{"took":237,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":26,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4290928","_score":30.516687,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am unable to get the report from XXXX and Transunion. \nThis is the error I get when I perform the steps to get the Transunion report. \n\nWe are unable to confirm your identity. The identity security system confirms your identity through a series of questions based on accounts and personal information contained in your Free Annual Credit Report. The system was unable to get enough information from the Free Annual Credit Report to complete this process. \n\nI called Transunion multiple times and have been transferred from one department to other like Main number, Consumer interactive, Special handling department and online support team but no luck. \n\nHere are the numbers I called in the past few days. \nXXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2021-04-12T20:31:32.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"22043","tags":null,"has_narrative":true,"complaint_id":"4290928","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-04-12T20:22:12.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["We are unable to <em>confirm</em> <em>your</em> <em>identity</em>. The <em>identity</em> <em>security</em> <em>system</em> <em>confirms</em> <em>your</em> <em>identity</em> <em>through</em> a <em>series</em> of questions based on accounts and personal information contained in <em>your</em> Free Annual Credit Report. The <em>system</em> was unable to get enough information from the Free Annual Credit Report to complete this process."],"issue":["Unable to get <em>your</em> credit report or credit score"],"sub_issue":["Problem getting <em>your</em> free annual credit report"]},"sort":[30.516687,"4290928"]},{"_index":"complaint-public-v1","_id":"3008222","_score":28.307364,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I filled out the form on XXXX to get my credit report from TransUnion, as I have done in years past. Upon redirecting to the TransUnion site, I was not asked any identity questions. Instead, the site took my directly to an error page ( XXXX XXXX XXXX XXXX ) that said : \" We are unable to confirm your identity What happened : The Identity Security System confirms your identity through a series of questions based on accounts and personal information contained in your Free Annual Credit Report. The system was unable to get enough information from the Free Annual Credit Report to complete this process. \n\nWhat to do : To request your Free Annual Credit Report by phone, please call ( XXXX ) XXXX. \n\nAlternately, to request your Free Annual Credit Report by mail, return to XXXX to download the request form. '' Seems like something is broken with TransUnion 's interface to XXXX. This makes it more difficult for people to obtain their free credit report.","date_sent_to_company":"2018-09-01T16:29:53.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"94117","tags":null,"has_narrative":true,"complaint_id":"3008222","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-09-01T16:22:07.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["Upon redirecting to the TransUnion site, I was not asked any <em>identity</em> questions. Instead, the site took my directly to an error page ( XXXX XXXX XXXX XXXX ) that said : \" We are unable to <em>confirm</em> <em>your</em> <em>identity</em> What happened : The <em>Identity</em> <em>Security</em> <em>System</em> <em>confirms</em> <em>your</em> <em>identity</em> <em>through</em> a <em>series</em> of questions based on accounts and personal information contained in <em>your</em> Free Annual Credit Report."],"issue":["Unable to get <em>your</em> credit report or credit score"],"sub_issue":["Problem getting <em>your</em> free annual credit report"]},"sort":[28.307364,"3008222"]},{"_index":"complaint-public-v1","_id":"2853375","_score":27.90755,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"20 YEARS AGO, TRANSUNION GAVE ME A CORRECT CREDIT REPORT. But now, they won't let me sign in to get a report, claiming \" We are unable to confirm your identity What happened : The Identity Security System confirms your identity through a series of questions based on accounts and personal information contained in your Free Annual Credit Report. The system was unable to get enough information from the Free Annual Credit Report to complete this process. '' -- - This Happened XX/XX/2018 after the 1st question.\n\nThe OTHER 2 agencies have no problem. I tried to get a mortgage loan a couple weeks ago, and Transunion reported incorrect information to my bank, so I wanted to file a complaint.\n\nI had a problem with them 10 years ago, but they put the problem on ME TO VERIFY MYSELF ( send birth cert., Driver Lic , and More ) - there was no CFPB to notify back then. They refused to attempt to verify over the phone ( back then, and I won't bother to repeat the hours on the phone ).\n\nIf they would \" cross-reference '' my Social Security number with the other agencies, they could clear this up.","date_sent_to_company":"2018-03-24T21:29:10.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"76133","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"2853375","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-03-24T20:54:44.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["But now, they won't let me sign in to get a report, claiming \" We are unable to <em>confirm</em> <em>your</em> <em>identity</em> What happened : The <em>Identity</em> <em>Security</em> <em>System</em> <em>confirms</em> <em>your</em> <em>identity</em> <em>through</em> a <em>series</em> of questions based on accounts and personal information contained in <em>your</em> Free Annual Credit Report. The <em>system</em> was unable to get enough information from the Free Annual Credit Report to complete this process. '' -- - This Happened XX/XX/2018 after the 1st question.\n\nThe OTHER 2 agencies have no problem."],"issue":["Unable to get <em>your</em> credit report or credit score"],"sub_issue":["Problem getting <em>your</em> free annual credit report"]},"sort":[27.90755,"2853375"]},{"_index":"complaint-public-v1","_id":"3237782","_score":25.964872,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I called TransUnion because I was unable to submit a dispute online. The representative I spoke with filed the dispute for me, but was unable to tell me why I could not access their online dispute website. \n\nShe gave me the number to call the online team. I called and spoke with XXXX. I explained to her that although I was able to file my dispute via phone, I wanted to fix whatever the issue was with my identity not being confirmed. First, she said it was the browser I was using, and then she said it was because I already had a dispute filed. \n\nThe message below is what I was given online : \" We are unable to confirm your identity What happened : The Identity Security System confirms your identity through a series of questions based on accounts and personal information contained in your Personal Credit Report. The system was unable to get enough information from the Personal Credit Report to complete this process. \n\nWhat to do : Please contact us at ( XXXX ) XXXX-XXXX to initiate a dispute via telephone, during our normal business hours ( XXXX to XXXX XXXX Mon-Fri ). You can also mail your dispute. \n\nIf I can not get it resolved with a customer service representative, that leaves me no other options. '' I just need assistance, and I wasn't given any other options.","date_sent_to_company":"2019-05-09T22:58:16.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"94509","tags":null,"has_narrative":true,"complaint_id":"3237782","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-05-09T22:43:35.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["The message below is what I was given online : \" We are unable to <em>confirm</em> <em>your</em> <em>identity</em> What happened : The <em>Identity</em> <em>Security</em> <em>System</em> <em>confirms</em> <em>your</em> <em>identity</em> <em>through</em> a <em>series</em> of questions based on accounts and personal information contained in <em>your</em> Personal Credit Report. The <em>system</em> was unable to get enough information from the Personal Credit Report to complete this process."],"issue":["Unable to get <em>your</em> credit report or credit score"],"sub_issue":["Problem getting <em>your</em> free annual credit report"]},"sort":[25.964872,"3237782"]},{"_index":"complaint-public-v1","_id":"17994786","_score":18.06603,"_source":{"product":"Credit card","complaint_what_happened":"Wells Fargo Executive Resolutions Team, Im writing to request immediate assistance regarding a series of unresolved issues tied to an account I have been attempting to close since XX/XX/year>. \nDespite my repeated cancellation requests and one previously filed complaint, the following events have continued occurring : Unsolicited debit cards have been mailed to me multiple timeseven after the account was supposed to be fully closed. \nAn unauthorized address, located in a state I have never lived in or used, was added to my account. To date, no one at Wells Fargo has been able to explain how or when this occurred. \nMy wife recently received a denial letter for a credit card application she never submitted, raising additional concerns about account security and internal controls. \nEach time I inquire, I am told that Wells Fargo needs more time, yet no meaningful updates or resolutions have been provided. \nAt this point, the situation has escalated beyond a routine service issue. These are clear indicators of potential system errors, unauthorized account activity, or possible identity-related breaches occurring within your processes. \nIm requesting the following : A full written explanation of how these events occurred, including the unauthorized address change and unsolicited card reissues.\n\nImmediate confirmation of the permanent closure of all accounts associated with my profile. \nA complete audit of all activity tied to my name and my wifes name from XX/XX/year> to present. \nWritten verification that no credit products were opened, attempted, or processed without explicit authorization. \nA direct point of contact within the Executive Office who can provide timely updates and oversight until this matter is resolved.\n\nMy goal is simple : clarity, closure, and confidence that our information is secure. Ive tried resolving this through standard channels for several months, and the lack of answers has made escalation necessary. \nPlease confirm receipt of this message and provide a timeline for when I can expect the full audit and formal response. \nThank you for your attention to this matter. I look forward to resolving it promptly. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-12-01T19:17:01.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"28403","tags":null,"has_narrative":true,"complaint_id":"17994786","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-12-01T18:49:30.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["Ive tried resolving this <em>through</em> standard channels for several months, and the lack of answers has made escalation necessary. \nPlease <em>confirm</em> receipt of this message and provide a timeline for when I can expect the full audit and formal response. \nThank you for <em>your</em> attention to this matter. I look forward to resolving it promptly. \nSincerely, XXXX XXXX"],"issue":["Closing <em>your</em> account"],"sub_issue":["Can't close <em>your</em> account"]},"sort":[18.06603,"17994786"]},{"_index":"complaint-public-v1","_id":"8959224","_score":14.200399,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Sometime in XXXX XXXX, I opened a Revolut account online ( I can't confirm this as I do not have access to my account ). On XX/XX/XXXX, I used my Revolut card to send some money to a friend. XXXX XX/XX/XXXX, when I tried to go into my account to check my balance, I was asked to enter my passcode ( Face ID was not working at this time for some reason ). I apparently have forgotten my passcode, so I clicked on \" Forgot Passcode '' to reset. \n\nThus began a series of XXXX ( XXXX ) attempts by me to get Revolut to verify my identity. \n\nXXXX ( XXXX ) times I submitted : * My full name, birth date, and social security number - none of which has changed since I opened this account. \n* My full mailing address - which has changed since I opened my account * My driving license, front and back * Selfies/photos of me alone ( using their own in-house software ) and several with me holding a piece of paper with the words \" REVOLUT [ a code number I was given ] and the current date '' ( see attached photos ) * Previous devices I had used to access my device : Laptop - I have changed this device twice since I opened my account XXXX - I have changed my device twice since I opened my account XXXX - I have changed this device once since I opened my account I tried to SPEAK with a human, but I can not find a Customer Service telephone number for them anywhere on the internet. There is only a robo-number to call if you want to block your account. \n\nAll these issues were dealt with via online chat by an international off-shore team who were strictly following a script... the same script I was asked to go through XXXX times expecting a different result. They did not appear to have any history to show how many times I had called, how many cases I had opened, no notes to indicate any previous efforts to get through to them. \n\nI finally filed a Formal Complaint. The response was as follows, which basically instructs me to continue to do what I've done XXXX times already : My name is XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Revolut Technologies Inc . \n\nWe have received your complaint on the XXXX of XX/XX/XXXX. We have investigated the problem that has led to your complaint, and I have gathered all the information we need to provide you with our Final Response. Thank you for your patience whilst we investigated your complaint. \n\nOur resolution : I appreciate the difficulties you have endured. I am hopeful that my explanation resolves your complaint. \n\nOur understanding of your complaint : Youre dissatisfied with our services following your request to verify your Revolut Account. In particular, you are unable to log in to your Revolut account through selfie or by providing a driving license.\n\nOur decision in more detail : Im really sorry that youve had reasons to complain, and I empathise with the potential frustration you've experienced, along with any doubts it may have raised about our service 's integrity.\n\nAs a regulated financial institution, we may be required to pause your Revolut account, or a payment made on it, until your identity verification is complete. These restrictions are based on multiple factors, including legal obligations. In order for your Revolut account to be fully operational and functional, you will need to complete the verification process of your identity. \n\nThis policy is in line with a banking regulation commonly known as 'Know Your Customer ( KYC ) or 'Customer Due Diligence ' ( CDD ) and is the process of a business verifying the identity of its clients. Revolut does not benefit from limiting our customers accounts, therefore, we always aim to review the cases as quickly as possible in order to minimise the impact of it on our customers. \n\nAdditionally, we of course understand the importance of accessing your account seamlessly and the impact it can have on your overall experience with our services. Please know that we take such matters very seriously, and we are committed to ensuring a smooth and trouble-free experience for all our customers. \n\nAfter reviewing our records, we see that your account was last accessed on the XXXX of XX/XX/XXXX. Our customer support team has been reviewing your case diligently since you first contacted us via chat on the XXXX of XX/XX/XXXX. Despite our efforts, you werent able to successfully log in into your account. We sincerely apologize for any delay in resolving your query. After thorough investigation and close monitoring of our systems, I can confirm that there are no ongoing technical issues affecting our login process. Additionally, we have contacted the Verifications Team internally in regards to the troubles you faced with accessing the account. In light of this update, I believe that you should now be able to access your account without any further hindrance. \n\nIn the meantime, I would suggest that you go through these troubleshooting steps also detailed in our Help Centre I can not log in : Ensure that you are using the correct phone number/email and password combination. \nReinstall the Revolut app Try accessing your account through our Revolut Web app. Please see our Help Centre article Accessing the retail web app.\n\nYou may be asked to either enter a One Time Passcode ( OTP ) which you should receive via SMS ( do not share this OTP with anyone ) or authenticate through email. If for some reason you can't receive the SMS OTP, wait for the 'Resend code ' countdown to expire and tap 'Resend code '. This will give you the option to receive an email authentication instead of the SMS OTP. \n\nIn most cases, the above steps effectively resolve any login difficulties experienced by our customers. However, should you still encounter any challenges please dont hesitate reaching out to customer support via our in-app chat and as recently asked by the Verifications Team, please provide the latest screenshot of any error you would receive.\n\nFor your information, if you fail the verification process more than XXXX times, you will be directed to the in-app chat support, even if you are not logged in. You can also consult the instructions detailed in our Help Centre article How do I contact customer support. \n\nWe've found that weve acted within the [ set terms and conditions|https : //www.revolut.com/en-US/legal/terms/ ] previously established, and in light of these circumstances, I hope you will be able to log into our account now and that you find the explanation transparent. \n\nBest regards XXXX XXXX http : //www.revolut.com","date_sent_to_company":"2024-05-08T17:10:12.000Z","issue":"Other transaction problem","sub_product":"Virtual currency","zip_code":"49686","tags":"Older American","has_narrative":true,"complaint_id":"8959224","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Revolut Technologies Inc.","date_received":"2024-05-08T16:08:39.000Z","state":"MI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Thus began a <em>series</em> of XXXX ( XXXX ) attempts by me to get Revolut to verify my <em>identity</em>. \n\nXXXX ( XXXX ) times I submitted : * My full name, birth date, and social <em>security</em> number - none of which has changed since I opened this account."]},"sort":[14.200399,"8959224"]},{"_index":"complaint-public-v1","_id":"12765944","_score":13.664139,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally file another complaint against Wells Fargo regarding a series of ongoing issues with their customer service, account management, and failure to provide accurate and consistent documentation, particularly in relation to my credit card account. Despite my numerous attempts to resolve these issues, Wells Fargo refuses to acknowledge liability in maintaining accurate consumer information, timely access to accounts or policies that affect those with XXXX. \n\nAccount Access and Identity Verification Issues Throughout XXXX, I experienced consistent difficulties accessing my Wells Fargo account online, despite verifying critical pieces of identity such as my social security number and birthdate. I was repeatedly directed to call their call center, where I provided detailed personal information to verify my identity, including old street names and previous trade accounts. However, each time I called, representatives were unable to confirm my identity, and I was refused access to my account. I was also unable to provide my account number, as I did not have physical access to the credit card, and Wells Fargo refused to provide an alternate means of verification.. \n\nAs a XXXX individual, I was unable to visit the nearest branch to attempt to resolve this issue in person. This lack of reasonable accommodations for XXXX individuals is unacceptable and highlights a failure in Wells Fargos system to be accessible to all customers. Furthermore, in-branch Wells Fargo employees have claimed that they have limited access to many features that the national/international call center has, so there are serious doubts to any resolution that could happen given Wells Fargo 's perpetual desire to \" pass responsibility '' to whomever a customer contacts. This is a consistent pattern for Wells Fargo, identified with nearly 2 decades of banking with the institution.\n\nOnline Banking Access According to Wells Fargos response, Based on your shared concerns, we have reviewed your online banking activity from XX/XX/XXXX through XX/XX/XXXX. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, there were unsuccessful attempts to access the online banking, our records show that we did not block the online banking or prevent you from accessing the online banking channel and we were able to verify that only a password reset was needed which is able to be completed online as well using the email attached to the online banking account. We can confirm that once the password reset was completed, there were no restrictions that would have prevented you from accessing your account online. \n\nThis is simply not accurate. I was never able to access online banking due to restrictions and the system would not allow me to reset my password via its automated system. Numerous calls were made to resolve this, but the representative told me it would be impossible to send to reset without identity verification into account, despite my XXXX email address attached to the account being both accessible and the same since XXXX. I also told a member of Wells Fargos Executive Department, tasked to address CFRB complaints, that I continued to have no access into online banking in order to view final statements. She prompted me to try again, which I did while she was on the line, and could not gain access. She could not provide access and claimed I had to escalate the issue to XXXX  as it could be an internal system issue. I have no faith at this point that Wells Fargo has any true desire to fix this online banking access issues which is undoubtedly affecting others. \n\nCredit Card Closed and Collections Started Despite being a customer who had consistently paid my credit card on time for over 10 years, my credit card account was closed in XX/XX/XXXX, and collections were initiated. This situation damaged my credit, as my account was reported as being 120+ days late to the credit bureaus, resulting in a significant drop of over XXXX points in my credit score. This is in stark contrast to my previous payment history, which had always been timely and responsible. \n\nInconsistent Account Resolution and Failure to Provide Written Confirmation In XX/XX/XXXX, I contacted Wells Fargo collections to settle my credit card debt after receiving a settlement offer for 60 % of the total owed. Surprisingly, after multiple attempts, Wells Fargo representatives were able to verify my identity and process the payment within minutes, a stark contrast to the earlier challenges I faced with identity verification. \n\nHowever, the final representative I spoke with assured me that the debt would be \" settled for less than the full balance '' and that the account would be fully closed and reported as such on my credit report. Despite this verbal assurance, I have not received any written confirmation of the settlement, and as of XX/XX/XXXX, my credit report still shows a remaining balance of {$240.00} on the account well into XXXX, resulting in a decline of an loan due to the incorrect reporting. \nXXXX and XXXX Failure to Resolve Previous CFPB Complaints I previously submitted a complaint to Wells Fargo through the CFPB regarding these issues, and while I received a response from their executive services bureau, the matter remains unresolved. I was informed that a representative would call me back to address my concerns, yet they missed the first appointment to do so and follow up with Executive Department employees was spotty. Wells Fargos failure to address these issues in a timely and satisfactory manner has caused ongoing frustration and significant financial harm.\n\nInconsistent and Invalid Documentation Further complicating this matter, Wells Fargos response to my previous CFPB complaint included proof of address that was inconsistent, invalid, and incorrect. This lack of accurate documentation has only compounded the difficulties I have faced in resolving my account issues.\n\nThere are significant discrepancies in Wells Fargos response to my previous complaints filed through the Consumer Financial Protection Bureau ( CFPB ). Specifically, the documentation provided by Wells Fargo in response to complaints XXXX and XXXX, including credit card statements and debt collection letters, consistently contained errors in the address format, which not only misrepresented my address but also listed addresses that do not exist. \nWells Fargo indicated in XX/XX/XXXX : We confirmed you were previously notified that your account was past due and that payment was needed to bring your account current, we also provided multiple options to make payment to the account such as mailing in a payment, calling us, completing the payment online, or stepping into a branch on the enclosed letters which were mailed to you. \nThe proof of address provided by Wells Fargo in these responses was repeatedly in an incorrect format, failing to meet XXXX XXXX ( Coding Accuracy Support System ) compliance, which ensures proper addressing for efficient mail delivery. This non-compliance is critical because it directly impacts the validity and accuracy of the documents being submitted as proof of address. The addresses listed in the statements and debt collection letters did not match the correct format for standard postal delivery, which further calls into question the legitimacy of Wells Fargos documentation. \nMoreover, the addresses shown on the credit card statements and collection letters from Wells Fargo were not even real, existing addresses. This raises serious concerns about the accuracy and authenticity of the documentation being provided. Since Wells Fargo relies on these documents as \" proof of address '' in resolving complaints, the inclusion of incorrect and non-existent addresses undermines the credibility of their response and demonstrates a lack of attention to detail. This not only affects the integrity of my credit history but also suggests an ongoing failure by Wells Fargo to handle customer information in a responsible and compliant manner. \nThese address discrepancies are more than just clerical errors ; they complicate efforts to resolve my complaint and further delay a fair resolution. Given the critical role that proper address documentation plays in verifying customer identities and processing complaints, Wells Fargos failure to provide accurate and compliant records has hindered my ability to resolve this matter satisfactorily.\n\nAttached to this complaint is evidence of these address inconsistencies, provided by Wells Fargo as supposed proof that the bank had no liability or responsibility to correct this issue. Only Wells Fargos correspondence on XX/XX/XXXX ( after the account was closed ) reflected the correct, CASS-compfaint and deliverable address.","date_sent_to_company":"2025-04-01T19:04:31.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95521","tags":null,"has_narrative":true,"complaint_id":"12765944","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-04-01T18:24:47.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Online Banking Access According to Wells Fargos response, Based on <em>your</em> shared concerns, we have reviewed <em>your</em> online banking activity from XX/XX/XXXX <em>through</em> XX/XX/XXXX."],"sub_issue":["Their investigation did not fix an error on <em>your</em> report"]},"sort":[13.664139,"12765944"]},{"_index":"complaint-public-v1","_id":"7565293","_score":13.5487,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Details of the Experience : Starting sometime around 2023, whenever I logged in to access my Paypal account online through a web browser, after entering and verifying my credentials, I would be blocked from progressing to my actual account management by a \" Add your phone number '' screen. This \" add phone number '' page had been popping up prior to 2023, but previously there was always a small \" skip '' option provided ; whereas now there is no way to progress without entering a phone number. This means I can not access my account at all unless I give Paypal a phone number. I have had this account for many years, possibly a decade or more, so long that I can not remember even the number of years, and in all that time I have always made use of Paypal 's services through a web browser without the need for a phone number, nor do I have any desire to provide XXXX to this company. Yet now they are forcibly and illegally violating my rights and the rights of \" hundreds of customers '' ( in its own representative supervisor 's words ) by blocking access to their customer 's accounts unless a phone number is entered. In addition, knowing that this is illegal, they are lying about this when being asked by their customers. \n\nWithout the means to access to my account, I am blocked from everything including online customer support. The only recourse Paypal left to me was the XXXX hidden on their website, through which I contacted them. \n\nMy first call and second calls were disconnected halfway after an automated answering service picked up, before I could even talk to an agent. On my XXXX call, the very first thing the automated service demanded is \" the last XXXX digits of your social security number ''. I want to make it clear that I have never provided my social security number to Paypal, and due to security and privacy concerns, wished to provide this to them EVEN LESS than my phone number. However, just like the \" add phone number '' page was illegally blocking total access to my account, this \" XXXX digit SS # '' demand by the answering system was illegally blocking total access to customer service. It is literally the first thing that the automated system demanded when the call finally went through, and I was offered no option to bypass or speak with a representative. Since the XXXX number was the last and ONLY option left to me to even contact Paypal after my access to my account was blocked by the \" add phone number '' page, I was forced to capitulate and provide the last XXXX digits of my SS #. Then and only then was I asked for other information to identify my account, including the last XXXX digits of a credit card that I had used or is using with Paypal on my account. \n\nAfter providing both my bank account and credit card number that I had on file with Paypal, I was abruptly forwarded to a representative, \" XXXX ''. When I explained that I was blocked from accessing my account by the \" add phone number '' page, and very clearly stated that I do NOT wish to give Paypal my number, she tried to stonewall me by saying, there is nothing she can do to remove the page block because \" that's the system ''. When I stated that without access to my account, I can not do anything, not even close the account, she tells me that she can close the account for me over the phone. I reiterated I would need to manage my account first to arrange payments before I can close it, she finally said she'll check my account and see if there's anything else she can do, then mentions that there is a \" security check '' placed on my account. She informs me that I need to answer some questions with \" publicly available information '' to bypass it. Due to past experience, the ambiguous wording of her \" security check '' misled me to think that she was asking the questions to verify that my caller identity as the actual account holder. Naturally I raised the question of why the previously provided bank account and credit card numbers were not enough to identify me as the account holder, and she merely brushed the question aside by stating that's how the system is setup and I would need to answer the questions or there is no other way. When I pointed out the security risk and sheer inanity of using \" publicly avaiable information '' as a way of verifying account holder identity, she again used \" the system '' excuse and reiterated she will not provide an alternative. Thus I was misled into thinking that I needed to answer these questions in order for her to check my account and be able to provide service to me at all. Thinking I had no choice, and under the false impression that I was merely verifying my identity as the account holder, I again was forced to capitulate and proceed with the questions. She the started to ask me a series of questions, though really it was all along the lines of \" which of the following information is associated with you ''? Each time I was given a group of answers and asked to choose the one, if any that had any association with me. The first and second group consisted of street addresses, then there was a question of a person with a name I didn't recognize, and information presumably related to them. After XXXX of these groups, in which over half of the information I did not associate with me, the representative informed me that I had failed the security check and she still could not remove the phone number requirement for my account. \n\nWhen it was obvious I wasn't going to give up easily, \" XXXX '' stated she will forward me to a supervisor who might be able to help me with this. After more waiting, I was forwarded to a supervisor who provided his name as \" XXXX '', ID # : XXXX. It was obvious I wasn't the first person who had called in about this issue, and he was used to dealing with it. Immediately and without my prompting, he stated that he was aware I was calling about my inability to access my account without providing a phone number and \" yes, I know this is a discrimination against handicapped people and against people who can not afford phones ''. And indeed, Paypal 's practice of forcing phone numbers and blocking account access was also violating the rights of said people, in addition to my privacy violation. It's clear someone else already informed him of those things, and he and Paypal is well aware of the violations, yet is purposefully carrying on with the practice. When I informed him of the additional privacy violation, he immediately agrees to that as well, and then proceeded with lying straight to my face, by telling me that the \" add phone number '' page blocking account access is actually a \" technical error '' that they \" don't know how it happened ''. He admits that it's \" been going on for months '' ( consistent with my personal experiences ), and when I questioned why it took months to fix a simple \" error '', he perpetuates the bald-faced, flimsy lie by stating \" Do you know how many customers we have? We have XXXX  of customers, it will take a long time to fix this ''. I was temporarily speechless, stunned into silence while deliberating which I should point out first : his sheer lack of intelligence that made him think that I would believe such a poor lie, or his sheer lack of respect in repeatedly, flat out lying to my face. He wants me to believe that Paypal unintentionally removed the \" skip '' button on the \" add phone number '' page that forcibly blocks customers ' access to their accounts and it would took literal \" months '' and they still haven't fixed it for everyone affected because Paypal has \" XXXX  of customers ''? Never mind the fact that it takes a mere second to add or remove XXXX line of code, all of this is in direct contradiction to what \" XXXX '' the representative before him just stated to me. Before I could do either however, he attempts to mollify me by saying that because I have now contacted them about this, he will now \" elevate my account to the front of the line with the technical team '', so the issue should be fixed for me within \" XXXX hours ''. When I verified with him that this means I would be able to access my account without providing a phone number after XXXX hours, he then changed tune and said, \" well XXXX hours *at least*, give it a week. '' Then he told me to call them again if it's not fixed. \n\nIt has now been well over a month since that phone call. I have checked after XXXX hours, after a week, after XXXX weeks, and today. Nothing has changed. The same \" add your phone number '' page still pops up in the exact same place after verifying my login credentials, and there is still no way to bypass it without entering a phone number that they will accept. I should state that I have actually tried to enter a phone number, the same phone number that I called Paypal with that day, which was my secondary phone number when I didn't wish to give out my primary, and Paypal 's system will not accept it. I informed the representative \" XXXX '' about it at the time, and her only response was a mere \" mmmmh ''. \n\nBefore I ended the call with supervisor \" XXXX '' that day, after he promised the \" XXXX hours '' resolution to the \" add phone number '' issue, I had also raised the issue with the phishing questions that were asked to me by the previous representative. At the time I had still believed that the questions were meant to confirm my identity as the account holder, and so I only pointed out the illogical and dangerous problem with using \" publicly available information '' to confirm account holder identities. I asked why it wasn't enough that Paypal already had my bank account and credit card numbers and that I had already provided those when the system wanted them to verify my account holder status. And like \" XXXX '', \" XXXX '' obfuscated the issue and did nothing to clarify the misconception -- -that none of the information used in the so called \" security check '' questions were really needed or used for verifying my account holder status, and he ultimately did nothing to clarify their true purpose to the customer. It was only after the call, I belatedly realized how deeply suspicious and illegal these questions were, that it was all a phishing scheme to pinpoint my personal identity, far beyond what I had already provided to Paypal and beyond what was necessary to provide their services, with information that I never provided and could not even be reliably attributed to me. I do not know the true illicit purpose of these privacy violating phishing schemes and information extortions that Paypal has going on, but I do know that it is deeply illegal and I am very angry. \n\n\nSummary of Violations I am writing to report the egregious violations by the company providing the virtual wallet payment service known as Paypal, primarily consisting of XXXX issues : XXXX. Illegally extorting and extracting personal information and violating privacy rights and financial rights by blocking customers ' access to their accounts unless a phone number is given to Paypal. \n\nXXXX. Denying any access to even reach a customer sesrvice representative or contact the company about account issues unless the last XXXX digits of their Social Security number is provided. \n\nXXXX. Using misinformation and outright deception to get the customer to answer phishing questions regarding personally identifying information that XXXX or XXXX not be theirs, and misrepresenting this as a means to \" pass security check '' to allow access to their accounts. The personal information used in the questions was never willingly provided by the customer, and likely obtained through the aforementioned Social Security number and background checks. It is information that they can not even be sure is accurately associated with the customer they are asking, hence the phishing. By their own words, they are using \" publicly available information '' in the questions. The exact purpose of these questions was never accurately explained to me by Paypal 's customer service representatives, instead they simply used vague and misleading words like \" to pass the security check '' and states that this is the only way to return access to my account without obtaining my phone number. Meanwhile, the entire time I thought the rep was asking the questions to verify that I was the account holder. Even though I repeatedly pointed out the sheer illogic and security risk of using \" publicly available information '' to verify if a caller was the account holder, especially since the information in said questions was never provided to Paypal as the customer in the first place, all the representatives merely continued to stonewall and offer no reasonable explanation or alternative. \n\n\n# # Note to CFPB # # Please do NOT provide the phone number I have given CFPB to Paypal as it is my primary phone number and would defeat the entire original purpose of this complaint.","date_sent_to_company":"2023-09-19T04:23:10.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"222XX","tags":null,"has_narrative":true,"complaint_id":"7565293","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2023-09-19T03:53:16.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["At the time I had still believed that the questions were meant to <em>confirm</em> my <em>identity</em> as the account holder, and so I only pointed out the illogical and dangerous problem with using \" publicly available information '' to <em>confirm</em> account holder <em>identities</em>. I asked why it wasn't enough that Paypal already had my bank account and credit card numbers and that I had already provided those when the <em>system</em> wanted them to verify my account holder status."],"issue":["Managing, opening, or closing <em>your</em> mobile wallet account"]},"sort":[13.5487,"7565293"]},{"_index":"complaint-public-v1","_id":"12766720","_score":13.204049,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally file another complaint against XXXX XXXX regarding a series of ongoing issues with their customer service, account management, and failure to provide accurate and consistent documentation, particularly in relation to my credit card account. Despite my numerous attempts to resolve these issues, XXXX XXXX refuses to acknowledge liability in maintaining accurate consumer information, timely access to accounts or policies that affect those with XXXX. \n\nAccount Access and Identity Verification Issues Throughout XXXX, I experienced consistent difficulties accessing my XXXX XXXX account online, despite verifying critical pieces of identity such as my social security number and birthdate. I was repeatedly directed to call their call center, where I provided detailed personal information to verify my identity, including old street names and previous trade accounts. However, each time I called, representatives were unable to confirm my identity, and I was refused access to my account. I was also unable to provide my account number, as I did not have physical access to the credit card, and XXXX XXXX refused to provide an alternate means of verification.. \n\nAs a XXXX individual, I was unable to visit the nearest branch to attempt to resolve this issue in person. This lack of reasonable accommodations for XXXX individuals is unacceptable and highlights a failure in XXXX XXXX system to be accessible to all customers. Furthermore, in-branch XXXX XXXX employees have claimed that they have limited access to many features that the national/international call center has, so there are serious doubts to any resolution that could happen given XXXX XXXX 's perpetual XXXX XXXX \" pass responsibility '' to whomever a customer contacts. This is a consistent pattern for XXXX XXXX, identified with nearly XXXX decades of banking with the institution. \n\nOnline Banking Access According to XXXX XXXX response, Based on your shared concerns, we have reviewed your online banking activity from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, there were unsuccessful attempts to access the online banking, our records show that we did not block the online banking or prevent you from accessing the online banking channel and we were able to verify that only a password reset was needed which is able to be completed online as well using the email attached to the online banking account. We can confirm that once the password reset was completed, there were no restrictions that would have prevented you from accessing your account online. \n\nThis is simply not accurate. I was never able to access online banking due to restrictions and the system would not allow me to reset my password via its automated system. Numerous calls were made to resolve this, but the representative told me it would be impossible to send to reset without identity verification into account, despite my XXXX email address attached to the account being both accessible and the same since XXXX. I also told a member of XXXX XXXX Executive Department, tasked to address CFRB complaints, that I continued to have no access into online banking in order to view final statements. She prompted me to try again, which I did while she was on the line, and could not gain access. She could not provide access and claimed I had to escalate the issue to IT as it could be an internal system issue. I have no faith at this point that XXXX XXXX has any true desire to fix this online banking access issues which is undoubtedly affecting others. \n\nCredit Card XXXX and Collections Started Despite being a customer who had consistently paid my credit card on time for over 10 years, my credit card account was closed in XX/XX/XXXX, and collections were initiated. This situation damaged my credit, as my account was reported as being XXXX days late to the credit bureaus, resulting in a significant drop of over XXXX points in my credit score. This is in stark contrast to my previous payment history, which had always been timely and responsible. \n\nInconsistent Account Resolution and Failure to Provide Written Confirmation In XX/XX/XXXX, I contacted XXXX XXXX collections to settle my credit card debt after receiving a settlement offer for 60 % of the total owed. Surprisingly, after multiple attempts, XXXX XXXX representatives were able to verify my identity and process the payment within minutes, a stark contrast to the earlier challenges I faced with identity verification. \n\nHowever, the final representative I spoke with assured me that the debt would be \" settled for less than the full balance '' and that the account would be fully closed and reported as such on my credit report. Despite this verbal assurance, I have not received any written confirmation of the settlement, and as of XX/XX/XXXX, my credit report still shows a remaining balance of {$240.00} on the account well into XXXX, resulting in a decline of an loan due to the incorrect reporting. \nXXXX and XXXX Failure to Resolve Previous CFPB Complaints I previously submitted a complaint to XXXX XXXX through the CFPB XXXX these issues, and while I received a response from their executive services bureau, the matter remains unresolved. I was informed that a representative would call me back to address my concerns, yet they missed the first appointment to do so and follow up with Executive Department employees was spotty. XXXX XXXX failure to address these issues in a timely and satisfactory manner has caused ongoing frustration and significant financial harm. \n\nInconsistent and Invalid Documentation Further complicating this matter, XXXX XXXX response to my previous CFPB complaint included proof of address that was inconsistent, invalid, and incorrect. This lack of accurate documentation has only compounded the difficulties I have faced in resolving my account issues. \nThere are significant discrepancies in XXXX XXXX response to my previous complaints filed through the Consumer Financial Protection Bureau ( CFPB ). Specifically, the documentation provided by XXXX XXXX in response to complaints XXXX and XXXX, including credit card statements and debt collection letters, consistently contained errors in the address format, which not only misrepresented my address but also listed addresses that do not exist. \nXXXX XXXX indicated in XX/XX/XXXX : We confirmed you were previously notified that your account was past due and that payment was needed to bring your account current, we also provided multiple options to make payment to the account such as mailing in a payment, calling us, completing the payment online, or stepping into a branch on the enclosed letters which were mailed to you. \nThe proof of address provided by XXXX XXXX in these responses was repeatedly in an incorrect format, failing to meet XXXX XXXX ( Coding Accuracy Support System ) compliance, which ensures proper addressing for efficient mail delivery. This non-compliance is critical because it directly impacts the validity and accuracy of the documents being submitted as proof of address. The addresses listed in the statements and debt collection letters did not match the correct format for standard postal delivery, which further calls into question the legitimacy of XXXX XXXX documentation. \nMoreover, the addresses shown on the credit card statements and collection letters from XXXX XXXX were not even real, existing addresses. This raises serious concerns about the accuracy and authenticity of the documentation being provided. Since XXXX XXXX relies on these documents as \" proof of address '' in resolving complaints, the inclusion of incorrect and non-existent addresses undermines the credibility of their response and demonstrates a lack of attention to detail. This not only affects the integrity of my credit history but also suggests an ongoing failure by XXXX XXXX to handle customer information in a responsible and compliant manner. \nThese address discrepancies are more than just clerical errors ; they complicate efforts to resolve my complaint and further delay a fair resolution. Given the critical role that proper address documentation plays in verifying customer identities and processing complaints, XXXX XXXX failure to provide accurate and compliant records has hindered my ability to resolve this matter satisfactorily. \n\nAttached to this complaint is evidence of these address inconsistencies, provided by XXXX XXXX as supposed proof that the bank had no liability or responsibility to correct this issue. Only XXXX XXXX correspondence on XX/XX/XXXX ( after the account was closed ) reflected the correct, CASS-compfaint and deliverable address.","date_sent_to_company":"2025-04-01T19:04:24.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95521","tags":null,"has_narrative":true,"complaint_id":"12766720","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-01T19:03:57.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["We can <em>confirm</em> that once the password reset was completed, there were no restrictions that would have prevented you from accessing <em>your</em> account online. \n\nThis is simply not accurate. I was never able to access online banking due to restrictions and the <em>system</em> would not allow me to reset my password via its automated <em>system</em>."],"sub_issue":["Their investigation did not fix an error on <em>your</em> report"]},"sort":[13.204049,"12766720"]},{"_index":"complaint-public-v1","_id":"3920966","_score":12.84683,"_source":{"product":"Debt collection","complaint_what_happened":"Dear CFPB, Please find my complaint against PennyMac ( a fake Servicer of non-existing \" loan '' ) and their Master, XXXX  XXXX XXXX, member of Federal Reserve, who operates a massive scam with so-called \" mortgage backed securities '' - aka derivatives based on my stolen identity and information about my loan which are issued by Federal Reserve and its subsidiaries, XXXX XXXX XXXX and XXXX XXXX XXXX, who are the actual issuers of all non-mortgage backed and other fictitious securities. \n\nPennyMac is a group of low capitalized criminals from Countyrwide Finacial who were renamed as \" PennyMac Financial \" by XXXX XXXX XXXX, a fictitious \" buyer '' of non-existing \" default debt '' from Fannie Mae ( whose President Mr. XXXX XXXX XXXX is a founder of XXXX, XXXX ) and other XXXX  who never owned this \" debt '' to sell it to anyone. \n\nAnother part of XXXX XXXX,  XXXX, is now acting as XXXX XXXX XXXX, XXXX and serves the same purpose pretend to be \" lenders '' ( without money ) and \" servicers '' of non-existing accounts which are not on any Company 's ledger. \n\nNeither XXXX or XXXX never lend any money to any homeowner ; and never serviced any \" Trusts '' -for two reasons. First, here are no Trusts for them to service ( all so-called \" securities '' are issued by Federal Reserve member, XXXX XXXX XXXX and its branch, XXXX XXXX XXXX  via Federal REserve book-entry system on Street 's name. See XXXX XXXX Prospectus ; and XXXX bogus \" settlements '' -which are ALL done via book-entry system operated by Federal Reserve and DTC. \n\nSecond, nobody needs XXXX or XXXX 's \" services ''. Everything is done by other parties - Transcentra/Regulus ; XXXX XXXX XXXX XXXX ( XXXX ) and XXXX, XXXX ( XXXX ) who are the actual servicers of information about loans sold to investors as derivatives issued on street name via Federal Reserve book entry system, as defined in XXXX XXXX ' prospectus. \n\nThis \" securitization '' scam is a fiction from the beginning. The Elephant in the Room is Federal Reserve, a self-regulated private corporation owned by eight families who own America.The families are : the XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ; the XXXXXXXX XXXX XXXXXXXX XXXX  XXXX ; the XXXX XXXX XXXX ; the XXXX XXXX  XXXX ; and the XXXX XXXX XXXXXXXX XXXX  XXXX. \n\nSo, no surprise that when XXXX XXXX recently looted XXXX from over {$16.00} billion, American Government did NOTHING to stop them.\n\nBig Banks are all members of Federal Reserve and so-called \" loans ''\n\nare coming from common operating pools held by Big Banks and not related to any investors. GSEs are acting as cover up with \" guarantees '' on non-existing loan accounts ; have no idea to whom they \" guarantee '' payments ; and only have information about so-called loans provided to them by Big\nBanks via XXXX  which is operated by XXXX XXXX, XXXX XXXX XXXX. \n\nEverything in XXXX XXXX 's Prospectus is in Future Tense : XXXX, SHALL, XXXX - IF a condition precedent would happen. In other words, XXXX  XXXX purchase loans - IF here is someone who can sell them. But here is NO ONE who can sell \" loans '' to GSE to guarantee. If here are no loans, here are no guarantees. \n\nFederal Reserve created a scheme where so-called \" securities '' are \" issued '' in the book-entry system on street name by its member, XXXX XXXX XXXX, the biggest clearing house in the World with more than {$1.00} Quardillion of transactions. \n\nALL securities are placed with the only one beneficiary - XXXX  'XXXX  branch XXXX XXXX XXXX who is the sole beneficiary. \n\nHere are NO Trusts, no Trustees, no guarantees and no servicers. Everything PennyMac tells in their responses is a lie to cover for the real parties - Federal Reserve and its members Investment Banks - who pay PennyMac small fees to pose as \" Lenders '' and \" servicers '' of non-existing loan accounts.\n\nInvestors ( mostly Pension Funds ) buy derivatives offered by Big Banks, issued by XXXX  on Street name. \n\nNobody buy or sell any loans because these \" loans '' were one-time payments to potential borrowers who were drafted in Big Banks Ponzi scheme as original issuers of security called \" Promissory Note '' - which was converted into an image ; placed into XXXX XXXX/XXXX  document depository ; assigned to XXXX XXXX XXXX  as an owner - and sold to investors as a derivative to some non-existing \" asset '' owned by XXXX XXXX XXXX. \n\nAll mortgage and escrow payments are pocketed by Big Banks as tax-free revenue. All Property taxes, insurances and so-called \" servicer 's advances '' are paid from operating funds collected from investors money. In other words, Michigan Public Employees Pension Funds who invested {$2.00} XXXX pension money in some shady \" securities '' issued by very shady XXXX XXXX Corporations who refused to disclose its income to SEC, pay 10 % +interest return to themselves from their own money, aka Ponzi Scheme The Government knows about it and keep quiet because Federal Reserve ( which is not Federal and not a Reserve ) and its members Big Banks own the Government and everything else in America . \n\nPennyMac lie about their \" Issuer '' status as well as about their \" ownership ''. The Issuer and owner of DATA about \" loans '' is Federal Reserve and their members, DTC and XXXX XXXX XXXX. \n\nXXXX XXXX 's Prospectus states as following : The Government National Mortgage Association Guaranteed XXXX XXXX XXXX XXXX, which will be sold from time to time in one or more series represent undivided ownership interests in Series Trust Funds ( each, a Series Trust Fund ) established from time to time.\n\nThe key word \" WILL be '' sold and represent ownership \" established from time to time ''.\n\nIn other words, PennyMac can ONLY buy a certificate issued by\nFederal Reserve - but not anybody 's loan which XXXX XXXX never had - and receive an interest payment which is solely based on discretion of XXXX Bank who operates the Scheme. Which according to XXXX XXXX is Federal Reserve Bank of New York.\n\nAccording to Prospectus It is uncertain when payments will be made on your securities. Payment of the outstanding principal amount, including accrued interest, on the securities is guaranteed by XXXX. The timing of any payment of principal and interest, however, is uncertain. \nForms of XXXX XXXX XXXX XXXX ; Book-Entry Procedures Each XXXX XXXX XXXX XXXX initially will be issued and maintained in Book-Entry Form through the book-entry system of the U.S. Federal Reserve Banks ( the XXXX Book-Entry System ) .Each XXXX XXXX XXXX Series initially will be represented by one or more certificates registered in the name of the Federal Reserve Bank of New York ( together with any successor or other depository selected by XXXX XXXX XXXX the Depository ). This Base Offering Circular refers to those whose names appear on the Register as registered holders of the XXXX XXXX XXXX XXXX ( which will include the Depositorys nominee, XXXX XXXX XXXX, and any registered holders of Certificated XXXX XXXX XXXX XXXX ) as Holders of those XXXX XXXX XXXX XXXX. \nThe XXXX Book-Entry System is an electronic facility operated by the U.S. Federal Reserve Banks for maintaining securities accounts and for effecting transfers. The XXXX XXXX system is a real-time, delivery-versus-payment, gross settlement system that allows for the simultaneous transfer of securities against payment. The XXXX Book-Entry System is used to clear, settle and pay not only XXXX XXXX XXXX, but also all U.S. Treasury marketable debt instruments, the majority of book-entry securities issued by other government agencies and government sponsored enterprises and the mortgage backed securities issued by the Fannie Mae or XXXX XXXX. \nXXXX ownership of a XXXX XXXX XXXX XXXX XXXX will be subject to the rules and procedures governing the Depository and its participants as in effect from time to time.\n\nSince Federal Reserve, XXXX and XXXX XXXX XXXX are non-regulated ( self-regulated entities ), here are no rules or procedures governing them, and no one who can control them. I many times contracted CFPB which is an agency chartered with the responsibility to protect me.CFPB always closed my complaints, without ANY investigation.\nAs a result of CFPB 's failure to adequatelyresearchand investigatethe banks, CFPB isallowing and encouraging disinterested parties to enter into the lending business without being subject to law enforcement or regulation intended by both Congress and state legislatures.\nThe perpetrators have deep pockets and take advantage of the expense and time required for litigation.\n\nI am just a poor homeownerwho relieson agencies like CFPB to level the playing field.\n\nAs a direct and proximate result of the above. I am being injured financially, personally, emotionally, mentally and physically -- - having to master subjects that only the most sophisticated investment bankers could ever understand. I am being forcedto deal with highly criminal impersonators - who\npretend that the \" own '' a loan which they never did since the \" loan '' was in fact a payment to me for participating in Big Banks Ponzi Scheme ; and defend claims without merit.\n\nCFPB have received hundreds of thousandsof complaints, emails and announcements and notices revealing the fraudulent nature of nearly all residentialloans. Yet CFPB engage in \" settlements '' that ratify and encourage this criminal behavior.\n\nApparently for purely political reasons CFPB continue to treat the servicers as authorized agents and even settle with them including terms that no serviceis authorized -- - to offer enforceable\nmodification agreements.\n\nApparently for purely political reasons CFPB refuse to acknowledge what nearly everyonenow knows and at least partially understands, to wit : that investment banks have been and continue to tender loan agreements in bad faith throughintermediaries with the goals of not being identified or regulated as a lender and not having the homeowner transaction show upin their reporting.\n\nAs a direct and proximate result of CFPB failure and negligence in enforcementof presently existing laws investment banks have further\ninitiatedmillions of foreclosures for the sole purpose of increasing their profits from false claims of securitization residential loans. ( 1 ) Those loans were never sold or securitized. ( 2 ) All claims of authorization and ownership and rights to enforce derived from apparent securitization are false.\n\nI was lured by false pretenses and lulled into the falseimpression of it being a loan of money with a creditor and loan account that was required to be paid.\n\nThe true nature of the transactionwas that my signature on a note and mortgage was the launchingpoint of a scheme to issue securities whose existence and value was derived on bets about reports on data about my loan and not based upon ownership or collection of payments from my loan.\n\nContrary to the requirements of the Federal Truth in lending Act, there was no disclosure of the participation of the investment bank that was funding the transaction ( usually with borrowed money ) and that was managing the afterbirth which includes administration,\ncollection and enforcement of a nonexistent loan account, nor any clue or disclosure as to the enormous revenuesgenerated from the securitization scheme that depended entirely upon my signature.\n\nThe consideration I received for my participation in the hugely profitable securitization scheme was XXXX becauseI was involuntarily drafted into the securitization scheme by outright lies and deception.There is no company in existence which is carrying my loan account as a receivable or other asset on its balance sheet. There is no loan account. There is no owner of the loan account and hence no creditor who could be financiallyinjured by any announcement of a lack of voluntary or involuntary payment. There is no creditor who is\nmadewhole by foreclosure -- - only an investment bank hiding behind several layers of companies who are all feeding off of the chum of the most important asset in my financialportfolio -- - in which no other company has an actual confirmable financial interest relating to what was promoted as a loan.\n\nThe foreclosure scheme is anotherPonzi scheme that drains each individualhomeowner and our society solely to satisfy greed of investment bankers.\n\nIt is happening because CFPB is not performing its task as assigned by its charter. It will continue to happen until CFPB does its job.\n\nI am in doubt as to my rights because the CFPB insists on proceeding as though the loans and foreclosures are real financial events in the real world while the foreclosures actually result in payment to companies other than the named Plaintiff/claimant/Beneficiary. In essence CFPB is creating precedent which is translated into law. \nBy forcing me and otherhomeowners and Pension Funds ( particularly MI pensioners ) to attempt to defend againstsmoke and mirror claims offered by lawyers hiding behind litigation immunity on behalf of unnamed parties who individually, jointly andseverallyenjoy undisclosed revenues and profits from foreclosures at the expense to any reduction of debt after receipt of voluntary and involuntary payments, I have been forced into the untenable situation in which the strategy of the investment banks is simply to outlast and outspend the homeowner faced with losing their home to a named fake \" servicer '' that will never get legal title nor the proceeds of any sale.\n\nMoreover, Federal Reserve, the real party behind this Ponzi Scheme, purportedly \" buy '' XXXX XXXX securities ( read : adjust XXXX XXXX XXXX XXXX and XXXX 's database with the new information ) - while XXXX continues to lie about their status as \" owner '' ; \" issuer '' and \" servicer '' by merely presenting me falsified \" financial statements '' which were either fabricated by PennyMac or provided to them by XXXX XXXX or XXXX. \n\nI demand CFPB, DOJ, MI XXXX and XXXX to conduct FULL investigation against XXXX ; XXXX ; XXXX XXXX, XXXX, and the Investment Bank ( here XXXX  ) ; ; the name of the \" Seller '' of my loan to XXXX ; compensation {$130000.00} for damaged Title ; treble damages for fraud ; treble damages for racket ; and {$50.00} XXXX for extreme emotional distress.","date_sent_to_company":"2020-10-27T09:03:44.000Z","issue":"Attempts to collect debt not owed","sub_product":"Mortgage debt","zip_code":"490XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3920966","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PENNYMAC LOAN SERVICES, LLC.","date_received":"2020-10-27T07:46:30.000Z","state":"MI","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["According to Prospectus It is uncertain when payments will be made on <em>your</em> <em>securities</em>. Payment of the outstanding principal amount, including accrued interest, on the <em>securities</em> is guaranteed by XXXX. The timing of any payment of principal and interest, however, is uncertain. \nForms of XXXX XXXX XXXX XXXX ; Book-Entry Procedures Each XXXX XXXX XXXX XXXX initially will be issued and maintained in Book-Entry Form <em>through</em> the book-entry <em>system</em> of the U.S."],"sub_issue":["Debt was result of <em>identity</em> theft"]},"sort":[12.84683,"3920966"]},{"_index":"complaint-public-v1","_id":"17147595","_score":12.682296,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing this complaint regarding Coinbases handling of an unauthorized access incident on my account, and their decision to close my case without proper investigation or reimbursement. This complaint, for the record, is being filed in the specified time base set my Coinbase and Coinbase One rules and mandates for reporting. \n\nBetween XX/XX/XXXX and XX/XX/year>, a series of unauthorized transactions occurred in my Coinbase account while I was located in XXXX. These transactions resulted in the loss of approximately {$16000.00} USD worth of cryptocurrency, primarily through conversions to Litecoin ( LTC ) and subsequent transfers to XXXX, a XXXXbased website within origins in the XXXX XXXX or XXXX. XXXX is blocked and inaccessible from XXXX due to the fact that its not legally allowed to operate in XXXX. It can not be accessed on an internet server. I have never accessed XXXX, nor could I have, given that it is restricted by local regulations and network access limitations in the country I was located in when these transactions occurred. \n\nCoinbase sent me an email notifying me of a login from XXXX, WA on XX/XX/XXXX, which I did not authorize. This occurred while I was verifiably in XXXX, where my IP logs and device history confirm I remained from XX/XX/XXXX onward. I have provided Coinbase with this information, along with supporting IP location data, my local police report, and my IC3 ( FBI Internet Crime Complaint Center ) report. They did not acknowledge the unauthorized login attempt from XXXX despite me providing the evidence notification, and reported back to me that, our systems did not detect any suspicious activity I have been a Coinbase customer for approximately five years and have never violated any of Coinbases security or compliance policies. I have never shared my credentials, fallen for phishing schemes, or allowed any third party to access my account. In XX/XX/year>, my phone was stolen and my previous Coinbase account, credentials and identity information was compromised and there was an attempt to steal my assets ; however Coinbase is aware of that prior incident and linked it to my current case with full cooperation, and they worked on securing my account. I created a new account on XX/XX/year>, after that earlier compromise, and I have taken all recommended security precautions since then. \n\nAt the time of some of the unauthorized transactions, I was a subscriber to Coinbase one, which includes Account Protection coverage of up to {$10000.00} for unauthorized access in circumstances directly similar to mine according to their guidelines. I never authorized outgoing transactions and had the Coinbase one coverage active during those days. However, despite my repeated follow-ups and the submission of material evidence, Coinbase closed my case within four days of my initial report, citing that the transactions were consistent with my usual activity. This conclusion is factually incorrect, as my IP logs, physical location, and inability to access the XXXX site all clearly demonstrate that these transactions were unauthorized and beyond my control. They didnt offer to help further and they denied me any reimbursements under their own policies. \n\nCoinbase support acknowledged my reports of unauthorized device activity,, and my proactive steps to re-secure my account ( including re-verifying my identity, reverifying my XXXX, and locking my account ). Despite this, they issued a generic denial email that did not address the substance of my case or the documentation I submitted. I have evidence such as carrier logs and XXXX  logs that clearly state that no messages were delivered to me due the fact that my number is disabled while abroad, therefore I couldnt have authorized those transactions using an XXXX  based XXXX. My carrier logs showing no messages delivered and my location and travel information, will drive home that fact. Whether my device and my coinbase account hijacked by malware or screen mirroring is not clear yet, neither is it clear that identity theft due to when my phone was stolen or previous account compromised was the case for the hack. The bottom line is, I took the necessary steps to secure my current account, my current device, and my assets from the start, and I took a step further by enrolling in Coinbase One as well.\n\nI am requesting that the CFPB facilitate a re-review of my case by Coinbase, ensuring that all evidenceincluding my police and IC3 reports, device and IP location, and the legality of the website ( XXXX ) where this cryptocurrency was sent, and Coinbase One protection terms be properly considered. I have no business with bovada and they are not accessible in XXXX. They are not known to me While I understand that cryptocurrency transactions are inherently irreversible, Coinbases own Account Protection policy covers reimbursement for unauthorized access events where the account holder has not acted negligently or breached security terms. My situation meets these exact conditions. I have always secured my devices when they are on my person and I dont share them with other people. I have exercised every reasonable measure to safeguard my credentials and promptly reported the unauthorized activity within the 45 day timeline of their own protection umbrella so that these didnt go unnoticed.\n\nI am seeking a reversal of Coinbases denial decision and a reimbursement of the lost funds ( full or partial ) in accordance with their protection policies for verified unauthorized access. I have evidence of being a member of 5 years as well as enrollment in their very own account protection plans marketed to me by Coinbase. I took the security steps that they mandated and also filed police and Ic3 reports for compliance and security. I have attached the numbers for them in this case description, and I have attached the Coinbase case numbers as well so that any communication between the CFPB and them promptly lead to my case when looked up.\n\nThank you for your attention to this matter. I am confident that a thorough, compliance-level review will confirm that this was a legitimate case of unauthorized account compromise that warrants reimbursement under Coinbases own policies and consumer protection standards.","date_sent_to_company":"2025-11-10T15:05:51.000Z","issue":"Other transaction problem","sub_product":"Virtual currency","zip_code":"33130","tags":null,"has_narrative":true,"complaint_id":"17147595","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2025-11-10T14:54:33.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I took the <em>security</em> steps that they mandated and also filed police and Ic3 reports for compliance and <em>security</em>. I have attached the numbers for them in this case description, and I have attached the Coinbase case numbers as well so that any communication between the CFPB and them promptly lead to my case when looked up.\n\nThank you for <em>your</em> attention to this matter."]},"sort":[12.682296,"17147595"]},{"_index":"complaint-public-v1","_id":"22355283","_score":12.398434,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"My letter to XXXX escalating my XXXX XXXX in the total of {$29000.00} equivalent of XXXX at the time of virtual robbery on XXXX XXXX XXXX. All fraudulent communications were received from XXXX domains and emails that passed all XXXX verification. The following letter to XXXX maps out the sophisticated fraudulent scam in chronological order and includes evidence of direct communication, all sent from the XXXX domain. The evidence and forensic fingerprinting below conclude one of two circumstances, both proving negligence on XXXX 's part : A. Either the phishing emails originated from a compromised Kraken support mailbox/relay ( genuine XXXX signing, but outside the XXXX XXXX XXXX XXXX ; or B. Attackers used insider-leaked PII to craft a credible vishing/phishing sequence from the inside. \n\nKraken has failed to respond adequately. Only receiving boilerplate responses denying any responsibility for the following sequence : To Kraken Legal, Compliance, and Executive Security Leadership, I am writing to formally escalate Ticket # XXXX beyond the tier-one support team that issued your XXXX XXXX XXXX response and to place Kraken on explicit pre-litigation notice. The boilerplate reply I received directing me to file a police report and citing the irreversibility of cryptocurrency transactions reflects a fundamental failure to review the specific facts of this case. Those facts distinguish this incident categorically from a standard third-party phishing scam and implicate Kraken 's own authenticated infrastructure in the loss of {$29000.00} in XXXX. I require a response from Kraken 's Legal, Compliance, or Executive Security leadership within five ( 5 ) business days. \n\nSince my initial review of this incident, I have conducted additional forensic examination of the email evidence using XXXXXXXX XXXX native web interface, and I have identified a critical authentication anomaly that I believe Kraken 's own security team will recognize as significant. That finding is detailed in Section IV below and materially strengthens the case that Kraken 's own sending infrastructure or that of an authorized third-party vendor was the instrument of this fraud. \n\nI. THE FACTS THAT MAKE THIS CASE UNIQUE On the evening of Sunday, XXXX XXXX XXXX, I received a coordinated series of communications that I will detail below. Every Kraken-branded communication in this sequence originated from XXXX domain, aligning with Kraken 's own official support page ( XXXX, Is this email from Kraken? ) as legitimate, secure senders XXXX, the first on the Secure Email list. I have verified this not merely by visual inspection of display names, but by examining the full email headers of every message received. The XXXX, XXXX, and XXXX authentication records on each email passed verification. These were not display-name spoofs. These were not lookalike domains. These emails were cryptographically authenticated as originating from infrastructure that Kraken 's own DNS records authorize. \n\nThe sequence of authenticated communications was as follows : At XXXXXXXX XXXX, I received an email XXXX the subject line \" Secure Portal, '' containing a professionally designed Kraken-branded template identifying employee XXXX XXXX XXXX Case ID XXXX, and instructing me that I was \" on a secure line with a Kraken representative '' and that my assets were \" at-risk. '' At XXXXXXXX XXXX and XXXX XXXX additional \" Employee Verification '' emails arrived XXXX, identifying employees XXXX XXXX ( Case ID XXXX ) and XXXX XXXX ( Case ID XXXX ), each bearing Kraken 's official logo XXXX the address \" XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX '' and links to Kraken 's Legal Disclosures and Privacy Notice. \n\nAt XXXXXXXX XXXX an email arrived XXXX a domain listed explicitly on Kraken 's official support page as a secure, verified sender with the subject \" Action Required : Confirm Your Secret Recovery Phrase. '' This email was formatted in Kraken 's branded template, carried the Kraken Security Team signature, and presented a 12-word Secret Recovery Phrase. I was instructed to use this phrase to set up a Kraken Wallet for account security escalation purposes. Critically, Kraken 's own footer on this email stated : \" Kraken will never ask for your password or XXXX codes via email '' language designed to convey authenticity while the email itself was directing me toward a wallet setup that would prove to be the instrument of the theft. \n\nAt XXXX XXXX I received an automated confirmation XXXX the same authenticated sender with the subject \" You added a withdrawal address to Kraken, '' confirming that the \" [ Customer ] Kraken Wallet '' had been added as a withdrawal destination from my Kraken Exchange account. The email displayed my Connecticut IP address ( XXXX ) and location, consistent with my own device activity. \n\nAt XXXX XXXX, a second authenticated email XXXX \" XXXX withdrawal initiated, '' again displaying my Connecticut IP address and confirming that funds had been sent to \" [ Customer ] Kraken Wallet. '' II. THE TRANSFER OCCURRED BETWEEN TWO LEGITIMATE KRAKEN PRODUCTS This is not a case in which I sent funds to an unknown third-party address or an external wallet of unclear provenance. I transferred XXXX from my Kraken Exchange account to a Kraken Wallet the self-custody wallet application bearing Kraken 's branding, distributed through official app stores, and built and maintained by Kraken. The Kraken Wallet application itself displays a confirmed incoming transaction record showing the receipt of {$29000.00} in XXXX from my Kraken Exchange account. The balance subsequently went to zero, indicating that the funds were swept by whoever held the seed phrase for that wallet a seed phrase that was delivered to me via an XXXX address. \n\nThe entire fraudulent pathway from the initial contact, to the employee verification, to the recovery phrase delivery, to the withdrawal address addition, to the transfer confirmation ran through Kraken 's own listed authenticated email domains and Kraken 's own wallet product. There is a documented, on-chain transaction record showing XXXX moving from one Kraken product to another. This is not a case where a bad actor impersonated Kraken from the outside. This is a case where Kraken 's own authenticated sending infrastructure was the instrument of fraud. \n\nIII. THE XXXX INFRASTRUCTURE ATTACK THAT PRECEDED THE KRAKEN CONTACT The attack began with a coordinated compromise of my XXXX account. At XXXX XXXX on XX/XX/XXXX, I received authentic XXXX security alerts XXXX XXXX notifying me that a recovery email had been set up for a linked XXXX account XXXX XXXX ) using my address as the recovery destination. My XXXX Activity logs confirm that two unfamiliar devices accessed my XXXX account on XX/XX/XXXX at XXXX XXXX and XXXX XXXX prior to the Kraken contact sequence. My XXXX was subsequently locked by XXXXXXXX XXXX  security systems due to suspicious activity. This XXXX compromise was not incidental. It was the entry point that provided the attackers with the intelligence my Kraken account existence, my email address, my identity necessary to execute the second stage of the attack with the credibility and precision that followed. \n\nIV. CRITICAL FORENSIC FINDING : XXXX VERIFICATION FAILURE ON THE FRAUDULENT EMAILS Upon examination of these emails using XXXX 's native web interface the email environment that Kraken 's own support documentation references when instructing customers to verify the legitimacy of Kraken communications I have identified a critical authentication anomaly that materially distinguishes the fraudulent emails from Kraken 's legitimate transactional emails. \n\nKraken 's own published guidance instructs customers to identify legitimate Kraken emails by looking for the XXXXverified blue checkmark beside the sender name in XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the highest tier of email sender verification available, requiring XXXX enforcement at quarantine or reject policy plus a Verified XXXX XXXX that Kraken has registered with email providers including XXXX. XXXX can not be spoofed or replicated by a third-party attacker ; the checkmark only appears when an email is sent through Kraken 's specifically registered, BIMI-authorized sending infrastructure.\n\nMy examination of the emails received during this incident reveals the following pattern, which I believe Kraken 's security team will recognize as forensically significant : The legitimate transactional emails XXXX specifically the \" Withdrawal address added '' notification at XXXX XXXX  and the \" XXXX withdrawal initiated '' notification at XXXXXXXX XXXX  display the XXXXverified Kraken checkmark XXXX XXXX. These emails were generated by my own ( compromised ) Kraken Exchange account taking real actions, and they were sent through Kraken 's XXXXverified sending infrastructure. Their authenticity is consistent with Kraken 's published guidance. \n\nThe fraudulent emails XXXX including the \" Secure Portal '' email at XXXX XXXX and the \" Employee Verification '' emails at XXXX XXXX XXXX XXXX and XXXX XXXX do not display the XXXX checkmark in XXXX. They passed XXXX, XXXX, and XXXX authentication, but they did not pass XXXX XXXX. \n\nThe fraudulent recovery phrase email XXXX XXXX XXXX the email that delivered the 12-word Secret Recovery Phrase used to compromise the destination wallet does not display the BIMI-verified checkmark XXXX despite originating from the exactly same domain as the legitimate transactional emails that do. \n\nThis discrepancy is not consistent with ordinary external phishing. An external attacker spoofing Kraken 's domain would either fail XXXX outright, or if exceptionally sophisticated pass them all uniformly. They would not produce emails that selectively pass XXXX but fail XXXX within the same domain. That selective failure pattern is consistent with one of two scenarios, both of which implicate Kraken 's own infrastructure or its authorized vendor relationships : First, that the fraudulent emails were sent through a third-party email service provider that Kraken has authorized in its XXXX records for XXXX purposes, but whose sending infrastructure is not covered by Kraken 's XXXX Verified Mark Certificate registration. If that vendor 's systems were compromised, the attacker would be able to send emails passing XXXX under Kraken 's domains but unable to trigger XXXX verification exactly the pattern observed. \n\nSecond, that the fraudulent emails were sent through Kraken-internal tooling that is authorized to send under Kraken 's domains but is not routed through Kraken 's XXXXcovered production sending infrastructure for example, an internal support tool, a helpdesk integration, or an administrative sending channel accessible to insider personnel. \n\nI note for the record that Kraken publicly disclosed in XXXX XXXX two separate insider incidents in which support employees were recruited by criminal networks to access customer data. The timing and methodology of those disclosures are directly relevant and to the second scenario described above. \n\nI am not, at this time, asserting which of these two scenarios produced the fraudulent emails. I am asserting that the XXXX verification failure conclusively rules out the explanation of \" ordinary third-party phishing '' and forensically narrows the source of these emails to infrastructure that Kraken either controls or has authorized. Kraken is the only party in possession of the records necessary to determine which. \n\nV. THE MATERIAL IMPLICATIONS OF KRAKEN 'S OWN PUBLISHED GUIDANCE Kraken 's support documentation specifically directs customers to use the XXXX checkmark as the verification standard for legitimate Kraken emails. I followed this guidance only after the loss occurred, and the XXXX failure pattern was decisive in confirming that I had been defrauded through compromised authorized infrastructure rather than ordinary phishing. However, Kraken 's published guidance does not adequately disclose to customers that emails can pass XXXX, XXXX, and XXXX and therefore appear authenticated in most email clients including the Spark client I was using at the time of the incident while still failing XXXX XXXX. The fraudulent emails I received were rendered as authenticated and trustworthy in my email client. The XXXX checkmark is only visible in specific email environments, and its absence is not flagged as a warning to the user. \n\nThis legal implication is significant. Kraken instructed customers to rely on a verification standard ( BIMI ) without adequately warning that emails sent from Kraken 's own listed sender domains could appear fully authenticated to users while still failing that standard. That gap in disclosure, combined with the fact that the fraudulent emails originated from infrastructure Kraken authorized, is the foundation of a material consumer-protection claim under the Connecticut Unfair Trade Practices Act.\n\nVI. LEGAL NOTICE I have filed a complaint with the FBI Internet Crime Complaint Center ( IC3 Submission ID : XXXX, filed XXXX XXXX XXXX ). I have reported this incident to local Connecticut law enforcement. I am actively seeking legal counsel and am evaluating claims under the Connecticut Unfair Trade Practices Act ( CUTPA ), Conn. Gen. Stat . 42-110a et seq., including potential per se violations tied to Connecticut 's data breach statute, 36a-701b ( j ). I am also evaluating claims for negligence, breach of contract, negligence per se based on Kraken 's obligations under its money transmitter license obligations and applicable cybersecurity standards, and breach of express and implied warranties of security tied to Kraken 's published guidance regarding email authentication. I will be filing complaints with the Connecticut Department of Banking, the Connecticut Attorney General 's Consumer Protection Unit, and FinCEN. \n\nI am not prepared to accept Kraken 's characterization of this incident as a standard third-party phishing loss. The authenticated email trail, the on-chain transaction record between two Kraken products XXXX the XXXX verification failure isolating the fraudulent emails to Kraken-authorized but XXXX-unverified infrastructure, and the circumstances of Kraken 's own recent insider security disclosures collectively raise serious questions about the integrity of Kraken 's sending infrastructure that deserve a thorough, good-faith internal investigation not a boilerplate response. \n\nI am requesting the following from Kraken within five ( 5 ) business days : First, written acknowledgment that this escalation has been received by Krakens Legal, Compliance, and/or Executive Security team not tier-one support. \n\nSecond, identification of the specific sending infrastructure, including any third-party email service provider, used to transmit XXXX I received on XXXX XXXX XXXX If those emails were transmitted through Kraken 's own production mail servers, please confirm. If they were transmitted through a third-party vendor, please identify the vendor and confirm whether that vendor 's XXXX Verified Mark Certificate registration is current. \n\nThird, identification of the specific sending infrastructure used to transmit XXXX '' Confirm Your Secret Recovery Phrase '' email I received at XXXX XXXX  on XXXX XXXX XXXX, and an explanation of why this email failed XXXX XXXX while the legitimate XXXX received later that evening passed XXXX XXXX. \n\nFourth, confirmation of whether any anomalous activity, unauthorized access, or vendor compromise was detected in any of Kraken 's authorized sending infrastructure internal or third-party on or around XXXX XXXX XXXX \n\nFifth, confirmation of whether any internal investigation has been opened in connection with this ticket, and whether the facts described in this letter have been escalated to Kraken 's security incident response team. \n\nSixth, Kraken 's position on remediation or restitution, given the totality of the facts described above. \n\nI wish to resolve this matter directly with Kraken before further legal proceedings are initiated. I am not approaching this with hostility I am approaching this as a customer who intentionally selected Kraken as my XXXX XXXX of choice due to its reputation as the most secure US-Based Exchange, yet find myself defrauded through what the forensic evidence indicates was a failure of Krakens own authenticated sending infrastructure or its authorized vendor relationships. \n\nI have preserved all relevant evidence, including full email headers, screenshots from XXXX 's native interface, the IC3 complaint confirmation, Kraken Wallet transaction records, and XXXX account activity logs documenting the unauthorized device access that preceded the Kraken contact sequence. I am prepared to share this evidence with Kraken 's Legal, Compliance, or Executive Security team upon receipt of confirmation that this matter has been appropriately escalated. \n\n- Sincerely, [ Customer Name and Address Removed as per the CFBP submission guidelines ]","date_sent_to_company":"2026-05-19T18:43:19.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"06095","tags":null,"has_narrative":true,"complaint_id":"22355283","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Payward Ventures Inc. dba Kraken","date_received":"2026-05-19T18:08:47.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["At XXXX XXXX on XX/XX/XXXX, I received authentic XXXX <em>security</em> alerts XXXX XXXX notifying me that a recovery email had been set up for a linked XXXX account XXXX XXXX ) using my address as the recovery destination. My XXXX Activity logs <em>confirm</em> that two unfamiliar devices accessed my XXXX account on XX/XX/XXXX at XXXX XXXX and XXXX XXXX prior to the Kraken contact sequence. My XXXX was subsequently locked by XXXXXXXX XXXX  <em>security</em> <em>systems</em> due to suspicious activity."]},"sort":[12.398434,"22355283"]},{"_index":"complaint-public-v1","_id":"6621263","_score":11.958368,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XXXX XXXX I applied online for an American Airlines Advantage Aviator Red World Elite Mastercard issued by Barclays and provided all requested information. Approval odd were excellent, and I had several preapproval offers options from multiple other cards issuers to include other AAdvantage card. I have excellent credit and no issue obtaining credit elsewhere. I received a letter on XXXX XXXX from Barclay stating they need a Driver License/State/Gov ID, Social Security Card, current utility bill and bank statement to verify my address and had 30 days from date of letter ( XXXX XXXX ) to provide. The form letter had no phone number, no email address, no contact name, just a po box address to mail documents. This should have been my first flag, it just didn't feel right ; I attempted to call the customer service number on the website, but its a series of prompts that will not take you to a live person. I called the number for application status, that initially told me to reference a \" my status app link ''. I called back and got a live person who would not help me unless I submitted another credit application. I explained that I already have one, and she stated the system does not allow them to see applications already in process and that I can process a new one over the phone... why would I do that and take another credit hit. I tried two other numbers and finally got a live person when I called the fraud office. I spoke to them in detail about my concerns and was given a fax number to use and list of acceptable documents to verify identity and address. I faxed over clear & legible documents along with my contact info to confirm receipt. I called back a couple of days later and they still could not provide an update or confirm receipt. I was directed to XXXX the package which Barclays received on XXXX XXXX As the fraud rep directed, the package included the original letter, a letter asking them to contact me upon receipt, a copy of my military ID, copy of Passport, a Property Tax Statement, a water Bill XXXX and a XXXX XXXX  statement. ( Note : I did not have to provide this much information when I bought a house or car last year ). They did not follow up or contact me as requested, so I called them on XXXX XXXX, was bounced from person to person until I reach the security department, who then proceeded to tell me application was still on hold and they need more information and I now need to provide a a front and back copy of my social security card and current IRS 1040 document to further prove my identity as my military ID did not have my date on birth. I told them that should not matter as the DOB was on the passport which is legal proof of identity under the Real ID act. I was then connected to another representative, where I had to explain everything again. They assured me documents were for identity and not proof of employer or income. I explained that this was a lot of PII data that they are collecting, especially when documents already provided 100 % match info on credit report. I also wanted to know how PII was being protected under this process, Barclays answer was we will shred it when final decision is made or 6 months whichever comes first. I asked them to send me a letter stating why they needed more information as a SSN card is not considered legal proof of identity, and off course they refused to provided. I asked why a notice was not already sent as they had my identity documents for two week already, rep stated they only send one letter per applicant ( either a denial or request for information ) and had I not called back in, they would have just timed out my application & denied me with no further contact. Rep then proceeded to tell me they require this information from all applicants and it was standard business practice for identity verification. I immediately googled and no where could I find that this was a standard practice, to the contrary another Barclays site listed the same documents already provided as acceptable. Reached out to a few friends who have this card, and they were never asked for this information. I asked Barclay rep was there something in my profile triggering this, I would like to know so I can fix it and not have to go through this with another creditor. I was told they don't have to provide me with that information and that they can just deny the application if I wont provide them with a front and back copy of SSN card and/or 1040. ( note : the back of the card says protect card, prevent misuse, keep it in a safe place and never carry it with you ). If I had not found the Barclay 's number myself, I would swear this whole process was a fishing scam ; since when is a passport not considered ID, Military ID stop having DOB on them 15 years ago, a 1040 is not proof of identity as any one with XXXX XXXX can doctor a 1040. There is no legal requirement to even provide a social security number on the application, so how can they base approval or denial on not providing the actual SSN card. I asked why I could not use the identity verification app like other CC companies ( website says they have one ) I was told that was for current customer only despite the fact website clearly states for New Barclay Consumer wishing to apply for services. I was given yet another po box to mail updated document. I believe I am being profiled based on demographic information on the report ( military status, residential addresses, etc. ) as they wont disclose why I am being flagged. It almost seem like they are trying to make process difficult so I will give up which will give them justification to deny me. I have a 750+ credit score, 15 years of positive trade line, card utilization under 19 %, no late payments, great debt to income ratio, two inquires, no collections, so what's the issue. I have a high level government clearance and know the risk associated with collecting this much PII from one person ; If I had not called in, that paperwork would sit 6 month prior to being destroyed, who does paper anything in this day an age, and everything they are asking for now can be \" dummied up '' by a 13 year old. There was no option to elevate my issue or appeal the decision, either send the documents requested or don't. Again, the fact that I provided valid and recent identity documents as listed on the website/letter that did not clear the flag, coupled with the fact that they will not disclose what generated the flag over the phone or in writing leads me to believe there is a unfair process at play that needs to be investigated and corrected or organization sanctioned for its perceived profiling practices. I would have preferred an upfront denial over this current practice which puts my identity more at risk than issuing the credit card would have. If this \" identity validation practice '' is part of the screen out process for certain \" flagged group of consumers '' I would advise military, divorced women, minorities, and anyone choosing to live in an \" up and coming or investment neighbor '' to proceed with caution, you may be wasting your time and end up with a credit inquiry and no card. I now have to go put a lock on my credit just in case my data get comprised internal to Barclays.","date_sent_to_company":"2023-02-28T03:27:45.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"275XX","tags":"Servicemember","has_narrative":true,"complaint_id":"6621263","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2023-02-28T02:52:12.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Delay in processing application"},"highlight":{"complaint_what_happened":["I faxed over clear & legible documents along with my contact info to <em>confirm</em> receipt. I called back a couple of days later and they still could not provide an update or <em>confirm</em> receipt."]},"sort":[11.958368,"6621263"]},{"_index":"complaint-public-v1","_id":"16184452","_score":11.288587,"_source":{"product":"Checking or savings account","complaint_what_happened":"Bank of America has not further escalated their shanagans and callous behavior by now barring me from requesting a case to reopen that they erroneously closed without any factual evidence other than a vague Terms of Service Agreement from XXXX. Having called Bank of America XXXX in the day they demanded I authenticate an already authenticated call that preceded with me providing my account number, etc. This prescreening process through their automated system is what they use for millions of customers who access their account daily. However, once on the phone I was asked to very my identity again this time they asked for bank account number, social security number, my name, my phone number, the claim number, the claim amount. Despite having provided all of this personal information that only I would know they then after I asked for my account balance to submit XXXX forms of identification. XXXX to the XXXX no, XXXX you I said. That's not happening. I'm tired of being harassed. Now the gloves are coming off. I am and will remain hostile. I'm XXXX, theirs no more XXXX XXXX XXXX. They refused to reopen a case or claim they closed with some frivolous documentation. They refuse to release my funds. They refuse to give bank statements. They refuse to reopen my account while not giving me any kind of legitimate reason why they closed it despite being assured by XXXX different people in the claim department over a series of a week that my account would not be closed. I'm sick of the XXXX. I'm fed up with Bank of America 's shanagans. Every time I file a complaint they escalate their retaliation against me by moving the goal post and refusing to acknowledge that I even have an account this they could not confirm either. What the heck is going on? I demand this stop. I will tomorrow call and ask for help from the following US Federal Senator Catherine Cortez Mastro. US Congresswomen Jackie Rosen. Nevada State Attorney Horsford. US Attorney Jennine Pirro for help trying to get Bank of America to comply with regulatory laws. They have not done their duty. They are committing fraud on so many levels. They don't want to release money owed to me. They don't want to tell me how much money is owed. They are covering for XXXX because their account balance is probably in the millions while mine is yet to be known exactly. Despite the many complaints filed with the consumer finance department, my situation has actually gotten worse. I did speak to a XXXX XXXX who assured me that he would communicate with me via email should I need help. I sent an SOS email asking and explaining this new situation, yet haven't heard back from him. I'm infuriated that I have to use profanity as a way of showing my extreme dismay with those clowns they call bank employees. And if you don't like the words I use listen to President Donald Trump use the same XXXX expletives. So don't say XXXX to me when your XXXX all over my livelihood. I'm done being nice. No more XXXX XXXX XXXX. Bank of America has sucked all the goodness out of me. Within XXXX business days if this isn't rectified to my liking, I'll submit a civil lawsuit to the XXXX XXXX District Court and service court document to the Bank subsequently. The complaint is already written and ready to file. I will ask for immediate relief. In addition a friend of the court yet to be named will on my behalf file a second brief to which he will in detail describe from his research a pattern of behavior by Bank of America that illustrates their are hundreds of others who have been shafted, stepped on, cheated using the same tactics as they are using with me. I now make it my mission in life even after this gets dissolved to hold Bank of America responsible for ruining my business. I now want compensation. I will not stop, I will spend every waking hour fighting for justice. I will my collection of vehicles if need to be to fund this injustice against me until Bank of America comes clean, admits their wrong and compensates me for the damage done.","date_sent_to_company":"2025-09-25T07:43:58.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"89128","tags":null,"has_narrative":true,"complaint_id":"16184452","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-09-25T06:56:16.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["This prescreening process <em>through</em> their automated <em>system</em> is what they use for millions of customers who access their account daily. However, once on the phone I was asked to very my <em>identity</em> again this time they asked for bank account number, social <em>security</em> number, my name, my phone number, the claim number, the claim amount. Despite having provided all of this personal information that only I would know they then after I asked for my account balance to submit XXXX forms of identification."]},"sort":[11.288587,"16184452"]},{"_index":"complaint-public-v1","_id":"3849594","_score":8.062526,"_source":{"product":"Debt collection","complaint_what_happened":"Complaint against XXXX XXXX and XXXX for damages and return of stolen property. \n\nDear CFPB, I am a victim of XXXX XXXX illegal securitization and foreclosure practices and conspiracy with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( former XXXX  XXXX XXXX ( XXXX  ) ) and their subsidiary /DocX, XXXX and XXXX, owner of XXXX, who flooded US Courts with forged documents about non-existing sales of mortgages which never happened in the real life. \n\nIn reality, XXXX XXXX, XXXX, XXXX ( current XXXX   XXXX  ) and XXXX  operate a highly criminal enterprise though their XXXX  ( owned by XXXX/XXXX  XXXX  ) and XXXX  system ( owned by XXXX  ) where XXXX XXXX XXXX like XXXX XXXX manipulate DATA ( information ) about borrowers identity and their loans. \n\nXXXX/XXXX  hire lawyers acting via email distribution of records to originate foreclosures for designated by XXXX XXXX. \n\nXXXX/XXXX, who are acting on behalf of their clients, XXXX XXXX XXXX   who are assigned certain IDs to access the system ( XXXX XXXX ID is XXXX ), prepare forged documents which they email to foreclosure mill lawyers ( who do not even know for whom they work because lawyers do not have any contact with clients and receive their fees via XXXX/XXXX. \n\nThese documents are massively filed in the Court on behalf of designated by XXXX XXXX, non-existing Trusts who help XXXX XXXX  to steal homes as a revenue for XXXX XXXX under glimpse of repayment debt to investors, who are unsecured creditors for XXXX  XXXX. \n\nThe actual loans are never sold and in fact are destroyed at the origination so no one company ( special Trust and Trustees who appear in the Court ) does not have these loans in their accounting books to help XXXX XXXX  to avoid violations for lending practices. \n\nStatement of Facts : On XX/XX/XXXX I entered into a contract which appeared to be a Contract for mortgage to finance a property with purportedly XXXX XXXX XXXX  XXXX  who posed as a Lender. \n\nIn reality, the real purpose of this transaction was a PURCHASE from ME a security instrument ( Promissory Note and Mortgage ) by XXXX XXXX who operated a fraudulent securitization scheme by selling UNSECURED bonds to Investors issued under street name. See XXXX of XXXX. \n\nThe performance of these Notes was not attached to any Mortgages or parts of any mortgages but solely on Index performances which is manipulated by the same banks who issue bonds. \n\nMoreover, XXXX XXXX  purchased insurance contracts that certain events in the group of notes will fall. These events were specifuically designed by XXXX XXXX when they placed their bets with Insurers like XXXX, and XXXX  collected handsome {$50.00} XXXX profits from the bailout. \n\nAs discussed in the accompanying prospectus, the notes are indexed debt securities and are part of a series of debt securities entitled Medium-Term Notes, Series B issued by The XXXX XXXX XXXX XXXX XXXX The notes will rank equally with all other unsecured and unsubordinated debt of The XXXX XXXX XXXX   , Inc. \" XXXX XXXX provided XXXX with a giant line of credit to use for purchases of initial security instrument Promissory Note from the borrower which was instantly converted into DATA via XXXX/XXXX and sold to investors as unsecured bonds. \n\nXXXX, who never was a lender or a Servicer of any Trusts, received a fee for participating in XXXX XXXX  scheme and was removed from the business in XXXX when XXXX did not need them anymore. \n\nSee Trust XXXX XXXX Pooling and Servicing Agreement where XXXX XXXX confirmed to be the Issuer of usecured bonds ; and described how XXXX XXXX DESIRES to buy mortgages which XXXX DESIRES to sell ; and how all documents and transfers SHALL be handled. \n\nWhat is the condition subsequent? acquisition of loans. What does the agreement do? Nothing until the loans are acquired. When are the loans acquired? Never. \nXXXX never sold any loans to XXXX  simply because XXXX never had any loans to sell ; and nothing was pooled in any Trusts which were either never formed or formed as a scam conduit to GS. See citation below. * Note that None of this matters until AFTER loans are acquired. Legal acquisition of a debt occurs in only one way : PAYMENT in exchange for conveyance of ownership. If it refers to an event that is not recited as having already occurred, or a transaction that is not specifically identified such that one could easily determine if the event had already occurred, the document is worthless unless and until evidence is introduced proving that the event occurred. \nWhere can this agreement be found? Sec.gov. Why was it uploaded? So lawyers in foreclosure cases could claim judicial notice of what appeared to be a government document when in fact the investment banks were taking advantage of a loophole that allows them to upload documents that are not reviewed, approved or controlled in any way. \nThe only proof that matters is the payment of value for the underlying debt or obligation. No such transaction exists because the only people who paid value were investors and all they received was an unsecured IOU ( certificate/mortgage bond ) from the investment bank. They did not receive ownership or any right, title or interest to any loan because they didnt want it. \nThe same is true for the investment bank and everyone else. That is why they can claim they are not lenders and therefore not subject to claims of violations of lending laws. And THAT is why if you ask for proof of purchase of the loan you will get nothing but obfuscation and lies. \nThe same lesson holds true for servicer records. Are they the servicer? Only if they are administering a credit account for a creditor. If there is no account there is no creditor. If there is no creditor there can be no servicer. If there is no account there can be no claim of loss in that account.\n\nXXXX XXXX profits from trading backed by my information unsecured Notes was about {$180.00} per {$1.00} they spent to purchase my signature on the Note. \n\nMy loan was never purchased or placed on any account of any Company. As of today nobody owns my so-called loan. \n\nIn XX/XX/XXXX, when XXXX XXXX  fraud and forgery surfaced, DOJ entered a fictitious Cease and Desist Order about which XXXX XXXX were aware in advance when they adjusted their fraudulent foreclosures tactics. \n\nAs soon as the ink dried on all Orders, XXXX XXXX, XXXX and XXXX flooded the entire Court system with illegal foreclosures. The only new restriction was foreclosures must not be filed in the name of MERS. See Wells Fargo/XXXX/XXXX  Foreclosures manual. \n\nIn XX/XX/XXXX Goldman Sachs XXXX XXXX hired law firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to whom they provided the name of designated Plaintiff XXXX XXXX  and forged Assignment prepared by purportedly XXXX ( bankrupt since XXXX ). \n\nXXXX had no idea who are their clients and who pay them legal fees, it was all done via emails and codes on XXXX/XXXX. \nFor example take a look at this from Wells Fargo : As of XX/XX/XXXX, all new referrals will be sent through XXXX instead of XXXX. Desktop referrals can be identified by the XXXX step, REFERRED IN XXXX  on the XXXX screen in XXXX. You will still have loans that were previously referred through XXXX that should continue being processed during this time. Reports You will receive several daily, weekly, and monthly reports to assist you in effectively monitoring and processing of your portfolio. The reports will be listed within the appropriate section of the manual. Effective XX/XX/XXXX, for attorneys, the reports will be uploaded to your XXXX mailbox. First, refer to your Transmission Confirmation Document. Then, access your Prod URL. Finally, key in your Universal ID/LogonID. For liaisons, the reports will be in the DS_FC_AttorneyRpts folder on the shared drive. Reports are to be considered either reference or action required. Reference reports are meant to give a status of the portfolio. \nAction required reports alert you of a task that needs to be performed. The following reports are meant to give you a general overview of the status of your portfolio. \n\n\nOn XX/XX/XXXX XXXX lawyers presented ANOTHER version of forged Note provided to them by XXXX or XXXX/XXXX. \n\nThis original was never given to me and never filed with the Court due to Judge XXXX XXXX concealment of these key documents ( which suggests a systemic bribery of Judges by Goldman Sachs and their co-conspirators ) In XX/XX/XXXX realtor XXXX XXXX, who also did not know whom he is serving and who is his client ( he received referrals for sales from XXXX  ) sold my property acting as representative for XXXX XXXX and a Board of Directors ( non-existing ) of non-existing Trust. \n\nAs the result, I suffered significant damages and severe XXXX  XXXX  while XXXX XXXX and XXXX XXXX  continue to operate the same criminal scheme as of today. \n\n\n\nEXHIBIT O XXXX PURCHASE AGREEMENT ================================================================================ AMENDED AND RESTATED FLOW MORTGAGE LOAN PURCHASE AND WARRANTIES AGREEMENT GOLDMAN SACHS MORTGAGE COMPANY, Purchaser and XXXX XXXX & XXXX Seller Dated as of XX/XX/XXXX Conventional Fixed and Adjustable Rate Residential Mortgage Loans XXXX XXXX XXXX  PURCHASE AND WARRANTIES AGREEMENT This AMENDED AND RESTATED XXXX XXXX XXXX PURCHASE AND WARRANTIES AGREEMENT, dated as of XX/XX/XXXX ( \" Agreement '' ), by and between XXXX XXXX  Mortgage Company, a XXXX XXXX   limited partnership, having an office at XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX ( the `` Purchaser '' ), and XXXX XXXX & XXXX having an office at XXXX XXXX XXXX XXXX, XXXX CA XXXX ( the \" Seller '' ). \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WHEREAS, the Purchaser and Seller are parties to that certain Flow Mortgage Loan and Purchase Warranties Agreement, dated as of XX/XX/XXXX, as amended ( the \" Original Purchase Agreement '' ), pursuant to which the Seller desires to sell to the Purchaser, and, from time to time, the Purchaser desires to purchase from the Seller, certain fixed and adjustable rate first and second lien residential mortgage loans ( the \" Mortgage Loans '' ) on a servicing released basis as described herein, and which shall be delivered as a pool of whole loans on the dates as provided herein ( each, a \" Closing Date '' ) ; WHEREAS, at the present time, the Purchaser and the Seller desire to amend the Original Purchase Agreement to make certain modifications as set forthherein with respect to all Mortgage Loans acquired pursuant to this Agreement orthe Original Purchase Agreement. \n\nNOW, THEREFORE, in consideration of the premises and mutual agreements set forth herein, and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the Purchaser and the Seller agree as follows : Subsection 6.02 Books and Records. \n\nRecord title to each Mortgage as of the related Closing Date shall be in the name of the Seller, an Affiliate of the Seller, the Purchaser or one or more designees of the Purchaser, as the Purchaser shall select. \nNotwithstanding the foregoing, each Mortgage and related Mortgage Note shall be possessed solely by the Purchaser or the appropriate designee of the Purchaser, as the case may be. All rights arising out of the Mortgage Loans including, but not limited to, all funds received by the Seller after the related Cut-off Date on or in connection with a Mortgage Loan shall be vested in the Purchaser or one or more designees of the Purchaser ; provided, however, that all funds received on or in connection with a Mortgage Loan shall be received and held by the Seller in trust for the benefit of the Purchaser or the appropriate designee of the Purchaser, as the case may be, as the owner of the Mortgage Loans pursuant to the terms of this Agreement. \n\nThe sale of each Mortgage Loan shall be reflected on the Seller 's balance sheet and other financial statements as a sale of assets by the Seller. \n\nThe Seller shall be responsible for maintaining, and shall maintain, a complete set of books and records for each Mortgage Loan which shall be marked clearly to reflect the ownership of each Mortgage Loan by the Purchaser, which marking may be evidenced by a designation of electronic files or records maintained by the Seller in connection with each Mortgage Loan. In particular, to the extent required by applicable law, the Seller shall maintain in its possession, available for inspection by the Purchaser, and shall deliver to the Purchaser upon demand, evidence of compliance with all federal, state and local laws, rules and regulations. To the extent that original documents are not required for purposes of realization of Liquidation Proceeds or Insurance Proceeds, documents maintained by the Seller may be in the form of microfilm or microfiche. \n\nSubsection 6.03 Delivery of Mortgage Loan Documents.\n\nThe Seller shall deliver and release to the Custodian no later than three ( 3 )  Business Days prior to the related Closing Date the documents and instruments in the Mortgage File for each Mortgage Loan. \n\nThe Custodian shall certify its receipt of all such Mortgage Loan Documents required to be delivered pursuant to the Custodial Agreement for the related Closing Date, as evidenced by the certification and trust receipt of the Custodian in the form annexed to the Custodial Agreement. The Seller shall comply with the terms of the Custodial Agreement and the Purchaser shall pay all fees and expenses charged by the Custodian associated with the initial inventory and maintenance of the Mortgage Loan Documents. \n\nThe Seller shall forward to the Custodian, or to such other Person as the Purchaser shall designate in writing, original documents evidencing an assumption, modification, consolidation or extension of any Mortgage Loan entered into in accordance with this Agreement within two weeks of their execution, provided, however, that the Seller shall provide the Custodian, or to such other Person as the Purchaser shall designate in writing, with a certified true copy of any such document submitted for recordation within two weeks of its execution, and shall promptly provide the original of any document submitted for recordation or a copy of such document certified by the appropriate public recording office to be a true and complete copy of the original within 180 days of the related Closing Date. \n\nIn the event any document required to be delivered to the Custodian pursuant to the preceding paragraph, including an original or copy of any document submitted for recordation to the appropriate public recording office, is not so delivered to the Custodian, or to such other Person as the Purchaser shall designate in writing, within 180 days following the related Closing Date ( other than with respect to the Assignments of Mortgage which shall be delivered to the Custodian in blank on or prior to the related Closing Date and recorded subsequently by the Purchaser or its designee ), and in the event that the Seller does not cure such failure within 30 days of discovery or receipt of written notification of such failure from the Purchaser, the related Mortgage Loan shall, upon the request of the Purchaser, be repurchased by the Seller at the price and in the manner specified in Subsection 9.04. The foregoing repurchase obligation shall not apply in the event that the Seller can not deliver such original or copy of any document submitted for recordation to the appropriate public recording office within the specified period due to a delay caused by the recording office in the applicable jurisdiction, provided that ( i ) the Seller shall deliver a recording receipt of such recording office or, if such recording receipt is not available, an Officer 's Certificate of a servicing officer of the Seller, confirming that such documents have been accepted for recording ( upon request of the Purchaser and delivery by the Purchaser to the Seller of a schedule of the related Mortgage Loans, the Seller shall reissue and deliver to the Purchaser or its designee said Officer 's Certificate relating to the related Mortgage Loans ), and ( ii ) such document is delivered within twelve ( 12 ) months of the related Closing Date. \n\nThe Seller shall pay all initial recording, registration or transfer fees, if any, for the assignments of mortgage and any other fees or costs in transferring all original documents to the Custodian or, upon written request of the Purchaser, to the Purchaser or the Purchaser 's designee. The Purchaser or the Purchaser 's designee shall be responsible for recording the Assignments of Mortgage and shall be reimbursed by the Seller for the costs associated therewith pursuant to the preceding sentence. \n\nSubsection 6.04 Quality Control Procedures. \n\nThe Seller shall maintain an internal quality control program that verifies in a manner consistent with accepted industry procedures, on a regular basis, the existence and accuracy of the legal documents, credit documents, property appraisals, and underwriting decisions that the Seller maintain for other mortgage loans purchased, originated and serviced by the Seller. The program includes evaluating and monitoring the overall quality of the Seller 's loan production and the servicing activities of the Seller. The program ensures that the Mortgage Loans are originated and serviced in accordance with Accepted Servicing Practices and the Underwriting Guidelines, guards against dishonest, fraudulent, or negligent acts ; and guards against errors and omissions by officers, employees, or other authorized persons. \n\nSECTION 7. Servicing of the Mortgage Loans. \n\nThe Mortgage Loans shall be sold by the Seller to the Purchaser on a servicing released basis. Subject to, and upon the terms and conditions of this Agreement, with respect to the Mortgage Loans, the Seller hereby sells, transfers, assigns and delivers to the Purchaser, on the related Closing Date, the Servicing Rights with respect to the Mortgage Loans in the related Mortgage Loan Package. \n\nThe Purchaser shall retain the Seller as contract servicer of the Mortgage Loans for an interim period pursuant to and in accordance with the terms and conditions contained in the Interim Servicing Agreement ( with respect to each Mortgage Loan, for an interim period, as specified therein ). Pursuant to the Interim Servicing Agreement, the Seller shall begin servicing the Mortgage Loans on behalf of the Purchaser and shall be entitled to the Servicing Fee with respect to such Mortgage Loans from the related Closing Date until the termination of the Interim Servicing Agreement with respect to the related Mortgage Loans as set forth therein, but in no event shall the Seller receive less than 90 days of such compensation.","date_sent_to_company":"2020-09-25T13:55:01.000Z","issue":"Attempts to collect debt not owed","sub_product":"Mortgage debt","zip_code":"606XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3849594","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2020-09-16T10:20:35.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["As discussed in the accompanying prospectus, the notes are indexed debt <em>securities</em> and are part of a <em>series</em> of debt <em>securities</em> entitled Medium-Term Notes, <em>Series</em> B issued by The XXXX XXXX XXXX XXXX XXXX The notes will rank equally with all other unsecured and unsubordinated debt of The XXXX XXXX XXXX   , Inc. \" XXXX XXXX provided XXXX with a giant line of credit to use for purchases of initial <em>security</em> instrument Promissory Note from the borrower which was instantly converted into DATA via XXXX/XXXX"],"sub_issue":["Debt was result of <em>identity</em> theft"]},"sort":[8.062526,"3849594"]},{"_index":"complaint-public-v1","_id":"12059148","_score":8.008373,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Letter sent to all XXXX credit agencies XX/XX/year> I would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations ANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis- report any information now or EVER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which governs your practice or reporting consumer credit profiles. \nXXXX ) I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not authorize or desire and other phone number to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \n\nPlease review my formal writ of composed declaration of NOT PROVE COMPLIANT MISINFORMATION that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. \nI have identified likely mendacious and certainly unproven compliant reported personal identifier information on my credit file. I am within my federal and state consumer and or civil rights to demand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under F ACTA Title 1 sec. 151 that unambiguously obliges a recount of the modus operandi used by your agency in the procurement this ( these ) alleged yet unproven true, correct, complete, much less compliant items of personal identifier information that I believe is possibly incorrect, including if this was obtained by a third party information trafficker and sold to your firm. I have enclosed copies of my state issued identification and Social Security number to validate my identity. I believe that this false and or misleading information that you are reporting is likely directly resulting in or will in future result in incorrect account mergers onto my credit file and that this is injurious to my credit health and credit wealth. The FOLLOWING reporting derogatory allegations of information are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated immediately! \n\nTHE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL AND STATE REQUISITE REPORTING COMPLIANCES TO INCLUDE METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING STANDARDS OF EXACTNESS AND OR UNDENIABLE AND IRREFUTABLE UNDOUBTED PROOF IN REGARDS TO A DOCUMENTED TESTIMONIAL CERTIFICATE OF FACTS AS TO THE CURRENT STATUS, TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIPS, RESPONSIBILITIES, FCRA COMPLIANCE, AND OR METRO 2 COMPLIANT REPORTING. NO ENTITY RETAINS ANY RIGHTS TO ERADICATE ITS LIABILITIES FOR INFRINGEMENT OF CONSUMER AND OR CIVIL RIGHTS WITH INJURIOUS, UNETHICAL, UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, OR ELSE WISE UNPROVEN TO BE ENTIRELY COMPLIANT REPORTING TO EVERY ASPECT OF MANDATED LAWS, REGULATIONS, PRECEDENCE, AND OR STANDARDS OF ACCEPTABLE REPORTING PRACTICES. PLEASE ANNUL BY FULL AND PERMANENT DELETION AND AND ALL ASPECTS OF THE FOLLOWING UNLAWFULLY AND NOT PROVEN COMPLIANT ALLEGATIONS : PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED NAMES OF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED ADDRESSES OF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED TELEPHONE NUMBERS/CONTACTS OF : PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED EMPLOYERS OF : XXXX XXXX XXXX Please Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain or report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and XXXX even each any and all OF THE data aspects.Subterfuge is unlawful, I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter. \nMight it be known that THIS LETTER of consumer check and challenge for lawful reporting compliance is my officially composed writ formal complaint that you are reporting XXXX or more of the following, ILLEGALLY mind you : i ) Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nii ) Your reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \niii ) Your reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nv ) Your reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nvi ) Your reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be of CRSA enacted XXXX XXXX XXXX DATA FIELD FORMATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nInjury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and permanent deletion any or even XXXX not irrefutable allegation ( XXXX ) deficient of physical composed writ certificate ( XXXX ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not. Attest now to the XXXX required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( XXXX ) otherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and XXXX compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable XXXX reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the XXXX ( XXXX ) portioned personal identifiers, XXXX character XXXX statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( XXXX ), the XXXX applicable and precise sequenced XXXX pieces of confirmation to collect ( -ions ) or any obligation else-wise. XXXX or XXXX federally required compliance with your immediate and dull eradication of any and XXXX of the adverse and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.\n\n1. Tell me in writing what information you refuse to remove and why.\n\n2. Tell me in writing what you did to determine that the information was accurate. 3. Note the information as disputed BY the CONSUMER on my credit report.\n\nAccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. \nAccording to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.\n\nPlease notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think XXXX Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. \nFURTHER, CONFIRM the XXXX key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( XXXX ) specifics! Must be performed in a REAL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond XXXX calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase XXXX of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro XXXX XXXX fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. XXXX XXXX compliance requires exacting P-segment, to include the minimal XXXX ( XXXX ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted XXXX Metro 2 data field formatted reporting regulatory standards and obligations to include the XXXX time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and XXXX of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due XXXX the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported XXXX-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?\n\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE! \nPlease verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite XXXXcharacters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric sourceXXXX code deciding the rightness states, and even every aspect of the mandated XXXX pieces of confirmation to collection. \nThis series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed IN CLARITY above FURTHER, CONFIRM the XXXX key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirm in writing the following personal information : XXXX FULL LEGAL NAME as it Appears on my Credit report XXXX Legal Address of Record XXXX SSN # ( or redacted last XXXX digits ) XXXX Date of Birth XXXX Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally XXXX portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( XXXX ) specifics! Must be performed in a REAL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond XXXX calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase XXXX of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro XXXX data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal XXXX ( XXXX ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the XXXX time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and XXXX of current MY states reporting regulations as well as those of federal laws, even the XXXX METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported XXXX-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?\n\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!\n\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. \nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX, as undoubtedly reporting not only must be true, timely and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. \nBy the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.\n\nPlease send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. \nThank you for your time and help in this matter.","date_sent_to_company":"2025-02-20T22:36:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21061","tags":null,"has_narrative":true,"complaint_id":"12059148","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-13T16:58:27.000Z","state":"MD","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I think XXXX Days should be ample enough time to get this completed since this is my NOT my first time contacting <em>your</em> organization. \nFURTHER, <em>CONFIRM</em> the XXXX key components of our individual <em>identities</em> in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of <em>identity</em> theft due to <em>YOUR</em> DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[8.008373,"12059148"]},{"_index":"complaint-public-v1","_id":"12985281","_score":8.004205,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"THEY DIDNT CORRECT THE NAME AND ADDRESSES AS EXPERIAN STATED AS RESPONSE TO MY COMPLAINT. SENT A XXXX REQUEST FOR THIS TO BE CORRECTED!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! \nI would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations ANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis- report any information now or EVER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which governs your practice or reporting consumer credit profiles.\n\n1 ) I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.\n\n2 ) I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.\n\n3 ) I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.\n\n4 ) I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.\n\n5 ) I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not authorize or desire and other phone number to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.\n\n6 ) I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \n\nPlease review my formal writ of composed declaration of NOT PROVE COMPLIANT MISINFORMATION that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX Metro 2 COMPLIANT reporting. \nI have identified likely mendacious and certainly unproven compliant reported personal identifier information on my credit file. I am within my federal and state consumer and or civil rights to demand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under F ACTA Title 1 sec. 151 that unambiguously obliges a recount of the modus operandi used by your agency in the procurement this ( these ) alleged yet unproven true, correct, complete, much less compliant items of personal identifier information that I believe is possibly incorrect, including if this was obtained by a third party information trafficker and sold to your firm. I have enclosed copies of my state issued identification and Social Security number to validate my identity. I believe that this false and or misleading information that you are reporting is likely directly resulting in or will in future result in incorrect account mergers onto my credit file and that this is injurious to my credit health and credit wealth. The FOLLOWING reporting derogatory allegations of information are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated immediately! \n\nTHE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL AND STATE REQUISITE REPORTING COMPLIANCES TO INCLUDE METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING STANDARDS OF EXACTNESS AND OR UNDENIABLE AND IRREFUTABLE UNDOUBTED PROOF IN REGARDS TO A DOCUMENTED TESTIMONIAL CERTIFICATE OF FACTS AS TO THE CURRENT STATUS, TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIPS, RESPONSIBILITIES, FCRA COMPLIANCE, AND OR METRO 2 COMPLIANT REPORTING. NO ENTITY RETAINS ANY RIGHTS TO ERADICATE ITS LIABILITIES FOR INFRINGEMENT OF CONSUMER AND OR CIVIL RIGHTS WITH INJURIOUS, UNETHICAL, UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, OR ELSE WISE UNPROVEN TO BE ENTIRELY COMPLIANT REPORTING TO EVERY ASPECT OF MANDATED LAWS, REGULATIONS, PRECEDENCE, AND OR STANDARDS OF ACCEPTABLE REPORTING PRACTICES. PLEASE ANNUL BY FULL AND PERMANENT DELETION AND AND ALL ASPECTS OF THE FOLLOWING UNLAWFULLY AND NOT PROVEN COMPLIANT ALLEGATIONS : PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED NAMES OF : PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED ADDRESSES OF : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED TELEPHONE NUMBERS/CONTACTS OF : PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED EMPLOYERS OF : Please Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain or report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and one even each any and all OF THE data aspects.Subterfuge is unlawful, I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter. \nMight it be known that THIS LETTER of consumer check and challenge for lawful reporting compliance is my officially composed writ formal complaint that you are reporting XXXX or more of the following, ILLEGALLY mind you : i ) Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nii ) Your reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \niii ) Your reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\n\niv ) Your reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nv ) Your reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nvi ) Your reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\n\nvii ) Your reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be of XXXX enacted XXXX METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\n\nInjury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and permanent deletion any or even one not irrefutable allegation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.\n\n1. Tell me in writing what information you refuse to remove and why. 2. Tell me in writing wha\nt you did to determine that the information was accurate. 3. Note the information as disputed BY the CONSUMER on my credit report.\n\nAccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a\ncredit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.\n\nAccording to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. \nPlease notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization.\n\nFURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth XXXX Zip Code for my Home Address The CRSA enacted XXXX Metro 2 compliant reporting format REQUIRES the precise and exact fully complete XXXX XXXX XXXXr Trailing Segment that is to include the minimally XXXX portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond within20 calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the XXXX, XXXX  auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the XXXX, any and all CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the XXXX enacted XXXX Metro 2 data field formatted reporting regulatory standards and obligations to include the XXXX time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and XXXX of current MY states reporting regulations as well as those of federal laws, even the XXXX METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported XXXX P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?\n\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE! \nPlease verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite XXXX of the exact and fully compliant XXXX statement, any alpha/numeric and or alphanumeric XXXX code deciding the rightness states, and even every aspect of the mandated XXXX pieces of confirmation to collection. \nThis series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed IN CLARITY above FURTHER, CONFIRM the XXXX key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted XXXX Metro 2 compliant reporting format REQUIRES the precise and exact fully complete XXXX P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( XXXX ) specifics! Must be performed in a REAL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond within20 calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the XXXX, XXXX and all CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the XXXX enacted XXXX XXXX XXXX data field formatted reporting regulatory standards and obligations to include the XXXX time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and XXXX of current MY states reporting regulations as well as those of federal laws, even the XXXX XXXX XXXX COMPLIANCE standards due XXXX the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported XXXX P-SEGMENT true, correct, and complete to standards of CERTIFIED XXXX XXXX COMPLIANCE? \nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE! \nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. \nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX, as undoubtedly reporting not only must be true, timely and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. \nBy the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.\n\nPlease send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. \nThank you for your time and help in this matter. \nSincerely,","date_sent_to_company":"2025-04-14T18:50:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21061","tags":null,"has_narrative":true,"complaint_id":"12985281","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-14T18:35:54.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting <em>your</em> organization.\n\nFURTHER, <em>CONFIRM</em> the five key components of our individual <em>identities</em> in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of <em>identity</em> theft due to <em>YOUR</em> DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[8.004205,"12985281"]},{"_index":"complaint-public-v1","_id":"12058787","_score":8.004205,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Letter sent to all XXXX credit agencies XX/XX/year> I would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations ANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis- report any information now or EVER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which governs your practice or reporting consumer credit profiles. \nXXXX ) I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not authorize or desire and other phone number to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \n\nPlease review my formal writ of composed declaration of NOT PROVE COMPLIANT MISINFORMATION that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. \nI have identified likely mendacious and certainly unproven compliant reported personal identifier information on my credit file. I am within my federal and state consumer and or civil rights to demand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under F ACTA Title 1 sec. 151 that unambiguously obliges a recount of the modus operandi used by your agency in the procurement this ( these ) alleged yet unproven true, correct, complete, much less compliant items of personal identifier information that I believe is possibly incorrect, including if this was obtained by a third party information trafficker and sold to your firm. I have enclosed copies of my state issued identification and Social Security number to validate my identity. I believe that this false and or misleading information that you are reporting is likely directly resulting in or will in future result in incorrect account mergers onto my credit file and that this is injurious to my credit health and credit wealth. The FOLLOWING reporting derogatory allegations of information are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated immediately! \n\nTHE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL AND STATE REQUISITE REPORTING COMPLIANCES TO INCLUDE METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING STANDARDS OF EXACTNESS AND OR UNDENIABLE AND IRREFUTABLE UNDOUBTED PROOF IN REGARDS TO A DOCUMENTED TESTIMONIAL CERTIFICATE OF FACTS AS TO THE CURRENT STATUS, TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIPS, RESPONSIBILITIES, FCRA COMPLIANCE, AND OR METRO 2 COMPLIANT REPORTING. NO ENTITY RETAINS ANY RIGHTS TO ERADICATE ITS LIABILITIES FOR INFRINGEMENT OF CONSUMER AND OR CIVIL RIGHTS WITH INJURIOUS, UNETHICAL, UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, OR ELSE WISE UNPROVEN TO BE ENTIRELY COMPLIANT REPORTING TO EVERY ASPECT OF MANDATED LAWS, REGULATIONS, PRECEDENCE, AND OR STANDARDS OF ACCEPTABLE REPORTING PRACTICES. PLEASE ANNUL BY FULL AND PERMANENT DELETION AND AND ALL ASPECTS OF THE FOLLOWING UNLAWFULLY AND NOT PROVEN COMPLIANT ALLEGATIONS : PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED NAMES OF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED ADDRESSES OF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED TELEPHONE NUMBERS/CONTACTS OF : PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED EMPLOYERS OF : XXXX XXXX XXXX Please Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain or report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and XXXX even each any and all OF THE data aspects.Subterfuge is unlawful, I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter. \nMight it be known that THIS LETTER of consumer check and challenge for lawful reporting compliance is my officially composed writ formal complaint that you are reporting XXXX or more of the following, ILLEGALLY mind you : i ) Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nii ) Your reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \niii ) Your reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nv ) Your reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nvi ) Your reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be of CRSA enacted XXXX XXXX XXXX DATA FIELD FORMATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nInjury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and permanent deletion any or even XXXX not irrefutable allegation ( XXXX ) deficient of physical composed writ certificate ( XXXX ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not. Attest now to the XXXX required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( XXXX ) otherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and XXXX compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable XXXX reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the XXXX ( XXXX ) portioned personal identifiers, XXXX character XXXX statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( XXXX ), the XXXX applicable and precise sequenced XXXX pieces of confirmation to collect ( -ions ) or any obligation else-wise. XXXX or XXXX federally required compliance with your immediate and dull eradication of any and XXXX of the adverse and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.\n\n1. Tell me in writing what information you refuse to remove and why.\n\n2. Tell me in writing what you did to determine that the information was accurate. 3. Note the information as disputed BY the CONSUMER on my credit report.\n\nAccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. \nAccording to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.\n\nPlease notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think XXXX Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. \nFURTHER, CONFIRM the XXXX key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( XXXX ) specifics! Must be performed in a REAL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond XXXX calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase XXXX of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro XXXX XXXX fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. XXXX XXXX compliance requires exacting P-segment, to include the minimal XXXX ( XXXX ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted XXXX Metro 2 data field formatted reporting regulatory standards and obligations to include the XXXX time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and XXXX of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due XXXX the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported XXXX-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?\n\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE! \nPlease verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite XXXXcharacters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric sourceXXXX code deciding the rightness states, and even every aspect of the mandated XXXX pieces of confirmation to collection. \nThis series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed IN CLARITY above FURTHER, CONFIRM the XXXX key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirm in writing the following personal information : XXXX FULL LEGAL NAME as it Appears on my Credit report XXXX Legal Address of Record XXXX SSN # ( or redacted last XXXX digits ) XXXX Date of Birth XXXX Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally XXXX portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( XXXX ) specifics! Must be performed in a REAL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond XXXX calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase XXXX of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro XXXX data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal XXXX ( XXXX ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the XXXX time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and XXXX of current MY states reporting regulations as well as those of federal laws, even the XXXX METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported XXXX-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?\n\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!\n\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. \nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX, as undoubtedly reporting not only must be true, timely and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. \nBy the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.\n\nPlease send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. \nThank you for your time and help in this matter.","date_sent_to_company":"2025-02-20T22:36:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21061","tags":null,"has_narrative":true,"complaint_id":"12058787","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-13T16:46:12.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I think XXXX Days should be ample enough time to get this completed since this is my NOT my first time contacting <em>your</em> organization. \nFURTHER, <em>CONFIRM</em> the XXXX key components of our individual <em>identities</em> in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of <em>identity</em> theft due to <em>YOUR</em> DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[8.004205,"12058787"]},{"_index":"complaint-public-v1","_id":"12059119","_score":8.000035,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Letter sent to all XXXX credit agencies XX/XX/year> I would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations ANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis- report any information now or EVER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which governs your practice or reporting consumer credit profiles. \nXXXX ) I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not authorize or desire and other phone number to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \n\nPlease review my formal writ of composed declaration of NOT PROVE COMPLIANT MISINFORMATION that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. \nI have identified likely mendacious and certainly unproven compliant reported personal identifier information on my credit file. I am within my federal and state consumer and or civil rights to demand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under F ACTA Title 1 sec. 151 that unambiguously obliges a recount of the modus operandi used by your agency in the procurement this ( these ) alleged yet unproven true, correct, complete, much less compliant items of personal identifier information that I believe is possibly incorrect, including if this was obtained by a third party information trafficker and sold to your firm. I have enclosed copies of my state issued identification and Social Security number to validate my identity. I believe that this false and or misleading information that you are reporting is likely directly resulting in or will in future result in incorrect account mergers onto my credit file and that this is injurious to my credit health and credit wealth. The FOLLOWING reporting derogatory allegations of information are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated immediately! \n\nTHE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL AND STATE REQUISITE REPORTING COMPLIANCES TO INCLUDE METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING STANDARDS OF EXACTNESS AND OR UNDENIABLE AND IRREFUTABLE UNDOUBTED PROOF IN REGARDS TO A DOCUMENTED TESTIMONIAL CERTIFICATE OF FACTS AS TO THE CURRENT STATUS, TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIPS, RESPONSIBILITIES, FCRA COMPLIANCE, AND OR METRO 2 COMPLIANT REPORTING. NO ENTITY RETAINS ANY RIGHTS TO ERADICATE ITS LIABILITIES FOR INFRINGEMENT OF CONSUMER AND OR CIVIL RIGHTS WITH INJURIOUS, UNETHICAL, UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, OR ELSE WISE UNPROVEN TO BE ENTIRELY COMPLIANT REPORTING TO EVERY ASPECT OF MANDATED LAWS, REGULATIONS, PRECEDENCE, AND OR STANDARDS OF ACCEPTABLE REPORTING PRACTICES. PLEASE ANNUL BY FULL AND PERMANENT DELETION AND AND ALL ASPECTS OF THE FOLLOWING UNLAWFULLY AND NOT PROVEN COMPLIANT ALLEGATIONS : PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED NAMES OF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED ADDRESSES OF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED TELEPHONE NUMBERS/CONTACTS OF : PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED EMPLOYERS OF : XXXX XXXX XXXX Please Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain or report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and XXXX even each any and all OF THE data aspects.Subterfuge is unlawful, I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter. \nMight it be known that THIS LETTER of consumer check and challenge for lawful reporting compliance is my officially composed writ formal complaint that you are reporting XXXX or more of the following, ILLEGALLY mind you : i ) Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nii ) Your reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \niii ) Your reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nv ) Your reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nvi ) Your reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be of CRSA enacted XXXX XXXX XXXX DATA FIELD FORMATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nInjury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and permanent deletion any or even XXXX not irrefutable allegation ( XXXX ) deficient of physical composed writ certificate ( XXXX ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not. Attest now to the XXXX required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( XXXX ) otherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and XXXX compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable XXXX reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the XXXX ( XXXX ) portioned personal identifiers, XXXX character XXXX statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( XXXX ), the XXXX applicable and precise sequenced XXXX pieces of confirmation to collect ( -ions ) or any obligation else-wise. XXXX or XXXX federally required compliance with your immediate and dull eradication of any and XXXX of the adverse and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.\n\n1. Tell me in writing what information you refuse to remove and why.\n\n2. Tell me in writing what you did to determine that the information was accurate. 3. Note the information as disputed BY the CONSUMER on my credit report.\n\nAccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. \nAccording to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.\n\nPlease notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think XXXX Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. \nFURTHER, CONFIRM the XXXX key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( XXXX ) specifics! Must be performed in a REAL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond XXXX calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase XXXX of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro XXXX XXXX fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. XXXX XXXX compliance requires exacting P-segment, to include the minimal XXXX ( XXXX ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted XXXX Metro 2 data field formatted reporting regulatory standards and obligations to include the XXXX time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and XXXX of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due XXXX the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported XXXX-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?\n\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE! \nPlease verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite XXXXcharacters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric sourceXXXX code deciding the rightness states, and even every aspect of the mandated XXXX pieces of confirmation to collection. \nThis series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed IN CLARITY above FURTHER, CONFIRM the XXXX key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirm in writing the following personal information : XXXX FULL LEGAL NAME as it Appears on my Credit report XXXX Legal Address of Record XXXX SSN # ( or redacted last XXXX digits ) XXXX Date of Birth XXXX Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally XXXX portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( XXXX ) specifics! Must be performed in a REAL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond XXXX calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase XXXX of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro XXXX data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal XXXX ( XXXX ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the XXXX time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and XXXX of current MY states reporting regulations as well as those of federal laws, even the XXXX METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported XXXX-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?\n\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!\n\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. \nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX, as undoubtedly reporting not only must be true, timely and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. \nBy the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.\n\nPlease send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. \nThank you for your time and help in this matter.","date_sent_to_company":"2025-02-20T22:36:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21061","tags":null,"has_narrative":true,"complaint_id":"12059119","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-13T16:58:27.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I think XXXX Days should be ample enough time to get this completed since this is my NOT my first time contacting <em>your</em> organization. \nFURTHER, <em>CONFIRM</em> the XXXX key components of our individual <em>identities</em> in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of <em>identity</em> theft due to <em>YOUR</em> DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[8.000035,"12059119"]},{"_index":"complaint-public-v1","_id":"10741046","_score":7.769614,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX IVE submitted updated drivers license my minor children, DOJ FBI VNS FTC REPORTS CFPB XXXX XXXX ORDERED DOCUMENTS FROM THE JUDGE STAMPED AND SEALED AMENDED BIRTH CERTIFICATE IM BEING RETAILITATED AGAINST DUE TO MY DL SSN NAME ALL CHANGED. My kids and. Sufffered medical malpractice due to misuse of our XXXX TAX FRAUD IVE ATTACHED EVERYTHING DUE TO DEVICES MAILED COMPRMOSED BEFORE I GET THEM IT APPEARS IM THE CRIMINAL THEY REFUSE TO REMOVE THE FRAUD NEGATIVE INFO ON MY REPORT. \nIn recent years, my family and I have been victims of numerous data breaches, fraudulent activities, and ongoing issues with medical, financial, and personal information. We were notified of a medical data breach through XXXX, impacting me and my XXXX children. Since then, I have received no settlement payments from major breaches, including XXXX XXXX, XXXX, Equifax, or Bank XXXX XXXX. Additionally, neither my children nor I have received any victims compensation from the Department of Justice, despite proof of victimization, which I have attached. \nIn XXXX, due to issues with our XXXX, our XXXX numbers were changed in an emergency by the South Carolina XXXX XXXX XXXX. The inspector assigned to the case was XXXX XXXX. After this change, I was accused of XXXX fraud. Initially, officials claimed it was a systematic error but later reversed their stance, suggesting I committed fraud, which I categorically deny. Despite my honesty and record-keeping, this accusation was sent to addresses where suspects, such as my mother XXXX XXXX XXXX XXXX XXXX XXXX ) and my sister, reside. This systematic error negatively impacted my financial situation and my familys stability. The address XXXX XXXX XXXX in XXXX, SC, has been linked to XXXX and other records with fraudulent updates, despite never being associated with me personally. \n\nFurther, in XXXX of this year, unauthorized access to my and my childrens medical and financial records was documented, with information accessed monthly. I have had to repeatedly request the removal of a middle initial mistakenly added to my name on South Carolina XXXX XXXX. Despite assurances each time that it would be corrected, the issue persists. This is compounded by issues with phone numbers linked to breached accounts from XXXX, such as XXXX, XXXX, and XXXX. These breaches and unauthorized uses of my personal information have been verified through phone provider records. \n\nNotably, the Department XXXX XXXX XXXX ( XXXX ) appears connected to some discrepancies. For example, while my XXXX benefits and associated records display my updated legal name, my benefits recertification information was suddenly switched back to my old name without explanation. Despite showing evidence of these discrepancies to officials, my benefit records have been manipulated to misrepresent my identity and financial standing. \n\nSimilarly, changes in records have affected my insurance and federal records. Unauthorized individuals manipulated my XXXX account and benefits, compromising my IP address, email authentication, and even my insurance with XXXX XXXX. Recently, fraudulent XXXX charges appeared on my insurance on XX/XX/XXXX, despite my lack of involvement. \n\nAdditional fraud has involved relatives. For instance, my sons father recently won a settlement of {$190000.00} in XX/XX/XXXX in XXXX, yet child support adjustments have been erratic, likely due to changes in XXXX and health information. XXXX XXXX noted my mothers involvement in our records, despite my request to remove her due to misuse of my information. \n\nIn XXXX, I observed unusual financial XXXX among relatives who were previously in debt but suddenly gained perfect credit. I suspected fraud, involving a XXXX associate and manipulation of XXXX records, which at XXXX point falsely listed me as the owner of a hotel with foreign employees. My former business, XXXX XXXX XXXX, was taken from me after presenting a multi-million-dollar entertainment concept to XXXX XXXX. Following this meeting, my devices were compromised, stolen, and accessed without authorization, severely impacting my career. \n\nMy current employer, XXXX XXXX XXXX, has also mishandled my compensation and benefits. After suffering a XXXX in XX/XX/XXXX, I qualified for medical leave but have yet to receive payment. Similarly, after my emergency hysterectomy in XXXX, I did not receive my full XXXX pay. In XXXX, I was shorted XXXX hours. Equipment issues were frequent, and the company appeared to hinder my ability to work by sending defective towers and assigning me to classes with inadequate resources. At XXXX point, a neighbor brought a box of equipment that XXXX confirmed had been sent to the wrong address by XXXX, compromising my security. Despite following all protocol and returning faulty equipment, the company claimed they had not received it, affecting my employment eligibility. \n\nEarlier this year, I faced issues with Concentrixs recruiter, who falsely claimed I needed a drug test, which I passed. Despite my repeated attempts to follow up, I never received responses or job confirmation. Meanwhile, XXXX unlawfully reported incorrect wages to the Social Security XXXX, resulting in a decrease in my sons XXXX benefits. Furthermore, the XXXX has provided inconsistent information about these reports, adding to our ongoing hardship. \n\nMy and my childrens medical records have also been tampered with. For example, despite having XXXX XXXX XXXX listed in my XXXX XXXX records, my primary care provider has said otherwise, leading to medical misdiagnoses. Billing inconsistencies, such as the erroneous {$80000.00} charges to XXXX for services I never received, illustrate these fraudulent practices. When I reported these discrepancies, the primary care provider unjustly dismissed me from her practice. \n\nOn several occasions, our personal records and belongings have been stolen from our home. Mail theft, unauthorized entries, and missing personal documents are regular occurrences. Recently, when XXXX requested my high school diploma, I discovered it had been stolen, along with my childrens report cards and certifications. \n\nWith evidence of multiple orchestrated financial crimes and unauthorized access to our personal, financial, and medical records by various individuals and organizations, I am seeking immediate action. This includes : XXXX. Changes to my and my childrens names. \nXXXX. Sealing of our medical record numbers, clinical records, and account histories to prevent further misuse. \nXXXX. Investigation into companies involved, including XXXX, XXXX, and other associated agencies. \n\nThese actions, constituting fraud, identity theft, unauthorized access, XXXX violations, discrimination, and retaliation, have created an unsafe environment for my family and inflicted significant financial, emotional, and physical distress. I request that immediate steps be taken to secure our information and hold responsible parties accountable. \nOver the past year, I have experienced an orchestrated pattern of financial, employment, and medical mismanagement by various organizations and individuals. The cumulative effects of these incidents have led to severe personal, medical, and financial hardship for my family and me. I implore you to address these issues with the utmost urgency, as they have impacted my health, my childrens well-being, and our financial stability. \nPersonal Background and Employment Issues with XXXX XXXX XXXX I am a single mother of XXXX children, and until recently, I was employed with XXXX XXXX XXXX. I experienced multiple incidents of payroll inconsistencies, mismanagement, and unaddressed medical leave issues due to my XXXX in XX/XX/XXXX and a prior emergency hysterectomy in XX/XX/XXXX. Despite being eligible for medical leave under federal law, I encountered severe delays and missing paychecks, including errors in my XXXX and XX/XX/XXXX payroll. XXXX withheld portions of my income during these times, creating significant financial strain. Despite my best efforts to resolve these issues internally, I was encouraged by my supervisor, XXXX XXXX, to file for unemployment, which led to additional complications. \n\nOn top of that, I faced unusual and unethical recruitment practices in XX/XX/XXXX, when I was asked to take a drug screening for a new assignment that was, according to XXXX, urgent. During this process, I encountered irregularities, including late-night calls from the recruiter, delays, and unreturned messages. Although I passed the test, the recruiter stopped responding after confirming the validity of my prescription medications. I was left without employment, and my attempts to reach XXXX or XXXX XXXX about this recruiter were met with dismissal. This left me stranded financially and emotionally, as I felt I was being set up to fail without any recourse. \n\nMoreover, I discovered frequent alterations to my tax withholding information within the XXXX system between XXXX and XX/XX/XXXX. Despite repeatedly adjusting my XXXX to reflect my head-of-household status with XXXX dependents, it was changed back to XXXX allowances without my consent. I provided proof to XXXX, but this continued unchecked. \n\nMedical and XXXX XXXX XXXX I have a complex medical history, including childhood XXXX XXXX and XXXX concerns, which have been mishandled and misdiagnosed by both XXXX XXXX XXXX XXXX and XXXX XXXX. Following my XXXX, which was initially recorded as a mild XXXX ( TIA ), my medical records were altered to indicate a diagnosis of hemiplegic migrainesa condition my son, not I, suffers from. This falsification has led to additional complications in my treatment and care, as my true medical needs have not been addressed. \n\nMy children and I have also faced issues with XXXX and XXXX. There are records falsely listing XXXX as XXXX, and despite requesting corrections, the errors persist. Our medical charts contain inaccurate information, including previous diagnoses, and unauthorized changes to my name and other details have resurfaced despite multiple updates. The confusion around these records has not only impacted our ability to receive proper medical care but has caused my sons XXXX benefits to decrease based on false wage reporting by XXXX. The inaccuracies in our medical histories have left us without essential treatments and correct medical advice, placing our health in jeopardy. \n\nMail Theft, Identity Theft, and XXXX XXXX I have experienced repeated mail theft, including the unauthorized removal of important documents such as my high school diploma, my childrens report cards, and various personal identification papers. On XXXX occasion, my home was left open, and my childs football game folder, which contained sensitive identification documents, was disturbed. These repeated invasions have left my family feeling vulnerable and unsafe. \n\nIn addition, I have encountered false tax documents and compromised IRS returns. XXXX forms showing electronic signatures have appeared without my knowledge, and previous years returns were tampered with, creating suspicion that I completed forms I did not. Concerningly, Ive noticed unusual discrepancies involving the Federal Reserve, where records tied to my settlements and victims compensation have been altered, preventing those funds from reaching me. Compounding this, my tax information has been altered to show false wages that caused financial setbacks, such as my sons XXXX reduction. \n\nOn multiple occasions, I have observed unauthorized changes to our benefits, accounts, and medical information from unidentified foreign sources in the XXXX, XXXX, and XXXX. Ive seen indicators suggesting that my documents are being manipulated and sold, including when XXXX documentation unexpectedly appeared on my personal devices. The situation has escalated to XXXX XXXX that my familys personal and financial records are being remotely accessed and modified, creating continual disruption to our financial and medical security. \n\nUrgent Request for Action These interconnected actions have violated numerous federal laws, including : XXXX Violations : Unauthorized access and alteration of medical records, resulting in misdiagnoses and incorrect medical treatment. \nXXXX XXXX Violations : Wrongful termination and mishandling of medical leave rights and pay by XXXX. \nSocial Security XXXX Violations : False reporting of wages to the XXXX, leading to wrongful reductions in XXXX benefits. \nIdentity Theft and XXXX XXXX : Manipulation of personal information, tax records, and financial data, impacting access to settlements and benefits. \nVictims Rights Violations : Withholding of victims compensation and child support deposits, likely due to altered banking records. \n\nThe cumulative impact of these issues is more than financial ; it has placed my familys health, well-being, and sense of security at grave risk. I request immediate intervention to investigate these ongoing issues, enforce accountability among involved parties, and ensure that our recordsmedical, employment, and financialare corrected and secured. \n\nThank you for your attention to this matter. I am prepared to provide any additional documentation needed and am hopeful that with your assistance, my family and I can regain control over our health, financial stability, and personal security. \n\nI am urgently reaching out to address suspected fraud and identity misuse affecting my account and linked records, with the goal of correcting these errors and ensuring the privacy and safety of my familys energy services. This situation has caused significant concern for our household security, and I request your immediate assistance in investigating and removing fraudulent data associated with my account. \n\nSuspected Fraudulent Activity and Urgent Concerns There are multiple emails, addresses, and phone numbers that I have discovered associated with my XXXX XXXX account and records, which I did not authorize. The following emails in XXXX and XXXX fraudulent. I am asking for them to be immediately deleted from any association with my XXXX XXXX account or records. \n\nOn XX/XX/XXXX, I requested that the account for meter XXXX XXXX XXXX, XXXX, SC reflect my updated information, including my new name, Social Security number, and drivers license number. However, my records do not show this update, and neither do they list other addresses I have lived at under my old name. These addresses include : XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX Lakecrest Apartments in XXXX, SC XXXX XXXX XXXX in Taylors, SC XXXX XXXX XXXX XXXX, XXXX XXXX?, XXXX, SC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX This discrepancy is a serious issue, as it leaves my new identity information unlinked, while fraudulently assigned addresses remain on record. I request either the removal of XXXX XXXX XXXX from my account or the addition of my legitimate, previous addresses under my old identity. Currently, my consumer report lists a fraudulent address that was never mine and that I believe was being used by others while I maintained my own separate residence. \n\nFraudulent Use of My Identity and That of My Children Between XX/XX/XXXX and now, there have been individuals who have repeatedly used my name and my minor childrens names to obtain services and hide behind our identities. Specifically, XXXX XXXX XXXX, XXXX, SC XXXX appears fraudulently in my records as an address someone else used to access my information and receive my drivers license. \n\nThose I believe responsible for using my identity fraudulently include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These individuals have misused my identity and that of my minor children, XXXX XXXX XXXX and XXXX XXXX XXXX, in various financial schemes, manipulating records and identities linked to XXXX XXXX. It is essential that no accounts, direct deposits, or service addresses associated with these names, or variations like XXXX XXXX or XXXX XXXX, be linked to my XXXX XXXX account. \n\nXXXX XXXX and Billing Concerns It has come to my attention that fraudulent deposits marked as child support are being associated with my XXXX XXXX account. I also see discrepancies in my billing statements, with statements showing XXXX, OH as the merchant location, while my receipts indicate XXXX, NC. This inconsistency raises serious concerns about the integrity of these charges and possible unauthorized use. \n\nFurthermore, I have noted unusually high energy bills when our lights are on, which directly affects my familys health, as we experience symptoms of sickness when lights are used for extended periods. This unusual billing and possible connection with external deposits must be investigated, as it suggests potential fraudulent activity that could jeopardize our energy security. \n\nRequest for XXXX XXXX I am asking XXXX XXXX to take immediate steps to : XXXX. Remove fraudulent emails ( XXXX and XXXX ) and phone numbers associated with my account. \nXXXX. Correct my address history by either removing XXXX XXXX XXXX or adding legitimate past addresses under my old identity. \nXXXX. Investigate and remove unauthorized accounts or deposits connected to names used fraudulently, including aliases associated with my childrens names. \nXXXX. Examine discrepancies in billing statements and merchant location data, as these XXXX indicate unauthorized activity affecting my account. \n\nMy family depends on XXXX XXXX secure and reliable service, and any errors or fraud in our records directly impact our daily lives and well-being. I trust that XXXX XXXX will investigate and resolve these issues quickly to ensure the integrity of our account and the safety of our home. \nI am detailing the complex misuse of my identity and records by family members, which has led to financial and legal confusion. \n\nXXXX. Address and XXXX Records : Although my sister does not use my address with XXXX, XXXX with the Department of XXXX and XXXX XXXX XXXX XXXX ) XXXX her under my address. This has led to a mix-up, as the court records show payments from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the determination of who is responsible for certain obligations. \nXXXX. Medical Record Number ( XXXX ) Discrepancies : At the hospital, I am listed under XXXX separate MRNsone for XXXX XXXX and another for XXXX XXXX XXXX. My sons XXXX was also changed without my consent. These discrepancies suggest attempts to use our medical records to forge identities or claim benefits fraudulently. \nXXXX. IRS Form XXXX Corrections : In XX/XX/XXXX, I received XXXX corrected IRS Forms XXXX, despite no legitimate reason for such changes. This suggests manipulation of our records, possibly to alter tax or insurance status. \nXXXX. Tax Filing Irregularities : I filed with XXXX XXXX XXXX XXXX XXXX and expected a refund of {$6200.00} ; however, I only received {$5100.00}. I believe my sons father manipulated tax information, possibly claiming benefits as the head of household. Despite records showing my daughter is the head of household, corrections continue to misclassify this status. \nXXXX. XXXX XXXX and XXXX Discrepancies : My sons financial deposit history begins with XXXX, identical to numbers found in XXXX records for liens and judgments related to me as a victim. Previous checks issued to me as restitution for victimization are now missing, and XXXX Carolinas Disbursement Unit ( SC SDU ) is not recording deposits to my account ( XXXX ), though some deposits appear in FHE format ( indicating possible child support or benefits for family household expenses ). \n\nThe extensive misuse of my personal information, medical and tax records, and financial deposits has caused both personal and financial harm. I am seeking thorough investigation and corrective action. \nI am filing this complaint to report extensive fraud involving forged medical and financial records linked to my family. Specifically, my sons XXXX, XXXX XXXX XXXX, and other family members have allegedly altered my childrens medical records at XXXX XXXX and XXXX XXXX under my former name, XXXX XXXX. Theyve manipulated record numbers and listed incorrect dates of service, even though XXXX XXXX lived in XXXX since XXXX. Furthermore, I have evidence showing XXXX distinct medical record numbers for XXXX XXXX and XXXX XXXX XXXX. \nXXXX recently won a {$200000.00} lawsuit at XXXX XXXX. Additionally, when he falsely accused me of criminal domestic XXXX ( XXXX ), the public index records show my name twice instead of his, further indicating fraudulent misuse of my identity. I have also found evidence that XXXX signed as my sons birth parent, using fraudulent documents to access benefits and funds without my consent. \nI also uncovered misuse of XXXX benefits in our medical records, falsely indicating absent parent support. In the Child Support Portal, over {$1000.00} in payments meant for my son has been held by the South Carolina State Disbursement Unit without explanation. Additionally, it appears my tax returns were forged and intercepted, with {$5100.00} issued on a fraudulent check from XXXX & XXXX XXXX XXXX instead of the original {$6200.00} owed. \nI have evidence suggesting a XXXX XXXX account was linked to my Treasury XXXX account under my new identity without my authorization. Despite removing certain addresses, XXXX and XXXX XXXX XXXX records show XXXX continued to use my address. The ongoing manipulation of my records has been substantiated by documents, and my XXXX data was also accessed without permission. I am seeking corrective action and an investigation into these fraudulent activities, which have left me financially compromised. \n\n\nSubject : Urgent Report of Financial and Privacy Violations, Medical Record Manipulation, and Fraudulent Activity To Whom It XXXX Concern, I am writing to urgently bring to your attention a series of serious violations and fraudulent activities that have caused significant financial hardship, emotional distress, and breaches of privacy for both myself and my children. We have become victims of what appears to be a carefully orchestrated scheme involving unauthorized access to medical records, misuse of personal information, and the misallocation of benefits. The following outlines in detail the specific violations, the individuals involved, and the detrimental impact this has had on our lives. \n\nXXXX. XXXX XXXX XXXX and Misdiagnosis My sons medical records at XXXX XXXX reveal troubling discrepancies, particularly an instance where his father, XXXX XXXX XXXX, signed as the patient for a visit. He did not sign as the legal guardian or authorized representativehe signed as if he were my son, which is neither accurate nor authorized. Additionally, my sons medical record number for this visit does not match the number assigned to him at birth. This inconsistency raises serious concerns about tampering and unauthorized access to our medical records. \n\nFurther, I suffered a XXXX in XX/XX/XXXX. However, records at XXXX XXXX XXXX ( connected to XXXX XXXX and XXXX XXXX ) indicate my son was admitted for hemiplegic migraines on the exact dates of my hospitalization, suggesting either gross error or intentional misrepresentation. This not only complicates my own diagnosis but has led to an inappropriate medical history being attached to my son. \n\nXXXX. Financial Hardship and Incorrect XXXX Benefit Allocation Recently, the Social Security XXXX reduced my sons XXXX benefits, citing funds he supposedly received from his father, who has not made any child support payments for over XXXX months. Despite my providing evidence of this nonpayment, the XXXX has continued to decrease his benefits. This financial burden has caused me great hardship and confusion, especially as my sons fathers unpaid child support was supposed to be offset against my tax refund, which was delayed for XXXX months and ultimately arrived short by over {$2000.00}. \n\nAdditionally, the Department XXXX XXXX XXXX ( XXXX ) has been deducting child support for XXXX, yet only for my son, XXXX, and not my other child. XXXX claimed no offset was done, which conflicts with earlier communications. It has also come to my attention that my insurance through XXXX XXXX XXXX XXXX XXXX, XXXX assurances from XXXX administrators XXXX I owe no TANF obligations. This misrepresentation of benefits further amplifies my financial distress. \n\nXXXX. XXXX XXXX and XXXX XXXX Evidence suggests that someone XXXX have gained unauthorized access to my online records and accounts. My IP address has shown unusual access points from XXXX, where my sons father resides. In XXXX, someone using a XXXX device accessed my XXXX account without my authorization, specifically connected to XXXX XXXX. I have explained these issues to the Department of Treasury and the Department of XXXX, but the concerns persist. \n\nAdditionally, a detective revealed that my sister had used my address with the Department XXXX XXXX and XXXX XXXX, although her name does not appear in the XXXX system. Her use of my address for state services could be contributing to the financial and identity confusion affecting us. This misuse of my address and personal information by family members, combined with unauthorized access to my accounts, suggests a significant compromise of my personal privacy and civil rights. \n\nXXXX. Forgery, Misrepresentation, and Potential Financial Gain On XX/XX/XXXX, my sister reportedly forged my signature, making it appear that my son was in the hospital at the same time I was. This forged record enabled further manipulation of our medical history and potentially allowed for financial claims I did not authorize. In addition, school records have inexplicably reversed the roles between myself and my daughter, listing me as the student and her as the parent, which further indicates identity tampering and misrepresentation. \n\nSubjects Involved and Methods Used XXXX XXXX XXXX : Used my sons medical information, signing as the patient at XXXX XXXX without authorization. The motives appear to be tied to manipulating medical records and possibly accessing benefits fraudulently. \nMy Sister : Forged my signature, used my address with the Department XXXX XXXX XXXX and XXXX, and XXXX have contributed to the ongoing misrepresentation issues with the XXXX and state agencies. \nDepartment XXXX XXXX XXXX ( XXXX ) : Deducted child support for XXXX but failed to apply it correctly, resulting in unexplained benefit misallocations and tax offset confusion. \n\nThese actions have collectively created a web of complications that leave XXXX vulnerable, financially strained, and emotionally distressed. Our rights to privacy, fair treatment, and accurate benefits allocation have been compromised. The effects of these ongoing issues are profound and have disrupted every aspect of our lives, leading to financial instability and unwarranted emotional trauma. \n\nRequest for Urgent Intervention I urge your office to investigate the following : Unauthorized Medical Record Access and Forgery : Violations under XXXX due to unauthorized changes and access to medical records. \nSocial Security XXXX : Manipulation of XXXX benefits and associated financial documents, resulting in incorrect benefit allocation. \nXXXX XXXX : Potential manipulation of child support payments, XXXX misallocation, and missing tax offsets. \nIdentity Theft and Impersonation : Fraudulent use of my address and unauthorized access to my records, resulting in compromised privacy and civil rights violations. \nWe have become victims treated as criminals, facing unwarranted scrutiny and reduction in necessary benefits. I respectfully ask for an in-depth investigation to provide relief, clarity, and accountability for those responsible. Thank you for your attention to this matter, and I look forward to your prompt response.","date_sent_to_company":"2024-11-09T19:30:12.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"296XX","tags":"Servicemember","has_narrative":true,"complaint_id":"10741046","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-09T18:41:16.000Z","state":"SC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subject : Urgent Report of Financial and Privacy Violations, Medical Record Manipulation, and Fraudulent Activity To Whom It XXXX Concern, I am writing to urgently bring to <em>your</em> attention a <em>series</em> of serious violations and fraudulent activities that have caused significant financial hardship, emotional distress, and breaches of privacy for both myself and my children."],"issue":["Improper use of <em>your</em> report"],"sub_issue":["Reporting company used <em>your</em> report improperly"]},"sort":[7.769614,"10741046"]},{"_index":"complaint-public-v1","_id":"3301086","_score":7.732795,"_source":{"product":"Debt collection","complaint_what_happened":"My First & LAST name, My Street NUMBER & Street NAME, and My City and State are as Follows : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Tennessee TODAY IS XX/XX/2019 ****To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to misreport any misinformation now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles. \n\n( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights ( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( e ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right MY PERSONAL 20-digit TRACKING NUMBER IS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX \nXXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX RE : ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. \n\n\nTo whom it might concern, I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, fcra compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : You have listed an inaccurate Public Record on my credit file. I need to have it removed as soon as possible. I am filing this dispute of the Public Record Information that you are providing under FCRA 611 ( a ) ( 7 ) that specifically requires a description of the procedure used by your agency in providing and obtaining this particular public record including if this was obtained by a third party Information Broker and if the information was provided in Metro-2 format and updated by the information provider to include complete personal identifiers including Full Legal Name and Address. I have been advised by my family attorney that his investigation of this erroneous public record leads him to believe that your firm has MIXED my file information and inappropriately assigned this public record to my credit report. \nHere is the erroneous record you are reporting. \nThe following allegations each require immediate deletion, do so now and here! Below are the accounts in question : To date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office provides verification or validation requests by electronic means for civil judgments or liens? Unless you have evidence to the contrary, you absolutely can not logically confirm any information and as a legal mandate the record of unproven truth, correctness and compliance must be eradicated immediately without delay and or injuries versus me as a consumer within my lawful consumer and civil rights to do so. \nI am attempting to confirm the testimonial composed certificate to the every single one even each any and or all of facts to the truth, accuracy, completeness and compliance ( including even to Metro 2 data field formatted reporting ) of the process and procedure used in your office for the alleged validation and verification of any and all Liens ( be it state tax lien, federal tax lien, civil lien, property lien, mechanics lien, and or lien else wise, mentioned here or not ) and Judgments ( again be it civil, federal, or even lawfully criminal should you be so derelict of dutiful responsible and reliable reporting that you might be considered an enabler of fraud and or identity theft. Being the severe and sensitive nature of this here formal consumer complaint, your obligation at a minimum would include you could assuredly physically and manually reviewing and thereafter genuinely answering the following questions to irrefutably clarify a legal situation for me. \nTo date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office provides verification any of the Personal Information such as correct name, address or Date of birth for validation inquirys? \n\nI am of great confidence you do realize and abide by such understanding that any and all parties reporting debt ( s ) and or derogatory credit information must respond to consumer inquiries. All parties reporting credit information must comply with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), any applicable state laws and regulatory authorities. Any data furnisher claiming and alleged consumer debt and or derogatory otherwise must truthfully, correctly, completely and proven compliantly report the Date of First Delinquency is used to comply with FCRA sections 605 and 623 ( obsolescence period ). Testimony now to the fullness of adequate reporting of the Date Of First Delinquency here and now in composed writ document of certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place.\n\nTo date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office provides information related to how long any such court Clerk 's office maintains records of civil actions?\n\nTo date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office provides answer written requests for validation of civil judgments or liens?\n\nAny and all Third Party Collection Agency ( s ) is ( are ) a company ( ies ) or individual ( s ) who specializes in collecting outstanding debts for other businesses or individuals, therefore meet the minimum criteria for being compelled to be and only be true, accurate, complete, timely, and metro 2 compliant reliably and minus uncertainty. Any and all Debt Purchaser ( s ) / Factoring Company ( s ) is ( are ) a company ( ies ) or individual ( s ) who regularly purchases accounts with the intent of collecting debts owed and or reporting any claim of derogatory otherwise, .therefore meet the minimum criteria for being compelled to be and only be true, accurate, complete, timely, and metro 2 compliant reliably and minus uncertainty. Testimony now to the fullness of adequate reporting here and now in composed writ document of the certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place. \nAny and all data furnisher ( s ) claiming any and all alleged consumer debt ( s ) and or derogatory otherwise must truthfully, correctly, completely and proven compliantly report data in the standard Metro 2 Format. Testimony now to the fullness of adequate standard Metro 2 Format reporting here and now in composed writ document of the certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place. 6-Will your Clerk 's office respond to telephone inquiries about civil judgments or liens? \nAny and all data furnisher ( s ) claiming any and all alleged consumer debt ( s ) and or derogatory otherwise must truthfully, correctly, completely and proven compliantly report at least on a monthly basis. Testimony now to the fullness of adequate monthly standard Metro 2 Format reporting here and now in composed writ document of certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place.\n\nAny and all data furnisher ( s ) claiming any and all alleged consumer debt ( s ) and or derogatory otherwise must truthfully, correctly, completely and proven compliantly report the complete name, address and social security number of the legally liable consumer ( s ), using the joint section for reporting secondary names. Testimony now to the fullness of adequate standard Metro 2 Format reporting including exacting compliantly reported complete name, address and social security number of the legally liable consumer ( s ), using the joint section for reporting secondary names here and now in composed writ document of certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place. Any data furnisher claiming and alleged consumer debt and or derogatory otherwise must report the individual 's complete and unique account number as extracted from the alleged consumers file. Testimony now to the fullness of adequate standard Metro 2 Format reporting including the alleged consumers complete and unique number as extracted from the same identified and exact alleged consumer here and now in composed writ document of certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place.\n\nTo date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office participates with or is a member of an electronic system that allows other agencies or private parties to validate or verify court information? Unless you have evidence to the contrary, you absolutely can not logically confirm any information and as a legal mandate the record of unproven truth, correctness and compliance must be eradicated immediately without delay and or injuries versus me as a consumer within my lawful consumer and civil rights to do so. \n\nThe FOLLOWING reporting derogatory allegations of information are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated immediately, do so TODAY, even right NOW! The obvious infractions are as follows : COURT # 1 OF RECORD-DOCKET NUMBER or ACTION NUMBER-DATE FILED XXXX XXXXXX/XX/2019 Notation : : Please Provide Physical Proof of COMPLIANCE and Verification NO ENTITY may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY OF TRUTH, ACCURACY, COMPLETENESS, AND COMPLIANCE TO METRO2 SO PROVE NOW OR DELETE THE CLAIM To date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office provides Validate or Verify information requests from 3rd Parties? Unless you have evidence to the contrary, you absolutely can not logically confirm any information and as a legal mandate the record of unproven truth, correctness and compliance must be eradicated immediately without delay and or injuries versus me as a consumer within my lawful consumer and civil rights to do so.\n\nAny data furnisher claiming and alleged consumer debt and or derogatory otherwise must truthfully, correctly, completely and proven compliantly report the internal code ( s ) that unmistakably identifies every and one even each any and or all of the third party collection agency ( ies ) /debt purchaser ( s ) /factoring company (\nies ) where information is certified to be lawfully and irrefutably proven verified. Testimony now to the fullness of adequate standard Metro 2 Format reporting of the internal code ( s ) including exacting compliantly reported complete name, address and social security number of the legally liable consumer ( s ), using the joint section for reporting secondary names here and now in composed writ document of certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place.\n\n9-Does your Clerk 's office report public information and Data in the Metro-2 format? \n\nThank you sincerely for your TIME and answers to my questions. I have included a self-addressed stamped envelope with my letter today, if you would be so kind to sign and title the response and place it in the envelope and return it to the outgoing mail it would be greatly appreciated. \n\n\n\n\n\nMight it be known that THIS LETTER of consumer check and challenge for lawful reporting compliance is my officially composed writ formal complaint that you are reporting one or more of the following, ILLEGALLY mind you : i ) Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \n\nii XXXX Your reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\n\niii ) Your reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\n\niv ) Your reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\n\nv ) Your reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable )\n, so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\n\nvi ) Your reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\n\nvii ) Your reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\n\nviii ) Your reporting is unproven to be of CRSA enacted CDIA METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\n\nInjury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and permanent deletion any or even one not irrefutable allegation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws\nrelated and pertinent to legal reporting of any information, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 statements, al\npha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.\n\n1. Tell me in writing what information you refuse to remove and why.\n\n2. Tell me in writing what you did to determine that the information was accurate.\n\n3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.\n\nAccording to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. \nPlease notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at the\naddress noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization.\n\nFURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address input entry and or application of Slash Entries ( such as 11111 or 00000, etc ) into the Metro 2 system is an automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( XXXX ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per CRSA implementation, if a data furnisher fails to respond within20 calendar days, XXXX is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied evenly and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?\n\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!\n\nPlease verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection.\n\nThis series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below. \n\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the NCRWG, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories.\n\nBy the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.\n\nPlease send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. \nThank you for your time and help in this matter. Sincerely, XXXX XXXX","date_sent_to_company":"2019-07-09T23:28:07.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"37122","tags":null,"has_narrative":true,"complaint_id":"3301086","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2019-07-09T23:28:04.000Z","state":"TN","company_public_response":null,"sub_issue":"Sued you in a state where you do not live or did not sign for the debt"},"highlight":{"complaint_what_happened":["I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting <em>your</em> organization.\n\nFURTHER, <em>CONFIRM</em> the five key components of our individual <em>identities</em> in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of <em>identity</em> theft due to <em>YOUR</em> DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers."]},"sort":[7.732795,"3301086"]},{"_index":"complaint-public-v1","_id":"3301083","_score":7.724405,"_source":{"product":"Debt collection","complaint_what_happened":"My First & LAST name, My Street NUMBER & Street NAME, and My City and State are as Follows : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Tennessee TODAY IS XXXX XX/XX/2019 ****To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to misreport any misinformation now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles. \n\n( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights ( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( e ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right MY PERSONAL 20-digit TRACKING NUMBER IS : XXXX XXXX XXXX XXXX XXXX XXXX MALEN &   ASSOCIATES , P.C . \nXXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX RE : ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. \n\n\nTo whom it might concern, I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, fcra compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : You have listed an inaccurate Public Record on my credit file. I need to have it removed as soon as possible. I am filing this dispute of the Public Record Information that you are providing under FCRA 611 ( a ) ( 7 ) that specifically requires a description of the procedure used by your agency in providing and obtaining this particular public record including if this was obtained by a third party Information Broker and if the information was provided in Metro-2 format and updated by the information provider to include complete personal identifiers including Full Legal Name and Address. I have been advised by my family attorney that his investigation of this erroneous public record leads him to believe that your firm has MIXED my file information and inappropriately assigned this public record to my credit report. \nHere is the erroneous record you are reporting. \n\nThe following allegations each require immediate deletion, do so now and here! Below are the accounts in question : To date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office provides verification or validation requests by electronic means for civil judgments or liens? Unless you have evidence to the contrary, you absolutely can not logically confirm any information and as a legal mandate the record of unproven truth, correctness and compliance must be eradicated immediately without delay and or injuries versus me as a consumer within my lawful consumer and civil rights to do so. \nI am attempting to confirm the testimonial composed certificate to the every single one even each any and or all of facts to the truth, accuracy, completeness and compliance ( including even to Metro 2 data field formatted reporting ) of the process and procedure used in your office for the alleged validation and verification of any and all Liens ( be it state tax lien, federal tax lien, civil lien, property lien, mechanics lien, and or lien else wise, mentioned here or not ) and Judgments ( again be it civil, federal, or even lawfully criminal should you be so derelict of dutiful responsible and reliable reporting that you might be considered an enabler of fraud and or identity theft. Being the severe and sensitive nature of this here formal consumer complaint, your obligation at a minimum would include you could assuredly physically and manually reviewing and thereafter genuinely answering the following questions to irrefutably clarify a legal situation for me. \nTo date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office provides verification any of the Personal Information such as correct name, address or Date of birth for validation inquirys? \n\nI am of great confidence you do realize and abide by such understanding that any and all parties reporting debt ( s ) and or derogatory credit information must respond to consumer inquiries. All parties reporting credit information must comply with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), any applicable state laws and regulatory authorities. Any data furnisher claiming and alleged consumer debt and or derogatory otherwise must truthfully, correctly, completely and proven compliantly report the Date of First Delinquency is used to comply with FCRA sections 605 and 623 ( obsolescence period ). Testimony now to the fullness of adequate reporting of the Date Of First Delinquency here and now in composed writ document of certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place. \nTo date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office provides information related to how long any such court Clerk 's office maintains records of civil actions?\n\nTo date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office provides answer written requests for validation of civil judgments or liens?\n\nAny and all Third Party Collection Agency ( s ) is ( are ) a company ( ies ) or individual ( s ) who specializes in collecting outstanding debts for other businesses or individuals, therefore meet the minimum criteria for being compelled to be and only be true, accurate, complete, timely, and metro 2 compliant reliably and minus uncertainty. Any and all Debt Purchaser ( s ) / Factoring Company ( s ) is ( are ) a company ( ies ) or individual ( s ) who regularly purchases accounts with the intent of collecting debts owed and or reporting any claim of derogatory otherwise, .therefore meet the minimum criteria for being  compelled to be and only be true, accurate, complete, timely, and metro 2 compliant reliably and minus uncertainty. Testimony now to the fullness of adequate reporting here and now in composed writ document of the certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place. \nAny and all data furnisher ( s ) claiming any and all alleged consumer debt ( s ) and or derogatory otherwise must truthfully, correctly, completely and proven compliantly report data in the standard Metro 2 Format. Testimony now to the fullness of adequate standard Metro 2 Format reporting here and now in composed writ document of the certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place. 6-Will your Clerk 's office respond to telephone inquiries about civil judgments or liens?\n\nAny and all data furnisher ( s ) claiming any and all alleged consumer debt ( s ) and or derogatory otherwise must truthfully, correctly, completely and proven compliantly report at least on a monthly basis. Testimony now to the fullness of adequate monthly standard Metro 2 Format reporting here and now in composed writ document of certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place. \nAny and all data furnisher ( s ) claiming any and all alleged consumer debt ( s ) and or derogatory otherwise must truthfully, correctly, completely and proven compliantly report the complete name, address and social security number of the legally liable consumer ( s ), using the joint section for reporting secondary names. Testimony now to the fullness of adequate standard Metro 2 Format reporting including exacting compliantly reported complete name, address and social security number of the legally liable consumer ( s ), using the joint section for reporting secondary names here and now in composed writ document of certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place. Any data furnisher claiming and alleged consumer debt and or derogatory otherwise must report the individual 's complete and unique account number as extracted from the alleged consumers file. Testimony now to the fullness of adequate standard Metro 2 Format reporting including the alleged consumers complete and unique number as extracted from the same identified and exact alleged consumer here and now in composed writ document of certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place. \nTo date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office participates with or is a member of an electronic system that allows other agencies or private parties to validate or verify court information? Unless you have evidence to the contrary, you absolutely can not logically confirm any information and as a legal mandate the record of unproven truth, correctness and compliance must be eradicated immediately without delay and or injuries versus me as a consumer within my lawful consumer and civil rights to do so. \n\nThe FOLLOWING reporting derogatory allegations of information are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated immediately, do so TODAY, even right NOW! The obvious infractions are as follows : COURT # 1 OF RECORD-DOCKET NUMBER or ACTION NUMBER-DATE FILED XXXX XXXX-XX/XX/2019 Notation : : Please Provide Physical Proof of COMPLIANCE and Verification NO ENTITY may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY OF TRUTH, ACCURACY, COMPLETENESS, AND COMPLIANCE TO METRO2 SO PROVE NOW OR DELETE THE CLAIM To date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office provides Validate or Verify information requests from 3rd Parties? Unless you have evidence to the contrary, you absolutely can not logically confirm any information and as a legal mandate the record of unproven truth, correctness and compliance must be eradicated immediately without delay and or injuries versus me as a consumer within my lawful consumer and civil rights to do so. \n\nAny data furnisher claiming and alleged consumer debt and or derogatory otherwise must truthfully, correctly, completely and proven compliantly report the internal code ( s ) that unmistakably identifies every and one even each any and or all of the third party collection agency ( ies ) /debt purchaser ( s ) /factoring company ( ies ) where information is certified to be lawfully and irrefutably proven verified. Testimony now to the fullness of adequate standard Metro 2   Format reporting of the internal code ( s ) including exacting compliantly reported complete name, address and social security number of the legally liable consumer ( s ), using the joint section for reporting secondary names here and now in composed writ document of certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place. \n9-Does your Clerk 's office report public information and Data in the Metro-2 format? \n\nThank you sincerely for your TIME and answers to my questions. I have included a self-addressed stamped envelope with my letter today, if you would be so kind to sign and title the response and place it in the envelope and return it to the outgoing mail it would be greatly appreciated. \n\n\n\n\n\nMight it be known that THIS LETTER of consumer check and challenge for lawful reporting compliance is my officially composed writ formal complaint that you are reporting one or more of the following, ILLEGALLY mind you : i ) Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \n\nii ) Your reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \n\niii ) Your reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \n\niv ) Your reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \n\nv ) Your reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \n\nvi ) Your reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\n\nvii ) Your reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \n\nviii ) Your reporting is unproven to be of CRSA enacted CDIA METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \n\nInjury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and permanent deletion any or even one not irrefutable allegation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s )  by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.\n\n1. Tell me in writing what information you refuse to remove and why.\n\n2. Tell me in writing what you did to determine that the information was accurate.\n\n3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. \nAccording to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. \nPlease notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at the address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. \nFURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address input entry and or application of Slash Entries ( such as 11111 or 00000, etc ) into the Metro 2 system is an automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per CRSA implementation, if a data furnisher fails to respond within20 calendar days, XXXX is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2   compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2  data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied evenly and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2  COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE? \n\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE! \n\nPlease verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection. \n\nThis series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below. \n\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the NCRWG, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. \n\nBy the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. \n\nPlease send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. \nThank you for your time and help in this matter. Sincerely, XXXX XXXX","date_sent_to_company":"2019-07-09T23:28:01.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"37122","tags":null,"has_narrative":true,"complaint_id":"3301083","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Malen & Associates, p.c.","date_received":"2019-07-09T23:05:43.000Z","state":"TN","company_public_response":null,"sub_issue":"Sued you in a state where you do not live or did not sign for the debt"},"highlight":{"complaint_what_happened":["I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting <em>your</em> organization. \nFURTHER, <em>CONFIRM</em> the five key components of our individual <em>identities</em> in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of <em>identity</em> theft due to <em>YOUR</em> DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers."]},"sort":[7.724405,"3301083"]},{"_index":"complaint-public-v1","_id":"3848224","_score":7.691456,"_source":{"product":"Debt collection","complaint_what_happened":"Complaint against XXXX XXXX  and CoreLogic for damages and return of stolen property. \n\nDear CFPB, I am a victim of XXXX XXXX illegal securitization and foreclosure practices and conspiracy with XXXX XXXX XXXX ( XXXX ) /XXXX XXXX ( former XXXX XXXX XXXX ( XXXX  ) ) and their subsidiary /XXXX, XXXX and CoreLogic, owner of XXXX, who flooded US Courts with forged documents about non-existing sales of mortgages which never happened in the real life. \n\nIn reality, XXXX XXXX, XXXX/XXXX/XXXX, XXXX (  current GA corporation ) and CoreLogic operate a highly criminal enterprise though their XXXX  ( owned by XXXX/XXXX XXXX ) and XXXX  system ( owned by CoreLogic ) where Big Investment Banks like XXXX XXXX   manipulate DATA (  information ) about borrowers identity and their loans. \n\nXXXX/CoreLogic hire lawyers acting via email distribution of records to originate foreclosures for designated by XXXX/CoreLogic Plaintiffs. \n\nXXXX/CoreLogic, who are acting on behalf of their clients, Big Investment Banks who are assigned certain IDs to access the system ( XXXX XXXX ID is XXXX ), prepare forged documents which they email to foreclosure mill lawyers ( who do not even know for whom they work because lawyers do not have any contact with clients and receive their fees via XXXX/XXXX. \n\nThese documents are massively filed in the Court on behalf of designated by XXXX/CoreLogic Plaintiffs, non-existing Trusts who help Big Banks to steal homes as a revenue for XXXX XXXX   under glimpse of repayment debt to investors, who are unsecured creditors for Big Banks. \n\nThe actual loans are never sold and in fact are destroyed at the origination so no one company ( special Trust and Trustees who appear in the Court ) does not have these loans in their accounting books to help XXXX XXXX to avoid violations for lending practices. \n\nStatement of Facts : On XX/XX/XXXX I entered into a contract which appeared to be a Contract for mortgage to finance a property with purportedly XXXX XXXX XXXX XXXX  who posed as a Lender. \n\nIn reality, the real purpose of this transaction was a PURCHASE from ME a security instrument ( Promissory Note and Mortgage ) by XXXX XXXX who operated a fraudulent securitization scheme by selling UNSECURED bonds to Investors issued under street name. See Prosepctus of  XXXX. \n\nThe performance of these Notes was not attached to any Mortgages or parts of any mortgages but solely on Index performances which is manipulated by the same banks who issue bonds. \n\nMoreover, XXXX XXXX purchased insurance contracts that certain events in the group of notes will fall. These events were specifuically designed by XXXX XXXX when they placed their bets with Insurers like XXXX, and XXXX collected handsome {$50.00} Billion profits from the bailout. \n\nAs discussed in the accompanying prospectus, the notes are indexed debt securities and are part of a series of debt securities entitled Medium-Term Notes, Series B issued by The XXXX XXXX   XXXX XXXX XXXX. The notes will rank equally with all other unsecured and unsubordinated debt of The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX provided XXXX with a giant line of credit to use for purchases of initial security instrument Promissory Note from the borrower which was instantly converted into DATA via XXXX/XXXX  and sold to investors as unsecured bonds. \n\nXXXX, who never was a lender or a Servicer of any Trusts, received a fee for participating in XXXX XXXX scheme and was removed from the business in XXXX when XXXX  did not need them anymore. \n\nSee Trust XXXX XXXX Pooling and Servicing Agreement where XXXX XXXX confirmed to be the Issuer of usecured bonds ; and described how XXXX XXXX DESIRES to buy mortgages which XXXX DESIRES to sell ; and how all documents and transfers SHALL be handled. \n\nWhat is the condition subsequent? acquisition of loans. What does the agreement do? Nothing until the loans are acquired. When are the loans acquired? Never. \nXXXX never sold any loans to XXXX simply because XXXX never had any loans to sell ; and nothing was pooled in any Trusts which were either never formed or formed as a scam conduit to XXXX. See citation below. * Note that None of this matters until AFTER loans are acquired. Legal acquisition of a debt occurs in only one way : PAYMENT in exchange for conveyance of ownership. If it refers to an event that is not recited as having already occurred, or a transaction that is not specifically identified such that one could easily determine if the event had already occurred, the document is worthless unless and until evidence is introduced proving that the event occurred. \nWhere can this agreement be found? Sec.gov. Why was it uploaded? So lawyers in foreclosure cases could claim judicial notice of what appeared to be a government document when in fact the investment banks were taking advantage of a loophole that allows them to upload documents that are not reviewed, approved or controlled in any way. \nThe only proof that matters is the payment of value for the underlying debt or obligation. No such transaction exists because the only people who paid value were investors and all they received was an unsecured IOU ( certificate/mortgage bond ) from the investment bank. They did not receive ownership or any right, title or interest to any loan because they didnt want it. \nThe same is true for the investment bank and everyone else. That is why they can claim they are not lenders and therefore not subject to claims of violations of lending laws. And THAT is why if you ask for proof of purchase of the loan you will get nothing but obfuscation and lies. \nThe same lesson holds true for servicer records. Are they the servicer? Only if they are administering a credit account for a creditor. If there is no account there is no creditor. If there is no creditor there can be no servicer. If there is no account there can be no claim of loss in that account. \nXXXX XXXX profits from trading backed by my information unsecured Notes was about {$180.00} per {$1.00} they spent to purchase my signature on the Note. \n\nMy loan was never purchased or placed on any account of any Company. As of today nobody owns my so-called loan. \n\nIn XX/XX/XXXX, when Big Banks fraud and forgery surfaced, DOJ entered a fictitious Cease and Desist Order about which Big Banks were aware in advance when they adjusted their fraudulent foreclosures tactics. \n\nAs soon as the ink dried on all Orders, XXXX XXXX, XXXX and CoreLogic flooded the entire Court system with illegal foreclosures. The only new restriction was foreclosures must not be filed in the name of MERS. See XXXX XXXX/XXXX/CoreLogic  Foreclosures manual. \n\nIn XX/XX/XXXX XXXX XXXX XXXX XXXX/CoreLogic hired law firm XXXX XXXX XXXX , XXXX ( XXXX ) to whom they provided the name of designated Plaintiff XXXX XXXX  and forged Assignment prepared by purportedly XXXX  (  bankrupt since XXXX ). \n\nXXXX had no idea who are their clients and who pay them legal fees, it was all done via emails and codes on XXXX/XXXX. \nFor example take a look at this from XXXX XXXX : As of XX/XX/XXXX, all new referrals will be sent through XXXX instead of XXXX. XXXX referrals can be identified by the XXXX step, REFERRED IN XXXX on the XXXX screen in XXXX. You will still have loans that were previously referred through XXXX that should continue being processed during this time. Reports You will receive several daily, weekly, and monthly reports to assist you in effectively monitoring and processing of your portfolio. The reports will be listed within the appropriate section of the manual. Effective XX/XX/XXXX, for attorneys, the reports will be uploaded to your XXXX mailbox. First, refer to your Transmission Confirmation Document. Then, access your Prod URL. Finally, key in your Universal ID/LogonID. For liaisons, the reports will be in the XXXX folder on the shared drive. Reports are to be considered either reference or action required. Reference reports are meant to give a status of the portfolio.\n\nAction required reports alert you of a task that needs to be performed. The following reports are meant to give you a general overview of the status of your portfolio. \n\n\nOn XX/XX/XXXX XXXX lawyers presented ANOTHER version of forged Note provided to them by XXXX/XXXX/XXXX or CoreLogic/XXXX. \n\nThis original was never given to me and never filed with the Court due to Judge XXXX criminal concealment of these key documents ( which suggests a systemic bribery of Judges by XXXX XXXX and their co-conspirators ) In XX/XX/XXXX realtor XXXX XXXX, who also did not know whom he is serving and who is his client ( he received referrals for sales from XXXX/XXXX  ) sold my property acting as representative for XXXX XXXX  and a Board of Directors ( non-existing ) of non-existing Trust. \n\nAs the result, I suffered significant damages and severe emotional distress while XXXX XXXXCoreLogic and Big Banks continue to operate the same criminal scheme as of today. \n\n\n\nEXHIBIT O XXXX PURCHASE AGREEMENT ================================================================================ AMENDED AND RESTATED FLOW MORTGAGE LOAN PURCHASE AND WARRANTIES AGREEMENT XXXX XXXX XXXX XXXX, Purchaser and XXXX XXXX XXXX XXXX Seller Dated as of XX/XX/XXXX Conventional Fixed and Adjustable Rate Residential Mortgage Loans FLOW MORTGAGE LOAN PURCHASE AND WARRANTIES AGREEMENT This AMENDED AND RESTATED FLOW MORTGAGE LOAN PURCHASE AND WARRANTIES AGREEMENT, dated as of XX/XX/XXXX ( \" Agreement '' ), by and between XXXX XXXX XXXX XXXX, a New York limited partnership, having an office at XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX ( the `` Purchaser '' ), and XXXX XXXX XXXX   XXXX having an office at XXXX XXXX XXXX XXXX, XXXX CA XXXX ( the \" Seller '' ). \n\nW I T N E S S E T H : WHEREAS, the Purchaser and Seller are parties to that certain Flow Mortgage Loan and Purchase Warranties Agreement, dated as of XX/XX/XXXX, as amended ( the \" Original Purchase Agreement '' ), pursuant to which the Seller desires to sell to the Purchaser, and, from time to time, the Purchaser desires to purchase from the Seller, certain fixed and adjustable rate first and second lien residential mortgage loans ( the \" Mortgage Loans '' ) on a servicing released basis as described herein, and which shall be delivered as a pool of whole loans on the dates as provided herein ( each, a \" Closing Date '' ) ; WHEREAS, at the present time, the Purchaser and the Seller desire to amend the Original Purchase Agreement to make certain modifications as set forthherein with respect to all Mortgage Loans acquired pursuant to this Agreement orthe Original Purchase Agreement. \n\nNOW, THEREFORE, in consideration of the premises and mutual agreements set forth herein, and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the Purchaser and the Seller agree as follows : Subsection 6.02 Books and Records. \n\nRecord title to each Mortgage as of the related Closing Date shall be in the name of the Seller, an Affiliate of the Seller, the Purchaser or one or more designees of the Purchaser, as the Purchaser shall select. \nNotwithstanding the foregoing, each Mortgage and related Mortgage Note shall be possessed solely by the Purchaser or the appropriate designee of the Purchaser, as the case may be. All rights arising out of the Mortgage Loans including, but not limited to, all funds received by the Seller after the related Cut-off Date on or in connection with a Mortgage Loan shall be vested in the Purchaser or one or more designees of the Purchaser ; provided, however, that all funds received on or in connection with a Mortgage Loan shall be received and held by the Seller in trust for the benefit of the Purchaser or the appropriate designee of the Purchaser, as the case may be, as the owner of the Mortgage Loans pursuant to the terms of this Agreement. \n\nThe sale of each Mortgage Loan shall be reflected on the Seller 's balance sheet and other financial statements as a sale of assets by the Seller. \n\nThe Seller shall be responsible for maintaining, and shall maintain, a complete set of books and records for each Mortgage Loan which shall be marked clearly to reflect the ownership of each Mortgage Loan by the Purchaser, which marking may be evidenced by a designation of electronic files or records maintained by the Seller in connection with each Mortgage Loan. In particular, to the extent required by applicable law, the Seller shall maintain in its possession, available for inspection by the Purchaser, and shall deliver to the Purchaser upon demand, evidence of compliance with all federal, state and local laws, rules and regulations. To the extent that original documents are not required for purposes of realization of Liquidation Proceeds or Insurance Proceeds, documents maintained by the Seller may be in the form of microfilm or microfiche.\n\nSubsection 6.03 Delivery of Mortgage Loan Documents. \n\nThe Seller shall deliver and release to the Custodian no later than three ( 3 ) Business Days prior to the related Closing Date the documents and instruments in the Mortgage File for each Mortgage Loan. \n\nThe Custodian shall certify its receipt of all such Mortgage Loan Documents required to be delivered pursuant to the Custodial Agreement for the related Closing Date, as evidenced by the certification and trust receipt of the Custodian in the form annexed to the Custodial Agreement. The Seller shall comply with the terms of the Custodial Agreement and the Purchaser shall pay all fees and expenses charged by the Custodian associated with the initial inventory and maintenance of the Mortgage Loan Documents. \n\nThe Seller shall forward to the Custodian, or to such other Person as the Purchaser shall designate in writing, original documents evidencing an assumption, modification, consolidation or extension of any Mortgage Loan entered into in accordance with this Agreement within two weeks of their execution, provided, however, that the Seller shall provide the Custodian, or to such other Person as the Purchaser shall designate in writing, with a certified true copy of any such document submitted for recordation within two weeks of its execution, and shall promptly provide the original of any document submitted for recordation or a copy of such document certified by the appropriate public recording office to be a true and complete copy of the original within 180 days of the related Closing Date. \n\nIn the event any document required to be delivered to the Custodian pursuant to the preceding paragraph, including an original or copy of any document submitted for recordation to the appropriate public recording office, is not so delivered to the Custodian, or to such other Person as the Purchaser shall designate in writing, within 180 days following the related Closing Date ( other than with respect to the Assignments of Mortgage which shall be delivered to the Custodian in blank on or prior to the related Closing Date and recorded subsequently by the Purchaser or its designee ), and in the event that the Seller does not cure such failure within 30 days of discovery or receipt of written notification of such failure from the Purchaser, the related Mortgage Loan shall, upon the request of the Purchaser, be repurchased by the Seller at the price and in the manner specified in Subsection 9.04. The foregoing repurchase obligation shall not apply in the event that the Seller can not deliver such original or copy of any document submitted for recordation to the appropriate public recording office within the specified period due to a delay caused by the recording office in the applicable jurisdiction, provided that ( i ) the Seller shall deliver a recording receipt of such recording office or, if such recording receipt is not available, an Officer 's Certificate of a servicing officer of the Seller, confirming that such documents have been accepted for recording ( upon request of the Purchaser and delivery by the Purchaser to the Seller of a schedule of the related Mortgage Loans, the Seller shall reissue and deliver to the Purchaser or its designee said Officer 's Certificate relating to the related Mortgage Loans ), and ( ii ) such document is delivered within twelve ( 12 )  months of the related Closing Date. \n\nThe Seller shall pay all initial recording, registration or transfer fees, if any, for the assignments of mortgage and any other fees or costs in transferring all original documents to the Custodian or, upon written request of the Purchaser, to the Purchaser or the Purchaser 's designee. The Purchaser or the Purchaser 's designee shall be responsible for recording the Assignments of Mortgage and shall be reimbursed by the Seller for the costs associated therewith pursuant to the preceding sentence. \n\nSubsection 6.04 Quality Control Procedures.\n\nThe Seller shall maintain an internal quality control program that verifies in a manner consistent with accepted industry procedures, on a regular basis, the existence and accuracy of the legal documents, credit documents, property appraisals, and underwriting decisions that the Seller maintain for other mortgage loans purchased, originated and serviced by the Seller. The program includes evaluating and monitoring the overall quality of the Seller 's loan production and the servicing activities of the Seller. The program ensures that the Mortgage Loans are originated and serviced in accordance with Accepted Servicing Practices and the Underwriting Guidelines, guards against dishonest, fraudulent, or negligent acts ; and guards against errors and omissions by officers, employees, or other authorized persons. \n\nSECTION 7. Servicing of the Mortgage Loans. \n\nThe Mortgage Loans shall be sold by the Seller to the Purchaser on a servicing released basis. Subject to, and upon the terms and conditions of this Agreement, with respect to the Mortgage Loans, the Seller hereby sells, transfers, assigns and delivers to the Purchaser, on the related Closing Date, the Servicing Rights with respect to the Mortgage Loans in the related Mortgage Loan Package. \n\nThe Purchaser shall retain the Seller as contract servicer of the Mortgage Loans for an interim period pursuant to and in accordance with the terms and conditions contained in the Interim Servicing Agreement ( with respect to each Mortgage Loan, for an interim period, as specified therein ). Pursuant to the Interim Servicing Agreement, the Seller shall begin servicing the Mortgage Loans on behalf of the Purchaser and shall be entitled to the Servicing Fee with respect to such Mortgage Loans from the related Closing Date until the termination of the Interim Servicing Agreement with respect to the related Mortgage Loans as set forth therein, but in no event shall the Seller receive less than 90 days of such compensation.","date_sent_to_company":"2020-09-16T10:28:38.000Z","issue":"Attempts to collect debt not owed","sub_product":"Mortgage debt","zip_code":"606XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3848224","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CORELOGIC INC","date_received":"2020-09-16T10:28:34.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["As discussed in the accompanying prospectus, the notes are indexed debt <em>securities</em> and are part of a <em>series</em> of debt <em>securities</em> entitled Medium-Term Notes, <em>Series</em> B issued by The XXXX XXXX   XXXX XXXX XXXX."],"sub_issue":["Debt was result of <em>identity</em> theft"]},"sort":[7.691456,"3848224"]},{"_index":"complaint-public-v1","_id":"13557462","_score":7.3972883,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLast 4 0f SSN: XXXXEquifax Information Services, LLC\\nXXXX XXXX XXXX GA XXXXATTN:EQUIFAX\\nRE: To Whom It May Concern,\\nI would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations\\nANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis-report any\\ninformation now or EVER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which\\ngoverns your practice or reporting consumer credit profiles.\\n1. I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If\\nANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing\\nupon my consumer rights.\\n2. I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be\\nreported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority\\nto retain or report without infringing upon my consumer rights.\\n3. I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY\\nplease DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my\\nconsumer rights.\\n4. I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be\\nreported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority\\nto retain or report without infringing upon my consumer rights.\\n5. I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not\\nauthorize or desire and other phone number to be reported or retained in my credit file. If ANY please DELETE NOW or\\nproduce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.\\n1. I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or\\nretained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or\\nreport without infringing upon my consumer rights.\\nTHE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL\\nAND STATE REQUISITE REPORTING\\nCOMPLIANCES TO INCLUDE METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING STANDARDS OF\\nEXACTNESS AND OR UNDENIABLE AND IRREFUTABLE UNDOUBTED PROOF IN REGARDS TO A DOCUMENTED\\nTESTIMONIAL CERTIFICATE OF FACTS AS TO THE CURRENT STATUS, TRUTH,\\nCORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIPS,\\nRESPONSIBILITIES, FCRA COMPLIANCE, AND OR METRO 2 COMPLIANT REPORTING. NO ENTITY RETAINS ANY\\nRIGHTS TO ERADICATE ITS LIABILITIES FOR INFRINGEMENT OF CONSUMER AND OR CIVIL RIGHTS WITH\\nINJURIOUS ,UNETHICAL, UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, OR ELSE WISE UNPROVEN TO BE\\nENTIRELY COMPLIANT REPORTING TO EVERY ASPECT OF MANDATED LAWS , REGULATIONS, PRECEDENCE,\\nAND OR STANDARDS OF ACCEPTABLE REPORTING PRACTICES. PLEASE ANNUL BY FULL AND PERMANENT\\nDELETION AND AND ALL ASPECTS OF THE FOLLOWING UNLAWFULLY AND NOT PROVEN COMPLIANT\\nALLEGATIONS:\\nPLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED NAMES OF:\\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FULTHER\\nPLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED ADDRESSES OFXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED TELEPHONE\\nNUMBERS/CONTACTS OF:XXXXPLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED EMPLOYERS OFXXXX XXXX XXXX XXXXPlease Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain\\nor report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and\\naccuracy of every and one even each any and all OF THE data aspects. Subterfuge is unlawful, I demand that you return to\\nor retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter.\\nMight it be known that THIS LETTER of consumer check and challenge for lawful reporting compliance is my officially\\ncomposed writ formal complaint that you are reporting one or more of the following, ILLEGALLY mind you:\\ni)Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allegations of which you report in\\nchicanery lead subterfuge.\\nii)Your reporting is unproven to be Correct (and regulations are CLEAR on accuracy being undoubted and irrefutable), so\\nlegally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\niii)Your reporting is unproven to be COMPLETE (and regulations are CLEAR on mandates to be fully COMPLETE in the\\napplication of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable), so legally\\nthere can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\niv)Your reporting is unproven to be TIMELY (and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in\\nthe application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable), so\\nlegally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\nv)Your reporting is unproven to be of MY OWNERSHIP (and regulations are CLEAR on mandates to be fully CONFIDENT in\\nthe assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of\\nexacting and reliably consistent precision of any data for reporting being undoubted and irrefutable) ,so legally there can be\\nno truth assumed to the allegations of which you report in chicanery lead subterfuge.\\nvi)Your reporting is unproven to be of MY RESPONSIBILITY(and regulations are CLEAR on mandates to be fully\\nCONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the\\napplication of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable) ,so legally\\nthere can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\nvii)Your reporting is unproven to be of FCRA COMPLIANCE (and regulations are CLEAR on mandates to be fully\\nCONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the\\nreporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for\\nreporting being undoubted and irrefutable) ,so legally there can be no truth assumed to the allegations of which you report in\\nchicanery lead subterfuge.\\nviii)Your reporting is unproven to be of CRSA enacted CDIA METRO 2 DATA FIELD FORMATTED REGULATORY\\nREPORTING COMPLIANCE (and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL\\nunmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim\\nin the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable) ,so\\nlegally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\nInjury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark\\nunproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and\\npermanent deletion any or even one not irrefutable allegation(s) deficient of physical composed writ certificate(s) in\\ntestimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented\\nevidence of precise and willfulness to comply with every single one even any and or all of the requisite\\nmandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not.\\nAttest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance(s)\\notherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your\\nresponsibility to 100% accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated.\\nFederal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might\\nbe remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights\\nand violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates\\nincluding but not limited to every date and balance, each calculation and audit, the invoices and documented current\\nidentities, every notation not to forget the five (5) portioned personal identifiers, 426 character P-6 statements,\\nalpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code(s), the 3 applicable and\\nprecise sequenced 386 pieces of confirmation to collect(-ions) or any obligation else-wise. Return or Retain federally\\nrequired compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any\\naspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven\\nCompliant Misinformation that is either or all of the following: DEFICIENT of adequate current status in fullness of TRUTH,\\nACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise\\nirrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to\\nrectify and remedy and any all infraction-ious behavior(s) by retaining or returning to DEMONSTRATED TRUE, CORRECT,\\nCOMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you\\nused for your investigation, as required by FCRA 611 (a) (7).Please reply within 10 days or delete the negative items, as\\noriginally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action\\nas complicit in this data breach of my personal information.\\n1. 2. 3. Tell me in writing what information you refuse to remove and why.\\nTell me in writing what you did to determine that the information was accurate.\\nNote the information as disputed BY the CONSUMER on my credit report.\\nAccording to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify - through the\\nphysical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise,\\nanyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.\\nAccording to the provisions of the Fair Credit Reporting Act  611(a) [15 USC 1681i(a)], these disputed items must be\\nreinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be\\nremoved from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also\\nrequesting the names, addresses and telephone numbers of individuals you contacted during your investigation.\\nPlease notify me that the above items have been deleted pursuant to  611 (a)(6) [15 USC  1681j (a) (6)]. I am also\\nrequesting an updated copy of my credit report, which should be sent to the address listed below. According to the\\nprovisions of  612 [15 USC  1681j], there should be no charge for this report. If you have any questions or need additional\\ninformation, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this\\ncompleted since this is my NOT my first time contacting your organization.\\nFURTHER,CONFIRM the five key components of our individual identities in case this data breach becomes yet another\\ncase potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT\\nPROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers..\\nTherefore, I must request that your bureau confirm in writing the following personal information: 1- FULL LEGAL NAME as it\\nAppears on my Credit report 2- Legal Address of Record 3- SSN # (or redacted last 4 digits) 4Date of Birth 5- Zip Code for\\nmy Home Address.\\nThe CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character\\nP-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which\\ndatabasing of alleged trade-line information occurs. Per CRSA, auto-populating ANY data field input entry and or application\\nof Slash Entries (such as 11111 or 00000, etc) into the Metro 2 system is automatic call for deletion due to any and all\\nrepeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST\\ninclude an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of\\nallegation(s) specifics!Must be performed in a REAL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if\\na data furnisher fails to respond within20 calendar days, eOscar is to terminate challenge in favor of consumers and or\\nauto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the\\nImplementation of the CRSA,SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by\\nCRAa.Federal laws mandate MANUAL ENTRY for any and all consumer's FULL P-Segment PREVIOUS coding for a\\nRESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data\\nfields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical\\naccuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance\\nrequires exacting Psegment, to include the minimal five(5) portion personal identifiers as well as a PRECISELY and\\nCOMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE\\nMetro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by\\nCONSUMER COMPLAINTS per the NYAG Signing Statement.I repeat, to lawfully retain and or report any claim of\\ninformation, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of\\nreporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership,\\nirrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA\\nenacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time\\nrelevance of account reported/ how reported/when reported,PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further\\nlawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to\\nconsumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory\\nconsumer information, must abide by every and one of current MY states reporting regulations as well as those of federal\\nlaws ,even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement\\nAgreement (CRSA.)\\nIs the Personal Identifier information alleged in the reported 426-character PSEGMENT true, correct, and complete to\\nstandards of CERTIFIED METRO 2 COMPLIANCE?\\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported\\nCREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory\\naccusations injuring me immediately, TODAY even NOW and HERE!\\nPlease verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault.\\nPlease demonstrate readily and timely the precise confirming facts of the alleged account including every single one even\\neach any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the\\ndeficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance,\\ncalculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement,\\nany alpha/numeric and or alphanumeric source4 code deciding the rightness states, and even every aspect of the mandated\\n386 pieces of confirmation to collection.\\nThis series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain,\\nmaintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible\\naccuracy of consumer credit information as described in at least 15 U.S.C.  1681. There is little doubt that you have no\\nevidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and\\nhas been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its\\nproper reporting and allowance of reporting per my state and federal laws are detailed IN CLARITY above FURTHER,\\nCONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially\\nleading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN\\nCOMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I\\nmust request that your bureau confirm in writing the following personal information:\\n1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThe CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character\\nP-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which\\ndatabasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application\\nof Slash Entries (such as 11111 or 00000, etc) into the Metro 2 system is automatic call for deletion due to any and all\\nrepeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST\\ninclude an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of\\nallegation(s) specifics!Must be performed in a REAL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if\\na data furnisher fails to respond within20 calendar days, eOscar is to terminate challenge in favor of consumers and or\\nauto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the\\nImplementation of the CRSA,SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by\\nCRAa. Federal laws mandate MANUAL ENTRY for any and all consumer's FULL P-Segment PREVIOUS coding for a\\nRESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data\\nfields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical\\naccuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance\\nrequires exacting Psegment, to include the minimal five(5) portion personal identifiers as well as a PRECISELY and\\nCOMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE\\nMetro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by\\nCONSUMER COMPLAINTS per the NYAG Signing Statement. I repeat, to lawfully retain and or report any claim of\\ninformation, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of\\nreporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership,\\nirrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA\\nenacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time\\nrelevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further\\nlawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to\\nconsumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory\\nconsumer information, must abide by every and one of current MY states reporting regulations as well as those of federal\\nlaws ,even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement\\nAgreement (CRSA.) Is the Personal Identifier information alleged in the reported 426-character PSEGMENT true, correct,\\nand complete to standards of CERTIFIED METRO 2 COMPLIANCE?\\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported\\nCREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory\\naccusations injuring me immediately,TODAY even NOW and HERE!\\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would\\ncompel me to consult my consumer complaint lawfully to the members of the NCRWG as undoubtedly reporting not only\\nmust be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all\\nconsumer reporting repositories.\\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would\\ncompel me to consult my consumer complaint lawfully to the members of the NCRWG ,as undoubtedly reporting not only\\nmust be true, timely and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all\\nconsumer reporting repositories.\\nBy the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the\\nCRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be\\ninvestigated and permanently removed from my report. It is my understanding that you will recheck these items with the\\ncreditor who has posted them. Please remove any information that the creditor cannot verify. I understand that under 15\\nU.S.C. Sec. 1681i(a), you must complete this reinvestigation within 30 days of receipt of this letter.\\nPlease send an updated copy of my credit report to the above address. According to the act, there shall be no charge for\\nthis updated report. \\n\\nUpon reviewing my recent credit report, I have identified several unauthorized and\\npotentially fraudulent inquiries that I do not recognize, nor did I authorize any of the listed\\ncompanies to access my credit file.\\nThe inquiries in question are as follows:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIn accordance with the Fair Credit Reporting Act (FCRA), section 611, I am formally\\nrequesting that you validate each of these inquiries. Please provide any documentation\\nbearing my signature that authorizes the inquiries. If such documentation cannot be\\nproduced, I respectfully demand that these unauthorized\\ninquiries be permanently removed from my credit file.\\nEnclosed are copies of my identification to assist with your investigation. Please be advised\\nthat you have\\n30 days from the receipt of this letter to conduct your investigation and respond accordingly.\\nThank you for your prompt attention to this matter. I look forward to your confirmation that\\nthe disputed\\ninquiries have been removed or a detailed explanation supported by valid documentation.\"","date_sent_to_company":"2025-05-16T20:00:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95205","tags":null,"has_narrative":true,"complaint_id":"13557462","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-16T20:00:21.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I think 15-20 Days should be ample enough time to get this\\ncompleted since this is my NOT my first time contacting <em>your</em> organization.\\nFURTHER,<em>CONFIRM</em> the five key components of our individual <em>identities</em> in case this data breach becomes yet another\\ncase potentially leading to my inclusion as a victim of fraud and or of <em>identity</em> theft due to <em>YOUR</em> DEFICIENT and NOT\\nPROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[7.3972883,"13557462"]},{"_index":"complaint-public-v1","_id":"13550678","_score":7.388606,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLast 4 0f SSN: XXXXEquifax Information Services, LLC\\nXXXX XXXX XXXX GA XXXXATTN:EQUIFAX\\nRE: To Whom It May Concern,\\nI would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations\\nANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis-report any\\ninformation now or EVER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which\\ngoverns your practice or reporting consumer credit profiles.\\n1. I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If\\nANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing\\nupon my consumer rights.\\n2. I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be\\nreported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority\\nto retain or report without infringing upon my consumer rights.\\n3. I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY\\nplease DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my\\nconsumer rights.\\n4. I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be\\nreported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority\\nto retain or report without infringing upon my consumer rights.\\n5. I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not\\nauthorize or desire and other phone number to be reported or retained in my credit file. If ANY please DELETE NOW or\\nproduce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.\\n1. I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or\\nretained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or\\nreport without infringing upon my consumer rights.\\nTHE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL\\nAND STATE REQUISITE REPORTING\\nCOMPLIANCES TO INCLUDE METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING STANDARDS OF\\nEXACTNESS AND OR UNDENIABLE AND IRREFUTABLE UNDOUBTED PROOF IN REGARDS TO A DOCUMENTED\\nTESTIMONIAL CERTIFICATE OF FACTS AS TO THE CURRENT STATUS, TRUTH,\\nCORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIPS,\\nRESPONSIBILITIES, FCRA COMPLIANCE, AND OR METRO 2 COMPLIANT REPORTING. NO ENTITY RETAINS ANY\\nRIGHTS TO ERADICATE ITS LIABILITIES FOR INFRINGEMENT OF CONSUMER AND OR CIVIL RIGHTS WITH\\nINJURIOUS ,UNETHICAL, UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, OR ELSE WISE UNPROVEN TO BE\\nENTIRELY COMPLIANT REPORTING TO EVERY ASPECT OF MANDATED LAWS , REGULATIONS, PRECEDENCE,\\nAND OR STANDARDS OF ACCEPTABLE REPORTING PRACTICES. PLEASE ANNUL BY FULL AND PERMANENT\\nDELETION AND AND ALL ASPECTS OF THE FOLLOWING UNLAWFULLY AND NOT PROVEN COMPLIANT\\nALLEGATIONS:\\nPLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED NAMES OF:\\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FULTHER\\nPLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED ADDRESSES OFXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED TELEPHONE\\nNUMBERS/CONTACTS OF:XXXXPLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED EMPLOYERS OFXXXX XXXX XXXX XXXXPlease Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain\\nor report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and\\naccuracy of every and one even each any and all OF THE data aspects. Subterfuge is unlawful, I demand that you return to\\nor retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter.\\nMight it be known that THIS LETTER of consumer check and challenge for lawful reporting compliance is my officially\\ncomposed writ formal complaint that you are reporting one or more of the following, ILLEGALLY mind you:\\ni)Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allegations of which you report in\\nchicanery lead subterfuge.\\nii)Your reporting is unproven to be Correct (and regulations are CLEAR on accuracy being undoubted and irrefutable), so\\nlegally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\niii)Your reporting is unproven to be COMPLETE (and regulations are CLEAR on mandates to be fully COMPLETE in the\\napplication of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable), so legally\\nthere can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\niv)Your reporting is unproven to be TIMELY (and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in\\nthe application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable), so\\nlegally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\nv)Your reporting is unproven to be of MY OWNERSHIP (and regulations are CLEAR on mandates to be fully CONFIDENT in\\nthe assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of\\nexacting and reliably consistent precision of any data for reporting being undoubted and irrefutable) ,so legally there can be\\nno truth assumed to the allegations of which you report in chicanery lead subterfuge.\\nvi)Your reporting is unproven to be of MY RESPONSIBILITY(and regulations are CLEAR on mandates to be fully\\nCONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the\\napplication of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable) ,so legally\\nthere can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\nvii)Your reporting is unproven to be of FCRA COMPLIANCE (and regulations are CLEAR on mandates to be fully\\nCONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the\\nreporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for\\nreporting being undoubted and irrefutable) ,so legally there can be no truth assumed to the allegations of which you report in\\nchicanery lead subterfuge.\\nviii)Your reporting is unproven to be of CRSA enacted CDIA METRO 2 DATA FIELD FORMATTED REGULATORY\\nREPORTING COMPLIANCE (and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL\\nunmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim\\nin the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable) ,so\\nlegally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\nInjury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark\\nunproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and\\npermanent deletion any or even one not irrefutable allegation(s) deficient of physical composed writ certificate(s) in\\ntestimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented\\nevidence of precise and willfulness to comply with every single one even any and or all of the requisite\\nmandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not.\\nAttest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance(s)\\notherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your\\nresponsibility to 100% accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated.\\nFederal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might\\nbe remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights\\nand violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates\\nincluding but not limited to every date and balance, each calculation and audit, the invoices and documented current\\nidentities, every notation not to forget the five (5) portioned personal identifiers, 426 character P-6 statements,\\nalpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code(s), the 3 applicable and\\nprecise sequenced 386 pieces of confirmation to collect(-ions) or any obligation else-wise. Return or Retain federally\\nrequired compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any\\naspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven\\nCompliant Misinformation that is either or all of the following: DEFICIENT of adequate current status in fullness of TRUTH,\\nACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise\\nirrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to\\nrectify and remedy and any all infraction-ious behavior(s) by retaining or returning to DEMONSTRATED TRUE, CORRECT,\\nCOMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you\\nused for your investigation, as required by FCRA 611 (a) (7).Please reply within 10 days or delete the negative items, as\\noriginally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action\\nas complicit in this data breach of my personal information.\\n1. 2. 3. Tell me in writing what information you refuse to remove and why.\\nTell me in writing what you did to determine that the information was accurate.\\nNote the information as disputed BY the CONSUMER on my credit report.\\nAccording to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify - through the\\nphysical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise,\\nanyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.\\nAccording to the provisions of the Fair Credit Reporting Act  611(a) [15 USC 1681i(a)], these disputed items must be\\nreinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be\\nremoved from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also\\nrequesting the names, addresses and telephone numbers of individuals you contacted during your investigation.\\nPlease notify me that the above items have been deleted pursuant to  611 (a)(6) [15 USC  1681j (a) (6)]. I am also\\nrequesting an updated copy of my credit report, which should be sent to the address listed below. According to the\\nprovisions of  612 [15 USC  1681j], there should be no charge for this report. If you have any questions or need additional\\ninformation, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this\\ncompleted since this is my NOT my first time contacting your organization.\\nFURTHER,CONFIRM the five key components of our individual identities in case this data breach becomes yet another\\ncase potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT\\nPROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers..\\nTherefore, I must request that your bureau confirm in writing the following personal information: 1- FULL LEGAL NAME as it\\nAppears on my Credit report 2- Legal Address of Record 3- SSN # (or redacted last 4 digits) 4Date of Birth 5- Zip Code for\\nmy Home Address.\\nThe CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character\\nP-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which\\ndatabasing of alleged trade-line information occurs. Per CRSA, auto-populating ANY data field input entry and or application\\nof Slash Entries (such as 11111 or 00000, etc) into the Metro 2 system is automatic call for deletion due to any and all\\nrepeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST\\ninclude an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of\\nallegation(s) specifics!Must be performed in a REAL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if\\na data furnisher fails to respond within20 calendar days, eOscar is to terminate challenge in favor of consumers and or\\nauto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the\\nImplementation of the CRSA,SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by\\nCRAa.Federal laws mandate MANUAL ENTRY for any and all consumer's FULL P-Segment PREVIOUS coding for a\\nRESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data\\nfields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical\\naccuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance\\nrequires exacting Psegment, to include the minimal five(5) portion personal identifiers as well as a PRECISELY and\\nCOMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE\\nMetro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by\\nCONSUMER COMPLAINTS per the NYAG Signing Statement.I repeat, to lawfully retain and or report any claim of\\ninformation, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of\\nreporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership,\\nirrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA\\nenacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time\\nrelevance of account reported/ how reported/when reported,PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further\\nlawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to\\nconsumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory\\nconsumer information, must abide by every and one of current MY states reporting regulations as well as those of federal\\nlaws ,even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement\\nAgreement (CRSA.)\\nIs the Personal Identifier information alleged in the reported 426-character PSEGMENT true, correct, and complete to\\nstandards of CERTIFIED METRO 2 COMPLIANCE?\\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported\\nCREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory\\naccusations injuring me immediately, TODAY even NOW and HERE!\\nPlease verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault.\\nPlease demonstrate readily and timely the precise confirming facts of the alleged account including every single one even\\neach any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the\\ndeficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance,\\ncalculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement,\\nany alpha/numeric and or alphanumeric source4 code deciding the rightness states, and even every aspect of the mandated\\n386 pieces of confirmation to collection.\\nThis series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain,\\nmaintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible\\naccuracy of consumer credit information as described in at least 15 U.S.C.  1681. There is little doubt that you have no\\nevidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and\\nhas been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its\\nproper reporting and allowance of reporting per my state and federal laws are detailed IN CLARITY above FURTHER,\\nCONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially\\nleading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN\\nCOMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I\\nmust request that your bureau confirm in writing the following personal information:\\n1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThe CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character\\nP-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which\\ndatabasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application\\nof Slash Entries (such as 11111 or 00000, etc) into the Metro 2 system is automatic call for deletion due to any and all\\nrepeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST\\ninclude an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of\\nallegation(s) specifics!Must be performed in a REAL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if\\na data furnisher fails to respond within20 calendar days, eOscar is to terminate challenge in favor of consumers and or\\nauto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the\\nImplementation of the CRSA,SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by\\nCRAa. Federal laws mandate MANUAL ENTRY for any and all consumer's FULL P-Segment PREVIOUS coding for a\\nRESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data\\nfields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical\\naccuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance\\nrequires exacting Psegment, to include the minimal five(5) portion personal identifiers as well as a PRECISELY and\\nCOMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE\\nMetro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by\\nCONSUMER COMPLAINTS per the NYAG Signing Statement. I repeat, to lawfully retain and or report any claim of\\ninformation, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of\\nreporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership,\\nirrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA\\nenacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time\\nrelevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further\\nlawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to\\nconsumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory\\nconsumer information, must abide by every and one of current MY states reporting regulations as well as those of federal\\nlaws ,even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement\\nAgreement (CRSA.) Is the Personal Identifier information alleged in the reported 426-character PSEGMENT true, correct,\\nand complete to standards of CERTIFIED METRO 2 COMPLIANCE?\\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported\\nCREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory\\naccusations injuring me immediately,TODAY even NOW and HERE!\\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would\\ncompel me to consult my consumer complaint lawfully to the members of the NCRWG as undoubtedly reporting not only\\nmust be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all\\nconsumer reporting repositories.\\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would\\ncompel me to consult my consumer complaint lawfully to the members of the NCRWG ,as undoubtedly reporting not only\\nmust be true, timely and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all\\nconsumer reporting repositories.\\nBy the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the\\nCRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be\\ninvestigated and permanently removed from my report. It is my understanding that you will recheck these items with the\\ncreditor who has posted them. Please remove any information that the creditor cannot verify. I understand that under 15\\nU.S.C. Sec. 1681i(a), you must complete this reinvestigation within 30 days of receipt of this letter.\\nPlease send an updated copy of my credit report to the above address. According to the act, there shall be no charge for\\nthis updated report. \\n\\nUpon reviewing my recent credit report, I have identified several unauthorized and\\npotentially fraudulent inquiries that I do not recognize, nor did I authorize any of the listed\\ncompanies to access my credit file.\\nThe inquiries in question are as follows:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIn accordance with the Fair Credit Reporting Act (FCRA), section 611, I am formally\\nrequesting that you validate each of these inquiries. Please provide any documentation\\nbearing my signature that authorizes the inquiries. If such documentation cannot be\\nproduced, I respectfully demand that these unauthorized\\ninquiries be permanently removed from my credit file.\\nEnclosed are copies of my identification to assist with your investigation. Please be advised\\nthat you have\\n30 days from the receipt of this letter to conduct your investigation and respond accordingly.\\nThank you for your prompt attention to this matter. I look forward to your confirmation that\\nthe disputed\\ninquiries have been removed or a detailed explanation supported by valid documentation.\"","date_sent_to_company":"2025-05-16T20:00:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95205","tags":null,"has_narrative":true,"complaint_id":"13550678","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-16T19:28:50.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I think 15-20 Days should be ample enough time to get this\\ncompleted since this is my NOT my first time contacting <em>your</em> organization.\\nFURTHER,<em>CONFIRM</em> the five key components of our individual <em>identities</em> in case this data breach becomes yet another\\ncase potentially leading to my inclusion as a victim of fraud and or of <em>identity</em> theft due to <em>YOUR</em> DEFICIENT and NOT\\nPROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[7.388606,"13550678"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":26,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":26}]}},"product":{"doc_count":26,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":10,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":10}]}},{"key":"Debt 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collect debt not owed","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt was result of identity theft","doc_count":3}]}},{"key":"Other transaction problem","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":2}]}},{"key":"Took or threatened to take negative or legal action","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Sued you in a state where you do not live or did not sign for the debt","doc_count":2}]}},{"key":"Closing your account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Can't close your 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COMPANY","doc_count":3},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":1},{"key":"BARCLAYS BANK DELAWARE","doc_count":1},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":1},{"key":"CORELOGIC INC","doc_count":1},{"key":"Coinbase, Inc.","doc_count":1},{"key":"Malen & Associates, p.c.","doc_count":1},{"key":"PENNYMAC LOAN SERVICES, LLC.","doc_count":1},{"key":"Paypal Holdings, Inc","doc_count":1},{"key":"Payward Ventures Inc. dba Kraken","doc_count":1},{"key":"Revolut Technologies 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