{"took":395,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":20,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"18383376","_score":27.155098,"_source":{"product":"Checking or savings account","complaint_what_happened":"Hello, I am submitting updated information for my dispute regarding the fraud record appearing on my Early Warning Services report related to a XXXX account. \nAccount & Incident Details Bank : XXXX Account Type : Checking Incident Date : XX/XX/year> Instrument : Money Order Amount : {$770.00} Status : Blank/ Not endorsed/ Not completed/ Not authorized by me I opened the XXXX account myself. However, the {$770.00} money order associated with this fraud case was NOT completed by me, NOT endorsed by me, NOT deposited by me, and I did not authorize this transaction. I did not receive or benefit from any funds related to this money order. \n\nI contacted XXXX, and they directed me to dispute the record with Early Warning I filed an FTC fraud/identity theft report confirming this money order activity was NOT done by me This Early Warning listing is incorrectly associating me with fraud and is preventing me from opening bank accounts","date_sent_to_company":"2025-12-30T22:51:48.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Checking account","zip_code":"80247","tags":null,"has_narrative":true,"complaint_id":"18383376","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-12-30T22:27:56.000Z","state":"CO","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I contacted XXXX, and they directed me to dispute the record with Early <em>Warning</em> I <em>filed</em> an FTC <em>fraud</em>/<em>identity</em> <em>theft</em> <em>report</em> <em>confirming</em> this <em>money</em> order activity was NOT done by me This Early <em>Warning</em> listing is incorrectly associating me with <em>fraud</em> and is preventing me from opening bank accounts"],"issue":["Problem with <em>fraud</em> alerts or security freezes"],"company":["Early <em>Warning</em> Services, LLC"]},"sort":[27.155098,"18383376"]},{"_index":"complaint-public-v1","_id":"18870141","_score":19.051073,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint against Wells Fargo Bank , N.A . for unlawfully closing my business checking account without notice, falsely alleging fraud and identity theft, and improperly freezing and withholding my funds.\n\nAccount and Promotional Background Wells Fargo sent me multiple promotional offers encouraging me to open a business checking account. The offer stated that I would receive an {$820.00} bonus if I deposited and maintained {$25000.00} for 60 days. \nAccount opened : XX/XX/XXXX Initial deposit : {$25000.00} Account status : In good standing at all times No overdrafts, suspicious transactions, or violations I fully complied with all stated promotional and account requirements. \n\nAccount Freeze and Closure Without Notice On XX/XX/XXXX, Wells Fargo froze and closed my business checking account without prior notice. I was unable to log in and received a message stating that my credentials were XXXX. \n\nI did not receive any advance warning, request for verification, or opportunity to address any alleged concern before the account was closed. \n\nFalse Fraud and Identity Theft Allegations Wells Fargo later mailed a letter dated XX/XX/XXXX, which I received on XX/XX/XXXX, claiming that I was a victim of fraud and identity theft. \n\nThis allegation is false. \n\nWhen I called the phone number listed on the letter : A Wells Fargo representative accused me of being the person who allegedly contacted Wells Fargo to report the account as opened in error I did not make such a call The representative stated that my {$25000.00} would remain frozen and that there was nothing he could do I called Wells Fargo again and spoke with another representative who : Refused to release my funds Stated that I might be able to retrieve my money at a branch I then contacted a Wells Fargo branch in XXXX, XXXX, and was told : I could not withdraw my funds The account closure was a business decision Wells Fargo would continue holding my money despite closing the account Improper Withholding of Funds Despite closing my account, Wells Fargo continues to hold {$25000.00} of my money with no timeline, documentation, or lawful explanation. \n\nAt no point was I : Provided evidence supporting the fraud or identity theft claim Allowed to verify my identity Given written justification for the continued withholding of my funds Unfair and Deceptive Practices Wells Fargos actions appear to constitute unfair, deceptive, and abusive practices, including : Inducing me to open and fund an account with a promotional offer Closing the account before the promotional period concluded Making false allegations of fraud and identity theft Using those allegations to justify withholding my funds Attempting to avoid payment of the {$820.00} promotional bonus Resolution Requested I respectfully request that CFPB require Wells Fargo to : XXXX. Immediately release and return my {$25000.00} XXXX. Provide a written explanation and evidence supporting the fraud and identity theft allegation XXXX. Correct any internal or external records falsely indicating fraud or wrongdoing on my part XXXX. Confirm that no negative reporting has been or will be made to XXXX XXXX XXXX XXXX, or any credit bureau XXXX. Honor and pay the {$820.00} promotional bonus, which Wells Fargo induced me to open the account to earn Wells Fargos continued withholding of my funds without notice, proof, or due process is unacceptable and requires regulatory intervention.","date_sent_to_company":"2026-01-20T20:56:54.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"90247","tags":null,"has_narrative":true,"complaint_id":"18870141","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-01-20T20:50:01.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["Provide a written explanation and evidence supporting the <em>fraud</em> and <em>identity</em> <em>theft</em> allegation XXXX. Correct any internal or external records falsely indicating <em>fraud</em> or wrongdoing on my part XXXX. <em>Confirm</em> that no negative <em>reporting</em> has been or will be made to XXXX XXXX XXXX XXXX, or any credit bureau XXXX."]},"sort":[19.051073,"18870141"]},{"_index":"complaint-public-v1","_id":"6813495","_score":16.376652,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX I went to a local Truist Branch ( XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ) to open a Truist Confidence account. I deposited {$100.00} cash, {$4000.00} via check. The Banker did a quick check on me and asked if I wanted to pursue a mortgage or credit card with Truist based on her initial positive findings on me. I declined and stated I just needed a bank account for graduate school loans to be deposited into. I was given account information, provided it to my university, and everything was approved. On Tuesday XX/XX/XXXX I logged into the Truist app and was informed that my account was restricted. I immediately stopped the direct deposit for student loans and called the provided number for Truist XXXX and was told that my account was restricted due to \" suspected fraud '' detected by Early Warning ( an external corporation who does extensive checks on individuals that is used by most national banks ) who could be contacted at XXXX. I asked Truist what fraud was disclosed and they said they could not provide information over the phone but could schedule an in person appointment with a banker who could help me. I called Early Warning and they told me Truist would have to help me but they could send me a report detailing what they disclosed to Truist in 15 days. I requested the Early Warning report and called Truist back to set up an appt for Friday XX/XX/XXXXXXXX I have called Early Warning 5 times. Early Warning has stated that they provided my banking history to Truist and the decision to restrict an account or hold funds is determined by the financial institution. On my XX/XX/XXXX appointment and over the phone, Truist is telling me that Early Warning informed them of \" something '' that is a red flag causing the account to be restricted. I have requested multiple times but Truist will not tell me what the restriction is based on or what information they received. When I visited the Truist branch on XX/XX/XXXX, they informed me that they would be force closing the account and mailing me a check in an undisclosed amount of time. I asked if I could come to the branch and pick up the check or cash for the funds. They told me that the check funds would be held until XX/XX/XXXX and after 7 additional business days, I could return to the branch and withdraw all funds in cash. I asked why there was a delay and they said the additional 7 business days would allow them to feel confident the {$4000.00} check written to me from my parents had cleared my family bank account and could not be stopped or returned. They could not tell me why the account is being closed but I was satisfied with knowing I could get my funds after 3 weeks on hold. On XX/XX/XXXX, I spent XXXX hours at the branch requesting my funds. The banker reached out multiple times to \" someone in the back office who placed a restriction on my account '' and the person did not answer phone calls or internal communication requests. After multiple attempts to escalate the situation internally and many phone calls, they told me they needed confirmation from Early Warning that my SSN was clear before they could release my funds. \n\nOn XXXX I called Early Warning and they reviewed the mailed report with me while I was in the branch parking lot and they stated that there are no red flags, negative findings, or anything to dispute attached to my name or my SSN. The only finding on the report is my attempted account opening with Truist. They confirmed that this is the only information they provided to Truist and told me they do not know why Truist has restricted my account or withheld my funds for this amount of time. I emailed my Early Warning consumer report to Truist. They attempted to escalate and then told me the restriction could not be overturned unless I provided a notarized letter from my parents financial institution confirming I was the intended recipient for the funds, the check amount, confirmation the check had cleared the account, and confirmation that no stop or hold could be placed on the check. The check was deposited 3 weeks ago but my family financial institution provided the letter. Truist reviewed and stated the restriction could not be overturned and my funds would still be held. I expressed great disappointment and they made multiple calls and attempted escalations. Eventually, they also requested a notarized bank statement showing ALL transactions from my parents account for the month of XXXX to confirm the check came from them and had cleared their account. My parents reluctantly sent this over as well. Truist reviewed and refused to return my funds. They asked that I request a comprehensive credit report because they are \" certain I am the victim of identity theft or connected to some type of fraud '' so I requested a report from XXXX, XXXX, and XXXX. All organizations have confirmed that there are no negative findings associated to my SSN. I am not sure what this has to do with me obtaining funds deposited via check 3 weeks ago but Truist reviewed all of this information and stated they can not return my funds at this time and do not know when they will be able to. The {$4000.00} check was issued by my parents and cleared their account prior to XX/XX/XXXX. As of XX/XX/XXXXXXXX  I have provided Truist with multiple notarized documents, the consumer report from Early Warning, and confirmed the contents of all credit reports. They will not tell me why my account is restricted, how it got restricted ( other than blaming Early Warning who have reassured me my report is clean ) and they continue to tell me they can not return the money at this time. After XXXX hours in the branch and providing all requested documents, I informed them that I would be filing a complaint with the FDIC. They asked me not to and stated that they can escalate internally and \" hopefully return my funds soon ''. I stated I still intend to file a complaint and then they apologized and said if I can give them a few more days to \" follow the chain of command '' they can schedule another in person appointment and will personally help me file an internal complaint instead of reaching out to the FDIC. \n\nI am frustrated and genuinely concerned that negligent or criminal behavior is occurring within this institution. After multiple meetings with Truist, nobody can tell me why the funds are being restricted, when the restriction will be lifted, or when I will be able to obtain my funds. Initially on XX/XX/XXXX they said I would receive a check in the mail. When I visited the branch on XX/XX/XXXX and XXXX, they called the internal financial crimes team and check fraud team with no improvement on the situation. During internal/back office communication they are unable to obtain clear guidelines or protocol for how to lift the restriction. They are repeatedly asking me to wait or provide more information. Even after receiving the notarized bank statement and letter from my parent 's financial institution the back office stated this is not sufficient to lift the restriction. I witnessed multiple internal transfers where the person on the phone says they have no record of the request and do not know anything about this restriction on my account. I am worried Truist has stolen my funds. I asked what else was needed and they could not tell me. I expressed a desire to escalate this to a regional or district manager and they did not provide any contact information and kept reiterating that they are \" just trying to help me ''. The bankers said they will help me file a complaint \" soon '' and they are confident they can escalate this and return my funds \" soon '' but nobody has helped me file a complaint, provided contact information for me to escalate this by myself, and they will not give me any real, clear information. I have received a notice in the mail from Truist stating that my account is active and the {$4100.00} are available but when I go to a branch they will not give me the funds and can not tell me why. The more I press them for the funds and request information, they keep telling me \" maybe someone stole your identity and Early Warning, XXXX, XXXX, XXXX can not see it but something is on your record and you will not be able to open any accounts at a bank or obtain any loans ''. I was just approved for graduate student loans ( hence me opening the account to begin with ) so I say \" do you see that in the system, can you tell me where that information was reported '' and they say they can not disclose anything or tell me any information and they do not know what is going on. The only thing they know for sure is that they can not give me my money back. During this time, I opened an account with another financial institution with no issues. The other financial institution confirmed that my background check was clean with no adverse findings. This concerns me even more than Truist could be doing something negligent, criminal, or discriminatory and is wrongfully withholding my funds. I do not want this account with Truist. I just want my money back. Please help me.","date_sent_to_company":"2023-04-08T18:50:21.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"32839","tags":null,"has_narrative":true,"complaint_id":"6813495","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2023-04-08T17:59:23.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Eventually, they also requested a notarized bank statement showing ALL transactions from my parents account for the month of XXXX to <em>confirm</em> the check came from them and had cleared their account. My parents reluctantly sent this over as well. Truist reviewed and refused to return my funds. They asked that I request a comprehensive credit <em>report</em> because they are \" certain I am the victim of <em>identity</em> <em>theft</em> or connected to some type of <em>fraud</em> '' so I requested a <em>report</em> from XXXX, XXXX, and XXXX."]},"sort":[16.376652,"6813495"]},{"_index":"complaint-public-v1","_id":"17534605","_score":16.051977,"_source":{"product":"Checking or savings account","complaint_what_happened":"CFPB COMPLAINT DRAFT : BANK OF AMERICA ( Systemic Misclassification, XXXX XXXX XXXX XXXX, and Regulatory Control ) XXXX  Product : Checking or Savings Account XXXX  Complaint Category : Managing, monitoring, or closing account Issue : Problems when you are an unauthorized victim of fraud or identity theft Transaction Date : XX/XX/year> Amount : {$39.00} Transaction Descriptor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Your Complaint Text ( Copy/Paste this description for the CFPB submission ) : My Bank of America account received an unauthorized ACH DEPOSIT of {$39.00} on XX/XX/year>XXXX  with the descriptor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is a clear case of potential identity theft using my name. \nThe institutional process at Bank of America constitutes a systemic regulatory failure in seven major ways : PATTERN OF COMPLIANCE VIOLATION ( PRIOR CFPB FILINGS ) : This is not an isolated event. Prior CFPB complaints filed by me against Bank of America document a continuing pattern of systemic failure and policy abuse that deliberately obstructs fraud investigation and shifts liability onto the victim. This current case must be viewed within the context of the bank 's established, non-compliant operational history.\n\nINTENTIONAL DELAY & SHORTENING OF STATUTORY REMEDY WINDOW : The bank 's internal policy mandates that the claim 's official start date is delayed until the NEXT BUSINESS DAY after the fraud is reported. This procedure is an INTENTIONAL VIOLATION that shortens the consumer 's statutory 120-day or 180-day window for dispute resolution under Regulation E, effectively robbing the victim of legally mandated time to investigate their claim.\n\nSYSTEMIC MISCLASSIFICATION OF ACH FRAUD ( BILLIONS IN DAMAGE ) : The bank 's internal system prevents representatives from filing a direct \" Fraud '' claim for unauthorized ACH transfers, forcing them into a low-priority \" Dispute '' or \" Billing Error '' category. This deliberate abuse of Regulation E misclassifies millions of ACH-related fraud cases annually, a practice that has cost consumers an estimated BILLIONS of dollars in unresolved or delayed recovery. The banks process actively routes high-priority fraud cases away from required investigation tracks. \nImplied Admission, Obstruction, and Warning of Personal Risk : During my call at XXXXXXXX XXXX  EST ( Ref : XXXX XXXX ), the representative named XXXX provided an explicit and alarming warning to \" be careful '' before transferring me. This warning, coupled with XXXX having misspoken about a \" XXXX and something dollar credit, '' strongly suggests internal staff awareness of a hazardous or compromised claim process. Furthermore, the bank refused to provide any documentation in writing confirming the systemic policy flaws, which constitutes deliberate obstruction. \nEGREGIOUS BREACH OF DUTY OF CARE ( SUICIDAL DISCLOSURE ) : During a prior, separate call concerning money being taken from my account ( approximately a couple of months ago, right before my daughter 's birthday ), I directly disclosed to the Bank of America representative that I was crying, XXXX XXXX and XXXX XXXX XXXX  and self-harm due to the financial distress caused by the bank 's actions. The representative, upon hearing this direct disclosure of suicidal ideation, failed to follow any institutional crisis protocol, failed to advise me to seek help, and failed to connect me to any XXXX XXXX resources. This profound disregard for consumer welfare constitutes an EGREGIOUS BREACH OF THE BANK 'S DUTY OF CARE, directly linking their financial misconduct to the endangerment of a customer 's life. \nContradictory Regulatory Stance ( Control the Narrative ) : The bank 's internal processes create a contradictory regulatory stance. While the serious, high-value fraud against my account likely triggered an internal Suspicious Activity Report ( SAR ) treating me as the source of suspicionthe bank simultaneously forced my official complaint into a low-priority \" Dispute '' category. This dual action is a deliberate attempt to control the regulatory narrative and shift liability.\n\nMishandling of Funds : As a direct result of the misclassification and delay, the bank has failed to properly isolate, remove, or trace the fraudulent funds, leaving the unauthorized {$39.00} commingled in my account. \nDesired Resolution : I require immediate escalation to a fraud compliance officer to properly classify and investigate this claim and remove the funds. Furthermore, I demand that the CFPB initiate a full, independent, third-party forensic audit of Bank of Americas entire Regulation E compliance, internal SAR filing protocols, and its crisis response procedures. Given the systemic nature of this fraud, the institutional cover-up, and the severe breach of duty of care, I demand that the CFPB use its authority to facilitate the immediate connection of the victim with suitable class action counsel to pursue structural remediation and a class-wide remedy for all affected consumers. We demand mandatory civil penalties for these systemic violations.","date_sent_to_company":"2025-11-26T04:30:25.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30143","tags":null,"has_narrative":true,"complaint_id":"17534605","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-11-26T04:20:08.000Z","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":["of America account received an unauthorized ACH DEPOSIT of {$39.00} on XX/XX/year>XXXX  with the descriptor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is a clear case of potential <em>identity</em> <em>theft</em> using my name."]},"sort":[16.051977,"17534605"]},{"_index":"complaint-public-v1","_id":"6771274","_score":14.292131,"_source":{"product":"Debt collection","complaint_what_happened":"The company has stated that they had a right to run a credit report however they did not have my legal permission to run the credit report. Nor did they confirm my address needed for the credit report has they have not documentation from me that the address that they used was my physical address. As far as the 4 mileages concern, they have record that the address that they had on file was my correct address as the documentation they have uploaded has the correct address. As they have lied about the mileage distance from the old address to the new address. Both documents clearly have two different addresses. It is the company 's obligation to keep track and comprehend all the information that they receive and send out to their customers. Falsely accusing a customer of not holding insurance that was obtained at the time. You all repossessed the vehicle in XXXX, and I got the vehicle back the same day. Do make sure that your information is accurate. I had XXXX  yes and you all still received money at the XXXXXXXX XXXX  location before you all had closed that location. Then later accepting multiple payments past XXXX of XXXX per month. which I have receipts for to repossess the vehicle in XXXX and lie and say I missed a payment in XXXX after already receiving payment is scamming and horrible integrity has a company. Then you not only repossessed from my home. You sent me mail three days after the repossession that I owed a payment of XXXX and warning me of a repossession after i've been paying XXXX. My mother was listed as a reference not my legal address and you physically went and harassed her during the first repossession. By law in the state of North Carolina Fair Debt Collection Practices Act 58 70 100. Harassment. No collection agency shall use any conduct, the natural consequence of which is to oppress, harass, or abuse any person in connection with the attempt to collect any debt. By law North state acceptance should have contacted me and requested for permission especially putting a po box address as my address. For future reference since you have not received a notarize documentation from me with signature of an updated address and placed a non-resident address on my credit report after never receiving a written notice from me regarding an updated address. Also using my social security number without my permission especially since I had a credit freeze you illegally ran my credit on XX/XX/2023 during the freeze and used my social without my consent and XXXX has it documented, and it has been reported as identity theft. Now a fraud claim has been filed and lawsuit in action.","date_sent_to_company":"2023-03-29T20:21:14.000Z","issue":"False statements or representation","sub_product":"Auto debt","zip_code":"29229","tags":null,"has_narrative":true,"complaint_id":"6771274","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"North State Acceptance, LLC","date_received":"2023-03-29T20:02:25.000Z","state":"SC","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Also using my social security number without my permission especially since I had a credit freeze you illegally ran my credit on XX/XX/2023 during the freeze and used my social without my consent and XXXX has it documented, and it has been <em>reported</em> as <em>identity</em> <em>theft</em>. Now a <em>fraud</em> claim has been <em>filed</em> and lawsuit in action."]},"sort":[14.292131,"6771274"]},{"_index":"complaint-public-v1","_id":"17885312","_score":12.398882,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint because Credit Collection Services ( CCS ) is reporting a collection account with a balance of {$150.00} on my credit report, and this account is not mine. I have never opened, authorized, or been associated with any account that would result in this balance or be assigned to CCS. I have never received any communication, billing statements, notices, or documentation from CCS or any original creditor indicating that I owed this debt. The presence of this account on my credit report is entirely fraudulent, and as a result, I filed an FTC Identity Theft Report. I have repeatedly disputed this account with the credit bureaus, yet it remains on my report without any proof, validation, or supporting documentation. Because of this, I am requesting the CFPBs intervention. \n\nBelow, I will describe in detail what happened, the steps I took, the laws that protect me, the failures on the part of CCS and the credit bureaus, and how this fraudulent account has negatively affected me. \n\n1. Discovery of the CCS Account The first time I ever learned about a debt linked to Credit Collection Services was when I checked my credit report. I had never been contacted by CCS before this. There were no letters, calls, emails, or billing statements of any kind. There was no original creditor information provided to me, and I had no prior knowledge of a {$150.00} balance that was allegedly owed. This account appeared without warning and without any explanation. \n\nAs soon as I saw it, I knew immediately that this account did not belong to me. I have never had a relationship with any company that would have sold or assigned a debt to CCS. The lack of prior communication from either an original creditor or CCS itself was a major red flag and indicated that the debt was either fraudulent, incorrectly assigned, or placed due to a mixed credit file. \n\nXXXX. The Account Is Fraudulent I Do Not Owe This Debt I want to be very clear : I do not owe this debt. I did not authorize it. I did not sign up for anything related to it. I did not have any service or product that would create this type of obligation. This CCS account, showing a balance of {$150.00}, is fraudulent. \n\nBecause this debt is not mine, I filed an FTC Identity Theft Report, affirming under federal protection laws that I am a victim of identity theft or misuse. This FTC report establishes that : Someone may have used my identity without my permission The account is fraudulent I am disputing the legitimacy of this collection I am requesting removal and blocking under the Fair Credit Reporting Act ( FCRA ) CCS must cease reporting until they provide actual validation The FTC Identity Theft Report legally triggers several protections under the Fair Credit Reporting Act ( FCRA ), especially 605B, which requires the credit bureaus to block fraudulent data. \n\nXXXX. CCS Never Sent a Validation Notice as Required by Law Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), CCS is required to send me a written validation notice within five days of first attempting to collect a debt. This notice must include : The amount of the debt The name of the original creditor My rights to dispute the debt Instructions for requesting validation CCS never sent anything to me. Not one letter. Not one notice. Nothing at all. \n\nThis is a direct violation of federal law. \n\nA collection account can not legally appear on my credit report without CCS first : Contacting me Informing me of the alleged debt Providing a chance to dispute Offering validation documentation Identifying the original creditor None of this occurred. \n\nXXXX. I Disputed the CCS Account With All Three Credit Bureaus Once I saw the CCS account on my report, I immediately filed disputes with : XXXX XXXX  XXXX  I informed each bureau that : I do not own this account I never authorized the underlying debt I never received verification The account is the result of fraud or identity misuse I filed an FTC Identity Theft Report I requested a full reinvestigation I specifically asked for the following information : The name of the original creditor Documentation proving I opened the account Billing history Contracts or agreements with my signature Dates of service or use Any validation CCS claimed to have Method of Verification under FCRA 611 ( a ) ( 6 ) The credit bureaus did not provide any of this information.\n\n5. CCS Failed to Validate the Debt as Required by FDCPA 809 ( b ) After receiving my disputes, CCS was required to : Provide written verification of the debt Provide a copy of any signed contract Provide the original creditors information Provide documentation linking the debt to me Cease collection and reporting until validation was provided CCS did none of the above. \n\nInstead, the account remained on my credit report despite the absence of proof. This indicates that CCS likely did not have any actual documentation to prove the debt belongs to me, yet they continued reporting it. \n\nThis is a clear violation of FDCPA 809 ( b ) which states : The debt collector shall cease collection of the debt until the debt collector obtains verification of the debt. \n\nReporting the debt to the credit bureaus is considered a form of collection activity. \n\nXXXX. The Credit Bureaus Did Not Provide a Method of Verification Under FCRA 611 ( a ) ( 6 ), when a consumer disputes an account, the credit bureau must tell the consumer : How the account was verified What documents were used Who provided the verification What steps were taken to resolve the dispute None of the bureaus provided : The Method of Verification Any documentation Any actual evidence They simply returned generic statements saying the account was verified, which is impossible when CCS never validated the debt in the first place. \n\nThis suggests that the bureaus likely relied on automated data through the e-OSCAR system, where furnishers often verify disputes by clicking automated responses without providing any supporting documents. \n\nThis is not a meaningful investigation under the FCRA. \n\nXXXX. CCS Appears to Have Furnished Inaccurate or Unverified Information The reporting of this debt violates multiple sections of the FCRA : FCRA 602A Requires maximum possible accuracy of reporting. \n\nCCS reported a completely inaccurate and fraudulent account. \n\nFCRA 607 ( b ) Furnishers must have reasonable procedures to assure accuracy.\n\nIf CCS had these procedures, they would not be reporting fraudulent data.\n\nFCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report information they know or should know is inaccurate.\n\nMy dispute and FTC Identity Theft Report put CCS on notice that the account is fraudulent.\n\nFCRA 611 ( a ) Bureaus must conduct a reasonable reinvestigation. \n\nThey failed to do so. \n\nXXXX. Harm Caused by the CCS Account The fraudulent CCS account has caused me substantial harm, including : Lower credit scores Increased risk ratings Reduced creditworthiness Difficulty obtaining credit Emotional stress Time spent disputing fraudulent data Potential denial of financial opportunities Even though the balance is {$150.00}, the impact of a single derogatory collection is severe. \n\nIt affects : Payment history ( the most important scoring factor ) Derogatory account count Collection indicators Lender perception This damage is ongoing and unjust.\n\n9. This Debt May Be the Result of Identity Theft or a Mixed File Given the circumstances, this CCS account could have resulted from : Identity theft A mixed credit file Incorrect reporting Data contamination CCS furnishing incomplete or inaccurate information A creditor assigning debts to the wrong consumer My FTC Identity Theft Report confirms fraud, and the inconsistencies in the reporting strongly indicate misidentification. \n\nXXXX. CCS Did Not Provide the Name of the Original Creditor A major red flag is that CCS did not disclose : Who the original creditor was What type of account this was When the account was opened When it went delinquent Any contract or agreement This omission violates both the FCRA and FDCPA. \n\nA consumer can not owe money to an unknown creditor. \n\nXXXX. CCS Never Contacted Me Prior to Reporting the Debt CCS did not : Call Email Send letters Provide dispute rights Provide validation This is a violation of consumer rights. \n\nCollectors can not legally report a debt without notifying the consumer first. I never received any communication of any kind from CCS. \n\nXXXX. My FTC Identity Theft Report Should Have Triggered an Automatic Block Under FCRA 605B, the credit bureaus must block fraudulent information when a consumer submits an Identity Theft Report. \n\nI provided such a report. \n\nDespite this : The CCS account stayed No block was applied No reinvestigation correction occurred This is a failure on the part of the credit bureaus. \n\nXXXX. I Acted in Good Faith to Correct the Fraudulent Reporting I have done everything federal law requires : Reviewed my credit Identified fraudulent activity Filed disputes with all credit bureaus Requested validation Filed an FTC Identity Theft Report Followed all FCRA and FDCPA procedures Despite taking all appropriate steps, the wrongful reporting continues. \n\nXXXX. Summary of Violations Credit Collection Services ( CCS ) violated : FDCPA 809 ( a ) failure to send validation notice FDCPA 809 ( b ) failure to validate after dispute FDCPA 807 reporting false or misleading information FCRA 623 ( a ) ( 1 ) ( A ) furnishing inaccurate information FCRA 607 ( b ) failing to ensure accuracy Credit Bureaus Violated : FCRA 605B failure to block fraudulent data FCRA 611 ( a ) inadequate reinvestigation FCRA 611 ( a ) ( 6 ) failure to provide Method of Verification 15. Final Statement The Credit Collection Services account in the amount of {$150.00} is fraudulent, unauthorized, unvalidated, and unsupported. It appeared on my credit report without any communication, verification, or legal notice. I have disputed it multiple times, filed an FTC Identity Theft Report, and followed every required step of the dispute process. CCS has never proven the debt belongs to me because no such proof exists. This account is harming my credit and violating my federally protected rights.","date_sent_to_company":"2025-12-02T20:14:26.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"63033","tags":null,"has_narrative":true,"complaint_id":"17885312","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CCS Financial Services, Inc.","date_received":"2025-12-02T20:00:05.000Z","state":"MO","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["This Debt May Be the Result of <em>Identity</em> <em>Theft</em> or a Mixed <em>File</em> Given the circumstances, this CCS account could have resulted from : <em>Identity</em> <em>theft</em> A mixed credit <em>file</em> Incorrect <em>reporting</em> Data contamination CCS furnishing incomplete or inaccurate information A creditor assigning debts to the wrong consumer My FTC <em>Identity</em> <em>Theft</em> <em>Report</em> <em>confirms</em> <em>fraud</em>, and the inconsistencies in the <em>reporting</em> strongly indicate misidentification. \n\nXXXX."]},"sort":[12.398882,"17885312"]},{"_index":"complaint-public-v1","_id":"16909952","_score":12.208659,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Fraudulent Identity-Theft Claim Filed by XXXX XXXX XXXX XXXX XXXX Dear Credit Bureau Representatives , I am writing on behalf of my XXXX, XXXX XXXX XXXX to formally document and dispute a false identity-theft claim filed by her XXXX, XXXX XXXX. I have served as my XXXX  caregiver and financial advocate for nearly XXXX years, through multiple periods when she lived under my care. This letter serves to protect both the truth of her credit history and the integrity of our long-standing, fully authorized financial relationship. \nXXXX. False Identity-Theft Claim and Shared Credit History XXXX XXXX XXXX XXXX XXXX or more credit bureaus to claim that certain accounts on my grandmothers  report were the result of identity theft. That claim is completely false. \nBeginning as early as XXXX, my grandmother  and I have been mutual authorized users on several credit card accounts. She was listed on more of my accounts than I was on hers, all with her full knowledge and consent. For years, we maintained excellent standing ; XXXX balances, autopay through my bank, and no missed payments. \nOnly in XXXX, when XXXX began interfering, did balances appear. Without warning, she removed me as an authorized user from accounts that still carried balances, blocking my ability to continue payments. XXXX goal appears to be to avoid her own responsibility for these debts by portraying legitimate, shared credit activity as fraud. \nXXXX. Verification and Name History I authorize each bureau to cross-reference my credit history under both legal names : XXXX XXXX XXXX XXXX ( legal name change effective XX/XX/XXXX ) You will find a consistent record of authorized-user relationships, on-time payments, and shared accounts with XXXX XXXX across multiple XXXX XXXX \nXXXX. Law-Enforcement and Protective Action A police report has been filed with the City of XXXX Police Department concerning this fraudulent activity. \n( XXXX XXXX Case Number : XXXX ) During that same report, the XXXX advised me to request a welfare check through XXXX XXXX XXXX of Arizona, ( case numbers XXXX and XXXX ) which I immediately filed. These steps were taken to ensure both safety and documentation of what has become a pattern of financial and emotional abuse directed by XXXX XXXX toward her mother. \nXXXX. Pattern of XXXX and XXXX XXXX It is important for the bureaus to understand the context of fear and dependency surrounding my grandmother. \nAs I stated previously to XXXX XXXX XXXX, XXXX XXXX lives in a constant state of quiet fear. She depends on XXXX XXXX for shelter and has learned to comply with whatever narrative XXXX constructs in order to keep a roof over her head. When pressured, my grandmother will agree with XXXX ; often against her own interests ; because she feels she has no other option. \nThis coercion explains why XXXX is able to file claims or speak on her behalf without objection. XXXX is not acting freely ; she is acting under duress. After XXXX and her siblings refused to share in the {$1000.00} monthly cost of my grandmothers independent living apartment that I secured for her, XXXX moved her back in ; using that dependency to reassert control. Out of fear of losing her only housing, XXXX now echoes whatever XXXX tells her to say. \nXXXX. Chronology of XXXX and XXXX XXXX XXXX From XXXX through XXXX, my grandmother and I maintained a transparent financial partnership and a deeply personal bond. She often told me she could not help me financially but could help me build good credit. In return, I added her as an authorized user on my own cards. \nXX/XX/XXXX : XXXX expelled XXXX from her home. I have the recorded call, stating they were tired of her and that she was a problem. \n\n\nXXXX XXXX XXXX XXXX XXXXXXXX lived independently in a condo in the same high-rise where I live, that I paid for, then I moved her in with me in XX/XX/XXXX, because she was getting depressed living alone. In XXXX when I announced to XXXX and her son XXXX XXXX that I was going to move out of the country, I secured an independent living apartment in a well-known senior community. XXXX immediately moved her out XXXX weeks later, so that XXXX rent money could go to her gambling addiction instead of the senior community. XXXX  always charged this elderly woman rent, and would make her pay for her own food. This is something I completely disagree with. \n\nXX/XX/XXXX : When I planned an overseas move, I arranged permanent housing for her and offered to share expenses. XXXX refused and then convinced her mother to move back in with her. \n\n\nSince that move, every action XXXX has taken ; removing my authorized-user access, filing false claims, and controlling her mothers credit ; has been rooted in manipulation. \nXXXX. Request for XXXX XXXX XXXX respectfully request that TransUnion, Experian, and Equifax : Reject and flag as disputed any identity-theft filing made by XXXX XXXX ( my XXXX XXXX on behalf of XXXX XXXX. \n\n\nDocument this letter within both credit files for future reference in any civil or criminal proceedings. \n\n\nXXXX. Closing Statement Both XXXX XXXX and I are victims of XXXX XXXX ongoing financial coercion and fraudulent conduct. My grandmothers compliance should not be mistaken for consent ; it is survival behavior born out of fear. The evidence of authorization, shared payment history, and my police report all confirm that these accounts are legitimate and that XXXX XXXX claims are knowingly false. \nThank you for your attention and for ensuring that consumer credit records reflect truth ; not the pressures of those who manipulate the vulnerable. \nRespectfully, XXXX XXXX ( formerly XXXX XXXX ) On Behalf of XXXX XXXX ( my XXXX  )","date_sent_to_company":"2025-10-29T03:26:04.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"850XX","tags":null,"has_narrative":true,"complaint_id":"16909952","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-29T03:08:33.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Re : Fraudulent <em>Identity</em>-<em>Theft</em> Claim <em>Filed</em> by XXXX XXXX XXXX XXXX XXXX Dear Credit Bureau Representatives , I am writing on behalf of my XXXX, XXXX XXXX XXXX to formally document and dispute a false <em>identity</em>-<em>theft</em> claim <em>filed</em> by her XXXX, XXXX XXXX. I have served as my XXXX  caregiver and financial advocate for nearly XXXX years, through multiple periods when she lived under my care."],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[12.208659,"16909952"]},{"_index":"complaint-public-v1","_id":"16884135","_score":12.185798,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Fraudulent Identity-Theft Claim Filed by XXXX XXXX XXXX XXXX XXXX Dear Credit Bureau Representatives , I am writing on behalf of my XXXX, XXXX XXXX XXXX to formally document and dispute a false identity-theft claim filed by her XXXX, XXXX XXXX. I have served as my XXXX  caregiver and financial advocate for nearly XXXX years, through multiple periods when she lived under my care. This letter serves to protect both the truth of her credit history and the integrity of our long-standing, fully authorized financial relationship. \nXXXX. False Identity-Theft Claim and Shared Credit History XXXX XXXX XXXX XXXX XXXX or more credit bureaus to claim that certain accounts on my grandmothers  report were the result of identity theft. That claim is completely false. \nBeginning as early as XXXX, my grandmother  and I have been mutual authorized users on several credit card accounts. She was listed on more of my accounts than I was on hers, all with her full knowledge and consent. For years, we maintained excellent standing ; XXXX balances, autopay through my bank, and no missed payments. \nOnly in XXXX, when XXXX began interfering, did balances appear. Without warning, she removed me as an authorized user from accounts that still carried balances, blocking my ability to continue payments. XXXX goal appears to be to avoid her own responsibility for these debts by portraying legitimate, shared credit activity as fraud. \nXXXX. Verification and Name History I authorize each bureau to cross-reference my credit history under both legal names : XXXX XXXX XXXX XXXX ( legal name change effective XX/XX/XXXX ) You will find a consistent record of authorized-user relationships, on-time payments, and shared accounts with XXXX XXXX across multiple XXXX XXXX \nXXXX. Law-Enforcement and Protective Action A police report has been filed with the City of XXXX Police Department concerning this fraudulent activity. \n( XXXX XXXX Case Number : XXXX ) During that same report, the XXXX advised me to request a welfare check through XXXX XXXX XXXX of Arizona, ( case numbers XXXX and XXXX ) which I immediately filed. These steps were taken to ensure both safety and documentation of what has become a pattern of financial and emotional abuse directed by XXXX XXXX toward her mother. \nXXXX. Pattern of XXXX and XXXX XXXX It is important for the bureaus to understand the context of fear and dependency surrounding my grandmother. \nAs I stated previously to XXXX XXXX XXXX, XXXX XXXX lives in a constant state of quiet fear. She depends on XXXX XXXX for shelter and has learned to comply with whatever narrative XXXX constructs in order to keep a roof over her head. When pressured, my grandmother will agree with XXXX ; often against her own interests ; because she feels she has no other option. \nThis coercion explains why XXXX is able to file claims or speak on her behalf without objection. XXXX is not acting freely ; she is acting under duress. After XXXX and her siblings refused to share in the {$1000.00} monthly cost of my grandmothers independent living apartment that I secured for her, XXXX moved her back in ; using that dependency to reassert control. Out of fear of losing her only housing, XXXX now echoes whatever XXXX tells her to say. \nXXXX. Chronology of XXXX and XXXX XXXX XXXX From XXXX through XXXX, my grandmother and I maintained a transparent financial partnership and a deeply personal bond. She often told me she could not help me financially but could help me build good credit. In return, I added her as an authorized user on my own cards. \nXX/XX/XXXX : XXXX expelled XXXX from her home. I have the recorded call, stating they were tired of her and that she was a problem. \n\n\nXXXX XXXX XXXX XXXX XXXXXXXX lived independently in a condo in the same high-rise where I live, that I paid for, then I moved her in with me in XX/XX/XXXX, because she was getting depressed living alone. In XXXX when I announced to XXXX and her son XXXX XXXX that I was going to move out of the country, I secured an independent living apartment in a well-known senior community. XXXX immediately moved her out XXXX weeks later, so that XXXX rent money could go to her gambling addiction instead of the senior community. XXXX  always charged this elderly woman rent, and would make her pay for her own food. This is something I completely disagree with. \n\nXX/XX/XXXX : When I planned an overseas move, I arranged permanent housing for her and offered to share expenses. XXXX refused and then convinced her mother to move back in with her. \n\n\nSince that move, every action XXXX has taken ; removing my authorized-user access, filing false claims, and controlling her mothers credit ; has been rooted in manipulation. \nXXXX. Request for XXXX XXXX XXXX respectfully request that TransUnion, Experian, and Equifax : Reject and flag as disputed any identity-theft filing made by XXXX XXXX ( my XXXX XXXX on behalf of XXXX XXXX. \n\n\nDocument this letter within both credit files for future reference in any civil or criminal proceedings. \n\n\nXXXX. Closing Statement Both XXXX XXXX and I are victims of XXXX XXXX ongoing financial coercion and fraudulent conduct. My grandmothers compliance should not be mistaken for consent ; it is survival behavior born out of fear. The evidence of authorization, shared payment history, and my police report all confirm that these accounts are legitimate and that XXXX XXXX claims are knowingly false. \nThank you for your attention and for ensuring that consumer credit records reflect truth ; not the pressures of those who manipulate the vulnerable. \nRespectfully, XXXX XXXX ( formerly XXXX XXXX ) On Behalf of XXXX XXXX ( my XXXX  )","date_sent_to_company":"2025-10-29T03:26:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"850XX","tags":null,"has_narrative":true,"complaint_id":"16884135","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-29T03:25:38.000Z","state":"AZ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Re : Fraudulent <em>Identity</em>-<em>Theft</em> Claim <em>Filed</em> by XXXX XXXX XXXX XXXX XXXX Dear Credit Bureau Representatives , I am writing on behalf of my XXXX, XXXX XXXX XXXX to formally document and dispute a false <em>identity</em>-<em>theft</em> claim <em>filed</em> by her XXXX, XXXX XXXX. I have served as my XXXX  caregiver and financial advocate for nearly XXXX years, through multiple periods when she lived under my care."],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[12.185798,"16884135"]},{"_index":"complaint-public-v1","_id":"3761402","_score":11.02505,"_source":{"product":"Checking or savings account","complaint_what_happened":"On Saturday, XX/XX/2020 I tried to make a purchase with my debit card and it was declined. I waited on hold for 5 hours to finally be told that Chase has decided to close my checking account and would not provide me with a reason as to why. They told me that within 2-10 days  they would unfreeze my account and issue me a cashiers check by mail, having it expedited because it's a balance of almost {$9000.00}. \nMonday, XX/XX/XXXX I called again, and after hours of wait time I was told the same. Because I was traveling out of state that week I was very concerned. I live 3 hours from the closest branch. \nWhen I arrived to XXXX on XX/XX/XXXX, I went to a branch and spoke to the branch manager. She would not allow me in her office, instead spoke about my situation after standing in front of other customers by the door. The tellers were all watching and it made me feel like I was being treated as a criminal. She told me that I could not have access to my account or release the funds in it. I asked her if they could provide me a reason, or if I should be concerned about identity theft, but she refused to provide me any information. After a very difficult trip without access to my funds, I have become very concerned. \nOn Tuesday XXXX of XXXX, it having been 10 days, I called again to ask if my balance is being sent to me. They told me that my account was still \" under investigation ''. \nYesterday, Wednesday XX/XX/XXXX, I finally reached a gentleman I believe named XXXX. He told me that the reason my account has been frozen and will be closed is due to a payment of {$970.00} that was sent from Massachusetts unemployment. I have been receiving these after losing my job due to Covid for the same amount the same day of each week since XXXX. He agreed that it seemed odd because there was no unusual activity on my account but told me that I should be able to go to a branch in person with legal proof from the unemployment department of my payments from them and they should release my funds in person that day. \nBecause the closest branch is in XXXX ( 3 hours from XXXX ), I called to confirm this with a banker there. I spoke with a gentleman named XXXX. He looked into my case and told me that unfortunately he could not do so, but he instead called a manager to speak about my case. After calling me back he told me that my account is under investigation even though my deposits have been consistent. He asked me if I could send him legal proof of my unemployment. I emailed him my forms from the state of Massachusetts, and he said those looked like they would clear the issue. He also told me that somehow they had changed the date of my account closure from the XXXX to the XXXX, meaning I had to wait another 10 days for my funds. \nToday, XX/XX/XXXX, I checked my Chase app on my phone to ensure my balance has remained the same, as I have heard about a lot of fraud and unusual things happening these few past months at Chase, and to my horror I saw that my checking account had disappeared with no record of me having it at all. I called the 877 number, and they told me that they had indeed closed by account. I asked to ensure that I would have a check in the mail and they told me that no, my account was still under investigation. He was reviewing my unemployment documents and had all of the proof of my direct deposits. I asked if I could have confirmation of when I should expect a return of my money and he could not tell me. \nI should mention, that the first call made, they told me that I should receive a letter in the mail informing me of my account closure. Chase has always immediately contacted me for large purchases or anything unusual to confirm my card was not stolen, and I have not received an email, any mail, a call or a text in regards to this. No communication, warning or explanation. \nI called XXXX back at the branch in XXXX, and he kindly called a manager for me. He told me that they had closed and withdrawn the full account ( I believe he said that transaction took place in XXXX ) today but they are still 'investigating '' it and they would not provide me with an estimate as when I should have my money returned to me. I am very concerned because I lost my job and I am supposed to be moving right now. All of my savings is tied into that account and I am behind on payments as well now. \nI have been reading the Consumer Affairs and other complaints filed and many people have been affected as I have, some not receiving their money yet at all or for many months. One even reported that Chase had kept {$7500.00} of her {$15000.00}. They can not feed their children, their cars are getting repossessed, and some even having to go to the Emergency Room for their XXXX medicines and such because they have no access to their money. This is inexcusable and shameful to handle business with no regards to the well being of customers. Closing our accounts is fine, but not allowing us access to our money to survive is heartless.","date_sent_to_company":"2020-07-24T06:18:11.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"38017","tags":null,"has_narrative":true,"complaint_id":"3761402","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-07-24T02:02:35.000Z","state":"TN","company_public_response":null,"sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["I have been reading the Consumer Affairs and other complaints <em>filed</em> and many people have been affected as I have, some not receiving their <em>money</em> yet at all or for many months. One even <em>reported</em> that Chase had kept {$7500.00} of her {$15000.00}. They can not feed their children, their cars are getting repossessed, and some even having to go to the Emergency Room for their XXXX medicines and such because they have no access to their <em>money</em>."]},"sort":[11.02505,"3761402"]},{"_index":"complaint-public-v1","_id":"8922396","_score":10.383799,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"my name is XXXX XXXX XXXX today date is XX/XX/year> SS # XXXX XXXX XXXX i have seen fruad bank account checking ang saving and fraud inquiries in my consumer report from early warning under the \" FAIR CARES ACT '' law anything i claim as fraud as iam a federally protected consumer all fraud account should be removed with in  4 days of my date my claim of identity theft .. i will list fraud bank accounts and inquiries below MY CONSUMER ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  5 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.\n\n( 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.\n\n( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address.\n\n( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means 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.\n\nFederal Code Provision for Bank Fraud 18 U.S.C. 1344 states that anyone who knowingly executes a scheme in order to defraud a financial institution to obtain money or property from a financial institution using fraudulent representations 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts U.S. Code ( a ) One-call fraud alerts ( 1 ) Initial alerts Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, a consumer reporting agency described in section 1681a ( p ) of this title that maintains a file on the consumer and has received appropriate proof of the identity of the requester shall ( A ) include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, for a period of not less than 1 year, beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period, and the agency has received appropriate proof of the identity of the requester for such purpose ; and ( B ) refer the information regarding the fraud alert under this paragraph to each of the other consumer reporting agencies described in section 1681a ( p ) of this title, in accordance with procedures developed under section 1681s ( f ) of this title.\n\n( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681j ( d ) of this title ; and ( B ) provide to the consumer all disclosures required to be made under section 1681g of this title, without charge to the consumer, not later than XXXX business days after any request described in subparagraph ( A ).\n\n( b ) Extended alerts ( 1 ) In general Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who submits an identity theft report to a consumer reporting agency described in section 1681a ( p ) of this title that maintains a file on the consumer, if the agency has received appropriate proof of the identity of the requester, the agency shall ( A ) include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, during the XXXX period beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period and the agency has received appropriate proof of the identity of the requester for such purpose ; ( B ) during the XXXX period beginning on the date of such request, exclude the consumer from any list of consumers prepared by the consumer reporting agency and provided to any third party to offer credit or insurance to the consumer as part of a transaction that was not initiated by the consumer, unless the consumer or such representative requests that such exclusion be rescinded before the end of such period ; and ( C ) refer the information regarding the extended fraud alert under this paragraph to each of the other consumer reporting agencies described in section 1681a ( p ) of this title, in accordance with procedures developed under section 1681s ( f ) of this title.\n\n( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request XXXX free copies of the file of the consumer pursuant to section 1681j ( d ) of this title during the XXXX period beginning on the date on which the fraud alert was included in the file ; and ( B ) provide to the consumer all disclosures required to be made under section 1681g of this title, without charge to the consumer, not later than XXXX business days after any request described in subparagraph ( A ). \n\n( c ) XXXX XXXX alerts Upon the direct request of an XXXX XXXX military consumer, or an individual acting on behalf of or as a personal representative of an XXXX XXXX military consumer, a consumer reporting agency described in section 1681a ( p ) of this title that maintains a file on the XXXX XXXX military consumer and has received appropriate proof of the identity of the requester shall ( 1 ) include an XXXX XXXX alert in the file of that XXXX XXXX military consumer, and also provide that alert along with any credit score generated in using that file, during a period of not less than XXXX months, or such longer period as the Bureau shall determine, by regulation, beginning on the date of the request, unless the XXXX XXXX military consumer or such representative requests that such fraud alert be removed before the end of such period, and the agency has received appropriate proof of the identity of the requester for such purpose ; ( XXXX ) during the XXXX period beginning on the date of such request, exclude the XXXX XXXX military consumer from any list of consumers prepared by the consumer reporting agency and provided to any third party to offer credit or insurance to the consumer as part of a transaction that was not initiated by the consumer, unless the consumer requests that such exclusion be rescinded before the end of such period; and ( XXXX ) refer the information regarding the XXXX XXXX alert to each of the other consumer reporting agencies described in section 1681a ( p ) of this title, in accordance with procedures developed under section 1681s ( f ) of this title.\n\n( d ) Procedures Each consumer reporting agency described in section 1681a ( p ) of this title shall establish policies and procedures to comply with this section, including procedures that inform consumers of the availability of initial, extended, and XXXX XXXX alerts and procedures that allow consumers and XXXX XXXX military consumers to request initial, extended, or XXXX XXXX alerts ( as applicable ) in a simple and easy manner, including by telephone. \n\n( e ) Referrals of alerts Each consumer reporting agency described in section 1681a ( p ) of this title that receives a referral of a fraud alert or XXXX XXXX alert from another consumer reporting agency pursuant to this section shall, as though the agency received the request from the consumer directly, follow the procedures required under ( 1 ) paragraphs ( 1 ) ( A ) and ( 2 ) of subsection ( a ), in the case of a referral under subsection ( a ) ( 1 ) ( B ) ; ( 2 ) paragraphs ( 1 ) ( A ), ( 1 ) ( B ), and ( 2 ) of subsection ( b ), in the case of a referral under subsection ( b ) ( 1 ) ( C ) ; and ( 3 ) paragraphs ( 1 ) and ( 2 ) of subsection ( c ), in the case of a referral under subsection ( c ) ( 3 ).\n\n( f ) Duty of reseller to reconvey alert A reseller shall include in its report any fraud alert or XXXX XXXX alert placed in the file of a consumer pursuant to this section by another consumer reporting agency. \n\n( g ) Duty of other consumer reporting agencies to provide contact information If a consumer contacts any consumer reporting agency that is not described in section 1681a ( p ) of this title to communicate a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, the agency shall provide information to the consumer on how to contact the Bureau and the consumer reporting agencies described in section 1681a ( p ) of this title to obtain more detailed information and request alerts under this section.\n\n( h ) Limitations on use of information for credit extensions ( 1 ) Requirements for initial and XXXX XXXX alerts ( A ) Notification Each initial fraud alert and XXXX XXXX alert under this section shall include information that notifies all prospective users of a consumer report on the consumer to which the alert relates that the consumer does not authorize the establishment of any new credit plan or extension of credit, other than under an open-end credit plan ( as defined in section 1602 ( i ) [ 1 ] of this title ), in the name of the consumer, or issuance of an additional card on an existing credit account requested by a consumer, or any increase in credit limit on an existing credit account requested by a consumer, except in accordance with subparagraph ( B ).\n\n( B ) Limitation on users ( i ) In general No prospective user of a consumer report that includes an initial fraud alert or an XXXX XXXX alert in accordance with this section may establish a new credit plan or extension of credit, other than under an open-end credit plan ( as defined in section 1602 ( i ) 1 of this title ), in the name of the consumer, or issue an additional card on an existing credit account requested by a consumer, or grant any increase in credit limit on an existing credit account requested by a consumer, unless the user utilizes reasonable policies and procedures to form a reasonable belief that the user knows the identity of the person making the request.\n\n( ii ) Verification If a consumer requesting the alert has specified a telephone number to be used for identity verification purposes, before authorizing any new credit plan or extension described in clause ( i ) in the name of such consumer, a user of such consumer report shall contact the consumer using that telephone number or take reasonable steps to verify the consumers identity and confirm that the application for a new credit plan is not the result of identity theft.\n\n( 2 ) Requirements for extended alerts ( A ) Notification Each extended alert under this section shall include information that provides all prospective users of a consumer report relating to a consumer with ( i ) notification that the consumer does not authorize the establishment of any new credit plan or extension of credit described in clause ( i ), other than under an open-end credit plan ( as defined in section 1602 ( i ) 1 of this title ), in the name of the consumer, or issuance of an additional card on an existing credit account requested by a consumer, or any increase in credit limit on an existing credit account requested by a consumer, except in accordance with subparagraph ( B ) ; and ( ii ) a telephone number or other reasonable contact method designated by the consumer.\n\n( B ) Limitation on users No prospective user of a consumer report or of a credit score generated using the information in the file of a consumer that includes an extended fraud alert in accordance with this section may establish a new credit plan or extension of credit, other than under an open-end credit plan ( as defined in section 1602 ( i ) 1 of this title ), in the name of the consumer, or issue an additional card on an existing credit account requested by a consumer, or any increase in credit limit on an existing credit account requested by a consumer, unless the user contacts the consumer in person or using the contact method described in subparagraph ( A ) ( ii ) to confirm that the application for a new credit plan or increase in credit limit, or request for an additional card is not the result of identity theft.\n\n( i ) National security freeze ( 1 ) Definitions For purposes of this subsection : ( A ) The term consumer reporting agency means a consumer reporting agency described in section 1681a ( p ) of this title.\n\n( B ) The term proper identification has the meaning of such term as used under section 1681h of this title.\n\n( C ) The term security freeze means a restriction that prohibits a consumer reporting agency from disclosing the contents of a consumer report that is subject to such security freeze to any person requesting the consumer report.\n\n( 2 ) Placement of security freeze ( A ) In general Upon receiving a direct request from a consumer that a consumer reporting agency place a security freeze, and upon receiving proper identification from the consumer, the consumer reporting agency shall, free of charge, place the security freeze not later than ( i ) in the case of a request that is by toll-free telephone or secure electronic means, 1 business day after receiving the request directly from the consumer; or ( ii ) in the case of a request that is by mail, 3 business days after receiving the request directly from the consumer.\n\n( B ) Confirmation and additional information Not later than 5 business days after placing a security freeze under subparagraph ( A ), a consumer reporting agency shall ( i ) send confirmation of the placement to the consumer ; and ( ii ) inform the consumer of ( I ) the process by which the consumer may remove the security freeze, including a mechanism to authenticate the consumer ; and ( II ) the consumers right described in section 1681m ( d ) ( 1 ) ( D ) of this title.\n\n( C ) Notice to third parties A consumer reporting agency may advise a third party that a security freeze has been placed with respect to a consumer under subparagraph ( A ).\n\n( 3 ) Removal of security freeze ( A ) In general A consumer reporting agency shall remove a security freeze placed on the consumer report of a consumer only in the following cases : ( i ) Upon the direct request of the consumer.\n\n( ii ) The security freeze was placed due to a material misrepresentation of fact by the consumer.\n\n( B ) Notice if removal not by request If a consumer reporting agency removes a security freeze under subparagraph ( A ) ( ii ), the consumer reporting agency shall notify the consumer in writing prior to removing the security freeze.\n\n( C ) Removal of security freeze by consumer request Except as provided in subparagraph ( A ) ( ii ), a security freeze shall remain in place until the consumer directly requests that the security freeze be removed. Upon receiving a direct request from a consumer that a consumer reporting agency remove a security freeze, and upon receiving proper identification from the consumer, the consumer reporting agency shall, free of charge, remove the security freeze not later than ( i ) in the case of a request that is by toll-free telephone or secure electronic means, 1 hour after receiving the request for removal ; or ( ii ) in the case of a request that is by mail, 3 business days after receiving the request for removal.\n\n( D ) Third-party requests If a third party requests access to a consumer report of a consumer with respect to which a security freeze is in effect, where such request is in connection with an application for credit, and the consumer does not allow such consumer report to be accessed, the third party may treat the application as incomplete.\n\n( E ) Temporary removal of security freeze Upon receiving a direct request from a consumer under subparagraph ( A ) ( i ), if the consumer requests a temporary removal of a security freeze, the consumer reporting agency shall, in accordance with subparagraph ( C ), remove the security freeze for the period of time specified by the consumer.\n\n( 4 ) Exceptions A security freeze shall not apply to the making of a consumer report for use of the following : ( A ) A person or entity, or a subsidiary, affiliate, or agent of that person or entity, or an assignee of a financial obligation owed by the consumer to that person or entity, or a prospective assignee of a financial obligation owed by the consumer to that person or entity in conjunction with the proposed purchase of the financial obligation, with which the consumer has or had prior to assignment an account or contract including a demand deposit account, or to whom the consumer issued a negotiable instrument, for the purposes of reviewing the account or collecting the financial obligation owed for the account, contract, or negotiable instrument. For purposes of this subparagraph, reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.\n\n( B ) Any Federal, State, or local agency, law enforcement agency, trial court, or private collection agency acting pursuant to a court order, warrant, or subpoena.\n\n( C ) A child support agency acting pursuant to part D of title IV of the Social Security Act ( 42 U.S.C. 651 et seq. ).\n\n( D ) A Federal agency or a State or its agents or assigns acting to investigate fraud or acting to investigate or collect delinquent taxes or unpaid court orders or to fulfill any of its other statutory responsibilities, provided such responsibilities are consistent with a permissible purpose under section 1681b of this title.\n\n( E ) By a person using credit information for the purposes described under section 1681b ( c ) of this title.\n\n( F ) Any person or entity administering a credit file monitoring subscription or similar service to which the consumer has subscribed.\n\n( G ) Any person or entity for the purpose of providing a consumer with a copy of the consumers consumer report or credit score, upon the request of the consumer.\n\n( H ) Any person using the information in connection with the underwriting of insurance.\n\n( I ) Any person using the information for employment, tenant, or background screening purposes.\n\n( J ) Any person using the information for assessing, verifying, or authenticating a consumers identity for purposes other than the granting of credit, or for investigating or preventing actual or potential fraud.\n\n( 5 ) Notice of rights At any time a consumer is required to receive a summary of rights required under section 1681g of this title, the following notice shall be included : Consumers Have the Right To Obtain a Security Freeze You have a right to place a security freeze on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit.\n\nAs an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumers credit file. Upon seeing a fraud alert display on a consumers credit file, a business is required to take steps to verify the consumers identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years.\n\nA security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements..\n\n( 6 ) Webpage ( A ) Consumer reporting agencies A consumer reporting agency shall establish a webpage that ( i ) allows a consumer to request a security freeze ; ( ii ) allows a consumer to request an initial fraud alert ; ( iii ) allows a consumer to request an extended fraud alert ; ( iv ) allows a consumer to request an XXXX XXXX fraud alert ; ( v ) allows a consumer to opt-out of the use of information in a consumer report to send the consumer a solicitation of credit or insurance, in accordance with section 1681m ( d ) of this title; and ( vi ) shall not be the only mechanism by which a consumer may request a security freeze.\n\n( B ) FTC The Federal Trade Commission shall establish a single webpage that includes a link to each webpage established under subparagraph ( A ) within the Federal Trade Commissions website www.Identitytheft.gov, or a successor website.\n\n( j ) National protection for files and credit records of protected consumers ( 1 ) Definitions As used in this subsection : ( A ) The term consumer reporting agency means a consumer reporting agency described in section 1681a ( p ) of this title.\n\n( B ) The term protected consumer means an individual who is ( i ) under the age of 16 years at the time a request for the placement of a security freeze is made ; or ( ii ) an incapacitated person or a protected person for whom a guardian or conservator has been appointed.\n\n( C ) The term protected consumers representative means a person who provides to a consumer reporting agency sufficient proof of authority to act on behalf of a protected consumer.\n\n( D ) The term record means a compilation of information that ( i ) identifies a protected consumer ; ( ii ) is created by a consumer reporting agency solely for the purpose of complying with this subsection; and ( iii ) may not be created or used to consider the protected consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.\n\n( E ) The term security freeze means a restriction that prohibits a consumer reporting agency from disclosing the contents of a consumer report that is the subject of such security freeze or, in the case of a protected consumer for whom the consumer reporting agency does not have a file, a record that is subject to such security freeze to any person requesting the consumer report for the purpose of opening a new account involving the extension of credit.\n\n( F ) The term sufficient proof of authority means documentation that shows a protected consumers representative has authority to act on behalf of a protected consumer and includes ( i ) an order issued by a court of law ; ( ii ) a lawfully executed and valid power of attorney ; ( iii ) a document issued by a Federal, State, or local government agency in the United States showing proof of parentage, including a birth certificate ; or ( iv ) with respect to a protected consumer who has been placed in a foster care setting, a written communication from a county welfare department or its agent or designee, or a county probation department or its agent or designee, certifying that the protected consumer is in a foster care setting under its jurisdiction.\n\n( G ) The term sufficient proof of identification means information or documentation that identifies a protected consumer and a protected consumers representative and includes ( i ) a social security number or a copy of a social security card issued by the Social Security Administration ; ( ii ) a certified or official copy of a birth certificate issued by the entity authorized to issue the birth certificate ; or ( iii ) a copy of a drivers license, an identification card issued by the motor vehicle administration, or any other government issued identification.\n\n( 2 ) Placement of security freeze for a protected consumer ( A ) In general Upon receiving a direct request from a protected consumers representative that a consumer reporting agency place a security freeze, and upon receiving sufficient proof of identification and sufficient proof of authority, the consumer reporting agency shall, free of charge, place the security freeze not later than ( i ) in the case of a request that is by toll-free telephone or secure electronic means, 1 business day after receiving the request directly from the protected consumers representative; or ( ii ) in the case of a request that is by mail, 3 business days after receiving the request directly from the protected consumers representative.\n\n( B ) Confirmation and additional information Not later than 5 business days after placing a security freeze under subparagraph ( A ), a consumer reporting agency shall ( i ) send confirmation of the placement to the protected consumers representative ; and ( ii ) inform the protected consumers representative of the process by which the protected consumer may remove the security freeze, including a mechanism to authenticate the protected consumers representative.\n\n( C ) Creation of file If a consumer reporting agency does not have a file pertaining to a protected consumer when the consumer reporting agency receives a direct request under subparagraph ( A ), the consumer reporting agency shall create a record for the protected consumer.\n\n( 3 ) Prohibition on release of record or file of protected consumer After a security freeze has been placed under paragraph ( 2 ) ( A ), and unless the security freeze is removed in accordance with this subsection, a consumer reporting agency may not release the protected consumers consumer report, any information derived from the protected consumers consumer report, or any record created for the protected consumer.\n\n( 4 ) Removal of a protected consumer security freeze ( A ) In general A consumer reporting agency shall remove a security freeze placed on the consumer report of a protected consumer only in the following cases : ( i ) Upon the direct request of the protected consumers representative.\n\n( ii ) Upon the direct request of the protected consumer, if the protected consumer is not under tll face imprisonment and fines.","date_sent_to_company":"2024-05-03T20:01:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11727","tags":null,"has_narrative":true,"complaint_id":"8922396","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2024-05-03T20:01:00.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["An initial <em>fraud</em> alert is a 1-year alert that is placed on a consumers credit <em>file</em>. Upon seeing a <em>fraud</em> alert display on a consumers credit <em>file</em>, a business is required to take steps to verify the consumers <em>identity</em> before extending new credit. If you are a victim of <em>identity</em> <em>theft</em>, you are entitled to an extended <em>fraud</em> alert, which is a <em>fraud</em> alert lasting 7 years."],"issue":["Incorrect information on your <em>report</em>"],"company":["Early <em>Warning</em> Services, LLC"]},"sort":[10.383799,"8922396"]},{"_index":"complaint-public-v1","_id":"8922395","_score":10.383799,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"my name is XXXX XXXX XXXX today date is XX/XX/year> SS # XXXX XXXX XXXX i have seen fruad bank account checking ang saving and fraud inquiries in my consumer report from early warning under the \" FAIR CARES ACT '' law anything i claim as fraud as iam a federally protected consumer all fraud account should be removed with in XXXX days of my date my claim of identity theft .. i will list fraud bank accounts and inquiries below MY CONSUMER ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5 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.\n\n( 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.\n\n( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address.\n\n( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means 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.\n\nFederal Code Provision for Bank Fraud 18 U.S.C. 1344 states that anyone who knowingly executes a scheme in order to defraud a financial institution to obtain money or property from a financial institution using fraudulent representations 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts U.S. Code ( a ) One-call fraud alerts ( 1 ) Initial alerts Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, a consumer reporting agency described in section 1681a ( p ) of this title that maintains a file on the consumer and has received appropriate proof of the identity of the requester shall ( A ) include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, for a period of not less than 1 year, beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period, and the agency has received appropriate proof of the identity of the requester for such purpose ; and ( B ) refer the information regarding the fraud alert under this paragraph to each of the other consumer reporting agencies described in section 1681a ( p ) of this title, in accordance with procedures developed under section 1681s ( f ) of this title.\n\n( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681j ( d ) of this title ; and ( B ) provide to the consumer all disclosures required to be made under section 1681g of this title, without charge to the consumer, not later than 3 business days after any request described in subparagraph ( A ).\n\n( b ) Extended alerts ( 1 ) In general Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who submits an identity theft report to a consumer reporting agency described in section 1681a ( p ) of this title that maintains a file on the consumer, if the agency has received appropriate proof of the identity of the requester, the agency shall ( A ) include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, during the XXXX period beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period and the agency has received appropriate proof of the identity of the requester for such purpose ; ( B ) during the XXXX period beginning on the date of such request, exclude the consumer from any list of consumers prepared by the consumer reporting agency and provided to any third party to offer credit or insurance to the consumer as part of a transaction that was not initiated by the consumer, unless the consumer or such representative requests that such exclusion be rescinded before the end of such period ; and ( C ) refer the information regarding the extended fraud alert under this paragraph to each of the other consumer reporting agencies described in section 1681a ( p ) of this title, in accordance with procedures developed under section 1681s ( f ) of this title.\n\n( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request XXXX free copies of the file of the consumer pursuant to section 1681j ( d ) of this title during the XXXX period beginning on the date on which the fraud alert was included in the file ; and ( B ) provide to the consumer all disclosures required to be made under section 1681g of this title, without charge to the consumer, not later than XXXX business days after any request described in subparagraph ( A ). \n\n( c ) XXXX XXXX alerts Upon the direct request of an XXXX XXXX military consumer, or an individual acting on behalf of or as a personal representative of an XXXX XXXX military consumer, a consumer reporting agency described in section 1681a ( p ) of this title that maintains a file on the XXXX XXXX military consumer and has received appropriate proof of the identity of the requester shall ( XXXX ) include an XXXX XXXX alert in the file of that XXXX XXXX military consumer, and also provide that alert along with any credit score generated in using that file, during a period of not less than XXXX  months, or such longer period as the Bureau shall determine, by regulation, beginning on the date of the request, unless the XXXX XXXX military consumer or such representative requests that such fraud alert be removed before the end of such period, and the agency has received appropriate proof of the identity of the requester for such purpose ; ( XXXX ) during the XXXX period beginning on the date of such request, exclude the XXXX XXXX military consumer from any list of consumers prepared by the consumer reporting agency and provided to any third party to offer credit or insurance to the consumer as part of a transaction that was not initiated by the consumer, unless the consumer requests that such exclusion be rescinded before the end of such period; and ( XXXX ) refer the information regarding the XXXX XXXX alert to each of the other consumer reporting agencies described in section 1681a ( p ) of this title, in accordance with procedures developed under section 1681s ( f ) of this title.\n\n( d ) Procedures Each consumer reporting agency described in section 1681a ( p ) of this title shall establish policies and procedures to comply with this section, including procedures that inform consumers of the availability of initial, extended, and XXXX XXXX alerts and procedures that allow consumers and XXXX XXXX military consumers to request initial, extended, or XXXX XXXX alerts ( as applicable ) in a simple and easy manner, including by telephone. \n\n( e ) Referrals of alerts Each consumer reporting agency described in section 1681a ( p ) of this title that receives a referral of a fraud alert or XXXX XXXX alert from another consumer reporting agency pursuant to this section shall, as though the agency received the request from the consumer directly, follow the procedures required under ( 1 ) paragraphs ( 1 ) ( A ) and ( 2 ) of subsection ( a ), in the case of a referral under subsection ( a ) ( 1 ) ( B ) ; ( 2 ) paragraphs ( 1 ) ( A ), ( 1 ) ( B ), and ( 2 ) of subsection ( b ), in the case of a referral under subsection ( b ) ( 1 ) ( C ) ; and ( 3 ) paragraphs ( 1 ) and ( 2 ) of subsection ( c ), in the case of a referral under subsection ( c ) ( 3 ).\n\n( f ) Duty of reseller to reconvey alert A reseller shall include in its report any fraud alert or XXXX XXXX alert placed in the file of a consumer pursuant to this section by another consumer reporting agency. \n\n( g ) Duty of other consumer reporting agencies to provide contact information If a consumer contacts any consumer reporting agency that is not described in section 1681a ( p ) of this title to communicate a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, the agency shall provide information to the consumer on how to contact the Bureau and the consumer reporting agencies described in section 1681a ( p ) of this title to obtain more detailed information and request alerts under this section.\n\n( h ) Limitations on use of information for credit extensions ( 1 ) Requirements for initial and XXXX XXXX alerts ( A ) Notification Each initial fraud alert and XXXX XXXX alert under this section shall include information that notifies all prospective users of a consumer report on the consumer to which the alert relates that the consumer does not authorize the establishment of any new credit plan or extension of credit, other than under an open-end credit plan ( as defined in section 1602 ( i ) [ 1 ] of this title ), in the name of the consumer, or issuance of an additional card on an existing credit account requested by a consumer, or any increase in credit limit on an existing credit account requested by a consumer, except in accordance with subparagraph ( B ).\n\n( B ) Limitation on users ( i ) In general No prospective user of a consumer report that includes an initial fraud alert or an XXXX XXXX alert in accordance with this section may establish a new credit plan or extension of credit, other than under an open-end credit plan ( as defined in section 1602 ( i ) 1 of this title ), in the name of the consumer, or issue an additional card on an existing credit account requested by a consumer, or grant any increase in credit limit on an existing credit account requested by a consumer, unless the user utilizes reasonable policies and procedures to form a reasonable belief that the user knows the identity of the person making the request.\n\n( ii ) Verification If a consumer requesting the alert has specified a telephone number to be used for identity verification purposes, before authorizing any new credit plan or extension described in clause ( i ) in the name of such consumer, a user of such consumer report shall contact the consumer using that telephone number or take reasonable steps to verify the consumers identity and confirm that the application for a new credit plan is not the result of identity theft.\n\n( 2 ) Requirements for extended alerts ( A ) Notification Each extended alert under this section shall include information that provides all prospective users of a consumer report relating to a consumer with ( i ) notification that the consumer does not authorize the establishment of any new credit plan or extension of credit described in clause ( i ), other than under an open-end credit plan ( as defined in section 1602 ( i ) 1 of this title ), in the name of the consumer, or issuance of an additional card on an existing credit account requested by a consumer, or any increase in credit limit on an existing credit account requested by a consumer, except in accordance with subparagraph ( B ) ; and ( ii ) a telephone number or other reasonable contact method designated by the consumer.\n\n( B ) Limitation on users No prospective user of a consumer report or of a credit score generated using the information in the file of a consumer that includes an extended fraud alert in accordance with this section may establish a new credit plan or extension of credit, other than under an open-end credit plan ( as defined in section 1602 ( i ) 1 of this title ), in the name of the consumer, or issue an additional card on an existing credit account requested by a consumer, or any increase in credit limit on an existing credit account requested by a consumer, unless the user contacts the consumer in person or using the contact method described in subparagraph ( A ) ( ii ) to confirm that the application for a new credit plan or increase in credit limit, or request for an additional card is not the result of identity theft.\n\n( i ) National security freeze ( 1 ) Definitions For purposes of this subsection : ( A ) The term consumer reporting agency means a consumer reporting agency described in section 1681a ( p ) of this title.\n\n( B ) The term proper identification has the meaning of such term as used under section 1681h of this title.\n\n( C ) The term security freeze means a restriction that prohibits a consumer reporting agency from disclosing the contents of a consumer report that is subject to such security freeze to any person requesting the consumer report.\n\n( 2 ) Placement of security freeze ( A ) In general Upon receiving a direct request from a consumer that a consumer reporting agency place a security freeze, and upon receiving proper identification from the consumer, the consumer reporting agency shall, free of charge, place the security freeze not later than ( i ) in the case of a request that is by toll-free telephone or secure electronic means, XXXX business day after receiving the request directly from the consumer; or ( ii ) in the case of a request that is by mail, 3 business days after receiving the request directly from the consumer.\n\n( B ) Confirmation and additional information Not later than XXXX business days after placing a security freeze under subparagraph ( A ), a consumer reporting agency shall ( i ) send confirmation of the placement to the consumer ; and ( ii ) inform the consumer of ( I ) the process by which the consumer may remove the security freeze, including a mechanism to authenticate the consumer ; and ( II ) the consumers right described in section 1681m ( d ) ( 1 ) ( D ) of this title.\n\n( C ) Notice to third parties A consumer reporting agency may advise a third party that a security freeze has been placed with respect to a consumer under subparagraph ( A ).\n\n( 3 ) Removal of security freeze ( A ) In general A consumer reporting agency shall remove a security freeze placed on the consumer report of a consumer only in the following cases : ( i ) Upon the direct request of the consumer.\n\n( ii ) The security freeze was placed due to a material misrepresentation of fact by the consumer.\n\n( B ) Notice if removal not by request If a consumer reporting agency removes a security freeze under subparagraph ( A ) ( ii ), the consumer reporting agency shall notify the consumer in writing prior to removing the security freeze.\n\n( C ) Removal of security freeze by consumer request Except as provided in subparagraph ( A ) ( ii ), a security freeze shall remain in place until the consumer directly requests that the security freeze be removed. Upon receiving a direct request from a consumer that a consumer reporting agency remove a security freeze, and upon receiving proper identification from the consumer, the consumer reporting agency shall, free of charge, remove the security freeze not later than ( i ) in the case of a request that is by toll-free telephone or secure electronic means, XXXX hour after receiving the request for removal ; or ( ii ) in the case of a request that is by mail, XXXX business days after receiving the request for removal. \n\n( D ) Third-party requests If a third party requests access to a consumer report of a consumer with respect to which a security freeze is in effect, where such request is in connection with an application for credit, and the consumer does not allow such consumer report to be accessed, the third party may treat the application as incomplete.\n\n( E ) Temporary removal of security freeze Upon receiving a direct request from a consumer under subparagraph ( A ) ( i ), if the consumer requests a temporary removal of a security freeze, the consumer reporting agency shall, in accordance with subparagraph ( C ), remove the security freeze for the period of time specified by the consumer.\n\n( 4 ) Exceptions A security freeze shall not apply to the making of a consumer report for use of the following : ( A ) A person or entity, or a subsidiary, affiliate, or agent of that person or entity, or an assignee of a financial obligation owed by the consumer to that person or entity, or a prospective assignee of a financial obligation owed by the consumer to that person or entity in conjunction with the proposed purchase of the financial obligation, with which the consumer has or had prior to assignment an account or contract including a demand deposit account, or to whom the consumer issued a negotiable instrument, for the purposes of reviewing the account or collecting the financial obligation owed for the account, contract, or negotiable instrument. For purposes of this subparagraph, reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.\n\n( B ) Any Federal, State, or local agency, law enforcement agency, trial court, or private collection agency acting pursuant to a court order, warrant, or subpoena.\n\n( C ) A child support agency acting pursuant to part D of title IV of the Social Security Act ( 42 U.S.C. 651 et seq. ).\n\n( D ) A Federal agency or a State or its agents or assigns acting to investigate fraud or acting to investigate or collect delinquent taxes or unpaid court orders or to fulfill any of its other statutory responsibilities, provided such responsibilities are consistent with a permissible purpose under section 1681b of this title.\n\n( E ) By a person using credit information for the purposes described under section 1681b ( c ) of this title.\n\n( F ) Any person or entity administering a credit file monitoring subscription or similar service to which the consumer has subscribed.\n\n( G ) Any person or entity for the purpose of providing a consumer with a copy of the consumers consumer report or credit score, upon the request of the consumer.\n\n( H ) Any person using the information in connection with the underwriting of insurance.\n\n( I ) Any person using the information for employment, tenant, or background screening purposes.\n\n( J ) Any person using the information for assessing, verifying, or authenticating a consumers identity for purposes other than the granting of credit, or for investigating or preventing actual or potential fraud.\n\n( 5 ) Notice of rights At any time a consumer is required to receive a summary of rights required under section 1681g of this title, the following notice shall be included : Consumers Have the Right To Obtain a Security Freeze You have a right to place a security freeze on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit.\n\nAs an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no cost. An initial fraud alert is a XXXX alert that is placed on a consumers credit file. Upon seeing a fraud alert display on a consumers credit file, a business is required to take steps to verify the consumers identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting XXXX years. \n\nA security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.. \n\n( 6 ) Webpage ( A ) Consumer reporting agencies A consumer reporting agency shall establish a webpage that ( i ) allows a consumer to request a security freeze ; ( ii ) allows a consumer to request an initial fraud alert ; ( iii ) allows a consumer to request an extended fraud alert ; ( iv ) allows a consumer to request an XXXX XXXX fraud alert ; ( v ) allows a consumer to opt-out of the use of information in a consumer report to send the consumer a solicitation of credit or insurance, in accordance with section 1681m ( d ) of this title; and ( vi ) shall not be the only mechanism by which a consumer may request a security freeze.\n\n( B ) FTC The Federal Trade Commission shall establish a single webpage that includes a link to each webpage established under subparagraph ( A ) within the Federal Trade Commissions website www.Identitytheft.gov, or a successor website.\n\n( j ) National protection for files and credit records of protected consumers ( 1 ) Definitions As used in this subsection : ( A ) The term consumer reporting agency means a consumer reporting agency described in section 1681a ( p ) of this title.\n\n( B ) The term protected consumer means an individual who is ( i ) under the age of 16 years at the time a request for the placement of a security freeze is made ; or ( ii ) an incapacitated person or a protected person for whom a guardian or conservator has been appointed.\n\n( C ) The term protected consumers representative means a person who provides to a consumer reporting agency sufficient proof of authority to act on behalf of a protected consumer.\n\n( D ) The term record means a compilation of information that ( i ) identifies a protected consumer ; ( ii ) is created by a consumer reporting agency solely for the purpose of complying with this subsection; and ( iii ) may not be created or used to consider the protected consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.\n\n( E ) The term security freeze means a restriction that prohibits a consumer reporting agency from disclosing the contents of a consumer report that is the subject of such security freeze or, in the case of a protected consumer for whom the consumer reporting agency does not have a file, a record that is subject to such security freeze to any person requesting the consumer report for the purpose of opening a new account involving the extension of credit.\n\n( F ) The term sufficient proof of authority means documentation that shows a protected consumers representative has authority to act on behalf of a protected consumer and includes ( i ) an order issued by a court of law ; ( ii ) a lawfully executed and valid power of attorney ; ( iii ) a document issued by a Federal, State, or local government agency in the United States showing proof of parentage, including a birth certificate ; or ( iv ) with respect to a protected consumer who has been placed in a foster care setting, a written communication from a county welfare department or its agent or designee, or a county probation department or its agent or designee, certifying that the protected consumer is in a foster care setting under its jurisdiction.\n\n( G ) The term sufficient proof of identification means information or documentation that identifies a protected consumer and a protected consumers representative and includes ( i ) a social security number or a copy of a social security card issued by the Social Security Administration ; ( ii ) a certified or official copy of a birth certificate issued by the entity authorized to issue the birth certificate ; or ( iii ) a copy of a drivers license, an identification card issued by the motor vehicle administration, or any other government issued identification.\n\n( 2 ) Placement of security freeze for a protected consumer ( A ) In general Upon receiving a direct request from a protected consumers representative that a consumer reporting agency place a security freeze, and upon receiving sufficient proof of identification and sufficient proof of authority, the consumer reporting agency shall, free of charge, place the security freeze not later than ( i ) in the case of a request that is by toll-free telephone or secure electronic means, 1 business day after receiving the request directly from the protected consumers representative; or ( ii ) in the case of a request that is by mail, 3 business days after receiving the request directly from the protected consumers representative.\n\n( B ) Confirmation and additional information Not later than 5 business days after placing a security freeze under subparagraph ( A ), a consumer reporting agency shall ( i ) send confirmation of the placement to the protected consumers representative ; and ( ii ) inform the protected consumers representative of the process by which the protected consumer may remove the security freeze, including a mechanism to authenticate the protected consumers representative.\n\n( C ) Creation of file If a consumer reporting agency does not have a file pertaining to a protected consumer when the consumer reporting agency receives a direct request under subparagraph ( A ), the consumer reporting agency shall create a record for the protected consumer.\n\n( 3 ) Prohibition on release of record or file of protected consumer After a security freeze has been placed under paragraph ( 2 ) ( A ), and unless the security freeze is removed in accordance with this subsection, a consumer reporting agency may not release the protected consumers consumer report, any information derived from the protected consumers consumer report, or any record created for the protected consumer.\n\n( 4 ) Removal of a protected consumer security freeze ( A ) In general A consumer reporting agency shall remove a security freeze placed on the consumer report of a protected consumer only in the following cases : ( i ) Upon the direct request of the protected consumers representative.\n\n( ii ) Upon the direct request of the protected consumer, if the protected consumer is not under tll face imprisonment and fines.","date_sent_to_company":"2024-05-03T20:01:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11727","tags":null,"has_narrative":true,"complaint_id":"8922395","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CBC Companies, Inc.","date_received":"2024-05-03T20:01:00.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["An initial <em>fraud</em> alert is a XXXX alert that is placed on a consumers credit <em>file</em>. Upon seeing a <em>fraud</em> alert display on a consumers credit <em>file</em>, a business is required to take steps to verify the consumers <em>identity</em> before extending new credit. If you are a victim of <em>identity</em> <em>theft</em>, you are entitled to an extended <em>fraud</em> alert, which is a <em>fraud</em> alert lasting XXXX years."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[10.383799,"8922395"]},{"_index":"complaint-public-v1","_id":"11648663","_score":8.999277,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am absolutely outraged at Citizens Bank 's false and misleading marketing, failure to abide by the EFTA, improper investigations of fraudulent transactions, lack of consumer protections for their customers, and most importantly, knowingly making false claims and fraudulent misrepresentation. I am an elderly, low income individual who lost {$1000.00} after being victimized by highly sophisticated financial fraud. I received a call on XX/XX/XXXX from a phone number that was showing up on my caller id as XXXX XXXX, and indeed, when one dialed back the same exact telephone number, the call would direct to the XXXX XXXX business entity. I later learned that this call was utilizing the process of spoofing, with the caller spoofing the XXXX XXXX caller ID. As an elderly individual, and one whose native language is not English, one can imagine that numerous scammers and hackers have attempted to defraud me, but this was not a situation that I have ever encountered before. Thus no one can make the claim that I have made numerous reports and am engaging in some kind of pattern of reporting fraud that would lead a banking institution to be suspicious of me ( although, even if that were the case, it would be Citizens Bank 's responsibility to terminate their relationship with me, not to continue doing business with me for several years and then suddenly failing to take my claim seriously ). On the very same day that I received this fraudulent call impersonating XXXX XXXX, I noticed an unauthorized transaction of XXXX from my checking account. I reported the fraudulent transaction on the very same day, and was given assurance that the matter would be investigated. I first called the local branch ( in XXXX, XXXX ), reported my concern, and additionally called the company headquarters and gave my report to a representative by the name of XXXX ( Claim number XXXX ). I immediately changed my ATM card to prevent any further fraudulent transactions from occurring while awaiting further details from Citizens Bank. At this time, the transaction was still showing up as on \" Hold, '' and I had made sure to instruct the bank to not under any circumstances authorize this payment. The recipient of these funds was listed as \" XXXX XXXX XXXX, '' an entity I had never heard of before and one that I did not have a transactional record with in all my years of banking with Citizens Bank. I was shocked to receive notice on XX/XX/XXXX that this transaction was never paused despite being reported same-day, and that I would not be refunded because the investigation concluded that nothing erroneous had occurred. I received a letter in writing stating \" The service provider, XXXX XXXX Sent Money, is solely responsible for the transfer of the funds. We recommend working directly with the merchant to come to an equitable resolution. '' This is a false claim and fraudulent misrepresentation for several reasons, which I will outline shortly. After looking into this matter, it is clear from numerous national reports that I am not the first American to be victimized in such a way, and that banking institutions are aware of similar cases ; Citizens Bank could have compared my story with thousands of others to ascertain its validity. Moreover, the letter regarding said investigation is brief and almost seems automated, as if no one looked into this urgent and distressing matter at all. A thorough investigation would have brought up that : consumers who do not suspect fraud would not inconvenience themselves by changing their ATM card, consumers who do not suspect fraud would not have reported the concern on the same day that a transaction occurred, there is no record of me ever having made a payment to this specific recipient and thus this payment is uncharacteristic of my transaction history, and there is no record of me having ever made an XXXX XXXX payment of this precise amount ( {$1000.00} ) thus this payment is even more uncharacteristic of my transaction history. In fact, XXXX XXXX is a payment method I never use in general, with **no previous** record of my ever having used it. Moreover, the merchant name changing over the course of Citizens Bank 's investigation is highly suspicious and prevented me from having communicated with XXXX XXXX directly to even attempt to resolve the matter through them, as Citizens Bank suggested much too late, 12 days after the fraudulent transaction. First it was listed in my bank statement as \" XXXX XXXX  XXXX, '' and then suddenly the merchant name changed to \" XXXX XXXX. '' I should also note that other banks are double and triple confirming, via two factor authentication and other methods, that their customers are the ones authorizing a transaction. Their mobile apps can tell when a consumer is on the phone while a transaction is being made, and often prevent transactions from going through if they suspect a customer is simultaneously on the phone with a fraudster. Moreover, a transaction does take some time to clear, and Citizens Bank had ample notice, given that my transaction was on a \" Hold '' for over 24 hours, and absolutely did not have to be authorized after I gave my explicit request for it not to be. After receiving this notice ( XX/XX/XXXX, Claim Number XXXX ) that clearly indicates a complete lack of concern that I *** can not pay any of my bills**** without this money as a recently widowed woman who lives with a single income in the most expensive city in the nation, I immediately called both XXXX XXXX as per CB 's suggestion and followed up with my local branch. XXXX XXXX, on two separate phone calls, confirmed to me what Citizens Bank probably already knows : that they do not deem themselves liable for any fraudulent transactions because as per their T & C, they consider security to be the consumer 's sole responsibility and treat \" XXXX XXXX '' like regular cash. I know that Citizens Bank is fully aware of XXXXXXXX XXXX policies regarding fraudulent transactions utilizing their platforms because Citizens Bank offers their mobile app through the XXXX XXXX, meaning that they have to abide by all XXXX terms themselves in order to do business with XXXX. They deliberately did not suggest that I communicate with XXXXXXXX XXXX on the date that I reported my concerns, and instead waited until XX/XX/XXXX to mail me a notice suggesting I communicate with XXXXXXXX XXXX. At that point, the transaction had gone through, and I was ineligible for filing a dispute with XXXX XXXX. Moreover, they are fully aware that consumers can not recover funds via XXXX XXXX, which XXXX confirmed for me when I called their support line. It seems that this was Citizens Bank 's way of giving me a false sense of security by having me waste time trying to communicate with XXXX when they are fully aware that this is a fruitless endeavor. The XXXX representative I spoke to also told me something interesting : that once a dispute is filed with an individual 's banking institution, XXXX is legally barred from filing a duplicate dispute, as per their policies. This is the third reason that Citizens Bank was lying when they recommended working directly with XXXX : they made that suggestion on XX/XX/XXXX, after I had filed a dispute with Citizens Bank and they are aware that XXXX XXXX does not pause or reverse transactions if a dispute has already been filed with one 's banking institution. I also followed up with my local branch ( XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) by calling this location and speaking with bankers familiar with me. The representative I spoke to there seemed immediately aware that the story I was narrating to her indicated a hacked account. How is it possible that two different representatives of the same exact bank are coming to these wildly different conclusions? And how was she able to so quickly ascertain that this transaction was deeply uncharacteristic of my transaction history? Given that I have no other records of any XXXX XXXX payments ever sent. That's a rhetorical question, and the answer to it is that Citizens Bank clearly has had other consumers experience my predicament, and are trying to evade compensating us by claiming that the fraudulent charges are legitimate. I was given case number XXXX for this second investigation into my claim. I am pretty upset that the local branch apparently had the capacity to open an investigation this entire time but CHOSE to direct me to their national branch on XX/XX/XXXX, when I first called. There is an overall dysfunction with this banking institution that has left me in a bureaucratic nightmare of being passed along from person to person to person, department to department, company to company. From filing a police report to opening up two separate investigations to calling XXXX. From XXXX telling me to contact my bank to my bank telling me to contact XXXX, I am exhausted from the sheer volume of calls I have needed to place. As I stated, English is not my native language an this process is extra difficult when one accounts for that communication barrier. It has officially been 27 days without my money and counting, while my bills accrue and interest piles up. This is not only different from how other banks handle these types of complaints, but also a shameful and disgusting way to treat senior citizens. I am not sure they can even claim that I behaved negligently, as I have somehow survived all 72 years of my life not having been the victim of fraud or identity theft, and Citizens Bank is ignoring the fact that just by picking up the phone that day, I unwillingly confirmed some information for the caller, who appeared to already have a lot of personal data on me and was just waiting to confirm whether the telephone number they had on file was an active line. Even without willingly giving personal information, the very fact that I picked up the phone to this scammer signaled to them that this line they were trying was active, and that it was linked to my name. One a scammer has your phone number and name, they have enough data to proceed with attempting to uncover other details about you given the lack of privacy regulations in the United States as well as the constant \" leaks '' of classified data and \" hacks '' of major networks that expose consumer data. Citizens Bank is perfectly aware of how many recent data breaches have exposed consumer data. I am concerned that Citizens Bank is habitually violating the EFTA, and I am also concerned that Citizens Bank is engaging in false and misleading marketing by advertising their XXXX hotline for reporting fraud, leading one to believe that there is a department designed to investigate and mitigate or prevent fraud, when in fact their consumers are left to fend for themselves. It would be interesting to uncover what percentage of consumers actually have their claims looked at and what percentage have their funds restored to their accounts out of the total number of reports that this bank receives. If all cases are just getting this generic letter I received, then we know that this hotline is just for show and leads to no meaningful outcome apart from possibly delaying a consumer from contacting other authorities like the CFPB and FDIC so that Citizens Bank can yet again evade responsibility. And one more thing that makes Citizens Bank different from other financial institutions : Citizens Bank habitually calls their customers whenever funds on their accounts are low/their account is overdrawn. Other banks are currently sending out emails about how they \" never call '' their customers, as a way of warning them that any calls can potentially be scams. Because I received so many ( legitimate ) calls from Citizens Bank over the years, receiving this fraudulent call from XXXX XXXX ( allegedly ) actually never raised any eyebrows for me, because unlike customers at other banks, I don't remember ever getting a notice that banks don't call customers to report suspicious activity on their account. I was completely in the dark about this scam and am now in a serious financial predicament as a XXXX  citizen with just my XXXX XXXX XXXX XXXX as my income.","date_sent_to_company":"2025-01-18T05:18:39.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"11103","tags":null,"has_narrative":true,"complaint_id":"11648663","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIZENS FINANCIAL GROUP, INC.","date_received":"2025-01-18T03:21:17.000Z","state":"NY","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I am not sure they can even claim that I behaved negligently, as I have somehow survived all 72 years of my life not having been the victim of <em>fraud</em> or <em>identity</em> <em>theft</em>, and Citizens Bank is ignoring the fact that just by picking up the phone that day, I unwillingly confirmed some information for the caller, who appeared to already have a lot of personal data on me and was just waiting to <em>confirm</em> whether the telephone number they had on <em>file</em> was an active line."]},"sort":[8.999277,"11648663"]},{"_index":"complaint-public-v1","_id":"14284555","_score":8.685457,"_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":["In XX/XX/XXXX, after discovering my <em>identity</em> had been stolen, I contacted all three credit <em>reporting</em> agencies, the original creditors, and the collection agencies. I also placed a freeze on my credit accounts and <em>filed</em> a police <em>report</em>. \n\nWith nearly 30 years of experience as a private investigator, primarily tracking <em>fraud</em>, I recognize the type of <em>theft</em> committed against me as synthetic <em>identity</em> <em>theft</em> or synthetic <em>fraud</em>."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[8.685457,"14284555"]},{"_index":"complaint-public-v1","_id":"14284554","_score":8.685457,"_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":["In XX/XX/XXXX, after discovering my <em>identity</em> had been stolen, I contacted all three credit <em>reporting</em> agencies, the original creditors, and the collection agencies. I also placed a freeze on my credit accounts and <em>filed</em> a police <em>report</em>. \n\nWith nearly 30 years of experience as a private investigator, primarily tracking <em>fraud</em>, I recognize the type of <em>theft</em> committed against me as synthetic <em>identity</em> <em>theft</em> or synthetic <em>fraud</em>."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[8.685457,"14284554"]},{"_index":"complaint-public-v1","_id":"10996440","_score":7.746051,"_source":{"product":"Debt collection","complaint_what_happened":"First, I Do Not Consent to be Surety of any alleged debt. I Do Not Consent to be Guarantor of any alleged debt. Included within this CFPB complaint/claim is my Notice to Cancel this agreement and a Notice of Rescission to rescind my signature from the agreement. Also, First Citizen Bank\n\nis not in compliance with IRS Code 26 U.S.C. 6050P Returns relating to the cancellation of indebtedness by certain entities as I have yet to receive any 1099-Cs, etc. from them. Several times I have mailed First Citizens Bank Employees Notices of which they have never properly responded to. Starting XX/XX/year>, I have mailed First Citizens Bank Billing Error Disputes and Affidavits ( delivered XX/XX/year> ) along with Debt Validation and Debt Verification Request ( s ) ( delivered XX/XX/year> ), a Notice of Fault and Opportunity to Cure along with a Notice to Opt Out of all Credit Reporting or Credit Furnishing through all Major Credit Reporting Agencies ( delivered XX/XX/year> ), and the Notice of Default and Final Statement ( delivered XX/XX/year>, at XXXXXXXX XXXX ) however First Citizens bank employees never properly responded to any of my Notices therefore the Notices were never answered.\n\nFirst Citizens employees have a duty to respond to my Notices however they did not Perform ( non-performance ). I mailed them a Cease-and-Desist Notice to stop their debt collectors from contacting me by phone however, instead their employees just kept harassing me with phone calls all throughout the day and night while mailing me letters containing only partial statements. A half of a Statement is not a proper Statement nor is it a legal bill without a signature. They\nnever sent me both the Accounts Receivable and the Accounts Payable of said statement. Instead, they used non-compliant and deceptive tactics to mislead me to make a payment of which I did not owe.\n\nAs a Fiduciary, First Citizens employees never credited my account. I was never given Valuable Consideration this entire agreement and\nFirst Citizens Bank has been in default of the agreement since its inception and have defaulted on my Administrative Process since XXXX XXXX XXXX, yet they continue to report false information to my credit report/consumer report. First Citizens bank is reporting these negative items against my wishes and without my written permission nor consent which is a form of identity theft ( a crime ). First Citizens bank employees are also violating several criminal and civil laws and/or statutes of the Federal Consumer Credit Protection Act ( includes the Federal Truth in Lending Act ) or Consumer Credit Protection Act ( Public Law 90-321 : 82 Stat. 146 ) of the Statutes At Large.\n\nIt is evident the bank has committed several violations and are not in compliance with what makes a contact valid, rendering this alleged contract or agreement unenforceable. Such as : 1. Lack of Mutual Assent and Consideration : The contract lacks mutual consent and valid or lawful consideration, violating the Uniform Commercial Code ( UCC ) 3-104 and 3-303 regarding negotiable instruments and consideration.\n\n2. Absence of Issuers Signature : The Issuers failure to sign the agreement signifies a lack of Acceptance and agreement to the terms, thus failing to create a legally binding bilateral contract as required by UCC 3-401.\n\n3. Unconscionability : The terms of the agreement are unconscionable, imposing undue burdens solely upon the XXXX XXXX but heavily favoring the bank without corresponding duties or risks assumed by the Bank, in violation of the principles of fairness under UCC 2-302.\n\n4. Misrepresentation and Fraud : The Banks representation of the instrument as a valid loan agreement, while failing to sign and thereby not committing to any obligation, constitutes a misrepresentation and potentially fraudulent inducement, violating Federal Trade Commission ( FTC ) regulations under 16 CFR Part 433 and federal fraud statutes ( 18 U.S.C. 1341 and 1343 ).\n\n5. Non-performance : The Issuer defaulted on its obligations by failing to properly respond and answer consumers questions and complaints regarding the transaction.\n\nAnd other violations of law such as : 82 Stat. 152 CHAPTER 2 CREDIT TRANSACTIONS 121. General requirement of disclosure, 125. Right of rescission as to certain transactions, 127. Open end consumer credit plans, 130. Civil liability TITLE II EXTORTIONATE CREDIT TRANSACTIONS 892. Making extortionate extensions of credit, 894. Collection of extensions of credit by extortionate means, SECTION 37-5-108.Unconscionability ; inducement by unconscionable conduct.\n\nPart 2 - Debtors ' Remedies SECTION 37-5-202.Effect of violations on rights of parties., SECTION 37-5-203.Civil liability for violation of disclosure provisions., SECTION 37-5-205.Refunds and penalties as setoff to obligation.\n\nPart 3 - Criminal Penalties SECTION 37-5-301.Wilfull violations., SECTION 37-5-302.Disclosure violations., SECTION 37-5-303.Fraudulent use of cards.\n\nOther non-compliance along with civil and criminal violations include : CHAPTER 2 CREDIT TRANSACTIONS 125. Right of rescission as to certain transactions ( 82 Stat. 153 ; 88 Stat. 1517, 1519 ; 15 U.S.C. 1635 )., 126. Content of periodic statements ( 82 Stat. 153 ; 15 U.S.C. 1636 )., 127. Open end consumer credit plans ( 82 Stat. 153 ; 88 Stat. 1511, 1519, 1521, 15 U.S.C. 1637 )., 130. Civil liability ( 82 Stat. 157 ; 88 Stat. 1518 ; 90 Stat. 197 ; 15 U.S.C. 1640 ).\n\nCHAPTER 4 CREDIT BILLING 161. Correction of billing errors ( 88 Stat. 1512 ; 15 U.S.C. 1666 )., 162 Regulation of credit reports ( 88. Stat. 1513 ; 15 U.S.C. 1666a ).\n\nNotice and Demand Considering the many violations, lack of mutuality, valid consideration, and the violations ( both listed and not listed ) imposed by the Bank, I, XXXX XXXX hereby demand the following remedies and do not waive any right to remedies unrealized : A. Declare the credit card contract null and void due to non-compliance with UCC 3-104, 3-303, 3-401, and 2-302, as well as violations of Federal Trade Commission regulations, the Truth in Lending Act and other federal fraud statutes, under the Statutes At Large.\n\nB. Relief me from any obligation purportedly arising from the instrument ; Issuance of a balance of XXXX on the account, considering the value was created by my hand and signature on the application and promissory note, which generated the funds.\n\nC. For the bank to return any payments made by XXXX XXXX under the purported credit card agreement since the accounts inception.\n\nD. Removal of Negative and Derogatory information from all Consumer Reports/ Credit Reports : Immediate removal of negative items and derogatory/ defamatory information from all consumer reports or credit reports and a letter confirming you have done so.\n\nE. Impose a penalty of {$100000.00} from the Issuer for violating my private Rights, triple damages, pain and suffering and costs for my time and money used to rectify these issues Caveat / Warning If XXXX XXXX is unable to get any cooperation from First Citizens Bank and its employees in regards to these violations of law then I will put my States Attorney General on Notice because I will be launching a formal investigation with the ( CFPB ) Consumer Financial Protection Bureau, the IRS Criminal Investigations Division, the FDIC Federal Deposit Insurance Commission, the Security and Exchange Commission and filing a Claim against First Citizens Banks companys Bond and Insurers for the Misappropriation of Funds along with tax evasion, non-compliance and fraudulent and deceptive practices.","date_sent_to_company":"2024-12-04T13:37:55.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"29681","tags":null,"has_narrative":true,"complaint_id":"10996440","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST CITIZENS BANCSHARES, INC.","date_received":"2024-12-02T17:10:35.000Z","state":"SC","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["I was never given Valuable Consideration this entire agreement and\nFirst Citizens Bank has been in default of the agreement since its inception and have defaulted on my Administrative Process since XXXX XXXX XXXX, yet they continue to <em>report</em> false information to my credit <em>report</em>/consumer <em>report</em>. First Citizens bank is <em>reporting</em> these negative items against my wishes and without my written permission nor consent which is a form of <em>identity</em> <em>theft</em> ( a crime )."]},"sort":[7.746051,"10996440"]},{"_index":"complaint-public-v1","_id":"22355283","_score":7.5075483,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"My letter to XXXX escalating my XXXX XXXX in the total of {$29000.00} equivalent of XXXX at the time of virtual robbery on XXXX XXXX XXXX. All fraudulent communications were received from XXXX domains and emails that passed all XXXX verification. The following letter to XXXX maps out the sophisticated fraudulent scam in chronological order and includes evidence of direct communication, all sent from the XXXX domain. The evidence and forensic fingerprinting below conclude one of two circumstances, both proving negligence on XXXX 's part : A. Either the phishing emails originated from a compromised Kraken support mailbox/relay ( genuine XXXX signing, but outside the XXXX XXXX XXXX XXXX ; or B. Attackers used insider-leaked PII to craft a credible vishing/phishing sequence from the inside. \n\nKraken has failed to respond adequately. Only receiving boilerplate responses denying any responsibility for the following sequence : To Kraken Legal, Compliance, and Executive Security Leadership, I am writing to formally escalate Ticket # XXXX beyond the tier-one support team that issued your XXXX XXXX XXXX response and to place Kraken on explicit pre-litigation notice. The boilerplate reply I received directing me to file a police report and citing the irreversibility of cryptocurrency transactions reflects a fundamental failure to review the specific facts of this case. Those facts distinguish this incident categorically from a standard third-party phishing scam and implicate Kraken 's own authenticated infrastructure in the loss of {$29000.00} in XXXX. I require a response from Kraken 's Legal, Compliance, or Executive Security leadership within five ( 5 ) business days. \n\nSince my initial review of this incident, I have conducted additional forensic examination of the email evidence using XXXXXXXX XXXX native web interface, and I have identified a critical authentication anomaly that I believe Kraken 's own security team will recognize as significant. That finding is detailed in Section IV below and materially strengthens the case that Kraken 's own sending infrastructure or that of an authorized third-party vendor was the instrument of this fraud. \n\nI. THE FACTS THAT MAKE THIS CASE UNIQUE On the evening of Sunday, XXXX XXXX XXXX, I received a coordinated series of communications that I will detail below. Every Kraken-branded communication in this sequence originated from XXXX domain, aligning with Kraken 's own official support page ( XXXX, Is this email from Kraken? ) as legitimate, secure senders XXXX, the first on the Secure Email list. I have verified this not merely by visual inspection of display names, but by examining the full email headers of every message received. The XXXX, XXXX, and XXXX authentication records on each email passed verification. These were not display-name spoofs. These were not lookalike domains. These emails were cryptographically authenticated as originating from infrastructure that Kraken 's own DNS records authorize. \n\nThe sequence of authenticated communications was as follows : At XXXXXXXX XXXX, I received an email XXXX the subject line \" Secure Portal, '' containing a professionally designed Kraken-branded template identifying employee XXXX XXXX XXXX Case ID XXXX, and instructing me that I was \" on a secure line with a Kraken representative '' and that my assets were \" at-risk. '' At XXXXXXXX XXXX and XXXX XXXX additional \" Employee Verification '' emails arrived XXXX, identifying employees XXXX XXXX ( Case ID XXXX ) and XXXX XXXX ( Case ID XXXX ), each bearing Kraken 's official logo XXXX the address \" XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX '' and links to Kraken 's Legal Disclosures and Privacy Notice. \n\nAt XXXXXXXX XXXX an email arrived XXXX a domain listed explicitly on Kraken 's official support page as a secure, verified sender with the subject \" Action Required : Confirm Your Secret Recovery Phrase. '' This email was formatted in Kraken 's branded template, carried the Kraken Security Team signature, and presented a 12-word Secret Recovery Phrase. I was instructed to use this phrase to set up a Kraken Wallet for account security escalation purposes. Critically, Kraken 's own footer on this email stated : \" Kraken will never ask for your password or XXXX codes via email '' language designed to convey authenticity while the email itself was directing me toward a wallet setup that would prove to be the instrument of the theft. \n\nAt XXXX XXXX I received an automated confirmation XXXX the same authenticated sender with the subject \" You added a withdrawal address to Kraken, '' confirming that the \" [ Customer ] Kraken Wallet '' had been added as a withdrawal destination from my Kraken Exchange account. The email displayed my Connecticut IP address ( XXXX ) and location, consistent with my own device activity. \n\nAt XXXX XXXX, a second authenticated email XXXX \" XXXX withdrawal initiated, '' again displaying my Connecticut IP address and confirming that funds had been sent to \" [ Customer ] Kraken Wallet. '' II. THE TRANSFER OCCURRED BETWEEN TWO LEGITIMATE KRAKEN PRODUCTS This is not a case in which I sent funds to an unknown third-party address or an external wallet of unclear provenance. I transferred XXXX from my Kraken Exchange account to a Kraken Wallet the self-custody wallet application bearing Kraken 's branding, distributed through official app stores, and built and maintained by Kraken. The Kraken Wallet application itself displays a confirmed incoming transaction record showing the receipt of {$29000.00} in XXXX from my Kraken Exchange account. The balance subsequently went to zero, indicating that the funds were swept by whoever held the seed phrase for that wallet a seed phrase that was delivered to me via an XXXX address. \n\nThe entire fraudulent pathway from the initial contact, to the employee verification, to the recovery phrase delivery, to the withdrawal address addition, to the transfer confirmation ran through Kraken 's own listed authenticated email domains and Kraken 's own wallet product. There is a documented, on-chain transaction record showing XXXX moving from one Kraken product to another. This is not a case where a bad actor impersonated Kraken from the outside. This is a case where Kraken 's own authenticated sending infrastructure was the instrument of fraud. \n\nIII. THE XXXX INFRASTRUCTURE ATTACK THAT PRECEDED THE KRAKEN CONTACT The attack began with a coordinated compromise of my XXXX account. At XXXX XXXX on XX/XX/XXXX, I received authentic XXXX security alerts XXXX XXXX notifying me that a recovery email had been set up for a linked XXXX account XXXX XXXX ) using my address as the recovery destination. My XXXX Activity logs confirm that two unfamiliar devices accessed my XXXX account on XX/XX/XXXX at XXXX XXXX and XXXX XXXX prior to the Kraken contact sequence. My XXXX was subsequently locked by XXXXXXXX XXXX  security systems due to suspicious activity. This XXXX compromise was not incidental. It was the entry point that provided the attackers with the intelligence my Kraken account existence, my email address, my identity necessary to execute the second stage of the attack with the credibility and precision that followed. \n\nIV. CRITICAL FORENSIC FINDING : XXXX VERIFICATION FAILURE ON THE FRAUDULENT EMAILS Upon examination of these emails using XXXX 's native web interface the email environment that Kraken 's own support documentation references when instructing customers to verify the legitimacy of Kraken communications I have identified a critical authentication anomaly that materially distinguishes the fraudulent emails from Kraken 's legitimate transactional emails. \n\nKraken 's own published guidance instructs customers to identify legitimate Kraken emails by looking for the XXXXverified blue checkmark beside the sender name in XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the highest tier of email sender verification available, requiring XXXX enforcement at quarantine or reject policy plus a Verified XXXX XXXX that Kraken has registered with email providers including XXXX. XXXX can not be spoofed or replicated by a third-party attacker ; the checkmark only appears when an email is sent through Kraken 's specifically registered, BIMI-authorized sending infrastructure.\n\nMy examination of the emails received during this incident reveals the following pattern, which I believe Kraken 's security team will recognize as forensically significant : The legitimate transactional emails XXXX specifically the \" Withdrawal address added '' notification at XXXX XXXX  and the \" XXXX withdrawal initiated '' notification at XXXXXXXX XXXX  display the XXXXverified Kraken checkmark XXXX XXXX. These emails were generated by my own ( compromised ) Kraken Exchange account taking real actions, and they were sent through Kraken 's XXXXverified sending infrastructure. Their authenticity is consistent with Kraken 's published guidance. \n\nThe fraudulent emails XXXX including the \" Secure Portal '' email at XXXX XXXX and the \" Employee Verification '' emails at XXXX XXXX XXXX XXXX and XXXX XXXX do not display the XXXX checkmark in XXXX. They passed XXXX, XXXX, and XXXX authentication, but they did not pass XXXX XXXX. \n\nThe fraudulent recovery phrase email XXXX XXXX XXXX the email that delivered the 12-word Secret Recovery Phrase used to compromise the destination wallet does not display the BIMI-verified checkmark XXXX despite originating from the exactly same domain as the legitimate transactional emails that do. \n\nThis discrepancy is not consistent with ordinary external phishing. An external attacker spoofing Kraken 's domain would either fail XXXX outright, or if exceptionally sophisticated pass them all uniformly. They would not produce emails that selectively pass XXXX but fail XXXX within the same domain. That selective failure pattern is consistent with one of two scenarios, both of which implicate Kraken 's own infrastructure or its authorized vendor relationships : First, that the fraudulent emails were sent through a third-party email service provider that Kraken has authorized in its XXXX records for XXXX purposes, but whose sending infrastructure is not covered by Kraken 's XXXX Verified Mark Certificate registration. If that vendor 's systems were compromised, the attacker would be able to send emails passing XXXX under Kraken 's domains but unable to trigger XXXX verification exactly the pattern observed. \n\nSecond, that the fraudulent emails were sent through Kraken-internal tooling that is authorized to send under Kraken 's domains but is not routed through Kraken 's XXXXcovered production sending infrastructure for example, an internal support tool, a helpdesk integration, or an administrative sending channel accessible to insider personnel. \n\nI note for the record that Kraken publicly disclosed in XXXX XXXX two separate insider incidents in which support employees were recruited by criminal networks to access customer data. The timing and methodology of those disclosures are directly relevant and to the second scenario described above. \n\nI am not, at this time, asserting which of these two scenarios produced the fraudulent emails. I am asserting that the XXXX verification failure conclusively rules out the explanation of \" ordinary third-party phishing '' and forensically narrows the source of these emails to infrastructure that Kraken either controls or has authorized. Kraken is the only party in possession of the records necessary to determine which. \n\nV. THE MATERIAL IMPLICATIONS OF KRAKEN 'S OWN PUBLISHED GUIDANCE Kraken 's support documentation specifically directs customers to use the XXXX checkmark as the verification standard for legitimate Kraken emails. I followed this guidance only after the loss occurred, and the XXXX failure pattern was decisive in confirming that I had been defrauded through compromised authorized infrastructure rather than ordinary phishing. However, Kraken 's published guidance does not adequately disclose to customers that emails can pass XXXX, XXXX, and XXXX and therefore appear authenticated in most email clients including the Spark client I was using at the time of the incident while still failing XXXX XXXX. The fraudulent emails I received were rendered as authenticated and trustworthy in my email client. The XXXX checkmark is only visible in specific email environments, and its absence is not flagged as a warning to the user. \n\nThis legal implication is significant. Kraken instructed customers to rely on a verification standard ( BIMI ) without adequately warning that emails sent from Kraken 's own listed sender domains could appear fully authenticated to users while still failing that standard. That gap in disclosure, combined with the fact that the fraudulent emails originated from infrastructure Kraken authorized, is the foundation of a material consumer-protection claim under the Connecticut Unfair Trade Practices Act.\n\nVI. LEGAL NOTICE I have filed a complaint with the FBI Internet Crime Complaint Center ( IC3 Submission ID : XXXX, filed XXXX XXXX XXXX ). I have reported this incident to local Connecticut law enforcement. I am actively seeking legal counsel and am evaluating claims under the Connecticut Unfair Trade Practices Act ( CUTPA ), Conn. Gen. Stat . 42-110a et seq., including potential per se violations tied to Connecticut 's data breach statute, 36a-701b ( j ). I am also evaluating claims for negligence, breach of contract, negligence per se based on Kraken 's obligations under its money transmitter license obligations and applicable cybersecurity standards, and breach of express and implied warranties of security tied to Kraken 's published guidance regarding email authentication. I will be filing complaints with the Connecticut Department of Banking, the Connecticut Attorney General 's Consumer Protection Unit, and FinCEN. \n\nI am not prepared to accept Kraken 's characterization of this incident as a standard third-party phishing loss. The authenticated email trail, the on-chain transaction record between two Kraken products XXXX the XXXX verification failure isolating the fraudulent emails to Kraken-authorized but XXXX-unverified infrastructure, and the circumstances of Kraken 's own recent insider security disclosures collectively raise serious questions about the integrity of Kraken 's sending infrastructure that deserve a thorough, good-faith internal investigation not a boilerplate response. \n\nI am requesting the following from Kraken within five ( 5 ) business days : First, written acknowledgment that this escalation has been received by Krakens Legal, Compliance, and/or Executive Security team not tier-one support. \n\nSecond, identification of the specific sending infrastructure, including any third-party email service provider, used to transmit XXXX I received on XXXX XXXX XXXX If those emails were transmitted through Kraken 's own production mail servers, please confirm. If they were transmitted through a third-party vendor, please identify the vendor and confirm whether that vendor 's XXXX Verified Mark Certificate registration is current. \n\nThird, identification of the specific sending infrastructure used to transmit XXXX '' Confirm Your Secret Recovery Phrase '' email I received at XXXX XXXX  on XXXX XXXX XXXX, and an explanation of why this email failed XXXX XXXX while the legitimate XXXX received later that evening passed XXXX XXXX. \n\nFourth, confirmation of whether any anomalous activity, unauthorized access, or vendor compromise was detected in any of Kraken 's authorized sending infrastructure internal or third-party on or around XXXX XXXX XXXX \n\nFifth, confirmation of whether any internal investigation has been opened in connection with this ticket, and whether the facts described in this letter have been escalated to Kraken 's security incident response team. \n\nSixth, Kraken 's position on remediation or restitution, given the totality of the facts described above. \n\nI wish to resolve this matter directly with Kraken before further legal proceedings are initiated. I am not approaching this with hostility I am approaching this as a customer who intentionally selected Kraken as my XXXX XXXX of choice due to its reputation as the most secure US-Based Exchange, yet find myself defrauded through what the forensic evidence indicates was a failure of Krakens own authenticated sending infrastructure or its authorized vendor relationships. \n\nI have preserved all relevant evidence, including full email headers, screenshots from XXXX 's native interface, the IC3 complaint confirmation, Kraken Wallet transaction records, and XXXX account activity logs documenting the unauthorized device access that preceded the Kraken contact sequence. I am prepared to share this evidence with Kraken 's Legal, Compliance, or Executive Security team upon receipt of confirmation that this matter has been appropriately escalated. \n\n- Sincerely, [ Customer Name and Address Removed as per the CFBP submission guidelines ]","date_sent_to_company":"2026-05-19T18:43:19.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"06095","tags":null,"has_narrative":true,"complaint_id":"22355283","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Payward Ventures Inc. dba Kraken","date_received":"2026-05-19T18:08:47.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["LEGAL NOTICE I have <em>filed</em> a complaint with the FBI Internet Crime Complaint Center ( IC3 Submission ID : XXXX, <em>filed</em> XXXX XXXX XXXX ). I have <em>reported</em> this incident to local Connecticut law enforcement. I am actively seeking legal counsel and am evaluating claims under the Connecticut Unfair Trade Practices Act ( CUTPA ), Conn. Gen. Stat . 42-110a et seq., including potential per se violations tied to Connecticut 's data breach statute, 36a-701b ( j )."],"product":["<em>Money</em> transfer, virtual currency, or <em>money</em> service"],"issue":["<em>Fraud</em> or scam"]},"sort":[7.5075483,"22355283"]},{"_index":"complaint-public-v1","_id":"10990504","_score":7.326237,"_source":{"product":"Debt collection","complaint_what_happened":"First, I Do Not Consent to be Surety of any alleged debt. I Do Not Consent to be Guarantor of any alleged debt. Included within this CFPB complaint/claim is my Notice to Cancel this agreement and a Notice of Rescission to rescind my signature from the agreement and to void the agreement. Also, U.S. Bank is not in compliance with IRS Code 26 U.S.C. 6050P Returns relating to the cancellation of indebtedness by certain entities as I have yet to receive any 1099-Cs, etc. from them.\n\nSeveral times I have mailed U.S. Bank Employees Notices of which they have never properly responded to. Starting XX/XX/2024, I have mailed U.S. Bank Billing Error Disputes, Notices and Affidavit ( s ) with a conditional Cease-and-Desist Letter ( delivered XX/XX/2024 ), Debt Validation and Debt Verification Request letters ( delivered XXXX XXXX XXXX  ), a Notice of Fault and Opportunity to Cure including a second Billing Error Notice ( delivered XX/XX/2024 ) and lastly a Notice of Default and Final Statement ( delivered XX/XX/2024, at XXXX XXXX ) however U.S. bank employees never properly responded to any of my Notices therefore the Notices were never answered. \n\nU.S. Bank employees have or had a duty to respond to my Notices however they did not - therefore they did not Perform ( Non-performance ). I mailed them a Cease-and-Desist Notice to stop their debt collectors from contacting me by phone, instead their employees just kept harassing me with phone calls all throughout the day and night while mailing me letters containing only partial statements. A half of a Statement is not a proper Statement without both accounts payable and accounts receivable- nor is it a legal bill without a signature. They never sent me both the Accounts Receivable and the Accounts Payable of said statement. Instead, they used non-compliant and deceptive tactics to mislead me to make a payment, of which I did not owe. As Fiduciaries, they never credited my account according to the law. I was never given any Valuable Consideration this entire agreement and U.S. Bank has been in default and breached the agreement since its inception and they are in default as to my Administration process since XXXX of XXXX, yet they continue to report false information to my credit report/consumer report. U.S. bank is reporting negative items against my wishes and without my written permission nor consent which is a form of identity theft ( a crime ). U.S. Bank employees are also violating several criminal and civil laws and/or statutes of the Federal Consumer Credit Protection Act ( includes the Federal Truth in Lending Act ) or Consumer Credit Protection Act ( Public Law 90-321 : 82 Stat. 146 ) of the Statutes At Large.\n\nIt is evident the bank has committed several violations and are not in compliance with the elements that make a contact valid, rendering this alleged contract or agreement unenforceable, null and void and cancelled. The contract or agreement is invalid for the following reasons : 1. Lack of Mutual Assent and Consideration : The contract lacks mutual consent and valid or lawful consideration, violating the Uniform Commercial Code ( UCC ) 3-104 and 3-303 regarding negotiable instruments and consideration.\n\n2. Absence of Issuers Signature : The banks failure to sign the agreement signifies a lack of Acceptance and agreement to the terms, thus failing to create a legally binding bilateral contract as required by UCC 3-401.\n\n3. Unconscionability : The terms of the agreement are unconscionable, imposing undue burdens solely upon the XXXX XXXX but heavily favoring the bank without corresponding duties or risks assumed by the Bank, in violation of the principles of fairness under UCC 2-302.\n\n4. Misrepresentation and Fraud : The Banks representation of the instrument as a valid loan agreement, while failing to sign and thereby not committing to any obligation, constitutes a misrepresentation and potentially fraudulent inducement, violating Federal Trade Commission ( FTC ) regulations under 16 CFR Part 433 and federal fraud statutes ( 18 U.S.C. 1341 and 1343 ).\n\n5. Non-performance : The bank defaulted on its obligations by failing to properly respond and answer consumers questions and complaints regarding the transaction. Also, by accepting a security yet failing to credit my account to cover the obligations of said security. \nAnd other violations of law such as : 82 Stat. 152 CHAPTER 2 CREDIT TRANSACTIONS 121. General requirement of disclosure, 125. Right of rescission as to certain transactions, 127. Open end consumer credit plans, 130. Civil liability TITLE II EXTORTIONATE CREDIT TRANSACTIONS 892. Making extortionate extensions of credit, 894. Collection of extensions of credit by XXXX  means, SECTION 37-5-108.Unconscionability ; inducement by unconscionable conduct.\n\nPart 2 - Debtors ' Remedies SECTION 37-5-202.Effect of violations on rights of parties., SECTION 37-5-203.Civil liability for violation of disclosure provisions., SECTION 37-5-205.Refunds and penalties as setoff to obligation.\n\nPart 3 - Criminal Penalties SECTION 37-5-301.Wilfull violations., SECTION 37-5-302.Disclosure violations., SECTION 37-5-303.Fraudulent use of cards.\n\nOther non-compliance along with civil and criminal violations include : CHAPTER 2 CREDIT TRANSACTIONS 125. Right of rescission as to certain transactions ( 82 Stat. 153 ; 88 Stat. 1517, 1519 ; 15 U.S.C. 1635 )., 126. Content of periodic statements ( 82 Stat. 153 ; 15 U.S.C. 1636 )., 127. Open end consumer credit plans ( 82 Stat. 1\n53 ; 88 Stat. 1511, 1519, 1521, 15 U.S.C. 1637 )., 130. Civil liability ( 82 Stat. 157 ; 88 Stat. 1518 ; 90 Stat. 197 ; 15 U.S.C. 1640 ).\n\nCHAPTER 4 CREDIT BILLING 161. Correction of billing errors ( 88 Stat. 1512 ; 15 U.S.C. 1666 )., 162 Regulation of credit reports ( 88. Stat. 1513 ; 15 U.S.C. 1666a ).\n\nNotice and Demand Considering the many violations, lack of mutuality, valid consideration, and the violations ( both listed and not listed ) imposed by the Bank, I, XXXX XXXX hereby demand the following remedies and do not waive any right to remedies unrealized : A. Declare the credit card contract null and void due to non-compliance with UCC 3-104, 3-303, 3-401, and 2-302, as well as violations of Federal Trade Commission regulations, the Truth in Lending Act and other federal fraud statutes, under the Statutes At Large.\n\nB. Relief me from any obligation purportedly arising from the instrument ; Issuance of a balance of zero on the account, considering the value was created by my hand and signature on the application and promissory note, which generated the funds. \nC. For the bank to return any payments made by XXXX XXXX under the purported credit card agreement since the accounts inception.\n\nD. Removal of Negative and Derogatory information from all Consumer Reports/ Credit Reports : Immediate removal of negative items and derogatory/ defamatory information from all consumer reports or credit reports and a letter confirming you have done so.\n\nE. Impose a penalty of {$100000.00} from the Issuer for violating my private Rights, triple damages, pain and suffering and costs for my time and money used to rectify these issues Caveat / Warning If XXXX XXXX is unable to get any cooperation from First Citizens Bank and its employees in regards to these violations of law then I will put my States Attorney General on Notice because I will be launching a formal investigation with the ( CFPB ) Consumer Financial Protection Bureau, the IRS Criminal Investigations Division, the FDIC Federal Deposit Insurance Commission, the Security and Exchange Commission and filing a Claim against First Citizens Banks companys Bond and Insurers for the Misappropriation of Funds along with tax evasion, non-compliance and fraudulent and deceptive practices.","date_sent_to_company":"2024-12-03T00:44:32.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"29681","tags":null,"has_narrative":true,"complaint_id":"10990504","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2024-12-03T00:11:30.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["Bank has been in default and breached the agreement since its inception and they are in default as to my Administration process since XXXX of XXXX, yet they continue to <em>report</em> false information to my credit <em>report</em>/consumer <em>report</em>. U.S. bank is <em>reporting</em> negative items against my wishes and without my written permission nor consent which is a form of <em>identity</em> <em>theft</em> ( a crime ). U.S."]},"sort":[7.326237,"10990504"]},{"_index":"complaint-public-v1","_id":"6681290","_score":6.765857,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX CFPB TOP PDF XX/XX/XXXX I, XXXX XXXX. The Consumer submitted a complaint asking all credit agencies to stop violating My privacy by posting alleged debt on their private sites. ( e.g. EARLY WARNING SERVICE LLC.is a private company owned by XXXX XXXX XXXX XXXX, ETC. ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.are not Bureau 's and are only agencies of the BUREAU. When I stated the account in question in last complaint I meant \" EVERY SINGLE ACCOUNT '' DEBT PAYMENT HISTORY ETC '' that XXXX XXXX XXXX continues to post I will hold the CFO personally liable as notice to agent is notice to principle. the individual who's privacy is being violated pursuant to the EQUAL CREDIT OPPORTUNITY ACT THE FEDERAL RESERVE ACT, THE PRIVACY ACT, every transaction relies upon the \" FULL FAITH & CREDIT '' of the united states. Im invoking Consumer protection laws for : Delete, Block and Remove Listed XXXX XXXX XXXX Charge off / Closed Account Balance - {$87.00} Balance updated XXXX XXXX, XXXX Credit limit - {$500.00} Account info - Account number - XXXX Open/closed - Closed Date opened - XX/XX/XXXX XXXX XXXX Code XXXX XXXX Definitions and application The Federal Government took away our lawful money ( silver & gold ) in XXXX but Congress had to provide the people a remedy. Public Law : Chap. 48, 48 Stat. 112 under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar. That the giving a ( federal reserve ) note does not constitute payment. That the use of a ( federal reserve ) Note is only a promise to pay. That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See Rains v State, 226 S.W. 189. I can't provide exact dates because I have been trying to get this matter settled with XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n( XXXX XXXX XXXX XXXX, EARLY WARNING SERVICE LLC AND XXXX XXXX for many years. As they refuse to verify and/or validate the debt properly and in accordance to federal law, therefore I am submitting this complaint. I have a problem with their legal characteristic by nature, as they have not given equitable relief. \nI am submitting one Administration Judgment ( documentation ) for proof and the account should be discharged. This firm has been unlawfully and illegally trying to collect on monies already prepaid pursuant to HJR-192 of 1933. Additionally pursuant to 31 U.S.C. 3123 the interest and public debt is the obligation of the United States. I must also report that it has been almost 6+ years and this firm is still continuing to report false information on the report. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) Imay presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( which they keep reporting illegally ). As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages. I am comprehending that the credit reporting agencies, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.And XXXX, XXXXMUST delete ALL accounts that I have reported as fraudulent regarding identity theft within FOUR ( 4 ) days of my report, and NONE OF THEM HAVE DONE SO, violating the laws that are placed to protect consumers.15 U.S. Code 1681c2 - Block of information resulting from identity theft. : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency> My reporting was NOT in ERROR, so the reporting agencies have NO right under the law to continue to \" report '' my PRIVATE information for the public corporations to see. \nBecause of this fact. I am concerned about the validity and accuracy of of the accounts that are reporting on my credit report. I am requesting a investigation because I feel the items are not being reported legally. I received a copy of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.credit reports containing the following inaccurate and incomplete items : Delete 1- XXXX XXXX XXXX Charge off / Closed Account : - Account number - XXXX. Why are you disputing this account? Account is not accurate Reason ( s ) for dispute : 1 ) There were fraudulent charges made on this account Additional Comments : Motion Remedy Claim for Damages in Re : Pub Res No. 10 Public Law Ch 48, 48 statute 112, Pub Law 7310, HJR 192, 31 USC 3123, 5103, 5312,18 USC 8, 12 USC 411, 28 USC 1746, 42 USC 408 ( a ) 8 Penalty, Privacy Act of 1974 12 USC 3401, Right to Fianancial Privacy Act of 1978 5 USC section 552 ( a ), Third Party Summons Act Special Procedures 26 USC section 7609 Delete 2XXXX XXXX XXXXXXXX XXXX Account number XXXX. Why are you disputing this account? Account is not accurate Reason ( s ) for dispute : 1 ) There were fraudulent charges made on this account Addtional Comments : Motion Remedy Claim for Damages in Re : Pub Res No. 10 Public Law Ch 48, 48 statute 112, Pub Law 7310, HJR 192, 31 USC 3123, 5103, 5312,18 USC 8, 12 USC 411, 28 USC 1746, 42 USC 408 ( a ) 8 Penalty, Privacy Act of 1974 12 USC 3401, Right to Fianancial Privacy Act of 1978 5 USC section 552 ( a ), Third Party Summons Act Special Procedures 26 USC section 7609I disputed every negative items on my credit report several times, I also provided accurate information for the reasons why I'm not liable for those debts according to the law, I'm full aware that all these corporations, including this very one I'm utilizing for the complaint is using a name not associated with me, I've stated I'm not a ALL CAPITAL LETTERS CORPORATION or 14th Amendment Citizen, I'm a free National, most of those debt collectors aren't a party to the matter, they brought the debt from the original creditor, I never signed a contract with any of them, and for your organization to confirm anything from those debt collectors is fraud, because they're using a name similar to mines, who isn't me, I've also reserved my rights ... UCC 1-308, I've quoted HJR 192, and only Congress can coin and make legal tender, Credit is not legal tender, I have grounds to sue these debt collectors or any organization who uses my name without my consent, and committing fraud.According to the fair credit reporting act, all negative items must be removed once it is known as an inaccurate account. These accounts still states accurate on my report, which it is proven to be inaccurate because their was no proof of claim mailed to me. Again according to Hjr 192 the US Congress passed the Emergency Banking Act. It was also announced by the 73rd congress that the UNITED STATES was bankrupt. The passage of House Joint Resolution HJR-192 removed the ability of the public to pay debt with lawful money. This made it illegal to demand lawful money for the payment of debt.See references : 48 Statute 1, Public Law 89-719, HJR 192, Public Law 73-10, American Bar Association Unbound Volume 1938 , 31 USC 53 section 5312 ( 3 ) ( C ), 31USC5312 ( 2 ) ( r ), PL 97-258, 96 Stat. 995, PL 99-570, PL 100-690, PL 103-325, PL 107-56, PL 108-458, 1USC 1362, 6 USC 6185 ( a ), 4USC 405-409, 3USC 321 ( a ), ( b ), 359 ) ( a ), 365 ( c ), 4USC 6202 ( g ), 6203 ( b ), 100 Stat. 3207-33, 102 Stat. 4354, 4357, 108 Stat. 2247, 2252, 115 Stat.315, 328, 335, 118 Stat. 3746, PL 97-258, PL 97-452, 16USC 831 ( h ), PL 98-369, PL 101-508, PL 102-589, PL 104-134, PL 105-46, 5USC 5129 ( b ), 98 Stat. 1153, 6USC 2653 ( a ) ( 1 ), 104 Stat. 1388-287, 106 Stat. 1488, 3USC Also, according the Constitution Article 1 section 10 Article 1 section 10 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. No State shall, without the Consent of the Congress, lay any Imposts or Duties on Imports or Exports, except what may be absolutely necessary for executing it's inspection Laws : and the net Produce of all Duties and Imposts, laid by any State on Imports or Exports, shall be for the Use of the Treasury of the United States ; and all such Laws shall be subject to the Revision and Controul of the Congress. \n\nThe two provisions that empower XXXX to consider any business or agency as a financial institution the 1st is if it engages in any activity that is similar to, related to, or a substitute for any activity in which any business described above is authorized to engage. 31 CFR Section 5312 ( a ) ( 2 ) ( Y ). The second authorizes XXXX to designate any other business as a financial institution if that business has cash transactions that have a high degree of usefulness in criminal, tax, or regulatory matters. See 31 CFR Section 5312 ( a ) ( 2 ) ( Z ).\n\nAs is evident from the list above, the regulations and reporting requirements implemented pursuant to the BSA apply broadly to the financial activities of many businesses and not just banks. As such, the financial activities of a very broad cross-section of the economy can come under the scrutiny of the federal government. Every customer at a car dealership, travel agency, casino, insurance company, or bank is at risk of having a SAR be secretly filed about their financial activities. Given the existence of such scrutiny, all financial institutions and their customers should be cognizant of XXXX and XXXX regulations. Compliance with all regulations is critical to protecting oneself and ones business. Moreover, making finance arrangements that lessen risk, such as avoiding the use of unlicensed money transmitters, is another way to avoid unwarranted investigatory attention. \n\n\n\nXXXX XXXX CFPB TOP PDF XXXX CFPB BOTTOM XX/XX/XXXX Charged off accounts that are fraudulent transactions The OFFICE OF COMPTROLLER OF THE CURRENCY ( OCC ) And FEDERAL TRADE COMMISSION Were Contacted And Reports Were Generated For the Following Accounts Associated Which The Stated Banks/ Financial institutions. \nXXXX XXXX XXXX Charge off / Closed Account -Account number - XXXX XXXX XXXX XXXX - Account number XXXX In Addition There are a bunch Inquiries that need to be removed. I DID NOT AUTHORIZE All Inquiries listed on my consumer report to be removed 1XXXX main! \n2. XXXX XXXX  The doctrine of privity contract ( s ) is a common law principle which provides that a contract can not confer rights or impose obligations upon any person who is not a party to the contract. The premise is that only parties to contracts should be able to sue to enforce their rights or claim damages as such. Res Judicata : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON XXXX XXXX XXXX XXXX CONTRACT, FOR DETERMINATION 'UNCONSCIONABLE CONTRACT ' AND AGREEMENT FOR COMMERCIAL DISCHARGE, I am in receipt of and conditionally accept for value ( honor ) \" Demand For Payment Of Debt '' It has come to my attention that as applied to the above matter, that there may not have been a true qualified 'meeting of the minds, ' that there may be fraud or misrepresentation on the contract and/or the contract itself may be an unconscionable contract, or other controversies that may exist within this contract/transaction.\n\nAs I want to resolve this matter as soon as possible, I am initiating this private-administrative remedy to determine such matters and I do not agree to make payment ( s ) predicated upon your claim. This Equality of Opportunity is to let the lawful record of 15 USC 1992 ( a ) Abusive practices ( b ) Inadequacy of laws ( c ) Available non-abusive collection methods ( d ) Interstate commerce ( e ) Purposes, required by FEDERAL LAW. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. FDIC Law, Regulations, Related Acts. https : //www.fdic.gov/regulations/laws/rules/8000-1250.html USC 1306 . The FTC 's Bureau of Consumer Protection Act ( s ). This Equality of Opportunity is to let the lawful record of The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), reflect that you are required by federal and state law to verify through the physical verification of the original signature of consumers contract any and all accounts you post on any of my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. PROOF OF SIGNATURES AND STATUS AS HOLDER IN DUE COURSE. I demand to see Verifiable Proof of my original Consumer Contract with my Signature on the instrument you have on file of the accounts listed. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account ( s ) listed below. See Attached Instrument ( s ) Proof Of Claim Proof Of Delivery Rescind Debt, Discharge Debt In Accordance To HJR 192 Act of 1933. IRS codes section 1.1001-1 ( 4657 ) C.C.H. states that Federal Reserve Notes ( Dollars ) are valueless. The only lawful money of the United States Of America are gold and silver coins with 1 oz. The Business of Banking. The business of banking, as defined by law and custom, consists in the issue of notes intended to circulate as money..And defines a Bankers Note as : A commercial instrument resembling a bank note in every particular except that it is given by a private banker or unincorporated banking institution. A Person is a Financial Institution ; Unincorporated Banking Institution ; and Financial Agency pursuant to 31 U.S.C. 5312 and a U.C.C. - ARTICLE 3 - NEGOTIABLE INSTRUMENTS.. Acceptance Promissory Note under ( U.C.C. 2-304 ) that states, The price can be made payable in money or otherwise. IRS codes section 1.1001-1 ( 4657 ) C.C.H. states that Federal Reserve Notes ( Dollars ) are valueless. The only lawful money of the United States Of America are gold and silver coins with 1 oz Of pure gold or silver as per Articles VIII and X of the Constitution For the United States of America. or lender promissory notes requiring legal money that is not true money such as : bank checks, cash, check, money orders, attorney checks, bank transfers, wire transfers, FEDERAL RESERVE PROMISSORY NOTE DOLLARS, cashier checks, and certified checks from a bank, attorney, or escrow company are illegal pursuant to Title 31 U.S.C. 5118 ( d ) ( 2 ) ; 31 U.S.C.A. 463 ; and Public Law 97-258 ( ). Contracts requiring legal money such as cash, check, money orders, bank transfers, wire transfers, and Federal Reserve Notes ( DOLLARS ) are illegal and unlawful by Title 31 U.S.C. 5118 ( d ) ( 2 ) ; 31 U.S.C.A. 463 ; and Public Law 97-258. All debts today are discharged by promises to pay in the future. All Federal Reserve Notes, DOLLARS, are registered securities and promise to pay in the future. FRNs are secured by the utility of alive men 's energy or labor. When quoting U.C.C. statutes, the courts require them to be quoted with State or Federal statute designation. U.C.C. codes are United Nations statutes, but are codified in every local jurisdiction. \nIn accordance with XXXX XXXX. XXXX and XXXX XXXX XXXX, such Note instruments are national bank currency and thereby coin or currency of the United States by statutory definition and can be issued by who are banking members of the XXXX and are THE EQUIVALENT OF MONEY as per XXXX XXXX XXXX ( L ) and must be accepted by all banks and financial institutions as payoff, set off, discharge, and full settlement of all debts and loans. Failure to remove this debt will result in legal action HJR XXXX ACT OF XXXX PUBLIC LAW XXXX XXXX U.S.C. XXXX - XXXX XXXX - XXXX XXXX XXXX. XXXX and XXXX XXXX. Payment of obligations and interest on the public debt.. Payment of obligations and interest on the public debt ( a ) The faith of the United States Government XXXX pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. ( b ) The XXXX of the Treasury shall pay interest due or accrued on the public debt. As the XXXX considers expedient, the XXXX XXXX pay in advance interest on the public debt by a period of not more than XXXX year, with or without a rebate of interest on the coupons. ( c ) ( XXXX ) The XXXX XXXX issue a bond, note, or certificate of indebtedness authorized under this chapter whose principal and interest are payable in a foreign currency stated in the bond, note, or certificate. The XXXX XXXX dispose of the bonds, notes, and certificates at a price that is at least par value without complying with section XXXX ( b ) ( d ) of this title. \n( XXXX ) In determining the dollar amount of bonds, notes, and certificates of indebtedness that XXXX be issued under this chapter, the dollar equivalent of the amount of bonds, notes, and certificates payable in a foreign currency is determined by the par of XXXX XXXX value on the date of issue of the bonds, notes, or certificates as published by the Secretary under SECTION XXXX OF THIS TITLE. ( XXXX ) The XXXX XXXX designate depositaries in foreign countries in which any part of the proceeds of bonds, notes, or certificates of indebtedness payable in the foreign currency XXXX be deposited. CITE AS : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX requirements- XXXX ). ( F ) In order to prevent evasions of the reserve requirements imposed by this subsection, after consultation with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the Comptroller of the Currency, and the XXXX XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX XXXX Federal Reserve XXXX is authorized to determine, by regulation or order, that an account or deposit is a transaction account if such account or deposit XXXX be used to provide funds directly or indirectly for the purpose of making payments or transfers to third person. ( XXXX XXXX XXXX XXXX ) This erroneous entrys is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial. Please respond accordingly, A PERSON is a Financial Institution ; Unincorporated Banking Institution ; and Financial Agency pursuant to 31 U.S.C. 5312 and a Acceptance Promissory Note under ( U.C.C. 2-304 ) tha FTC ATTACHED.\n\nThe Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. Federal Deposit Insurance Corporation ( FDIC ), independent U.S. government corporation created under authority of the Banking Act of 1933 ( also known as the Glass-Steagall Act ), with the responsibility to insure bank deposits in eligible banks against loss in the event of a bank failure and to regulate certain banking... The Federal Trade Commission 's Credit Practices Rule states that it is... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. The Federal Trade Commission 's Credit Practices Rule states that it is... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. The Federal Trade Commission has filed a complaint charging a mortgage spamming operation with violating federal laws by using an array of ... According to the fair credit reporting act, all negative items must be removed once it is known as an inaccurate account. These accounts still states accurate on my report, which it is proven to be inaccurate because their was no proof of claim mailed to me. Also according to Hjr 192 IN 1933! the US Congress passed the Emergency Banking Act. It was also announced to the 73rd congress that the UNITED STATES was bankrupt. The passage of House Joint Resolution HJR-192 removed the ability of the public to pay debt with lawful money. \nThis made it illegal to demand lawful money for the payment of debt.See references : 48 Statute 1, Public Law 89-719, HJR 192, Public Law 73-10, American Bar Association Unbound Volume 1938 , 31 USC 53 section 5312 ( 3 ) ( C ), 31USC5312 ( 2 ) ( r ), PL 97-258, 96 Stat. 995, PL 99-570, PL 100-690, PL 103-325, PL 107-56, PL 108-458, 1USC 1362, 6 USC 6185 ( a ), 4USC 405-409, 3USC 321 ( a ), ( b ), 359 ) ( a ), 365 ( c ), 4USC 6202 ( g ), 6203 ( b ), 100 Stat. 3207-33, 102 Stat. 4354, 4357, 108 Stat. 2247, 2252, 115 Stat.315, 328, 335, 118 Stat. 3746, PL 97-258, PL 97-452, 16USC 831 ( h ), PL 98-369, PL 101-508, PL 102-589, PL 104-134, PL 105-46, 5USC 5129 ( b ), 98 Stat. 1153, 6USC 2653 ( a ) ( 1 ), 104 Stat. 1388-287, 106 Stat. 1488, 3USC Also, according the Constitution Article 1 section 10 Article 1 section 10 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. No State shall, without the Consent of the Congress, lay any Imposts or Duties on Imports or Exports, except what may be absolutely necessary for executing it's inspection Laws : and the net Produce of all Duties and Imposts, laid by any State on Imports or Exports, shall be for the Use of the Treasury of the United States ; and all such Laws shall be subject to the Revision and Controul of the Congress. \nIn XXXX Tendered payments WERE ISSUED TO XXXX XXXX XXXX with proof of service and signatures required signed by all creditors. The law states that if the payment is not accepted then XXXX XXXX has five days to return that payment to me with lawful reason for denying it. XXXX XXXX XXXX has failed to do so. In fact it has been [ 96 ] days and the Tender of Payment has yet to be mentioned by XXXX XXXX XXXX XXXX. If the payment is not returned then it is implied that the payment was tendered and received and they collected from the US Treasury and or at Any Federal Reserve Bank. \nIt is left to be implied due to the amount of time given to XXXX XXXX XXXX XXXX. which is well passed the five day time to respond. Attached are the FDCPA laws. ALSO, The new law states \" Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, March 9, 1933 on HR 1491 p. 83. Therefore all are hereby notified that i XXXX XXXX do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligation and must be handled in accord with the dictates of statute. i have accepted the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. They were to present the item ( remittance coupon ) to the United States Treasury Department or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full. Rather it has been over [ 96 ] days and nothing has posted as paid tendered or discharged and this disables me by way of doing business employment and living free. \nXXXX XXXX XXXX XXXX. has notified the Credit Reporting Agency. that i am late to a debt that was paid in full as of i have the CFPB COMPLAINT ID NUMBERS attached which is the delivery proof which is undeniable, and therefore the payment was received on time and is not late, as well the payment format was never returned to me. If XXXX XXXX XXXX XXXX, has decided to deny the payment then the debt obligation is DISCHARGED! So again! I am writing you about inaccuracies that are being inequitably furnished by XXXX on my Consumer Report. These inaccuracies damaged my right to extend credit. I am being discriminated against by a long list of apartment complexes solely due to harmful information on my consumer report. According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I hereby put your organization on notice and am informing you that I NEVER gave consent to this report being furnished by you on my behalf. I am aware of the fact that your organization ASSUMED a vital role. Because of this, my livelihood has been adversely affected. There is no law that states anything needs to be reported to a consumer reporting agency. Therefore, XXXX is liable under 15 USC 1681n. 15 USC 1681 ( a ) ( 4 ), clearly states that consumer reporting agencies MUST exercise their grave responsibilities with fairness, impartiality, and RESPECT for THE CONSUMERS RIGHT TO PRIVACY. Your organization neither exercised its responsibilities with fairness and impartiality NOR protected MY right to PRIVACY. Please show me the law where it states a credit reporting agency may report non public personal information on a consumer without consent. I called and spoke to your representatives several times to remedy this. Ive lost countless hours since XXXX to this. Ive lost sleep, nutrition, a portion of my moving money, and am STILL suffering from mental anguish and anxiety every day as a result of this. Ive been XXXX assaulted by an XXXX driver. Something that wouldve never happened if it werent for you people. \nAvailable homes I am qualified for are being rented by others as my reputation continues to be affected by these inaccuracies and without my consent. I have a deadline to move by XX/XX/XXXX and My safe livelihood is at stake and I am at risk of homelessness because of YOU not PROTECTING MY RIGHT TO PRIVACY and furnishing non-public personal information WITHOUT MY CONSENT. You should be ashamed for operating in a way that puts consumers lives at risk, blatantly committing fraud, and aggressively violating consumer rights to privacy. I am requesting proof that XXXX investigated any negative items you furnished to my consumer report. This grave step affects my reputation. Pursuant to 15 USC 1681a ( e ) an investigative consumer report would mean you conducted interviews with family and friends. You must not rely on information from a creditor. In the FCRA, 15 USC 1681a ( e ) clearly states that an investigative consumer report is ; obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information SHALL NOT include factual information on a consumers credit record OBTAINED DIRECTLY FROM A CREDITOR of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Further, pursuant to 15USC 6802 ( b ) I was supposed to be given a disclosure to opt out of my non public personal information being reported by a non affiliated third party. I was not given this disclosure. Further, pursuant to 15 USC 1681b credit reporting is voluntary.\n\nI did NOT consent neither did I provide written notice to you to report account status. Pursuant to 15 USC 1666b timing of payments, a creditor MAY NOT treat a payment on a credit card under an open ended credit plan as late for ANY PURPOSE. Pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand you to do the following today ; Block and Delete the following XXXX XXXX XXXX Charge off / Closed Account -Account number - XXXX XXXX XXXX XXXX  - Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nI the living man have demanded these accounts be VALIDATED ( not a verification ) WITH ORIGINAL CONTRACTS or DOCUMENTS WITH MY ( WET SEAL SIGNATURE ) on them on a CERTIFIED COPY OF the TRUE BILL ( not a statement ) or REMOVE ACCOUNTS IF THEY CAN'T BE VALIDATED. SEND ME PROOF BY EMAIL to XXXX and by CERTIFIED MAIL to XXXX XXXX XXXX XXXX, XXXX Georgia XXXX WITH TRACKING NUMBER I Demand that of the listed accounts update. The Trading with the ememy acct. By 28 U.S Code & 3002 / UCC 1 308, HJR 192 1933 and US Constitution Article 1 Section 10... I the living man demand that FRAUDULENT ACCT. ( XXXX ) XXXX XXXX XXXX Charge off / Closed Account - Account number - XXXX FRAUDULENT ACCOUNT ( 2 ) XXXX XXXX XXXX - Account number XXXX All Inquiries are Disputed as FRAUDULENT and need to be VALIDATED XXXX XXXX  Inquiry date XX/XX/XXXX. / Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX / Removal date XX/XX/XXXX I the living man wants all accounts to be VALIDATED that I the living man was giving money when it No money as the country is Bankrupt and in Bankruptcy it has, been no money snice all the GOLD & SILVER was taken and the BANKRUPT XXXX XXXX XXXX is pushing worthless paper as money when its no money so how is the living man supposed to pay with money when its no money only FIAT CURRENCY when I the living man is the Grantor and Beneficiary of the ESTATE for the ALL CAPS NAME called XXXX XXXX XXXX i'm not the ALL CAPS NAME e.g I'm the only legally Authorized Representative that can sign for the ALL CAPS NAME these accounts claim all accounts all been VALIDATED, WITH CERTIFIED COPY OF THE TRUE BILL & ORIGINAL CONTRACT DOCUMENTS THAT HAVE MY WET SEAL SIGNATURE ON THEM I DEMAND ALL OF THIS PROOF TO BE SENT TO Either of THE LIVING MAN addresses listed. \n\nI DEMAND TO SEE THIS PROOF ASAP and I need this to be stated on the record for equity court as I the living man will file suit and make an special appearance in court to have these accounts to be VALIDATED, Certified Copy of TRUE BILL and the Original Contract & Documents that ho","date_sent_to_company":"2023-03-11T16:08:11.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"30016","tags":null,"has_narrative":true,"complaint_id":"6681290","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2023-03-11T16:07:50.000Z","state":"GA","company_public_response":null,"sub_issue":"Billing dispute for services"},"highlight":{"complaint_what_happened":["Code 1681c2 - Block of information resulting from <em>identity</em> <em>theft</em>. : ( a ) Block Except as otherwise provided in this section, a consumer <em>reporting</em> agency shall block the <em>reporting</em> of any information in the <em>file</em> of a consumer that the consumer identifies as information that resulted from an alleged <em>identity</em> <em>theft</em>, not later than 4 business days after the date of receipt by such agency> My <em>reporting</em> was NOT in ERROR, so the <em>reporting</em> agencies have NO right under the law to continue to \" <em>report</em> '' my"],"issue":["Credit monitoring or <em>identity</em> <em>theft</em> protection services"],"company":["Early <em>Warning</em> Services, LLC"]},"sort":[6.765857,"6681290"]},{"_index":"complaint-public-v1","_id":"6693726","_score":4.975441,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Update My Personal Information XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Sent Via Certified Mail Return Receipt Requested Dear Sir or Madam : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT STOP SAYING I'VE HIRED A CREDIT REPAIR COMPANY WHEN IN FACT, I DID NOT. THIS IS ME AS THE NATURAL LIVING PERSON AND THE CONSUMER THAT IS WRITING YOU. YOUR E-OSCAR SYSTEM IS FAULTY AND IM LETTING YOU KNOW I WILL FILE SUIT IF IT CONTINUES TO READ ME AS A 3RD PARTY COMPANY BECAUSE YOU ARE SHOWING DISCRIMINATION TOWARDS ME AND ARE VIOLATING MY RIGHTS TO PRIVACY AS WELL AS DISRESPECTING ME BY STATTING I DO NOT know MY RIGHTS AS A CONSUMER. \n\nI am writing to CERTIFY that I recently reviewed a copy of Experian credit report and found that part of the following \" PERSONAL INFORMATION '' was incorrect. I'm asking you to look into addresses that I've never lived at and that might be on my credit report as a result of fraud as soon as possible. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Please refer to the photocopy of my driver 's license that is attached. Just so you know : I've sent this paperwork certified mail. \n\nWho am I? XXXX XXXX Please IMMEDIATELY remove any more name variations. They are incorrect! \n\nMy current address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Florida XXXX IMMEDIATELY delete all other addresses. They are incorrect! \nMy employment status right now is EMPLOYED. Please IMMEDIATELY delete any further job variations. They are incorrect! \nI ask that you remove these disputed items. A reasonable amount of time for you to finish your investigation is thirty ( 30 ) days. The FAIR CREDIT REPORTING ACT is in effect. 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. \nThe Credit Reporting Act states. Please notify me through mail when these items have been updated and deleted. I now certify that the information above is accurate and true. \n\nArtI.S10.C1.2.2.1 Limits on Issuing Legal Tender Article I, Section 10, Clause 1 : No State shall enter any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder , ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. \n\nTRUTH IN LENDING The Commission is empowered by this Act ( Title I of the Consumer Credit Protection Act ) to ensure that most non-depository organizations abide by various legal requirements. The Act, among other things, mandates that creditors who work with customers comply with other laws, provide certain written disclosures about financial costs and associated terms of credit transactions ( including revealing an APR ), and make certain disclosures in advertisements. Numerous amendments to the Act have included rules for credit cards and open-end credit, as well as for mortgage credit, including ability to repay standards, loan origination, anti-steering, appraisal independence, and mortgage servicing. The legislation that this Act amends and is enforced by are noted separately. \n\n\n\n\n\n\nAFFIDAVIT OF AGGRAVATED IDENTITY THEFT XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Sent Via Certified Mail Return Receipt Requested Dear Sir or Madam : To whom it may concern : I'm writing to contest bogus accusations made against my consumer profile that was displayed on the Experian credit report. I was the victim of identity theft. At this moment I request that you remove the account, issue me an accurate statement and delete the fraudulent charges and any associated financial charges from my consumer profile. \n\nThis warning tells you that an unauthorized account was improperly reported to my consumer report. You do not have my signed consent to change my credit report. My private or personal information can not be used by you to contact third parties for any legal reason. Your offenses qualify as severe identity theft under 18 U.S.C. 1028A. You have committed a felony punishable by up to 2 years in prison and civil responsibility by willfully transferring, possessing, or using a method of identification of mine without my consent. \nThis agency violates 15 USC 1692g. I was supposed to receive written notice of this five days in advance, but I never did. I can prove this debt just because I am the original creditor. This debt is not justified by me. The accounts listed below must be removed from my report as a result. \n\nIf you don't act promptly to delete the aforementioned account and send out a free copy of my report after the adjustments have been made, legal action will be initiated against your business, and I will also be seeking {$1000.00} per infraction for the following : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 15 US Code 1681n - Civil liability for willful noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. \nFair and Accurate Credit Transactions Act The Fair Credit Reporting Act, as amended by the FACT Act, contains provisions designed to enhance the accuracy and integrity of information in consumer reports. \nSection 312 of the FACT Act requires the agencies to : ( 1 ) establish and maintain guidelines on the accuracy and integrity of information furnished to credit bureaus ; ( 2 ) prescribe regulations that require entities that furnish such information to establish reasonable policies and procedures for implementing the guidelines; and ( 3 ) prescribe regulations that identify circumstances under which a furnisher will be required to reinvestigate disputes about the accuracy of the information contained in a consumer report based on a consumer 's direct request. \nThe FACT Act requires the agencies to consider specific factors as they develop guidelines and regulations to implement section 312. The ANPR contains a series of questions that will facilitate this process. \nThe above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being re-reported or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain, or report MUST be mandated, true, and correct. \ncomplete, timely, proven mine, of my responsibility, and otherwise compliant to any and every reporting regulation in my state or federal laws. \nLIABILITY FOR VIOLATIONS OF THE FCRA Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 6 16, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619.Section 604 of the FCRA ( 15 U.S.C. 1681b No authorization or permissible purpose was established \" following the written instructions '' as the consumer to whom it relates to obtaining my consumer report under any circumstances. No consent has been granted from the consumer, even if verbally granted, for this is not good enough even if documentation of such consent is maintained. \n\nInformation regarding inquiries. Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. \n\nFCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. \nEnd-users must provide certification to comply with permissible purpose requirement. \nEnd-users must ( 1 ) identify themselves, ( 2 ) certify the purpose for obtaining reports, ( 3 ) certify the information in the report will be used for no other purpose ( Blanket certification ). \nBackground screening companies have obligations to show reasonable procedures to ensure access to only permissible users. \nCertify to users that request will be used for a permissible purpose. \nAdverse Actions Based on Information Obtained From Third Parties Who Are Not Consumer Reporting Agencies If a person denies ( or increases the charge for ) credit for personal, family, or household purposes based either wholly or partly upon information from a person other than a CRA, and the information is the type of consumer information covered by the FCRA, Section 615 ( b ) ( 1 ) requires that the user clearly and accurately disclose to the consumer his or her right to be told the nature of the information that was relied upon if the consumer makes a written request within 60 days of notification. The user must provide the disclosure within a reasonable period of time following the consumer 's written request. \n15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 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. \n805. Communication in connection with debt collection ( a ) Communication with the consumer generally 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 812. Furnishing certain deceptive forms ( a ) It is illegal to design, put together, and provide any form with the knowledge that it will be used to give consumers the impression that someone other than their creditor is helping to collect or is trying to collect a debt they are supposedly owed by them, when in fact they are not. \n\n( b ) Anyone who violates this section is held accountable to the same degree and in the same way that a debt collector is under section 813 for breaking one of this title 's rules. \n\n814. Administrative enforcement ( a ) Federal Trade Commission The Federal Trade Commission shall be authorized to enforce compliance with this subchapter, except to the extent that enforcement of the requirements imposed under this subchapter is specifically committed to another Government agency under any of paragraphs ( 1 ) through ( 5 ) of subsection ( b ), subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ]. For purpose of the exercise by the Federal Trade Commission of its functions and powers under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), a violation of this subchapter shall be deemed an unfair or deceptive act or practice in violation of that Act. All of the functions and powers of the Federal Trade Commission under the Federal Trade Commission Act are available to the Federal Trade Commission to enforce compliance by any person with this subchapter, irrespective of whether that person is engaged in commerce or meets any other jurisdictional tests under the Federal Trade Commission Act, including the power to enforce the provisions of this subchapter, in the same manner as if the violation had been a violation of a Federal Trade Commission trade regulation rule. \n\n\nDECLARATION OF NON-RESPONSIBILITY I/We, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX that I have never received nor used any credit cards, for the purchases of merchandise, services or for any other purpose. No Purchases or uses have been authorized by or with my consent or knowledge, and no benefit or value has been or will be received by me as a result of such transactions. Furthermore, I have never signed any application requesting the issuance of any said credit card, nor did I authorize any person to use a duplicate credit card issued under the above account number. I declare under penalty of perjury that the foregoing is true and correct. \n28 USC 3002 :15 ( 15 ) United States means ( A ) a Federal corporation ; ( B ) an agency, department, commission, board, or other entity of the United States XXXX or ( C ) an instrumentality of the United States XXXX \n\n\" I am a living breathing consumer with the right to privacy, I am NOT a citizen. Citizenship can NOT exist within any corporation ; for only members of a corporation reside '' USC 1602J ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. Any person who originates 2 or more mortgages referred to in subsection ( aa ) in any 12-month period or any person who originates 1 or more such mortgages through a mortgage broker shall be considered to be a creditor for purposes of this subchapter. The term creditor includes a private educational lender ( as that term is defined in section 1650 of this title ) for purposes of this subchapter.\n\n15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. \n\nInaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. \n\n( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. \n\n( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.\n\n( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. \n\n( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. \n\nINCLUSIONS : The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) protects personal financial information collected by consumer reporting agencies. The Act limits those who can access such information, and subsequent amendments have simplified the process by which consumers can obtain and correct the information collected about themselves. The FTC also actively enforces prohibitions on fraudulently obtaining personal financial information, a crime known as \" pretexting. '' Due to your erroneous data furnishing, you have \" ALSO '' made me a victim of harassment and abuse by violating FDCPA 15 U.S. Code 1692d : 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. \n\n( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.\n\n( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 )? [ 1 ] of this title. \n\n( 4 ) The advertisement for sale of any debt to coerce payment of the debt.\n\n( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.\n\n( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity. \n\n15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector. \n\n\n\n\n\n\n\n\n\nXXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX, Florida XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Sent Via Certified Mail Return Receipt Requested To Whom It May Concern : This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. \n15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. \nThe Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX. XXXX XXXX  Account Number : XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. The following personal information is incorrect Account Number : Name : XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX The information regarding this account is inaccurate because I dont have a contract with this company, nor do I owe a balance. account needs to be deleted immediately because it is detrimental to my Credit report and score. \nThe following supporting documents are enclosed for your review : 1. Identity Theft Report 2. Notary My identity has been stolen you are hereby put on notice. \nAggravated Identity Theft pursuant to 18 U.S.C. 1028A.\n\n( 1 ) In general. \nWhoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. \nAn identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. \n( 2 ) In accordance with the written instructions of the consumer to whom it relates. \" As ( 3 ) To a person which it has reason to believe Credit Reporting and Scores Under the CARES Act In response to the unprecedented financial impact of the COVID-19 outbreak, many lenders have developed relief options that give consumers wiggle room if they are unable to make their regular payments. To protect consumers against being reported as delinquent if they utilize these options, the CARES Act calls for creditors to adjust how they report accounts that have been modified. \nThe law requires creditors to report any account that has a payment accommodation applied to it as current to the credit bureausas long as the account was current when the accommodation was made. Here are two scenarios you could experience under the CARES Act : If your loan is considered current ( not past due ) at the time you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. \nIf your loan is considered delinquent ( past due ) when you make an agreement with your creditor, your status will continue to show as delinquent until you bring the account back into good standing. Once you bring the account current, the creditor must report your status as current to the credit bureaus. \nAccording to the new law, an \" accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief. \nThe CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/XXXX, through either XX/XX/XXXX ( 120 days after XX/XX/XXXX, when the law was enacted ), or 120 days from the date the COVID-19 national emergency is declared over. \nIf you're unsure about your specific arrangement and want to know whether you're protected by these requirements, contact your lender and ask how they plan to report your information to credit bureaus. Make sure you document all your interactions by taking notes and screenshots and saving emails, so if your lender fails to follow through, you'll be prepared to dispute them. \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nXXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit report : XXXX. XXXX XXXX  Account Number : XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX I recently received a copy of my consumer report, and I noticed some late payments posted on my accounts. By law, pertaining to the CARES ACT, accommodations were made to my account and ive been current since, and late payments should have not been reported and is a clear violation to my rights as a CONSUMER. I have never missed a payment in the month of XX/XX/XXXX or any months after. Pleas update the month of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to either ON TIME, NO DATA/DATA UNAVAILABLE, or DELETE ACCOUNT altogether : The following supporting documents are enclosed for your review : 1. Identity Theft Report 2. CARES ACT Your company is in clear violation of the law. Under 15 US C 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : XXXX. XXXX XXXX  Account Number : XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. The following personal information is incorrect Account Number : Name : XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. \n\nDid I give you written instruction to furnish this on my credit report? \n\nFurthermore, the fair credit reporting act 15 USC 1681b ( 2 ) ( a ) ( 1 ) Exclusion from a consumer credit report clearly states : ( 2 ) EXCLUSIONS -- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this tile, any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report. \nDelete the above late payments from any consumer report, this agency is in violation of 15 USC 168i. \n\nI recently received a copy of my consumer report, and I noticed some late payments posted on my accounts. By law, pertaining to the CARES ACT, accommodations were made to my account and ive been current since, and late payments should have not been reported and is a clear violation to my rights as a CONSUMER. I have never missed a payment in the month of XX/XX/XXXX or any months after. Pleas update the month of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to either ON TIME, NO DATA/DATA UNAVAILABLE, or DELETE ACCOUNT altogether : The following supporting documents are enclosed for your review : 1. Identity Theft Report 2. CARES ACT Your company is in clear violation of the law. Under 15 US C 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. \n\nDid I give you written instruction to furnish this on my credit report? \n\nFurthermore, the fair credit reporting act 15 USC 1681b ( 2 ) ( a ) ( 1 ) Exclusion from a consumer credit report clearly states : ( 2 ) EXCLUSIONS -- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this tile, any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report. \nDelete the above late payments from any consumer report, this agency is in violation of 15 USC 168i.\n\nYour company is in clear violation of the law. Under 15 US C 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. \n\nDid I give you written instruction to furnish this","date_sent_to_company":"2023-03-14T21:27:12.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33027","tags":null,"has_narrative":true,"complaint_id":"6693726","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-03-14T21:01:51.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This <em>warning</em> tells you that an unauthorized account was improperly <em>reported</em> to my consumer <em>report</em>. You do not have my signed consent to change my credit <em>report</em>. My private or personal information can not be used by you to contact third parties for any legal reason. Your offenses qualify as severe <em>identity</em> <em>theft</em> under 18 U.S.C. 1028A."],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[4.975441,"6693726"]},{"_index":"complaint-public-v1","_id":"7117421","_score":3.8161187,"_source":{"product":"Mortgage","complaint_what_happened":"I closed on my dream home on XX/XX/XXXX, XXXX XXXX XXXX as my loan provider. I made my first month 's payment the third week of XXXX making this account defaulted when PennyMac allegedly took over/bought/transferred this loan from XXXX XXXX. \n\nI have sent several letters ( TRACKING XXXX, XXXX ) requesting debt validation and proof of holder in due course from PennyMac Loan Servicing who has failed to reply, update my account to reflect disputed, and continues to attempt this alleged debt by using harassment, obscene and offensive language, and worse threatening me and my family. Below is my third letter. \n\nAlso, this Deed of Trust is voided as law stands that XXXX can not be a beneficiary ( Bain v. Metropolitan Mortgage Group , Inc., 2012 WL 3517326 ( Wash. 2012 ) ). Rather than the lender that issued the note to the borrower/homeowner. Interpreting the meaning of the word \" beneficiary '' in state foreclosure statutes, the Washington Supreme Court agreed with other courts that have held that MERS is not actually the beneficiary of the note and thus has no power to. The court also held that the facts might present a violation of the state consumer protection act because MERS misrepresented itself as the beneficiary to the borrower, thus engaging in a deceptive business practice. Whether the statute was violated depended on whether the borrower could show that she was injured by the deceptive statement. \n\nI have asked twice now, this is my third time for proof that PennyMac id the true owner of the Note or the current holder of the note and not the chain of assignments from the original lender. They have replied with photo copies of a Note that does not support their claim. Also, stated that my legal request is too burdensome. \n\n\nXXXX XXXX XXXX XXXX XXXX XXXX California XXXX PENNYMAC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Account Name : Alleged Account Number : XXXX RE : account # XXXX Certified Mail # Date : XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT To Whom It May Concern : Request for Admissions Dear PENNYMAC LOAN SERVICES In regards to your package dated XX/XX/XXXX. You did not answer my requests point by point as required by law. I requested that you provided proof of claim. I am hereby disputing the following facts stated in an administrative notice dated XX/XX/XXXX. \n\nParagraph 2 states that I owe PennyMac Loan Servicing, LLC the amount of {$7600.00}. I hereby deny this claim in its entirety.\n\nThere is no evidence that PennyMac Loan Servicing is entitled to be named the Beneficiary under this debt. The original lender under the Deed of Trust/Mortgage is XXXX XXXX XXXX XXXX XXXX XXXX XXXX... There is no chain of title naming PennyMac Loan Servicing as the real party of interest or holder of the negotiable instrument. The photocopied paperwork you sent dated XX/XX/XXXX confirms that PennyMac Loan Servicing is not listed on the Deed of Trust. Nor was any evidence provided to support PennyMac Loan Servicing claim. Under the Truth in Lending Act pursuant to 15 USC 1601-1667j ( full disclosure ), I have a right to know who the true party of interest in this transaction is regardless of how burdensome providing this legal right to me the Consumer. As such, I am asking you to stipulate whether you are the holder in due course for my promissory note. If you are not the holder, then you admit to being the servicer of this obligation. \n\nPlease also stipulate whether or not my loan has been securitized, and if so, the name of the REMIC/Trust my loan is bundled with. \n\nPursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge together with the ORIGINAL WET INK Deed of Trust in XXXX XXXX County. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course. \n\nIf you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your claim under U.C.C. - ARTICLE 3 3-301.\n\nUnder Title 12 226.39 ( regulation Z ) part ( a ), a servicer does not have the rights of a holder in due course and therefore, do not have the right to foreclose. You are hereby given notice that any attempt to foreclose on my property will be construed as prima facia evidence that you are committing fraud. \n\nIn a recent case law, it was ruled as follows : It is the creditors responsibility to keep a borrower and the Court informed as to who owns the note and mortgage and is servicing the loan, not the borrowers or the Courts responsibility to ferret out the truth It is worth repeating as a warning to lenders and servicers that the rules of this Court apply to them. Their private agreements and the frenzied trading market for mortgages do not excuse compliance ( In re Nosek, 406 B.R. 434, 440 ( D.Mass 2009 ) ) Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal council on this matter. \n\nI am giving you formal notice that failure to respond to this letter through a verified and validated proof of claim within 30 days as I have asked for, point for point will be taken as an administrative default. \n\nPlease be advised. A COPY of the said Note nor an Affidavit of Loss or any other forms will not be acceptable. \n\nPlease contact me in writing to arrange for an appropriate point of inspection in XXXX XXXX County, California. \n\nLitigation is very expensive and should be avoided at all cost. This is my good faith attempt to resolve this matter before I am forced to litigate against your company. I am pleading with you to resolve this matter privately and civilly as to avoid burdening our courts with this matter. If I have to, I will see you in court. This is not an idle threat.\n\n15 U.S. Code 1692g - Validation of debts A copy of the security instrument is not a sufficient proof of claim as per U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ). Under this code, I am entitled to have the instrument presented to me as you are required to upkeep the legal document allegedly entrusted to you. \n\nYou stated in paragraph two of your response that per the correspondence sent by PennyMac Loan Services on XX/XX/XXXX, a dispute of the validity of the debt must be received within thirty ( 30 ) days after receipt of said notice, or Pennymac will assume the debt to be valid. As no dispute was received within the specified timeframe, the loan was and continues to be serviced in accordance with the terms of the signed loan documents and the laws of the state in which the property is located. I was unaware that Pennymac ( company ) overrules and outweighs the Federal Laws Federal Debt Collection Practices Act ( FDCPA ) and as stated in your response state law in which the property is located being California. Pursuant unto the FDCPA you are violated and refuse me my rights. According to the FDCPA 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION Subchapter V : 15 U.S. Code 1692g - Validation of debts ( c ) Admission of liability 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.\n\nUnder USC Title 18 Chapter 25, you are engaging in counterfeiting and such behavior is a felony. Providing a photocopy of a security instrument is not only unconscionable but is illegal. I had asked for the visual inspection of the original promissory note, not a copy. You did not provide any proof to sufficiently satisfying your claim under U.C.C. - ARTICLE 3 -3-302 that you are a note holder in due course. You did not stipulate whether or not you were the holder in due course. You did not stipulate whether this loan was securitized as required by law.\n\nTherefore, you admit to the following : 1 ) You adm\nit that you are a servicer of the promissory note.\n\n2 ) You admit that the loan has been securitized.\n\n3 ) You admit that you are not a real party of interest in this controversy.\n\n4 ) You admit that you are a debt collector and not the original creditor. \n\nUnder the Federal Rules of Civil Procedure Rule 36, you are advised to notify me within 30 days should you wish to contest any of the above allegations with specific proof. Failure to do so means that you fully admit to all allegations as truth. These admissions will be used as evidence against you in any future controversy involving this matter. \n\nIn regard to the above-referenced account in accordance to the Fair Credit Reporting Act 15 USC 1681a 2 ( B ) this account is not included in a consumer report. You have reported this account to my consumer report which is a clear violation of the law. I The Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 USC 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information.\n\n( b ) OPT OUT ( 1 ) IN XXXX financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. \n\nI recently received copies of my XXXX credit reports and I see you are still reporting on all three major Consumer Reporting Agencies. This is after I, the consumer, gave you PENNYMAC LOAN SERVICER notice that I do not give you permission to report, NO PERMISSIBLE PURPOSE. You did not only fail to disclose to me that I can opt out of having my information reported, you threaten and used obscene language telling me I had no rights under the FCPA and the TILA regarding my right to opt out. I am writing you for the third time to demand and EXERCISE MY FEDERAL RIGHT : I DO NOT GIVE YOU PERMISSION TO REPORT, YOU HAVE NO PERMISSIBLE PURPOSE. If you continue to knowingly damage my reputation I will exercise my legal consumer right to full extent of the Federal Laws. They took their misleading and fraudulent communications further and told me I had no right ( paragraph 3 and 4, page 2 ). Does PennyMac Loan Servicing trump/outweigh/higher than the United Stated Federal Law ? PENNYMAC LOAN SERVICES knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties. PENNYMAC LOAN SERVICES knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. However, notice was given in writing on XX/XX/XXXX, by me ( Consumer ) that I am exercising my right to nondisclosure to all third parties. This includes all reporting agencies, ay affiliates, business partners or associates, etc. that Pennymac Loan Services has in the past or in future work with or given information to pertaining to any and all aspects of this alleged account and its activities. You do not have my permission. \n\nReporting of these account is a violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. \n\nThis makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. You ( PENNYMAC LOAN SERVICES ) are in violations of several federal laws you have 10 calendar days from the receipt of this letter : I Demand that : 1 ) Any and ALL negative/derogatory remarks, annotations, comments, or the like to be removed off of ALL of my consumer reports immediately AND 2 ) This account be updated to report as Closed. PAID IN FULL. In GOOD STANDING for this account on ALL of my consumer reports immediately.AND 3 ) Clear my title/deed to subject property or 3 ) To delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on. \n\nYou are put on notice of the fact of the matter and the continuation of reporting this account after you have been put on notice I will take legal action for willful noncompliance under the civil liability section of the FCRA 15 USC 1681n and the TILA 15 USC 1601.\n\nShould you decide to discriminate against me for future business and or products because I exercise my federal consumer rights under this or any chapter I will be coming after you ( PENNYMAC LOAN SERVICES ) for damages and I will use the contents of this and previous correspondence as proof of such decision.\n\n15 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. \n\n\nRE : Alleged account # XXXX Certified Mail # XX/XX/XXXX NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM To Whom it May Concern This letter is being sent to you in response to a computer generated, unsigned letter dated XX/XX/XXXX, received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested for the third time, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. \n15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. \nThis is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. \nProvide under Rule 1002. Requirement of the Original An original writing, recording, or photograph is required in order to prove its content unless these rules or a federal statute provides otherwise. \n\nFurthermore, you shall cease all verbal communication. No phone calls, no text messages, no social media contact, no ringless voicemail contact, no email contact, the only communication must be through the UNITED STATES POST OFFICE, to the Claimant. \nAt this time I will also inform you that your offices have been erroneously reporting invalidated information to all of the 3 major Consumer reporting agencies : XXXX, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action constitute fraud under both Federal and State Laws. Due to this fact ; any and all negative mark ( s ) found on any of the Claimants consumer reports by your company or the company that you represent. If all negative remarks are not removed and updated to good standing/paid in full, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant consumer reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a consumer reporting repository that could be inaccurate or invalidated. \nIf your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. \nTitle 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. \nXXXX XXXX XXXX : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. \nIn conjunction with the above request, upon further investigation I did not receive All MY TRUTH IN LENDING DISCLOSURES. \nProvide me with my truth in lending disclosures 15 usc 1635 ( a ) The information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter. \nThe creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. \nThe creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. \nUnder 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information You failed to provide me with the Required disclosures to OPT out of having my information reported. The law is very clear and before you reported my information to any nonaffiliated 3rd party ( Consumer Reporting Agencies ) you should have given me the following disclosures and you did not. Provide me with the following ; ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) OPT OUT ( 1 ) IN XXXX XXXXinancial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. \n\nCounter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION 15 usc 1692gb and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) All disclosures listed in this this correspondence ( c ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( d ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( e ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, Will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( f ) Voluntarily report this account to all consumer reporting agencies as paid as agreed ; and, ( g ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( h ) The matter regarding the alleged debt is finally and totally settled ; and, ( i ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice. \nFurthermore, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first-hand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III ) XXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent; and, V ) Three times the alleged claim amount ; and, VI ) XXXX XXXX Dollars ( {$5000.00} ) per occurrence per day, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$570000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) regarding the above referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in an involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent.\n\nThis is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable. \nEquality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Executed on this XXXX day of XXXX, XXXX by, __________________________________ XXXX XXXX, Agent for XXXX XXXX You are the second party that has written a letter purporting to represent, or have as your client, PennyMac. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer-generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received. \n\n\nCREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.\n\n1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. \n9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.\n\n10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration XXXXstatement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.\n\n12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. \n13. Verify as a third-party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.\n\n14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.\n\n15. Provide verification from the stated creditor that you are authorized to act for them.\n\n16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341. Disputing the Debt, Dated this _________ day of XXXX, XXXX. \nBy : _____________________________________________ XXXX XXXX ( expressly all rights reserved ), Real Party in Interest, Live breathing man. \nState of California ) ) ss. : County of XXXX XXXX ) Subscribed and Affirmed and having been duly sworn to at XXXX ( town/city ) before me____________________________, a Notary Public for the said county and state as above noted, do hereby state that the living man, XXXX XXXX personally appeared before me and signed the foregoing instrument. Witness my hand and official seal this_____day of____________________, XXXX. \n__________________________________________ Notary Public Signature ______________________________________ My Commission Expires [ SEAL ] cc : 1. FILE 2. NATIONAL DEFAULT SERVICING 3. CALIFORNIA DEPARTMENT OF COMMERCE 4. CONSUMER RESPONSE CENTER 5. 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