{"took":508,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":36,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11870903","_score":20.600914,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX I reached out to the Dave XXXX XXXX to let then know my email had been changed on there app without my consent. Again in XXXX I let them know my account information was being changed without my consent. I was told to change my password, which I did. They also told me that they were unable to log out any devices that may still be logged into my account. \nOn XX/XX/XXXX I had an unauthorized transaction occur in the amount of XXXX Over the next 2 days my contact information was changed over XXXX times, they should have records of this. I would change my information and someone unknown would change it back to theirs immediately, until I was told the information had been changed too many times and it was left on the unknown persons address, phone and email. It was a banking holiday and out of fear of further theft and frustration I closed the account. \nI reported the unauthorized transaction to the institution the same day it occurred. I also put a fraud alert on my credit report and froze my report with all 3 agencies. I reported the transaction to the institution that the transaction was sent to.\n\nDAVE first said they were not opening a dispute because I closed the account. After explaining why they said they opened a dispute. When I informed them I never recieveed the dispute form they told me that I had told them I didn't want a dispute. Leading me to believe that, evem though I told them my account had been hacked and gave them my contact information, they sent the dispute form to the email the hackers put into my account. \nNow they refuse to reopen a dispute, even though I never recoeved any information about the dispute. They are stating I need to resubmit new evidence, such as a police report. There data should show my complaints from XXXX and XXXX and show that my information was changed numerous times on the date the unauthorized transfer occurred. I gave them ample warning that my account had been taken over by an unknown person and they did not act to prevent the people from being locked out of my account leading to the unauthorized transaction. I have never done buisness with the account the money was sent to and I have sent DAVE copies of all the things I filed afterwards. \nWe have sent over XXXX emails and it seems they are closing to go with the unknown persons request to close the dispute rather than my account, the true account holder.","date_sent_to_company":"2025-01-31T19:21:13.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"880XX","tags":null,"has_narrative":true,"complaint_id":"11870903","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Dave Operating, LLC","date_received":"2025-01-31T18:52:39.000Z","state":"NM","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I gave them ample <em>warning</em> that my <em>account</em> had <em>been</em> <em>taken</em> <em>over</em> by an <em>unknown</em> <em>person</em> and they did not act to prevent the people from being locked out of my <em>account</em> leading to the unauthorized transaction. I have never done buisness with the <em>account</em> the money was sent to and I have sent DAVE copies of all the things I filed afterwards."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[20.600914,"11870903"]},{"_index":"complaint-public-v1","_id":"2188952","_score":15.23067,"_source":{"product":"Bank account or service","complaint_what_happened":"On XXXX XXXX, 2016, XXXX XXXX XXXX XXXX wrote my wife and I to say they had added our daughter to our accounts, as requested. We had no accounts with them. I called them ; a fraudulent checking and savings accounts in my name had been opened XXXX XXXX. We were never notified. My wife and I verified to them this was fraudulent activity, and our daughter did the same. We told USAA we had no accounts with them, that these were opened using stolen identities, and that the accounts had to be closed and deleted. We were told that the accounts were flagged, marked fraudulent and cancelled. I called back on XXXX XXXX to verify this. On XXXX XXXX I filed an identity theft report with the XXXX Police Department : report number XXXX. \nBetween XXXX XXXX and XXXX XXXX my wife, daughter and I received mail from USAA. ( The fraudulent account in our daughter 's name was opened showing our address as hers, so all her mail from USAA arrived at our house. ) Each time this happened I called the USAA identity theft division. Each time I was told the accounts were flagged and that no activity could take place on them and the accounts would eventually be deleted. \nOn XXXX XXXX a letter arrived for our daughter from USAA Federal Savings Bank, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. This letter stated that a consumer loan taken out in her name had an overdue loan payment of {$840.00}. This loan, it turned out, was made on XXXX XXXX, 2016. My daughter and I called the identity theft folks, and they put us through to the loan department. That person put the information we provided her into another report and said someone would call me back in about three days to confirm that the matter was cleared up and the accounts finally closed. Not trusting this to be the case, since a fraudulent loan had been taken out in our daughter 's name more than three weeks after we were told by USAA that the accounts were secured, I called back on XXXX XXXX and spoke with another person in their consumer fraud department. She said that nobody at USAA had ever filed a report with their financial crimes unit, as they should have done XXXX XXXX. She then proceeded to take down all the information again and a report to that unit. She said I would receive a callback from them after 48 hours, and that they should be able to confirm to us in writing that these accounts were fraudulent, that they had been permanently closed, and that the notations sent to credit agencies about the \" loan '' to our daughter would be retracted. \nI asked her how it was possible for someone to take out a loan against an account that had previously been reported as being fraudulent and which we had been assured could no longer be used. She said that \" flagging '' an account only meant that it was marked internally as being a security risk, so when someone wanted to use it for something USAA would text them a security code to use to open the account for activity. They texted the code to the phone number given when the fraudulent account was opened. Someone opened a fraudulent account using a contact number that linked to a phone in their possession. They never confirmed the opening of the account with us at our legitimate address, and there was no security at all for the account when the unknown person later took out the loan. Regardless of what we were told over a period of nearly three months, they never secured the fraudulent accounts or protected us from fraudulent activity. They allowed a fraudulent loan to be taken out after multiple warnings, and assurances to us that it could never happen.","date_sent_to_company":"2016-11-01T17:50:19.000Z","issue":"Account opening, closing, or management","sub_product":"Other bank product/service","zip_code":"27604","tags":null,"has_narrative":true,"complaint_id":"2188952","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2016-11-01T17:50:18.000Z","state":"NC","company_public_response":"Company believes complaint is the result of an isolated error","sub_issue":null},"highlight":{"complaint_what_happened":["They never confirmed the opening of the <em>account</em> with us at our legitimate address, and there was no security at all for the <em>account</em> when the <em>unknown</em> <em>person</em> later took out the loan. Regardless of what we were told <em>over</em> a period of nearly three months, they never secured the fraudulent <em>accounts</em> or protected us from fraudulent activity. They allowed a fraudulent loan to be <em>taken</em> out after multiple <em>warnings</em>, and assurances to us that it could never happen."],"product":["Bank <em>account</em> or service"],"issue":["<em>Account</em> opening, closing, or management"]},"sort":[15.23067,"2188952"]},{"_index":"complaint-public-v1","_id":"6700800","_score":11.976778,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2023, an unknown person logged into my Discover checking account and made two unauthorized XXXX transactions, one for {$480.00} and one for {$100.00}. I immediately called the Fraud Department to have my account frozen and filed a claim to dispute the transactions. Ultimately, I closed that account and reopened another with a different account number since someone clearly had my account and routine number. \n\nOn XX/XX/2023, I received two notifications by mail stating that the XXXX transactions were valid, which they were not. I thought it had to have been a mistake, so I called the Fraud Department to speak with a specialist whom told me the transactions were made with a trusted device, which they were not. She informed me that I would need to submit documentation to appeal the decision. I was thoroughly confused during our conversation because it was clear that there was unusual activity on my account. \n\nTwenty or thirty minutes prior to the XXXX transactions ( made on XX/XX/XXXX ), as I had received a text message asking if a transaction attempted at XXXX was valid. It was not until after the call on XX/XX/XXXX with the fraud specialist that I realized the text about the XXXX transaction and subsequent call I had received in response were not legitimate. \n\nOnce I put all of the pieces together, I collected all of my documentation and submitted them to the Secure Document Upload, but I have yet to hear back, only causing more frustration to an already agonizing experience. This fraudulent activity, causing {$580.00} to be stolen from me would not have taken place if it werent for Discovers inadequate account security. \n\nLess than a week prior to this activity, I discovered over XXXX transactions from a XXXX in Texas. Each transaction was for the exact same amount, {$180.00}. These transactions took place on XX/XX/XXXX and XXXX, completely wiping out my entire balance. \n\nThis very unusual activity did not raise a red flag to the fraud department. I did not receive a single notification alerting me about unusual activity. I believe XXXX transactions made in another state for the exact same amount at such a large total, especially for a fast food restaurant, would certainly constitute as unusual. \n\nDiscovers website states that a comprehensive set of features and tools, including fraud specialists proactively monitoring accounts for unusual activity, are used to help protect checking accounts from fraud. These statements have misrepresented the companys effort to protect my finances because this obvious fraudulent activity went unnoticed. \n\nThese severely inadequate preventative measures directly caused my account to be hacked just five days later. Had I received proper notification about this fraudulent activity, I would have been familiar with Discover Banks process once when an unauthorized transaction was attempted. Instead, I was on extremely high alert to ensure my finances would not be compromised again. Ironically, that exact concern is what caused even more fraudulent activity. \n\nWhen recently reviewing Discovers website warning about scams, I came across some questions advising customer to ask themselves : - Did I trust the caller? Yes, my account was just compromised five days earlier. I was still distressed about the situation. The person I spoke to was very professional using excellent communication, grammar, etc. No red flags. \n\n- Why am I receiving this request? Because my information had obviously been exposed just a few days prior, and I thought Discover was actually trying to protect my account, unlike they had previously done. \n\n- Was I expecting this request? Absolutely! Like I mentioned earlier, I was on high alert due to the experience earlier that week. \n\n- I never disclosed my account number, my user ID or password or my social security number. These questions would have certainly raised a red flag. \n\n- This person had my online banking username and password. They were in my account when they called me, acted like a fraud specialist and asked me for the code that was texted me to, just like a fraud specialist had done earlier that week when I called Discover after noticing the 30+ fraudulent transactions. \n\nNot only did Discovers weak password requirements resulted in easy access to my account, their lack of providing security to my account less than one week prior, caused me to be clueless in their response to fraudulent activity and caused me to be on high alert so it didn't happen again. \n\nMy password was only six characters. If more secure requirements have been implemented, I certainly never received an alert requiring more secure credentials. This feature should be a top priority for any financial institution. If these features were monitored more closely, I would have never lost {$580.00}.","date_sent_to_company":"2023-03-15T17:19:24.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92111","tags":null,"has_narrative":true,"complaint_id":"6700800","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2023-03-15T16:53:15.000Z","state":"CA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["On XX/XX/2023, an <em>unknown</em> <em>person</em> logged into my Discover checking <em>account</em> and made two unauthorized XXXX transactions, one for {$480.00} and one for {$100.00}. I immediately called the Fraud Department to have my <em>account</em> frozen and filed a claim to dispute the transactions. Ultimately, I closed that <em>account</em> and reopened another with a different <em>account</em> number since someone clearly had my <em>account</em> and routine number."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[11.976778,"6700800"]},{"_index":"complaint-public-v1","_id":"21639918","_score":11.006242,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XX/XX/XXXX : transaction made to XXXX XXXX XXXX XXXX in the amount of {$400.00}. \nXXXX XX/XX/XXXX : transaction made to XXXX XXXX XXXX XXXX in the amount of {$600.00}. \n\nWhat happened here was an annoying kind of scam : Business offers a specific service, is paid for that service, and fails to deliver such a service. Red flags only hit right after the second transfer, after which I contacted XXXX demanding a full on refund. After \" promising '' to get back to me the next day, XXXX did not return any calls and ghosted the line. Someone else ( unknown name/source ) from within the same department area knew what was going on, and gave me the warning and instruction to file chargeback with my back, assuring me this was a scam. Phone records can later be pulled to provide this evidence. \n\nUnfortunately, my bank ( the one attached to Wise Bank ( the XXXX party interest ) ), took out this charge back on Wise instead of the scammer. Wise wants me to pay them the total {$1000.00} to reconcile. Fair, so I contact Wise to file the charge back correctly, the way it should have been done the first time. I gave Wise EVERYTHING they would need to complete the charge back. I filed a scam report through their application service, made several complaints and calls, and provided the following on the recipiant ( scammer ) : Full name ( as listed in the Wise Bank statement ) : XXXX XXXX XXXX XXXX ; Their account and routing number, bank address ( XXXX listed ), XXXX number, and the contact number details. Despite giving them an absurd amount of evidence that this individual was using Wise to scam others, and providing evidence that XXXX had owed me this money, not the other way around, Wise Bank continues to side against me, the victim, and demands I pay them the money that I recovered. \n\nIt is too unlikely that XXXX will refund the money himself ( because duh, why would he? ). This puts me in a terrible position as a person, and now ex-customer of Wise bank, because not only was I scammed out of this money, Wise basically wants to screw over their own customer and side with the scammer, demanding the same amount be returned to a now dead bank account. I, have thus far personally refused. Why would I have to pay money to something that I should not technically owe? I gave Wise every detail that they needed to credit the money in my account by debiting away the money in XXXXXXXX XXXX  account ( whom is an active Wise user to date ), so there is no technical reason why they can not perform the operation ; they simply refuse to. \n\nTherefore, this CFPB complaint is one being made against XXXX parties, one unknown party, XXXX, whose \" business contact '' details are still unknown ( Wise either can not or will not provide them ), and Wise Bank itself, for bullying their own users and making threats of lawsuits and garnishments, siding with scammers. At the very least, my evidence is enough to prove that Wise Bank, as an online app service, will not take the side of customers who are wrongfully scammed or have money taken away from them. Wise refuses to help me when they have every necessary means and tools to do so ; any other bank I have ever used would not have this kind of problem. \n\nCurrently, I am unaware how this might affect my credit, but it should not leave a negative impact on such a score, because I still attest that I do not owe either party money. I did my best attempt of research to learn anything about XXXXXXXX XXXX business information, but it was a blank ghost chase, which in itself is more red flags to the fact that he is a likely scammer. Contacts for the services he offered were provided only after payment, contracts which by the way, I never signed in any format. Additionally, I had previously instructed XXXX to hold off on fulfilling any action with any further steps until such could be provided, and by the time they were, this is when I got that alert call and demanded a refund, which was denied, ( under his pretext of already starting the service ), which I told him not to do, and which was never legally signed off on. The point of this statement is simply, if XXXX does indeed work for a legitimately registered company, whether in the XXXX or overseas, the company in question should become the primary target of this complaint and scam investigation. I wanted to make it so, but those details are unfortunately scarce, and Wise doesn't seem to know it either. \n\nIf I had more information into such a process, I should be able to divert litigation directly against that company. Instead, I can only draw my hand to Wise, as a service, a service which does not care if money is stolen from its own customers and will more often side with any scammer or any party that make fraudulent transactions. If any public eyes can view this report, please, DO NOT use Wise bank. If you have an account with Wise, get your money out of there and entrust it to another bank or other savings apparatus. Wise has lost any credibility and respect from me, and I will publicly black list them going forward.","date_sent_to_company":"2026-04-27T20:23:17.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30141","tags":null,"has_narrative":true,"complaint_id":"21639918","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TransferWise Ltd","date_received":"2026-04-27T20:19:34.000Z","state":"GA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["This puts me in a terrible position as a <em>person</em>, and now ex-customer of Wise bank, because not only was I scammed out of this money, Wise basically wants to screw <em>over</em> their own customer and side with the scammer, demanding the same amount be returned to a now dead bank <em>account</em>. I, have thus far personally refused. Why would I have to pay money to something that I should not technically owe?"],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[11.006242,"21639918"]},{"_index":"complaint-public-v1","_id":"14732882","_score":10.972,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to formally complain about my locked account, account number ending in XXXX, with Ally Bank, as I have no viable way of gaining access to my account. The lack of compassion and poor handling of this situation, in my opinion, is either intentional or a result of complacency, which has allowed a lack of oversight to occur. I am saying this because when I brought up the CFPB to XXXX, an Account XXXX at Ally, he felt XXXX. I also believe this because a representative on an earlier call tried to convince me to XXXX  and commit fraud to regain access to my account. Also, when I was connected to a XXXX account XXXX, XXXX?? ( I'm unsure of the correct spelling of the name due to a sudden phone transfer ), They transferred me without warning to the fraud department. \nThe fraud department person never introduced himself and stated that I had XXXX  XXXX by bringing up the CFPB. When I asked him if any of our conversations would help with my account, he said no, it would not help, and insinuated that I would not be able to regain control of my account. Now, all this is condensed into XXXX phone conversation, where I spoke to no less than XXXX different people, and it lasted approximately XXXX and a half hours. I had several days of such long calls. And never once did anyone try to assist me. And now I can not even call them ; to contact Ally Bank, one would need an account with them to use the cheaper international number. My account has been locked, so in the computer 's eyes, I have no account with them. So far, I have spent around {$200.00} on this issue due to XXXX  charges. \n\nSome background : I am a XXXX XXXX XXXX with over XXXX years of service and another XXXX-plus years as a XXXX XXXX. And held an Ally bank for well over XXXX years, I had the bank serve as an emergency slush fund. I transferred amounts between my XXXX  XXXX XXXX XXXX XXXX account ( with the same name ) and Ally Bank, so everything was fine for over XXXX years. Then, my phone did a swan dive into the ocean. The problem stems from Ally Bank not having any alternative way to verify your identity except through a phone number and address, and an AI test that is anything but XXXX. \n\n* Side Note XXXX - XXXX AP addresses are XXXX  mail addresses for the XXXX XXXX and XXXX XXXX, designated as \" XXXX XXXX XXXX '' ( XXXX ). \" XXXX  '' stands for XXXX XXXX XXXX, XXXX of the geographic areas within the XXXX postal system, basically a mail forwarding service -end side note * Side Note XXXX - The XXXX  is the provider of long-distance communications service for the XXXX XXXX XXXX XXXX XXXX XXXX. Every installation has a special XXXX  number, and the numbers vary by worldwide location end side note * Side Note XXXX - Approximately XXXX years ago, I updated my account phone number to XXXX from XXXX XXXX and my mailing address to XXXX XXXX XXXX XXXX Apt XXXX, XXXX, Texas XXXX from XXXX XXXX XXXX \nWhen you call, if the computer does not recognize your phone number, it will ask for the phone number registered to your account, along with another piece of information that I will not disclose. What matters is that when I spoke to Ally Bank, the system the service reps are using and the computer hooked to the phone did not match, and the service reps did not see my phone change ; they still had my old XXXX number, but the computer did not. Every time I called, I entered XXXX as my phone number and was able to get through. - End Side Note Problem : My address has been an XXXX  address, and my phone number has been a XXXX  phone number for almost XXXX  years. Neither item is taken into consideration by Ally 's AI, which incorrectly identifies my most recent XXXX XXXX address as being in XXXX XXXX ( which it is, as that is the location for this particular XXXX XXXX XXXX ) and that I live there which I do not, so when the AI asks me anything about XXXX XXXX, such as how many years I have lived there, I can not answer because I have never actually lived there. Similarly, my phone number is XXXX XXXX. If you looked it up VIA XXXX, it would read XXXX XXXX, XXXX. However, if you look it up on the non-XXXX, it shows up as New York, so when asked about New York, I can not and can only answer that I do not live or have lived there. And so, when I get any question wrong, the employee says Sorry, I can not talk to you further. I will be hanging up. \nFor the past week, I have been chasing my tail like a dog to get anyone to listen to me, from Ally Bank or someone who can help. Not XXXX person I spoke to was willing to help. XXXX employee insinuated that I should lie and commit fraud to pass the test. I have talked to Ally 's risk review team, XXXX team, and customer care team ( reference number XXXX ). Every time I call someone on the phone, they immediately administer the same AI test I fail, and then they hang up, telling me to call back in XXXX hours and try again. Now I can not even call them because they have locked my account. I can not use the XXXX  number because my account is closed, and the computer does not recognize my Phone or SSN ; it believes I have no account and hangs up. I record most phone calls for my protection, so the recording serves as a backup for everything XXXX state here. The Fraud Employee accused me of XXXX  an employee with harm because I said I had no choice but to contact the CFPB. How is it a XXXX  if I state my right to make a formal complaint to a government office? Is the CFPB a XXXX? No, it is a tool that consumers can use to get assistance with a banking issue. \n\nDetails : For brevity and easy checking on Ally bank 's part, I will list the details as only for my last phone conversation with them on XXXX XX/XX/year>, XXXX ( XXXX Standard Time, subtract XXXX Hours for EST ) ( time is roughly due to recording error ) Around XXXX, I contacted an account XXXX. I couldn't understand his name, but I explained the situation and asked him to talk to a supervisor. And he said, 'No problem. ' He finally got me in touch with XXXX, who told me he heard me, but can not help. At this point, I was receiving the same treatment as I had on the other occasions of calling. I brought up my growing desire to take this matter to the CFPB. At that point, XXXX took an Abrupt tone with me, and later on, I found out he accused me of XXXX him because I stated CFPB. XXXX stated he was going to get me in touch with a XXXX  account XXXX and to hold on. \nI was connected to XXXX ( whose name I was unsure of due to the poor quality of the connection on Ally 's end ), who, after a few minutes, abruptly and without any warning, transferred me to the fraud department. \nThe person I spoke with was unknown, as they did not introduce themselves. At this point, I was getting frustrated and did not think to ask. The employee insinuated that I could call back daily until I got it right, even after I explained the XXXX and XXXX  situation to them. This person informed me that I had XXXX  XXXX by bringing up the CFPB. Later in the conversation, when asked if this was going anywhere regarding the restoration of my account access, he said no. He insinuated that I would never get it back. This person stated that they would try to transfer me to a supervisor, but said they would not take the call because I failed the test. So, if you fail the test, you are nobody to them, and no one from Ally XXXX cares. What a way to treat a retired XXXX XXXX. They treated me as if I were a piece of dirt on their shoe, that they wanted to clean off.","date_sent_to_company":"2025-07-18T09:23:17.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"77043","tags":"Servicemember","has_narrative":true,"complaint_id":"14732882","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2025-07-18T08:54:34.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["XXXX stated he was going to get me in touch with a XXXX  <em>account</em> XXXX and to hold on. \nI was connected to XXXX ( whose name I was unsure of due to the poor quality of the connection on Ally 's end ), who, after a few minutes, abruptly and without any <em>warning</em>, transferred me to the fraud department. \nThe <em>person</em> I spoke with was <em>unknown</em>, as they did not introduce themselves. At this point, I was getting frustrated and did not think to ask."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["Problem accessing <em>account</em>"]},"sort":[10.972,"14732882"]},{"_index":"complaint-public-v1","_id":"7739631","_score":8.640004,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XXXX XXXX XXXX I called Amazon for assistance in placing an order, using the same phone number I had relied on for years. A recording informed me the number was no longer in use but didnt provide me with a new one. I XXXX Amazon and clicked on a number that came up on a website, and a supposed Amazon representative picked up the call. He told me that an air purifier had been ordered on my account by an unknown person. Eventually I was transferred to XXXX XXXX who told me a huge spy network had managed to remove XXXX from my Chase savings account. He gave me specific details as to exactly what had taken place and assured me that he and the investigative team at Amazon could get my money back through a method he referred to as a duplicate charge over. I would need to withdraw XXXX  in cash right away, after which he would tell me the next step. I was frantic and felt helpless so never questioned the plausibility of what he told me.\n\n\tAt the XXXX XXXX branch of Chase Bank, I told the teller that I needed to withdraw  XXXX  from my savings account. She said that normally the bank asked for a phone call prior to a request for such a large amount. I asked to speak to someone else and a woman came from the back and asked me several questions. I explained that I planned to use the money to help my granddaughter who had lost her mother (my daughter) a month and a half before and then XXXX XXXX two weeks later. Both these things had happened, however, I obviously did not intend to use the money as I said. I confirmed that I wouldnt be giving the XXXX to my granddaughter in a lump sum, but would be doling it out, which should have raised the issue as to why I needed to withdraw the whole amount at that time. When I told the representative where my granddaughter lived, she said that she felt better to learn that it was within the country. During the conversation I was presented with the issue that scams were often targeted at the XXXX and I remember that a reference was made in the bank lobby after I had received the cash. I acknowledged that I had heard that this was happening, however, l completely believed that, although I had been the victim of a scam, what was taking place now was in order to fix it. Had the bank described the earmarks of this particular type of scam, I would have been able to recognize that it applied to me. Instead, they allowed an XXXX XXXX XXXX woman to leave the bank with XXXX which had been put in a box that had held penny rolls, and walk across the parking lot to her vehicle, without a bank employee involved to see that everything appeared to be under control. \n \tOn XXXX XXXX a courier came to my house in the morning and picked up the money. Soon after, the perpetrator of this cruel scheme called to inform me that the bad guys had now gotten ahold of XXXX more of my savings, so we would have to do another duplicate charge over, this time by a wire transfer. The agent who assisted me at the XXXX XXXX, apparently did not have a problem with the fact that I had just made a large withdrawal the day before or that the money was being sent to a bank in XXXX XXXX When she asked if I knew the recipient (who had a distinct XXXX  name), I explained that he was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I dont think either my reason, or manner were convincing, however, she completed the transaction. Although she did mention that cases of fraud were often directed at the XXXX, she didnt point out any similarities between any of those and the transaction that I was requesting. I have become aware of actions taken against Chase by victims of scams with the same warning signals as my own. If I know of these other incidents, surely Chase does, too, but turns a blind eye, even though it is in a position to help protect its customers. In fact, a second bank representative actually sent my wire transfer, meaning at least two people at Chase ignored the red flags.\n\n\tOn XXXX XXXX, Chase confirmed that the wire had been sent that morning. Soon after, XXXX XXXX informed  me that now the balance of my savings account would need to be wired to a different recipient at the same XXXX XXXX bank. \nThis was perhaps the turning point in my realization that I was possibly dealing with the real scammers. \n\tOn XXXX XXXX  I was feeling even more convinced of what had really happened to me. Toward the end of the day, I turned off my phones, went to my neighbors to use hers, and called Chase Bank to report that I was the victim of fraud. I spoke to up to four agents, the last wanting  to make sure I knew that Chase was not responsible for anything in any way, since I had authorized the transactions. I returned to my house, completely devastated to face the weekend and what seemed to be a hopeless future.\n\tOn XXXX XXXX I contacted law enforcement in the morning and made a police report. I also submitted an IC-3 report by email to the FBI. \n\tOn XXXX XXXX, I called Chase in the morning to ask some follow-up questions about the wire transfer. I learned that by reporting the fraud to Chase I had essentially opened up a claim, so I was put in touch with that department. In an attempt  to get more concrete information, I ended of speaking with several people, the last one finally saying, Well, I guess I could let you talk to Wire Recall. After she transferred me, that agent immediately sent a wire to the bank in XXXX XXXX and then told me that each person I had spoken with at Chase regarding my being the victim of a scam (approximately XXXX), was obligated to tell me of the wire recall process which sometimes resulted in ones money being returned. In a conversation later with the wire research department , another representative confirmed this.\n\tOn XXXX XXXX, I received a call from an investigator from Chase who specializes in fraud cases involving vulnerable adults. When I described my experience in withdrawing the cash, she  responded by saying that she was surprised that a person of my age would be given that much money, especially in a box that was obviously from a bank. Several days later I received a letter from the Claims Department dated XXXX XXXX, which states that my claim was denied since I had authorized the request.\n\tOn XXXX XXXX I returned to the XXXX Branch of Chase for the purpose of changing  my savings account number. The fact that I had been scammed, indirectly via my savings account, was discussed, of course, but not to great length. \n\tDuring the following week it came to my attention that I could check the status of the wire recall through the Wire Research Department and attempted to do so, but was unable to reach it until XXXX XXXX. I was told that they needed a police report number which, if asked for when the wire recall was sent XXXX XXXX I would have given. I dont really know if it was Chase or the XXXX XXXX bank that was requesting  the number. In any case, I then provided it to the agent, and when I asked the date of that request, he informed me that it was XXXX XXXX In a later update I was told that four attempts had been made to recall the wire transfer prior to the one sent on XXXX XXXX However, I dont know whether or not they had included the number. It wasnt until XXXX XXXX that the XXXX XXXX  bank reported that the recipient of the wire transfer had not responded to attempts to contact him. Chase never informed me of any of these things. Im only aware of them through having contacted  wire research on my own. If the wire transfer had taken place as soon as I had reported the fraud to Chase, and if the follow-through had been handled efficiently, perhaps my XXXX could have been recovered.\n\n\tOn XXXX XXXX  I received a call from the Executive Office informing me that they were investigating a complaint against Chase from a third party. However, the representative refused\nto give me that name and when I followed up a few days later, I was told there was no new information and was still unable to find out who had placed the complaint. \nto give me that name and when I followed up a few days later, I was told there was no new information and was still unable to find out who had placed the complaint. \n\tLike countless other elderly people, I was duped by a vicious scheme that Chase Bank had reason to recognize. Because of that, XXXX from my savings account is now in the \nhands of people that I was convinced were helping me. The majority of these funds came from my parents who, by making sacrifices and careful decisions throughout their long lives, were able to leave me. One fourth of that total was the result of my having recently sold some small XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I considered my savings an emergency fund that could get me through a month when my  social security check fell short of covering my expenses. It would also be there for things like repairs to my 25 year old car, an occasional trip to visit my grandchildren, and overdue home repairs that would help insure that I could safely stay in my home for as long as possible. And it would  be available for my burial expenses. But besides the financial cost, the effect on my emotional and physical well-being, as well as on my long term health, are incalculable. My life has been impacted in countless ways and will continue to be. \n\tBecause Chase ignored the red flags, this scam, not an uncommon one, I have been told, was allowed to succeed. I am also pointing to its careless and negligent business practices, for instance putting cash in a conspicuous container, and the delay and inefficiency in handling wire recalls. It may be that Chase did not even follow its own protocols. Obviously they did not adhere to the Consumer Financial Protection Bureaus Elder Abuse and Dependent Adult Civil Protection Act, created by legislature in1982, which is mandatory in California. Nor did they follow the CFPB Guidance Recommendations established in 2016. I dont know if Chase filed an SAR report, as they were no doubt required to do.\n\tFor my part, I am working to raise awareness, not only with regard to the scam itself, but to Chases failure to intervene on behalf of their clients. On XXXX XXXX, I will be featured on the XXXX podcast, XXXX XXXX XXXX, and I intend to use other venues as well, in order to share my experience with the public. Lawmakers, too, are becoming more involved in how banks handle questionable transactions like mine. Bill SB278, introduced by Senator XXXX XXXX of California and supported by Consumer Attorneys of California and elder rights advocates, is aimed at holding financial institutions liable in situations in which they, knowingly or otherwise, assisted in financial abuse. Through combined efforts like these, elderly people will be better protected against losing their financial resources to scams that could have been avoided with the help of their bank.","date_sent_to_company":"2023-10-22T22:02:23.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"920XX","tags":"Older American","has_narrative":true,"complaint_id":"7739631","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-10-22T21:39:04.000Z","state":"CA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["He told me that an air purifier had <em>been</em> ordered on my <em>account</em> by an <em>unknown</em> <em>person</em>. Eventually I was transferred to XXXX XXXX who told me a huge spy network had managed to remove XXXX from my Chase savings <em>account</em>. He gave me specific details as to exactly what had <em>taken</em> place and assured me that he and the investigative team at Amazon could get my money back through a method he referred to as a duplicate charge <em>over</em>."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Savings <em>account</em>"]},"sort":[8.640004,"7739631"]},{"_index":"complaint-public-v1","_id":"5916248","_score":8.085347,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Dear Sir/Madam of the Consumer Financial Protection Bureau XXXX XXXX XX/XX/XXXX, I fell victim to a multilayered operation orchestrated by XXXX XXXX XXXX and a scammer called XXXX XXXX XXXX the Company ) and lost XXXX USD of my hard-earned funds. I advised Bank of the West of this fact on XX/XX/XXXX and I havent received any satisfactory response so far. Their sophisticated, manipulative, aggressive emotionally/psychologically driven sales tactics specifically tuned in to my personal circumstances was a deliberate and vicious financial crime on me as a vulnerable and unsuspecting individual. I also understand now that there is a multimillion-pound  industry out there with such Company operating to effectively steal people 's money using these tactics. Bank of the West had a duty to exercise reasonable professionalism, care, pay due to regards to the interest of their customers and follow good industry practices ( GIP ) to keep customers accounts safe. This includes identifying vulnerable consumers who may be particularly susceptible to scams and looking out for payments which might indicate the consumer is at risk of financial harm. Since XX/XX/XXXX, I have been attempting to resolve this matter with Bank of the West, but they have failed to settle this matter satisfactorily. I have been dealing with Bank of the West in good faith and am deeply disappointed in how they have handled this matter thus far. \nfind it baffling and reprehensible that my money has been so egregiously misused in a fashion that violates their principles, which call me to defend my rights. This is poorly thought out and vaguely defined nonsense. I doubt they care however since nonsense is what renders unscrupulous businesses financially successful. \nAccordingly, I respectfully insist that Bank of the West covers all overdrafts ( XXXX USD ) on the account. This is fair and reasonable given I was given no appropriate warning about the possibility of a scam. I have been a loyal customer of Bank of the West and have never had any difficulties of this kind before. \nFURTHER POINTS FOR CONSIDERATION Despite the regulatory and statutory requirements Bank of the West shall abide by as a licensed and regulated financial institution, instead of detecting patterns, drawing certain conclusions, and taking actions accordingly, Bank of the West may have insufficiently performed some hasty and haphazard review of the transaction ( s ) regarding the suspicious activities, but it seems that rather than being careful, methodical, and vigilant, they took no notice of what was happening. \nPlease be noted that I will not in any way quietly tolerate the consequences of Bank of the West actions ( or more precisely, the lack thereof ). It is perfectly obvious that they could have, and should have, utilized various risk-based examination procedures and techniques, all of which are within their purview and could have entirely prevented this disastrous outcome. \nAs previously advised, they should have known, suspected, or had reason to suspect that the transactions ( or pattern of transactions ) : involve funds the ultimate purpose of which was to fuel an illegal enterprise ; is intended to disguise funds the ultimate purpose of which was to fuel an illegal enterprise, in an attempt to avoid and thus violate regulations ; is intentionally designed to defraud your customer ; serves no legitimate or lawful purpose ; and involve the use of your services to facilitate criminal activity. \nThere are so many other ways in which measures related to fraud prevention and mitigation could have been useful. Further factors that should have been taken into consideration include, but are not limited to, the following : The timing, volume, frequency, and nature of the transactions in question ; The abnormality of such transactions against the background of your experience with me as a customer and other entities associated with the transactions ( if any ) ; The suspicious nature of such transactions based on my overall risk profile including vulnerability and identification and research of high-risk services/products ; Systemic filtering mechanisms, whether manual or automatic, for the identification of unusual activities ; and Periodic evaluation of the usefulness, appropriateness and effectiveness of anti-fraud programs, and other associated policies and procedures. \nThere are some recommendations to organizations for protecting customers from financial harm that might occur as a result of fraud or financial abuse ; and gives guidance on how to recognize customers who might be at risk, how to assess the potential risks to the individual and how to take the necessary actions to prevent or minimize financial harm. \nThese recommendations are established as a general principle, the organization should deliver a service that : 1 ) Takes a proactive approach to minimizing risks, impact and incidences of financial harm and it sets out systems and tools for the prevention and detection of fraud and financial abuse. As a general point, it says organizations should ensure that all systems are developed using technologies and methodologies that are effective in the prevention of fraud and financial abuse, through authorized and unauthorized payments, thereby minimizing the risk of financial harm to customers. As regards to the detection of fraud and financial abuse, it says the organization : A ) should have measures in place across all payment channels and products to detect suspicious transactions or activities that might indicate fraud or financial abuse. It then lists the following examples of suspicious activity on customer accounts : a. multiple cheque books; b. sudden increased spending ; c. transfers to other accounts ; d. multiple password attempts ; e. logins from new devices, multiple geographical locations ; f. sudden changes to the operation of the account ; Unusual transactions are transactions whose amount, characteristics and frequency bear no relation to the economic activity of the customer, exceed normal market parameters or have no apparent legal justification. \ng. a withdrawal or payment for a large amount ; h. a payment or series of payments to a new payee ; i. financial activity that matches a known method of fraud or financial abuse. \nB ) organizations should have a process in place to ensure that staff make contact with the customer to verify the financial activity, challenge its authenticity, explain the nature of the suspected or detected fraud and discuss an appropriate plan of action. \nBank of the West could have done more at the time of the payment to warn me of the risks of scams Taking steps to educate their customers about scams Taking steps to identify higher risk payments and customers who have a higher risk of becoming a victim of scams Providing effective warnings to customers if the bank identifies a scam risk Taking extra steps to protect customers who might be vulnerable to scams Talking to customers about payments and even delaying or stopping payments where there are scam concerns Acting quickly when a scam is reported to it Taking steps to stop fraudsters from opening bank accounts Banks and other Payment Services Providers ( PSPs ) do have a duty to protect customers against the risk of financial loss due to fraud and/or to undertake due diligence on large transactions to guard against money laundering. In broad terms, the starting position at law is that a firm is expected to process payments and withdrawals that a customer authorises it to make, in accordance with the Payment Services Regulations and the terms and conditions of the customers account.\n\nBut, where the consumer made the payment as a consequence of the actions of a fraudster, it may sometimes be fair and reasonable for the bank to reimburse the consumer even though they authorised the payment. \nBank of the West could have protected me from this ; unlike me, the bank knows about the existence of such scams and how you prey on vulnerable victims like myself, taking advantage of lack of knowledge, awareness, and circumstance. Despite the irregularities in my spending and such untypical patterns, not a single contact had made me question what I was doing. The treatment from Bank of the West is compounded by trauma and anxiety and has left me in the awful situation I now find myself in. \nAlthough it was not Bank of the West that scammed me, they had many obligations to protect my Financial Interest- which they did not uphold if you take a quick look at the bank statements you will realise how the transactions were absolutely out of the usual pattern, there was suddenly increased spending, multiple transfers on a single day, payments for considerably large amounts, series of payments to a new payee and of course financial activity that matched a known method of fraud or financial abuse. \nAll of the above points were not considered by Bank of the West when I was victimised, and no actions were taken to prevent that victimisation. Of course, I appreciate that they might want to act in good faith and uphold my requests to transfer these payments but the code sets out that organisations should have a process in place, to ensure that ( i ) staff make contact with the customer to verify the financial activity, ( ii ) challenge its authenticity, ( iii ) explain the nature of the suspected or detected fraud and ( iv ) discuss an appropriate plan of action. \nAnti-Money Laundering Requirements for Financial Institutions and Other Designated Businesses 3.1 What financial institutions and other businesses are subject to anti-money laundering requirements? Describe which professional activities are subject to such requirements and the obligations of the financial institutions and other businesses. The following are subject to the requirement to maintain risk-based AML Programs XXXX Banks, including savings associations, trust companies, credit unions, branches and subsidiaries of foreign banks in the United States XXXX and Edge corporations. \nBroker-dealers in securities. \nMutual funds. \nFutures Commission Merchants and Introducing Brokers in Commodities.\n\nMoney Services Businesses 3.4 What are the requirements for recordkeeping or reporting large currency transactions? When must reports be filed and at what thresholds? \nCurrency Transaction Reporting Financial institutions ( defined as financial institutions under the BSA regulations ) must file CTRs with FinCEN on all transactions in ( physical ) currency in excess of {$10000.00} ( or the foreign equivalent ) conducted by, though, or to the financial institution, by or on behalf of the same person, on the same day. 31C.F.R. 1010.310315.\n\nIt is prohibited to structure transactions to cause a financial institution not to file a CTR or to file an inaccurate CTR by breaking down transactions into smaller amounts at one or more financial institutions over one or more days. 31 C.F.R. 1010.314. \nCustomer Due Diligence Pursuant to regulatory requirements, which became effective XX/XX/XXXX, as part of their AML Programs, certain financial institutions ( banks, broker-dealers, mutual funds, FCMs and IB-Cs ) must implement formal risk-based CDD programs that include certain minimum elements, including customer identification and verification ( under a Customer Identification Program ), obtaining information about the nature and purpose of a customers account, ongoing monitoring of customer accounts, obtaining beneficial ownership information at a 25 % threshold for legal entity customers and identifying a control person for legal entity customers ( with certain exceptions ). \nThere also is a specific BSA requirement to maintain CDD programs for non-U.S. persons private banking accounts and foreign correspondent accounts. The same covered financial institutions as for CDD programs ( banks, broker-dealers, mutual funds, FCMs and IB-Cs ) must maintain a CDD program for non-U.S. private banking accounts established on behalf of, or for the benefit of, a non-U.S. person and foreign correspondent customers and an enhanced due diligence ( EDD ) program for those relationships posing a higher risk. These programs must be designed to detect and report suspicious activity with certain minimum standards. These requirements are based on Section 312 of the PATRIOT Act and are often referred to as Section 312 requirements. 31 C.F.R. 1010.610 ( due diligence for foreign correspondent accounts ), 1010.620 ( due diligence for private banking for non-U.S. persons ). \n3.9 What is the criteria for reporting suspicious activity?\n\nFinancial institutions and other businesses subject to the AML Program requirement ( except Check Cashers, Operators of Credit Card Systems, and Dealers in Precious Metals, Precious Stones, or Jewels ) are required to file SARs with FinCEN under the BSA ( and for banks, under parallel requirements of their federal functional regulators ). SARs are required where the filer knows, suspects, or has reason to suspect a transaction conducted or attempted by, at or through the financial institution : involves money laundering ; is designed to evade any BSA regulation or requirement ; has no business or apparent lawful purpose or is not the sort in which a particular customer would engage ; or involves the use of the financial institution to facilitate criminal activity or involves any known or suspected violation of federal criminal law.\n\nSee, e.g., 31 C.F.R. 1023.320 ( c ) ( SAR requirements for broker-dealers ). Generally, the reporting threshold is {$5000.00} or more. For banks, if the suspect is unknown, it is {$25000.00} or more. For MSBs, generally, it is {$2000.00} or more.\n\nIn summary, I respectfully request Consumer Financial Protection Bureau to review my points above, given your influence and obligations to provide : The duty of care they owe me as my bank.\n\nThe position I hold as loyal customer and their own intellectual knowledge, which has been overlooked in this case ; to be applied in a professional manner being justified as part of their banking services to their customers.\n\nThey should have noticed it in my transaction history that I have not done any transaction nor released such a large amount of money in foreign currency since I became their customer.\n\nDesired outcome : Bank of the West has to put things into the right perspective for me by reversing the total amount of XXXX USD paid to scammers as I have suffered a great loss because of this fraud, it had affected me personally, emotionally and financially. \nYours sincerely, XXXX XXXX XXXX","date_sent_to_company":"2022-08-25T15:26:35.000Z","issue":"Fraud or scam","sub_product":"International money transfer","zip_code":"91304","tags":null,"has_narrative":true,"complaint_id":"5916248","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF THE WEST","date_received":"2022-08-25T15:06:21.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["There also is a specific BSA requirement to maintain CDD programs for non-U.S. <em>persons</em> private banking <em>accounts</em> and foreign correspondent <em>accounts</em>."]},"sort":[8.085347,"5916248"]},{"_index":"complaint-public-v1","_id":"19903145","_score":7.199587,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX I received a phone call from the USAA phone number at about XXXX. When the call came through to my phone, the caller ID said USAA at the top of the screen and was the identical number that is listed on the back of my card. When I answered I was told that USAA was calling because they had detected some suspicious activity on our account and would need to confirm if I made the fraudulent charges. After this person explained there were several charges that ranged within $ XXXX {$2000.00} dollars, the \" USAA employee/imposter '' told me that they had locked our cards and accounts for our safety and would dispute the charges but that I would need to confirm the recent charges I HAD made. He proceeded to read off current charges on my account that matched what I was looking at. He explained that if I logged into my account I could see that our accounts were all put under investigation for our safety while they disputed the fraudulent charges. I received a fraudulent notice text from USAA automated texting system. I was then told that there was also a locally made charge in the form of a cash advance for XXXX dollars made at a XXXX bank by a local company. The employee from USAA then sent me a series of security codes through the USAA automated system ( at the time I did not know he was logged into my bank and do not know how he gained access, nor was I notified of an unknown login by USAA ) He said I would need to go to XXXX bank to start a process for declining those charges and that it was urgent or time sensitive. I went to the bank and followed the instructions this USAA employee gave me in which my card declined. He instructed me that was normal because our accounts were locked so no funds could be transferred out of our accounts. He then instructed me to fill out a deposit slip with a fake bank account and number that USAA uses for these types of fraudulent charges. \n\nI was then sent another text from USAA automated system notifying me that they detected possible fraudulent activity and asked me to confirm if I made the attempt or not for the {$9800.00} dollar charge. I responded N for no. He then instructed me to go to XXXX XXXX, he explained that USAA doesnt have a branch in Oregon so they allow their members to use local banks. When I walked into XXXX XXXX he instructed me to fill out the same information on another deposit slip. When I handed it to the banker she tried it and the advance successfully went through and the money was then removed immediately from our accounts even though I was under the impression that they were locked and nothing could be taken in or out of our accounts. The bank lobby cash advance limit for all of our debit cards was at the USAA default of {$1000.00} dollars and can only be temporarily increased, per USAA policy. At no time, did we ever make a change to increase the limits. This charge should have NEVER been successful. So it is obvious that the fraudster deliberately increased the limits of our cards in an attempt to make the transaction successful, while being logged into our account and WITHOUT our knowledge. \n\nI called my husband to let him know what was going on. This person instructed XXXX that he could call into USAA on his phone and confirm with USAA that he was an employee. He gave us his name XXXX XXXX. XXXX then called USAA and they confirmed that they had not called us and XXXX instructed me to hang up the phone with the fraudster. \n\nWhen looking at our bank accounts you could see where the fraudster was logged in and actively moving/transferring money between ALL of our accounts. At no time did we receive an attempted login warning from USAA or a new device login notification. You can clearly see where he transferred the money from each account, shuffling the money between all 4 accounts trying to figure out how much total he could remove. When the first card declined he then shifted the money around AGAIN into my husband 's account and then instructed me to try my card that was linked to my husband 's account. The second transaction for {$9300.00} dollars was approved by USAA without ever notifying us by text message, like they did for the previous attempt at XXXX bank. My question being, If USAA sent a fraudulent detection text at the XXXX bank ( XXXX bank ) why would they approve a SECOND attempt at a different bank for the same amount that they had just labeled as fraud? Why wasnt that declined and why was a call not put into us to explain what they were seeing? \n\nWhen I spoke with USAA later that afternoon they sent me automated codes from the same system that the fraudster used and then asked me to read them back to them even though the text instructs not to do so. While I was filing the dispute USAA informed me that this kind of scam is called spoofing where the fraudsters link their numbers to USAA so that it looks like USAA is calling. They even confirmed they had the fraudsters IP address that was registering in Florida. Why would we not be notified of an unknown login from Florida when we live in Oregon? \n\nI spoke with \" XXXX '' in the fraud department informing me that they reopened/unfroze all of our accounts. We explained to them that we would like to remove the money in those accounts because whoever was logged in had full access to each account 's routing information, account numbers, and any personal information that was in our accounts. \n\nThey did provide a provisional credit within 10 days which we also transferred out because we did not want that money to be stolen also. I had not heard from them since the original date on XX/XX/XXXX about where our dispute was at in the process of being investigated even though I have placed multiple calls into them. They instructed me that the dispute can take up to 45 days and that their investigators for disputes are unreachable, they are in a separate office that the USAA team can not speak to. \n\nI received a document on XX/XX/XXXX requesting a description of the \" counterfeit merchandise '' deemed a scam. The date it happened and location of the merchandise. \n\nI immediately called USAA that day and spoke with XXXX, a USAA employee, regarding this request since the document USAA had sent was requesting counterfeit merchandise and there was no counterfeit merchandise. All the information they requested was on the document they sent me. XXXX XXXX XXXX on XX/XX/XXXX, and the amount of the transaction {$9300.00}. The employee stated that he agreed, the documents request did not make sense and that he would place a callback request so someone would reach out explaining exactly what documentation they needed from me to proceed with the investigation, within 10 business days. I confirmed with XXXX that this would not hold up the investigation since the request for documentation was needed by XX/XX/XXXX, and he confirmed there was nothing further needed on my part ( no document uploaded ) until I received the callback with clarification. I had not heard back from USAA so on XX/XX/XXXX I called and spent over 2 hours on the phone with 3 different USAA employees who recorded my issues and said that XXXX never filed the call back request and that they would file a callback request on my behalf. The first employee I spoke with stated that they would most likely need a document with my statement of what had happened but that the callback would confirm what was needed. I also confirmed that I had already provided a statement to \" XXXX '' who was the employee that originally filed our dispute on XX/XX/XXXX. I was then transferred to a second employee, whose name was not given, after re-explaining the entire situation to a second employee in the same phone call, he explained to me that he had confidence in this dispute that it would be resolved and that the callback could take up to 10 days but there was nothing further needed on my end. I never received a callback. \n\nOn XX/XX/XXXX I received an email with a document stating that they have closed my dispute due to lack of documentation provided. This was the first I had heard from USAA since my last phone call encounter on XX/XX/XXXX. I then called USAA first thing the morning of XX/XX/XXXX. After explaining the letter I received and informing this USAA employee that the dispute was closed wrongfully due to the fault and lies of multiple USAA employees, the USAA employee I was speaking with deemed it was my fault because I didn't upload the document requested. I explained to him that the request from USAA requested information that was wrong and I did not have, and that is why I spent all week on the phone with USAA to try and figure out what the next step was that I needed to complete,. for the investigation and I was wrongfully informed that there was no further action needed by me, to simply wait for a callback from USAA. I then requested to speak to a supervisor, and \" XXXX '' got on the phone and apologized several times for the incorrect information/impression that the previous employees had given me, because the information was incorrect/false. He said that dispute investigators do not make callbacks and unfortunately there was nothing he could do to \" re-open '' the case. He asked me to upload a document with my statement of everything that has happened so far, I then immediately uploaded a document with the requested information and asked him to confirm that he had received it. He explained that he could not do that, that it can take up to 48 hours to receive the uploaded document. He confirmed he filed a request to the investigator team to re-investigate the new information I provided and then decide if they would reopen my dispute case. He confirmed that there were no promises that it would be reopened at this point even though it was USAA 's fault that they closed my dispute without the proper investigation. He said the Decision letter will be sent within 30 business days. And there is no way of knowing if it will be a different decision from what they already provided. They removed/took back our {$9300.00} provisional credit on XX/XX/XXXX. \n\nI believe the lack of employees, lack of follow-up that was promised, and the false information that each employee provided and guaranteed would happen, lead to the wrongful closing of my dispute. This goes against my rights and it is now XX/XX/XXXX and I have not heard from USAA on the status of the request submitted to re-investigate my dispute. \n\n- USAA did not detect or prevent a login from an unknown computer. \n- The fraudster provided confidential information about my account that gave credibility to the \" USAA fraud call ''. \n- USAA did not prevent spoofing of their customer service phone number. \n- XXXX mimicked USAA standard practices of sending me a security code. \n- USAA did not impose a debit card transaction limit that would have minimized loss. \n- USAA did not warn me of this possible scam or provide adequate security training. \n\nAll of these factors contributed to me falling victim to this scam. \n\nI am protected by XXXX XXXX and XXXX XXXX XXXX XXXX and would like this matter investigated.","date_sent_to_company":"2026-03-02T19:29:41.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"977XX","tags":"Servicemember","has_narrative":true,"complaint_id":"19903145","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2026-03-02T19:18:05.000Z","state":"OR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["This charge should have NEVER <em>been</em> successful. So it is obvious that the fraudster deliberately increased the limits of our cards in an attempt to make the transaction successful, while being logged into our <em>account</em> and WITHOUT our knowledge. \n\nI called my husband to let him know what was going on. This <em>person</em> instructed XXXX that he could call into USAA on his phone and confirm with USAA that he was an employee. He gave us his name XXXX XXXX."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[7.199587,"19903145"]},{"_index":"complaint-public-v1","_id":"6482545","_score":7.194559,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Consumer Financial Protection Bureau\nP.O. Box 2900\nClinton, \nIA 52733-2900 TRUIST BANK  BREACH OF DUTY OF CARE\n \t \t \t \nDear Sir/Madam of the Consumer Financial Protection Bureau,  \n\nPlease take the time to read this information pack as it will explain the reason for my complaint to the Consumer Financial Protection Bureau. \n\nOn XXXX XXXX XXXX, I fell victim to a multilayered scam operation orchestrated\nby XXXX XXXX (the Scammer) and innocently lost XXXX  USD of my hard-earned life-savings.  I advised Truist Bank of this fact on XXXX XXXX XXXX and I havent received any satisfactory response so far.\n\nTruist Bank had a duty to exercise reasonable professionalism, care, pay due to regards to the interest of their customers and follow good industry practices (GIP) to keep customers accounts safe. This includes identifying vulnerable consumers who may be particularly susceptible to scams and looking out for payments which might indicate the consumer is at risk of financial harm.   \n \nSince XXXX XXXX, I have been attempting to resolve this matter with Truist Bank, but they have failed to settle this matter satisfactorily. I have been dealing with Truist Bank in good faith and am deeply disappointed in how they have handled this matter thus far.  \n   \nI find it baffling and reprehensible that my money has been so egregiously misused in a fashion that violates their principles, which call me to defend my rights. This is poorly thought out and vaguely defined nonsense. I doubt they care however since nonsense is what renders unscrupulous businesses financially successful. \nAccordingly, I respectfully insist that Truist Bank covers all overdrafts (560,000.00 USD) on the account. This is fair and reasonable given I was given no appropriate warning about the possibility of a scam. I have been a loyal customer of Truist Bank and have never had any difficulties of this kind before.\n\nFURTHER POINTS FOR CONSIDERATION \n\nThe examples of good and bad practices around investment fraud. Good practice included but was not limited to:\n\tA bank regularly assesses the risk to itself and its customers of losses from fraud, including investment fraud, in accordance with their established risk management framework. The risk assessment does not only cover situations where the bank could cover losses, but also where customers could lose and not be reimbursed by the bank. Resource allocation and mitigation measures are informed by this assessment.\n\tA bank contacts customers if it suspects a payment is being made to an investment fraudster.\n\tA bank has transaction monitoring rules designed to detect specific types of investment fraud. Investment fraud subject matter experts help set these rules.\n\tReal-time payment screening against a well-formulated watch list; transaction monitoring rules designed to detect specific types of investment fraud\n\tBanks actively contacting customers if suspect payments are identified\n\tBanks placing material on investment fraud on its website\n\tWork to detect and prevent investment fraud from being integrated with a banks vulnerable customers initiative\n\nTaking into account the law, regulatory rules and guidance, relevant codes of practice and what should consider having been good industry practice at the time, Truist Bank should reasonably and reasonably consider:\n\tHave been monitoring accountsand any payments made or receivedto counter various risks, including anti-money-laundering, countering the financing of terrorism, and preventing fraud and scams;\n\tHave had systems in place to look out for unusual transactions or other signs that might indicate its customers were at risk of fraud (amongst other things). This is particularly so given the increase in sophisticated fraud and scams in recent years, which banks are generally more familiar with than the average customer; and\n\tIn some circumstances, irrespective of the payment channel used, have taken additional steps, or made additional checks, before processed a payment, or in some cases declined to make a payment altogether, to help protect customers from the possibility of financial harm from fraud.\n\nDespite the regulatory and statutory requirements Truist Bank shall abide by as a licensed and regulated financial institution, instead of detecting patterns, drawing certain conclusions, and taking actions accordingly, Truist Bank may have insufficiently performed some hasty and haphazard review of the transaction(s) regarding the suspicious activities, but it seems that rather than being careful, methodical, and vigilant, they took no notice of what was happening.\n\nPlease be noted that I will not in any way quietly tolerate the consequences of Truist Bank actions (or more precisely, the lack thereof). It is perfectly obvious that they could have, and should have, utilized various risk-based examination procedures and techniques, all of which are within their purview and could have entirely prevented this disastrous outcome.\nAs previously advised, they should have known, suspected, or had reason to suspect that the transactions (or pattern of transactions):\n\tinvolve funds the ultimate purpose of which was to fuel an illegal enterprise;\n\tis intended to disguise funds the ultimate purpose of which was to fuel an illegal enterprise, in an attempt to avoid and thus violate regulations;\n\tis intentionally designed to defraud your customer;\n\tserves no legitimate or lawful purpose; and\n\tinvolve the use of your services to facilitate criminal activity.\n\nThere are so many other ways in which measures related to fraud prevention and mitigation could have been useful. Further factors that should have been taken into consideration include, but are not limited to, the following:\n\tThe timing, volume, frequency, and nature of the transactions in question;\n\tThe abnormality of such transactions against the background of your experience with me as a customer and other entities associated with the transactions (if any);\n\tThe suspicious nature of such transactions based on my overall risk profile including vulnerability and identification and research of high-risk services/products;\n\tSystemic filtering mechanisms, whether manual or automatic, for the identification of unusual activities; and\n\tPeriodic evaluation of the usefulness, appropriateness and effectiveness of anti-fraud programs, and other associated policies and procedures.\n\nRelevant industry practices at the time of the victimization:\nTruist Bank is obliged to take some action if it is sufficiently aware of a real possibility that a fraud may be being perpetuated. If you don't question its customers instructions or raise the possibility of a scam with the customer in these circumstances, it may be liable if the red flags indicate the customer is:\n\tparticularly vulnerable, or\n\tif the possibility of fraud was serious or real, not just suspected.\n\nThere are some recommendations to organizations for protecting customers from financial harm that might occur as a result of fraud or financial abuse; and gives guidance on how to recognize customers who might be at risk, how to assess the potential risks to the individual and how to take the necessary actions to prevent or minimize financial harm.\nThese recommendations are established as a general principle, the organization should deliver a service that:\n\n1)\tTakes a proactive approach to minimizing risks, impact and incidences of financial harm and it sets out systems and tools for the prevention and detection of fraud and financial abuse. As a general point, it says organizations should ensure that all systems are developed using technologies and methodologies that are effective in the prevention of fraud and financial abuse, through authorized and unauthorized payments, thereby minimizing the risk of financial harm to customers. As regards to the detection of fraud and financial abuse, it says the organization:\n\nA) should have measures in place across all payment channels and products to detect suspicious transactions or activities that might indicate fraud or financial abuse. It then lists the following examples of suspicious activity on customer accounts:\na. multiple cheque books;\nb. sudden increased spending;\nc. transfers to other accounts;\nd. multiple password attempts;\ne. logins from new devices, multiple geographical locations;\nf. sudden changes to the operation of the account; Unusual transactions are transactions whose amount, characteristics and frequency bear no relation to the economic activity of the customer, exceed normal market parameters or have no apparent legal justification.\ng. a withdrawal or payment for a large amount;\nh. a payment or series of payments to a new payee;\ni. financial activity that matches a known method of fraud or financial abuse.\n\nB) organizations should have a process in place to ensure that staff make contact with the customer to verify the financial activity, challenge its authenticity, explain the nature of the suspected or detected fraud and discuss an appropriate plan of action.\n\nMy true issue with the bank is their limited understanding of the kind of recall I was requesting to raise. The most common reason for a recall is where the account holder says the transaction was not authorised; a recall can also be claimed if the goods were not received or if the cardholder paid in another way (eg., with cash).\n\nWhilst I am not denying the demand for the reason code, I am emphasizing to the bank that my case falls under a different reason code. Despite providing the bank with the required explanations of my case, Truist Bank preferred to stick with the authorisation issue which has never been raised by me which already shows the banks lack of understanding of how to treat my case.\n\nTruist Bank could have done more at the time of the payment to warn me of the risks of scams\n\tTaking steps to educate their customers about scams.\n\tTaking steps to identify higher risk payments and customers who have a higher risk of becoming a victim of scams.\n\tProviding effective warnings to customers if the bank identifies a scam risk.\n\tTaking extra steps to protect customers who might be vulnerable to scams.\n\tTalking to customers about payments and even delaying or stopping payments where there are scam concerns.\n\tActing quickly when a scam is reported to it.\n\tTaking steps to stop fraudsters from opening bank accounts.\nBanks and other Payment Services Providers (PSPs) do have a duty to protect customers against the risk of financial loss due to fraud and/or to undertake due diligence on large transactions to guard against money laundering. In broad terms, the starting position at law is that a firm is expected to process payments and withdrawals that a customer authorises it to make, in accordance with the Payment Services Regulations and the terms and conditions of the customers account.\nBut, where the consumer made the payment as a consequence of the actions of a fraudster, it may sometimes be fair and reasonable for the bank to reimburse the consumer even though they authorised the payment.  \nI think Truist Bank shouldve had enough knowledge of this type of scam at the time. Truist Bank could have protected me from this; unlike me, the bank knows about the existence of such scams and how you prey on vulnerable victims like myself, taking advantage of lack of knowledge, awareness, and circumstance. Despite the irregularities in my spending and such untypical patterns, not a single contact was made me question what I was doing. The treatment from Truist Bank is compounded by trauma and anxiety and has left me in the awful situation I now find myself in.\nAlthough it was not Truist Bank that scammed me, they had many obligations to protect my Financial Interest - which they did not uphold if you take a quick look at the bank statements you will realise how the transactions were absolutely out of the usual pattern, there was suddenly increased spending, payments for considerably large amounts, series of payments to a new payee and of course financial activity that matched a known method of fraud or financial abuse.\nAll of the above points were not considered by Truist Bank when I was victimised, and no actions were taken to prevent that victimisation. Of course, I appreciate that they might want to act in good faith and uphold my requests to transfer these payments but the code sets out that organisations should have a process in place, to ensure that (i) staff make contact with the customer to verify the financial activity, (ii) challenge its authenticity, (iii) explain the nature of the suspected or detected fraud and (iv) discuss an appropriate plan of action. \n \nTo further simplify the situation with respect to the nature of the transactions, there are circumstances, irrespective of the payment channel used, where a bank should take additional steps, or make additional checks, before processing a payment, or in some cases decline to make a payment altogether, to help protect customers from the possibility of financial harm. This is particularly so in light of the environment created by the increase in sophisticated fraud and scams in recent years - which banks are generally more familiar with than the average customer.\n \nKindly take into account that this case against Truist Bank is not primarily about the scam that happened. My main issue with Truist Bank is its unwillingness to raise a recall under the relevant reason code. It is obvious that they did not take any of my reasonings into account and blatantly focused on the authorisation argument that does not match my case and the issue of whether the transactions were fraudulent according to what is written on the paper. \n\nAnti-Money Laundering Requirements for Financial Institutions and Other Designated Businesses \n\n3.1 What financial institutions and other businesses are subject to anti-money laundering requirements? Describe which professional activities are subject to such requirements and the obligations of the financial institutions and other businesses. The following are subject to the requirement to maintain risk-based AML Programs: \n\n\tBanks, including savings associations, trust companies, credit unions, branches and subsidiaries of foreign banks in the United States, and Edge corporations.\n\tBroker-dealers in securities.\n\tMutual funds. Futures Commission Merchants and Introducing Brokers in Commodities. Money Services Businesses 3.4 What are the requirements for recordkeeping or reporting large currency transactions? When must reports be filed and at what thresholds?\n\nCurrency Transaction Reporting\n\nFinancial institutions (defined as financial institutions under the BSA regulations) must file CTRs with FinCEN on all transactions in (physical) currency in excess of XXXX  (or the foreign equivalent) conducted by, though, or to the financial institution, by or on behalf of the same person, on the same day. 31C.F.R.  1010.310315.\nIt is prohibited to structure transactions to cause a financial institution not to file a CTR or to file an inaccurate CTR by breaking down transactions into smaller amounts at one or more financial institutions over one or more days. 31 C.F.R.  1010.314.\n\nCustomer Due Diligence\nPursuant to regulatory requirements, which became effective May 11, 2018, as part of their AML Programs, certain financial institutions (banks, broker-dealers, mutual funds, FCMs and IB-Cs) must implement formal risk-based CDD programs that include certain minimum elements, including customer identification and verification (under a Customer Identification Program), obtaining information about the nature and purpose of a customers account, ongoing monitoring of customer accounts, obtaining beneficial ownership information at a 25% threshold\nfor legal entity customers and identifying a control person for legal entity customers (with certain exceptions).\n\nThere also is a specific BSA requirement to maintain CDD programs for non-U.S. persons private banking accounts and foreign correspondent accounts. The same covered financial institutions as for CDD programs (banks, broker-dealers, mutual funds, FCMs and IB-Cs) must maintain a CDD program for non-U.S. private banking accounts established on behalf of, or for the benefit of, a non-U.S. person and foreign correspondent customers and an enhanced due diligence (EDD) program for those relationships posing a higher risk. These programs must be designed to detect and report suspicious activity with certain minimum standards. These requirements are based on Section 312 of the PATRIOT Act and are often referred to as Section 312 requirements. 31 C.F.R.  1010.610 (due diligence for foreign correspondent accounts), 1010.620 (due diligence for private banking for non-U.S. persons).\n3.9 What is the criteria for reporting suspicious activity?\n\nFinancial institutions and other businesses subject to the AML Program requirement (except Check Cashers, Operators of Credit Card Systems, and Dealers in Precious Metals, Precious Stones, or Jewels) are required to file SARs with FinCEN under the BSA (and for banks, under parallel requirements of their federal functional regulators). SARs are required where the filer knows, suspects, or has reason to suspect a transaction conducted or attempted by, at\nor through the financial institution: \n\n\tinvolves money laundering;\n\tis designed to evade any BSA regulation or requirement;\n\thas no business or apparent lawful purpose or is not the sort in which a particular customer would engage; or \n\tinvolves the use of the financial institution to facilitate criminal activity or involves any known or suspected violation of federal criminal law. \n\tSee, e.g., 31 C.F.R.  1023.320(c) (SAR requirements for broker-dealers). Generally, the reporting threshold is XXXX or more. For banks, if the suspect is unknown, it is XXXX or more. For MSBs, generally, it is XXXX or more.\n\nIn XXXX XXXX the office of the Senator XXXX XXXX  issued a report called: Facilitating Fraud: How Consumers Defrauded on XXXX are Left High and Dry by the Banks that Created It. These are some of the most important statements mentioned in the report:\nIn XXXX XXXX, Senator XXXX opened an investigation to determine the extent of fraudulent activity on XXXX, and to understand how the company and the banks that own and operate it make consumers whole when they are defrauded on the platform. Senators XXXX XXXX XXXX XXXX  wrote to XXXX seeking information about the frequency of scams and fraud and the companys policies on redressing consumers who have been defrauded. \nThe information provided by XXXX revealed that an estimated XXXX XXXX was lost by XXXX users through frauds and scams in 2021, but that the banks that participate in the network appear not to have provided sufficient recourse to their customers. In particular, XXXX response indicated that XXXX  facilitates fraudulent activity of many kinds That includes activity in which a users account is accessed by a bad actor and used to transfer a payment  often called unauthorized transactions  and activity in which a user is fraudulently induced into transferring a payment to a bad actor  often referred to by XXXX and XXXX-participant banks as authorized transactions.\nSenators XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX then sent letters to the seven big banks that own and operate XXXX parent company to determine the extent of the problems with illegal and fraudulent activity, and to determine how banks were helping consumers who lost money on the platform.\nAt nearly every turn, most of the big banks have stonewalled, refusing to provide the information requested by members of Congress. However, Senators XXXX XXXX XXXX finally obtained commitments from several of the banks CEOs that they would provide the information on XXXX to Congress during a Committee on Banking, Housing, and Urban Affairs hearing on XXXX XXXX XXXX\nOverall, the three banks that provided complete data sets  XXXX XXXX XXXX XXXX, and Truist  reported 35,848 cases of scams, involving over XXXX  million of payments in XXXX  and the first half of XXXX. In the vast majority of these cases, the banks did not repay the customers that reported being scammed. Overall these three banks reported repaying customers in only 3,473 cases (representing nearly 10% of scam claims) and repaid only XXXX XXXX  (representing 11.2% of payments).\nThe findings of this report reveal that fraud and theft on XXXX are widespread and growing, with consumers losing XXXX  each year. The banks that own and profit from the platform are failing to make their customers whole for both authorized and unauthorized fraudulent transactions, while refusing to release information publicly or to their customers that could help keep all consumers safe. Given this uncertain landscape and the banks abdication of responsibility, regulatory clarity is needed to further protect XXXX  users.\nThe CFPB has regulatory authority over peer-to-peer platforms including XXXX, and is reportedly considering issuing guidance to push banks to cover more fraudulently induced transactions, a move that would greatly improve consumer protections on peer-to-peer platforms like XXXX The agency should act to clarify and strengthen Regulation E and include fraud in the Regulations error resolution purview, increasing the responsibility of banks to keep XXXX safe and to ensure that consumers will be protected. The banks that created and profit off of XXXX should be pushed to protect their consumers from bad actors on their platform, and regulators should step in to ensure a fair and consistent process for everyone.\nFrom the report issued by the office of Senator XXXX XXXX, it is clear that the banks dont treat scam victims fairly, only 10% of scam victims get a compensation from the bank, while others just left suffering. Even more, banks keep getting their profit, while more and more people keep being scammed, hacked, simply saying, losing their hard-earned funds.\nAs it is mentioned in the report, such organizations as CFPB should issue a guidance in which it will be written how step-by step, financial institutions need to check each and every transaction that looks suspicious, especially those which are sent to a new payee (e.g., cryptocurrency platforms). In case if the financial institution doesnt follow these rules and their customer is scammed, it shouldnt be blamed only as a victims guilt. Financial institutions need to take their responsibility as well and provide their customer with a decent compensation.\n\nDesired outcome: Truist Bank has to put things into the right perspective for me by reversing the total amount of XXXX  USD paid to scammers as I have suffered a great loss because of this fraud, it had affected me personally, emotionally and financially. \n\n\nYours sincerely, \n\nXXXX XXXX","date_sent_to_company":"2023-01-24T12:46:36.000Z","issue":"Fraud or scam","sub_product":"International money transfer","zip_code":"20852","tags":null,"has_narrative":true,"complaint_id":"6482545","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2023-01-24T12:41:22.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["There also is a specific BSA requirement to maintain CDD programs for non-U.S. <em>persons</em> private banking <em>accounts</em> and foreign correspondent <em>accounts</em>."]},"sort":[7.194559,"6482545"]},{"_index":"complaint-public-v1","_id":"8613976","_score":6.7600927,"_source":{"product":"Debt collection","complaint_what_happened":"CFPB Complaint\n\nThere are two timelines and sets of debt I want to address in this complaint against ProCollect Services LLC and their attorney XXXX XXXX XXXX XXXX. But first, I want to describe why I am submitting this. \n\n1. This company purposely uses intimidation tactics by using police to serve summons that they do not file with the state.\n2. They also take legal action by serving papers on old debt just prior to a statute of limitations that North Dakota has to protect consumers, so that they can continue to attempt to collect on debt that they have not communicated on in years. \n\nIll go into more detail on each of these in my timeline of events. \n\nLATE XXXX XXXX\nI moved to Minnesota just after an XXXX XXXX back in North Dakota and a hospital bill fell through the cracks in all of the commotion of this life event. \n\nXXXX XXXX\nI receive 3 separate notices from ProCollect Services LLC trying to collect on medical debt totaling XXXX and gave me until XXXX to respond. I sent my response on XXXX requesting additional information to help validate the debt as laid out by the Fair Debt Collection Practices Act. One of the most basic ways of validating debt is getting the name AND address of where the debt was incurred. \n\nXXXX XXXX\nI received a timely response on XXXX  with a physically signed letter from the actual President of ProCollect Services LLC, XXXX XXXX It contained documents of the debt but it did  not verify the addresses of where this debt was incurred. I reply back on XXXX to try again and furnish the details they are legally required to do. I then do not hear from ProCollect for months.\n\nXXXX XXXX XXXX\nAfter over 2 months of radio silence from Pro Collect, I receive two interactions that ProCollect took action on the same day. XXXX \n1. In the mail, XXXX  replies with the addresses for the XXXX  debt. Great, thank you for doing the bare minimum almost half a year later.\n2. (INTIMIDATION EVENT ONE)The police also how up at my home and I was served papers telling me that I am required to to appear and defend against the Complaint and to file a response to the court within 21 days. I thought this very odd since I had been in prompt communication with ProCollect. Why are they serving me papers and taking legal action against me? (I will later realize that this summons is for debt approaching the 6 year statute of limitations that was separate from everything that has occurred thus far.)\n\nXXXX XXXX  So I sent XXXX  an email on XXXX addressing the summons advising again that I am willing to continue to work with Pro Collect Services, LLC in good faith to finalize this and come to a resolution that respects the rights of both parties. \n\nI receive no response from ProCollect or XXXX  so I file my response with the court taking the action as stated and required by the summons.\n\nI get a call on XXXX from XXXX XXXX (I believe to be the Court Clerk) advising me there are no active cases lodged or filed against me. She said I could either pay the court filling fee for ProCollect on top of my filling fee so that it gets filed or essentially wait. But that since no active case was pending against me, that they would have to return my court response and my filing fee. \n\nI later receive in the mail from the district court, my response, my filling fee and I wait.\n\nXXXX XXXX XXXX XXXX XXXX I reach back out to XXXX  to get clarification from them on why they are serving me papers but an actual case was not filed against me? Why are they sending summons but not following through with a case and are not communicating with me? On this same letter, I also formally validate the debt for XXXX  as it was incurred at locations that I was plausibly at. In this letter I also submit a request for a settlement offer that would get this all resolved. I advise that while I dont have medical jargon and dont know exactly what each charge was for, I want to get this resolved quickly because this has been an absolute nightmare. I offered my meager Christmas bonus and some additional on top that I could try and spare, all of which equated to over half the debt. I offered that or asked for an option for a payment plan. \n\nI wait again in earnest for a response.\n\nNotable Event!  Unknown to me at the time, between XXXX  - North Dakotas statute of limitations took effect on the old debt that I was served papers on in late XXXX. At this time, I also still dont understand that the summons was for the incredibly old debt and not from my latest interactions with ProCollect for XXXX.\n\nIn late XXXX, I received a letter from their attorney XXXX  dated 1/18/24 providing more information about the old debt. It included the necessary items including an itemized bill and he provided the addresses from where the debt was incurred. In this letter, unprompted, he also advised The claim of statute of limitations is not applicable in this matter as service was established prior to the date of the statute.  I never invoked statute of limitations. What statute of limitations? Why is he bringing it up as if I did especially when its not something that I was even aware of? I still dont notice that the items on this debt were from XXXX XXXX XXXX\nI then receive two responses from ProCollect again that were created on the same day. XXXX XXXX XXXX XXXX - I receive an email from an employee of ProCollect (XXXX XXXX) in response to my letter to XXXX. She declined my offer and advised they cant do settlements on accounts so recent. Either pay in full or submit an application for a payment plan. (INTIMIDATION EVENT TWO) Ive attached their Payment Plan Application Form. This form requires a Federal Income Tax Return, 3 months of paystubs, ID, 3 months of bank statements and multiple utility bills. They also ask for monthly living expenses that are itemized across some very personal aspects of your life including medical and prescription health costs. How is that ok and normal? They are saying, give us access to your entire financial life including medical costs to even attempt to qualify for a payment plan or you have to pay in full. I also think this is in direct  contrast from protections that are laid out in the FDCPA, specifically the right to not have invasions of individual privacy.\n2. I received another letter from their attorney XXXX  dated XXXX  with a settlement offer from ProCollect for a XXXX discount on this very old debt totaling XXXX How did a XXXX bill escalate to almost XXXX! It didnt as I of course now know. I went through the debt validation items sent by XXXX  about a week prior and noticed on the line items that they were dated back in XXXX (INTIMIDATION EVENT THREE) In this offer sent by XXXX, it ends with Please respond within 30 days. If response is not received, we intend to proceed with this matter. The only logical conclusion is that they would serve me again and actually file a case with the court instead of pretending to like they did previously. \n\nI take a few weeks to research this supposed statute of limitations that their attorney brought up and then began communication again with ProCollect and their attorney starting XXXX.\n\nI reply to XXXX  on the more recent debt for XXXX that I will not be filling out that incredibly invasive form and to please escalate my case to someone else who might be able to help. \n\nI then proceeded to have many emails back and forth with their attorney XXXX  over the next week until XXXX. To summarize, I ask for more clarity on why this statute does not apply in my case. I emphasize that he provided debt validation after the 6 years. I advise that they only served me a summons. They did not actually file anything with the court so no action was taken. I try to invoke the statute advising that an action had to be taken. The attorney has always assumed serving a summons tolls the statute of limitations and advised that he would look into the matter further. He did and advised that under federal law, they would have had to file in court but ND state law a civil action is commenced by the service of a summons. I have more to add on this topic with what else he said in that letter but Ill provide that in my summary. \n\nI reply back acknowledging what he found qualifies for an action within the state. I address further concerns on their practices. Specifically validating the debt after what would have been the 6 year statute of limitations. I asked for all communications they attempted prior to me being served. I requested a consumer friendly itemized list of charges from the debt because I am not a medical professional. I dont know what XXXX XXXX XXXX XXXX XXXX  means and if I am going to be paying literally thousands of dollars for a debt that happened over 6 years ago, you better believe I want to know exactly what I am being charged for. Studies indicate that around XXXX of US medical bills have errors, with over XXXX of these mistakes due to typos. I want to make sure Im being charged for actual services rendered. And I shouldnt have to be rushed into a settlement under threat of being sued in court. \n\nXXXX XXXX  (INTIMIDATION EVENT FOUR) ProCollect and their attorney XXXX  have been radio silent since my last communication until this past Thursday, XXXX  when they AGAIN sent police to my home and served me with papers for the most recent debt of XXXX I have communicated in good faith with them. I have been prompt in my responses. I am not hiding from them. I have sent all my physical mail to them certified so that I know that they received what I sent incurring additional costs on my behalf. I had to incur additional legal fees to attempt to file a response with the court for a case they never filed incurring additional costs on my behalf again. And to top it off! They tried charging me for the fake summons back in XXXX  with their settlement offer. Unbelievable! \n\n\nSUMMARY\nI assert that ProCollect Services LLC and their attorney XXXX  XXXX  have engaged in, and are continuing to engage in intimidation tactics to overwhelm the general public who do not have law licenses or easy access to legal assistance. They try and scare people into submitting to them and it works! Per the last email I received from their attorney, he says the following, I very seldom file an action right away becuase theres an XXXX fee for doing that. Many of my collection cases get resolved without going to court, so why incur that expense needlessly. He is trying to get the benefit of the power of the court which would intimidate any of the general public without paying the court to actually assert their power. He does the summons which he has handled by the police which has all this legal speak in it trying to coerce the population to instead reach out to him and be like We dont need to go to court for this, lets strike a deal. Whats also wild to me is that he then charges the debtor for the summons by the police that he chose to do. So he intimidates with the police with a summons he does not intend to file with the court becuase hell get the result he wants without incurring the expense of actually taking something to court. And then he tried to put that cost burden on the person who he is threatening legal action against. \n\nI also suspect that ProCollect in conjunction with their attorney, willfully and purposefully allow debt to get old with no communication prior to sending the police to peoples homes if at first they are not successful of collecting on the debt when it was originally incurred. I think they have a scheme where they have a list of cases that are about to expire and they make one last ditch effort to collect on it by sending a summons using the police to toll the statute of limitations action requirement in ND subverting the intention of the statute. If this scheme is somehow legal, it shouldnt be. I find it also is a breach of the FDCPA as I view it as an abusive and unfair debt collection practice. Who allows an account to go un-communicated on for YEARS and then without any heads up, just send the police to toll the statute of limitations so that they can continue to try by legal means. What have you been doing for 6 years ProCollect? \n\n\nRESOLUTION\nQuite frankly Im disgusted with their conduct. I am tired of being abused and bullied by their coordinated and explicit actions to try and intimidate me. I tried to work it out with them while also protecting my rights but they kept and continue to try and use the legal system to threaten me. No more. \n\n1. OLD DEBT - I wholeheartedly believe that their practice to send summons on old accounts without warning (especially when at the exact same time, I have been in consistent and constant communication with them!) is an absolute abuse of power and an unfair tactic. I foresee myself fighting to the bitter end against the old debt. What they are doing is not right.\n2. With regards to the more recent debt of XXXX, I am amicable to pay that in full less the legal fees I incurred when trying to submit to the court a response to their fake summons which was XXXX. Simple math brings that to a payout of $XXXX. I truly do not want to even give them a dime but here we are. However, I also want an apology letter from both the XXXX XXXX XXXX  and their attorney XXXX XXXX for the actions they took. They have caused me undue stress with something that should be a simple matter. I feel they took actions against me specifically becuase I was trying to protect my rights by validating the debt first before just agreeing to it. Validating debt is a protected right by the FDCPA whether they like it or not. It took them almost half a year to do so on the small claim and then they only did it on the old debt after tolling the statute by sending cops to my door. And they did the bare minimum after 6 years. \n3. I am not a legal person obviously but if taking a legal action just prior to a statue of limitations in a systematic way by threatening legal recourse is an abuse of power, I want them audited to see if this a common practice for them. I can all but guarantee that they do this to everyone to subvert the intention of that statute. \n\nThank you for taking the time to read my case. I have included everything in terms of communications from this ordeal to the best of my bookkeeping skills. If you have any questions or clarification you want prior to reaching out to ProCollect Services LLC, please feel free to do so. You can reach out to me by phone at XXXX or by email at XXXX XXXX XXXX","date_sent_to_company":"2024-03-23T23:47:00.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Medical debt","zip_code":"551XX","tags":null,"has_narrative":true,"complaint_id":"8613976","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Procollect Services LLC","date_received":"2024-03-23T23:05:20.000Z","state":"MN","company_public_response":null,"sub_issue":"Threatened to sue you for very old debt"},"highlight":{"complaint_what_happened":["OLD DEBT - I wholeheartedly believe that their practice to send summons on old <em>accounts</em> without <em>warning</em> (especially when at the exact same time, I have <em>been</em> in consistent and constant communication with them!) is an absolute abuse of power and an unfair tactic. I foresee myself fighting to the bitter end against the old debt. What they are doing is not right.\n2."]},"sort":[6.7600927,"8613976"]},{"_index":"complaint-public-v1","_id":"3910541","_score":5.7341332,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/20, I called the CFPB and filed complaint # XXXX because my daughter and I who have the same first name, but different last names tried to open accounts and they had us in their systems as the same person. We were considered aliases of each other. Every time we've tried to explain or clear things up we were transferred to voicemails, the XXXX department, operations loss prevention only to receive no answers and no assistance. After filing the complaint, I received a call from XXXX from the XXXX Executive Offices on XX/XX/20 at XXXX XXXX. He left a voicemail advising that he'd completed the investigation, updated my credit reports to reflect paid on time as agreed, verified that there are no accounts in neither my daughter or my name. He claimed that he couldn't even find a profile for either of us other than my credit card account. Which all of my children are authorized on. However, the credit card account still isn't being reported correctly and on time to all of the credit bureau 's for my children and I. In fact, the account has either never reported for some of them or was removed from some of their credit reports. They even removed one of my children for some unknown and unadvised reason so I had to add him back. I have called the number that XXXX left on my voicemail XXXX but continue to get a voicemail stating that inbound sales is not available. After leaving several messages, I learned that it's not a XXXX number. I still have the voicemail to verify the number that he left for me to call. So eventually, I googled the Executive Offices and found the correct number. The first agent that I spoke with advised that they changed extensions and that she had no idea who XXXX was. I explained my situation and she asked for the CFPB complaint number and she then found the correct extension for him. She tried to reach him and told me that he said for me to leave a message for him and he'd call me back. That was about 3 weeks ago. I still haven't heard back from him. So I called the Executive offices back on XX/XX/20 and spoke to a completely different agent who assured me that everything was good to go. That my daughter and I were both clear to open any XXXX banking accounts. I'd received an offer via mail and in the app for a promotional amount of {$500.00} to open both a checking and savings together. My first attempt was on XX/XX/20 online, via the app, after speaking with the agent. It was denied so I called to find out why and was advised to step into a branch and they could further assist me and advise why I was denied. I was advised to step into a branch with a valid state issued id or driver 's license. I made an appointment for Friday, XX/XX/20 at the XXXX located at XXXX XXXX XXXX. I waited over an hour and finally the Branch Manager XXXX XXXX, called me at XXXX but by that time I needed to leave because I had another engagement. He rescheduled me for Monday, XX/XX/20 at the same time and assured me that I'd be seen on time. I arrived for my appointment but he wasn't present. So at about XXXX XXXX a representative named XXXX XXXX assisted me. I continued to advise them that my credit had already been ran and that I was advised to step into the branch to find out the reasons for denial. They assured me that they didn't have access to the denial but could make another attempt to open my account. I gave them my driver 's license and my XXXX XXXX Credit card for proof of identity. They were successful in opening both accounts. During the sitting, they asked me questions to verify my identity, made a copy of my driver 's license, requested my contact information such as address, phone number, email, etc ... At the end, when reviewing my documents, I noticed other phone numbers that I've either never seen before, belonged to my daughter, my dad or my grandmother listed on my profile. I'm not sure why their information would be listed with mine BUT, I asked XXXX what was the point of asking me for my contact information if it wasn't going to be updated properly? She said that since it was already there, she didn't remove it. I asked how would this information be listed on a NEW account? If I hadn't provided it to her? She got upset because I told her to remove it all. Remove everything except for the information that I provided for ME! I said this is how people 's identity 's get stolen. AGENT MISTAKES! Agents don't care to do their job properly. If I gave you ONE PHONE NUMBER, ONE ADDRESS AND NO EMPLOYER, then that's exactly what should be listed on MY account! Not somebody's else 's contact information. After she updated everything, I asked if I'd get a temporary debit card so that I could make deposits, etc on the account to fulfill the agreement of the terms for me to get the {$500.00} bonus. She said no, they don't give temporary cards out anymore. I'd run out of time because the process had taken more than an hour and I had a client waiting for me. On the following dates, I returned to the same branch with my driver 's license to make deposits with a teller into my new savings account ... XXXX cash deposit of {$200.00}! On XX/XX/20, I asked to make TWO separate deposits ONE CASH deposit of {$200.00} AND A  SECOND DEPOSIT OF {$460.00} because I had several smaller checks that I hadn't cashed that I didn't want to be placed on hold. I wanted to make the cash deposit first so that it would be enough money in the savings account to cover the items to prevent the checks from being placed on an extended hold. The lady split it up into 3 transactions instead. She did it how she wanted instead of how I requested. ANOTHER agent who didn't care about the customer 's request! Typical XXXX employee huh? XX/XX/20 cash deposit of {$400.00}. So my total, Savings account balance reflecting online is XXXX. On XX/XX/20, I opened an envelope that included my debit card. On XX/XX/20, I activated the card so that I could make drive up atm transactions instead of having to wait in longer lines inside of the branch waiting for teller assistance. I also wanted to ensure that the activation was processed and that both accounts were linked to the card so, I attempted a {$500.00} transaction to another bank account using the debit card, it said that the card was inactive. I then went online and tried to transfer {$500.00} from savings to checking and the system reflected that I had no active accounts. I immediately called XXXX and was informed that my accounts were placed on hold on XX/XX/20. I asked why and the agent referred me to call the operations loss prevention fraud hotline at XXXX. It was after XXXX XXXX so I wasn't able to speak to anyone. I asked her WHY would my accounts be placed on hold if I have done NOTHING? And EVERY transaction was submitted in a BRANCH with a teller? She apologized so many times that it XXXX me off even more because she knew that it was some XXXX XXXXXXXX! I received NO PHONE CALLS OR WARNINGS ABOUT THIS! I then check all of my unopened mail only to find a letter dated for XX/XX/20, ONE DAY AFTER ACCOUNT OPENING, BUT DATE STAMPED OR POSTMARKED FOR XX/XX/20 ADVISING ME TO CONTACT THEM VIA PHONE, BY STEPPING INTO A BRANCH BEFORE XX/XX/20 TO VERIFY THAT IT WAS ME WHO ACTUALLY OPENED THE ACCOUNTS OR THE ACOUNTS WOULD BE CLOSED! So I'm extremely XXXX because 1. the accounts were opened at a branch who already verified my identity! 2. the bank is holding my money that I deposited ALSO AT A BRANCH WHO VERIFIED MY IDENTITY. 3. PLACED A HOLD ON THE ACCOUNTS BEFORE XX/XX/20! 4. the bank NEVER attempted to CALL me regarding this BUT called me for other miscellaneous, UNIMPORTANT information! I am requesting that the hold is lifted IMMEDIATELY ON BOTH ACCOUNTS! THAT THIS BANK FIX IT'S PROBLEMS AND COUNTLESS ERRORS! That I am provided the {$500.00} bonus automatically due to their COUNTLESS inconveniences! That I am no longer required to deposit {$15000.00} into the savings or setup direct deposit for the checking! That all monthly service charges or fees are waived for the duration life of the accounts being active because now I don't trust them to do what they're supposed to do! {$1200.00} is a lot of money to play with BUT imagine them playing with {$15000.00}? I would totally lose it! They want me to deposit {$15000.00} which I was in the processing of doing only for them to make up some more XXXX XXXXXXXX and excuses to hold my money and accounts! They make the MOST mistakes and have no empathy or compassion for the lives that they are ruining! TAKE THE HOLD OFF OF MY ACCOUNTS NOW! DEPOSIT THE {$500.00} BONUS MONEY INTO MY ACCOUNTS NOW! ADD A FEE WAIVER ON MY ACCOUNTS TO PREVENT ANY FEES FROM BEING ASSESSED OR CHARGED FOR THE MINIMUM BALANCE NOT BEING MET DUE TO YOUR ERRORS! I HAVE ALREADY SUBMITTED THE REQUEST TO CANCEL MY DIRECT DEPOSIT TO CHECKING!","date_sent_to_company":"2020-10-21T16:31:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60707","tags":null,"has_narrative":true,"complaint_id":"3910541","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-10-21T16:31:19.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["I asked her WHY would my <em>accounts</em> be placed on hold if I have done NOTHING? And EVERY transaction was submitted in a BRANCH with a teller? She apologized so many times that it XXXX me off even more because she knew that it was some XXXX XXXXXXXX! I received NO PHONE CALLS OR <em>WARNINGS</em> ABOUT THIS!"]},"sort":[5.7341332,"3910541"]},{"_index":"complaint-public-v1","_id":"3911045","_score":5.7339096,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/20, I called the CFPB and filed complaint # XXXX because my daughter and I who have the same first name, but different last names tried to open accounts and they had us in their systems as the same person. We were considered aliases of each other. Every time we've tried to explain or clear things up we were transferred to voicemails, the fraud department, operations loss prevention only to receive no answers and no assistance. After filing the complaint, I received a call from XXXX from the Chase Executive Offices on XX/XX/20 at XXXX XXXX  He left a voicemail advising that he'd completed the investigation, updated my credit reports to reflect paid on time as agreed, verified that there are no accounts in neither my daughter or my name. He claimed that he couldn't even find a profile for either of us other than my credit card account. Which all of my children are authorized on. However, the credit card account still isn't being reported correctly and on time to all of the credit bureau 's for my children and I. In fact, the account has either never reported for some of them or was removed from some of their credit reports. They even removed XXXX of my children for some unknown and unadvised reason so I had to add him back. I have called the number that XXXX left on my voicemail XXXX but continue to get a voicemail stating that inbound sales is not available. After leaving several messages, I learned that it's not a Chase number. I still have the voicemail to verify the number that he left for me to call. So eventually, I googled the Executive Offices and found the correct number. The first agent that I spoke with advised that they changed extensions and that she had no idea who XXXX was. I explained my situation and she asked for the CFPB complaint number and she then found the correct extension for him. She tried to reach him and told me that he said for me to leave a message for him and he'd call me back. That was about 3 weeks ago. I still haven't heard back from him. So I called the Executive offices back on XX/XX/20 and spoke to a completely different agent who assured me that everything was good to go. That my daughter and I were both clear to open any Chase banking accounts. I'd received an offer via mail and in the app for a promotional amount of {$500.00} to open both a checking and savings together. My first attempt was on XX/XX/20 online, via the app, after speaking with the agent. It was denied so I called to find out why and was advised to step into a branch and they could further assist me and advise why I was denied. I was advised to step into a branch with a valid state issued id or driver 's license. I made an appointment for Friday, XX/XX/20 at the Chase located at XXXX XXXX XXXX. I waited over an hour and finally the Branch Manager XXXX XXXX, called me at XXXX but by that time I needed to leave because I had another engagement. He rescheduled me for Monday, XX/XX/20 at the same time and assured me that I'd be seen on time. I arrived for my appointment but he wasn't present. So at about XXXX XXXX a representative named XXXX XXXX assisted me. I continued to advise them that my credit had already been ran and that I was advised to step into the branch to find out the reasons for denial. They assured me that they didn't have access to the denial but could make another attempt to open my account. I gave them my driver 's license and my Chase Freedom Credit card for proof of identity. They were successful in opening both accounts. During the sitting, they asked me questions to verify my identity, made a copy of my driver 's license, requested my contact information such as address, phone number, email, etc ... At the end, when reviewing my documents, I noticed other phone numbers that I've either never seen before, belonged to my daughter, my dad or my grandmother listed on my profile. I'm not sure why their information would be listed with mine BUT, I asked XXXX what was the point of asking me for my contact information if it wasn't going to be updated properly? She said that since it was already there, she didn't remove it. I asked how would this information be listed on a NEW account? If I hadn't provided it to her? She got upset because I told her to remove it all. Remove everything except for the information that I provided for ME! I said this is how people 's identity 's get stolen. AGENT MISTAKES! Agents don't care to do their job properly. If I gave you XXXX PHONE NUMBER, XXXX ADDRESS AND NO EMPLOYER, then that's exactly what should be listed on MY account! Not somebody's else 's contact information. After she updated everything, I asked if I'd get a temporary debit card so that I could make deposits, etc on the account to fulfill the agreement of the terms for me to get the {$500.00} bonus. She said no, they don't give temporary cards out anymore. I'd run out of time because the process had taken more than an hour and I had a client waiting for me. On the following dates, I returned to the same branch with my driver 's license to make deposits with a teller into my new savings account ... XXXX cash deposit of {$200.00}! On XX/XX/20, I asked to make TWO separate deposits ONE CASH deposit of {$200.00} AND A SECOND DEPOSIT OF {$460.00} because I had several smaller checks that I hadn't cashed that I didn't want to be placed on hold. I wanted to make the cash deposit first so that it would be enough money in the savings account to cover the items to prevent the checks from being placed on an extended hold. The lady split it up into 3 transactions instead. She did it how she wanted instead of how I requested. ANOTHER agent who didn't care about the customer 's request! Typical Chase employee huh? XX/XX/20 cash deposit of {$400.00}. So my total, Savings account balance reflecting online is XXXX. On XX/XX/20, I opened an envelope that included my debit card. On XX/XX/20, I activated the card so that I could make drive up atm transactions instead of having to wait in longer lines inside of the branch waiting for teller assistance. I also wanted to ensure that the activation was processed and that both accounts were linked to the card so, I attempted a {$500.00} transaction to another bank account using the debit card, it said that the card was inactive. I then went online and tried to transfer {$500.00} from savings to checking and the system reflected that I had no active accounts. I immediately called Chase and was informed that my accounts were placed on hold on XX/XX/20. I asked why and the agent referred me to call the operations loss prevention fraud hotline at XXXX. It was after XXXX XXXX so I wasn't able to speak to anyone. I asked her WHY would my accounts be placed on hold if I have done NOTHING? And EVERY transaction was submitted in a BRANCH with a teller? She apologized so many times that it XXXX me off even more because she knew that it was some XXXX  XXXX! I received NO PHONE CALLS OR WARNINGS ABOUT THIS! I then check all of my unopened mail only to find a letter dated for XX/XX/20, XXXX DAY AFTER ACCOUNT OPENING, BUT DATE STAMPED OR POSTMARKED FOR XX/XX/20 ADVISING ME TO CONTACT THEM VIA PHONE, BY STEPPING INTO A BRANCH BEFORE XX/XX/20 TO VERIFY THAT IT WAS ME WHO ACTUALLY OPENED THE ACCOUNTS OR THE ACOUNTS WOULD BE CLOSED! So I'm extremely XXXX because 1. the accounts were opened at a branch who already verified my identity! 2. the bank is holding my money that I deposited ALSO AT A BRANCH WHO VERIFIED MY IDENTITY. 3. PLACED A HOLD ON THE ACCOUNTS BEFORE XX/XX/20! 4. the bank NEVER attempted to CALL me regarding this BUT called me for other miscellaneous, UNIMPORTANT information! I am requesting that the hold is lifted IMMEDIATELY ON BOTH ACCOUNTS! THAT THIS BANK FIX IT'S PROBLEMS AND COUNTLESS ERRORS! That I am provided the {$500.00} bonus automatically due to their COUNTLESS inconveniences! That I am no longer required to deposit {$15000.00} into the savings or setup direct deposit for the checking! That all monthly service charges or fees are waived for the duration life of the accounts being active because now I don't trust them to do what they're supposed to do! {$1200.00} is a lot of money to play with BUT imagine them playing with {$15000.00}? I would totally lose it! They want me to deposit {$15000.00} which I was in the processing of doing only for them to make up some more XXXX XXXX and excuses to hold my money and accounts! They make the MOST mistakes and have no empathy or compassion for the lives that they are ruining! TAKE THE HOLD OFF OF MY ACCOUNTS NOW! DEPOSIT THE {$500.00} BONUS MONEY INTO MY ACCOUNTS NOW! ADD A FEE WAIVER ON MY ACCOUNTS TO PREVENT ANY FEES FROM BEING ASSESSED OR CHARGED FOR THE MINIMUM BALANCE NOT BEING MET DUE TO YOUR ERRORS! I HAVE ALREADY SUBMITTED THE REQUEST TO CANCEL MY DIRECT DEPOSIT TO CHECKING!","date_sent_to_company":"2020-10-21T16:31:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60707","tags":null,"has_narrative":true,"complaint_id":"3911045","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-10-21T16:21:00.000Z","state":"IL","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["I asked her WHY would my <em>accounts</em> be placed on hold if I have done NOTHING? And EVERY transaction was submitted in a BRANCH with a teller? She apologized so many times that it XXXX me off even more because she knew that it was some XXXX  XXXX! I received NO PHONE CALLS OR <em>WARNINGS</em> ABOUT THIS!"]},"sort":[5.7339096,"3911045"]},{"_index":"complaint-public-v1","_id":"3910536","_score":5.7289963,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/20, I called the CFPB and filed complaint # XXXX because my daughter and I who have the same first name, but different last names tried to open accounts and they had us in their systems as the same person. We were considered aliases of each other. Every time we've tried to explain or clear things up we were transferred to voicemails, the fraud department, operations loss prevention only to receive no answers and no assistance. After filing the complaint, I received a call from XXXX from the Chase Executive Offices on XX/XX/20 at XXXXXXXX XXXX. He left a voicemail advising that he'd completed the investigation, updated my credit reports to reflect paid on time as agreed, verified that there are no accounts in neither my daughter or my name. He claimed that he couldn't even find a profile for either of us other than my credit card account. Which all of my children are authorized on. However, the credit card account still isn't being reported correctly and on time to all of the credit bureau 's for my children and I. In fact, the account has either never reported for some of them or was removed from some of their credit reports. They even removed XXXX of my children for some unknown and unadvised reason so I had to add him back. I have called the number that XXXX left on my voicemail XXXX but continue to get a voicemail stating that inbound sales is not available. After leaving several messages, I learned that it's not a Chase number. I still have the voicemail to verify the number that he left for me to call. So eventually, I googled the Executive Offices and found the correct number. The first agent that I spoke with advised that they changed extensions and that she had no idea who XXXX was. I explained my situation and she asked for the CFPB complaint number and she then found the correct extension for him. She tried to reach him and told me that he said for me to leave a message for him and he'd call me back. That was about 3 weeks ago. I still haven't heard back from him. So I called the Executive offices back on XX/XX/20 and spoke to a completely different agent who assured me that everything was good to go. That my daughter and I were both clear to open any Chase banking accounts. I'd received an offer via mail and in the app for a promotional amount of {$500.00} to open both a checking and savings together. My first attempt was on XX/XX/20 online, via the app, after speaking with the agent. It was denied so I called to find out why and was advised to step into a branch and they could further assist me and advise why I was denied. I was advised to step into a branch with a valid state issued id or driver 's license. I made an appointment for Friday, XX/XX/20 at the Chase located at XXXX XXXX XXXX. I waited over an hour and finally the Branch Manager XXXX XXXX, called me at XXXX but by that time I needed to leave because I had another engagement. He rescheduled me for Monday, XX/XX/20 at the same time and assured me that I'd be seen on time. I arrived for my appointment but he wasn't present. So at about XXXX XXXX a representative named XXXX XXXX assisted me. I continued to advise them that my credit had already been ran and that I was advised to step into the branch to find out the reasons for denial. They assured me that they didn't have access to the denial but could make another attempt to open my account. I gave them my driver 's license and my Chase Freedom Credit card for proof of identity. They were successful in opening both accounts. During the sitting, they asked me questions to verify my identity, made a copy of my driver 's license, requested my contact information such as address, phone number, email, etc ... At the end, when reviewing my documents, I noticed other phone numbers that I've either never seen before, belonged to my daughter, my dad or my grandmother listed on my profile. I'm not sure why their information would be listed with mine BUT, I asked XXXX what was the point of asking me for my contact information if it wasn't going to be updated properly? She said that since it was already there, she didn't remove it. I asked how would this information be listed on a NEW account? If I hadn't provided it to her? She got upset because I told her to remove it all. Remove everything except for the information that I provided for ME! I said this is how people 's identity 's get stolen. AGENT MISTAKES! Agents don't care to do their job properly. If I gave you ONE PHONE NUMBER, ONE ADDRESS AND NO EMPLOYER, then that's exactly what should be listed on MY account! Not somebody's else 's contact information. After she updated everything, I asked if I'd get a temporary debit card so that I could make deposits, etc on the account to fulfill the agreement of the terms for me to get the {$500.00} bonus. She said no, they don't give temporary cards out anymore. I'd run out of time because the process had taken more than an hour and I had a client waiting for me. On the following dates, I returned to the same branch with my driver 's license to make deposits with a teller into my new savings account ... XXXX cash deposit of {$200.00}! On XX/XX/20, I asked to make TWO separate deposits ONE CASH deposit of {$200.00} AND A SECOND DEPOSIT OF {$460.00} because I had several smaller checks that I hadn't cashed that I didn't want to be placed on hold. I wanted to make the cash deposit first so that it would be enough money in the savings account to cover the items to prevent the checks from being placed on an extended hold. The lady split it up into 3 transactions instead. She did it how she wanted instead of how I requested. ANOTHER agent who didn't care about the customer 's request! Typical Chase employee huh? XX/XX/20 cash deposit of {$400.00}. So my total, Savings account balance reflecting online is XXXX. On XX/XX/20, I opened an envelope that included my debit card. On XX/XX/20, I activated the card so that I could make drive up atm transactions instead of having to wait in longer lines inside of the branch waiting for teller assistance. I also wanted to ensure that the activation was processed and that both accounts were linked to the card so, I attempted a {$500.00} transaction to another bank account using the debit card, it said that the card was inactive. I then went online and tried to transfer {$500.00} from savings to checking and the system reflected that I had no active accounts. I immediately called Chase and was informed that my accounts were placed on hold on XX/XX/20. I asked why and the agent referred me to call the operations loss prevention fraud hotline at XXXX. It was after XXXX XXXX so I wasn't able to speak to anyone. I asked her WHY would my accounts be placed on hold if I have done NOTHING? And EVERY transaction was submitted in a BRANCH with a teller? She apologized so many times that it XXXX me off even more because she knew that it was some XXXX  XXXX! I received NO PHONE CALLS OR WARNINGS ABOUT THIS! I then check all of my unopened mail only to find a letter dated for XX/XX/20, ONE DAY AFTER ACCOUNT OPENING, BUT DATE STAMPED OR POSTMARKED FOR XX/XX/20 ADVISING ME TO CONTACT THEM VIA PHONE, BY STEPPING INTO A BRANCH BEFORE XX/XX/20 TO VERIFY THAT IT WAS ME WHO ACTUALLY OPENED THE ACCOUNTS OR THE ACOUNTS WOULD BE CLOSED! So I'm extremely XXXX because 1. the accounts were opened at a branch who already verified my identity! 2. the bank is holding my money that I deposited ALSO AT A BRANCH WHO VERIFIED MY IDENTITY. 3. PLACED A HOLD ON THE ACCOUNTS BEFORE XX/XX/20! 4. the bank NEVER attempted to CALL me regarding this BUT called me for other miscellaneous, UNIMPORTANT information! I am requesting that the hold is lifted IMMEDIATELY ON BOTH ACCOUNTS! THAT THIS BANK FIX IT'S PROBLEMS AND COUNTLESS ERRORS! That I am provided the {$500.00} bonus automatically due to their COUNTLESS inconveniences! That I am no longer required to deposit {$15000.00} into the savings or setup direct deposit for the checking! That all monthly service charges or fees are waived for the duration life of the accounts being active because now I don't trust them to do what they're supposed to do! {$1200.00} is a lot of money to play with BUT imagine them playing with {$15000.00}? I would totally lose it! They want me to deposit {$15000.00} which I was in the processing of doing only for them to make up some more XXXX XXXX and excuses to hold my money and accounts! They make the MOST mistakes and have no empathy or compassion for the lives that they are ruining! TAKE THE HOLD OFF OF MY ACCOUNTS NOW! DEPOSIT THE {$500.00} BONUS MONEY INTO MY ACCOUNTS NOW! ADD A FEE WAIVER ON MY ACCOUNTS TO PREVENT ANY FEES FROM BEING ASSESSED OR CHARGED FOR THE MINIMUM BALANCE NOT BEING MET DUE TO YOUR ERRORS! I HAVE ALREADY SUBMITTED THE REQUEST TO CANCEL MY DIRECT DEPOSIT TO CHECKING!","date_sent_to_company":"2020-10-21T16:20:12.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"60707","tags":null,"has_narrative":true,"complaint_id":"3910536","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-10-21T16:15:49.000Z","state":"IL","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I asked her WHY would my <em>accounts</em> be placed on hold if I have done NOTHING? And EVERY transaction was submitted in a BRANCH with a teller? She apologized so many times that it XXXX me off even more because she knew that it was some XXXX  XXXX! I received NO PHONE CALLS OR <em>WARNINGS</em> ABOUT THIS!"],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[5.7289963,"3910536"]},{"_index":"complaint-public-v1","_id":"3910518","_score":5.7289963,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/20, I called the CFPB and filed complaint # XXXX because my daughter and I who have the same first name, but different last names tried to open accounts and they had us in their systems as the same person. We were considered aliases of each other. Every time we've tried to explain or clear things up we were transferred to voicemails, the fraud department, operations loss prevention only to receive no answers and no assistance. After filing the complaint, I received a call from XXXX from the Chase Executive Offices on XX/XX/20 at XXXX XXXX. He left a voicemail advising that he'd completed the investigation, updated my credit reports to reflect paid on time as agreed, verified that there are no accounts in neither my daughter or my name. He claimed that he couldn't even find a profile for either of us other than my credit card account. Which all of my children are authorized on. However, the credit card account still isn't being reported correctly and on time to all of the credit bureau 's for my children and I. In fact, the account has either never reported for some of them or was removed from some of their credit reports. They even removed one of my children for some unknown and unadvised reason so I had to add him back. I have called the number that XXXX left on my voicemail XXXX but continue to get a voicemail stating that inbound sales is not available. After leaving several messages, I learned that it's not a Chase number. I still have the voicemail to verify the number that he left for me to call. So eventually, I XXXX   the Executive Offices and found the correct number. The first agent that I spoke with advised that they changed extensions and that she had no idea who XXXX was. I explained my situation and she asked for the CFPB complaint number and she then found the correct extension for him. She tried to reach him and told me that he said for me to leave a message for him and he'd call me back. That was about 3 weeks ago. I still haven't heard back from him. So I called the Executive offices back on XX/XX/20 and spoke to a completely different agent who assured me that everything was good to go. That my daughter and I were both clear to open any Chase banking accounts. I'd received an offer via mail and in the app for a promotional amount of {$500.00} to open both a checking and savings together. My first attempt was on XX/XX/20 online, via the app, after speaking with the agent. It was denied so I called to find out why and was advised to step into a branch and they could further assist me and advise why I was denied. I was advised to step into a branch with a valid state issued id or driver 's license. I made an appointment for Friday, XX/XX/20 at the Chase located at XXXX XXXX XXXX. I waited over an hour and finally the Branch Manager XXXX XXXX, called me at XXXX but by that time I needed to leave because I had another engagement. He rescheduled me for Monday, XX/XX/20 at the same time and assured me that I'd be seen on time. I arrived for my appointment but he wasn't present. So at about XXXX XXXX a representative named XXXX XXXX assisted me. I continued to advise them that my credit had already been ran and that I was advised to step into the branch to find out the reasons for denial. They assured me that they didn't have access to the denial but could make another attempt to open my account. I gave them my driver 's license and my Chase Freedom Credit card for proof of identity. They were successful in opening both accounts. During the sitting, they asked me questions to verify my identity, made a copy of my driver 's license, requested my contact information such as address, phone number, email, etc ... At the end, when reviewing my documents, I noticed other phone numbers that I've either never seen before, belonged to my daughter, my dad or my grandmother listed on my profile. I'm not sure why their information would be listed with mine BUT, I asked XXXX what was the point of asking me for my contact information if it wasn't going to be updated properly? She said that since it was already there, she didn't remove it. I asked how would this information be listed on a NEW account? If I hadn't provided it to her? She got upset because I told her to remove it all. Remove everything except for the information that I provided for ME! I said this is how people 's identity 's get stolen. AGENT MISTAKES! Agents don't care to do their job properly. If I gave you ONE PHONE NUMBER, ONE ADDRESS AND NO EMPLOYER, then that's exactly what should be listed on MY account! Not somebody's else 's contact information. After she updated everything, I asked if I'd get a temporary debit card so that I could make deposits, etc on the account to fulfill the agreement of the terms for me to get the {$500.00} bonus. She said no, they don't give temporary cards out anymore. I'd run out of time because the process had taken more than an hour and I had a client waiting for me. On the following dates, I returned to the same branch with my driver 's license to make deposits with a teller into my new savings account ... XXXX cash deposit of {$200.00}! On XX/XX/20, I asked to make TWO separate deposits ONE CASH deposit of {$200.00} AND A SECOND DEPOSIT OF {$460.00} because I had several smaller checks that I hadn't cashed that I didn't want to be placed on hold. I wanted to make the cash deposit first so that it would be enough money in the savings account to cover the items to prevent the checks from being placed on an extended hold. The lady split it up into 3 transactions instead. She did it how she wanted instead of how I requested. ANOTHER agent who didn't care about the customer 's request! Typical Chase employee huh? XX/XX/20 cash deposit of {$400.00}. So my total, Savings account balance reflecting online is XXXX. On XX/XX/20, I opened an envelope that included my debit card. On XX/XX/20, I activated the card so that I could make drive up atm transactions instead of having to wait in longer lines inside of the branch waiting for teller assistance. I also wanted to ensure that the activation was processed and that both accounts were linked to the card so, I attempted a {$500.00} transaction to another bank account using the debit card, it said that the card was inactive. I then went online and tried to transfer {$500.00} from savings to checking and the system reflected that I had no active accounts. I immediately called Chase and was informed that my accounts were placed on hold on XX/XX/20. I asked why and the agent referred me to call the operations loss prevention fraud hotline at XXXX. It was after XXXX XXXX so I wasn't able to speak to anyone. I asked her WHY would my accounts be placed on hold if I have done NOTHING? And EVERY transaction was submitted in a BRANCH with a teller? She apologized so many times that it XXXX me off even more because she knew that it was some XXXX  XXXX! I received NO PHONE CALLS OR WARNINGS ABOUT THIS! I then check all of my unopened mail only to find a letter dated for XX/XX/20, ONE DAY AFTER ACCOUNT OPENING, BUT DATE STAMPED OR POSTMARKED FOR XX/XX/20 ADVISING ME TO CONTACT THEM VIA PHONE, BY STEPPING INTO A BRANCH BEFORE XX/XX/20 TO VERIFY THAT IT WAS ME WHO ACTUALLY OPENED THE ACCOUNTS OR THE ACOUNTS WOULD BE CLOSED! So I'm extremely XXXX because 1. the accounts were opened at a branch who already verified my identity! 2. the bank is holding my money that I deposited ALSO AT A BRANCH WHO VERIFIED MY IDENTITY. 3. PLACED A HOLD ON THE ACCOUNTS BEFORE XX/XX/20! 4. the bank NEVER attempted to CALL me regarding this BUT called me for other miscellaneous, UNIMPORTANT information! I am requesting that the hold is lifted IMMEDIATELY ON BOTH ACCOUNTS! THAT THIS BANK FIX IT'S PROBLEMS AND COUNTLESS ERRORS! That I am provided the {$500.00} bonus automatically due to their COUNTLESS inconveniences! That I am no longer required to deposit {$15000.00} into the savings or setup direct deposit for the checking! That all monthly service charges or fees are waived for the duration life of the accounts being active because now I don't trust them to do what they're supposed to do! {$1200.00} is a lot of money to play with BUT imagine them playing with {$15000.00}? I would totally lose it! They want me to deposit {$15000.00} which I was in the processing of doing only for them to make up some more XXXX  XXXX and excuses to hold my money and accounts! They make the MOST mistakes and have no empathy or compassion for the lives that they are ruining! TAKE THE HOLD OFF OF MY ACCOUNTS NOW! DEPOSIT THE {$500.00} BONUS MONEY INTO MY ACCOUNTS NOW! ADD A FEE WAIVER ON MY ACCOUNTS TO PREVENT ANY FEES FROM BEING ASSESSED OR CHARGED FOR THE MINIMUM BALANCE NOT BEING MET DUE TO YOUR ERRORS! I HAVE ALREADY SUBMITTED THE REQUEST TO CANCEL MY DIRECT DEPOSIT TO CHECKING!","date_sent_to_company":"2020-10-21T16:14:48.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"60707","tags":null,"has_narrative":true,"complaint_id":"3910518","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-10-21T14:01:44.000Z","state":"IL","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I asked her WHY would my <em>accounts</em> be placed on hold if I have done NOTHING? And EVERY transaction was submitted in a BRANCH with a teller? She apologized so many times that it XXXX me off even more because she knew that it was some XXXX  XXXX! I received NO PHONE CALLS OR <em>WARNINGS</em> ABOUT THIS!"],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Savings <em>account</em>"]},"sort":[5.7289963,"3910518"]},{"_index":"complaint-public-v1","_id":"3910543","_score":5.72326,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/20, I called the CFPB and filed complaint # XXXX because my daughter and I who have the same first name, but different last names tried to open accounts and they had us in their systems as the same person. We were considered aliases of each other. Every time we've tried to explain or clear things up we were transferred to voicemails, the fraud department, operations loss prevention only to receive no answers and no assistance. After filing the complaint, I received a call from XXXX from the XXXX Executive Offices on XX/XX/20 at XXXX XXXX. He left a voicemail advising that he'd completed the investigation, updated my credit reports to reflect paid on time as agreed, verified that there are no accounts in neither my daughter or my name. He claimed that he couldn't even find a profile for either of us other than my credit card account. Which all of my children are authorized on. However, the credit card account still isn't being reported correctly and on time to all of the credit bureau 's for my children and I. In fact, the account has either never reported for some of them or was removed from some of their credit reports. They even removed one of my children for some unknown and unadvised reason so I had to add him back. I have called the number that XXXX left on my voicemail XXXX but continue to get a voicemail stating that inbound sales is not available. After leaving several messages, I learned that it's not a XXXX number. I still have the voicemail to verify the number that he left for me to call. So eventually, I XXXX the Executive Offices and found the correct number. The first agent that I spoke with advised that they changed extensions and that she had no idea who XXXX was. I explained my situation and she asked for the CFPB complaint number and she then found the correct extension for him. She tried to reach him and told me that he said for me to leave a message for him and he'd call me back. That was about 3 weeks ago. I still haven't heard back from him. So I called the Executive offices back on XX/XX/20 and spoke to a completely different agent who assured me that everything was good to go. That my daughter and I were both clear to open any XXXX banking accounts. I'd received an offer via mail and in the app for a promotional amount of {$500.00} to open both a checking and savings together. My first attempt was on XX/XX/20 online, via the app, after speaking with the agent. It was denied so I called to find out why and was advised to step into a branch and they could further assist me and advise why I was denied. I was advised to step into a branch with a valid state issued id or driver 's license. I made an appointment for Friday, XX/XX/20 at the XXXX located at XXXX XXXX XXXX. I waited over an hour and finally the Branch Manager XXXX XXXX, called me at XXXX but by that time I needed to leave because I had another engagement. He rescheduled me for Monday, XX/XX/20 at the same time and assured me that I'd be seen on time. I arrived for my appointment but he wasn't present. So at about XXXX XXXX a representative named XXXX XXXX assisted me. I continued to advise them that my credit had already been ran and that I was advised to step into the branch to find out the reasons for denial. They assured me that they didn't have access to the denial but could make another attempt to open my account. I gave them my driver 's license and my XXXX XXXX Credit card for proof of identity. They were successful in opening both accounts. During the sitting, they asked me questions to verify my identity, made a copy of my driver 's license, requested my contact information such as address, phone number, email, etc ... At the end, when reviewing my documents, I noticed other phone numbers that I've either never seen before, belonged to my daughter, my dad or my grandmother listed on my profile. I'm not sure why their information would be listed with mine BUT, I asked XXXX what was the point of asking me for my contact information if it wasn't going to be updated properly? She said that since it was already there, she didn't remove it. I asked how would this information be listed on a NEW account? If I hadn't provided it to her? She got upset because I told her to remove it all. Remove everything except for the information that I provided for ME! I said this is how people 's identity 's get stolen. AGENT MISTAKES! Agents don't care to do their job properly. If I gave you ONE PHONE NUMBER, ONE ADDRESS AND NO EMPLOYER, then that's exactly what should be listed on MY account! Not somebody's else 's contact information. After she updated everything, I asked if I'd get a temporary debit card so that I could make deposits, etc on the account to fulfill the agreement of the terms for me to get the {$500.00} bonus. She said no, they don't give temporary cards out anymore. I'd run out of time because the process had taken more than an hour and I had a client waiting for me. On the following dates, I returned to the same branch with my driver 's license to make deposits with a teller into my new savings account ... XXXX cash deposit of {$200.00}! On XX/XX/20, I asked to make TWO separate deposits ONE CASH deposit of {$200.00} AND A SECOND DEPOSIT OF {$460.00} because I had several smaller checks that I hadn't cashed that I didn't want to be placed on hold. I wanted to make the cash deposit first so that it would be enough money in the savings account to cover the items to prevent the checks from being placed on an extended hold. The lady split it up into 3 transactions instead. She did it how she wanted instead of how I requested. ANOTHER agent who didn't care about the customer 's request! Typical XXXX employee huh? XX/XX/20 cash deposit of {$400.00}. So my total, Savings account balance reflecting online is XXXX. On XX/XX/20, I opened an envelope that included my debit card. On XX/XX/20, I activated the card so that I could make drive up atm transactions instead of having to wait in longer lines inside of the branch waiting for teller assistance. I also wanted to ensure that the activation was processed and that both accounts were linked to the card so, I attempted a {$500.00} transaction to another bank account using the debit card, it said that the card was inactive. I then went online and tried to transfer {$500.00} from savings to checking and the system reflected that I had no active accounts. I immediately called XXXX and was informed that my accounts were placed on hold on XX/XX/20. I asked why and the agent referred me to call the operations loss prevention fraud hotline at XXXX. It was after XXXX XXXX  so I wasn't able to speak to anyone. I asked her WHY would my accounts be placed on hold if I have done NOTHING? And EVERY transaction was submitted in a BRANCH with a teller? She apologized so many times that it XXXX me off even more because she knew that it was some XXXX XXXXXXXX! I received NO PHONE CALLS OR WARNINGS ABOUT THIS! I then check all of my unopened mail only to find a letter dated for XX/XX/20, XXXX DAY AFTER ACCOUNT OPENING, BUT DATE STAMPED OR POSTMARKED FOR XX/XX/20 ADVISING ME TO CONTACT THEM VIA PHONE, BY STEPPING INTO A BRANCH BEFORE XX/XX/20 TO VERIFY THAT IT WAS ME WHO ACTUALLY OPENED THE ACCOUNTS OR THE ACOUNTS WOULD BE CLOSED! So I'm extremely XXXX because 1. the accounts were opened at a branch who already verified my identity! 2. the bank is holding my money that I deposited ALSO AT A BRANCH WHO VERIFIED MY IDENTITY. 3. PLACED A HOLD ON THE ACCOUNTS BEFORE XX/XX/20! 4. the bank NEVER attempted to CALL me regarding this BUT called me for other miscellaneous, UNIMPORTANT information! I am requesting that the hold is lifted IMMEDIATELY ON BOTH ACCOUNTS! THAT THIS BANK FIX IT'S PROBLEMS AND COUNTLESS ERRORS! That I am provided the {$500.00} bonus automatically due to their COUNTLESS inconveniences! That I am no longer required to deposit {$15000.00} into the savings or setup direct deposit for the checking! That all monthly service charges or fees are waived for the duration life of the accounts being active because now I don't trust them to do what they're supposed to do! {$1200.00} is a lot of money to play with BUT imagine them playing with {$15000.00}? I would totally lose it! They want me to deposit {$15000.00} which I was in the processing of doing only for them to make up some more XXXX  XXXX and excuses to hold my money and accounts! They make the MOST mistakes and have no empathy or compassion for the lives that they are ruining! TAKE THE HOLD OFF OF MY ACCOUNTS NOW! DEPOSIT THE {$500.00} BONUS MONEY INTO MY ACCOUNTS NOW! ADD A FEE WAIVER ON MY ACCOUNTS TO PREVENT ANY FEES FROM BEING ASSESSED OR CHARGED FOR THE MINIMUM BALANCE NOT BEING MET DUE TO YOUR ERRORS! I HAVE ALREADY SUBMITTED THE REQUEST TO CANCEL MY DIRECT DEPOSIT TO CHECKING!","date_sent_to_company":"2020-10-21T16:31:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60707","tags":null,"has_narrative":true,"complaint_id":"3910543","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-10-21T16:31:19.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["I asked her WHY would my <em>accounts</em> be placed on hold if I have done NOTHING? And EVERY transaction was submitted in a BRANCH with a teller? She apologized so many times that it XXXX me off even more because she knew that it was some XXXX XXXXXXXX! I received NO PHONE CALLS OR <em>WARNINGS</em> ABOUT THIS!"]},"sort":[5.72326,"3910543"]},{"_index":"complaint-public-v1","_id":"14284555","_score":5.5486755,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX Original Account Number is unknown DOB is XX/XX/XXXX, and the last 4 SSN is XXXX XXXXXXXX XXXX XXXX XXXXXXXX Litonia, GA XXXX Equifax : XXXX XXXX XXXX XXXXXXXX, GA XXXX Experian : XXXX XXXX XXXXXXXX, XXXX, TX XXXX TransUnion : XXXX XXXX XXXXXXXX, XXXX, PA XXXX Dear CFPB, FTC, and Credit Bureaus, I am writing to file a formal complaint against all three credit reporting agencies regarding identity theft. In XX/XX/XXXX, after discovering my identity had been stolen, I contacted all three credit reporting agencies, the original creditors, and the collection agencies. I also placed a freeze on my credit accounts and filed a police report. \n\nWith nearly 30 years of experience as a private investigator, primarily tracking fraud, I recognize the type of theft committed against me as synthetic identity theft or synthetic fraud. This form of identity theft involves fraudsters making minimum payments to gain more credit before eventually defaulting.\n\nI was severely injured with a XXXX XXXX, XXXX, ribs, and a XXXX XXXX XXXX, which resulted in two years of hospitalization for therapy, followed by an additional year due to XXXX, further surgeries, and therapy. Currently, I am still hospitalized with no set release date, which has significantly hindered my ability to communicate with the credit reporting agencies, as they only correspond by mail. Although I offered my medical information to them, they declined due to HIPAA. However, to prove my whereabouts for the past three years and resolve this nightmare, I am willing to provide your agency with access to my medical file. \n\nFurthermore, I can provide proof that my mail was compromised, including a letter from my bank stating that unknown individuals attempted to access my account from my cell phone number. The bank placed them on hold when they could not verify my password. They tried to reach me, but I was in the XXXX  at the time. My account was subsequently put on hold until I could speak with the bank and visit in person with my identification. My local branch, where I am well-known, can confirm the attempted identity theft on my account. My account was also linked for automatic payments on these fraudulent accounts, leading me to believe the two ladies hired to assist me for medical reasons had access to my address for the purpose of entering and cleaning. My home is equipped with 18 cameras that record 24/7, but footage must be backed up within seven days to avoid being recorded over.\n\n1. The account for XXXX XXXX XXXX has two different amounts listed on each report. ( XXXX ) They failed to validate the debt as requested in XXXX, and the original creditor failed to validate the dispute and the debt 2. XXXX XXXX XXXX XXXX failed to validate the debt for the XXXX XXXX, and the original creditor failed as well. XXXX  was removed from Trans Union but remains on the other agencies, with a threat to add it back onto TransUnion by the collection agency 3. XXXX XXXX and XXXX were opened by the same company. The collection agency failed to respond, and the original creditor failed to properly respond timely manner and based their findings on personal beliefs. \n4. My account with XXXX and XXXX  XXXX XXXX is the only account that belongs to me. XXXX  is not accurate for the three late payments. I spoke with them several times and have the recording with them stating it will be updated as pays as agree. My bank stopped the automatic payments after my account was flagged by the fraud department. It was money that ahd accumulated on XXXX ( for my XXXX XXXX XXXX ) that would have cleared the ayments. I was told not to worry because they cover me for ninety days.\n\n5. I am being penalized by the bureaus and they are accepting whatever creditors and collection agencies say with no valid information. None of the creditors original creditors or the collection agencies had provided me with validation of the debts or the 623 dispute and validation pursuant to the FCRA. I am also locked out of all my accounts oline and can not upload anything.\n\n6. Synthetic Identity Theft : 7. .Opens in new tab 8. This is a specific form of identity theft where fraudsters create a new identity by blending real and fabricated information.\n\n9.\n\n10. \" Clean '' Credit Building : 11. .Opens in new tab 12. The fraudsters may initially make small purchases and pay them off on time to establish a good credit score and build trust with the financial system.\n\n13.\n\n14. Defaulting on Larger Loans : 15. .Opens in new tab 16. Once a good credit history is established, the fraudsters will then attempt to obtain larger loans or credit lines, which they often default on, causing significant financial losses.\n\n17. This type of fraud is difficult to detect because it involves a combination of real and fake information, making it harder to trace back to a single individual.\n\n18. Other terms related to this type of fraud include : 19. Account Takeover : 20. .Opens in new tab 21. While this term refers to gaining control of an existing account, it can also be part of synthetic identity theft if the fraudulent account is created from scratch using a stolen identity.\n\n22. Payment Fraud : 23. .Opens in new tab 24. This is a broader term that encompasses any fraudulent activity involving payments, including synthetic identity theft.\n\n25. Address Fraud : This specific type of identity theft leverages the victim 's address for illegal activities. Examples include mail forwarding fraud, where mail is redirected to the fraudster, package interception after goods are ordered online with stolen credit card details, and using the address to open accounts or obtain credit in the victim 's name.\n\n26. Opening New Accounts or Making Purchases : Using the victim 's information to apply for credit cards, bank accounts, or loans, and potentially intercepting related mail.\n\n27. Other Schemes : The address can be used in various fraud schemes, such as bank account fraud, school enrollment fraud, or insurance fraud.\n\n28. Warning signs of address fraud or identity theft : 29. Receiving mail or packages not intended for you.\n\n30. Finding unfamiliar accounts or charges on your financial statements or credit report.\n\n31. Missing or tampered mail.\n\n32. Receiving debt collection notices for unknown accounts or loans.\n\n33. Unauthorized inquiries or new accounts on your credit report linked to your address.\n\n34. Lack of dedicated resources : White-collar crimes, including fraud, have historically received less attention and resources compared to violent crimes within victim advocacy and law enforcement.\n\n35. Victim vulnerability : handicap individuals, often targeted in financial fraud, who is barely home, and underreport their victimization.\n\nReasons Fraudulent Accounts Might Be Misidentified as Valid : Sophistication of Fraud Schemes : Modern fraud methods, such as synthetic identity theft, can be incredibly complex and difficult for investigators to detect.\n\nData Limitations and Inconsistencies : Lack of complete and accurate fraud data can make it hard to identify the total extent of fraudulent activity.\n\nAdministrative Errors : Processes for tracking and reporting fraud may have limitations, potentially leading to errors or delays in recognizing fraudulent accounts.\n\nConsequences for Victims : Financial Loss : Victims may face financial losses due to fraudulent transactions and damage to their credit history.\n\nEmotional and Psychological Distress : Victims often experience XXXX, XXXX, XXXX, and a sense of violation when their identity is compromised. \nDifficulties in Resolution : Correcting fraudulent accounts can be a challenging and time-consuming process.\n\nDebt Validation Requirement : The Fair Debt Collection Practices Act ( FDCPA ) and the CFPB 's Debt Collection Rule require debt collectors to provide consumers with specific information about the debt, known as \" validation information ''.\n\nTimeline for Providing Validation Information : Generally, this information should be provided in a written notice either as the initial communication or within five days of the debt collector 's first contact with the consumer.\n\nConsequences of Failure to Validate : Ceasing Collection Activities : If a debt collector fails to validate a debt when requested to do so within the specified time frame, they must cease collection activities.\n\nCFPB Enforcement Actions : The CFPB brings enforcement actions against companies that violate debt validation requirements, including failure to provide timely notices and mishandling disputes.\n\nConsumer Remedies : Consumers who are not provided timely debt validation or whose disputes are mishandled may be entitled to financial relief and potential lawsuits against the debt collector.\n\n15 U.S.C. 1692g The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer XXXX XXXX provided me a copy of the validation they claimed they sent on XX/XX/XXXX, which is not sufficient. Even if they allege they mailed it bills alone is not sufficient to validate the debt, which is probably why it was removed from once report. \nWhile copies of credit card billing statements can be a component of debt validation, they alone may not be sufficient to fulfill the requirements for validating a debt under the Fair Debt Collection Practices Act ( FDCPA ).\n\nWhat constitutes valid debt validation?\n\nDebt validation involves a debt collector providing clear and accurate documentation to prove that you owe a specific debt and they have the legal right to collect it. According to the FDCPA and related regulations, this documentation generally includes : A copy of the original credit agreement : This could be the original credit card agreement signed by you.\n\nDocumentation showing the collector 's right to pursue the debt : If the debt has been sold, this would include records demonstrating the chain of ownership.\n\nA detailed accounting of the total amount owed : This includes the original debt amount, interest, fees, payments, and credits since a specific date ( the \" itemization date '' ).\n\nDuty to Provide CRAs with Accurate Information Prohibition on Reporting Inaccurate Information. Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, it may not furnish information relating to a consumer to any CRA, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is, in fact, inaccurate.18 If the person does not specify such an address, the FCRA prohibits the person from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.19 The statute defines reasonable cause to believe that the information is inaccurate to mean having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.20 Duty to Promptly Correct and Update Information. Section 623 ( a ) of the FCRA also requires a person who regularly furnishes information to CRAs to promptly notify a CRA if the person determines the previously furnished information is not complete or accurate.21 The person must then provide corrected information and ensure it does not refurnish the incomplete or inaccurate information.\n\nDuty to Provide Notice of Dispute. If a consumer disputes the completeness or accuracy of furnished information, the furnisher must provide a notice of the dispute to the CRAs when furnishing the disputed information.22 Duty to Provide Notice of Accounts Closed Voluntarily. A person who regularly furnishes information to CRAs must notify the CRAs when a consumer voluntarily closes a credit account.23 This notice must be included in the information regularly furnished for the period in which the account is closed.\n\nDuty to Provide Dates of Delinquency. When an account is placed for collection, is charged to profit or loss, or a similar action is taken, and that delinquency is furnished to a CRA, the furnisher must notify the CRA of the date of delinquency on the account no later than 90 days after furnishing the information.24 This date is the month and year the account first becomes delinquent, not when the creditor places the account for collections, charges the account to profit or loss, or takes a similar action.25 Duty to Prevent Repollution of Consumer Reports. If a consumer submits an identity theft report to a furnisher indicating that furnished information resulted from identity theft, the furnisher must not report the information to the CRAs unless the furnisher subsequently knows or is informed by the consumer that the information is correct.26 In addition, furnishers are required to maintain reasonable procedures to respond to notifications from the CRAs relating to information that results from identify theft to prevent refurnishing this information.\n\nDuty to Provide the Customer with a Notice about Negative Information Duty to Provide a Notice to the Customer. If a financial institution that extends credit and regularly furnishes information to a nationwide CRA furnishes negative information to the CRAs about a credit extension, the financial institution must provide a clear and conspicuous written notice to the customer indicating that it furnished negative information to the CRAs.27 The term negative information means information concerning a customers delinquencies, late payments, insolvency, or any form of default.28 Timing of Notice. The financial institution must provide the notice to the customer no later than 30 days after furnishing the negative information to a CRA. After providing the notice, the financial institution is not required to send the customer additional notices if it furnishes additional negative information to the CRAs about the same transaction, credit extension, account, or customer.29 Format of Notice. The notice generally may be included on or with any notice of default, any billing statement, or any other materials provided to the customers ; however, if the notice is provided to the customer prior to furnishing the negative information to a CRA, the notice may not be included in the initial disclosures provided under Section 127 ( a ) of the Truth in Lending Act.30 Two model forms ( Model Notices of Furnishing Negative Information ) are available in Appendix B of Regulation V.31 Although use of the model forms is not required, a financial institution is deemed to comply with the requirements if it uses one of the model forms.32 Duty to Implement Reasonable Policies and Procedures Regulation V requires furnishers to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the consumer information furnished to CRAs.33 Accuracy means that the information the furnisher provides to a CRA correctly : Identifies the appropriate consumer ; Reflects the accounts terms and liability ; and Reflects the consumers performance with respect to the account.34 Integrity means the information the furnisher provides to a CRA : Is substantiated by the furnishers records at the time it is furnished ; Is in a form designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; Includes the information in the furnishers possession regarding the credit limit, if applicable ; and Includes any other information in the furnishers possession that the Bureau has determined the absence of which would likely be materially misleading in evaluating a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.35 Regulation V requires that the furnishers policies and procedures be appropriate to the nature, size, complexity, and scope of its activities.36 In developing the policies and procedures, a furnisher must consider the Interagency Guidelines Concerning the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies found in Appendix E of Regulation V ( Interagency Guidelines ), and incorporate those guidelines, as appropriate. Each furnisher must also review its policies and procedures periodically and update them as necessary to ensure their continued effectiveness.\n\nThe Interagency Guidelines include : Using standard data reporting formats and standard procedures for compiling and furnishing data, where feasible, such as electronic transmission of information about consumers to CRAs ; Deleting, updating, and correcting information in the furnishers records, as appropriate, to avoid furnishing inaccurate information ; Conducting reasonable investigations of disputes ; Establishing and implementing appropriate internal controls regarding the accuracy and integrity of information about consumers furnished to CRAs, such as by implementing standard procedures and verifying random samples of information provided to CRAs ; and Training staff that participates in activities related to the furnishing of information about consumers to CRAs.37 Duty to Investigate Disputes Filed Directly with the Furnisher The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the furnisher has or had with the consumer ( direct dispute ) .38 Covered Disputes. A furnisher is required to investigate if the dispute relates to : The consumers liability for a credit account or other debt with the furnisher ; The terms of a credit account or other debt with the furnisher ; The consumers performance or other conduct concerning an account or other relationship with the furnisher ; or Any other information contained in a consumer report for an account or other relationship with the furnisher that bears on the consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.39 The direct dispute rule does not apply if the dispute relates to the consumers identifying information, the identity of past or present employers, or inquiries or requests for a consumer report. It also does not apply to disputes relating to information that is derived from public records, provided to a CRA by another furnisher, or related to fraud alerts or active duty alerts.40 Finally, the rule does not apply if the furnisher has a reasonable belief that the direct dispute is submitted by a credit repair organization, is prepared on behalf of the consumer by a credit repair organization, or is submitted on a form supplied to the consumer by a credit repair organization.41 Consumers Obligation to Submit a Proper Notice of Dispute. A furnisher is required to investigate the dispute only if the consumer submitted the dispute notice to one of the following addresses : An address the furnisher provided that is listed on the consumer report ; An address the furnisher clearly and conspicuously identified for submitting direct disputes that is provided to the consumer in writing or, if the consumer agrees, electronically ; or If no address is specified, any business address of the furnisher.42 Moreover, the consumers dispute notice must include : Sufficient information to identify the account or other relationship in dispute ; The specific information being disputed ; An explanation of the basis for the dispute ; and All supporting documentation reasonably required by the furnisher to substantiate the basis of the dispute.43 Furnishers Duty to Investigate. Upon receiving a consumers proper notice of dispute, the furnisher must conduct a reasonable investigation of the dispute.44 The furnisher also must review all relevant information provided by the consumer with the dispute notice.\n\nThe furnisher has 30 days from the receipt of the dispute notice ( with the possibility for a 15-day extension under certain circumstances ) to complete the investigation and report the results to the consumer.45 If the furnisher finds that the information reported was inaccurate, the furnisher must promptly notify each CRA to which it provided the inaccurate information of the determination and provide the changes necessary to make the information accurate.46 Exception for Frivolous or Irrelevant Disputes. A furnisher is not required to investigate a direct dispute if the furnisher has reasonably determined that the dispute is frivolous or irrelevant.47 Under Regulation V, a dispute is frivolous or irrelevant if the dispute notice ( 1 ) does not contain sufficient information to investigate the dispute, ( 2 ) raises a dispute about information exempted from the rule, or ( 3 ) raises a dispute that is substantially the same as a dispute previously submitted by the consumer and resolved in accordance with the regulations. If the furnisher determines that a dispute is frivolous or irrelevant, the furnisher has five business days to notify the consumer of its determination. The notice must include the reasons for the determination and identify any information required to investigate the disputed information.\n\nDuty to Investigate Disputes Filed with CRAs The FCRA requires furnishers to investigate consumer disputes filed with the CRAs about information the furnishers provided.48 More specifically, when a furnisher receives notice from a CRA that a consumer disputes the completeness or accuracy of information the furnisher provided to the CRA , the furnisher must investigate the disputed information, review all relevant information the CRA provided, and report the results of its investigation to the CRA.49 If the furnisher determines the information it provided was incomplete or inaccurate, the furnisher must notify all nationwide CRAs to which the information was furnished of its findings.50 Finally, if the furnisher determines the disputed information is inaccurate or incomplete or can not be verified, the furnisher must promptly modify or delete the information or permanently block the reporting of that information.51 The furnisher generally has 30 days from the date the consumer filed the dispute with the CRA to complete its investigation and make appropriate notifications, but the investigation period may be extended an additional 15 days in some circumstances.52 EQUAL CREDIT OPPORTUNITY ACT/REGULATION B Regulation B, which implements the ECOA, imposes certain obligations on creditors that furnish credit information to CRAs.53 In addition, Regulation B prohibits discrimination on a prohibited basis regarding any aspect of a\ncredit transaction.54 At the federal level, the Board, FDIC, OCC, and NCUA have supervisory authority for ECOA and Regulation B for depository institutions with assets of {$10.00} XXXX or less.55 For depository institutions with assets over {$10.00} XXXX, the Bureau has this authority. Also, if any of these agencies has reason to believe that the creditor engaged in a pattern or practice of discrimination, then the agency must refer the matter to the U.S. Department of Justice.56 The Board has referred one matter involving discrimination on the basis of sex and marital status in credit reporting.57 In this matter, the creditor failed to provide information to CRAs about the payment history of spouses ( almost all of whom were women ) who were contractually obligated on the note.\n\nIn addition to the federal regulators, private plaintiffs have the right to file lawsuits under the ECOA.58 Violations of Regulation B can subject creditors to civil liability for actual and punitive damages in individual and class actions.59 If a furnisher fails to comply with the regulation because of an inadvertent error, there is no violation.60 The term inadvertent error means a mechanical, electronic, or clerical error that a creditor demonstrates was not intentional and occurred notwithstanding the maintenance of procedures reasonably adapted to avoid such errors,61 but it does not include an error of legal judgment.62 Upon discovering the error, the furnisher must correct it as soon as possible.\n\nCoverage Regulation B applies to a creditor, which is broadly defined to mean a person who, in the ordinary course of business, regularly participates in a credit decision, including setting the terms of the credit.63 The Official Staff Commentary to the regulation clarifies that the furnisher requirements only apply to consumer credit.64 Moreover, they apply only to creditors that opt to furnish credit information to CRAs or to other creditors ; a creditor is not required to furnish credit information on its accounts.\n\nDuties for Accounts Held or Used by Spouses Section 1002.10 of Regulation B imposes three obligations on creditors furnishing consumer credit information to the CRAs for accounts held or used by spouses.\n\nFirst, a creditor must designate accounts to reflect both spouses participation in the accounts in the following circumstances : For new accounts, when the spouse is an authorized user or is contractually liable on the account ( except as a guarantor, surety, endorser, or similar party ) ; and For existing accounts, when one of the spouses makes a written request to reflect both spouses participation on the account. In this situation, the furnisher must change the designation on the account within 90 days after receiving the written request.65 Second, when an account is designated to reflect the participation of both spouses, the creditor must furnish the information to the CRAs in a way that enables the CRAs to provide access to the information in the name of each spouse.66 Finally, if a creditor receives an inquiry about an account that reflects both spouses participating, the creditor must furnish the information in the name of the spouse for whom the information is requested.67 For example, if the inquiry concerns an account on which a husband and wife both participate, and the inquiry specifically is about the wife, the creditor must provide the information in the wifes name.\n\nProhibition on Discrimination In addition to the specific furnisher provisions, Regulation B broadly prohibits creditors from discriminating in any aspect of the credit transaction on any prohibited basis.68 The term credit transaction includes the furnishing of credit information.69 The term prohibited basis means race, color, religion, national origin, sex, marital status, or age ( provided that the applicant has the capacity to enter into a binding contract ) ; the applicants receipt of income, in whole or part, from any public assistance program ; or the applicants exercise in good faith of a right under the Consumer Credit Protection Act or any state law upon which an exemption has been granted by the [ Bureau ] .70 This general rule covers, for example, the administration of accounts and the treatment of delinquent or slow accounts.71 CONCLUSION Credit reports play an important role for consumers and creditors. Specific provisions of the CARES Act, the FCRA, Regulation V, the ECOA, and Regulation B are designed to ensure the fairness and accuracy of these reports. Financial institutions that furnish information to the CRAs should have adequate policies and procedures in place to ensure that they are complying with these requirements, including procedures to periodically test systems to verify compliance. Compliance with the credit reporting laws can promote fair and efficient access to credit, benefiting consumers and creditors alike. Specific questions should be addressed to your primary regulator.\n\nENDNOTES 1 Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., implemented in part by Regulation V, 12 C.F.R. Part 1022. Most of the furnisher requirements discussed in this article under Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) do not have implementing regulations, so furnishers must focus on the statutory requirements.\n\n2 Equal Credit Reporting Act, 15 U.S.C. 1691 et seq., implemented by Regulation B, 12 C.F.R. Part 1002. In addition, under the ECOA, Regulation B ( 12 C.F.R. 1002.9 ), and the FCRA ( 15 U.S.C. 1681m ), consumers and businesses applying for credit must be provided notice of the reasons a creditor took adverse action on the application or on an existing credit account in certain circumstances.\n\n3 Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. No. 116-136, 134 Stat. 281 ( March 27, 2020 ).\n\n4 Section 4021 of the CARES Act amended Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681s2 ( a ) ( 1 ) ).\n\n5 Kenneth Benton and Casey McHugh, Federal Reserve Bank of Philadelphia , Furnishers Compliance Obligations for Consumer Credit Information under the FCRA and ECOA, Consumer Compliance Outlook ( Second Quarter 2012 ).\n\n6 See 15 U.S.C. 1681s ( b ), 1681s-2 ( d ).\n\n7 See 15 U.S.C. 1681s ( c ), 1681s-2 ( d ).\n\n8 See 15 U.S.C. 1681s-2 ( c ).\n\n9 See 15 U.S.C. 1681a ( b ).\n\n10 See 15 U.S.C. 1681a ( c ).\n\n11 See 15 U.S.C. 1681a ( f ).\n\n12 See 12 C.F.R. 1022.41 ( c ). An entity is not a furnisher when it : ( 1 ) provides information to a consumer reporting agency solely to obtain a consumer report in accordance with Sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) is acting as a consumer reporting agency as defined in Section 603 ( f ) of the FCRA ; ( 3 ) is a consumer to whom the furnished information pertains; or ( 4 ) is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumers character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency.\n\n13 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), as added by Section 4021 of the CARES Act.\n\n14 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( I ).\n\n15 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( II ). Under the National Emergencies Act, an emergency declaration will automatically terminate on the one-year anniversary of the declaration if the President does not extend it during the 90-day period before the anniversary. 50 U.S.C. 1622 ( d ). An emergency declaration can also be terminated by a joint resolution of Congress enacted into law or by a Presidential proclamation. 50 U.S.C. 1622 ( a ).\n\n16 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ( iii ).\n\n17 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ( ii ).\n\n18 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). FCRA does not require a person to specify an address for receipt of notices from consumers concerning inaccurate information. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( C ).\n\n19 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).\n\n20 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( D ).\n\n21 See 15 U.S.C. 1681s-2 ( a ) ( 2 ) ( B ).\n\n22 See 15 U.S.C. 1681s-2 ( a ) ( 3 ).\n\n23 See 15 U.S.C. 1681s-2 ( a ) ( 4 ).\n\n24 See 15 U.S.C. 1681s-2 ( a ) ( 5 ).\n\n25 See 15 U.S.C. 1681c ( a ).\n\n26 See 15 U.S.C. 1681s-2 ( a ) ( 6 ).\n\n27 See 15 U.S.C. 1681s-2 ( a ) ( 7 ).\n\n28 See 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( G ) ( i ).\n\n29 See 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) - ( B ).\n\n30 See 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( B ) ( ii ) and ( C ) ( i ).\n\n31 See 12 C.F.R. Part 1022, Appendix B Model Notices of Furnishing Negative Information.\n\n32 See 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( D ).\n\n33 See 12 C.F.R. 1022.42. The FCRA requires the Bureau to establish and maintain guidelines for furnishers regarding the accuracy","date_sent_to_company":"2025-08-08T15:56:18.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30058","tags":null,"has_narrative":true,"complaint_id":"14284555","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-25T21:49:56.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Other Schemes : The address can be used in various fraud schemes, such as bank <em>account</em> fraud, school enrollment fraud, or insurance fraud.\n\n28. <em>Warning</em> signs of address fraud or identity theft : 29. Receiving mail or packages not intended for you.\n\n30. Finding unfamiliar <em>accounts</em> or charges on your financial statements or credit report.\n\n31. Missing or tampered mail.\n\n32. Receiving debt collection notices for <em>unknown</em> <em>accounts</em> or loans.\n\n33."]},"sort":[5.5486755,"14284555"]},{"_index":"complaint-public-v1","_id":"14284554","_score":5.5486755,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX Original Account Number is unknown DOB is XX/XX/XXXX, and the last 4 SSN is XXXX XXXXXXXX XXXX XXXX XXXXXXXX Litonia, GA XXXX Equifax : XXXX XXXX XXXX XXXXXXXX, GA XXXX Experian : XXXX XXXX XXXXXXXX, XXXX, TX XXXX TransUnion : XXXX XXXX XXXXXXXX, XXXX, PA XXXX Dear CFPB, FTC, and Credit Bureaus, I am writing to file a formal complaint against all three credit reporting agencies regarding identity theft. In XX/XX/XXXX, after discovering my identity had been stolen, I contacted all three credit reporting agencies, the original creditors, and the collection agencies. I also placed a freeze on my credit accounts and filed a police report. \n\nWith nearly 30 years of experience as a private investigator, primarily tracking fraud, I recognize the type of theft committed against me as synthetic identity theft or synthetic fraud. This form of identity theft involves fraudsters making minimum payments to gain more credit before eventually defaulting.\n\nI was severely injured with a XXXX XXXX, XXXX, ribs, and a XXXX XXXX XXXX, which resulted in two years of hospitalization for therapy, followed by an additional year due to XXXX, further surgeries, and therapy. Currently, I am still hospitalized with no set release date, which has significantly hindered my ability to communicate with the credit reporting agencies, as they only correspond by mail. Although I offered my medical information to them, they declined due to HIPAA. However, to prove my whereabouts for the past three years and resolve this nightmare, I am willing to provide your agency with access to my medical file. \n\nFurthermore, I can provide proof that my mail was compromised, including a letter from my bank stating that unknown individuals attempted to access my account from my cell phone number. The bank placed them on hold when they could not verify my password. They tried to reach me, but I was in the XXXX  at the time. My account was subsequently put on hold until I could speak with the bank and visit in person with my identification. My local branch, where I am well-known, can confirm the attempted identity theft on my account. My account was also linked for automatic payments on these fraudulent accounts, leading me to believe the two ladies hired to assist me for medical reasons had access to my address for the purpose of entering and cleaning. My home is equipped with 18 cameras that record 24/7, but footage must be backed up within seven days to avoid being recorded over.\n\n1. The account for XXXX XXXX XXXX has two different amounts listed on each report. ( XXXX ) They failed to validate the debt as requested in XXXX, and the original creditor failed to validate the dispute and the debt 2. XXXX XXXX XXXX XXXX failed to validate the debt for the XXXX XXXX, and the original creditor failed as well. XXXX  was removed from Trans Union but remains on the other agencies, with a threat to add it back onto TransUnion by the collection agency 3. XXXX XXXX and XXXX were opened by the same company. The collection agency failed to respond, and the original creditor failed to properly respond timely manner and based their findings on personal beliefs. \n4. My account with XXXX and XXXX  XXXX XXXX is the only account that belongs to me. XXXX  is not accurate for the three late payments. I spoke with them several times and have the recording with them stating it will be updated as pays as agree. My bank stopped the automatic payments after my account was flagged by the fraud department. It was money that ahd accumulated on XXXX ( for my XXXX XXXX XXXX ) that would have cleared the ayments. I was told not to worry because they cover me for ninety days.\n\n5. I am being penalized by the bureaus and they are accepting whatever creditors and collection agencies say with no valid information. None of the creditors original creditors or the collection agencies had provided me with validation of the debts or the 623 dispute and validation pursuant to the FCRA. I am also locked out of all my accounts oline and can not upload anything.\n\n6. Synthetic Identity Theft : 7. .Opens in new tab 8. This is a specific form of identity theft where fraudsters create a new identity by blending real and fabricated information.\n\n9.\n\n10. \" Clean '' Credit Building : 11. .Opens in new tab 12. The fraudsters may initially make small purchases and pay them off on time to establish a good credit score and build trust with the financial system.\n\n13.\n\n14. Defaulting on Larger Loans : 15. .Opens in new tab 16. Once a good credit history is established, the fraudsters will then attempt to obtain larger loans or credit lines, which they often default on, causing significant financial losses.\n\n17. This type of fraud is difficult to detect because it involves a combination of real and fake information, making it harder to trace back to a single individual.\n\n18. Other terms related to this type of fraud include : 19. Account Takeover : 20. .Opens in new tab 21. While this term refers to gaining control of an existing account, it can also be part of synthetic identity theft if the fraudulent account is created from scratch using a stolen identity.\n\n22. Payment Fraud : 23. .Opens in new tab 24. This is a broader term that encompasses any fraudulent activity involving payments, including synthetic identity theft.\n\n25. Address Fraud : This specific type of identity theft leverages the victim 's address for illegal activities. Examples include mail forwarding fraud, where mail is redirected to the fraudster, package interception after goods are ordered online with stolen credit card details, and using the address to open accounts or obtain credit in the victim 's name.\n\n26. Opening New Accounts or Making Purchases : Using the victim 's information to apply for credit cards, bank accounts, or loans, and potentially intercepting related mail.\n\n27. Other Schemes : The address can be used in various fraud schemes, such as bank account fraud, school enrollment fraud, or insurance fraud.\n\n28. Warning signs of address fraud or identity theft : 29. Receiving mail or packages not intended for you.\n\n30. Finding unfamiliar accounts or charges on your financial statements or credit report.\n\n31. Missing or tampered mail.\n\n32. Receiving debt collection notices for unknown accounts or loans.\n\n33. Unauthorized inquiries or new accounts on your credit report linked to your address.\n\n34. Lack of dedicated resources : White-collar crimes, including fraud, have historically received less attention and resources compared to violent crimes within victim advocacy and law enforcement.\n\n35. Victim vulnerability : handicap individuals, often targeted in financial fraud, who is barely home, and underreport their victimization.\n\nReasons Fraudulent Accounts Might Be Misidentified as Valid : Sophistication of Fraud Schemes : Modern fraud methods, such as synthetic identity theft, can be incredibly complex and difficult for investigators to detect.\n\nData Limitations and Inconsistencies : Lack of complete and accurate fraud data can make it hard to identify the total extent of fraudulent activity.\n\nAdministrative Errors : Processes for tracking and reporting fraud may have limitations, potentially leading to errors or delays in recognizing fraudulent accounts.\n\nConsequences for Victims : Financial Loss : Victims may face financial losses due to fraudulent transactions and damage to their credit history.\n\nEmotional and Psychological Distress : Victims often experience XXXX, XXXX, XXXX, and a sense of violation when their identity is compromised. \nDifficulties in Resolution : Correcting fraudulent accounts can be a challenging and time-consuming process.\n\nDebt Validation Requirement : The Fair Debt Collection Practices Act ( FDCPA ) and the CFPB 's Debt Collection Rule require debt collectors to provide consumers with specific information about the debt, known as \" validation information ''.\n\nTimeline for Providing Validation Information : Generally, this information should be provided in a written notice either as the initial communication or within five days of the debt collector 's first contact with the consumer.\n\nConsequences of Failure to Validate : Ceasing Collection Activities : If a debt collector fails to validate a debt when requested to do so within the specified time frame, they must cease collection activities.\n\nCFPB Enforcement Actions : The CFPB brings enforcement actions against companies that violate debt validation requirements, including failure to provide timely notices and mishandling disputes.\n\nConsumer Remedies : Consumers who are not provided timely debt validation or whose disputes are mishandled may be entitled to financial relief and potential lawsuits against the debt collector.\n\n15 U.S.C. 1692g The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer XXXX XXXX provided me a copy of the validation they claimed they sent on XX/XX/XXXX, which is not sufficient. Even if they allege they mailed it bills alone is not sufficient to validate the debt, which is probably why it was removed from once report. \nWhile copies of credit card billing statements can be a component of debt validation, they alone may not be sufficient to fulfill the requirements for validating a debt under the Fair Debt Collection Practices Act ( FDCPA ).\n\nWhat constitutes valid debt validation?\n\nDebt validation involves a debt collector providing clear and accurate documentation to prove that you owe a specific debt and they have the legal right to collect it. According to the FDCPA and related regulations, this documentation generally includes : A copy of the original credit agreement : This could be the original credit card agreement signed by you.\n\nDocumentation showing the collector 's right to pursue the debt : If the debt has been sold, this would include records demonstrating the chain of ownership.\n\nA detailed accounting of the total amount owed : This includes the original debt amount, interest, fees, payments, and credits since a specific date ( the \" itemization date '' ).\n\nDuty to Provide CRAs with Accurate Information Prohibition on Reporting Inaccurate Information. Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, it may not furnish information relating to a consumer to any CRA, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is, in fact, inaccurate.18 If the person does not specify such an address, the FCRA prohibits the person from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.19 The statute defines reasonable cause to believe that the information is inaccurate to mean having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.20 Duty to Promptly Correct and Update Information. Section 623 ( a ) of the FCRA also requires a person who regularly furnishes information to CRAs to promptly notify a CRA if the person determines the previously furnished information is not complete or accurate.21 The person must then provide corrected information and ensure it does not refurnish the incomplete or inaccurate information.\n\nDuty to Provide Notice of Dispute. If a consumer disputes the completeness or accuracy of furnished information, the furnisher must provide a notice of the dispute to the CRAs when furnishing the disputed information.22 Duty to Provide Notice of Accounts Closed Voluntarily. A person who regularly furnishes information to CRAs must notify the CRAs when a consumer voluntarily closes a credit account.23 This notice must be included in the information regularly furnished for the period in which the account is closed.\n\nDuty to Provide Dates of Delinquency. When an account is placed for collection, is charged to profit or loss, or a similar action is taken, and that delinquency is furnished to a CRA, the furnisher must notify the CRA of the date of delinquency on the account no later than 90 days after furnishing the information.24 This date is the month and year the account first becomes delinquent, not when the creditor places the account for collections, charges the account to profit or loss, or takes a similar action.25 Duty to Prevent Repollution of Consumer Reports. If a consumer submits an identity theft report to a furnisher indicating that furnished information resulted from identity theft, the furnisher must not report the information to the CRAs unless the furnisher subsequently knows or is informed by the consumer that the information is correct.26 In addition, furnishers are required to maintain reasonable procedures to respond to notifications from the CRAs relating to information that results from identify theft to prevent refurnishing this information.\n\nDuty to Provide the Customer with a Notice about Negative Information Duty to Provide a Notice to the Customer. If a financial institution that extends credit and regularly furnishes information to a nationwide CRA furnishes negative information to the CRAs about a credit extension, the financial institution must provide a clear and conspicuous written notice to the customer indicating that it furnished negative information to the CRAs.27 The term negative information means information concerning a customers delinquencies, late payments, insolvency, or any form of default.28 Timing of Notice. The financial institution must provide the notice to the customer no later than 30 days after furnishing the negative information to a CRA. After providing the notice, the financial institution is not required to send the customer additional notices if it furnishes additional negative information to the CRAs about the same transaction, credit extension, account, or customer.29 Format of Notice. The notice generally may be included on or with any notice of default, any billing statement, or any other materials provided to the customers ; however, if the notice is provided to the customer prior to furnishing the negative information to a CRA, the notice may not be included in the initial disclosures provided under Section 127 ( a ) of the Truth in Lending Act.30 Two model forms ( Model Notices of Furnishing Negative Information ) are available in Appendix B of Regulation V.31 Although use of the model forms is not required, a financial institution is deemed to comply with the requirements if it uses one of the model forms.32 Duty to Implement Reasonable Policies and Procedures Regulation V requires furnishers to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the consumer information furnished to CRAs.33 Accuracy means that the information the furnisher provides to a CRA correctly : Identifies the appropriate consumer ; Reflects the accounts terms and liability ; and Reflects the consumers performance with respect to the account.34 Integrity means the information the furnisher provides to a CRA : Is substantiated by the furnishers records at the time it is furnished ; Is in a form designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; Includes the information in the furnishers possession regarding the credit limit, if applicable ; and Includes any other information in the furnishers possession that the Bureau has determined the absence of which would likely be materially misleading in evaluating a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.35 Regulation V requires that the furnishers policies and procedures be appropriate to the nature, size, complexity, and scope of its activities.36 In developing the policies and procedures, a furnisher must consider the Interagency Guidelines Concerning the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies found in Appendix E of Regulation V ( Interagency Guidelines ), and incorporate those guidelines, as appropriate. Each furnisher must also review its policies and procedures periodically and update them as necessary to ensure their continued effectiveness.\n\nThe Interagency Guidelines include : Using standard data reporting formats and standard procedures for compiling and furnishing data, where feasible, such as electronic transmission of information about consumers to CRAs ; Deleting, updating, and correcting information in the furnishers records, as appropriate, to avoid furnishing inaccurate information ; Conducting reasonable investigations of disputes ; Establishing and implementing appropriate internal controls regarding the accuracy and integrity of information about consumers furnished to CRAs, such as by implementing standard procedures and verifying random samples of information provided to CRAs ; and Training staff that participates in activities related to the furnishing of information about consumers to CRAs.37 Duty to Investigate Disputes Filed Directly with the Furnisher The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the furnisher has or had with the consumer ( direct dispute ) .38 Covered Disputes. A furnisher is required to investigate if the dispute relates to : The consumers liability for a credit account or other debt with the furnisher ; The terms of a credit account or other debt with the furnisher ; The consumers performance or other conduct concerning an account or other relationship with the furnisher ; or Any other information contained in a consumer report for an account or other relationship with the furnisher that bears on the consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.39 The direct dispute rule does not apply if the dispute relates to the consumers identifying information, the identity of past or present employers, or inquiries or requests for a consumer report. It also does not apply to disputes relating to information that is derived from public records, provided to a CRA by another furnisher, or related to fraud alerts or active duty alerts.40 Finally, the rule does not apply if the furnisher has a reasonable belief that the direct dispute is submitted by a credit repair organization, is prepared on behalf of the consumer by a credit repair organization, or is submitted on a form supplied to the consumer by a credit repair organization.41 Consumers Obligation to Submit a Proper Notice of Dispute. A furnisher is required to investigate the dispute only if the consumer submitted the dispute notice to one of the following addresses : An address the furnisher provided that is listed on the consumer report ; An address the furnisher clearly and conspicuously identified for submitting direct disputes that is provided to the consumer in writing or, if the consumer agrees, electronically ; or If no address is specified, any business address of the furnisher.42 Moreover, the consumers dispute notice must include : Sufficient information to identify the account or other relationship in dispute ; The specific information being disputed ; An explanation of the basis for the dispute ; and All supporting documentation reasonably required by the furnisher to substantiate the basis of the dispute.43 Furnishers Duty to Investigate. Upon receiving a consumers proper notice of dispute, the furnisher must conduct a reasonable investigation of the dispute.44 The furnisher also must review all relevant information provided by the consumer with the dispute notice.\n\nThe furnisher has 30 days from the receipt of the dispute notice ( with the possibility for a 15-day extension under certain circumstances ) to complete the investigation and report the results to the consumer.45 If the furnisher finds that the information reported was inaccurate, the furnisher must promptly notify each CRA to which it provided the inaccurate information of the determination and provide the changes necessary to make the information accurate.46 Exception for Frivolous or Irrelevant Disputes. A furnisher is not required to investigate a direct dispute if the furnisher has reasonably determined that the dispute is frivolous or irrelevant.47 Under Regulation V, a dispute is frivolous or irrelevant if the dispute notice ( 1 ) does not contain sufficient information to investigate the dispute, ( 2 ) raises a dispute about information exempted from the rule, or ( 3 ) raises a dispute that is substantially the same as a dispute previously submitted by the consumer and resolved in accordance with the regulations. If the furnisher determines that a dispute is frivolous or irrelevant, the furnisher has five business days to notify the consumer of its determination. The notice must include the reasons for the determination and identify any information required to investigate the disputed information.\n\nDuty to Investigate Disputes Filed with CRAs The FCRA requires furnishers to investigate consumer disputes filed with the CRAs about information the furnishers provided.48 More specifically, when a furnisher receives notice from a CRA that a consumer disputes the completeness or accuracy of information the furnisher provided to the CRA , the furnisher must investigate the disputed information, review all relevant information the CRA provided, and report the results of its investigation to the CRA.49 If the furnisher determines the information it provided was incomplete or inaccurate, the furnisher must notify all nationwide CRAs to which the information was furnished of its findings.50 Finally, if the furnisher determines the disputed information is inaccurate or incomplete or can not be verified, the furnisher must promptly modify or delete the information or permanently block the reporting of that information.51 The furnisher generally has 30 days from the date the consumer filed the dispute with the CRA to complete its investigation and make appropriate notifications, but the investigation period may be extended an additional 15 days in some circumstances.52 EQUAL CREDIT OPPORTUNITY ACT/REGULATION B Regulation B, which implements the ECOA, imposes certain obligations on creditors that furnish credit information to CRAs.53 In addition, Regulation B prohibits discrimination on a prohibited basis regarding any aspect of a\ncredit transaction.54 At the federal level, the Board, FDIC, OCC, and NCUA have supervisory authority for ECOA and Regulation B for depository institutions with assets of {$10.00} XXXX or less.55 For depository institutions with assets over {$10.00} XXXX, the Bureau has this authority. Also, if any of these agencies has reason to believe that the creditor engaged in a pattern or practice of discrimination, then the agency must refer the matter to the U.S. Department of Justice.56 The Board has referred one matter involving discrimination on the basis of sex and marital status in credit reporting.57 In this matter, the creditor failed to provide information to CRAs about the payment history of spouses ( almost all of whom were women ) who were contractually obligated on the note.\n\nIn addition to the federal regulators, private plaintiffs have the right to file lawsuits under the ECOA.58 Violations of Regulation B can subject creditors to civil liability for actual and punitive damages in individual and class actions.59 If a furnisher fails to comply with the regulation because of an inadvertent error, there is no violation.60 The term inadvertent error means a mechanical, electronic, or clerical error that a creditor demonstrates was not intentional and occurred notwithstanding the maintenance of procedures reasonably adapted to avoid such errors,61 but it does not include an error of legal judgment.62 Upon discovering the error, the furnisher must correct it as soon as possible.\n\nCoverage Regulation B applies to a creditor, which is broadly defined to mean a person who, in the ordinary course of business, regularly participates in a credit decision, including setting the terms of the credit.63 The Official Staff Commentary to the regulation clarifies that the furnisher requirements only apply to consumer credit.64 Moreover, they apply only to creditors that opt to furnish credit information to CRAs or to other creditors ; a creditor is not required to furnish credit information on its accounts.\n\nDuties for Accounts Held or Used by Spouses Section 1002.10 of Regulation B imposes three obligations on creditors furnishing consumer credit information to the CRAs for accounts held or used by spouses.\n\nFirst, a creditor must designate accounts to reflect both spouses participation in the accounts in the following circumstances : For new accounts, when the spouse is an authorized user or is contractually liable on the account ( except as a guarantor, surety, endorser, or similar party ) ; and For existing accounts, when one of the spouses makes a written request to reflect both spouses participation on the account. In this situation, the furnisher must change the designation on the account within 90 days after receiving the written request.65 Second, when an account is designated to reflect the participation of both spouses, the creditor must furnish the information to the CRAs in a way that enables the CRAs to provide access to the information in the name of each spouse.66 Finally, if a creditor receives an inquiry about an account that reflects both spouses participating, the creditor must furnish the information in the name of the spouse for whom the information is requested.67 For example, if the inquiry concerns an account on which a husband and wife both participate, and the inquiry specifically is about the wife, the creditor must provide the information in the wifes name.\n\nProhibition on Discrimination In addition to the specific furnisher provisions, Regulation B broadly prohibits creditors from discriminating in any aspect of the credit transaction on any prohibited basis.68 The term credit transaction includes the furnishing of credit information.69 The term prohibited basis means race, color, religion, national origin, sex, marital status, or age ( provided that the applicant has the capacity to enter into a binding contract ) ; the applicants receipt of income, in whole or part, from any public assistance program ; or the applicants exercise in good faith of a right under the Consumer Credit Protection Act or any state law upon which an exemption has been granted by the [ Bureau ] .70 This general rule covers, for example, the administration of accounts and the treatment of delinquent or slow accounts.71 CONCLUSION Credit reports play an important role for consumers and creditors. Specific provisions of the CARES Act, the FCRA, Regulation V, the ECOA, and Regulation B are designed to ensure the fairness and accuracy of these reports. Financial institutions that furnish information to the CRAs should have adequate policies and procedures in place to ensure that they are complying with these requirements, including procedures to periodically test systems to verify compliance. Compliance with the credit reporting laws can promote fair and efficient access to credit, benefiting consumers and creditors alike. Specific questions should be addressed to your primary regulator.\n\nENDNOTES 1 Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., implemented in part by Regulation V, 12 C.F.R. Part 1022. Most of the furnisher requirements discussed in this article under Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) do not have implementing regulations, so furnishers must focus on the statutory requirements.\n\n2 Equal Credit Reporting Act, 15 U.S.C. 1691 et seq., implemented by Regulation B, 12 C.F.R. Part 1002. In addition, under the ECOA, Regulation B ( 12 C.F.R. 1002.9 ), and the FCRA ( 15 U.S.C. 1681m ), consumers and businesses applying for credit must be provided notice of the reasons a creditor took adverse action on the application or on an existing credit account in certain circumstances.\n\n3 Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. No. 116-136, 134 Stat. 281 ( March 27, 2020 ).\n\n4 Section 4021 of the CARES Act amended Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681s2 ( a ) ( 1 ) ).\n\n5 Kenneth Benton and Casey McHugh, Federal Reserve Bank of Philadelphia , Furnishers Compliance Obligations for Consumer Credit Information under the FCRA and ECOA, Consumer Compliance Outlook ( Second Quarter 2012 ).\n\n6 See 15 U.S.C. 1681s ( b ), 1681s-2 ( d ).\n\n7 See 15 U.S.C. 1681s ( c ), 1681s-2 ( d ).\n\n8 See 15 U.S.C. 1681s-2 ( c ).\n\n9 See 15 U.S.C. 1681a ( b ).\n\n10 See 15 U.S.C. 1681a ( c ).\n\n11 See 15 U.S.C. 1681a ( f ).\n\n12 See 12 C.F.R. 1022.41 ( c ). An entity is not a furnisher when it : ( 1 ) provides information to a consumer reporting agency solely to obtain a consumer report in accordance with Sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) is acting as a consumer reporting agency as defined in Section 603 ( f ) of the FCRA ; ( 3 ) is a consumer to whom the furnished information pertains; or ( 4 ) is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumers character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency.\n\n13 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), as added by Section 4021 of the CARES Act.\n\n14 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( I ).\n\n15 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( II ). Under the National Emergencies Act, an emergency declaration will automatically terminate on the one-year anniversary of the declaration if the President does not extend it during the 90-day period before the anniversary. 50 U.S.C. 1622 ( d ). An emergency declaration can also be terminated by a joint resolution of Congress enacted into law or by a Presidential proclamation. 50 U.S.C. 1622 ( a ).\n\n16 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ( iii ).\n\n17 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ( ii ).\n\n18 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). FCRA does not require a person to specify an address for receipt of notices from consumers concerning inaccurate information. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( C ).\n\n19 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).\n\n20 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( D ).\n\n21 See 15 U.S.C. 1681s-2 ( a ) ( 2 ) ( B ).\n\n22 See 15 U.S.C. 1681s-2 ( a ) ( 3 ).\n\n23 See 15 U.S.C. 1681s-2 ( a ) ( 4 ).\n\n24 See 15 U.S.C. 1681s-2 ( a ) ( 5 ).\n\n25 See 15 U.S.C. 1681c ( a ).\n\n26 See 15 U.S.C. 1681s-2 ( a ) ( 6 ).\n\n27 See 15 U.S.C. 1681s-2 ( a ) ( 7 ).\n\n28 See 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( G ) ( i ).\n\n29 See 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) - ( B ).\n\n30 See 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( B ) ( ii ) and ( C ) ( i ).\n\n31 See 12 C.F.R. Part 1022, Appendix B Model Notices of Furnishing Negative Information.\n\n32 See 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( D ).\n\n33 See 12 C.F.R. 1022.42. The FCRA requires the Bureau to establish and maintain guidelines for furnishers regarding the accuracy","date_sent_to_company":"2025-08-08T16:02:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30058","tags":null,"has_narrative":true,"complaint_id":"14284554","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-25T21:49:56.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Other Schemes : The address can be used in various fraud schemes, such as bank <em>account</em> fraud, school enrollment fraud, or insurance fraud.\n\n28. <em>Warning</em> signs of address fraud or identity theft : 29. Receiving mail or packages not intended for you.\n\n30. Finding unfamiliar <em>accounts</em> or charges on your financial statements or credit report.\n\n31. Missing or tampered mail.\n\n32. Receiving debt collection notices for <em>unknown</em> <em>accounts</em> or loans.\n\n33."]},"sort":[5.5486755,"14284554"]},{"_index":"complaint-public-v1","_id":"8254263","_score":5.449759,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My name is XXXX XXXX XXXX XXXX XXXX My Only Address XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX The last 4of my SSN # XXXX My Only XXXX Only XX/XX/XXXX I have reached out to EXPERIAN XXXX XXXX XXXX XXXX XXXX  XXXX XXXX via sign, certified letters and the debt XXXX. I have also sent over a certified notarized affidavit of truth upon sending my letters, I spoke with representatives at EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX about the fraudulent accounts and information that is consistently been on my consumer report, their investigation fixed nothing these are the accounts of the violations via FCRA and California consumer privacy act. I have reached out to the XXXX, the FTC, the California and STATE ATTORNEY GENERAL AND California consumer protection and innovation 15 USC 1681| ( A ) ( 1 ) ( A ) ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. \" So I then asked them to provide me a description of the investigation according to 15 USC 16811 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. I allege that EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX are in blatant violation of the following XXXX codes and legislation for the reasons specified : 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt. 15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports.15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681i : Inadequate procedures for disputing the accuracy of my consumer reports. 15 U.S. Code 1681b : Unauthorized access or use of my consumer reports for impermissible purposes. H.R. 3046 Social Security Number Privacy and Identity Theft Prevention Act of 2007 : Unauthorized use or disclosure of my Social Security numbers. Section 326 of the USA PATRIOT Act : Failure to verify my identification by financial institutions. Gramm-Leach-Bliley Act, Section 501 : Failure to ensure the security and confidentiality of my personal and financial information. Gramm-Leach-Bliley Act, Section 502 : Unauthorized sharing of my non-public personal information with non-affiliated third parties. Gramm-Leach- Bliley Act, Section 504 : Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk. Account XXXX XXXX  XXXX XX/XX/XXXX {$300.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$420.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$690.00} XXXX  XXXX XXXX XX/XX/XXXX {$670.00} CREDIT XXXX XX/XX/XXXX {$13000.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$550.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$180.00} XXXX XXXX XX/XX/XXXX {$5600.00} XXXX XXXX INQUIRIES XXXX DATES XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Fraudulent address ) XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Fraudulent XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15USC 1681ad ) ( 2 ( A/i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports . Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been \" validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal RevenueService against ALL entities involved.TITLE 1.81.5. 2018 [ 1798.100 - 1798.199.100 ] ( Title 1.81.5 added by Stats. 2018, Ch. 55, Sec. 3. ) -1798.106. Consumers Right to Correct Inaccurate Personal Information ( a ) A consumer shall have the right to request a business that maintains inaccurate personal information about the consumer to correct that inaccurate personal information, taking into account the nature of the personal information and the purposes of the processing of the personal information. ( b ) A business that collects personal information about consumers shall disclose, pursuant to Section 1798.130, the consumers right to request correction of inaccurate personal information. ( c ) A business that receives a verifiable consumer request to correct inaccurate personal information shall use commercially reasonable efforts to correct the inaccurate personal information as directed by the consumer, pursuant to Section 1798.130 and regulations adopted pursuant to paragraph ( 8 ) of subdivision ( a ) of Section 1798.185. ( Added XXXX XXXX XXXX, by initiative Proposition 24, Sec. 6. Effective XX/XX/XXXX. XXXX XX/XX/XXXX, pursuant to Sec. 31 of Proposition 24. ) XXXX. Consumers Right to Opt Out of Sale or Sharing of Personal Information ( a ) A consumer shall have the right, at any time, to direct a business that sells or shares personal information about the consumer to third parties not to sell or share the consumers personal information. This right may be referred to as the right to opt-out of sale or sharing. ( b ) A business that sells consumers personal information to, or shares it with, third parties shall provide notice to consumers, pursuant to subdivision ( a ) of Section 1798.135, that this information may be sold or shared and that consumers have the right to opt-out of the sale or sharing of their personal information** 1 See, e.g., 12 U.S.C. 5481 ( 12 ) ( F ), 5512 ( b ), 5514 ( c ), 5515 ( c ), and also Sub title E ( 12 U.S.C.5561 5567 ) ; 15 U.S.C. 1681s ( b ) ( 1 ) ( H ), ( e ). Authority over 15 U.S.C. 1681m ( e ) and 1681w are limited to the Federal banking agencies, the NCUA, the FTC, the CFTC, and SEC. 1. 15 U.S.C. 1681s. States can directly bring actions under FCRA. See 12 U.S.C. 1681s ( c ) .States can al so bring actions under the Consumer Financial Protection Act ( CFPA ) against covered persons and service providers based upon violations of federal consumer financial laws, including the FCRA . See Authority of States to Enforce the Consumer Financial Protection Act of XXXX, 87 FR 31940 ( May 26, 2022 ). 2. 15 U.S.C. 1681n, 1681o. 3. See, e.g., Consumer Financial Protection Bureau, Supervisory Highlights ( Spring XXXX ), at XXXX, https : XXXX XXXX. XXXX. See, e.g., Complaint at XXXX, CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Md. No. XXXX ( XXXX XXXX XXXX, XXXX ). 5. With respect to furnisherThis is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are requiredby federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed Data Removal : Immediate removal of all my existing personal and financial information from your website, databases, and any affiliated entities. This request pertains to all data currently held by your organization. 2. Data Security for Future Interactions : Implement robust security measures to prevent unauthorized access to any new information that may be collected. This request applies to any future interactions I may have with your organization and is not in conflict with my request for the removal of existing data. 3. Transparency : Full disclosure of any third parties with whom my information has been shared, along with immediate cessation of such sharing. 4. Notification : Prompt notification to me of all actions taken to secure my information and prevent further violations. 5. Legal Compliance : Immediate review and adherence to all relevant U.S. codes and legislation cited in this affidavit to ensure full compliance. Non-Consent and Settlement : Final Warning and Unambiguous Clarification 1as you can see here again, they blatantly violate the ( FCRA15 U.S. Code 1681s2 - ) Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate EXPERIAN XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729- 3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/EQUIFAX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are requiredby federal law to verify through the physical verification of the original signed consumer contract-Account XXXXXXXX XXXX XXXX XX/XX/XXXX {$300.00} XXXXXXXX XXXX XXXX XX/XX/XXXX {$420.00} XXXX XXXX XXXX XX/XX/XXXX {$690.00} XXXX  XXXX XXXX XX/XX/XXXX {$670.00} XXXX XXXX XX/XX/XXXX {$13000.00} XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$550.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$180.00} XXXX XXXX XX/XX/XXXX {$5600.00} XXXX XXXX INQUIRIES XXXX DATES XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Fraudulent XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSee, e.g. , 12 U.S.C. 5481 ( 12 ) ( F ), 5512 ( b ), 5514 ( c ), 5515 ( c ), and also Sub title E ( 12 U.S.C.5561 5567 ) ; 15 U.S.C. 1681s ( b ) ( 1 ) ( H ), ( e ). Authority over 15 U.S.C. 1681m ( e ) and 1681w are limited to the Federal banking agencies, the NCUA, the FTC, the CFTC, and SEC.\n\n1.15 U.S.C. 1681s. States can directly bring actions under FCRA. See 12 U.S.C. 1681s ( c ) .States can al so bring actions under the Consumer Financial Protection Act ( CFPA ) against covered persons and service providers based upon violations of federal consumer financial laws, including the FCRA . See Authority of States to Enforce the Consumer Financial Protection Act of XXXX, 87 FR 3194XXXX ( XX/XX/XXXX ). \n2.15 U.S.C. 1681n, 1681o.\n\n3.See, e.g., Consumer Financial Protection Bureau , Supervisory Highlights ( Spring XXXX ), at XXXXXXXX XXXX XXXX XXXX. \n4.See, e.g., Complaint at 15, CFPB v. Fair Collections & Outsourcing , Inc. , D. Md . No. 19-Civ-2817 ( XXXX XXXX XXXX, XXXX ). \n5.With respect to furnisher direct disputes, see 74 FR 31,484, 31,500 ( XX/XX/XXXX ) ( Some industry commenters also suggested that the Agencies issue a model direct dispute complaint form, with some advocating that consumers be required to use the model complaint form. The Agencies decline to adopt these suggestions because such requirements would cause otherwise valid disputes to b e rejected as frivolous or irrelevant due solely to the consumer 's failure to meet a technical requirement that probably would be unknown to the consumer. ) 6.15 U.S.C. 1681i ( a ) ( 3 ) ( A ) ( identifying which disputes the consumer reporting agency can determine to be frivolous or irrelevant ) ; 12 CFR 1022.43 ( f ) ( 1 ) ( identifying which disputes the furnisher can determine to be frivolous or irrelevant ).\n\n7.15 U.S.C. 1681i ( a ) ( 3 ) ( Consumer reporting agency frivolous or irrelevant determination ) ; 12 CFR 1022.43 ( f ) ( furnisher direct dispute frivolous or irrelevant determination ).\n\n8.15 U.S.C. 1681s-2 ( b ). See Brief for Consumer Financial Protection Bureau and Federal Trade Commission as XXXX XXXX Supporting Plaintiff-Appellant, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ). \nXXXX XXXX. XXXX ( a ) ( XXXX ) ( A ). \n10.Consumer Financial Protection Bureau , Bulletin XXXX ( XXXX XXXX, XXXX ), at XXXX, https : XXXX ( alerting furnishers to the fact that consumer reporting agencies have begun forwarding images of relevant documentation to furnishers as part of the reasonable investigation of disputes ). \n11.For example, a copy of a bill supporting the consumers dispute conveys information regarding the persuasiveness of a consumers dispute that data about the bill would not.\n\n12.Federal Trade Commission , 40 Years of Experience with the Fair Credit Reporting Act : An FTC Staff Report with Summary of Interpretations ( XXXX. XXXX ), at XXXX, https : XXXX ( ACRA does not comply with this provision if it merely indicates the nature of the dispute, without communicating to the furnisher the specific relevant information received from the consumer. For example, if the consumer claimed never late and submitted documentation ( such as cancelled checks ) to support his/her dispute, a CRA does not comply with the requirement that is provide all relevant information if it simply notifies the furnisher that the consumer disputes the payment history without communicating the evidence received. ). \n13.2115 U.S.C. 1681s-2 ( b ) ( 1 ) ( B )","date_sent_to_company":"2024-01-30T06:48:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"27610","tags":null,"has_narrative":true,"complaint_id":"8254263","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-01-30T06:19:21.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have also sent <em>over</em> a certified notarized affidavit of truth upon sending my letters, I spoke with representatives at EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX about the fraudulent <em>accounts</em> and information that is consistently <em>been</em> on my consumer report, their investigation fixed nothing these are the <em>accounts</em> of the violations via FCRA and California consumer privacy act."]},"sort":[5.449759,"8254263"]},{"_index":"complaint-public-v1","_id":"8252726","_score":5.449759,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My name is XXXX XXXX XXXX XXXX XXXX My Only Address XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX The last 4of my SSN # XXXX My Only XXXXMy Only XX/XX/XXXX I have reached out to XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXXXXXX XXXX via sign, certified letters and the debt collectors. I have also sent over a certified notarized affidavit of truth upon sending my letters, I spoke with representatives at XXXX TRANSUNION XXXX XXXXXXXX XXXX XXXX XXXX XXXX about the fraudulent accounts and information that is consistently been on my consumer report, their investigation fixed nothing these are the accounts of the violations via FCRA and California consumer privacy act. I have reached out to the XXXX, the FTC, the California and STATE ATTORNEY GENERAL AND California consumer protection and innovation 15 USC 1681| ( A ) ( 1 ) ( A ) ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from thefile in accordance with paragraph ( 5 ), before end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. \" So I then asked them to provide me a description of the investigation according to 15 USC 16811 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. I allege that XXXX TRANSUNION XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX are in blatant violation of the following U.S. codes and legislation for the reasons specified : 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt. 15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports.15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681i : Inadequate procedures for disputing the accuracy of my consumer reports. 15 U.S. Code 1681b : Unauthorized access or use of my consumer reports for impermissible purposes. H.R. 3046 Social Security Number Privacy and Identity Theft Prevention Act of 2007 : Unauthorized use or disclosure of my Social Security numbers. Section 326 of the USA PATRIOT Act : Failure to verify my identification by financial institutions. Gramm-Leach-Bliley Act, Section 501 : Failure to ensure the security and confidentiality of my personal and financial information. Gramm-Leach-Bliley Act, Section 502 : Unauthorized sharing of my non-public personal information with non-affiliated third parties. Gramm-Leach- Bliley Act, Section 504 : Non- compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15USC 1681ad ) ( 2 ( A/i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been \" validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUTmailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal RevenueService against ALL entities involved.TITLE 1.81.5. 2018 [ 1798.100 - 1798.199.100 ] ( Title 1.81.5 added by Stats. 2018, Ch. 55, Sec. 3. ) -1798.106. Consumers Right to Correct Inaccurate Personal Information ( a ) A consumer shall have the right to request a business that maintains inaccurate personal information about the consumer to correct that inaccurate personal information, taking into account the nature of the personal information and the purposes of the processing of the personal information. ( b ) A business that collects personal information about consumers shall disclose, pursuant to Section 1798.130, the consumers right to request correction of inaccurate personal information. ( c ) A business that receives a verifiable consumer request to correct inaccurate personal information shall use commercially reasonable efforts to correct the inaccurate personal information as directed by the consumer, pursuant to Section 1798.130 and regulations adopted pursuant to paragraph ( 8 ) of subdivision ( a ) of Section 1798.185. ( Added XX/XX/XXXXXXXX XXXX by initiative Proposition 24, Sec. 6. Effective XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, pursuant to Sec. 31 of Proposition 24. ) 1798.120. Consumers Right to Opt Out of Sale or Sharing of Personal Information ( a ) A consumer shall have the right, at any time, to direct a business that sells or shares personal information about the consumer to third parties not to sell or share the consumers personal information. This right may be referred to as the right to opt- out of sale or sharing. ( b ) A business that sells consumers personal information to, or shares it with, third parties shall provide notice to consumers, pursuant to subdivision ( a ) of Section 1798.135, that this information may be sold or shared and that consumers have the right to opt-out of the sale or sharing of their personal information** 1 See, e.g., 12 U.S.C. 5481 ( 12 ) ( F ), 5512 ( b ), 5514 ( c ), 5515 ( c ), and also Sub title E ( 12 U.S.C.5561 5567 ) ; 15 U.S.C. 1681s ( b ) ( 1 ) ( H ), ( e ). Authority over 15 U.S.C. 1681m ( e ) and 1681w are limited to the Federal banking agencies, the NCUA, the FTC, the CFTC, and SEC. 1. 15 U.S.C. 1681s. States can directly bring actions under FCRA. See 12 U.S.C. 1681s ( c ) .States can al so bring actions under the Consumer Financial Protection Act ( CFPA ) against covered persons and service providers based upon violations of federal consumer financial laws, including the FCRA . See Authority of States to Enforce the Consumer Financial Protection Act of 2010, 87 FR 31940 ( May 26, 2022 ). 2. 15 U.S.C. 1681n, 1681o. 3. See, e.g., Consumer Financial Protection Bureau, Supervisory Highlights ( Spring 2014 ), at 10, https : //files.consumerfinance.gov/f/201405_cfpb_supervisory- highlights-spring- 2014.pdf. 4. See, e.g., Complaint at 15, CFPB v. XXXX XXXX XXXX XXXX XXXX Inc., D. Md. No. 19-Civ-2817 ( Filed Sep. 25, 2019 ). 5. With respect to furnisherThis is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are requiredby federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed Data Removal : Immediate removal of all my existing personal and financial information from your website, databases, and any affiliated entities. This request pertains to all data currently held by your organization. 2. Data Security for Future Interactions : Implement robust security measures to prevent unauthorized access to any new information that may be collected. This request applies to any future interactions I may have with your organization and is not in conflict with my request for the removal of existing data. 3. Transparency : Full disclosure of any third parties with whom my information has been shared, along with immediate cessation of such sharing. 4. Notification : Prompt notification to me of all actions taken to secure my information and prevent further violations. 5. Legal Compliance : Immediate review and adherence to all relevant U.S. codes and legislation cited in this affidavit to ensure full compliance. Non-Consent and Settlement : Final Warning and Unambiguous Clarification 1as you can see here again, they blatantly violate the ( FCRA15 U.S. Code 1681s2 - ) Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice andconfirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate XXXX TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729- 3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are requiredby federal law to verify through the physical verification of the original signed consumer contract-Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX See, e.g., 12 U.S.C . 5481 ( 12 ) ( F ), 5512 ( b ), 5514 ( c ), 5515 ( c ), and also Sub title E ( 12 U.S.C.5561 5567 ) ; 15 U.S.C. 1681s ( b ) ( 1 ) ( H ), ( e ). Authority over 15 U.S.C. 1681m ( e ) and 1681w are limited to the Federal banking agencies, the NCUA, the FTC, the CFTC, and SEC. 1. 15 U.S.C. 1681s. States can directly bring actions under FCRA. See 12 U.S.C. 1681s ( c ) .States can al so bring actions under the Consumer Financial Protection Act ( CFPA ) against covered persons and service providers based upon violations of federal consumer financial laws, including the FCRA XXXX See Authority of States to Enforce the Consumer Financial Protection Act of 2010, 87 FR 31940 ( May 26, 2022 ). 2. 15 U.S.C. 1681n, 1681o. 3. See, e.g., Consumer Financial Protection Bureau, Supervisory Highlights ( Spring 2014 ), at 10, https : //files.consumerfinance.gov/f/201405_cfpb_supervisory-highlights-spring- 2014.pdf. 4. See, e.g., Complaint at 15, CFPB v. XXXX XXXX XXXX XXXXXXXX XXXX XXXX., D. Md. No. 19-Civ-2817 ( Filed Sep. 25, 2019 ). 5. With respect to furnisher direct disputes, see 74 FR 31,484, 31,500 ( XXXX XXXX XXXX ) ( Some industry commenters also suggested that the Agencies issue a model direct dispute complaint form, with some advocating that consumers be required to use the model complaint form. The Agencies decline to adopt these suggestions because such requirements would cause otherwise valid disputes to b e rejected as frivolous or irrelevant due solely to the consumer 's failure to meet a technical requirement that probably would be unknown to the consumer. ) 6. 15 U.S.C. 1681i ( a ) ( 3 ) ( A ) ( identifying which disputes the consumer reporting agency can determine to be frivolous or irrelevant ) ; 12 CFR 1022.43 ( f ) ( 1 ) ( identifying which disputes the furnisher can determine to be frivolous or irrelevant ). 7. 15 U.S.C.1681i ( a ) ( 3 ) ( Consumer reporting agency frivolous or irrelevant determination ) ; 12 CFR 1022.43 ( f ) ( furnisher direct dispute frivolous or irrelevant determination ).\n\n8. 15 U.S.C. 1681s-2 ( b ). See Brief for Consumer Financial Protection Bureau and Federal Trade Commission as XXXX XXXX Supporting Plaintiff-Appellant, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Third Circuit Court of Appeals ( No. 21- 2430 ). 9. 15 U.S.C. 1681i ( a ) ( 2 ) ( A ). 10. Consumer Financial Protection Bureau, Bulletin 2013-09 ( Sep. 4, 2013 ), at 1, https : //files.consumerfinance.gov/f/201309_cfpb_bulletin_furnishers.pdf ( alerting furnishers to the fact that consumer reporting agencies have begun forwarding images of relevant documentation to furnishers as part of the reasonable investigation of disputes ). 11. For example, a copy of a bill supporting the consumers dispute conveys information regarding the persuasiveness of a consumers dispute that data about the bill would not. 12. Federal Trade Commission, 40 Years of Experience with the Fair Credit Reporting Act : An FTC Staff Report with Summary of Interpretations ( Jul. 2011 ), at 77, https : //www.ftc.gov/sites/default/files/documents/reports/40-years-experience- fair-credit-reporting-act-ftc-staff-report-summary- XXXX ( XXXX does not comply with this provision if it merely indicates the nature of the dispute, without communicating to the furnisher the specific relevant information received from the consumer. For example, if the consumer claimed never late and submitted documentation ( such as cancelled checks ) to support his/her dispute, a CRA does not comply with the requirement that is provide all relevant information if it simply notifies the furnisher that the consumer disputes the payment history without communicating the evidence received. ). 13. 2115 U.S.C. 1681s-2 ( b ) ( 1 ) ( B )","date_sent_to_company":"2024-01-30T17:38:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"27610","tags":null,"has_narrative":true,"complaint_id":"8252726","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-01-30T17:22:31.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have also sent <em>over</em> a certified notarized affidavit of truth upon sending my letters, I spoke with representatives at XXXX TRANSUNION XXXX XXXXXXXX XXXX XXXX XXXX XXXX about the fraudulent <em>accounts</em> and information that is consistently <em>been</em> on my consumer report, their investigation fixed nothing these are the <em>accounts</em> of the violations via FCRA and California consumer privacy act."]},"sort":[5.449759,"8252726"]},{"_index":"complaint-public-v1","_id":"8254242","_score":5.4448442,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My name is XXXX XXXX XXXX XXXX XXXX My Only Address XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX The last 4of my SSN # XXXX My Only XXXX Only XX/XX/XXXX I have reached out to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX via sign, certified letters and the debt collectors. I have also sent over a certified notarized affidavit of truth upon sending my letters, I spoke with representatives at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX about the fraudulent accounts and information that is consistently been on my consumer report, their investigation fixed nothing these are the accounts of the violations via FCRA and California consumer privacy act. I have reached out to the BBB, the FTC, the California and STATE ATTORNEY GENERAL AND California consumer protection and innovation 15 USC 1681| ( A ) ( 1 ) ( A ) ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( XXXX ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. \" So I then asked them to provide me a description of the investigation according to 15 USC 16811 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. I allege that XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX are in blatant violation of the following U.S. codes and legislation for the reasons specified : 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt. 15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports.15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681i : Inadequate procedures for disputing the accuracy of my consumer reports. 15 U.S. Code 1681b : Unauthorized access or use of my consumer reports for impermissible purposes. H.R. 3046 Social Security Number Privacy and Identity Theft Prevention Act of 2007 : Unauthorized use or disclosure of my Social Security numbers. Section 326 of the USA PATRIOT Act : Failure to verify my identification by financial institutions. Gramm-Leach-Bliley Act, Section 501 : Failure to ensure the security and confidentiality of my personal and financial information. Gramm-Leach-Bliley Act, Section 502 : Unauthorized sharing of my non-public personal information with non-affiliated third parties. Gramm-Leach- Bliley Act, Section 504 : Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk. Account XXXX XXXX XXXXXXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$690.00} XXXX  XXXX XXXX XX/XX/XXXX {$670.00} XXXX  XXXX XX/XX/XXXX {$13000.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$550.00} XXXX XXXX  XXXX XX/XX/XXXX {$180.00} XXXX XXXX XX/XX/XXXX {$5600.00} XXXX XXXX INQUIRIES XXXX DATES XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EQUIFAX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Fraudulent XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ( XXXX XXXX clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports XXXX Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been \" validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal RevenueService against ALL entities involved.TITLE 1.81.5. 2018 [ 1798.100 - 1798.199.100 ] ( Title 1.81.5 added by Stats. 2018, Ch. 55, Sec. 3. ) XXXX Consumers Right to Correct Inaccurate Personal Information ( a ) A consumer shall have the right to request a business that maintains inaccurate personal information about the consumer to correct that inaccurate personal information, taking into account the nature of the personal information and the purposes of the processing of the personal information. ( b ) A business that collects personal information about consumers shall disclose, pursuant to Section XXXX, the consumers right to request correction of inaccurate personal information. ( c ) A business that receives a verifiable consumer request to correct inaccurate personal information shall use commercially reasonable efforts to correct the inaccurate personal information as directed by the consumer, pursuant to Section XXXX and regulations adopted pursuant to paragraph ( 8 ) of subdivision ( a ) of Section XXXX. ( Added XX/XX/XXXX, by initiative Proposition 24, Sec. 6. Effective XX/XX/XXXX. XXXX XX/XX/XXXX, pursuant to Sec. XXXX of XXXX XXXX. ) XXXX. Consumers Right to Opt Out of Sale or Sharing of Personal Information ( a ) A consumer shall have the right, at any time, to direct a business that sells or shares personal information about the consumer to third parties not to sell or share the consumers personal information. This right may be referred to as the right to opt-out of sale or sharing. ( b ) A business that sells consumers personal information to, or shares it with, third parties shall provide notice to consumers, pursuant to subdivision ( a ) of Section XXXX, that this information may be sold or shared and that consumers have the right to opt-out of the sale or sharing of their personal information** 1 See, e.g., 12 U.S.C. 5481 ( 12 ) ( F ), 5512 ( b ), 5514 ( c ), 5515 ( c ), and also Sub title E ( 12 U.S.C.5561 5567 ) ; 15 U.S.C. 1681s ( b ) ( 1 ) ( H ), ( e ). Authority over 15 U.S.C. 1681m ( e ) and 1681w are limited to the Federal banking agencies, the NCUA, the FTC, the CFTC, and SEC. 1. 15 U.S.C. 1681s. States can directly bring actions under FCRA. See 12 U.S.C. 1681s ( c ) .States can al so bring actions under the Consumer Financial Protection Act ( CFPA ) against covered persons and service providers based upon violations of federal consumer financial laws, including the FCRA . See Authority of States to Enforce the Consumer Financial Protection Act of XXXX, 87 FR 31940 ( XX/XX/XXXX ). 2. 15 U.S.C. 1681n, 1681o. XXXX. See, e.g., Consumer Financial Protection Bureau, Supervisory Highlights ( Spring XXXX ), at 10, XXXX XXXX XXXX XXXX. 4. See, e.g., Complaint at 15, CFPB v. Fair Collections & Outsourcing , Inc., D. Md. No. 19-Civ-2817 ( XXXX XXXX XXXX, XXXX ). XXXX. With respect to furnisherThis is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are requiredby federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed Data Removal : Immediate removal of all my existing personal and financial information from your website, databases, and any affiliated entities. This request pertains to all data currently held by your organization. 2. Data Security for Future Interactions : Implement robust security measures to prevent unauthorized access to any new information that may be collected. This request applies to any future interactions I may have with your organization and is not in conflict with my request for the removal of existing data. 3. Transparency : Full disclosure of any third parties with whom my information has been shared, along with immediate cessation of such sharing. 4. Notification : Prompt notification to me of all actions taken to secure my information and prevent further violations. 5. Legal Compliance : Immediate review and adherence to all relevant U.S. codes and legislation cited in this affidavit to ensure full compliance. Non-Consent and Settlement : Final Warning and Unambiguous Clarification 1as you can see here again, they blatantly violate the ( FCRA15 U.S. Code 1681s2 - ) Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729- 3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are requiredby federal law to verify through the physical verification of the original signed consumer contract-Account XXXX XXXX XXXX XX/XX/XXXX {$300.00} XXXXXXXX XXXX XXXX XX/XX/XXXX {$420.00} XXXX XXXX XXXX XX/XX/XXXX {$690.00} XXXX  XXXX XXXX XX/XX/XXXX {$670.00} XXXX XXXX XX/XX/XXXX {$13000.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$550.00} XXXX XXXX  XXXX XX/XX/XXXX {$180.00} XXXX XXXX XX/XX/XXXX {$5600.00} XXXX XXXX INQUIRIES XXXX DATES XX/XX/XXXX {$1000.00} CAP XXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Fraudulent address ) XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Fraudulent Names ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX11See, e.g. , 12 U.S.C. 5481 ( 12 ) ( F ), 5512 ( b ), 5514 ( c ), 5515 ( c ), and also Sub title E ( 12 U.S.C.5561 5567 ) ; 15 U.S.C. 1681s ( b ) ( 1 ) ( H ), ( e ). Authority over 15 U.S.C. 1681m ( e ) and 1681w are limited to the Federal banking agencies, the NCUA, the FTC, the CFTC, and SEC.\n\n1.15 U.S.C. 1681s. States can directly bring actions under FCRA. See 12 U.S.C. 1681s ( c ) .States can al so bring actions under the Consumer Financial Protection Act ( CFPA ) against covered persons and service providers based upon violations of federal consumer financial laws, including the FCRA XXXX See Authority of States to Enforce the Consumer Financial Protection Act of XXXX, 87 FR 31940 ( XX/XX/XXXX ). \n2.15 U.S.C. 1681n, 1681o.\n\n3.See, e.g., Consumer Financial Protection Bureau , Supervisory Highlights ( Spring XXXX ), at XXXXXXXX XXXX XXXX XXXX. \n4.See, e.g., Complaint at 15, CFPB v. Fair Collections & Outsourcing , Inc. , D. Md . No. 19-Civ-2817 ( XXXX XXXX XXXX, XXXX ). \n5.With respect to furnisher direct disputes, see XXXX XXXX XXXX, XXXX ( XX/XX/XXXX ) ( Some industry commenters also suggested that the Agencies issue a model direct dispute complaint form, with some advocating that consumers be required to use the model complaint form. The Agencies decline to adopt these suggestions because such requirements would cause otherwise valid disputes to b e rejected as frivolous or irrelevant due solely to the consumer 's failure to meet a technical requirement that probably would be unknown to the consumer. ) 6.15 U.S.C. 1681i ( a ) ( 3 ) ( A ) ( identifying which disputes the consumer reporting agency can determine to be frivolous or irrelevant ) ; 12 CFR 1022.43 ( f ) ( 1 ) ( identifying which disputes the furnisher can determine to be frivolous or irrelevant ).\n\n7.15 U.S.C. 1681i ( a ) ( 3 ) ( Consumer reporting agency frivolous or irrelevant determination ) ; 12 CFR 1022.43 ( f ) ( furnisher direct dispute frivolous or irrelevant determination ). \n8.15 U.S.C. 1681s-2 ( b ). See Brief for Consumer Financial Protection Bureau and Federal Trade Commission as Amici Curiae Supporting Plaintiff-Appellant, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ). \n9.15 U.S.C. 1681i ( a ) ( 2 ) ( A ). \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX ), at XXXX, https : XXXX ( alerting furnishers to the fact that consumer reporting agencies have begun forwarding images of relevant documentation to furnishers as part of the reasonable investigation of disputes ). \n11.For example, a copy of a bill supporting the consumers dispute conveys information regarding the persuasiveness of a consumers dispute that data about the bill would not. \n12.Federal Trade Commission , 40 Years of Experience with the Fair Credit Reporting Act : An FTC Staff Report with Summary of Interpretations ( XXXX. XXXX ), at XXXX, XXXX XXXX XXXX ( ACRA does not comply with this provision if it merely indicates the nature of the dispute, without communicating to the furnisher the specific relevant information received from the consumer. For example, if the consumer claimed never late and submitted documentation ( such as cancelled checks ) to support his/her dispute, a CRA does not comply with the requirement that is provide all relevant information if it simply notifies the furnisher that the consumer disputes the payment history without communicating the evidence received. ). \n13.2115 U.S.C. 1681s-2 ( b ) ( 1 ) ( B )","date_sent_to_company":"2024-01-30T06:48:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"27610","tags":null,"has_narrative":true,"complaint_id":"8254242","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-01-30T06:48:28.000Z","state":"NC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have also sent <em>over</em> a certified notarized affidavit of truth upon sending my letters, I spoke with representatives at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX about the fraudulent <em>accounts</em> and information that is consistently <em>been</em> on my consumer report, their investigation fixed nothing these are the <em>accounts</em> of the violations via FCRA and California consumer privacy act."]},"sort":[5.4448442,"8254242"]},{"_index":"complaint-public-v1","_id":"8252437","_score":5.4401813,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My name is XXXX XXXX XXXX XXXX XXXX My Only Address XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX The last 4of my SSN # XXXX My Only XXXXMy Only XX/XX/XXXXXXXX  I have reached out to XXXX XXXX XXXX XXXX XXXX XXXX  LEXISNEXIS XXXX via sign, certified letters and the debt collectors. I have also sent over a certified notarized affidavit of truth upon sending my letters, I spoke with representatives at XXXX XXXX XXXX XXXX XXXX XXXX  LEXISNEXIS XXXX about the fraudulent accounts and information that is consistently been on my consumer report, their investigation fixed nothing these are the accounts of the violations via FCRA and California consumer privacy act. I have reached out to the XXXX, the FTC, the California and STATE ATTORNEY GENERAL AND California consumer protection and innovation 15 USC 1681| ( A ) ( 1 ) ( A ) ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from thefile in accordance with paragraph ( 5 ), before end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. \" So I then asked them to provide me a description of the investigation according to 15 USC 16811 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. I allege that XXXX XXXX XXXX XXXX XXXX XXXX LEXISNEXIS XXXX are in blatant violation of the following U.S. codes and legislation for the reasons specified : 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt. 15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports.15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681i : Inadequate procedures for disputing the accuracy of my consumer reports. 15 U.S. Code 1681b : Unauthorized access or use of my consumer reports for impermissible purposes. H.R. 3046 Social Security Number Privacy and Identity Theft Prevention Act of 2007 : Unauthorized use or disclosure of my Social Security numbers. Section 326 of the USA PATRIOT Act : Failure to verify my identification by financial institutions. Gramm-Leach-Bliley Act, Section 501 : Failure to ensure the security and confidentiality of my personal and financial information. Gramm-Leach-Bliley Act, Section 502 : Unauthorized sharing of my non-public personal information with non-affiliated third parties. Gramm-Leach- Bliley Act, Section 504 : Non- compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15USC 1681ad ) ( 2 ( A/i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been \" validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUTmailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal RevenueService against ALL entities involved.TITLE 1.81.5. 2018 [ 1798.100 - 1798.199.100 ] ( Title 1.81.5 added by Stats. 2018, Ch. 55, Sec. 3. ) -1798.106. Consumers Right to Correct Inaccurate Personal Information ( a ) A consumer shall have the right to request a business that maintains inaccurate personal information about the consumer to correct that inaccurate personal information, taking into account the nature of the personal information and the purposes of the processing of the personal information. ( b ) A business that collects personal information about consumers shall disclose, pursuant to Section 1798.130, the consumers right to request correction of inaccurate personal information. ( c ) A business that receives a verifiable consumer request to correct inaccurate personal information shall use commercially reasonable efforts to correct the inaccurate personal information as directed by the consumer, pursuant to Section 1798.130 and regulations adopted pursuant to paragraph ( 8 ) of subdivision ( a ) of Section 1798.185. ( Added XX/XX/XXXX, by initiative Proposition 24, Sec. 6. Effective XX/XX/XXXX. XXXX XX/XX/XXXX, pursuant to Sec. 31 of Proposition 24. ) 1798.120. Consumers Right to Opt Out of Sale or Sharing of Personal Information ( a ) A consumer shall have the right, at any time, to direct a business that sells or shares personal information about the consumer to third parties not to sell or share the consumers personal information. This right may be referred to as the right to opt- out of sale or sharing. ( b ) A business that sells consumers personal information to, or shares it with, third parties shall provide notice to consumers, pursuant to subdivision ( a ) of Section 1798.135, that this information may be sold or shared and that consumers have the right to opt-out of the sale or sharing of their personal information** 1 See, e.g., 12 U.S.C. 5481 ( 12 ) ( F ), 5512 ( b ), 5514 ( c ), 5515 ( c ), and also Sub title E ( 12 U.S.C.5561 5567 ) ; 15 U.S.C. 1681s ( b ) ( 1 ) ( H ), ( e ). Authority over 15 U.S.C. 1681m ( e ) and 1681w are limited to the Federal banking agencies, the NCUA, the FTC, the CFTC, and SEC. 1. 15 U.S.C. 1681s. States can directly bring actions under FCRA. See 12 U.S.C. 1681s ( c ) .States can al so bring actions under the Consumer Financial Protection Act ( CFPA ) against covered persons and service providers based upon violations of federal consumer financial laws, including the FCRA . See Authority of States to Enforce the Consumer Financial Protection Act of 2010, 87 FR 31940 ( XXXX XXXX XXXX XXXX  2. 15 U.S.C. 1681n, 1681o. 3. See, e.g., Consumer Financial Protection Bureau, Supervisory Highlights ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ). XXXX. With respect to furnisherThis is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are requiredby federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed Data Removal : Immediate removal of all my existing personal and financial information from your website, databases, and any affiliated entities. This request pertains to all data currently held by your organization. 2. Data Security for Future Interactions : Implement robust security measures to prevent unauthorized access to any new information that may be collected. This request applies to any future interactions I may have with your organization and is not in conflict with my request for the removal of existing data. 3. Transparency : Full disclosure of any third parties with whom my information has been shared, along with immediate cessation of such sharing. 4. Notification : Prompt notification to me of all actions taken to secure my information and prevent further violations. 5. Legal Compliance : Immediate review and adherence to all relevant U.S. codes and legislation cited in this affidavit to ensure full compliance. Non-Consent and Settlement : Final Warning and Unambiguous Clarification 1as you can see here again, they blatantly violate the ( FCRA15 U.S. Code 1681s2 - ) Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice andconfirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate XXXX XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729- 3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX  /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are requiredby federal law to verify through the physical verification of the original signed consumer contract-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX See, e.g., 12 U.S.C . 5481 ( 12 ) ( F ), 5512 ( b ), 5514 ( c ), 5515 ( c ), and also Sub title E ( 12 U.S.C.5561 5567 ) ; 15 U.S.C. 1681s ( b ) ( 1 ) ( H ), ( e ). Authority over 15 U.S.C. 1681m ( e ) and 1681w are limited to the Federal banking agencies, the NCUA, the FTC, the CFTC, and SEC. 1. 15 U.S.C. 1681s. States can directly bring actions under FCRA. See 12 U.S.C. 1681s ( c ) .States can al so bring actions under the Consumer Financial Protection Act ( CFPA ) against covered persons and service providers based upon violations of federal consumer financial laws, including the FCRA . See Authority of States to Enforce the Consumer Financial Protection Act of 2010, 87 FR 31940 XXXX XXXX XXXX XXXX XXXX 2. 15 U.S.C. 1681n, 1681o. 3. See, e.g., Consumer Financial Protection Bureau, Supervisory Highlights ( XXXX XXXX XXXX XXXX XXXX, https : XXXX 2014.pdf. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, D. Md. No. 19-Civ-2817 XXXX XXXX XXXX XXXX XXXX XXXX XXXX. With respect to furnisher direct disputes, see 74 FR 31,484, 31,500 XXXX XXXX XXXX XXXX XXXX ( Some industry commenters also suggested that the Agencies issue a model direct dispute complaint form, with some advocating that consumers be required to use the model complaint form. The Agencies decline to adopt these suggestions because such requirements would cause otherwise valid disputes to b e rejected as frivolous or irrelevant due solely to the consumer 's failure to meet a technical requirement that probably would be unknown to the consumer. ) 6. 15 U.S.C. 1681i ( a ) ( 3 ) ( A ) ( identifying which disputes the consumer reporting agency can determine to be frivolous or irrelevant ) ; 12 CFR 1022.43 ( f ) ( 1 ) ( identifying which disputes the furnisher can determine to be frivolous or irrelevant ). 7. 15 U.S.C.1681i ( a ) ( 3 ) ( Consumer reporting agency frivolous or irrelevant determination ) ; 12 CFR 1022.43 ( f ) ( furnisher direct dispute frivolous or irrelevant determination ). \n8. 15 U.S.C. 1681s-2 ( b ). See Brief for Consumer Financial Protection Bureau and Federal Trade Commission as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ). XXXX. XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ). XXXX. Consumer Financial Protection Bureau, XXXX XXXX ( XXXX XXXX, XXXX ), at XXXX XXXX XXXX XXXX ( alerting furnishers to the fact that consumer reporting agencies have begun forwarding images of relevant documentation to furnishers as part of the reasonable investigation of disputes ). 11. For example, a copy of a bill supporting the consumers dispute conveys information regarding the persuasiveness of a consumers dispute that data about the bill would not. 12. Federal Trade Commission, XXXX Years of Experience with the Fair Credit Reporting Act : An FTC Staff Report with Summary of Interpretations ( XXXX. XXXX ), at XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX ( XXXX does not comply with this provision if it merely indicates the nature of the dispute, without communicating to the furnisher the specific relevant information received from the consumer. For example, if the consumer claimed never late and submitted documentation ( such as cancelled checks ) to support his/her dispute, a CRA does not comply with the requirement that is provide all relevant information if it simply notifies the furnisher that the consumer disputes the payment history without communicating the evidence received. ). 13. 2115 U.S.C. 1681s-2 ( b ) ( 1 ) ( B )","date_sent_to_company":"2024-01-30T17:38:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"27610","tags":null,"has_narrative":true,"complaint_id":"8252437","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2024-01-30T17:38:42.000Z","state":"NC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have also sent <em>over</em> a certified notarized affidavit of truth upon sending my letters, I spoke with representatives at XXXX XXXX XXXX XXXX XXXX XXXX  LEXISNEXIS XXXX about the fraudulent <em>accounts</em> and information that is consistently <em>been</em> on my consumer report, their investigation fixed nothing these are the <em>accounts</em> of the violations via FCRA and California consumer privacy act."]},"sort":[5.4401813,"8252437"]},{"_index":"complaint-public-v1","_id":"8252436","_score":5.421301,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My name is XXXX XXXX XXXX XXXX XXXX My Only Address XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX The last XXXX my SSN # XXXX My Only XXXX Only XX/XX/XXXX I have reached out to XXXX XXXX XXXX INNOVIS DATA SOLUTIONS XXXX XXXX via sign, certified letters and the debt XXXX. I have also sent over a certified notarized affidavit of truth upon sending my letters, I spoke with representatives at XXXX XXXX XXXX INNOVIS DATA SOLUTIONS XXXX XXXX about the fraudulent accounts and information that is consistently been on my consumer report, their investigation fixed nothing these are the accounts of the violations via FCRA and California consumer privacy act. I have reached out to the BBB, the FTC, the California and STATE ATTORNEY GENERAL AND California consumer protection and innovation 15 USC 1681| ( A ) ( 1 ) ( A ) ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from thefile in accordance with paragraph ( 5 ), before end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. \" So I then asked them to provide me a description of the investigation according to 15 USC 16811 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. I allege that XXXX XXXX XXXX INNOVIS DATA SOLUTIONS XXXX XXXX are in blatant violation of the following U.S. codes and legislation for the reasons specified : 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt. 15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports.15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681i : Inadequate procedures for disputing the accuracy of my consumer reports. 15 U.S. Code 1681b : Unauthorized access or use of my consumer reports for impermissible purposes. XXXX. XXXX Social Security Number Privacy and Identity Theft Prevention Act of 2007 : Unauthorized use or disclosure of my Social Security numbers. Section 326 of the USA PATRIOT Act : Failure to verify my identification by financial institutions. Gramm-Leach-Bliley Act, Section 501 : Failure to ensure the security and confidentiality of my personal and financial information. Gramm-Leach-Bliley Act, Section 502 : Unauthorized sharing of my non-public personal information with non-affiliated third parties. Gramm-Leach- Bliley Act, Section 504 : Non- compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15USC 1681ad ) ( 2 ( A/i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been \" validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUTmailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal RevenueService against ALL entities involved.TITLE XXXX. XXXX [ XXXX - XXXX ] ( Title XXXX added by Stats. XXXX, XXXX. XXXX, Sec. XXXX ) XXXX. Consumers Right to Correct Inaccurate Personal Information ( a ) A consumer shall have the right to request a business that maintains inaccurate personal information about the consumer to correct that inaccurate personal information, taking into account the nature of the personal information and the purposes of the processing of the personal information. ( b ) A business that collects personal information about consumers shall disclose, pursuant to Section 1798.130, the consumers right to request correction of inaccurate personal information. ( c ) A business that receives a verifiable consumer request to correct inaccurate personal information shall use commercially reasonable efforts to correct the inaccurate personal information as directed by the consumer, pursuant to Section 1798.130 and regulations adopted pursuant to paragraph ( 8 ) of subdivision ( a ) of Section 1798.185. ( Added XX/XX/XXXX, by initiative Proposition XXXX, Sec. XXXX. Effective XX/XX/XXXX. XXXX XX/XX/XXXX, pursuant to Sec. 31 of Proposition 24. ) 1798.120. Consumers Right to Opt Out of Sale or Sharing of Personal Information ( a ) A consumer shall have the right, at any time, to direct a business that sells or shares personal information about the consumer to third parties not to sell or share the consumers personal information. This right may be referred to as the right to opt- out of sale or sharing. ( b ) A business that sells consumers personal information to, or shares it with, third parties shall provide notice to consumers, pursuant to subdivision ( a ) of Section 1798.135, that this information may be sold or shared and that consumers have the right to opt-out of the sale or sharing of their personal information** 1 See, e.g., 12 U.S.C. 5481 ( 12 ) ( F ), 5512 ( b ), 5514 ( c ), 5515 ( c ), and also Sub title E ( 12 U.S.C.5561 5567 ) ; 15 U.S.C. 1681s ( b ) ( 1 ) ( H ), ( e ). Authority over 15 U.S.C. 1681m ( e ) and 1681w are limited to the Federal banking agencies, the NCUA, the FTC, the CFTC, and SEC. 1. 15 U.S.C. 1681s. States can directly bring actions under FCRA. See 12 U.S.C. 1681s ( c ) .States can al so bring actions under the Consumer Financial Protection Act ( CFPA ) against covered persons and service providers based upon violations of federal consumer financial laws, including the FCRA XXXX See Authority of States to Enforce the Consumer Financial Protection Act of 2010, 87 FR 31940 ( XX/XX/XXXX ). 2. 15 U.S.C. 1681n, 1681o. 3. See, e.g., Consumer Financial Protection Bureau, Supervisory Highlights ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX See, e.g., Complaint at XXXX, CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ). XXXX. With respect to furnisherThis is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are requiredby federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed Data Removal : Immediate removal of all my existing personal and financial information from your website, databases, and any affiliated entities. This request pertains to all data currently held by your organization. XXXX. XXXX XXXX for Future Interactions : Implement robust security measures to prevent unauthorized access to any new information that may be collected. This request applies to any future interactions I may have with your organization and is not in conflict with my request for the removal of existing data. 3. Transparency : Full disclosure of any third parties with whom my information has been shared, along with immediate cessation of such sharing. 4. Notification : Prompt notification to me of all actions taken to secure my information and prevent further violations. 5. Legal Compliance : Immediate review and adherence to all relevant U.S. codes and legislation cited in this affidavit to ensure full compliance. Non-Consent and Settlement : Final Warning and Unambiguous Clarification 1as you can see here again, they blatantly violate the ( FCRA15 U.S. Code 1681s2 - ) Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice andconfirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate XXXX XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729- 3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXXXXXX XXXX  XXXXfurnishing this XXXX to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are requiredby federal law to verify through the physical verification of the original signed consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  See, e.g., 12 U.S.C . 5481 ( 12 ) ( F ), 5512 ( b ), 5514 ( c ), 5515 ( c ), and also Sub title E ( 12 U.S.C.5561 5567 ) ; 15 U.S.C. 1681s ( b ) ( 1 ) ( H ), ( e ). Authority over 15 U.S.C. 1681m ( e ) and 1681w are limited to the Federal banking agencies, the NCUA, the FTC, the CFTC, and SEC. 1. 15 U.S.C. 1681s. States can directly bring actions under FCRA. See 12 U.S.C. 1681s ( c ) .States can al so bring actions under the Consumer Financial Protection Act ( CFPA ) against covered persons and service providers based upon violations of federal consumer financial laws, including the FCRA XXXX See Authority of States to Enforce the Consumer Financial Protection Act of 2010, 87 FR 31940 ( XX/XX/XXXX ). 2. 15 U.S.C. 1681n, 1681o. 3. See, e.g., Consumer Financial Protection Bureau, Supervisory Highlights XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX. XXXX. See, e.g., Complaint at XXXX, CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Md. No. XXXX ( XXXX XXXX XXXX, XXXX ). XXXX. With respect to furnisher direct disputes, see XXXX XXXX XXXX, XXXX ( XX/XX/XXXX ) ( Some industry commenters also suggested that the Agencies issue a model direct dispute complaint form, with some advocating that consumers be required to use the model complaint form. The Agencies decline to adopt these suggestions because such requirements would cause otherwise valid disputes to b XXXX rejected as frivolous or irrelevant due solely to the consumer 's failure to meet a technical requirement that probably would be unknown to the consumer. ) 6. 15 U.S.C. 1681i ( a ) ( 3 ) ( A ) ( identifying which disputes the consumer reporting agency can determine to be frivolous or irrelevant ) ; 12 CFR 1022.43 ( f ) ( 1 ) ( identifying which disputes the furnisher can determine to be frivolous or irrelevant ). 7. 15 U.S.C.1681i ( a ) ( 3 ) ( Consumer reporting agency frivolous or irrelevant determination ) ; 12 CFR 1022.43 ( f ) ( furnisher direct dispute frivolous or irrelevant determination ).\n\n8. 15 U.S.C. 1681s-2 ( b ). See Brief for Consumer Financial Protection Bureau and Federal Trade Commission as XXXX XXXX Supporting Plaintiff-Appellant, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ). XXXX. XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ). XXXX. Consumer Financial Protection Bureau, XXXX XXXX ( XXXX XXXX, XXXX ), at XXXX, XXXX XXXX XXXX  ( alerting furnishers to the fact that consumer reporting agencies have begun forwarding images of relevant documentation to furnishers as part of the reasonable investigation of disputes ). 11. For example, a copy of a bill supporting the consumers dispute conveys information regarding the persuasiveness of a consumers dispute that data about the bill would not. 12. Federal Trade Commission, 40 Years of Experience with the Fair Credit Reporting Act : An FTC XXXX Report with Summary of Interpretations ( XXXX. XXXX ), at XXXX, XXXX XXXX XXXX XXXX XXXX ( ACRA does not comply with this provision if it merely indicates the nature of the dispute, without communicating to the furnisher the specific relevant information received from the consumer. For example, if the consumer claimed never late and submitted documentation ( such as cancelled checks ) to support his/her dispute, a CRA does not comply with the requirement that is provide all relevant information if it simply notifies the furnisher that the consumer disputes the payment history without communicating the evidence received. ). 13. 2115 U.S.C. 1681s-2 ( b ) ( 1 ) ( B )","date_sent_to_company":"2024-01-30T17:38:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"27610","tags":null,"has_narrative":true,"complaint_id":"8252436","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CBC Companies, Inc.","date_received":"2024-01-30T17:38:42.000Z","state":"NC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have also sent <em>over</em> a certified notarized affidavit of truth upon sending my letters, I spoke with representatives at XXXX XXXX XXXX INNOVIS DATA SOLUTIONS XXXX XXXX about the fraudulent <em>accounts</em> and information that is consistently <em>been</em> on my consumer report, their investigation fixed nothing these are the <em>accounts</em> of the violations via FCRA and California consumer privacy act."]},"sort":[5.421301,"8252436"]},{"_index":"complaint-public-v1","_id":"12621623","_score":5.3815775,"_source":{"product":"Checking or savings account","complaint_what_happened":"By means of this letter, I, XXXX XXXX XXXX XXXX XXXX, XXXX, single, identity card XXXX, residing in XXXX, XXXX, am addressing you in order to greet you and in turn to explain the situation that I have been presenting with the WELLS FARGO Financial Institution , First of all, I would like to present a series of situations ( frauds ) that, although they were resolved at the time by the banking institution, demonstrate and prove as background, that there is a deficiency in terms of XXXX policies , security and protection of my data as a WELLS FARGO client, in addition to demonstrating the disorder and bad financial practices towards its clients by the bank. 1.-Since XXXX, I have been a WELLS FARGO client, through a checking account whose last numbers were XXXX, when it was still XXXX XXXX ; 2.- In XXXX, the financial institution became WELLS FARGO and proceeded, without my consent, to open a savings account identified with the last four numbers XXXX ( Annex 1 ), which is evidence of identity theft by using my data to open an unsolicited financial instrument. According to information provided by the bank via email on XX/XX/XXXX, the financial institution indicates that the aforementioned account was closed on XX/XX/XXXX ; however, there is no evidence that the closure actually occurred on that date. A copy of the aforementioned email dated XX/XX/XXXX, is attached to this document ( Annex 2 ). 3.- By virtue of this fraudulent issuance, which was executed using my data without authorization, in that same email dated XX/XX/XXXX, the bank promised to study the situation and incorporate it into the MEDIATION PROGRAM OFFICE, and promises to send the MEDIATION REQUEST FORM. A situation that has not occurred to date, since it has not sent the aforementioned form. Likewise, the banking institution indicates that if the form is not received, call a telephone number that is not indicated in your email, which seems like a mockery to me as a customer. 4.-Now, continuing with the statement of the situations presented with the bank, in XXXX and XXXX, I was again the victim of multiple frauds ( ONLINE ) by electronic transfer to the account ending in XXXX, SINCE I NEVER MANAGED TO REGISTER IN ONLINE BANKING FROM XXXX, said frauds amounted to {$6900.00}, as acknowledged by the financial institution at the time, ratified by email dated XX/XX/XXXX. The claim was filed on XX/XX/XXXX, and the bank accepted and refunded the money on XX/XX/XXXX. ( Annex 3 ). 5.-After making the call and notifying the fraud, the financial institution temporarily suspended my account XXXX, without prior authorization, as evidenced by the email dated XX/XX/XXXX, which appears to be a bad practice by the banking institution ( Annex 4 ) ; 6.- Now, in response to the frauds reported in account XXXX, on XX/XX/XXXX, WELLS FARGO decided to open a new account identified with the last four digits XXXX, \" SUPPOSEDLY TO PROTECT MY FUNDS FROM FRAUD '', in this account they will make the total deposit of all my funds, with this account change the financial institution did not allow me to know the full account number, because it required the change of address to a domicile in the XXXX. 7.-During this procedure to update or require a new address in the XXXX, WELLS FARGO kept my account frozen, from XXXX to XX/XX/XXXX, date on which I managed to gain access to my account information, delivering the LEGALIZED AND APOSTILLED AFFIDAVIT. 8.- As a requirement for the change of address, the WELLS FARGO bank requested a \" LEGALIZED AND APOSTILLED AFFIDAVIT '' by Venezuelan authorities, which were appointed by people sanctioned by XXXX ( XXXX TREASURY OFFICE ) . After a year and a half, on XX/XX/XXXX, the company sent an email, making known the total number or digits of my new account. In that same email dated XX/XX/XXXX, the affidavit is required, which is signed by named persons, who have been sanctioned by XXXX ( XXXX TREASURY OFFICE ). ( Annex 5 ) 9.-On XX/XX/XXXX, WELLS FARGO sent an email, which provided evidence and indicated that account XXXX was issued on XX/XX/XXXX, and that it was FROZEN. The account remained in that condition for more than two ( 2 ) years, causing financial and emotional damage. ( Annex 6 ) via email ( annex 7 ) from the company WELLS FARGO information to register for online banking, which shows that on that date it was impossible to know the operations carried out in my account XXXX, to date I had not been able to register in WELLS FARGO ONLINE, as evidenced by the email dated XX/XX/XXXX ( annex 8 ). 11.-On XX/XX/XXXX, WELLS FARGO notifies me via email about the issuance of the card, which allowed me to register at WELLS FARGO ON LINE. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by telephone communication and then by email, I notified WELLS FARGO of another fraud, this time carried out on XX/XX/XXXX, for an amount of {$1700.00}, even though the account was FROZEN, according to the email provided by them on XX/XX/XXXX ; even more so without having access to online banking, as already demonstrated ; that is, they make a withdrawal from my account SUPPOSEDLY FROZEN BY WELLS FARGO AND WITHOUT HAVING ACCESS TO ONLINE BANKING, which demonstrates a lack of security in the protection of my funds and my personal information by the bank and its employees. It is already evident that the staff handled my personal information dishonestly. XXXX XXXX XXXX XXXX XXXX Now, the aforementioned claim was satisfactorily resolved by WELLS FARGO according to an email dated XX/XX/XXXX and the money was returned to my account, however, it is observed that in less than XXXX  years after making the account change, another fraud was committed. Since in XX/XX/XXXX the new account was opened, and the fraud was executed in XX/XX/XXXX. ( XXXX XXXX XXXX XXXX.-As a result of all the frauds presented with the company WELLS FARGO , in XX/XX/XXXX, and the desperation due to the situation presented with the BANK, I made the complaint to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  which is attached to this document ( annex XXXX XXXX XXXX-On XX/XX/XXXX, the XXXX acknowledges receipt of the complaints resulting from the various frauds, and forwards the content to the FINANCIAL CONSUMER PROTECTION BUREAU ( CFPB ), since it does not have jurisdiction over the complaint filed ( annex XXXX XXXX XXXX XXXX XXXX XXXX  via email, I notify WELLS FARGO of the occurrence of a new fraud in my account XXXX, for an amount of {$3000.00}, resulting from the collection of a check identified with the number ( XXXX ), made on XX/XX/XXXX. ( XXXX XXXX XXXX XXXX.-Although in the aforementioned email WELLS FARGO was informed that I have never received a check or checkbook, since I have never requested it from the bank, the financial institution was never able to demonstrate how the request and delivery of the aforementioned check was made. XXXX.-Now, on XX/XX/XXXX, via email, the company assigned a case number to the claim filed on XX/XX/XXXX, indicating that they received the complaint and would conduct the corresponding investigation. ( Annex XXXX XXXX XXXX On XX/XX/XXXX, a letter was received via postal mail dated XX/XX/XXXX ; supposedly issued by WELLS FARGO, without signature or stamp, by which it informs that they reject the claim, having made the notification outside the period established in the account contract. ( annex XXXX XXXX XXXX.-Now, on XX/XX/XXXX, the company WELLS FARGO decides to change the name and conditions of my account contract, going from ESSENTIAL CHECKING to EVERIDAY CHECKING, without informing the new conditions of the contract. XXXX-It is important to mention that the check identified with the number XXXX, the result of the fraud, was deposited just on the day of the account change, that is, on XX/XX/XXXX, so it is presumed that there is a leak of internal information and it is requested to investigate how many frauds are under this same operation or type of crime ; XXXX.- Regarding the rejection of the complaint by WELLS FARGO, on XX/XX/XXXX, a reconsideration of the case was requested via email, claiming a series of considerations, among which the bank did not verify or demonstrate delivery of a checkbook since I HAVE NEVER REQUESTED A CHEQUE OR A CHEQUE ; a situation that was overlooked, focusing solely on the period to respond, established in the supposed new contract, which as I have already indicated was never provided by the financial institution at the time of the account change. ( Annex XXXX XXXX XXXX.-On XX/XX/XXXX, via email it was emphasized that I DO NOT KEEP A CHECKBOOK WITH THAT FINANCIAL INSTITUTION, a situation that the company did not pay attention to in this complaint, one of the most important points being to know the process of issuing the check, maintaining its position in the face of a lapse of time, ignoring to investigate where the aforementioned check came from XXXX. Email that was never attended to by the aforementioned financial institution. The company has never shown that I have requested a check or checkbook, omitting to make reference to this situation. ( Annex XXXX XXXX XXXXOn XX/XX/XXXX, by email The company WELLS FARGO XXXX makes a series of clarifications regarding the statements expressed in the email dated XX/XX/XXXX ; maintaining the position of rejecting the claim due to the expiration of the period established in the contract. Ignoring the allegations raised regarding the fact that I HAVE NEVER REQUESTED A CHECK OR CHECKBOOK and ignoring the response to this point, among other things. The approach taken by the financial institution of not investigating in depth where the aforementioned check identified with the number XXXX came from is striking. ( Annex XXXX XXXX XXXX.-In the same email dated XX/XX/XXXX, the company WELLS FARGO attached a contract in PDF format for the first time, and informed me of the conditions of the new account. The aforementioned contract indicates the effective date as XX/XX/XXXX. However, the fraud occurred on XX/XX/XXXX. ( Annex XXXX XXXX XXXX.- Now aware of the conditions of the contract for the new account, which was provided by the banking institution in the email of XX/XX/XXXX, I again request the reconsideration of the case via email dated XX/XX/XXXX, where, among other things, the validity of the contract is alleged, considering that conditions can not be applied retroactively to operations carried out prior to the validity of the contract, and it is ratified once again that THE BANK HAS NOT PROVEN THAT I HAVE REQUESTED OR RECEIVED CHECKS OR CHECKBOOKS FROM THE BANK, and what was indicated by the company is refuted when reporting that from its investigations I did not observe elements of fraud in the operation of check XXXX. ( Annex XXXX XXXX XXXX.-In the email dated XX/XX/XXXX ( annex XXXX  ), a copy of the aforementioned check XXXX is requested, since from the review carried out via online banking, the check was not loaded and could not be viewed. XXXX.-On XX/XX/XXXX, WELLS FARGO, via email, responded to the observations indicated in the email dated XX/XX/XXXX and sent a copy of check XXXX, which until then was unknown to me. ( Annex XXXX XXXX XXXX. -From the review carried out on the WELLS FARGO email, dated XX/XX/XXXX, new elements emerged, regarding the operation carried out with the aforementioned CHECK XXXX, which were set forth in the letter sent via email dated XX/XX/XXXX, ( annex XXXX XXXX XXXX.-Likewise, on XX/XX/XXXX ( Annex XXXX  ), after an analysis of the structure of check number XXXX, new considerations were made regarding the case, among which it is evident that the check is FALSE, which demonstrates not only that there is fraud in the operation of the aforementioned check, IT IS ALSO EVIDENT OF THE LIGHT AND BAD PRACTICE OF THE BANK IN THE INVESTIGATION AND ANALYSIS OF THE CASE, among which the following can be indicated : a. -The bank NEVER gave me the complete report of the results and analysis of the case, even though it was requested on several occasions, which may indicate that it was hiding something ; b.- No thorough investigation was carried out by the bank regarding the origin of the check ; c. -The aforementioned financial institution does not make reference to the fake check, and evades its responsibility in the payment of a fake check in a high-risk jurisdiction such as XXXX ; d. -The bank refuses to acknowledge its responsibility by washing its hands and ignoring the obvious violation of the warning signs and failure to submit suspicious activities, in the deposit of a check from a company located in a XXXX XXXX  such as XXXX, with a check that does not meet the minimum characteristics required by the bank, and with a lack of signatures on the endorsement that would allow for the identification of the final beneficiary and the exchange operator who receives the check. e. -It is evident that there is complicity and organized crime in the collection operations of check number XXXX, since the company never offers information regarding the method of operation for issuing the check ; the bank never sends the final report with the results of the investigations ; the bank never proves that the check or checkbook was delivered to me ; the check is signed with a forged signature ; the check does not meet the security characteristics of the bank ; the check has a forged signature, and was deposited in an account of a legal entity in XXXX XXXX which I do not know XXXX XXXX XXXX '', trying to evade having the payment blocked for the fake check ; the only ones who have information about my account and signature are the employees and personnel of the WELLS FARGO bank, which refuses to admit that it made the payment of a fake check, without complying with the conditions of the contract. The check deposited in XXXX XXXX, XXXX, a financial institution linked to crimes of corruption, MONEY LAUNDERING AND XXXX XXXX, has no endorsement signature, there is no evidence of the person who receives the check at XXXX XXXX ; the tax information of the company that endorses the check XXXX XXXX  is not evident. f. -The bank denies me information as a client, to indicate the way in which the aforementioned instrument was issued ( whether online, or physically ), since it is evident that all the bank 's security measures were violated. On XX/XX/XXXX, WELLS FARGO Bank irregularly maintains its position of rejection, taking into account only the date of the fraud report. Completely evading the complaints and launching a fraud scheme of which I have been a victim for more than three years. ( Annex XXXX ) Based on the evidence provided, it can be inferred that WELLS FARGO and the bank 's staff could be involved in organized crime, since the bank 's staff is the only one who knows the information of my bank account, and my signature as a client, which is on file. Additionally, it is evident that the bank violated its XXXX policies, or at least they were not efficient, since it only limited itself to verifying the client 's signature, which I do not recognize, and not the characteristics of the financial instrument, when canceling a fake check, without the proper verification of this type of operations to countries determined as tax havens such as XXXX, and the many violations of the characteristics of this type of operation, among which we can mention : 1.-The only ones who know the signature on my account are the bank employees ; 2.-The only ones who know the account number information are the bank employees ; 3.-The company strangely refuses to provide information on how the check was issued, since it was never able to demonstrate how the check was requested and delivered to me, since I have never requested a check from the financial institution. 4-The payment for the fake check was deposited into a legal company account in XXXX, thus preventing the money from being detained in the XXXX financial system when it became clear that the check was fake, a situation that is also only known to bank employees ; 5.- Apparently all the actions taken for the operation of forgery and subsequent collection of the check, is a plot that can be used by bank officials using personal financial information, which is given to the bank for safekeeping in conjunction with third parties. 6.-The number of frauds of which I have been a victim, both online and by check, first to account XXXX and later when changing to XXXX, it is evident that there is banking complicity in this type of operations and one could presume organized crime, money laundering and transnational organized crime by now involving countries like XXXX in this type of operations. It is essential to investigate the WELLS FARGO bank and its XXXX methods, since it is evident that the verification of the information is not complied with, or how the bank made the payment of a check that is clearly false, without the corresponding information of the company \" XXXX XXXX \" in XXXX, additionally that the deposit was made in a bank that is allegedly linked to crimes of corruption, money laundering and XXXX XXXX, since when endorsing the check there is no signature and also no tax information of the company and the depositor. ( POSSIBLE TRANSNATIONAL ORGANIZED CRIME ACTIVITIES ). The approach that WELLS FARGO is giving to my case is TOTALLY UNACCEPTABLE. WELLS FARGO BANK IS RESPONSIBLE FOR THE SECURITY OF MY SAVINGS. What is the point of having deposited my savings and my trust in WELLS FARGO BANK. I have done everything possible to not make any expenses and to manage to maintain the balance of my account for years, since I have it as my retirement fund, which I hope to increase to the best of my ability. In this sense, it is necessary to expose the degree of stress that this situation has caused me, again, since as I have been telling you in the emails sent, I have been a victim of FRAUD in the years XXXX, XXXX, XXXX and XXXX. There is no word to describe the effect that this has caused in me, keeping me in constant ANGER. Will WELLS FARGO be held responsible for any damages caused to me? REQUEST I request that the company WELLS FARGO be investigated for noncompliance or weaknesses in its XXXX policy, as well as investigate the alleged acts of transnational organized crime and possible money laundering ( asset laundering ), THAT the identity theft be INVESTIGATED, and possible complaints made by third parties with similar characteristics or typologies carried out, that occurred in the bank during the change of accounts and collection of false checks, as well as payment in or authorized deposits to accounts at XXXX XXXX, XXXX of XXXX, since it clearly seems to be a scheme for money laundering, and collection of money from illicit activities. I also request that the bank be recognized as responsible for authorizing the payment of a FALSE check, which violates the terms of the contract, and I demand the return of my money that I have worked so hard to keep, since the bank never proved that it gave me a check or a checkbook, nor did it prove that I requested the check that was authorized for payment. Finally, the possibility of compensation is being studied for all the \" FRAUD '' that has occurred in my account, which has caused XXXX XXXX XXXX XXXX XXXX, especially when I am in XXXX and it is difficult for me to file a claim directly with the bank, in addition to all the limitations and blockages of my funds that the bank has made without my consent, and the violations of identity and security of my data. I look forward to your collaboration and support. XXXX Phone XXXX.","date_sent_to_company":"2025-03-24T20:59:06.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30004","tags":null,"has_narrative":true,"complaint_id":"12621623","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-03-24T20:39:42.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["After a year and a half, on XX/XX/XXXX, the company sent an email, making known the total number or digits of my new <em>account</em>. In that same email dated XX/XX/XXXX, the affidavit is required, which is signed by named <em>persons</em>, who have <em>been</em> sanctioned by XXXX ( XXXX TREASURY OFFICE ). ( Annex 5 ) 9.-On XX/XX/XXXX, WELLS FARGO sent an email, which provided evidence and indicated that <em>account</em> XXXX was issued on XX/XX/XXXX, and that it was FROZEN."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[5.3815775,"12621623"]},{"_index":"complaint-public-v1","_id":"8190790","_score":4.9757595,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My Only First & Last Name ( XXXX XXXX XXXX ) My Only Address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX The last 4of my SSN # XXXX My Only XX/XX/XXXX I have reached out to XXXX XXXX EQIUFAX XXXX XXXX XXXX XXXXXXXX XXXX via sign, certified letters and the debt collectors. I have also sent over a certified notarized affidavit of truth upon sending my letters, I spoke with representatives at XXXX XXXX EQIUFAX  XXXX XXXX XXXX XXXX XXXX about the fraudulent accounts and information that is consistently been on my consumer report, their investigation fixed nothing these are the accounts of the violations via FCRA and California consumer privacy act. I have reached out to the XXXX, the FTC, the California and STATE ATTORNEY GENERAL AND California consumer protection and innovation 15 USC 1681| ( A ) ( 1 ) ( A ) ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. \" So I then asked them to provide me a description of the investigation according to 15 USC 16811 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. \nBut they did not do that as well either. I allege that XXXX XXXX EQIUFAX  XXXX XXXX XXXX XXXX  XXXX are in blatant violation of the following U.S. codes and legislation for the reasons specified : 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt. 15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports.15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681i : Inadequate procedures for disputing the accuracy of my consumer reports. 15 U.S. Code 1681b : Unauthorized access or use of my consumer reports for impermissible purposes. H.R. 3046 Social Security Number Privacy and Identity Theft Prevention Act of XXXX : Unauthorized use or disclosure of my Social Security numbers. Section 326 of the USA PATRIOT Act : Failure to verify my identification by financial institutions. Gramm-Leach-Bliley Act, Section 501 : Failure to ensure the security and confidentiality of my personal and financial information. Gramm-Leach-Bliley Act, Section 502 : Unauthorized sharing of my non-public personal information with non-affiliated third parties. Gramm-Leach- Bliley Act, Section 504 : Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk. Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED DEPT OF ED DEPT OF ED DEPT OFED DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Open Dollar Amount {$390.00} {$500.00} {$620.00} {$370.00} {$1000.00} {$100000.00} {$3500.00} {$6000.00} {$2300.00} {$2800.00} {$2000.00} {$9.00} XXXX {$2100.00} {$310.00} {$3100.00} {$44000.00} {$5000.00} {$1900.00} {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681ad ) ( 2 ( A/i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been \" validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.TITLE 1.81.5. California Consumer Privacy Act of 2018 [ 1798.100 - 1798.199.100 ] ( Title 1.81.5 added by Stats. 2018, Ch. 55, Sec. 3. ) -1798.106. \nConsumers Right to Correct Inaccurate Personal Information ( a ) A consumer shall have the right to request a business that maintains inaccurate personal information about the consumer to correct that inaccurate personal information, taking into account the nature of the personal information and the purposes of the processing of the personal information. \n( b ) A business that collects personal information about consumers shall disclose, pursuant to Section 1798.130, the consumers right to request correction of inaccurate personal information. \n( c ) A business that receives a verifiable consumer request to correct inaccurate personal information shall use commercially reasonable efforts to correct the inaccurate personal information as directed by the consumer, pursuant to Section 1798.130 and regulations adopted pursuant to paragraph ( 8 ) of subdivision ( a ) of Section 1798.185. \n( Added XX/XX/XXXX, by initiative Proposition 24, Sec. 6. Effective XX/XX/XXXX. Operative XX/XX/XXXX, pursuant to Sec. 31 of Proposition 24. ) 1798.120. \nConsumers Right to Opt Out of Sale or Sharing of Personal Information ( a ) A consumer shall have the right, at any time, to direct a business that sells or shares personal information about the consumer to third parties not to sell or share the consumers personal information. This right may be referred to as the right to opt-out of sale or sharing. \n( b ) A business that sells consumers personal information to, or shares it with, third parties shall provide notice to consumers, pursuant to subdivision ( a ) of Section 1798.135, that this information may be sold or shared and that consumers have the right to opt-out of the sale or sharing of their personal information**1See, e.g., 12 U.S.C. 5481 ( 12 ) ( F ), 5512 ( b ), 5514 ( c ), 5515 ( c ), and also Sub title E ( 12 U.S.C.5561 5567 ) ; 15 U.S.C. 1681s ( b ) ( 1 ) ( H ), ( e ). Authority over 15 U.S.C. 1681m ( e ) and 1681w are limited to the Federal banking agencies, the NCUA, the FTC, the CFTC, and SEC. \n1.15 U.S.C. 1681s. States can directly bring actions under FCRA. See 12 U.S.C. 1681s ( c ) .States can al so bring actions under the Consumer Financial Protection Act ( CFPA ) against covered persons and service providers based upon violations of federal consumer financial laws, including the FCRA XXXX See Authority of States to Enforce the Consumer Financial Protection Act of 2010, 87 FR 31940 ( XX/XX/XXXX ). \n2.15 U.S.C. 1681n, 1681o. \n3.See, e.g., Consumer Financial Protection Bureau , Supervisory Highlights ( Spring XXXX ), at XXXX, XXXX XXXX XXXXXXXX.consumerfinance.gov/XXXX \n4.See, e.g., Complaint at 15, CFPB v. Fair Collections & Outsourcing , Inc. , D. Md . No. 19-Civ-2817 ( Filed XXXX XXXX, XXXX ). \n5.With respect to furnisher direct disputes, see 74 FR 31,484, 31,500 ( XX/XX/XXXX ) ( Some industry commenters also suggested that the Agencies issue a model direct dispute complaint form, with some advocating that consumers be required to use the model complaint form. The Agencies decline to adopt these suggestions because such requirements would cause otherwise valid disputes to b e rejected as frivolous or irrelevant due solely to the consumer 's failure to meet a technical requirement that probably would be unknown to the consumer. ) 6.15 U.S.C. 1681i ( a ) ( 3 ) ( A ) ( identifying which disputes the consumer reporting agency can determine to be frivolous or irrelevant ) ; 12 CFR 1022.43 ( f ) ( 1 ) ( identifying which disputes the furnisher can determine to be frivolous or irrelevant ). \n7.15 U.S.C. 1681i ( a ) ( 3 ) ( Consumer reporting agency frivolous or irrelevant determination ) ; 12 CFR 1022.43 ( f ) ( furnisher direct dispute frivolous or irrelevant determination ). \n8.15 U.S.C. 1681s-2 ( b ). See Brief for Consumer Financial Protection Bureau and Federal Trade Commission as XXXX XXXX Supporting Plaintiff-Appellant, Ingram v. Waypoint Resource Group , LLC, Third Circuit Court of Appeals ( No. 21-2430 ). \n9.15 U.S.C. 1681i ( a ) ( 2 ) ( A ). \n10.Consumer Financial Protection Bureau , Bulletin 2013-09 ( XXXX XXXX, XXXX ), at XXXX, XXXX XXXX XXXX.consumerfinance.gov/XXXX ( alerting furnishers to the fact that consumer reporting agencies have begun forwarding images of relevant documentation to furnishers as part of the reasonable investigation of disputes ). \n11.For example, a copy of a bill supporting the consumers dispute conveys information regarding the persuasiveness of a consumers dispute that data about the bill would not. \n12.Federal Trade Commission , 40 Years of Experience with the Fair Credit Reporting Act : An FTC Staff Report with Summary of Interpretations ( XXXX. XXXX ), at XXXX XXXX XXXX XXXXwww.ftc.gov/XXXX ( ACRA does not comply with this provision if it merely indicates the nature of the dispute, without communicating to the furnisher the specific relevant information received from the consumer. For example, if the consumer claimed never late and submitted documentation ( such as cancelled checks ) to support his/her dispute, a CRA does not comply with the requirement that is provide all relevant information if it simply notifies the furnisher that the consumer disputes the payment history without communicating the evidence received. ). \n13.2115 U.S.C. 1681s-2 ( b ) ( 1 ) ( B ) Account Name NOTICE TO PRINCIPAL IS NOTICE TO AGENT IS NOTICE TO PRINCIPAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED DEPT OF ED DEPT OF ED DEPT OFED DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Open Dollar Amount {$390.00} {$500.00} {$620.00} {$370.00} {$1000.00} {$100000.00} {$3500.00} {$6000.00} {$2300.00} {$2800.00} {$2000.00} {$9.00} XXXX {$2100.00} {$310.00} {$3100.00} {$44000.00} {$5000.00} {$1900.00} {$5300.00} XX/XX/XXXX, XX/XX/XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are requiredby federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed Data Removal : Immediate removal of all my existing personal and financial information from your website, databases, and any affiliated entities. This request pertains to all data currently held by your organization. 2. Data Security for Future Interactions : Implement robust security measures to prevent unauthorized access to any new information that may be collected. This request applies to any future interactions I may have with your organization and is not in conflict with my request for the removal of existing data. 3. Transparency : Full disclosure of any third parties with whom my information has been shared, along with immediate cessation of such sharing. 4. Notification : Prompt notification to me of all actions taken to secure my information and prevent further violations. 5. Legal Compliance : Immediate review and adherence to all relevant U.S. codes and legislation cited in this affidavit to ensure full compliance. Non-Consent and Settlement : Final Warning and Unambiguous Clarification 1as you can see here again, they blatantly violate the ( FCRA15 U.S. Code 1681s2 - ) Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729- 3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX XXXXfurnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are requiredby federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.Account NamXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED DEPT OF ED DEPT OF ED DEPT OFED DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Open Dollar Amount {$390.00} {$500.00} {$620.00} {$370.00} {$1000.00} {$100000.00} {$3500.00} {$6000.00} {$2300.00} {$2800.00} {$2000.00} {$9.00} XXXX {$2100.00} {$310.00} {$3100.00} {$44000.00} {$5000.00} {$1900.00} {$5300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-01-20T23:37:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91387","tags":null,"has_narrative":true,"complaint_id":"8190790","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-01-20T23:37:15.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have also sent <em>over</em> a certified notarized affidavit of truth upon sending my letters, I spoke with representatives at XXXX XXXX EQIUFAX  XXXX XXXX XXXX XXXX XXXX about the fraudulent <em>accounts</em> and information that is consistently <em>been</em> on my consumer report, their investigation fixed nothing these are the <em>accounts</em> of the violations via FCRA and California consumer privacy act."]},"sort":[4.9757595,"8190790"]},{"_index":"complaint-public-v1","_id":"8192061","_score":4.9538264,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My Only First & Last Name ( XXXX XXXX XXXX ) My Only Address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX The last XXXX XXXXy SSN # XXXX My Only XX/XX/XXXX I have reached out to XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX via sign, certified letters and the debt collectors. I have also sent over a certified notarized affidavit of truth upon sending my letters, I spoke with representatives at XXXX TRANSUNION XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX about the fraudulent accounts and information that is consistently been on my consumer report, their investigation fixed nothing these are the accounts of the violations via FCRA and California consumer privacy act. I have reached out to the XXXX, the FTC, the California and STATE ATTORNEY GENERAL AND California consumer protection and innovation 15 USC 1681| ( A ) ( 1 ) ( A ) ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. \" So I then asked them to provide me a description of the investigation according to 15 USC 16811 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. \nBut they did not do that as well either. I allege that XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXXXXXX XXXX are in blatant violation of the following U.S. codes and legislation for the reasons specified : 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt. 15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports.15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681i : Inadequate procedures for disputing the accuracy of my consumer reports. 15 U.S. Code 1681b : Unauthorized access or use of my consumer reports for impermissible purposes. H.R. 3046 Social Security Number Privacy and Identity Theft Prevention Act of 2007 : Unauthorized use or disclosure of my Social Security numbers. Section 326 of the USA PATRIOT Act : Failure to verify my identification by financial institutions. Gramm-Leach-Bliley Act, Section 501 : Failure to ensure the security and confidentiality of my personal and financial information. Gramm-Leach-Bliley Act, Section 502 : Unauthorized sharing of my non-public personal information with non-affiliated third parties. Gramm-Leach- Bliley Act, Section 504 : Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk. Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Open Dollar Amount {$390.00} {$500.00} {$620.00} {$370.00} {$1000.00} {$100000.00} {$3500.00} {$6000.00} {$2300.00} {$2800.00} {$2000.00} {$9.00} XXXX {$2100.00} {$310.00} {$3100.00} {$44000.00} {$5000.00} {$1900.00} {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681ad ) ( 2 ( A/i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been \" validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.TITLE 1.81.5. California Consumer Privacy Act of 2018 [ 1798.100 - 1798.199.100 ] ( Title 1.81.5 added by Stats. 2018, Ch. 55, Sec. 3. ) -1798.106. \nConsumers Right to Correct Inaccurate Personal Information ( a ) A consumer shall have the right to request a business that maintains inaccurate personal information about the consumer to correct that inaccurate personal information, taking into account the nature of the personal information and the purposes of the processing of the personal information. \n( b ) A business that collects personal information about consumers shall disclose, pursuant to Section 1798.130, the consumers right to request correction of inaccurate personal information. \n( c ) A business that receives a verifiable consumer request to correct inaccurate personal information shall use commercially reasonable efforts to correct the inaccurate personal information as directed by the consumer, pursuant to Section 1798.130 and regulations adopted pursuant to paragraph ( 8 ) of subdivision ( a ) of Section 1798.185. \n( Added XX/XX/XXXX, by initiative Proposition 24, Sec. 6. Effective XX/XX/XXXX. Operative XX/XX/XXXX, pursuant to Sec. 31 of Proposition 24. ) 1798.120.\n\nConsumers Right to Opt Out of Sale or Sharing of Personal Information ( a ) A consumer shall have the right, at any time, to direct a business that sells or shares personal information about the consumer to third parties not to sell or share the consumers personal information. This right may be referred to as the right to opt-out of sale or sharing. \n( b ) A business that sells consumers personal information to, or shares it with, third parties shall provide notice to consumers, pursuant to subdivision ( a ) of Section 1798.135, that this information may be sold or shared and that consumers have the right to opt-out of the sale or sharing of their personal information**1See, e.g., 12 U.S.C. 5481 ( 12 ) ( F ), 5512 ( b ), 5514 ( c ), 5515 ( c ), and also Sub title E ( 12 U.S.C.5561 5567 ) ; 15 U.S.C. 1681s ( b ) ( 1 ) ( H ), ( e ). Authority over 15 U.S.C. 1681m ( e ) and 1681w are limited to the Federal banking agencies, the NCUA, the FTC, the CFTC, and SEC. \n1.15 U.S.C. 1681s. States can directly bring actions under FCRA. See 12 U.S.C. 1681s ( c ) .States can al so bring actions under the Consumer Financial Protection Act ( CFPA ) against covered persons and service providers based upon violations of federal consumer financial laws, including the FCRA . See Authority of States to Enforce the Consumer Financial Protection Act of 2010, 87 FR 31940 ( XX/XX/XXXX ). \n2.15 U.S.C. 1681n, 1681o. \n3.See, e.g., Consumer Financial Protection Bureau , Supervisory Highlights ( Spring XXXX ), at XXXX XXXX XXXX XXXX.consumerfinance.govXXXX \n4.See, e.g., Complaint at 15, CFPB v. Fair Collections & Outsourcing , Inc. , D. Md . No. 19-Civ-2817 ( Filed XXXX XXXX XXXX ). \n5.With respect to furnisher direct disputes, see 74 FR 31,484, 31,500 ( XX/XX/XXXX ) ( Some industry commenters also suggested that the Agencies issue a model direct dispute complaint form, with some advocating that consumers be required to use the model complaint form. The Agencies decline to adopt these suggestions because such requirements would cause otherwise valid disputes to b e rejected as frivolous or irrelevant due solely to the consumer 's failure to meet a technical requirement that probably would be unknown to the consumer. ) 6.15 U.S.C. 1681i ( a ) ( 3 ) ( A ) ( identifying which disputes the consumer reporting agency can determine to be frivolous or irrelevant ) ; 12 CFR 1022.43 ( f ) ( 1 ) ( identifying which disputes the furnisher can determine to be frivolous or irrelevant ). \n7.15 U.S.C. 1681i ( a ) ( 3 ) ( Consumer reporting agency frivolous or irrelevant determination ) ; 12 CFR 1022.43 ( f ) ( furnisher direct dispute frivolous or irrelevant determination ). \n8.15 U.S.C. 1681s-2 ( b ). See Brief for Consumer Financial Protection Bureau and Federal Trade Commission as XXXX XXXX Supporting Plaintiff-Appellant, Ingram v. Waypoint Resource Group , LLC, Third Circuit Court of Appeals ( No. 21-2430 ).\n\n9.15 U.S.C. 1681i ( a ) ( 2 ) ( A ). \n10.Consumer Financial Protection Bureau , Bulletin 2013-09 ( Sep. 4, 2013 ), at XXXX, XXXX XXXX XXXX.consumerfinance.govXXXX  ( alerting furnishers to the fact that consumer reporting agencies have begun forwarding images of relevant documentation to furnishers as part of the reasonable investigation of disputes ). \n11.For example, a copy of a bill supporting the consumers dispute conveys information regarding the persuasiveness of a consumers dispute that data about the bill would not. \n12.Federal Trade Commission , 40 Years of Experience with the Fair Credit Reporting Act : An FTC Staff Report with Summary of Interpretations ( XXXX. XXXX ), at XXXX XXXX XXXX //www.ftc.gov/sites/XXXX  ( ACRA does not comply with this provision if it merely indicates the nature of the dispute, without communicating to the furnisher the specific relevant information received from the consumer. For example, if the consumer claimed never late and submitted documentation ( such as cancelled checks ) to support his/her dispute, a CRA does not comply with the requirement that is provide all relevant information if it simply notifies the furnisher that the consumer disputes the payment history without communicating the evidence received. ). \n13.2115 U.S.C. 1681s-2 ( b ) ( 1 ) ( B ) Account Name NOTICE TO PRINCIPAL IS NOTICE TO AGENT IS NOTICE TO PRINCIPAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Open Dollar Amount {$390.00} {$500.00} {$620.00} {$370.00} {$1000.00} {$100000.00} {$3500.00} {$6000.00} {$2300.00} {$2800.00} {$2000.00} {$9.00} XXXX {$2100.00} {$310.00} {$3100.00} {$44000.00} {$5000.00} {$1900.00} {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are requiredby federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed Data Removal : Immediate removal of all my existing personal and financial information from your website, databases, and any affiliated entities. This request pertains to all data currently held by your organization. 2. Data Security for Future Interactions : Implement robust security measures to prevent unauthorized access to any new information that may be collected. This request applies to any future interactions I may have with your organization and is not in conflict with my request for the removal of existing data. 3. Transparency : Full disclosure of any third parties with whom my information has been shared, along with immediate cessation of such sharing. 4. Notification : Prompt notification to me of all actions taken to secure my information and prevent further violations. 5. Legal Compliance : Immediate review and adherence to all relevant U.S. codes and legislation cited in this affidavit to ensure full compliance. Non-Consent and Settlement : Final Warning and Unambiguous Clarification 1as you can see here again, they blatantly violate the ( FCRA15 U.S. Code 1681s2 - ) Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate XXXX TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729- 3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX  /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are requiredby federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-01-20T23:37:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91387","tags":null,"has_narrative":true,"complaint_id":"8192061","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-01-20T23:37:15.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have also sent <em>over</em> a certified notarized affidavit of truth upon sending my letters, I spoke with representatives at XXXX TRANSUNION XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX about the fraudulent <em>accounts</em> and information that is consistently <em>been</em> on my consumer report, their investigation fixed nothing these are the <em>accounts</em> of the violations via FCRA and California consumer privacy act."]},"sort":[4.9538264,"8192061"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":36,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":36}]}},"product":{"doc_count":36,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":16,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":16}]}},{"key":"Checking or savings account","doc_count":9,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":7},{"key":"Savings account","doc_count":2}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":5}]}},{"key":"Debt collection","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Auto debt","doc_count":2},{"key":"Medical debt","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"International money transfer","doc_count":2}]}},{"key":"Bank account or service","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other bank product/service","doc_count":1}]}}]}},"issue":{"doc_count":36,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":21,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":16},{"key":"Information is missing that should be on the report","doc_count":3},{"key":"Account status incorrect","doc_count":2}]}},{"key":"Managing an account","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Deposits and withdrawals","doc_count":5},{"key":"Problem using a debit or ATM card","doc_count":2},{"key":"Banking errors","doc_count":1},{"key":"Problem accessing account","doc_count":1}]}},{"key":"Took or threatened to take negative or legal action","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Seized or attempted to seize your property","doc_count":2},{"key":"Threatened to sue you for very old debt","doc_count":1}]}},{"key":"Fraud or scam","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Account opening, closing, or management","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":36,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":36}]}},"company_response":{"doc_count":36,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":22},{"key":"Closed with non-monetary relief","doc_count":13},{"key":"Closed with monetary relief","doc_count":1}]}},"submitted_via":{"doc_count":36,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":36}]}},"company":{"doc_count":36,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":6},{"key":"Experian Information Solutions Inc.","doc_count":5},{"key":"EQUIFAX, INC.","doc_count":4},{"key":"JPMORGAN CHASE & CO.","doc_count":4},{"key":"CBC Companies, Inc.","doc_count":2},{"key":"LEXISNEXIS","doc_count":2},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":2},{"key":"ALLY FINANCIAL INC.","doc_count":1},{"key":"BANK OF THE WEST","doc_count":1},{"key":"CORELOGIC INC","doc_count":1},{"key":"DISCOVER BANK","doc_count":1},{"key":"Dave Operating, LLC","doc_count":1},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":1},{"key":"Procollect Services LLC","doc_count":1},{"key":"Resurgent Capital Services L.P.","doc_count":1},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":1},{"key":"TransferWise Ltd","doc_count":1},{"key":"WELLS FARGO & COMPANY","doc_count":1}]}},"state":{"doc_count":36,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CA","doc_count":12},{"key":"NC","doc_count":6},{"key":"IL","doc_count":5},{"key":"GA","doc_count":4},{"key":"FL","doc_count":2},{"key":"TN","doc_count":2},{"key":"MD","doc_count":1},{"key":"MN","doc_count":1},{"key":"NM","doc_count":1},{"key":"OR","doc_count":1},{"key":"TX","doc_count":1}]}},"company_public_response":{"doc_count":36,"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":15},{"key":"Company believes complaint is the result of an isolated error","doc_count":1},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":1}]}},"tags":{"doc_count":36,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Older American","doc_count":3},{"key":"Servicemember","doc_count":2}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-15T12:00:00-05:00","last_indexed":"2026-07-15T12:00:00-05:00","total_record_count":16469162,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[4.9538264,"8192061"]}}}