ( i ) clear and conspicuous disclosure, ( ii ) without the consumer has authorized in writing 15 USC 1681b, 2, i, ii.\n\nThe only piece of paper received that is signed is the stamp on the deceptive note that says Without Recourse Pay to the order of Quicken Loans, signed XXXX XXXX Capture Manager. This is evidence that the deceptive note was changed without my knowledge from a promise to pay to an order to pay, Draft or Check and they were paid at closing table in full. ( Ucc 3-104 ). 12 USC 1813 L clearly says that notes, certificates of indebtedness are money or its equivalent and is a deposit. UCC 9-102 ( 65 ) \" Promissory note '' means an instrument that evidences a promise to pay a monetary obligation, does not evidence an order to pay, and does not contain an acknowledgment by a bank that the bank has received for deposit a sum of money or funds. UCC 8-102, 9, Clearly says the the note and mortgage are a financial asset. UCC 8-102,1, clearly says I have the right to an adverse claim. The note can not be a promissory note, it must be a security! \nThis is further evidenced by the deceptive Mortgage document, the alleged borrowers covenant clearly says the borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the property and that the Property is unencumbered, except encumbrances of records. After I allegedly signed the note and clearly says I was the mortgagor, grantor on this document, How deceptive! 15 USC 78c 10 clearly says the note is a security with a maturity of over 9 months. 31 USC 5312 clearly says I am a financial institution persons involved in real estate closings and settlements, an issuer, redeemer, or cashier of checks, money orders or similar instruments. NONE of these documents contain any of the words, terms and conditions in the truth and lending act 15 USC 1611, 12 CFR 1006.22.\n\nThey claim to have lent me their money or credit. Yet they refuse to produce proof besides the alleged agreement, so called promissory note. How hard could this be? I could validate loans I have made in 5 minutes. I have not been able to find any evidence that they can lend me their credit, I have attached evidence, case law that they can not lend me their credit. I can only find evidence that they do not lend their deposits. \nPrinciples of Money, Banking, and Financial Markets and Professor XXXX XXXX XXXX the Doctoral Program at the XXXX XXXX XXXX XXXX XXXX at New York University and a former Senior Staff member on the Presidents Council of Economic Advisors, and also served on the Board of Governors of the Federal Reserve System. The following paragraph is taken from their book, When a bank lends, the borrower does not ordinarily take the proceeds in hundred dollar bills ; he takes a brand new checking account. On the banks balance sheet, loans ( an asset ) and demand deposit deposits ( a liability both rises. A bank creates a demand deposit when it lends. In effect, since demand deposits are money, banks create money. \nPROFESSOR XXXX XXXX XXXX from the Federal Reserve Bank of New York. XXXX XXXX a author employed by the XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX explains a little farther than did XXXX and XXXX. XXXX states, when a bank makes a loan the bank receives a Promissory Note for an equal amount of the Loan from the borrower and deposits the Promissory Note into a banks asset account as a debit and to comply with the General Accepted Accounting Procedures established by the Federal Reserve where Assets must always equal to liabilities plus owner equity. \nThe 88th united states congress, primer on money addressed the issue of lending XXXX XXXX dollars to a neighbor and you had a beginning balance of {$1000.00}. Which when the deduction occurs the ending balance is only XXXX XXXX dollars. But unfortunately the Bank when making a XXXX XXXX loan the banks assets and liabilities are not decreased but increased. The banks assets of {$1000.00}. Now becomes {$1500.00}. After making the loan and the demand deposits balance now becomes {$1500.00}. The formula established by the Federal Reserve is Assets=Demand Deposits plus owners equity this account is in perfect balance. \nXXXX XXXX and XXXX XXXX in their Economics book entitled XXXX XXXX XXXX XXXX XXXX out of 18 editions and first used in colleges and University in XXXX and was still being used in XXXX. On page XXXX, XXXX states, Most people suppose that a bank lends the deposits of its customer, In fact, however, no bank ever lends its deposits. The logical question should be then what do banks lend. \nGENERALLY ACCEPTED ACCOUNTING PRINCIPLES Banks are required to adhere to Generally Accepted Accounting Principles ( GAAP ). GAAP follows an accounting convention that lies at the heart of the double-entry bookkeeping system called the Matching Principle. This principle works as follows : When a bank accepts bullion, coin, currency, checks, drafts, promissory notes, or any other similar instruments ( hereinafter instruments ) from customers and deposits or records the instruments as assets, it must record offsetting liabilities that match the assets that it accepted from customers. The liabilities represent the amounts that the bank owes the customers, funds accepted from customers. In a fractional reserve banking system like the United States banking system, most of the funds advanced to borrowers ( assets of the banks ) are created by the banks themselves and are not merely transferred from one set of depositors to another set of borrowers. \nThe publication, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Federal Reserve Bank of Chicago ( rev. ed. XX/XX/XXXX ), contains standard bookkeeping entries demonstrating that money ordinarily is recorded as a bank asset, while a bank liability is evidence of money that a bank owes. The bookkeeping entries tend to prove that banks accept cash, checks, drafts, and promissory notes/credit agreements ( assets ) as money deposited to create credit or checkbook money that are bank liabilities, which shows that, absent any right of setoff, banks owe money to persons who deposit money.. Cash ( money of exchange ) is money, and credit or promissory notes ( money of account ) become money when banks deposit promissory notes with the intent of treating them like deposits of cash. See, 12 U.S.C. Section 1813 ( l ) ( 1 ) ( definition of deposit under Federal Deposit Insurance Act ). The lender acts in the capacity of a lending or banking institution, and the newly issued credit or money is similar or equivalent to a promissory note, which may be treated as a deposit of money when received by the lending bank.. Federal Reserve Bank of XXXX publication XXXX XXXX XXXX, page 11, explains that when banks grant loans, they create new money. The new money is created because a new loan becomes a deposit, just like a paycheck does. XXXX XXXX XXXX, page 6, says, What they [ banks ] do when they make loans is to accept promissory notes in exchange for credits to the borrowers transaction accounts. The next sentence on the same page explains that the banks assets and liabilities increase by the amount of the loans. \nAccording to the Federal Reserve Bank of New York, money is anything that has value that banks and people accept as money ; money does not have to be issued by the government. For example, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 9, Federal Reserve Bank of New York ( 4th ed. XXXX ), explains that banks create new money by depositing IOUs, promissory notes, offset by bank liabilities called checking account balances. Page 5 says, Money doesnt have to be intrinsically valuable, be issued by government, or be in any special form.... \nCredit as money are in XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). A synthesis of these sources, as applied to the facts of the present case, is as follows : As commercial banks and discount houses ( private bankers ) became established in parts of XXXX ( especially XXXX XXXX ) and XXXX XXXX, by the mid-nineteenth century they commonly made loans to borrowers by extending their own credit to the borrowers or, at the borrowers direction, to third parties. The typical form of such extensions of credit was drafts or bills of exchange drawn upon themselves ( claims on the credit of the drawees ) instead of disbursements of bullion, coin, or other forms of money. In transactions with third parties, these drafts and bills came to serve most of the ordinary functions of money. The third parties had to determine for themselves whether such credit money had value and, if so, how much. \nGood Faith Disclosure after being noticed so many times could have settled this matter. Produce both sides of the accounting ledgers, Credits and debits, left and right sides. Produce the IRS forms 1099 OIDs, 1096, 8300 will identify who the payor and the recipient of the funds or cash proceeds were under SFAS ( Statement of Financial Accounting Standards ) 95 and IAS ( International Financial Standards ) 7.6 containing the inflows and outflows of cash and cash equivalents on the balance sheet FR 2046 ,2049 form securities of the off balance sheet receivables and payables which identifies both who the source or principles in which the the funds were derived from.\n\n15 USC 1605 ( a ) Finance charge defined ; Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge did not include all the charges. I have been deceptively forced to pay payments, interest, private mortgage insurance, homeowners Insurance, default mortgage insurance, taxes and upkeep on the property at my expense not included in the finance charge to protect the criminal alleged lender XXXX amounts to XXXX. I have been deceptively forced to pay these criminals in a comparable cash transaction for years. I have asked for the default mortgage insurance plan and proof the insurance company denied their claim. They have ignored all of my requests. They have been paid.\n\nI am uniformed without knowledge and understanding of the terms and conditions and how they got a security interest in my property without a red penny of valuable consideration and no evidence of indebtedness, by agreement ( 15 USC 1602 g ). I was uninformed that debt was an option.. I have asked several times only to be ignored. 15 USC 1611 Criminal liability for willful and knowing violation, 15 USC 1692j Furnishing certain deceptive forms, 12 CFR 1006.22, 18 USC 241,242, 42USC 1983,1985,1986.\n\nI have never received any forms for my right to rescission 15 USC 1635 a. I was never informed of my right to rescission let along having it clearly and conspicuously disclosed to me 15 USC 1635 a. 15 USC 1635 i, clearly says I have the right to rescission in foreclosure, let along all the deception and of the violations of law committed. Please send me the forms. 12 CFR 226.23, 226.15.\n\n16 CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. I was uniformed about nor can I find this notice any where on the alleged agreement. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.\n\nThe Mortgage document contains a confessed judgement, denies my right to a homestead exemption 16 CFR 444.2 Unfair credit practices. 16 CFR 444.1 ( g ) Debt. Money that is due or alleged to be due from one to another. Or ; is defined in XXXX law dictionary as optional, a choice. 16 CFR 444.2 ( 3 ) Constitutes or contains an assignment of wages or other earnings. The alleged agreement contains or constitutes me to pay several insurance policies to protect the lender paid with my wages and earnings. 16 CFR 444.2 ( 4 ) Constitutes or contains a nonpossessory security interest in household goods other than a purchase money security interest. \nAccording to these state laws our shelter is considered essential to life, Basic Necessities, Household goods and we should be protected under the law equaly.\n\nFlorida Title 12 RSA 12D-7.002 - Exemption of Household Goods and Personal Effects Section RSA 196.181, F.S. Creature comfort 's are things which give bodily comfort, such as food, clothing and shelter.\n\nAlaska Title 6 Part 2A Chapter 40 6AAC 40.050 essential to the maintenance of life, health, or safety ; such aid, goods, or services including food, water, shelter, heat, emergency medical services, and police and fire protection. \nMaine Chapter XXXX XXXX XXXX  ch.XXXX, Section II DEFINITIONS Basic Necessities Food, clothing, shelter, fuel, electricity, non-elective medical services.\n\nI never received the required disclosures in 15 USC 1539 ( a ) Disclosures ( 1 ) Specific disclosures ( A ) You are not required to complete this agreement merely because you have received these disclosures or have signed a loan application..\n\n( B ) If you obtain this loan, the lender will have a mortgage on your home. You could lose your home, and any money you have put into it, if you do not meet your obligations under the loan..\n\nWe never received the required notice in 16 CFR 444.3 Notice to Cosigner You are being asked to guarantee this debt. Think carefully before you do. If the borrower doesn't pay the debt, you will have to. Be sure you can afford to pay if you have to, and that you want to accept this responsibility. \nYou may have to pay up to the full amount of the debt if the borrower does not pay. You may also have to pay late fees or collection costs, which increase this amount.\n\nThe creditor can collect this debt from you without first trying to collect from the borrower. The creditor can use the same collection methods against you that can be used against the borrower, such as suing you, garnishing your wages, etc. If this debt is ever in default, that fact may become a part of your credit record.\n\nThis notice is not the contract that makes you liable for the debt.\n\n15 USC 1539 ( n ) Consequence of failure to comply Any mortgage that contains a provision prohibited by this section shall be deemed a failure to deliver the material disclosures required under this subchapter, for the purpose of section 1635 of this title.\n\nALL PUBLIC ACCOUNTS are PREPAID, certificates of indebtedness are obligations of the United States. \nSenate Document No. 43, 73rd Congress The ownership of all property is in the State. Individual, so-called ownership is only by the virtue of the government, i.e. law, amounting to mere user, and use must be in accordance with law, and sub-ordinate to the necessities of the state.\n\nCongressional record, XX/XX/XXXX on HR 1491, p.83 Under the new law, the money is issued to the banks in return for government obligations, bills-of-exchange, drafts, notes, trade acceptances, and bankers acceptances, The money will be worth XXXX cents on the dollar, because it is backed by the credit of the nation. It will represent a mortgage on all the homes, and other property of the people of the nation. \nTitle 18 sec. 8. - Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United states notes, treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drags for money, drawn by of upon authorized officers of the United states, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United states stamps. \n31 U.S. Code 3113 - Accepting gifts a ) To provide the people of the United States with an opportunity to make gifts to the United States Government to be used to reduce the public debt ( 1 ) the Secretary of the Treasury may accept for the Government a gift of ( A ) money made only on the condition that it be used to reduce the public debt ; ( B ) an obligation of the Government included in the public debt made only on the condition that the obligation be canceled and retired and not reissued ; and ( e ) ( 1 ) The Secretary shall redeem a direct obligation of the Government bearing interest or sold on a discount basis on receiving it when the obligation ( A ) is given to the Government ; FRNs are obligation of UNITED STATES : Pubic Law 73-10, HJR 192 of 1933 : The term obligation means Federal Reserve notes and circulating notes of Federal Reserve banks and national banking associations. Title 31 sec. 3123 makes a statutory pledge of the United States government to payment of obligation and interest on the public debt. \nTitle 31 sec. 3123. Payment of obligations and interest on the public debt ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the obligations of the government issued under this chapter.\n\n( b ) The Secretary of the Treasury shall pay interest due of accrued on the public debt. As the Secretary considers expedient, the Secretary may pay in advance interest on the public debt by a period of not more than one year, with or without rebate of interest on the coupons. Therefore, the government pledges to pay government obligations which Federal Reserve Notes are, and pay them with FRNs, which is legal tender. Taxes and all bills associated with corporations are all government obligations which they must pay when we accept them for value and rent them to the government that has an obligation to settle the debt, dollar for dollar. It is a fact : Title 31 sec. 3130 further delineates in its definitions a portion of the total public debt, which is held by the public as the Net public debt, sec. 3130. Annual Public Debt Report ( a ) General Rule.- On or before XX/XX/XXXX of each calendar year after XXXX. The Secretary of the Treasury shall submit a report to the Committee on Ways and Means of the Hours of Representatives and the Committee on Finance of the Senate on- ( XXXX ) the treasurys public debt activities, and ( XXXX ) the operations of the XXXX XXXX XXXX . \nFor whatever reason we can associate with their actions and reasons they did so, The People may benefit. The People are the prime creditors and the beneficiaries, the government are trustees ; Trustees pay debts, beneficiaries do not. Thus, government obligations are not taxable. These obligations of UNITED STATES under Title 31 sec. 3124. Exemption from taxation : ( a ) Stock and obligations of the United States Government are exempt form ration by a State of political subdivision of a State. The exemption applies to each form of taxation that would require the obligation the interest on the obligation, or both, to be considered in computing a tax, except- ( XXXX ) a nondiscriminatory franchise tax of another non-property tax instead of a franchise tax, imposed on a corporation; and ( XXXX ) an estate of inheritance tax.\n\n( b ) The tax status of interest on obligations dividends, earnings, or other income from evidences of ownership issue by the Government of an agency and the tax treatment of chain and loss from the disposition of those obligations and evidences of ownership is denied under the Internal Revenue code of 1986 ( 26 U.S.C. 1 et seq. ). An obligation that the Federal Housing Administration had agreed, under a contract made before XX/XX/XXXX. XXXX, to issue a future date, had the tax exemption privileges provided by the authorizing law 4th the time of the contract. This subsection does not apply to obligations and evidences of ownership issued by the District of Columbia, a territory or possession of the United States, of a department, agency, instrumentality, or political subdivision of the District, territory or possession.\n\n12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of XXXX , District of Columbia, or at any Federal Reserve bank. \nThe Constitution does not give we, the people right. It forbids the government to ignore the God given Rights of the people, as seen in the 9th Amendment : The enumeration in the Constitution, of certain rights, shall not be construed to deny or disparage others retained by the people. In addition, the 10th Amendment : The powers not delegated to the United States by the Constitution, not prohibited by it to the States, are reserved to the States respectively, or to the people. There is no law to discourage the people from creating credit instruments. In fact, the the 14th Amendment, sec. 4, we need to. We must Accept for Value, the debt instruments/legal tender of the United States . As long as the debt exists, the Democracy exists. The Republican Form of Government, The United States of America, can only come back when the debt is gone. Since Federal Reserve Notes ( FRNs ) as legal tender are debt notes, an insufficient number exist, for their repayment in kind, will not cover the interest owed. Using FRNs to pay debts only increases the governments obligations on debt by their creation. \nAs it is a fact that all property in the United States are result of the XX/XX/XXXX act is under the ownership of the United States, and/or it's designee, that the currency is underwritten by US Treasury notes , bills and/or obligations, it is impossible for the people to be held liable for government obligations. You can not pay a debt with a debt. No man can be forced to do the impossible. \nThe unconstitutionality of said act is expressed in Congress own words : a. Since XX/XX/XXXX, the United States has been in a shed of declared national emergency. These proclamations give force to 470 provisions of federal law. These hundreds of statues delegated to the President extraordinary power exercised by Congress, which affect the lives of American citizens in a host of all-encompassing manners. This vast range of powers, taken together, confer enough authority to rule this country without reference to normal constitutional processes. Senant report 93-549 XX/XX/XXXX. \nWe are contracting a private investigator to do a thorough forensic security audit. This will prove the securities fraud and that they have been trading these securities on the stock market. They have been paid several times in full.\n\nNotice to cease and desist, Notice to stop calling our private phones Notice of Identity Theft Though hundreds of hours of research, we have recently become aware of the fact that our legal name affixed to its birth certificate is evidence of a state agency, organization or partnership organized by the state. Being aware that the name does not serve to recognize the one who is\nusing it. We have resigned from this agency through the secretary of state. We have sent, filed several notices to the state and federal principle owners, trustees of this name of the identity theft, lack of fiduciary duties, Ect. We have sent several notices to the alleged lender only to be ignored.","date_sent_to_company":"2023-04-05T01:46:44.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"570XX","tags":null,"has_narrative":true,"complaint_id":"6791118","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rocket Mortgage, LLC","date_received":"2023-04-05T00:50:33.000Z","state":"SD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":[". - Obligation or <em>other</em> <em>security</em> of the United <em>States</em> defined The term obligation or <em>other</em> <em>security</em> of the United <em>States</em> includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United <em>states</em> notes, treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drags for money, drawn by of upon authorized officers of the United <em>states</em>, stamps and <em>other</em> representatives"]},"sort":[10.304775,"6791118"]},{"_index":"complaint-public-v1","_id":"5572167","_score":10.172859,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am one of hundreds of victims of theft of cryptocurrency off the exchange run by Gemini Trust Company , LLC ( d/b/aXXXX Gemini XXXX, XXXX ) ( Gemini ) that resulted from Geminis unfair, deceptive, or abusive acts or practices ( UDAAPs ), in violation of the Dodd-Frank Act, 12 U.S.C. 5531. In short, as a result of Geminis failure to adequately safeguard self-directed retirement assets on its exchange from foreseeable misconduct, hackers were able to fraudulently transfer tens of millions of dollars worth of cryptocurrency off the exchange on XX/XX/XXXX, including [ Amount ] ETH from my account. \n\nGemini lured myself and the other victims in by selling security and trust : Trust is our product, they tell the public. We bought it and were led to believe Gemini would adequately safeguard our valuable retirement assets. Gemini advertises its industry leading security, and broadcasts unequivocally that All crypto held online in our exchange wallet is insured. It was precisely statements like these that led me ( and others ) to believe my self-directed retirement funds would be safe on the Gemini exchange and therefore to select a custodian that advertised a partnership with Gemini for this very purpose. At no time, prior to the theft of assets, did Gemini provide any indication that they would not put the full force of their company resources and highly touted security program behind the protection of my assets. To the contrary, upon signing up with Gemini, they sent welcome letters, reiterating promises of their security-first mentality and an ethos of asking for permission, not forgiveness, and they promised the full Gemini experience. \n\nI, and other victims, had every reason to rely on Geminis representations in establishing trust and selecting a place to buy and store valuable retirement assets. However, based on Geminis responses to my inquiries ( and those of other victims ) to date, these representations proved to be unbelievably deceptive. Gemini now claims that all security measures to protect the tens of millions of crypto held on Geminis exchange fell on XXXX XXXX relatively small company that, among other things, takes miniscule fees compared to those taken by Gemini for buying and holding crypto, and that does not sell its product based on its own security but rather that of Gemini. Even though Gemini promised ( among other industry-leading security ) two-factor authentication ( 2FA ), protections against single point of failure, and that in any event crypto is insured against fraud, victims were not notified ( via 2FA or otherwise ) of the withdrawals that Gemini says was due 100 % to IRA Financial ( a single-point of failure ) being severely compromised, and the assets were not insured against this loss. \n\nGemini violated the Dodd-Frank Act by engaging in UDAAPs and harming the victims in several ways. This included unfair acts and practices in the form of inadequate safeguards that caused injuries not reasonably avoidable by consumers. It also included deceptive practices in the form of material misrepresentations reasonably misleading and injuring consumers. Gemini also appears to have violated both state law and possibly the Electronic Funds Transfer Act ( EFTA ), each of which violation would constitute an actionable UDAAP under Dodd-Frank Act as well as a violation of the underlying laws These violations are detailed below.\n\nI. Geminis Unfair Acts and Practices : Failure to Establish Appropriate Policies and Procedures to Prevent, Detect, or Remedy Fraudulent Activity Harming Consumers The fraud that occurred on XX/XX/XXXX was stark. Hackers were able to compromise XXXX XXXX Geminis partner in providing consumers with an option to invest their self-directed retirement funds in cryptocurrency. Amazingly, Gemini had no safeguards against a single point of failure at XXXX  XXXX, where hacked administrative accounts were able to transfer tens of millions of dollars from hundreds of different individual customer accounts under their control into one account, and then transfer from the one account off the exchange, all within dozens of minutes. In statements to victims after this egregious security failure, Gemini has said The subject transactions appeared, from Geminis perspective, to be routine, authorized, and legitimate. This statement from Gemini is incredible and highlights the extreme lack of anything close to proper safeguards.\n\nThe standard for unfairness in the Dodd-Frank Act is that an act or practice is unfair when : ( 1 ) It causes or is likely to cause substantial injury to consumers ; ( 2 ) The injury is not reasonably avoidable by consumers ; and ( 3 ) The injury is not outweighed by countervailing benefits to consumers or to competition. See 15 U.S.C. 45 ( n ) ( The standard for unfairness in the Dodd-Frank Act has the same three-part test as the FTC Act, which was first stated in the FTC Policy Statement on Unfairness ( XXXX XXXX, XXXX ), available at : http : //www.ftc.govXXXX, and later specifically included in the FTC Act. ) As an example, in In re XXXX XXXX, XXXX XXXX, the Office of the Comptroller of the Currency ( OCC ) brought an enforcement action where a bank maintained deposit account relations with telemarketers and payment processors without adequately safeguarding against fraud. In that case, the telemarketers regularly deposited large numbers of remotely created checks drawn against consumers accounts, a large proportion of which were not authorized by consumers. OCCs investigation indicated the bank failed to establish appropriate policies and procedures to prevent, detect, or remedy such activities. Under the three-part test for unfairness, ( 1 ) the consumers lost money from the fraudulent checks was a substantial injury, ( 2 ) consumers could not have avoided the injury from transactions to which they had not consented, and ( 3 ) the cost to the bank of establishing a minimum level of due diligence, monitoring, and response procedures sufficient to remedy the problem would have been far less than the amount of injury to consumers that resulted from the banks avoiding those costs. See CFPB Consumer Laws and Regulations, UDAAPs Manual v.3 at pp.4-5 ( XX/XX/XXXX ) ( discussing the analysis ). \n\nGeminis failures in the present case easily meet the three-part test for unfairness. First, the lost tens of millions of dollars worth of crypto is obviously a substantial injury. Second, there is nothing the consumers could have done to avoid this injuryin fact, not only had the victims not consented to the transfers, but we relied on notifications and two-factor authentication to make any transfers on the Gemini exchange, and yet no notice was provided by Gemini at any time as the accounts were being drained. No protections were offered by Gemini and there was nothing consumers could have done, reasonable or otherwise, to prevent this. Third, as in In re XXXXXXXX XXXX XXXXXXXX XXXX, the cost to Gemini of establishing a minimum level of due diligence, monitoring, and response procedures sufficient to remedy the problem would have been far less than the injury resulting from Geminis avoiding these costs. In other words, Geminis failures were clearly unfair under the meaning of Dodd-Frank , and in accordance with precedent, and CFPB should take action to compel Gemini to restore the victims accounts.\n\nII. Geminis Deceptive Acts and Practices : Misleading Claims and Omissions About Security and Insurance that Consumers Reasonably Relied Upon to their Detriment When I was looking for a platform I could use to invest my self-directed retirement funds in crypto, I picked XXXX  XXXX due to their advertised partnership with Gemini, which holds itself out as an industry leader in security and advertises that all crypto on its exchange is insured. Gemini got my business, and those of countless others no doubt, by promoting a reputation for safety and security. I, and other victims, reasonably relied on Geminis assurances that our assets were safe on the Gemini exchange, and we reasonably believed that, should they be somehow stolen or otherwise compromised, our assets would be protected by Geminis insurance. But all of this appears based on Geminis current position to be egregiously misleading. In other words, Geminis representations were extremely deceptive.\n\nUnder the Dodd-Frank Act, a representation, omission, act, or practice is deceptive when ( 1 ) The representation, omission, act, or practice misleads or is likely to mislead the consumer ; ( 2 ) The consumers interpretation of the representation, omission, act, or practice is reasonable under the circumstances; and ( 3 ) The misleading representation, omission, act, or practice is material. See CFPB Consumer Laws and Regulations, UDAAPs Manual v.3 at p. 5 ( XX/XX/XXXX ) ( citing FTC Policy Statement on Deception, available at http : //www.ftc.govXXXX XXXX \n\nCFPB has explained that, in addition to affirmative representations that are misleading, if material information is necessary to prevent a consumer from being misled, it may be deceptive to omit that information. Id. Examples of deceptive practices may include, among other things, offering to provide a product or service that is not in fact available ;... omitting material limitations or conditions from an offer ; or failing to provide the promised services. Id. \n\nGeminis acts and practices easily meet the test under Dodd-Frank because they lured consumers in with statements creating reasonable expectations for security and insurance, which proved to be totally false and which materially harmed the consumers who relied on these reasonable expectations. Below, I set forth some of the specific statements and representations made or omitted by Gemini, the reasonable expectations these created, and the reality of what occurred and what Gemini is saying now.\n\nA. What Gemini Said : That They Are Safe, Trusted, Leaders in Security, and that Their Protections Include 2FA, Protections Against Single-Points of Failure , and Insurance Against Fraud Geminis entire sales pitch is that they are safe and secure, and that people should trust them to safeguard their valuable assets. Gemini tells the public they are the Safest Crypto Exchange, and make the following representations, among others : Trust is our product.\n\nGeminis founders built Gemini to deliver the first trusted platform that focused on strong security controls and compliance. \nGemini has built a leading security program focused on developing innovative security solutions to help protect and secure our customers and their assets. \nAll crypto held online in our exchange wallet is insured and we use best-in-industry cold storage coverage with leading insurance providers. \n\nSee Gemini Advertising and Marketing Materials, Exhibit A. \n\nAlong the same lines, XXXX  XXXX distinguished itself in advertisements by stressing its partnership with Gemini and underscoring the safety, security, and insurance of the Gemini XXXX. XXXX  XXXX advertised about its partner and their collective products and services, among other things : Gemini is a regulated crypto exchange with over {$10.00} billion in assets. \nHow it works... XXXX  XXXX creates your crypto account on Gemini. Gemini then emails you onboarding instructions. \nGemini is a regulated trust company and offers its clients insurance against fraud. \n\nXXXX  XXXX XXXX and Marketing Materials, Exhibit B. \n\nGemini participated in this partnership and at no time qualified or corrected any statements advertised about the safety, security, and insurance that would protect customers. \n\nNotably, I recall seeing and relying on similar communications and advertisements about the safety and security of Gemini ( and XXXX  XXXX as a result of their partnership with Gemini ), and I understand some materials have since been taken down by one or both companies. I do not have access to all of these, but I believe other victims may have some of these materials that they have provided or may provide to CFBP.\n\nOne stark example of this is Geminis prior claims about insurance, which has now been heavily qualified.\n\nGeminis prior representation about insurance was : All crypto held online in our exchange wallet is insured and we use best-in-industry cold storage coverage with leading insurance providers.\n\nAs of the date of this letter, Gemini has taken this down, tacitly acknowledging its inaccuracy, and Gemini now represents to the public only that : We maintain insurance against certain types of crypto losses from our exchange wallet and from Gemini Custody. To learn more about our insurance, and what it does and does not cover, please visit our User Agreement.\n\nSee Exhibit A. \n\nIn addition to these general promises, Gemini advertises specific details of their industry leading security that protect customers. Some particularly relevant representations include those concerning two-factor authentication and protections against single points of failure : In discussing its specific security practices, Gemini states that Two-Factor Authentication ( 2FA ) is required by default, in order to access your account and make withdrawals.\n\nSimilarly, Gemini toutes its asset security, stating The multisignature digital signature scheme ( multisig ) used eliminates single points of failure and improves our resilience against the loss or compromise of any individual private key.\n\nIt bears noting here that Gemini never corrected any statements advertised by XXXX  XXXX ( or itself ) about the security that would apply to holding retirement account assets on its exchange. In addition, none of the affirmative statements made above were qualified in any way that would communicate to a potential customer of the XXXX  XXXX XXXX Gemini partnership that investing retirement funds are any less protected than investing non-retirement funds. In fact, when onboarding through Gemini after singing up with XXXX  XXXX and Gemini, Gemini communicates the oppositethey sent victims welcome letters, reiterating promises of their security-first mentality and an ethos of asking for permission, not forgiveness, and they promised the full Gemini experience. \n\nB. What Victims Reasonably Understood and Expected : That Our Crypto Was Safe and Insured and that Gemini Would Not Allow Tens of Millions to Be Withdrawn From Our Accounts Without Our Permission or Even Notification, Among other Reasonable Expectations All these statements of assurance and trust workedI and other victims believed Gemini ( and purchased their product ). I and other victims came to the expectation and belief that our crypto was safe from fraud on Geminis exchange, and that in the event anything did happen, Gemini protected our crypto with insurance so there was no appreciable risk of catastrophe. The entire point of selecting XXXX XXXX and Gemini as a place to hold valuable retirement assets was the promised security, safety, and insurance. \n\nSpecific beliefs reasonably held as a result of Geminis representations included that no crypto would be withdrawn from victims accounts without consent via 2FA, that Gemini had adequate protections in place to prevent catastrophic loss from a single-point-of failure, and that in any event our assets were protected against fraudulent withdrawals by Geminis insurance coverage. These beliefs and expectations were eminently reasonable based on the statements above.\n\nFor example, the statement that Geminis security eliminates single points of failure communicates to consumers that we can trust there are multiple layers of security protecting our assets, so that there is no risk of one compromise causing catastrophic loss.\n\nGeminis statement that 2FA is required to make withdrawals gave us the expectation that our accounts would not be able to be drained without our consent or knowledge. My expectations and beliefs on this were also reinforced along the way, including by Geminis requirement for 2FA anytime I executed any transaction on Geminis platform. \n\nThis misrepresentation is particularly egregious given Geminis direct communications to us that they founded Gemini with a security-first mentality and an ethos of asking for permission, not forgiveness. We reasonably expected that they would not allow tens of millions in retirement assets to be withdrawn from our accounts without our permission. This expectation was more than reasonable given their explicit statement that 2FA was required for withdrawals and subsequent practice of asking our permission via 2FA for any buy or trade prior. Not only did they fail to ask for our permission, now they are not even asking our forgivenessto date they have taken zero responsibility for allowing our retirement funds to be funneled off the safest crypto exchange. \n\nGeminis unqualified statement that all crypto on their exchange is insured gave us all confidence that, should anything happen, there is insurance available to cover loss. This was advertised by both Gemini and XXXX XXXX, and a material inducement for us to give them business. Given these broad, unqualified statements, it was reasonable for customers to expect that Gemini would in fact cover crypto with insurance against loss if their security practices failed to prevent the loss, as was the case here. \n\nAs to the rest of my expectations around security and insurance, at no time did I have any reason to question any of the representations and promises initially made that I relied upon in signing up with XXXX XXXX and Gemini. \n\nC. What Actually Happened and What Gemini Now Says About it On XX/XX/XXXX, XXXX  XXXX was hacked. Hackers gained control of XXXX  XXXX administrator accounts, transferred tens of millions of dollars worth of assets from hundreds of victims to one account, created a new external wallet, and transferred the assets off Gemini exchange without notifying victims or apparently raising any flags at Gemini whatsoever. In fact, Gemini told victims The subject transactions appeared, from XXXX perspective, to be routine, authorized, and legitimate. Gemini XX/XX/XXXX Response to Victim CFPB Claim, Exhibit C. As presented to Gemini, these actions satisfied all of Geminis transaction approval requirements and appeared to be authorized transactions made from XXXX  XXXX known and approved devices. Gemini XX/XX/XXXX Response to EFTA Notice, Exhibit D. Further, Gemini has stated their insurance does not cover the loss because Geminis systems were not compromised.\n\nIn other words, the expectations we reasonably held based on Geminis representations proved dramatically false : Our expectation that Gemini was a safe, secure, trustworthy place to store crypto was eviscerated by their total failure to prevent bad actors from summarily and fraudulently transferring tens of millions of dollars worth of assets off the exchange. \nOur expectation that Gemini would notify us with 2FA and ask permission to withdraw funds proved shockingly false as we heard nothing from Gemini while they allowed our funds to be drained.\n\nOur expectation that their security included multiple layers to protect against single-points of failure such as the hack of an administrator with the power to create new external wallets and transfer off assets without safeguards proved similarly false.\n\nFinally, our expectation that Gemini maintained insurance that would protect our crypto as a fail-safe in case there was a dramatic unexpected breach also proved false. \n\nD. Clear Violation of Standard under XXXX XXXX These misrepresentations easily meet the test for deceptive under the Dodd-Frank Act. First, they are likely to mislead customers. As noted, the whole point of the advertising is to garner trust in Geminis security and get customers to buy their product. Second, as explained above, believing these representations under the circumstances is reasonable. Customers had no reason to question what Gemini and XXXX  XXXX were selling until the catastrophic failures came to light. Finally, the representations were material. The entire reason I ( and others, presumably ) chose Gemini was for the advertised safety and security. \n\nIt is critical to note that, even if all of Geminis claims were technically accurate ( for example, if their 2FA applied to XXXX  XXXX and not the consumer, and if the coins were insured just not against this type of fraud ), these claims remain highly misleading and illegal under XXXX XXXX I was led to believe, as any reasonable consumer would be through these claims, that my crypto was safethat it would not be withdrawn without my own 2FA ( which was required for purchases and transfers ) ; that Geminis systems were not susceptible to single-point of failure attacks ( including, what a reasonable consumer would think constitutes single-point of failurethe hack of Geminis partner administrator ) ; and that in any event, my crypto was protected via Geminis touted insurance policy. All of these beliefs turned out to be false and inaccurate, and yet they are totally reasonable and foreseeable based on Geminis advertising, representations, communications, acts, and practices. These misrepresentations were hugely materialthe trust was the foundation of my ( and other customers ) decision to go with Gemini. In no event would any of us have considered putting our retirement assets on the Gemini exchange had we known that our assets were not in fact protected in the way Gemini led us to believe they would be. \n\nIn other words, whether or not Gemini technically provided all the security they advertised, the fact remains that it was totally inadequate to prevent massive, foreseeable fraud, and this was shocking to customers who reasonably relied on their statements to believe that Gemini would be able to prevent, or at minimum insure loss from, such massive fraud. \n\nIII. Geminis Violations of State and Federal Law In addition the the violations outlined above, violations of applicable state and federal law also constitute UDAAPs, enforceable as violations under Dodd-Frank.\n\nA few noteworthy violations of applicable New York state law include : Gemini was required to conduct risk-assessment of XXXX XXXX platform and evaluate the adequacy of XXXX XXXX cybersecurity practices and protections under 23 NYCRR 500.11 . Gemini failed to do this. This is particularly egregious since Gemini now points to the breach at XXXX  XXXX and says Gemini holds no responsibility, putting all of the weight of responsibility on a security link that they themselves did not evaluate, in contravention of state law. \n\nGemini was required to provide its telephone number for the receipt of complaints under 23 NYCRR 200.20 ( b ) ( 1 ), but had only provided XXXX XXXX with its email address. This violation resulted in delays and significant loss after XXXX  XXXX detected the ongoing theft and Gemini was unresponsive to initial email notifications, with no ability to immediately notify Gemini. \n\nGeminis false, misleading, and deceptive representations and omissions, discussed above, are violations of New York law on advertising and marketing, 23 NYCRR 200.18. Gemini claims that its unqualified advertising that all crypto held on its exchange are insured was modified by language buried in its user agreement. However, as discussed above, even if this is technically true, the unqualified advertisement was highly misleading and deceptive, and itself is false without the separate qualification. Similarly, as discussed above, Geminis advertisements and representations that 2FA was required for withdrawals was misleading, deceptive, and ultimately false. \n\nGemini was required to implement adequate anti-money laundering measures and protections under 23 NYCRR 200.15 ( b ), ( c ). Criminals were able to steal assets from hundreds of accounts, transfer those assets ( one coin at a time ) to a single, unrelated account and then remove the stolen assets to a money-laundering tornado, thereby hiding the identity/ownership of the assets. This criminal laundering scheme involved several hundred transfers that went completely undetected by Gemini, in violation of New York anti-money laundering law. \n\nSimilarly, Gemini was required to monitor its system for transactions that might signify money laundering, tax evasion, or other illegal or criminal activity. 23 NYCRR 200.15 ( e ) ( 3 ). Gemini did not monitor for such activity here, as evidenced by the fact that it permitted hundreds of illegal transfers to occur, one coin at a time, into a single, unrelated account having no connection to its customers XXXX  accounts, and then allowed all of the stolen assets to be removed from its exchange. Subsequently, Gemini stated The subject transactions appeared, from Geminis perspective, to be routine, authorized, and legitimate. \n\nCritically, Gemini was also required to maintain, as part of its anti-money laundering program, a customer identification program. 23 NYCRR 200.15 ( h ). As part of this, Gemini was required to verify the identity of any accountholder initiating a transaction with a value greater than {$3000.00}. Here, as discussed above, Gemini did not verify the identity of the hundreds of customers via 2FA or otherwise of the withdrawals of hundreds of millions of dollars worth of crypto via voluminous transactions, all over {$3000.00} in value.\n\nGemini further failed to have in place appropriate policies and procedures to block or reject specific or impermissible transactions that violate Federal or State laws, rules, or regulations in violation of 23 NYCRR 200.15 ( j ). As discussed above, Geminis failures to monitor for, flag, or notify customers of hundreds of millions of dollars worth of crypto being fraudulently transferred to one account then to a new external wallet off exchange and into the abyss was an egregious failure.\n\nGemini also violated Californias Unfair Competition Law, Cal. Bus. Prof. Code 17200 et seq., which prohibits unfair business practices, including misleading advertising, similar to the federal violations of XXXX discussed above. Geminis unfair and misleading business practices were violations of state law in California because Gemini advertised its services here in California where I and other California victims reside, and Gemini got my business and that of other California victims, who all suffered a loss as a result of these practices.\n\nGemini may also have violated the Electronic Funds Transfer Act. I provided Gemini with notice of unauthorized transfer and requested correction under Regulation E. Gemini responded that Regulation E did not apply to the unauthorized transfer from my Gemini account because the account was a retirement account. It is unclear to me whether this is accuratethe exemption from retirement accounts appears to be focused on exempting the entity complying with IRS retirement obligations, which in this case would be XXXX  XXXX. It is not clear that the exemption would apply to Gemini, who is not regulated as a custodian. Thus, it appears Gemini may also have violated the EFTA. See EFTA Correspondence, Exhibit E.\n\nIV. Conclusion and Request for Remedy Geminis promises of security, notifications, insurance, and trust succeeded in getting the business of hundreds of victims that put tens of millions of dollars of critically important retirement funds on Geminis exchange and trusted Gemini to deliver on its promises, including to ask permission not forgiveness. Yet we found out Gemini failed us dramatically by allowing thieves to fraudulently transfer our retirement savings to one account, create an external wallet, and transfer our savings off Geminis exchange, without so much as notifying us, much less performing any of the promised or required verifications. Gemini did not even flag this as unusual, but instead told victims The subject transactions appeared, from Geminis perspective, to be routine, authorized, and legitimate. And they say it was not insured after all. \n\nThis is an outrageous failure on so many levels. The violations of XXXX are stark and numerous, as set forth above. We were misled by Gemini into buying the trust they were selling. But in the end, they did not protect our assets, and they are not putting the force of their company behind their initial promises of security and insuranceinstead it appears they are putting the force of their company toward gearing up to defend claims and making all the hundreds of victims pay out of pocket to hire private attorneys to enforce their clear rights. It is reprehensible. \n\nI am asking the CFPB to enforce XXXX and require Gemini to make the victims wholespecifically to reimburse victims in-kind for all of the crypto that was allowed to be transferred fraudulently off Geminis exchange, and to reimburse victims for any attorney fees and other costs actually incurred as a result. If CFPB has the power and inclination, I also request further penalties to be issues and further compensation to victims to be paid for their non-monetary damages, including the severe mental stress and emotional turmoil it has had on their lives as theyve dealt with drained retirement accounts and an about-face from the company that promised trust and security. \n\n\nThank you for your immediate care and attention to this matter. \n\nSincerely,","date_sent_to_company":"2022-05-18T00:46:37.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"94107","tags":null,"has_narrative":true,"complaint_id":"5572167","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Winklevoss Exchange LLC","date_received":"2022-05-18T00:20:35.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["In addition to these general promises, Gemini advertises specific details of their industry leading <em>security</em> that protect customers. Some particularly relevant representations include those concerning two-factor authentication and protections against single points of failure : In discussing its specific <em>security</em> practices, Gemini <em>states</em> that Two-Factor Authentication ( 2FA ) is <em>required</em> by default, in order to access your account and make withdrawals."]},"sort":[10.172859,"5572167"]},{"_index":"complaint-public-v1","_id":"7184949","_score":10.078025,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"FACT, the truth in lending act is intended to inform consumers about the cost of credit. \nFACT, the truth in lending act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. \nFACT, AFFIANT is aware and has proof in attachment labeled as exhibit ( A ) XXXX  Is in violation of 15 USC 1692 ( C ) ( A ) a debt collector may not communicate with a consumer in connection with the collection of any debt.\n\nFACT, AFFIANT is aware and has proof in attachment labeled exhibit ( A ) that XXXX  is in violation of 15 USC 1692 ( B ) ( 2 ) AND ( B ) ( 5 ) AS THESE LAWS APPLY TO ALL CREDIT COLLECTION AGENCIES ALL VIOLATIONS MUST BE ANSWERED FOR 15 USC 1692 D ( 2 ) A debt collector may not engage in any conduct the natural consequence of which is to harass oppress or abuse any person in connection with the collection of a debt without limiting the general application of the foregoing the following conduct is a violation of this section. \nIN TRUTH I XXXX XXXX FEEL OPRESSED AND ABUSED AS LVNV AND ITS AFILIATES HAVE SENT ME 3 LETTERS WITH DIFFERENT AFFILIATES ( 2 ) the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader 15 USC 1692 b Section ( 2 ) Any debt collector shall not state that such consumer owes any debt. \nIdentify, state that he is confirming or correcting location, information concerning the consumer and only if expressly requested identify his employer not state that such consumer owes any debt not communicate with any such person more than once unless requested to do so by such persons or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information not communicate by card Section ( 5 ) not use any language, symbol on any envelope, or in the contents of any communication affected by the mail or telegrams that indicate that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.\n\n15 USC 1692 C ( A ) COMMUNICATION with the consumer without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent authority, a debt collector may not communicate with the consumer in connection with the collection of any debt.\n\nabusive tactics there is abundant evidence of the use of abusive deceptive and unfair debt collection practices by many debt collectors abusive debt collection practices contribute to the number of personal bankruptcies to marital instability to the loss of jobs and to invasions of individual privacy. \ncommunication and connection with debt collection at any unusual time or place or a time or place known, or which should be known to be inconvenient to the consumer in the absence of knowledge of circumstances to the contrary a debt collector shall assume that the convenient time for communicating with the consumer is afteXXXX XXXX o'clock and before XXXX  o'clock post meridiem.\n\nA debt collection agency shall not come to the consumer or call to the consumers place of employment especially when the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communications.\n\nAnd for these reasons under the law, you have violated my rights several times. I've never had any contract or have NEVER done business with your company, nor will I ever do business with your company, I ask that you validate this dept I need the date and time this account was opened, all documentation concerning this account, any signatures in my specific hand writing the date closed and the date that this account was charged off also I didnt give you my express written permission to contact the credit bureaus about this account under the FCRA 15 USC 1681 A ( 4 ) THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITY WITH FAIRNESS, IMPARTIALITY AND A RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY 15 USC 1681 A permissible purpose of Consumer Reports and the general subject to subsection C any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instruction of the consumer to whom it relates. collectors are not allowed to contact third parties to discuss a debt unless they will give him express consent by the debtor the only reason they may legally contact a third party is to attempt to locate the individual who owns the payment they may also not contact repeatedly or harass these third parties you guys at XXXX XXXX XXXX are in clear violation of my rights as a consumer I gave no written instruction two you guys to write anything on my credit report therefore you have 5 business days from the receipt of this affidavit to remove any remarks that you have put on my credit report and delete it expeditiously if you do not remove any remark that you have placed on my consumer report you will have to pay me {$5000.00} for not following the instructions in this affidavit and within those five business days I expect to receive all the documentation regarding this account which is clearly not mine 18 U.S.C 8 OBLIGATION OR OTHER SECURITY OF THE UNTIED STATES DEFINED The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.\n\n15 U.S.C. 1666b timing of payments ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. \nIn truth I XXXX XXXX have never received any statement in paper I always needed to request a statement and it would be sent electronically through email. \n( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. \nThere is no such thing as a late payment, the laws are clear on this!\n\n15 U.S.C. 1666d treatment of credit balances.\n\nWhenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account. \n( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the Please explain to me why I am paying for a dept that the United States has already paid as my trustee? I am requesting a full refund on any balances owed for the company 's listed and this affidavit I'm also requesting {$1000.00} for each violation set forth and this affidavit XXXX  XXXX XXXX must pay for every violation of my rights enclosed is the invoice and to send the money for every violation under the fair credit reporting act all balances for any of the companies listing should be returned to me via check to the address listed 15 U.S.C 1692j furnishing certain deceptive forms.\n\n( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. \n( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.\n\n( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. \n( c ) LIMITS ON REUSE OF INFORMATION Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. \n( d ) LIMITATIONS ON THE SHARING OF ACCOUNT NUMBER INFORMATION FOR MARKETING PURPOSES A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.\n\n( e ) GENERAL EXCEPTIONS Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; 15 U.S.C 6803 Disclosure of institution privacy policy ( a ) DISCLOSURE REQUIRED At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers.\n\n( b ) REGULATIONS Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title.\n\n( c ) INFORMATION TO BE INCLUDED The disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to\nwhom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title.\n\n( d ) EXEMPTION FOR CERTIFIED PUBLIC ACCOUNTANTS ( 1 ) IN GENERAL, the disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant.\n\n( B ) certified or licensed for such purpose by a State; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. \nThe Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you.","date_sent_to_company":"2023-07-01T20:14:28.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11236","tags":null,"has_narrative":true,"complaint_id":"7184949","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2023-07-01T20:07:26.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>SECURITY</em> OF THE UNTIED <em>STATES</em> DEFINED The term obligation or <em>other</em> <em>security</em> of the United <em>States</em> includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United <em>States</em> notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United <em>States</em>, stamps and <em>other</em> representatives of value, of whatever"],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"]},"sort":[10.078025,"7184949"]},{"_index":"complaint-public-v1","_id":"9445854","_score":10.031521,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/2024 i sent written notice to XXXX XXXX requesting validation of debt pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ]. I respectfully requested their offices provide me with competent evidence that I have any legal obligation to pay them. I also informed them that if their offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, Equifax, or XXXX ) this action may constitute fraud under both Federal and State Laws. I told them if their offices are able to provide the proper documentation as requested in the following Declaration i sent, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST.\n\nDuring that validation period, i told them that if any action is taken which could be considered detrimental to any of my credit reports, I may consult with legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. The information requested for me to validate the debt was as follows : 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? ____ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : Agreement with your client that grants XXXX XXXX the authority to collect this alleged debt. \nSigned agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.\n\nAny agreement that bears the signature of Debtor, wherein agreed to pay Creditor.\n\nAll statements while this account was open.\n\nHave any insurance claims been made by any creditor regarding this account?\n\no Yes o No Have any Judgements been obtained by any creditor regarding this account?\n\no Yes o No The name and address of the bonding agent for XXXX XXXX, in case legal action becomes necessary. \n\nI told them they must return the completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter. I told them their claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. \n\nThey responded and sent me a copy of the purchase and sale agreement which is not what i requested or what constitutes as validation of debt according to the law. XXXX XXXX is in clear violation of several laws. \n\nUnder 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS OF THE CONSUMER to whom it relates. \n\n>>I did not give written instruction to XXXX XXXX to furnish any information on my credit report and they were not able to furnish proof that i gave them permission to do so. Under 15 USC 1692g They were to notify me of this in writing 5 days prior to address ownership, publication and validation of the alleged debt. I was not. As the original creditor, only I can validate a debt. I do not validate this debt.\n\nThe reporting of this account is a violation of 15 USC 1681, and the Fair Credit Reporting Act.\n\n[ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does NOT include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a CREDIT CARD or similar device; Under the Truth in Lending Act 15 USC 1602 ( g ), CREDIT CARD is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. \n\n>>This makes my social security card, drivers license/ID, and license plate credit cards because they were used for the extension of credit and or property.\n\nUnder The FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or EXPERENCES between the consumer and the person making the report ; >>Since the validation period began, not only has collection activities continued, because i have not paid the alleged debt my credit now has many late payments and my score has gone down XXXXXXXX XXXX Transactional history and payments/experiences are not apart of a report. This agency is in direct violation to 15 USC 1681.\n\nAccording to the Gramm-Leach-Bliley Act Law Pub. L. No. 106-102, 113 Stat. 1338, codified in relevant part primarily at 15 U.S.C. 6801-6809, 6821-6827 Title V, subtitle A, of this Act ( 15 U.S.C. 6801 et seq. ) requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. Such institutions must develop and give notice of their privacy policies to their own customers at least annually ( except where exempted under section 75001 of the Fixing America 's Surface Transportation Act ( FAST Act ), Pub. L. No. 11494, 129 Stat. 1787, codified at 15 U.S.C. 6803 ( f ) ), and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to \" opt out '' from such disclosure. \n\n>>They have violated this law along with many others as well because they have disclosed my personal financial information to unaffiliated third party 's such as XXXX, XXXX, Equifax and XXXX knows who else without notice, consent or an opportunity to opt out.","date_sent_to_company":"2024-07-06T21:26:21.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32818","tags":null,"has_narrative":true,"complaint_id":"9445854","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-07-06T21:26:19.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":[">>They have violated this law along with <em>many</em> <em>others</em> as well because they have disclosed my personal financial information to unaffiliated third party 's such as XXXX, XXXX, Equifax and XXXX knows who else without notice, consent or an opportunity to opt out."],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[10.031521,"9445854"]},{"_index":"complaint-public-v1","_id":"9446330","_score":10.02363,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/2024 i sent written notice to Westlake Financial requesting validation of debt pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ]. I respectfully requested their offices provide me with competent evidence that I have any legal obligation to pay them. I also informed them that if their offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both XXXX and XXXX Laws. I told them if their offices are able to provide the proper documentation as requested in the following Declaration i sent, I will require at least XXXX calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. \nDuring that validation period, i told them that if any action is taken which could be considered detrimental to any of my credit reports, I may consult with legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. The information requested for me to validate the debt was as follows : 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? ____ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : Agreement with your client that grants Westlake Financial the authority to collect this alleged debt.\n\nSigned agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.\n\nAny agreement that bears the signature of Debtor, wherein agreed to pay Creditor.\n\nAll statements while this account was open.\n\nHave any insurance claims been made by any creditor regarding this account?\n\no Yes o No Have any Judgements been obtained by any creditor regarding this account?\n\no Yes o No The name and address of the bonding agent for Westlake financial, in case legal action becomes necessary.\n\nI told them they must return the completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter. I told them their claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents.\n\nThey responded and sent me a copy of the purchase and sale agreement which is not what i requested or what constitutes as validation of debt according to the law. Westlake Financial is in clear violation of several laws.\n\nUnder 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS OF THE CONSUMER to whom it relates.\n\n>>I did not give written instruction to Westlake Financial to furnish any information on my credit report and they were not able to furnish proof that i gave them permission to do so. Under 15 USC 1692g They were to notify me of this in writing 5 days prior to address ownership, publication and validation of the alleged debt. I was not. As the original creditor, only I can validate a debt. I do not validate this debt.\n\nThe reporting of this account is a violation of 15 USC 1681, and the Fair Credit Reporting Act.\n\n[ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does NOT include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a CREDIT CARD or similar device; Under the Truth in Lending Act 15 USC 1602 ( g ), CREDIT CARD is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.\n\n>>This makes my social security card, drivers license/ID, and license plate credit cards because they were used for the extension of credit and or property.\n\nUnder The FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or EXPERENCES between the consumer and the person making the report ; >>Since the validation period began, not only has collection activities continued, because i have not paid the alleged debt my credit now has many late payments and my score has gone down XXXX  points. Transactional history and payments/experiences are not apart of a report. This agency is in direct violation to 15 USC 1681.\n\nAccording to the Gramm-Leach-Bliley Act Law Pub. L. No. 106-102, 113 Stat. 1338, codified in relevant part primarily at 15 U.S.C. 6801-6809, 6821-6827 Title V, subtitle A, of this Act ( 15 U.S.C. 6801 et seq. ) requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. Such institutions must develop and give notice of their privacy policies to their own customers at least annually ( except where exempted under section 75001 of the Fixing America 's Surface Transportation Act ( FAST Act ), Pub. L. No. 11494, 129 Stat. 1787, codified at 15 U.S.C. 6803 ( f ) ), and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to \" opt out '' from such disclosure. \n\n>>They have violated this law along with many others as well because they have disclosed my personal financial information to unaffiliated third party 's such as XXXX, XXXX, XXXX and XXXX knows who else without notice, consent or an opportunity to opt out.","date_sent_to_company":"2024-07-06T21:26:15.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32818","tags":null,"has_narrative":true,"complaint_id":"9446330","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Westlake Services, LLC","date_received":"2024-07-06T19:39:47.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":[">>They have violated this law along with <em>many</em> <em>others</em> as well because they have disclosed my personal financial information to unaffiliated third party 's such as XXXX, XXXX, XXXX and XXXX knows who else without notice, consent or an opportunity to opt out."],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[10.02363,"9446330"]},{"_index":"complaint-public-v1","_id":"9445855","_score":10.02363,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year> i sent written notice to XXXX XXXX requesting validation of debt pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ]. I respectfully requested their offices provide me with competent evidence that I have any legal obligation to pay them. I also informed them that if their offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or TransUnion ) this action may constitute fraud under both Federal and State Laws. I told them if their offices are able to provide the proper documentation as requested in the following Declaration i sent, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST.\n\nDuring that validation period, i told them that if any action is taken which could be considered detrimental to any of my credit reports, I may consult with legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. The information requested for me to validate the debt was as follows : 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? ____ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : Agreement with your client that grants XXXX XXXX the authority to collect this alleged debt. \nSigned agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.\n\nAny agreement that bears the signature of Debtor, wherein agreed to pay Creditor.\n\nAll statements while this account was open.\n\nHave any insurance claims been made by any creditor regarding this account?\n\no Yes o No Have any Judgements been obtained by any creditor regarding this account?\n\no Yes o No The name and address of the bonding agent for XXXX XXXX, in case legal action becomes necessary. \n\nI told them they must return the completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter. I told them their claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. \n\nThey responded and sent me a copy of the purchase and sale agreement which is not what i requested or what constitutes as validation of debt according to the law. XXXX XXXX is in clear violation of several laws. \n\nUnder 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS OF THE CONSUMER to whom it relates. \n\n>>I did not give written instruction to XXXX XXXX to furnish any information on my credit report and they were not able to furnish proof that i gave them permission to do so. Under 15 USC 1692g They were to notify me of this in writing 5 days prior to address ownership, publication and validation of the alleged debt. I was not. As the original creditor, only I can validate a debt. I do not validate this debt.\n\nThe reporting of this account is a violation of 15 USC 1681, and the Fair Credit Reporting Act.\n\n[ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does NOT include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a CREDIT CARD or similar device; Under the Truth in Lending Act 15 USC 1602 ( g ), CREDIT CARD is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.\n\n>>This makes my social security card, drivers license/ID, and license plate credit cards because they were used for the extension of credit and or property.\n\nUnder The FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or EXPERENCES between the consumer and the person making the report ; >>Since the validation period began, not only has collection activities continued, because i have not paid the alleged debt my credit now has many late payments and my score has gone down XXXXXXXX XXXX. Transactional history and payments/experiences are not apart of a report. This agency is in direct violation to 15 USC 1681.\n\nAccording to the Gramm-Leach-Bliley Act Law Pub. L. No. 106-102, 113 Stat. 1338, codified in relevant part primarily at 15 U.S.C. 6801-6809, 6821-6827 Title V, subtitle A, of this Act ( 15 U.S.C. 6801 et seq. ) requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. Such institutions must develop and give notice of their privacy policies to their own customers at least annually ( except where exempted under section 75001 of the Fixing America 's Surface Transportation Act ( FAST Act ), Pub. L. No. 11494, 129 Stat. 1787, codified at 15 U.S.C. 6803 ( f ) ), and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to \" opt out '' from such disclosure. \n\n>>They have violated this law along with many others as well because they have disclosed my personal financial information to unaffiliated third party 's such as XXXX, Transunion, XXXX and XXXX knows who else without notice, consent or an opportunity to opt out.","date_sent_to_company":"2024-07-06T21:26:21.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32818","tags":null,"has_narrative":true,"complaint_id":"9445855","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-07-06T21:26:19.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":[">>They have violated this law along with <em>many</em> <em>others</em> as well because they have disclosed my personal financial information to unaffiliated third party 's such as XXXX, Transunion, XXXX and XXXX knows who else without notice, consent or an opportunity to opt out."],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[10.02363,"9445855"]},{"_index":"complaint-public-v1","_id":"9445853","_score":10.02363,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year> i sent written notice to XXXX XXXX requesting validation of debt pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ]. I respectfully requested their offices provide me with competent evidence that I have any legal obligation to pay them. I also informed them that if their offices have reported invalidated information to any of the 3 major credit bureaus ( Experian, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. I told them if their offices are able to provide the proper documentation as requested in the following Declaration i sent, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST.\n\nDuring that validation period, i told them that if any action is taken which could be considered detrimental to any of my credit reports, I may consult with legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. The information requested for me to validate the debt was as follows : 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? ____ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : Agreement with your client that grants XXXX XXXX the authority to collect this alleged debt. \nSigned agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.\n\nAny agreement that bears the signature of Debtor, wherein agreed to pay Creditor.\n\nAll statements while this account was open.\n\nHave any insurance claims been made by any creditor regarding this account?\n\no Yes o No Have any Judgements been obtained by any creditor regarding this account?\n\no Yes o No The name and address of the bonding agent for XXXX XXXX, in case legal action becomes necessary. \n\nI told them they must return the completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter. I told them their claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. \n\nThey responded and sent me a copy of the purchase and sale agreement which is not what i requested or what constitutes as validation of debt according to the law. XXXX XXXX is in clear violation of several laws. \n\nUnder 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS OF THE CONSUMER to whom it relates. \n\n>>I did not give written instruction to XXXX XXXX to furnish any information on my credit report and they were not able to furnish proof that i gave them permission to do so. Under 15 USC 1692g They were to notify me of this in writing 5 days prior to address ownership, publication and validation of the alleged debt. I was not. As the original creditor, only I can validate a debt. I do not validate this debt.\n\nThe reporting of this account is a violation of 15 USC 1681, and the Fair Credit Reporting Act.\n\n[ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does NOT include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a CREDIT CARD or similar device; Under the Truth in Lending Act 15 USC 1602 ( g ), CREDIT CARD is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.\n\n>>This makes my social security card, drivers license/ID, and license plate credit cards because they were used for the extension of credit and or property.\n\nUnder The FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or EXPERENCES between the consumer and the person making the report ; >>Since the validation period began, not only has collection activities continued, because i have not paid the alleged debt my credit now has many late payments and my score has gone down XXXX XXXX. Transactional history and payments/experiences are not apart of a report. This agency is in direct violation to 15 USC 1681. \n\nAccording to the Gramm-Leach-Bliley Act Law Pub. L. No. 106-102, 113 Stat. 1338, codified in relevant part primarily at 15 U.S.C. 6801-6809, 6821-6827 Title V, subtitle A, of this Act ( 15 U.S.C. 6801 et seq. ) requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. Such institutions must develop and give notice of their privacy policies to their own customers at least annually ( except where exempted under section 75001 of the Fixing America 's Surface Transportation Act ( FAST Act ), Pub. L. No. 11494, 129 Stat. 1787, codified at 15 U.S.C. 6803 ( f ) ), and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to \" opt out '' from such disclosure. \n\n>>They have violated this law along with many others as well because they have disclosed my personal financial information to unaffiliated third party 's such as Experian, XXXX, XXXX and XXXX knows who else without notice, consent or an opportunity to opt out.","date_sent_to_company":"2024-07-06T21:26:21.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32818","tags":null,"has_narrative":true,"complaint_id":"9445853","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-07-06T21:26:19.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":[">>They have violated this law along with <em>many</em> <em>others</em> as well because they have disclosed my personal financial information to unaffiliated third party 's such as Experian, XXXX, XXXX and XXXX knows who else without notice, consent or an opportunity to opt out."],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[10.02363,"9445853"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":260,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":260}]}},"product":{"doc_count":260,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer 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