{"took":392,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":6,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10414376","_score":28.796303,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to formally dispute the inaccurate information reported on my credit report concerning the UPGRADE INC account ( # XXXX ). This account is listed as a charged-off account with a balance of {$8200.00} and an amount of {$7300.00} written off. The details provided are inaccurate and misleading, and I am requesting an immediate investigation and correction of this information. \n\nAccording to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate, incomplete, or unverifiable information on my credit report. The information being reported does not accurately reflect the account history, and I demand verification of this debt. Please review and respond based on the following FCRA requirements : Section 611 ( 15 U.S.C. 1681i ) Under this provision, credit reporting agencies must conduct a reasonable investigation of disputed information. If UPGRADE INC can not provide verification of the debt, this entry must be promptly deleted from my credit file.\n\nSection 623 ( 15 U.S.C. 1681s-2 ) This section imposes responsibilities on furnishers of information to provide accurate data. Reporting an account as \" charged off '' and past due without substantiating evidence or proof of the original account agreement is a violation of my rights. I demand UPGRADE INC furnish documentation confirming the validity of the reported debt, including a signed agreement and payment history. \n\nSection 609 ( 15 U.S.C. 1681g ) I request that you provide all relevant details and documentation on the source of this account, including any communications and documentation from UPGRADE INC that substantiate the charged-off status and balance. \n\nIf the accuracy of this debt can not be verified in accordance with FCRA standards, this account must be removed from my credit report. Reporting false information is not only damaging but also unlawful, and failure to act upon this dispute may result in my taking further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies.","date_sent_to_company":"2024-10-10T14:39:04.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"28403","tags":"Servicemember","has_narrative":true,"complaint_id":"10414376","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2024-10-10T14:25:58.000Z","state":"NC","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I demand <em>UPGRADE</em> INC <em>furnish</em> <em>documentation</em> <em>confirming</em> the <em>validity</em> of the <em>reported</em> <em>debt</em>, <em>including</em> a signed agreement and payment history. \n\nSection 609 ( 15 U.S.C. 1681g ) I request that you provide all relevant details and <em>documentation</em> on the source of this account, <em>including</em> any communications and <em>documentation</em> from <em>UPGRADE</em> INC that substantiate the charged-off status and balance."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"company":["<em>UPGRADE</em>, INC."],"sub_issue":["<em>Debt</em> was result of identity theft"]},"sort":[28.796303,"10414376"]},{"_index":"complaint-public-v1","_id":"11839265","_score":23.00479,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"Dear CFPB Representative, I am submitting this formal complaint against Upgrade , Inc. for multiple violations of federal and state consumer protection laws. Despite my numerous good-faith attempts to resolve these issues, Upgrade has failed to comply with lawful requests, leading to unfair, deceptive, and unlawful practices. \n\nDates and actions taken : XX/XX/XXXX : Called to ask for a copy of the contract with signature : This call has been recorded for evidence : I asked for a copy of the contract with evidence of executed signatures since I signed without prejudice. I was advised that they could not provide this and could only furnish the generic copies without verifiable signatures. \n\nXX/XX/XXXX : Called to ask for purchase order agreement for the alleged loans. \nThis call was recorded for evidence. This request was denied. The representative advised me that they could not provide this document to consumers. \n\nXX/XX/XXXX : Called to ask for a copy of the contract with signature. \nI have a recording of the call advising the representative that I always sign all my contracts without prejudice to avoid waiving my consumer rights and I needed a copy of this version of the contract. I was advised by the representative that they could not furnish this to me. I advised the representative that I did not waive my Texas Common Law rights per the contract terms. \n\nXX/XX/XXXX : Sent Correspondence # XXXX : Amended Contract, Revocation of POA and Replacement Durable POA, tender of payment in full for {$48000.00}. \n\nUPGRADE LEGAL DEPT : CERTIFIED MAIL ( Delivered/Received XX/XX/XXXX ) UPGRADE PAYMENT PROCESSING : CERTIFIED MAIL ( Delivered/Received XX/XX/XXXX ) o Payment notification letter o COPY- Endorsed Negotiable Instrument o COPY- Payment processing instruction letter sent to XXXX & XXXX of XXXX XXXX XXXX XXXX Revocation of POA o Copy of POA XXXX XXXX XXXX LEGAL DEPT : CERTIFIED MAIL ( Delivered/Received XX/XX/XXXX ) XXXX- XXXX XXXX REGISTERED MAIL ( Delivered/Received XX/XX/XXXX ) XXXX XXXX XXXX : REGISTERED MAIL ( Delivered/Received XX/XX/XXXX ) XX/XX/XXXX : Upgrade called in response to the letters sent XX/XX/XXXX : This call was recorded for evidence : I advised the representative that they were receiving a copy of all communications sent including the tendered payment sent directly to XXXX  XXXX XXXX  and several representative. I advised the caller that the payment was sent to CRB since there were no instructions on Upgrade for how to submit endorsed negotiable instruments as tender of payment. I advised the Upgrade representative that the payment was sent directly to the alleged lender and the caller accepted the statement without dispute. \n\nXX/XX/XXXX : Notice of Breach of Contract- Civil Money Penalty Letters sent The sent instrument ( tendered payment ) was ignored. I contacted XXXX XXXX, the Chief Investment Officer and he pretended to be an AP Clerk and denied knowing anything about how to process a negotiable instrument. Since he handles SEC filings, this seems unlikely. I called the legal department several times to confirm receipt but no one ever returned my calls. \nCRB, XXXX XXXX Certified Mail Received XX/XX/XXXX CRB, XXXX XXXX Certified Mail Received CRB, Legal Dept Certified Mail Received XX/XX/XXXX : Upgrades Emailed Response : XX/XX/XXXX : Upgrade responded by email stating they were rejecting the amended contract. \nXX/XX/XXXX : I advised Upgrade that I will be pursuing legal remedy if denied an agreement with valuable consideration. \nXX/XX/XXXX : I responded to Upgrades email advising them that they can not reject the amended contract unless they can furnish the original contract verifying that the contract was not unilateral. I advised Upgrade that the other signer must be disclosed and if they could furnish proof that the contract was signed by XXXX parties, then they may be able to reject the amendments. Upgrade refused to respond. \n\nXX/XX/XXXX : Called Upgrade Confirming Upgrades Policy on Ink Signature Contracts : This call was recorded as evidence : The representative stated that Upgrade will refuse to conduct business with consumers if they refuse to sign a contract via e-signature. I advised the representative that this was against the law in Texas because Texas consumers have the right to request the option of signing a contract with a pen. The employee stated it was Upgrades policy. I asked if the company policy is superior to law. The representative stated that they will not allow customers to download a contract to sign with a pen. \n\nXX/XX/XXXX : Sent Debt Validation Letter Upgrade Legal team sent XX/XX/XXXX Certified Mail DELIVERED XX/XX/XXXX XXXX XXXX XXXX  Legal team sent XX/XX/XXXX Certified Mail Delivered XX/XX/XXXX : Sent Verification and validation requirements letter Upgrade Legal Team sent XX/XX/XXXX Certified Mail Delivered XX/XX/XXXX XXXX XXXX XXXX Legal team XX/XX/XXXX Certified Mail Delivered XX/XX/XXXX XX/XX/XXXX : Sent the next letter- Opportunity to Cure- Notice of Escalation of Civil Money Penalty ( Notice of Default Opportunity to Cure ) Upgrade Legal Team Sent XXXX Certified Mail received XXXX XXXX XXXX XXXX Legal Team sent XXXX Certified Mail Delivered XX/XX/XXXX XX/XX/XXXX : Upgrade called to advise of past due balance : This call was recorded for evidence : I advised the caller that I needed to put the account in billing error since I submitted a legal tender of payment and Ive been attempting to perform ; however all my efforts were being ignored. The called stated they could not put my account in billing error or dispute status. \n\nXX/XX/XXXX : Received from Upgrade : XXXX separate duplicate generic letter with copies of irrelevant documents not requested, including an unauthenticated or non-original contract without any signatures. \n\nXX/XX/XXXX : I called Upgrade to request the opportunity to dispute or put the account in billing status : This call was recorded for evidence. The employee advised me that they do not allow customers to dispute anything unless it's about a dispute with the contractor. I was advised that I would have to litigate and they would report my non-payment to the credit bureaus. I explained to the representative all the correspondences I sent and advised the representative of all the requests I made and he admitted that all my requests are noted as rejected in the system. \n\nXX/XX/XXXX : I called Upgrade and asked who had the original promissory note/contract : I asked the representative if Upgrade sold the note or if they had the original note. I was advised they dont have it and that legal may have it. I asked to speak with someone in legal, and was denied. All representatives I spoke with had no idea who owned the note or where it was and stated that no one at Upgrade had the note. I asked if it was sent to XXXX XXXX XXXX  and they were unable to confirm where the original contract was located. \n\nXX/XX/XXXX : Sent Final Notice of Intent : Escalation and Reporting to Regulatory Board Escalation & Reporting to Regulatory Boards Sent invoice to both parties Upgrade Legal Team Sent 1-27-25 : Certified Mail Cross River Bank Legal Team sent 1-27-2025 Certified Mail Violations Reported : XXXX. Violation of the Truth in Lending Act ( TILA ) ( XXXX XXXX. XXXX et seq. ) Upgrade failed to fully disclose the terms and conditions of the credit agreement, including changes in balance calculations and interest rate applications. The alleged loan TILA statement was for {$79000.00} even though the actual alleged loan was for {$49000.00}. \nThe company failed to provide a full accounting of the alleged debt and omitted key financial information, including the proper application of payments. \n\nXXXX. Violation of the Fair Credit Billing Act ( FCBA ) ( XXXX XXXX. XXXX ) On XX/XX/XXXX, I tendered a lawful negotiable instrument, specifically an endorsed Bill of Exchange, as full payment for the alleged debt. This payment was sent to XXXX XXXXXXXX XXXX XXXX XXXX  ) for processing, as XXXX  is responsible for handling these particular payments. \nUpgrade was provided a copy of this correspondence for transparency. However, despite being informed that the debt had been settled, Upgrade continued collection efforts, including threats of negative credit reporting.\n\nUpgrade refused to allow the account to be placed into \" billing error '' status or acknowledge the disputed payment despite several requests. \n\nXXXX. Violation of the Fair Debt Collection Practices Act ( FDCPA ) ( XXXX U.S.C. XXXX et seq. ) Upgrade continued to attempt to collect on a debt that had been disputed and for which a valid payment had been tendered. \nDespite repeated requests, Upgrade refused to validate the debt per FDCPA requirements.\n\nCollection actions taken by Upgrade while ignoring a disputed transaction violate XXXX XXXX. XXXX ( XXXX ), which prohibits false credit reporting. \nXXXX. Breach of Contract and Unfair Business Practices Upgrade denied my right to amend the agreement despite my status as the sole signatory. \nThey failed to provide a countersigned contract or evidence of a two-party agreement, effectively rendering the contract unilateral and void under contract law. \nThe company falsely claimed that consumers can not sign contracts with wet ink, a policy that directly contradicts Texas state contract law. \n\nXXXX. Violation of the Uniform Commercial Code ( XXXX ) Negotiable Instruments XXXX XXXX ( Enforcement of Lost, Destroyed, or Stolen Instruments ) Under UCC XXXX XXXX a party attempting to enforce a promissory note must prove possession of the original note or provide a valid legal reason for its loss.\n\nUpgrade has failed to produce the original note, meaning they lack standing to collect on the debt.\n\nIf Upgrade does not hold the note but continues collections, they are attempting to enforce a debt without proper authority. \nXXXX XXXX ( Presentment ) I demanded proof of the original negotiable instrument ( such as the original promissory note ), and Upgrade advised me that they were unable to furnish the proof. \nFailure to prove possession of the original promissory note invalidates any claim of debt and enforcement. \nXXXX XXXX ( Tender of Payment & Discharge ) Upgrade was unable to produce the note, they can not prove that the obligation has not already been discharged. \nI have attached all supporting documentation, including recorded phone calls, my original correspondences, debt validation requests, contract amendment notices, and proof of Upgrades failure to comply with federal and state laws. \nThank you for your time and attention to this matter. I look forward to your prompt action.","date_sent_to_company":"2025-01-29T14:00:28.000Z","issue":"Problem when making payments","sub_product":"Installment loan","zip_code":"786XX","tags":null,"has_narrative":true,"complaint_id":"11839265","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2025-01-29T13:03:32.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XXXX et seq. ) <em>Upgrade</em> continued to attempt to collect on a <em>debt</em> that had been disputed and for which a <em>valid</em> payment had been tendered. \nDespite repeated requests, <em>Upgrade</em> refused to validate the <em>debt</em> per FDCPA requirements.\n\nCollection actions taken by <em>Upgrade</em> while ignoring a disputed transaction violate XXXX XXXX. XXXX ( XXXX ), which prohibits false credit <em>reporting</em>. \nXXXX."],"company":["<em>UPGRADE</em>, INC."]},"sort":[23.00479,"11839265"]},{"_index":"complaint-public-v1","_id":"21834470","_score":8.553538,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion , LLC Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : FORMAL NOTICE OF DISPUTE AND DEMAND FOR DELETION OF ALL NEGATIVE ACCOUNTS AND ALL INQUIRIES PURSUANT TO THE UNIFORM COMMERCIAL CODE ( U.C.C. ), THE FAIR CREDIT REPORTING ACT ( FCRA ), 15 U.S.C. 1681 et seq., AND THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), 15 U.S.C. 1692 et seq. \nFile Number : XXXX SSN ( Last XXXX ) : XXXX Date of Birth : XX/XX/XXXX TO ALL AUTHORIZED OFFICERS AND AGENTS OF TRANSUNION , LLC : PLEASE TAKE FORMAL NOTICE that I, XXXX XXXX XXXX, XXXX XXXX XXXX and secured consumer-creditor under the Uniform Commercial Code ( U.C.C. ), hereby exercise my lawful right to dispute, challenge, and demand the immediate deletion of all negative tradelines, adverse accounts, and all credit inquiries both regular ( hard ) and account review appearing on my TransUnion consumer credit file bearing XXXX XXXX XXXX. \nThis correspondence constitutes a formal, written dispute under the following lawful authorities : Uniform Commercial Code ( U.C.C. ) 1-308 Performance or Acceptance Under Reservation of Rights Uniform Commercial Code ( U.C.C. ) 3-501 Presentment Uniform Commercial Code ( U.C.C. ) 3-505 Evidence of Dishonor Uniform Commercial Code ( U.C.C. ) 9-210 Request for Accounting / Request Regarding a List of Collateral or Statement of Account Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b Permissible Purposes of Consumer Reports Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 Responsibilities of Furnishers of Information to Consumer Reporting Agencies Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Validation of Debts Privacy Act of 1974, 5 U.S.C. 552a Federal Trade Commission Act, 15 U.S.C. 45 Unfair or Deceptive Practices SECTION I LEGAL FOUNDATION UNDER THE UNIFORM COMMERCIAL CODE As a living consumer operating in commerce, I am a party with full legal standing under the Uniform Commercial Code as adopted in all fifty ( XXXX ) states. Pursuant to U.C.C. 1-308, I reserve all rights without prejudice and without waiving any rights, remedies, or defenses available to me under any applicable law. \nUnder U.C.C. 9-210, any secured party or party claiming a security interest in a consumer account has an obligation, upon written request, to provide a complete, authenticated, and verifiable accounting of any alleged obligation. No party including any original creditor, collection agency, or credit reporting agency has standing to report derogatory information on my consumer credit file without first being able to produce lawful, verifiable, and authenticated documentary evidence sufficient to establish : XXXX. The existence of a valid, lawful contract bearing my wet-ink signature ; XXXX. Proof of consideration flowing from the creditor to me ; XXXX. A complete, unbroken chain of title for any alleged debt that has been assigned, sold, or transferred to any third-party collector ; XXXX. The original signed agreement authorizing the reporting of said account to any consumer reporting agency ; XXXX. Proof of permissible purpose under FCRA 15 U.S.C. 1681b for each and every inquiry appearing on my consumer credit file ; XXXX. Competent evidence that any information being reported meets the maximum possible accuracy standard required under 15 U.S.C. 1681e ( b ). \nEach account and inquiry listed in this dispute is hereby challenged in its entirety. In the absence of complete, verified, authenticated documentary evidence, TransUnion is legally obligated under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) to DELETE the disputed item from my consumer credit file within thirty ( XXXX ) days of receipt of this notice. \nI further invoke U.C.C. 1-308 and hereby give NOTICE that any attempt to re-insert deleted information without first providing the required verified evidence, and without following the mandatory procedures set forth in 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), shall constitute willful noncompliance under 15 U.S.C. 1681n and shall subject TransUnion and all furnishers to civil liability for actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, costs, and attorney 's fees. \n\nSECTION XXXX DISPUTE OF ALL NEGATIVE / ADVERSE ACCOUNTS The following accounts appear on my TransUnion credit file with adverse, derogatory, or otherwise negative information. I hereby dispute each account listed below in its entirety including all payment history, remarks, ratings, balances, and all associated adverse designations. I have no knowledge of any valid, verified, authenticated obligation owed to any of the following creditors or their assigns. I challenge each furnisher to produce verifiable proof of the claimed debt as required by law. \nADVERSE ACCOUNT NO. XXXX Creditor/Furnisher : CH/NICKELCITYPROPERTYMANAGEMENT Account Number : XXXX * * * * Account Type : Rental Agreement ( Open Account ) Date Opened : XX/XX/XXXX Reported Balance : {$550.00} Adverse Information : Late payment ratings of XXXX and XXXX days appearing in XX/XX/XXXX and XX/XX/XXXX payment history ; past-due amounts reported ; negative ratings ( XXXX, XXXX ) reported on consumer credit file. Address on File : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX GROUNDS FOR DISPUTE AND DELETION : This account is disputed in its entirety. Under U.C.C. 9-210 and 15 U.S.C. 1681i, I demand that CH/NICKELCITYPROPERTYMANAGEMENT provide complete, authenticated documentation establishing the existence of a valid, lawful rental agreement bearing my wet-ink signature, proof of all claimed delinquencies, and lawful authorization to report adverse information to TransUnion. Any and all late payment ratings, past-due designations, and adverse remarks associated with this account are hereby disputed as inaccurate, unverifiable, and/or reported without my lawful authorization. This account must be investigated, corrected, and all adverse payment history, derogatory ratings, and associated negative information must be deleted in their entirety. \nADVERSE ACCOUNT NO. XXXX Creditor/Furnisher : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Lease / Installment Account Date Opened : XX/XX/XXXX Reported Balance : {$730.00} Pay Status : >CHARGE-OFF< Remarks : XXXX ( Profit and Loss Write-Off ) Ratings : C/O ( Charge-off ) from XX/XX/XXXX through XX/XX/XXXX Estimated Removal : XXXX/XXXX Address on File : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX GROUNDS FOR DISPUTE AND DELETION : This account is disputed in its entirety. A charge-off is one of the most damaging designations that can appear on a consumer 's credit file and constitutes a significant adverse action against me. Under U.C.C. 1-308 and U.C.C. 3-501, I hereby make formal presentment and demand for complete, authenticated, lawfully verified documentation establishing : ( a ) the original signed agreement between me and XXXX XXXX XXXX  ; ( b ) a complete accounting of all payments made and credits applied ; ( c ) proof that the charge-off was properly and legally executed ; ( d ) proof that XXXX XXXX XXXX  has standing to continue reporting this account after charging it off and writing it to profit and loss ; and ( XXXX ) proof that the reporting of this account as a charge-off meets the maximum possible accuracy standard required under XXXX U.S.C. 1681e ( b ). A creditor who charges off a debt and simultaneously reports it to a credit bureau creates an unverifiable, potentially defamatory record that damages my creditworthiness. All charge-off designations, C/O ratings, PRL remarks, and all associated adverse information for this account must be deleted immediately. \nADVERSE ACCOUNT NO. XXXX Collection Agency : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Factoring Company Account ( Collection ) Date Opened : XX/XX/XXXX Reported Balance : {$1100.00} Pay Status : XXXX Original Creditor : XXXX XXXX XXXX Remarks : >PLACED FOR COLLECTION< Estimated Removal : XXXX/XXXX Address on File : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX GROUNDS FOR DISPUTE AND DELETION : This collection account is disputed in its entirety. Under the FDCPA, 15 U.S.C. 1692g, I hereby demand complete validation of this alleged debt. XXXX XXXX, as a third-party debt collector, is required to provide : ( a ) the original signed agreement between me and XXXX XXXX XXXX XXXX XXXX wet-ink signature ; ( b ) a complete, authenticated, and unbroken chain of assignment or sale from XXXX XXXX XXXX to XXXX XXXX XXXX including all intervening assignments ; ( c ) proof that XXXXXXXX XXXX is licensed to collect debts in the State of New York ; ( XXXX XXXX the complete payment history and account ledger from account inception ; and ( XXXX ) proof of permissible purpose and authorization to report this information to TransUnion under 15 U.S.C . 1681b. Under U.C.C. 9-210, XXXX XXXX must also provide an authenticated statement of account. In the absence of complete, verified documentation, this collection account must be immediately deleted. Collection accounts that can not be properly validated and authenticated have no legal basis to remain on a consumer credit report. \nADVERSE ACCOUNT NO. XXXX Collection Agency : PORTFOLIO RECOVERY Account Number : XXXXXXXX XXXX XXXX XXXX * Account Type : Factoring Company Account ( Collection ) Date Opened : XX/XX/XXXX Reported Balance : {$4800.00} Pay Status : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Remarks : >PLACED FOR COLLECTION< Estimated Removal : XXXX/XXXX Address on File : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX GROUNDS FOR DISPUTE AND DELETION : This collection account is disputed in its entirety. XXXX XXXX XXXX is a known third-party debt buyer that regularly purchases alleged debts in bulk for pennies on the dollar and then attempts to collect amounts in excess of what may be lawfully owed. Under U.C.C. 1-308 and U.C.C. 9-210, and under the FDCPA 15 U.S.C. 1692g, I demand that XXXX XXXX provide : ( a ) the original signed credit agreement between me and XXXX XXXX XXXX XXXX XXXX bearing my wet-ink signature ; ( b ) a complete, authenticated, and unbroken chain of title showing how XXXX XXXX acquired legal ownership of this alleged debt, including the bill of sale and all assignment documents ; ( c ) proof of the exact amount allegedly owed at the time of assignment and how the current balance of {$4800.00} was calculated ; ( d ) proof that the statute of limitations has not expired on this alleged obligation under New York XXXX XXXX ( XXXX ) proof of licensure to collect in the State of New York XXXX and ( f ) proof of permissible purpose under 15 U.S.C. 1681b to report this information to TransUnion. Without complete authenticated verification of all of the foregoing, this collection account must be deleted immediately in its entirety.\n\nSECTION III DISPUTE AND DEMAND FOR DELETION OF ALL INQUIRIES Pursuant to 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report for permissible purposes specifically enumerated by law. Any inquiry appearing on my consumer credit file that was obtained without a permissible purpose or without my express, written authorization constitutes a willful violation of the FCRA and is subject to civil liability under 15 U.S.C. 1681n. I hereby dispute ALL inquiries appearing on my TransUnion consumer credit file and demand that each entity provide documented proof of permissible purpose or be immediately deleted.\n\nPART A REGULAR ( HARD ) INQUIRIES DEMAND FOR IMMEDIATE DELETION The following regular/hard inquiries appear on my TransUnion credit report. Each is disputed in its entirety. I demand that TransUnion contact each of the following entities and require them to provide documented proof of my express written authorization and of lawful permissible purpose. Any inquiry that can not be verified must be deleted immediately. \nXXXX. XXXX XXXXXXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Inquiry Type : Individual DISPUTE : I have no knowledge of authorizing this inquiry. Absent verified proof of permissible purpose and my signed written authorization, this inquiry must be immediately deleted. \nXXXX. XXXX via XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Inquiry Type : Individual / Credit Transaction DISPUTE : I have no knowledge of authorizing this inquiry. Absent verified proof of permissible purpose and my signed written authorization, this inquiry must be immediately deleted. \nXXXX. XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Inquiry Type : Individual DISPUTE : I have no knowledge of authorizing this inquiry. XXXX verified proof of permissible purpose and my signed written authorization, this inquiry must be immediately deleted. \nXXXX. XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Inquiry Type : Individual DISPUTE : I have no knowledge of authorizing this inquiry. Absent verified proof of permissible purpose and my signed written authorization, this inquiry must be immediately deleted. \nPART B ACCOUNT REVIEW INQUIRIES DEMAND FOR IMMEDIATE DELETION The following account review inquiries appear on my TransUnion credit file. Although TransUnion represents these inquiries as not visible to third-party lenders, they nevertheless constitute access to my private, personal consumer credit information. Each access requires a legitimate permissible purpose under 15 U.S.C. 1681b. I hereby dispute each of the following inquiries and demand that any entity without a current, verified, lawful permissible purpose be removed from my credit file immediately. \nXXXX. TRANSUNION XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. TRANSUNION XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX NOTE : This entity has no verified, validated, authenticated agreement with me. XXXX to my credit file without lawful permissible purpose is a willful violation of XXXX XXXX. XXXX. \nXXXX. XXXX XXXX via TRANSUNION XXXX IN Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Phone : ( XXXX ) XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Phone : ( XXXX ) XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX NOTE : Any collection-related entity accessing my credit file without a current, verified debt obligation is in violation of 15 U.S.C. 1681b and must be deleted. \nXXXX. XXXX via TRANSUNION INTERACTIVE Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, UT XXXX Phone : ( XXXX ) XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Phone : ( XXXX ) XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX NOTE : This entity has no verified, validated, authenticated agreement with me. See dispute grounds for Account No. XXXX above. Access to my credit file without lawful permissible purpose is a willful violation of 15 U.S.C. 1681b. \nXXXX. XXXX XXXX via XXXX INTERACT Address : XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. PROGRESSIVE AUTO XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX AUTO Address : XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. UPGRADE Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX SECTION XXXX MANDATORY LEGAL NOTICE AND DEMANDS Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion is required to conduct a reasonable reinvestigation of each item I have disputed within THIRTY ( XXXX ) DAYS of receipt of this written dispute. TransUnion must forward all relevant information to each furnisher and contact each entity listed in this dispute to obtain documentation sufficient to verify the accuracy and completeness of each entry. If any item can not be verified with complete, authenticated documentation, it MUST be deleted from my consumer credit file. \nI hereby make the following specific, non-negotiable demands : DEMAND XXXX : DELETE all four ( XXXX ) adverse/negative accounts identified in Section XXXX of this letter including all adverse payment history, charge-off designations, collection designations, derogatory remarks, and associated negative ratings from my TransUnion consumer credit file. \nDEMAND XXXX : DELETE all twenty-eight ( XXXX ) inquiries including all regular ( hard ) inquiries and all account review inquiries identified in Section XXXX of this letter from my TransUnion consumer credit file. \nDEMAND XXXX : Provide me with a free, updated copy of my consumer credit report within five ( XXXX ) days of completing the reinvestigation, as required by 15 U.S.C. 1681i ( a ) ( 6 ), confirming all deletions. \nDEMAND XXXX : Notify each furnisher whose information has been deleted of the deletion, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). \nDEMAND XXXX : Do NOT re-insert any previously deleted information without providing me written notice of reinsertion as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ), and without providing the complete name, address, and telephone number of the furnisher providing such information. \nDEMAND XXXX : Place my consumer statement in my credit file, to wit : \" All items on this consumer credit report are disputed. Consumer has demanded deletion of all adverse accounts and inquiries pursuant to the FCRA, FDCPA, and U.C.C. and reserves all rights without prejudice pursuant to U.C.C. 1-308. '' SECTION V NOTICE OF LIABILITY FOR NON-COMPLIANCE Be advised that failure to comply with this dispute notice within the time periods specified by law shall constitute willful noncompliance under 15 U.S.C. 1681n and/or negligent noncompliance under 15 U.S.C. 1681o. TransUnion and any furnisher that fails to comply with their legal obligations shall be liable for : ( a ) Actual damages sustained ; ( b ) Statutory damages of not less than {$100.00} and not more than {$1000.00} per violation under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ; ( c ) Punitive damages as the court may allow under 15 U.S.C. 1681n ( a ) ( 2 ) ; ( d ) Costs of the action and reasonable attorney 's fees as determined by the court under 15 U.S.C. 1681n ( a ) ( 3 ) ; and ( e ) Any additional damages available under applicable state law, including but not limited to New York XXXX XXXX XXXX XXXX et seq. \nI further reserve the right to file a complaint with : The Consumer Financial Protection Bureau ( CFPB ) at XXXX The Federal Trade Commission ( FTC ) at ftc.gov The New York State Attorney General 's Office The New York State Department of Financial Services ( NYDFS ) SECTION VI RESERVATION OF RIGHTS I hereby give NOTICE that this letter is submitted without prejudice and with full reservation of all rights under U.C.C. 1-308, under all applicable federal and state law, and under the common law. I do not waive any rights, remedies, or defenses by the submission of this dispute. I am not submitting to the jurisdiction of any particular forum, and I am not admitting the validity of any alleged debt by the act of disputing it. All rights reserved. \n\nATTESTATION I, XXXX XXXX XXXX, hereby attest under penalty of perjury under the laws of the United States of America that the foregoing is true and correct to the best of my knowledge and belief, that this is not a frivolous dispute, and that I am the individual identified herein. \nExecuted onXXXX XXXX XXXX XXXX All Rights Reserved Without Prejudice U.C.C. 1-308 Print Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : ( XXXX ) XXXX","date_sent_to_company":"2026-05-03T12:43:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"14206","tags":null,"has_narrative":true,"complaint_id":"21834470","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2026-05-03T12:37:24.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I hereby dispute each account listed below in its entirety <em>including</em> all payment history, remarks, ratings, balances, and all associated adverse designations. I have no knowledge of any <em>valid</em>, verified, authenticated obligation owed to any of the following creditors or their assigns. I challenge each <em>furnisher</em> to produce verifiable proof of the claimed <em>debt</em> as required by law. \nADVERSE ACCOUNT NO."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[8.553538,"21834470"]},{"_index":"complaint-public-v1","_id":"5428113","_score":5.9309764,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting Act : XXXX, TransUnion, XXXX XXXX XXXX has violated my rights. \n\n15 U.S.C 1681 section 602 A. States I have the right to Privacy.\n\n15 U.S.C. 1681 Section 604 A.section 2 : It also states a consumer reporting agency can not furnish a account without my written consent instructions. \n\nI need all these accounts listed investigated and information from your investigated forwarded to me at XXXX or my current home address of XXXX XXXX XXXX XXXX, XXXX XXXX I also want all addresses that are listed on my credit report removed because i have lived at this address for two years and my previous address i lived at up until this time was XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX and other address are not mine and must be removed. \n\nAccount 's to be investigated and information to be sent to me as proof of your investigation. The electronic investigation never wins in the consumer favor because they never send validating information. I want signed contracts from all parties involved to prove i owe these debts listed. \n\n1. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Ut XXXX 2. XXXX XXXX XXXX Account # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX 3. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SC XXXX 4. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX 5. XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, Ut XXXX 6. XXXX  XXXX XXXX  Account # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX 7. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX South Carolina XXXX My Name is : XXXX XXXX The Name XXXX XXXX isn't my name and must be deleted. \nThe Name XXXX XXXX isn't my name and must be deleted. \n\nThese are a few of the laws that have been violated. This warrant 's removal of the false or misleading information. \n\n605A - 15 U.S.C. 1681c-1 the consumer reporting agency shall notify the requester of the existence of the discrepancy.\n\nSee also 16 CFR Part 641 72 Fed. Reg. 63771-72 ( 11/09/07 ) 74 Fed. Reg. 22640-41 ( 05/14/09 ) ( 2 ) Regulations ( A ) Regulations required. The Bureau shall, in consultation with the Federal banking agencies, the XXXX XXXX XXXX XXXX, and the Federal Trade Commission, prescribe regulations providing guidance regarding reasonable policies and procedures that a user of a consumer report should employ when such user has received a notice of discrepancy under paragraph ( 1 ).\n\n( B ) Policies and procedures to be included. The regulations prescribed under subparagraph ( A ) shall describe reasonable policies and procedures for use by a user of a consumer report ( i ) to form a reasonable belief that the user knows the identity of the person to whom the consumer report pertains; and ( ii ) if the user establishes a continuing relationship with the consumer, and the user regularly and in the ordinary course of business furnishes information to the consumer reporting agency from which the notice of discrepancy pertaining to the consumer was obtained, to reconcile the address of the consumer with the consumer reporting agency by furnishing such address to such consumer reporting agency as part of information regularly furnished by the user for the period in which the relationship is established. \n605A.Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ] ( a ) One-call Fraud Alerts ( 1 ) Initial alerts. Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, a consumer reporting agency described in section 603 ( p ) that maintains a file on the consumer and has received appropriate proof of the identity of the requester shall 605A - 15 U.S.C. 1681c-1 27 ( A ) include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, for a period of not less than 1 year, beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period, and the agency has received appropriate proof of the identity of the requester for such purpose; and ( B ) refer the information regarding the fraud alert under this paragraph to each of the other consumer reporting agencies described in section 603 ( p ), in accordance with procedures developed under section 621 ( f ).\n\n( 2 ) Access to free reports. In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 612 ( d ) ; and ( B ) provide to the consumer all disclosures required to be made under section 609, without charge to the consumer, not later than 3 business days after any request described in subparagraph ( A ).\n\n( b ) Extended Alerts ( 1 ) In general. Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who submits an identity theft report to a consumer reporting agency described in section 603 ( p ) that maintains a file on the consumer, if the agency has received appropriate proof of the identity of the requester, the agency shall ( A ) include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, during the 7-year period beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period and the agency has received appropriate proof of the identity of the requester for such purpose ; ( B ) during the 5-year period beginning on the date of such request, exclude the consumer from any list of consumers prepared by the consumer reporting agency and provided to any third party to offer credit or insurance to the consumer as part of a transaction that was not initiated by the consumer, unless the 28 605A - 15 U.S.C. 1681c-1 consumer or such representative requests that such exclusion be rescinded before the end of such period; and ( C ) refer the information regarding the extended fraud alert under this paragraph to each of the other consumer reporting agencies described in section 603 ( p ), in accordance with procedures developed under section 621 ( f ).\n\n( 2 ) Access to free reports. In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request 2 free copies of the file of the consumer pursuant to section 612 ( d ) during the 12-month period beginning on the date on which the fraud alert was included in the file ; and ( B ) provide to the consumer all disclosures required to be made under section 609, without charge to the consumer, not later than 3 business days after any request described in subparagraph ( A ).\n\n( c ) Active duty alerts. Upon the direct request of an active duty military consumer, or an individual acting on behalf of or as a personal representative of an active duty military consumer, a consumer reporting agency described in section 603 ( p ) that maintains a file on the active duty military consumer and has received appropriate proof of the identity of the requester shall ( 1 ) include an active duty alert in the file of that active duty military consumer, and also provide that alert along with any credit score generated in using that file, during a period of not less than 12 months, or such longer period as the Bureau shall determine, by regulation, beginning on the date of the request, unless the active duty military consumer or such representative requests that such fraud alert be removed before the end of such period, and the agency has received appropriate proof of the identity of the requester for such purpose ; ( 2 ) during the 2-year period beginning on the date of such request, exclude the active duty military consumer from any list of consumers prepared by the consumer reporting agency and provided to any third party to offer credit or insurance to the consumer as part of a transaction that was not initiated by the consumer, unless the consumer requests that such exclusion be rescinded before the end of such period ; and 605A - 15 U.S.C. 1681c-1 29 ( 3 ) refer the information regarding the active duty alert to each of the other consumer reporting agencies described in section 603 ( p ), in accordance with procedures developed under section 621 ( f ).\n\nSee also 16 CFR Part 613.1 69 Fed. Reg. 63922 ( XX/XX/XXXX ) ( d ) Procedures. Each consumer reporting agency described in section 603 ( p ) shall establish policies and procedures to comply with this section, including procedures that inform consumers of the availability of initial, extended, and active duty alerts and procedures that allow consumers and active duty military consumers to request initial, extended, or active duty alerts ( as applicable ) in a simple and easy manner, including by telephone.\n\n( e ) Referrals of alerts. Each consumer reporting agency described in section 603 ( p ) that receives a referral of a fraud alert or active duty alert from another consumer reporting agency pursuant to this section shall, as though the agency received the request from the consumer directly, follow the procedures required under ( 1 ) paragraphs ( 1 ) ( A ) and ( 2 ) of subsection ( a ), in the case of a referral under subsection ( a ) ( 1 ) ( B ) ; ( 2 ) paragraphs ( 1 ) ( A ), ( 1 ) ( B ), and ( 2 ) of subsection ( b ), in the case of a referral under subsection ( b ) ( 1 ) ( C ) ; and ( 3 ) paragraphs ( 1 ) and ( 2 ) of subsection ( c ), in the case of a referral under subsection ( c ) ( 3 ).\n\n( f ) Duty of reseller to reconvey alert. A reseller shall include in its report any fraud alert or active duty alert placed in the file of a consumer pursuant to this section by another consumer reporting agency.\n\n( g ) Duty of other consumer reporting agencies to provide contact information.\n\nIf a consumer contacts any consumer reporting agency that is not described in section 603 ( p ) to communicate a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, the agency shall provide information to the consumer on how to contact the Bureau and the consumer reporting agencies described in section 603 ( p ) to obtain more detailed information and request alerts under this section.\n\n( h ) Limitations on Use of Information for Credit Extensions ( 1 ) Requirements for initial and active duty alerts ( A ) Notification. Each initial fraud alert and active duty alert under this section shall include information that notifies all prospective users of a consumer report on the consumer to which the alert 30 605A - 15 U.S.C. 1681c-1 relates that the consumer does not authorize the establishment of any new credit plan or extension of credit, other than under an open-end credit plan ( as defined in section 103 ( i ) ), in the name of the consumer, or issuance of an additional card on an existing credit account requested by a consumer, or any increase in credit limit on an existing credit account requested by a consumer, except in accordance with subparagraph ( B ).\n\n( B ) Limitation on Users ( i ) In general. No prospective user of a consumer report that includes an initial fraud alert or an active duty alert in accordance with this section may establish a new credit plan or extension of credit, other than under an open-end credit plan ( as defined in section 103 ( i ) ), in the name of the consumer, or issue an additional card on an existing credit account requested by a consumer, or grant any increase in credit limit on an existing credit account requested by a consumer, unless the user utilizes reasonable policies and procedures to form a reasonable belief that the user knows the identity of the person making the request.\n\n( ii ) Verification. If a consumer requesting the alert has specified a telephone number to be used for identity verification purposes, before authorizing any new credit plan or extension described in clause ( i ) in the name of such consumer, a user of such consumer report shall contact the consumer using that telephone number or take reasonable steps to verify the consumers identity and confirm that the application for a new credit plan is not the result of identity theft.\n\n( 2 ) Requirements for Extended Alerts ( A ) Notification. Each extended alert under this section shall include information that provides all prospective users of a consumer report relating to a consumer with ( i ) notification that the consumer does not authorize the establishment of any new credit plan or extension of credit described in clause ( i ), other than under an open-end credit plan ( as defined in section 103 ( i ) ), in the name of the consumer, or issuance of an additional card on an existing credit account requested by a consumer, or any increase in credit limit on an existing credit account 605A - 15 U.S.C. 1681c-1 31 requested by a consumer, except in accordance with subparagraph ( B ) ; and ( ii ) a telephone number or other reasonable contact method designated by the consumer.\n\n( B ) Limitation on users. No prospective user of a consumer report or of a credit score generated using the information in the file of a consumer that includes an extended fraud alert in accordance with this section may establish a new credit plan or extension of credit, other than under an open-end credit plan ( as defined in section 103 ( i ) ), in the name of the consumer, or issue an additional card on an existing credit account requested by a consumer, or any increase in credit limit on an existing credit account requested by a consumer, unless the user contacts the consumer in person or using the contact method described in subparagraph ( A ) ( ii ) to confirm that the application for a new credit plan or increase in credit limit, or request for an additional card is not the result of identity theft.\n\n( i ) National security freeze.\n\n( 1 ) Definitions. For purposes of this subsection : ( A ) The term consumer reporting agency means a consumer reporting agency described in section 603 ( p ).\n\n( B ) The term proper identification has the meaning of such term as used under section 610.\n\n( C ) The term security freeze means a restriction that prohibits a consumer reporting agency from disclosing the contents of a consumer report that is subject to such security freeze to any person requesting the consumer report.\n\n( 2 ) Placement of security freeze.\n\n( A ) In general. Upon receiving a direct request from a consumer that a consumer reporting agency place a security freeze, and upon receiving proper identification from the consumer, the consumer reporting agency shall, free of charge, place the security freeze not later than ( i ) in the case of a request that is by toll-free telephone or secure electronic means, 1 business day after receiving the request directly from the consumer; or ( ii ) in the case of a request that is by mail, 3 business days after receiving the request directly from the consumer.\n\n32 605A - 15 U.S.C. 1681c-1 ( B ) Confirmation and additional information.\n\nNot later than 5 business days after placing a security freeze under subparagraph ( A ), a consumer reporting agency shall ( i ) send confirmation of the placement to the consumer ; and ( ii ) inform the consumer of ( I ) the process by which the consumer may remove the security freeze, including a mechanism to authenticate the consumer ; and ( II ) the consumers right described in section 615 ( d ) ( 1 ) ( D ).\n\n( C ) Notice to third parties. A consumer reporting agency may advise a third party that a security freeze has been placed with respect to a consumer under subparagraph ( A ).\n\n( 3 ) Removal of security freeze.\n\n( A ) In general. A consumer reporting agency shall remove a security freeze placed on the consumer report of a consumer only in the following cases : ( i ) Upon the direct request of the consumer.\n\n( ii ) The security freeze was placed due to a material misrepresentation of fact by the consumer.\n\n( B ) Notice if removal not by request. If a consumer reporting agency removes a security freeze under subparagraph ( A ) ( ii ), the consumer reporting agency shall notify the consumer in writing prior to removing the security freeze.\n\n( C ) Removal of security freeze by consumer request. Except as provided in subparagraph ( A ) ( ii ), a security freeze shall remain in place until the consumer directly requests that the security freeze be removed. Upon receiving a direct request from a consumer that a consumer reporting agency remove a security freeze, and upon receiving proper identification from the consumer, the consumer reporting agency shall, free of charge, remove the security freeze not later than ( i ) in the case of a request that is by toll-free telephone or secure electronic means, 1 hour after receiving the request for removal ; or ( ii ) in the case of a request that is by mail, 3 business days after receiving the request for removal.\n\n605A - 15 U.S.C. 1681c-1 33 ( D ) Third-party requests. If a third party requests access to a consumer report of a consumer with respect to which a security freeze is in effect, where such request is in connection with an application for credit, and the consumer does not allow such consumer report to be accessed, the third party may treat the application as incomplete.\n\n( E ) Temporary removal of security freeze. Upon receiving a direct request from a consumer under subparagraph ( A ) ( i ), if the consumer requests a temporary removal of a security freeze, the consumer reporting agency shall, in accordance with subparagraph ( C ), remove the security freeze for the period of time specified by the consumer.\n\n( 4 ) Exceptions. A security freeze shall not apply to the making of a consumer report for use of the following : ( A ) A person or entity, or a subsidiary, affiliate, or agent of that person or entity, or an assignee of a financial obligation owed by the consumer to that person or entity, or a prospective assignee of a financial obligation owed by the consumer to that person or entity in conjunction with the proposed purchase of the financial obligation, with which the consumer has or had prior to assignment an account or contract including a demand deposit account, or to whom the consumer issued a negotiable instrument, for the purposes of reviewing the account or collecting the financial obligation owed for the account, contract, or negotiable instrument. For purposes of this subparagraph, reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.\n\n( B ) Any Federal, State, or local agency, law enforcement agency, trial court, or private collection agency acting pursuant to a court order, warrant, or subpoena.\n\n( C ) A child support agency acting pursuant to part D of title IV of the Social Security Act ( 42 U.S.C. 651 et seq. ).\n\n( D ) A Federal agency or a State or its agents or assigns acting to investigate fraud or acting to investigate or collect delinquent taxes or unpaid court orders or to fulfill any of its other statutory responsibilities, provided such responsibilities are consistent with a permissible purpose under section 604.\n\n34 605A - 15 U.S.C. 1681c-1 ( E ) By a person using credit information for the purposes described under section 604 ( c ).\n\n( F ) Any person or entity administering a credit file monitoring subscription or similar service to which the consumer has subscribed.\n\n( G ) Any person or entity for the purpose of providing a consumer with a copy of the consumers consumer report or credit score, upon the request of the consumer.\n\n( H ) Any person using the information in connection with the underwriting of insurance.\n\n( I ) Any person using the information for employment, tenant, or background screening purposes.\n\n( J ) Any person using the information for assessing, verifying, or authenticating a consumers identity for purposes other than the granting of credit, or for investigating or preventing actual or potential fraud.\n\n( 5 ) Notice of rights. At any time a consumer is required to receive a summary of rights required under section 609, the following notice shall be included : Consumers Have The Right To Obtain A Security Freeze You have a right to place a security freeze on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization.\n\nThe security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit.\n\nAs an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumers credit file.\n\nUpon seeing a fraud alert display on a consumers credit file, a business is required to take steps to verify the consumers identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years.\n\n605A - 15 U.S.C. 1681c-1 35 A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.\n\n( 6 ) Webpage.\n\n( A ) Consumer reporting agencies. A consumer reporting agency shall establish a webpage that ( i ) allows a consumer to request a security freeze ; ( ii ) allows a consumer to request an initial fraud alert ; ( iii ) allows a consumer to request an extended fraud alert ; ( iv ) allows a consumer to request an active duty fraud alert ; ( v ) allows a consumer to opt-out of the use of information in a consumer report to send the consumer a solicitation of credit or insurance, in accordance with section 615 ( d ) ; and ( vi ) shall not be the only mechanism by which a consumer may request a security freeze.\n\n( B ) FTC. The Federal Trade Commission shall establish a single webpage that includes a link to each webpage established under subparagraph ( A ) within the Federal Trade Commissions website www.IdentityTheft.gov, or a successor website.\n\n( j ) National protection for files and credit records of protected consumers.\n\n( 1 ) Definitions. As used in this subsection : ( A ) The term consumer reporting agency means a consumer reporting agency described in section 603 ( p ).\n\n( B ) The term protected consumer means an individual who is ( i ) under the age of 16 years at the time a request for the placement of a security freeze is made ; or ( ii ) an incapacitated person or a protected person for whom a guardian or conservator has been appointed.\n\n( C ) The term protected consumers representative means a person who provides to a consumer reporting agency sufficient proof of authority to act on behalf of a protected consumer.\n\n36 605A - 15 U.S.C. 1681c-1 ( D ) The term record means a compilation of information that ( i ) identifies a protected consumer ; ( ii ) is created by a consumer reporting agency solely for the purpose of complying with this subsection; and ( iii ) may not be created or used to consider the protected consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.\n\n( E ) The term security freeze means a restriction that prohibits a consumer reporting agency from disclosing the contents of a consumer report that is the subject of such security freeze or, in the case of a protected consumer for whom the consumer reporting agency does not have a file, a record that is subject to such security freeze to any person requesting the consumer report for the purpose of opening a new account involving the extension of credit.\n\n( F ) The term sufficient proof of authority means documentation that shows a protected consumers representative has authority to act on behalf of a protected consumer and includes ( i ) an order issued by a court of law ; ( ii ) a lawfully executed and valid power of attorney ; ( iii ) a document issued by a Federal, State, or local government agency in the United States showing proof of parentage, including a birth certificate ; or ( iv ) with respect to a protected consumer who has been placed in a foster care setting, a written communication from a county welfare department or its agent or designee, or a county probation department or its agent or designee, certifying that the protected consumer is in a foster care setting under its jurisdiction.\n\n( G ) The term sufficient proof of identification means information or documentation that identifies a protected consumer and a protected consumers representative and includes ( i ) a social security number or a copy of a social security card issued by the Social Security Administration ; S. 215536 ( ii ) a certified or official copy of a birth certificate issued by the entity authorized to issue the birth certificate ; or 605A - 15 U.S.C. 1681c-1 37 ( iii ) a copy of a drivers license, an identification card issued by the motor vehicle administration, or any other government issued identification.\n\n( 2 ) Placement of security freeze for a protected consumer.\n\n( A ) In general. Upon receiving a direct request from a protected consumers representative that a consumer reporting agency place a security freeze, and upon receiving sufficient proof of identification and sufficient proof of authority, the consumer reporting agency shall, free of charge, place the security freeze not later than ( i ) in the case of a request that is by toll-free telephone or secure electronic means, 1 business day after receiving the request directly from the protected consumers representative; or ( ii ) in the case of a request that is by mail, 3 business days after receiving the request directly from the protected consumers representative.\n\n( B ) Confirmation and additional information.\n\nNot later than 5 business days after placing a security freeze under subparagraph ( A ), a consumer reporting agency shall ( i ) send confirmation of the placement to the protected consumers representative ; and ( ii ) inform the protected consumers representative of the process by which the protected consumer may remove the security freeze, including a mechanism to authenticate the protected consumers representative.\n\n( C ) Creation of file. If a consumer reporting agency does not have a file pertaining to a protected consumer when the consumer reporting agency receives a direct request under subparagraph ( A ), the consumer reporting agency shall create a record for the protected consumer.\n\n( 3 ) Prohibition on release of record or file of protected consumer. After a security freeze has been placed under paragraph ( 2 ) ( A ), and unless the security freeze is removed in accordance with this subsection, a consumer reporting agency may not release the protected consumers consumer report, any information derived from the protected consumers consumer report, or any record created for the protected consumer.\n\n38 605A - 15 U.S.C. 1681c-1 ( 4 ) Removal of a protected consumer security freeze.\n\n( A ) In general. A consumer reporting agency shall remove a security freeze placed on the consumer report of a protected consumer only in the following cases : ( i ) Upon the direct request of the protected consumers representative.\n\n( ii ) Upon the direct request of the protected consumer, if the protected consumer is not under the age of 16 years at the time of the request.\n\n( iii ) The security freeze was placed due to a material misrepresentation of fact by the protected consumers representative.\n\n( B ) Notice if removal not by request. If a consumer reporting agency removes a security freeze under subparagraph ( A ) ( iii ), the consumer reporting agency shall notify the protected consumers representative in writing prior to removing the security freeze.\n\n( C ) Removal of freeze by request. Except as provided in subparagraph ( A ) ( iii ), a security freeze shall remain in place until a protected consumers representative or protected consumer described in subparagraph ( A ) ( ii ) directly requests that the security freeze be removed. Upon receiving a direct request from the protected consumers representative or protected consumer described in subparagraph ( A ) ( ii ) that a consumer reporting agency remove a security freeze, and upon receiving sufficient proof of identification and sufficient proof of authority, the consumer reporting agency shall, free of charge, remove the security freeze not later than ( i ) in the case of a request that is by toll-free telephone or secure electronic means, 1 hour after receiving the request for removal ; or ( ii ) in the case of a request that is by mail, 3 business days after receiving the request for removal.\n\n( D ) Temporary removal of security freeze. Upon receiving a direct request from a protected consumer or a protected consumers representative under subparagraph ( A ) ( i ), if the protected consumer or protected consumers representative requests a temporary removal of a security freeze, the consumer reporting agency shall, in accordance with subparagraph ( I have asked XXXX to investigate and I have disputed all account 's that I wasn't familar with or have no knowledge of because i was a victim of id theft and my information was being sold on the XXXX web. I have pasted all the violations that have been violated by the said reporting agency and i want all the account 's Investigated fully and removed once it is found that these debt 's are not min","date_sent_to_company":"2022-04-09T18:36:46.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"392XX","tags":null,"has_narrative":true,"complaint_id":"5428113","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-04-09T18:36:39.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["( F ) The term sufficient proof of authority means <em>documentation</em> that shows a protected consumers representative has authority to act on behalf of a protected consumer and includes ( i ) an order issued by a court of law ; ( ii ) a lawfully executed and <em>valid</em> power of attorney ; ( iii ) a document issued by a Federal, State, or local government agency in the United States showing proof of parentage, <em>including</em> a birth certificate ; or ( iv ) with respect to a protected consumer who has been placed"],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[5.9309764,"5428113"]},{"_index":"complaint-public-v1","_id":"5428111","_score":5.922416,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting Act : Experian, XXXX, XXXX XXXX XXXX has violated my rights. \n\n15 U.S.C 1681 section 602 A. States I have the right to Privacy.\n\n15 U.S.C. 1681 Section 604 A.section 2 : It also states a consumer reporting agency can not furnish a account without my written consent instructions.\n\nI need all these accounts listed investigated and information from your investigated forwarded to me at XXXX or my current home address of XXXX XXXX XXXX XXXX, XXXX XXXX I also want all addresses that are listed on my credit report removed because i have lived at this address for two years and my previous address i lived at up until this time was XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX and other address are not mine and must be removed. \n\nAccount 's to be investigated and information to be sent to me as proof of your investigation. The electronic investigation never wins in the consumer favor because they never send validating information. I want signed contracts from all parties involved to prove i owe these debts listed. \n\n1. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Ut XXXX 2. XXXX XXXX XXXX Account # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX 3. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX- XXXX XXXX SC XXXX 4. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX 5. XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, Ut XXXX 6. XXXX XXXX XXXX  Account # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX 7. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX South Carolina XXXX My Name is : XXXX XXXX The Name XXXX XXXX isn't my name and must be deleted. \nThe Name XXXX XXXX isn't my name and must be deleted. \n\nThese are a few of the laws that have been violated. This warrant 's removal of the false or misleading information. \n\n605A - 15 U.S.C. 1681c-1 the consumer reporting agency shall notify the requester of the existence of the discrepancy. \nSee also 16 CFR Part 641 72 Fed. Reg. 63771-72 ( 11/09/07 ) 74 Fed. Reg. 22640-41 ( 05/14/09 ) ( 2 ) Regulations ( A ) Regulations required. The Bureau shall, in consultation with the Federal banking agencies, the XXXX XXXX XXXX XXXX, and the Federal Trade Commission, prescribe regulations providing guidance regarding reasonable policies and procedures that a user of a consumer report should employ when such user has received a notice of discrepancy under paragraph ( 1 ).\n\n( B ) Policies and procedures to be included. The regulations prescribed under subparagraph ( A ) shall describe reasonable policies and procedures for use by a user of a consumer report ( i ) to form a reasonable belief that the user knows the identity of the person to whom the consumer report pertains; and ( ii ) if the user establishes a continuing relationship with the consumer, and the user regularly and in the ordinary course of business furnishes information to the consumer reporting agency from which the notice of discrepancy pertaining to the consumer was obtained, to reconcile the address of the consumer with the consumer reporting agency by furnishing such address to such consumer reporting agency as part of information regularly furnished by the user for the period in which the relationship is established. \n605A.Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ] ( a ) One-call Fraud Alerts ( 1 ) Initial alerts. Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, a consumer reporting agency described in section 603 ( p ) that maintains a file on the consumer and has received appropriate proof of the identity of the requester shall 605A - 15 U.S.C. 1681c-1 27 ( A ) include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, for a period of not less than 1 year, beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period, and the agency has received appropriate proof of the identity of the requester for such purpose; and ( B ) refer the information regarding the fraud alert under this paragraph to each of the other consumer reporting agencies described in section 603 ( p ), in accordance with procedures developed under section 621 ( f ).\n\n( 2 ) Access to free reports. In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 612 ( d ) ; and ( B ) provide to the consumer all disclosures required to be made under section 609, without charge to the consumer, not later than 3 business days after any request described in subparagraph ( A ).\n\n( b ) Extended Alerts ( 1 ) In general. Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who submits an identity theft report to a consumer reporting agency described in section 603 ( p ) that maintains a file on the consumer, if the agency has received appropriate proof of the identity of the requester, the agency shall ( A ) include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, during the 7-year period beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period and the agency has received appropriate proof of the identity of the requester for such purpose ; ( B ) during the 5-year period beginning on the date of such request, exclude the consumer from any list of consumers prepared by the consumer reporting agency and provided to any third party to offer credit or insurance to the consumer as part of a transaction that was not initiated by the consumer, unless the 28 605A - 15 U.S.C. 1681c-1 consumer or such representative requests that such exclusion be rescinded before the end of such period; and ( C ) refer the information regarding the extended fraud alert under this paragraph to each of the other consumer reporting agencies described in section 603 ( p ), in accordance with procedures developed under section 621 ( f ).\n\n( 2 ) Access to free reports. In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request 2 free copies of the file of the consumer pursuant to section 612 ( d ) during the 12-month period beginning on the date on which the fraud alert was included in the file ; and ( B ) provide to the consumer all disclosures required to be made under section 609, without charge to the consumer, not later than 3 business days after any request described in subparagraph ( A ). \n( c ) XXXX XXXX alerts. Upon the direct request of an XXXX XXXX military consumer, or an individual acting on behalf of or as a personal representative of an XXXX XXXX military consumer, a consumer reporting agency described in section 603 ( p ) that maintains a file on the XXXX XXXX military consumer and has received appropriate proof of the identity of the requester shall ( 1 ) include an XXXX XXXX alert in the file of that XXXX XXXX military consumer, and also provide that alert along with any credit score generated in using that file, during a period of not less than 12 months, or such longer period as the Bureau shall determine, by regulation, beginning on the date of the request, unless the XXXX XXXX military consumer or such representative requests that such fraud alert be removed before the end of such period, and the agency has received appropriate proof of the identity of the requester for such purpose ; ( 2 ) during the 2-year period beginning on the date of such request, exclude the XXXX XXXX military consumer from any list of consumers prepared by the consumer reporting agency and provided to any third party to offer credit or insurance to the consumer as part of a transaction that was not initiated by the consumer, unless the consumer requests that such exclusion be rescinded before the end of such period ; and 605A - 15 U.S.C. 1681c-1 29 ( 3 ) refer the information regarding the XXXX XXXX alert to each of the other consumer reporting agencies described in section 603 ( p ), in accordance with procedures developed under section 621 ( f ).\n\nSee also 16 CFR Part 613.1 69 Fed. Reg. 63922 ( 11/03/04 ) ( d ) Procedures. Each consumer reporting agency described in section 603 ( p ) shall establish policies and procedures to comply with this section, including procedures that inform consumers of the availability of initial, extended, and XXXX XXXX alerts and procedures that allow consumers and XXXX XXXX military consumers to request initial, extended, or XXXX XXXX alerts ( as applicable ) in a simple and easy manner, including by telephone. \n( e ) Referrals of alerts. Each consumer reporting agency described in section 603 ( p ) that receives a referral of a fraud alert or XXXX XXXX alert from another consumer reporting agency pursuant to this section shall, as though the agency received the request from the consumer directly, follow the procedures required under ( 1 ) paragraphs ( 1 ) ( A ) and ( 2 ) of subsection ( a ), in the case of a referral under subsection ( a ) ( 1 ) ( B ) ; ( 2 ) paragraphs ( 1 ) ( A ), ( 1 ) ( B ), and ( 2 ) of subsection ( b ), in the case of a referral under subsection ( b ) ( 1 ) ( C ) ; and ( 3 ) paragraphs ( 1 ) and ( 2 ) of subsection ( c ), in the case of a referral under subsection ( c ) ( 3 ).\n\n( f ) Duty of reseller to reconvey alert. A reseller shall include in its report any fraud alert or XXXX XXXX alert placed in the file of a consumer pursuant to this section by another consumer reporting agency. \n( g ) Duty of other consumer reporting agencies to provide contact information. \nIf a consumer contacts any consumer reporting agency that is not described in section 603 ( p ) to communicate a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, the agency shall provide information to the consumer on how to contact the Bureau and the consumer reporting agencies described in section 603 ( p ) to obtain more detailed information and request alerts under this section.\n\n( h ) Limitations on Use of Information for Credit Extensions ( 1 ) Requirements for initial and XXXX XXXX alerts ( A ) Notification. Each initial fraud alert and XXXX XXXX alert under this section shall include information that notifies all prospective users of a consumer report on the consumer to which the alert 30 605A - 15 U.S.C. 1681c-1 relates that the consumer does not authorize the establishment of any new credit plan or extension of credit, other than under an open-end credit plan ( as defined in section 103 ( i ) ), in the name of the consumer, or issuance of an additional card on an existing credit account requested by a consumer, or any increase in credit limit on an existing credit account requested by a consumer, except in accordance with subparagraph ( B ).\n\n( B ) Limitation on Users ( i ) In general. No prospective user of a consumer report that includes an initial fraud alert or an XXXX XXXX alert in accordance with this section may establish a new credit plan or extension of credit, other than under an open-end credit plan ( as defined in section 103 ( i ) ), in the name of the consumer, or issue an additional card on an existing credit account requested by a consumer, or grant any increase in credit limit on an existing credit account requested by a consumer, unless the user utilizes reasonable policies and procedures to form a reasonable belief that the user knows the identity of the person making the request. \n( ii ) Verification. If a consumer requesting the alert has specified a telephone number to be used for identity verification purposes, before authorizing any new credit plan or extension described in clause ( i ) in the name of such consumer, a user of such consumer report shall contact the consumer using that telephone number or take reasonable steps to verify the consumers identity and confirm that the application for a new credit plan is not the result of identity theft.\n\n( 2 ) Requirements for Extended Alerts ( A ) Notification. Each extended alert under this section shall include information that provides all prospective users of a consumer report relating to a consumer with ( i ) notification that the consumer does not authorize the establishment of any new credit plan or extension of credit described in clause ( i ), other than under an open-end credit plan ( as defined in section 103 ( i ) ), in the name of the consumer, or issuance of an additional card on an existing credit account requested by a consumer, or any increase in credit limit on an existing credit account 605A - 15 U.S.C. 1681c-1 31 requested by a consumer, except in accordance with subparagraph ( B ) ; and ( ii ) a telephone number or other reasonable contact method designated by the consumer.\n\n( B ) Limitation on users. No prospective user of a consumer report or of a credit score generated using the information in the file of a consumer that includes an extended fraud alert in accordance with this section may establish a new credit plan or extension of credit, other than under an open-end credit plan ( as defined in section 103 ( i ) ), in the name of the consumer, or issue an additional card on an existing credit account requested by a consumer, or any increase in credit limit on an existing credit account requested by a consumer, unless the user contacts the consumer in person or using the contact method described in subparagraph ( A ) ( ii ) to confirm that the application for a new credit plan or increase in credit limit, or request for an additional card is not the result of identity theft.\n\n( i ) National security freeze.\n\n( 1 ) Definitions. For purposes of this subsection : ( A ) The term consumer reporting agency means a consumer reporting agency described in section 603 ( p ).\n\n( B ) The term proper identification has the meaning of such term as used under section 610.\n\n( C ) The term security freeze means a restriction that prohibits a consumer reporting agency from disclosing the contents of a consumer report that is subject to such security freeze to any person requesting the consumer report.\n\n( 2 ) Placement of security freeze.\n\n( A ) In general. Upon receiving a direct request from a consumer that a consumer reporting agency place a security freeze, and upon receiving proper identification from the consumer, the consumer reporting agency shall, free of charge, place the security freeze not later than ( i ) in the case of a request that is by toll-free telephone or secure electronic means, 1 business day after receiving the request directly from the consumer; or ( ii ) in the case of a request that is by mail, 3 business days after receiving the request directly from the consumer.\n\n32 605A - 15 U.S.C. 1681c-1 ( B ) Confirmation and additional information.\n\nNot later than 5 business days after placing a security freeze under subparagraph ( A ), a consumer reporting agency shall ( i ) send confirmation of the placement to the consumer ; and ( ii ) inform the consumer of ( I ) the process by which the consumer may remove the security freeze, including a mechanism to authenticate the consumer ; and ( II ) the consumers right described in section 615 ( d ) ( 1 ) ( D ).\n\n( C ) Notice to third parties. A consumer reporting agency may advise a third party that a security freeze has been placed with respect to a consumer under subparagraph ( A ).\n\n( 3 ) Removal of security freeze.\n\n( A ) In general. A consumer reporting agency shall remove a security freeze placed on the consumer report of a consumer only in the following cases : ( i ) Upon the direct request of the consumer.\n\n( ii ) The security freeze was placed due to a material misrepresentation of fact by the consumer.\n\n( B ) Notice if removal not by request. If a consumer reporting agency removes a security freeze under subparagraph ( A ) ( ii ), the consumer reporting agency shall notify the consumer in writing prior to removing the security freeze.\n\n( C ) Removal of security freeze by consumer request. Except as provided in subparagraph ( A ) ( ii ), a security freeze shall remain in place until the consumer directly requests that the security freeze be removed. Upon receiving a direct request from a consumer that a consumer reporting agency remove a security freeze, and upon receiving proper identification from the consumer, the consumer reporting agency shall, free of charge, remove the security freeze not later than ( i ) in the case of a request that is by toll-free telephone or secure electronic means, 1 hour after receiving the request for removal ; or ( ii ) in the case of a request that is by mail, 3 business days after receiving the request for removal.\n\n605A - 15 U.S.C. 1681c-1 33 ( D ) Third-party requests. If a third party requests access to a consumer report of a consumer with respect to which a security freeze is in effect, where such request is in connection with an application for credit, and the consumer does not allow such consumer report to be accessed, the third party may treat the application as incomplete.\n\n( E ) Temporary removal of security freeze. Upon receiving a direct request from a consumer under subparagraph ( A ) ( i ), if the consumer requests a temporary removal of a security freeze, the consumer reporting agency shall, in accordance with subparagraph ( C ), remove the security freeze for the period of time specified by the consumer.\n\n( 4 ) Exceptions. A security freeze shall not apply to the making of a consumer report for use of the following : ( A ) A person or entity, or a subsidiary, affiliate, or agent of that person or entity, or an assignee of a financial obligation owed by the consumer to that person or entity, or a prospective assignee of a financial obligation owed by the consumer to that person or entity in conjunction with the proposed purchase of the financial obligation, with which the consumer has or had prior to assignment an account or contract including a demand deposit account, or to whom the consumer issued a negotiable instrument, for the purposes of reviewing the account or collecting the financial obligation owed for the account, contract, or negotiable instrument. For purposes of this subparagraph, reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.\n\n( B ) Any Federal, State, or local agency, law enforcement agency, trial court, or private collection agency acting pursuant to a court order, warrant, or subpoena.\n\n( C ) A child support agency acting pursuant to part D of title IV of the Social Security Act ( 42 U.S.C. 651 et seq. ).\n\n( D ) A Federal agency or a State or its agents or assigns acting to investigate fraud or acting to investigate or collect delinquent taxes or unpaid court orders or to fulfill any of its other statutory responsibilities, provided such responsibilities are consistent with a permissible purpose under section 604.\n\n34 605A - 15 U.S.C. 1681c-1 ( E ) By a person using credit information for the purposes described under section 604 ( c ).\n\n( F ) Any person or entity administering a credit file monitoring subscription or similar service to which the consumer has subscribed.\n\n( G ) Any person or entity for the purpose of providing a consumer with a copy of the consumers consumer report or credit score, upon the request of the consumer.\n\n( H ) Any person using the information in connection with the underwriting of insurance.\n\n( I ) Any person using the information for employment, tenant, or background screening purposes.\n\n( J ) Any person using the information for assessing, verifying, or authenticating a consumers identity for purposes other than the granting of credit, or for investigating or preventing actual or potential fraud.\n\n( 5 ) Notice of rights. At any time a consumer is required to receive a summary of rights required under section 609, the following notice shall be included : Consumers Have The Right To Obtain A Security Freeze You have a right to place a security freeze on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization.\n\nThe security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit.\n\nAs an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumers credit file.\n\nUpon seeing a fraud alert display on a consumers credit file, a business is required to take steps to verify the consumers identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years.\n\n605A - 15 U.S.C. 1681c-1 35 A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.\n\n( 6 ) Webpage.\n\n( A ) Consumer reporting agencies. A consumer reporting agency shall establish a webpage that ( i ) allows a consumer to request a security freeze ; ( ii ) allows a consumer to request an initial fraud alert ; ( iii ) allows a consumer to request an extended fraud alert ; ( iv ) allows a consumer to request an active duty fraud alert ; ( v ) allows a consumer to opt-out of the use of information in a consumer report to send the consumer a solicitation of credit or insurance, in accordance with section 615 ( d ) ; and ( vi ) shall not be the only mechanism by which a consumer may request a security freeze.\n\n( B ) FTC. The Federal Trade Commission shall establish a single webpage that includes a link to each webpage established under subparagraph ( A ) within the Federal Trade Commissions website www.IdentityTheft.gov, or a successor website.\n\n( j ) National protection for files and credit records of protected consumers.\n\n( 1 ) Definitions. As used in this subsection : ( A ) The term consumer reporting agency means a consumer reporting agency described in section 603 ( p ).\n\n( B ) The term protected consumer means an individual who is ( i ) under the age of 16 years at the time a request for the placement of a security freeze is made ; or ( ii ) an incapacitated person or a protected person for whom a guardian or conservator has been appointed.\n\n( C ) The term protected consumers representative means a person who provides to a consumer reporting agency sufficient proof of authority to act on behalf of a protected consumer.\n\n36 605A - 15 U.S.C. 1681c-1 ( D ) The term record means a compilation of information that ( i ) identifies a protected consumer ; ( ii ) is created by a consumer reporting agency solely for the purpose of complying with this subsection; and ( iii ) may not be created or used to consider the protected consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.\n\n( E ) The term security freeze means a restriction that prohibits a consumer reporting agency from disclosing the contents of a consumer report that is the subject of such security freeze or, in the case of a protected consumer for whom the consumer reporting agency does not have a file, a record that is subject to such security freeze to any person requesting the consumer report for the purpose of opening a new account involving the extension of credit.\n\n( F ) The term sufficient proof of authority means documentation that shows a protected consumers representative has authority to act on behalf of a protected consumer and includes ( i ) an order issued by a court of law ; ( ii ) a lawfully executed and valid power of attorney ; ( iii ) a document issued by a Federal, State, or local government agency in the United States showing proof of parentage, including a birth certificate ; or ( iv ) with respect to a protected consumer who has been placed in a foster care setting, a written communication from a county welfare department or its agent or designee, or a county probation department or its agent or designee, certifying that the protected consumer is in a foster care setting under its jurisdiction.\n\n( G ) The term sufficient proof of identification means information or documentation that identifies a protected consumer and a protected consumers representative and includes ( i ) a social security number or a copy of a social security card issued by the Social Security Administration ; S. 215536 ( ii ) a certified or official copy of a birth certificate issued by the entity authorized to issue the birth certificate ; or 605A - 15 U.S.C. 1681c-1 37 ( iii ) a copy of a drivers license, an identification card issued by the motor vehicle administration, or any other government issued identification.\n\n( 2 ) Placement of security freeze for a protected consumer.\n\n( A ) In general. Upon receiving a direct request from a protected consumers representative that a consumer reporting agency place a security freeze, and upon receiving sufficient proof of identification and sufficient proof of authority, the consumer reporting agency shall, free of charge, place the security freeze not later than ( i ) in the case of a request that is by toll-free telephone or secure electronic means, 1 business day after receiving the request directly from the protected consumers representative; or ( ii ) in the case of a request that is by mail, 3 business days after receiving the request directly from the protected consumers representative.\n\n( B ) Confirmation and additional information.\n\nNot later than 5 business days after placing a security freeze under subparagraph ( A ), a consumer reporting agency shall ( i ) send confirmation of the placement to the protected consumers representative ; and ( ii ) inform the protected consumers representative of the process by which the protected consumer may remove the security freeze, including a mechanism to authenticate the protected consumers representative.\n\n( C ) Creation of file. If a consumer reporting agency does not have a file pertaining to a protected consumer when the consumer reporting agency receives a direct request under subparagraph ( A ), the consumer reporting agency shall create a record for the protected consumer.\n\n( 3 ) Prohibition on release of record or file of protected consumer. After a security freeze has been placed under paragraph ( 2 ) ( A ), and unless the security freeze is removed in accordance with this subsection, a consumer reporting agency may not release the protected consumers consumer report, any information derived from the protected consumers consumer report, or any record created for the protected consumer.\n\n38 605A - 15 U.S.C. 1681c-1 ( 4 ) Removal of a protected consumer security freeze.\n\n( A ) In general. A consumer reporting agency shall remove a security freeze placed on the consumer report of a protected consumer only in the following cases : ( i ) Upon the direct request of the protected consumers representative.\n\n( ii ) Upon the direct request of the protected consumer, if the protected consumer is not under the age of 16 years at the time of the request.\n\n( iii ) The security freeze was placed due to a material misrepresentation of fact by the protected consumers representative.\n\n( B ) Notice if removal not by request. If a consumer reporting agency removes a security freeze under subparagraph ( A ) ( iii ), the consumer reporting agency shall notify the protected consumers representative in writing prior to removing the security freeze.\n\n( C ) Removal of freeze by request. Except as provided in subparagraph ( A ) ( iii ), a security freeze shall remain in place until a protected consumers representative or protected consumer described in subparagraph ( A ) ( ii ) directly requests that the security freeze be removed. Upon receiving a direct request from the protected consumers representative or protected consumer described in subparagraph ( A ) ( ii ) that a consumer reporting agency remove a security freeze, and upon receiving sufficient proof of identification and sufficient proof of authority, the consumer reporting agency shall, free of charge, remove the security freeze not later than ( i ) in the case of a request that is by toll-free telephone or secure electronic means, 1 hour after receiving the request for removal ; or ( ii ) in the case of a request that is by mail, 3 business days after receiving the request for removal.\n\n( D ) Temporary removal of security freeze. Upon receiving a direct request from a protected consumer or a protected consumers representative under subparagraph ( A ) ( i ), if the protected consumer or protected consumers representative requests a temporary removal of a security freeze, the consumer reporting agency shall, in accordance with subparagraph ( I have asked Experian to investigate and I have disputed all account 's that I wasn't familar with or have no knowledge of because i was a victim of id theft and my information was being sold on the XXXX web. I have pasted all the violations that have been violated by the said reporting agency and i want all the account 's Investigated fully and removed once it is found that these debt 's are not min","date_sent_to_company":"2022-04-09T18:36:27.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"392XX","tags":null,"has_narrative":true,"complaint_id":"5428111","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-04-09T17:34:41.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["( F ) The term sufficient proof of authority means <em>documentation</em> that shows a protected consumers representative has authority to act on behalf of a protected consumer and includes ( i ) an order issued by a court of law ; ( ii ) a lawfully executed and <em>valid</em> power of attorney ; ( iii ) a document issued by a Federal, State, or local government agency in the United States showing proof of parentage, <em>including</em> a birth certificate ; or ( iv ) with respect to a protected consumer who has been placed"],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[5.922416,"5428111"]},{"_index":"complaint-public-v1","_id":"5428114","_score":5.921157,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting Act : XXXX, XXXX, Equifax XXXX XXXX has violated my rights. \n\n15 U.S.C 1681 section 602 A. States I have the right to Privacy.\n\n15 U.S.C. 1681 Section 604 A.section 2 : It also states a consumer reporting agency can not furnish a account without my written consent instructions.\n\nI need all these accounts listed investigated and information from your investigated forwarded to me at XXXX or my current home address of XXXX XXXX XXXX XXXX, XXXX XXXX I also want all addresses that are listed on my credit report removed because i have lived at this address for XXXX years and my previous address i lived at up until this time was XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX and other address are not mine and must be removed. \n\nAccount 's to be investigated and information to be sent to me as proof of your investigation. The electronic investigation never wins in the consumer favor because they never send validating information. I want signed contracts from all parties involved to prove i owe these debts listed. \n\n1. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Ut XXXX 2. XXXX XXXX XXXX Account # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX 3. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SC XXXX 4. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX 5. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, Ut XXXX 6. XXXX  XXXX Bank Account # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX 7. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX South Carolina XXXX My Name is : XXXX XXXX The Name XXXX XXXX isn't my name and must be deleted. \nThe Name XXXX XXXX isn't my name and must be deleted. \n\nThese are a few of the laws that have been violated. This warrant 's removal of the false or misleading information. \n\n605A - 15 U.S.C. 1681c-1 the consumer reporting agency shall notify the requester of the existence of the discrepancy.\n\nSee also 16 CFR Part 641 72 Fed. Reg. 63771-72 ( 11/09/07 ) 74 Fed. Reg. 22640-41 ( 05/14/09 ) ( 2 ) Regulations ( A ) Regulations required. The Bureau shall, in consultation with the Federal banking agencies, the XXXX XXXX XXXX XXXX, and the Federal Trade Commission, prescribe regulations providing guidance regarding reasonable policies and procedures that a user of a consumer report should employ when such user has received a notice of discrepancy under paragraph ( 1 ).\n\n( B ) Policies and procedures to be included. The regulations prescribed under subparagraph ( A ) shall describe reasonable policies and procedures for use by a user of a consumer report ( i ) to form a reasonable belief that the user knows the identity of the person to whom the consumer report pertains; and ( ii ) if the user establishes a continuing relationship with the consumer, and the user regularly and in the ordinary course of business furnishes information to the consumer reporting agency from which the notice of discrepancy pertaining to the consumer was obtained, to reconcile the address of the consumer with the consumer reporting agency by furnishing such address to such consumer reporting agency as part of information regularly furnished by the user for the period in which the relationship is established.\n\n605A.Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ] ( a ) One-call Fraud Alerts ( 1 ) Initial alerts. Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, a consumer reporting agency described in section 603 ( p ) that maintains a file on the consumer and has received appropriate proof of the identity of the requester shall 605A - 15 U.S.C. 1681c-1 27 ( A ) include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, for a period of not less than 1 year, beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period, and the agency has received appropriate proof of the identity of the requester for such purpose; and ( B ) refer the information regarding the fraud alert under this paragraph to each of the other consumer reporting agencies described in section 603 ( p ), in accordance with procedures developed under section 621 ( f ).\n\n( 2 ) Access to free reports. In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 612 ( d ) ; and ( B ) provide to the consumer all disclosures required to be made under section 609, without charge to the consumer, not later than 3 business days after any request described in subparagraph ( A ).\n\n( b ) Extended Alerts ( 1 ) In general. Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who submits an identity theft report to a consumer reporting agency described in section 603 ( p ) that maintains a file on the consumer, if the agency has received appropriate proof of the identity of the requester, the agency shall ( A ) include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, during the 7-year period beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period and the agency has received appropriate proof of the identity of the requester for such purpose ; ( B ) during the 5-year period beginning on the date of such request, exclude the consumer from any list of consumers prepared by the consumer reporting agency and provided to any third party to offer credit or insurance to the consumer as part of a transaction that was not initiated by the consumer, unless the 28 605A - 15 U.S.C. 1681c-1 consumer or such representative requests that such exclusion be rescinded before the end of such period; and ( C ) refer the information regarding the extended fraud alert under this paragraph to each of the other consumer reporting agencies described in section 603 ( p ), in accordance with procedures developed under section 621 ( f ).\n\n( 2 ) Access to free reports. In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request 2 free copies of the file of the consumer pursuant to section 612 ( d ) during the 12-month period beginning on the date on which the fraud alert was included in the file ; and ( B ) provide to the consumer all disclosures required to be made under section 609, without charge to the consumer, not later than 3 business days after any request described in subparagraph ( A ).\n\n( c ) Active duty alerts. Upon the direct request of an active duty military consumer, or an individual acting on behalf of or as a personal representative of an active duty military consumer, a consumer reporting agency described in section 603 ( p ) that maintains a file on the active duty military consumer and has received appropriate proof of the identity of the requester shall ( 1 ) include an active duty alert in the file of that active duty military consumer, and also provide that alert along with any credit score generated in using that file, during a period of not less than 12 months, or such longer period as the Bureau shall determine, by regulation, beginning on the date of the request, unless the active duty military consumer or such representative requests that such fraud alert be removed before the end of such period, and the agency has received appropriate proof of the identity of the requester for such purpose ; ( 2 ) during the 2-year period beginning on the date of such request, exclude the active duty military consumer from any list of consumers prepared by the consumer reporting agency and provided to any third party to offer credit or insurance to the consumer as part of a transaction that was not initiated by the consumer, unless the consumer requests that such exclusion be rescinded before the end of such period ; and 605A - 15 U.S.C. 1681c-1 29 ( 3 ) refer the information regarding the active duty alert to each of the other consumer reporting agencies described in section 603 ( p ), in accordance with procedures developed under section 621 ( f ).\n\nSee also 16 CFR Part 613.1 69 Fed. Reg. 63922 ( 11/03/04 ) ( d ) Procedures. Each consumer reporting agency described in section 603 ( p ) shall establish policies and procedures to comply with this section, including procedures that inform consumers of the availability of initial, extended, and active duty alerts and procedures that allow consumers and active duty military consumers to request initial, extended, or active duty alerts ( as applicable ) in a simple and easy manner, including by telephone.\n\n( e ) Referrals of alerts. Each consumer reporting agency described in section 603 ( p ) that receives a referral of a fraud alert or active duty alert from another consumer reporting agency pursuant to this section shall, as though the agency received the request from the consumer directly, follow the procedures required under ( 1 ) paragraphs ( 1 ) ( A ) and ( 2 ) of subsection ( a ), in the case of a referral under subsection ( a ) ( 1 ) ( B ) ; ( 2 ) paragraphs ( 1 ) ( A ), ( 1 ) ( B ), and ( 2 ) of subsection ( b ), in the case of a referral under subsection ( b ) ( 1 ) ( C ) ; and ( 3 ) paragraphs ( 1 ) and ( 2 ) of subsection ( c ), in the case of a referral under subsection ( c ) ( 3 ).\n\n( f ) Duty of reseller to reconvey alert. A reseller shall include in its report any fraud alert or active duty alert placed in the file of a consumer pursuant to this section by another consumer reporting agency.\n\n( g ) Duty of other consumer reporting agencies to provide contact information.\n\nIf a consumer contacts any consumer reporting agency that is not described in section 603 ( p ) to communicate a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, the agency shall provide information to the consumer on how to contact the Bureau and the consumer reporting agencies described in section 603 ( p ) to obtain more detailed information and request alerts under this section.\n\n( h ) Limitations on Use of Information for Credit Extensions ( 1 ) Requirements for initial and active duty alerts ( A ) Notification. Each initial fraud alert and active duty alert under this section shall include information that notifies all prospective users of a consumer report on the consumer to which the alert 30 605A - 15 U.S.C. 1681c-1 relates that the consumer does not authorize the establishment of any new credit plan or extension of credit, other than under an open-end credit plan ( as defined in section 103 ( i ) ), in the name of the consumer, or issuance of an additional card on an existing credit account requested by a consumer, or any increase in credit limit on an existing credit account requested by a consumer, except in accordance with subparagraph ( B ).\n\n( B ) Limitation on Users ( i ) In general. No prospective user of a consumer report that includes an initial fraud alert or an active duty alert in accordance with this section may establish a new credit plan or extension of credit, other than under an open-end credit plan ( as defined in section 103 ( i ) ), in the name of the consumer, or issue an additional card on an existing credit account requested by a consumer, or grant any increase in credit limit on an existing credit account requested by a consumer, unless the user utilizes reasonable policies and procedures to form a reasonable belief that the user knows the identity of the person making the request.\n\n( ii ) Verification. If a consumer requesting the alert has specified a telephone number to be used for identity verification purposes, before authorizing any new credit plan or extension described in clause ( i ) in the name of such consumer, a user of such consumer report shall contact the consumer using that telephone number or take reasonable steps to verify the consumers identity and confirm that the application for a new credit plan is not the result of identity theft.\n\n( 2 ) Requirements for Extended Alerts ( A ) Notification. Each extended alert under this section shall include information that provides all prospective users of a consumer report relating to a consumer with ( i ) notification that the consumer does not authorize the establishment of any new credit plan or extension of credit described in clause ( i ), other than under an open-end credit plan ( as defined in section 103 ( i ) ), in the name of the consumer, or issuance of an additional card on an existing credit account requested by a consumer, or any increase in credit limit on an existing credit account 605A - 15 U.S.C. 1681c-1 31 requested by a consumer, except in accordance with subparagraph ( B ) ; and ( ii ) a telephone number or other reasonable contact method designated by the consumer.\n\n( B ) Limitation on users. No prospective user of a consumer report or of a credit score generated using the information in the file of a consumer that includes an extended fraud alert in accordance with this section may establish a new credit plan or extension of credit, other than under an open-end credit plan ( as defined in section 103 ( i ) ), in the name of the consumer, or issue an additional card on an existing credit account requested by a consumer, or any increase in credit limit on an existing credit account requested by a consumer, unless the user contacts the consumer in person or using the contact method described in subparagraph ( A ) ( ii ) to confirm that the application for a new credit plan or increase in credit limit, or request for an additional card is not the result of identity theft.\n\n( i ) National security freeze.\n\n( 1 ) Definitions. For purposes of this subsection : ( A ) The term consumer reporting agency means a consumer reporting agency described in section 603 ( p ).\n\n( B ) The term proper identification has the meaning of such term as used under section 610.\n\n( C ) The term security freeze means a restriction that prohibits a consumer reporting agency from disclosing the contents of a consumer report that is subject to such security freeze to any person requesting the consumer report.\n\n( 2 ) Placement of security freeze.\n\n( A ) In general. Upon receiving a direct request from a consumer that a consumer reporting agency place a security freeze, and upon receiving proper identification from the consumer, the consumer reporting agency shall, free of charge, place the security freeze not later than ( i ) in the case of a request that is by toll-free telephone or secure electronic means, 1 business day after receiving the request directly from the consumer; or ( ii ) in the case of a request that is by mail, 3 business days after receiving the request directly from the consumer.\n\n32 605A - 15 U.S.C. 1681c-1 ( B ) Confirmation and additional information.\n\nNot later than 5 business days after placing a security freeze under subparagraph ( A ), a consumer reporting agency shall ( i ) send confirmation of the placement to the consumer ; and ( ii ) inform the consumer of ( I ) the process by which the consumer may remove the security freeze, including a mechanism to authenticate the consumer ; and ( II ) the consumers right described in section 615 ( d ) ( 1 ) ( D ).\n\n( C ) Notice to third parties. A consumer reporting agency may advise a third party that a security freeze has been placed with respect to a consumer under subparagraph ( A ).\n\n( 3 ) Removal of security freeze.\n\n( A ) In general. A consumer reporting agency shall remove a security freeze placed on the consumer report of a consumer only in the following cases : ( i ) Upon the direct request of the consumer.\n\n( ii ) The security freeze was placed due to a material misrepresentation of fact by the consumer.\n\n( B ) Notice if removal not by request. If a consumer reporting agency removes a security freeze under subparagraph ( A ) ( ii ), the consumer reporting agency shall notify the consumer in writing prior to removing the security freeze.\n\n( C ) Removal of security freeze by consumer request. Except as provided in subparagraph ( A ) ( ii ), a security freeze shall remain in place until the consumer directly requests that the security freeze be removed. Upon receiving a direct request from a consumer that a consumer reporting agency remove a security freeze, and upon receiving proper identification from the consumer, the consumer reporting agency shall, free of charge, remove the security freeze not later than ( i ) in the case of a request that is by toll-free telephone or secure electronic means, 1 hour after receiving the request for removal ; or ( ii ) in the case of a request that is by mail, 3 business days after receiving the request for removal.\n\n605A - 15 U.S.C. 1681c-1 33 ( D ) Third-party requests. If a third party requests access to a consumer report of a consumer with respect to which a security freeze is in effect, where such request is in connection with an application for credit, and the consumer does not allow such consumer report to be accessed, the third party may treat the application as incomplete.\n\n( E ) Temporary removal of security freeze. Upon receiving a direct request from a consumer under subparagraph ( A ) ( i ), if the consumer requests a temporary removal of a security freeze, the consumer reporting agency shall, in accordance with subparagraph ( C ), remove the security freeze for the period of time specified by the consumer.\n\n( 4 ) Exceptions. A security freeze shall not apply to the making of a consumer report for use of the following : ( A ) A person or entity, or a subsidiary, affiliate, or agent of that person or entity, or an assignee of a financial obligation owed by the consumer to that person or entity, or a prospective assignee of a financial obligation owed by the consumer to that person or entity in conjunction with the proposed purchase of the financial obligation, with which the consumer has or had prior to assignment an account or contract including a demand deposit account, or to whom the consumer issued a negotiable instrument, for the purposes of reviewing the account or collecting the financial obligation owed for the account, contract, or negotiable instrument. For purposes of this subparagraph, reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.\n\n( B ) Any Federal, State, or local agency, law enforcement agency, trial court, or private collection agency acting pursuant to a court order, warrant, or subpoena.\n\n( C ) A child support agency acting pursuant to part D of title IV of the Social Security Act ( 42 U.S.C. 651 et seq. ).\n\n( D ) A Federal agency or a State or its agents or assigns acting to investigate fraud or acting to investigate or collect delinquent taxes or unpaid court orders or to fulfill any of its other statutory responsibilities, provided such responsibilities are consistent with a permissible purpose under section 604.\n\n34 605A - 15 U.S.C. 1681c-1 ( E ) By a person using credit information for the purposes described under section 604 ( c ).\n\n( F ) Any person or entity administering a credit file monitoring subscription or similar service to which the consumer has subscribed.\n\n( G ) Any person or entity for the purpose of providing a consumer with a copy of the consumers consumer report or credit score, upon the request of the consumer.\n\n( H ) Any person using the information in connection with the underwriting of insurance.\n\n( I ) Any person using the information for employment, tenant, or background screening purposes.\n\n( J ) Any person using the information for assessing, verifying, or authenticating a consumers identity for purposes other than the granting of credit, or for investigating or preventing actual or potential fraud.\n\n( 5 ) Notice of rights. At any time a consumer is required to receive a summary of rights required under section 609, the following notice shall be included : Consumers Have The Right To Obtain A Security Freeze You have a right to place a security freeze on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization.\n\nThe security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit.\n\nAs an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumers credit file.\n\nUpon seeing a fraud alert display on a consumers credit file, a business is required to take steps to verify the consumers identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years.\n\n605A - 15 U.S.C. 1681c-1 35 A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.\n\n( 6 ) Webpage.\n\n( A ) Consumer reporting agencies. A consumer reporting agency shall establish a webpage that ( i ) allows a consumer to request a security freeze ; ( ii ) allows a consumer to request an initial fraud alert ; ( iii ) allows a consumer to request an extended fraud alert ; ( iv ) allows a consumer to request an active duty fraud alert ; ( v ) allows a consumer to opt-out of the use of information in a consumer report to send the consumer a solicitation of credit or insurance, in accordance with section 615 ( d ) ; and ( vi ) shall not be the only mechanism by which a consumer may request a security freeze.\n\n( B ) FTC. The Federal Trade Commission shall establish a single webpage that includes a link to each webpage established under subparagraph ( A ) within the Federal Trade Commissions website www.IdentityTheft.gov, or a successor website.\n\n( j ) National protection for files and credit records of protected consumers.\n\n( 1 ) Definitions. As used in this subsection : ( A ) The term consumer reporting agency means a consumer reporting agency described in section 603 ( p ).\n\n( B ) The term protected consumer means an individual who is ( i ) under the age of 16 years at the time a request for the placement of a security freeze is made ; or ( ii ) an incapacitated person or a protected person for whom a guardian or conservator has been appointed.\n\n( C ) The term protected consumers representative means a person who provides to a consumer reporting agency sufficient proof of authority to act on behalf of a protected consumer.\n\n36 605A - 15 U.S.C. 1681c-1 ( D ) The term record means a compilation of information that ( i ) identifies a protected consumer ; ( ii ) is created by a consumer reporting agency solely for the purpose of complying with this subsection; and ( iii ) may not be created or used to consider the protected consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.\n\n( E ) The term security freeze means a restriction that prohibits a consumer reporting agency from disclosing the contents of a consumer report that is the subject of such security freeze or, in the case of a protected consumer for whom the consumer reporting agency does not have a file, a record that is subject to such security freeze to any person requesting the consumer report for the purpose of opening a new account involving the extension of credit.\n\n( F ) The term sufficient proof of authority means documentation that shows a protected consumers representative has authority to act on behalf of a protected consumer and includes ( i ) an order issued by a court of law ; ( ii ) a lawfully executed and valid power of attorney ; ( iii ) a document issued by a Federal, State, or local government agency in the United States showing proof of parentage, including a birth certificate ; or ( iv ) with respect to a protected consumer who has been placed in a foster care setting, a written communication from a county welfare department or its agent or designee, or a county probation department or its agent or designee, certifying that the protected consumer is in a foster care setting under its jurisdiction.\n\n( G ) The term sufficient proof of identification means information or documentation that identifies a protected consumer and a protected consumers representative and includes ( i ) a social security number or a copy of a social security card issued by the Social Security Administration ; S. 215536 ( ii ) a certified or official copy of a birth certificate issued by the entity authorized to issue the birth certificate ; or 605A - 15 U.S.C. 1681c-1 37 ( iii ) a copy of a drivers license, an identification card issued by the motor vehicle administration, or any other government issued identification.\n\n( 2 ) Placement of security freeze for a protected consumer.\n\n( A ) In general. Upon receiving a direct request from a protected consumers representative that a consumer reporting agency place a security freeze, and upon receiving sufficient proof of identification and sufficient proof of authority, the consumer reporting agency shall, free of charge, place the security freeze not later than ( i ) in the case of a request that is by toll-free telephone or secure electronic means, 1 business day after receiving the request directly from the protected consumers representative; or ( ii ) in the case of a request that is by mail, 3 business days after receiving the request directly from the protected consumers representative.\n\n( B ) Confirmation and additional information.\n\nNot later than 5 business days after placing a security freeze under subparagraph ( A ), a consumer reporting agency shall ( i ) send confirmation of the placement to the protected consumers representative ; and ( ii ) inform the protected consumers representative of the process by which the protected consumer may remove the security freeze, including a mechanism to authenticate the protected consumers representative.\n\n( C ) Creation of file. If a consumer reporting agency does not have a file pertaining to a protected consumer when the consumer reporting agency receives a direct request under subparagraph ( A ), the consumer reporting agency shall create a record for the protected consumer.\n\n( 3 ) Prohibition on release of record or file of protected consumer. After a security freeze has been placed under paragraph ( 2 ) ( A ), and unless the security freeze is removed in accordance with this subsection, a consumer reporting agency may not release the protected consumers consumer report, any information derived from the protected consumers consumer report, or any record created for the protected consumer.\n\n38 605A - 15 U.S.C. 1681c-1 ( 4 ) Removal of a protected consumer security freeze.\n\n( A ) In general. A consumer reporting agency shall remove a security freeze placed on the consumer report of a protected consumer only in the following cases : ( i ) Upon the direct request of the protected consumers representative.\n\n( ii ) Upon the direct request of the protected consumer, if the protected consumer is not under the age of 16 years at the time of the request.\n\n( iii ) The security freeze was placed due to a material misrepresentation of fact by the protected consumers representative.\n\n( B ) Notice if removal not by request. If a consumer reporting agency removes a security freeze under subparagraph ( A ) ( iii ), the consumer reporting agency shall notify the protected consumers representative in writing prior to removing the security freeze.\n\n( C ) Removal of freeze by request. Except as provided in subparagraph ( A ) ( iii ), a security freeze shall remain in place until a protected consumers representative or protected consumer described in subparagraph ( A ) ( ii ) directly requests that the security freeze be removed. Upon receiving a direct request from the protected consumers representative or protected consumer described in subparagraph ( A ) ( ii ) that a consumer reporting agency remove a security freeze, and upon receiving sufficient proof of identification and sufficient proof of authority, the consumer reporting agency shall, free of charge, remove the security freeze not later than ( i ) in the case of a request that is by toll-free telephone or secure electronic means, 1 hour after receiving the request for removal ; or ( ii ) in the case of a request that is by mail, 3 business days after receiving the request for removal.\n\n( D ) Temporary removal of security freeze. Upon receiving a direct request from a protected consumer or a protected consumers representative under subparagraph ( A ) ( i ), if the protected consumer or protected consumers representative requests a temporary removal of a security freeze, the consumer reporting agency shall, in accordance with subparagraph ( I have asked XXXX to investigate and I have disputed all account 's that I wasn't familar with or have no knowledge of because i was a victim of id theft and my information was being sold on the XXXX web. I have pasted all the violations that have been violated by the said reporting agency and i want all the account 's Investigated fully and removed once it is found that these debt 's are not min","date_sent_to_company":"2022-04-09T18:36:46.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"392XX","tags":null,"has_narrative":true,"complaint_id":"5428114","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-04-09T18:36:39.000Z","state":"MS","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["( F ) The term sufficient proof of authority means <em>documentation</em> that shows a protected consumers representative has authority to act on behalf of a protected consumer and includes ( i ) an order issued by a court of law ; ( ii ) a lawfully executed and <em>valid</em> power of attorney ; ( iii ) a document issued by a Federal, State, or local government agency in the United States showing proof of parentage, <em>including</em> a birth certificate ; or ( iv ) with respect to a protected consumer who has been placed"],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[5.921157,"5428114"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":6,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":6}]}},"product":{"doc_count":6,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":3}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1}]}},{"key":"Debt collection","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":1}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":1}]}}]}},"issue":{"doc_count":6,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Improper use of your report","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":4}]}},{"key":"Attempts to collect debt not owed","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt was result of identity theft","doc_count":1}]}},{"key":"Problem when making payments","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":6,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":6}]}},"company_response":{"doc_count":6,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":3},{"key":"Closed with non-monetary relief","doc_count":3}]}},"submitted_via":{"doc_count":6,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":6}]}},"company":{"doc_count":6,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":2},{"key":"UPGRADE, INC.","doc_count":2},{"key":"EQUIFAX, INC.","doc_count":1},{"key":"Experian Information Solutions Inc.","doc_count":1}]}},"state":{"doc_count":6,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"MS","doc_count":3},{"key":"NC","doc_count":1},{"key":"NY","doc_count":1},{"key":"TX","doc_count":1}]}},"company_public_response":{"doc_count":6,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":3}]}},"tags":{"doc_count":6,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":1}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}