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100 | debt_collection | wakefield associate colorado contacted mdt phone asked information could go ensure fraudulent caller company name mailing address etc looked calling number mdt spoke gentleman requested send written debt validation notice received one point turned wrong address provided updated told would send written verification received call identified themself employee wakefield associate informed yet received debt validation notice previous conversation told address correction though yet sent validation notice well day going told feel acted good faith want written validation notice right fdcpa |
101 | credit_card | conducted investigation believe transaction valid belong therefore respectfully declining request permanent credit disputed reason given conclusion showing credit bureau time come also debt collection agency one day calling behalf capital one regarding charge paying charge responsible make purchase got done pointing still audacity give reason supposition tell respectfully decline request permanently credited right front cfpb nothing respectful people brazen refuse pay fraudulent charge still wo ca show proof claim consider matter closed also never ever patronize capital one great day |
102 | credit_card | conducted another investigation based new complaint submission able confirm time transaction question card possession respectfully declining request permanent first respectfully anything secondly able confirm card possession ground responded time regarding issue time gave extremely vague answer thus far given supporting documentation back allegation claim conducted investigation yet investigation include document proving cardholder owes money law able request copy said document disrespectfully decline refusal request permanent credit furthermore report account credit reporting company delinquent pay report also must state think owe money must notify get report also must promptly report subsequent resolution reported delinquency everyone got report close account asap want nothing dirty rotten people |
103 | debt_collection | wf crd svc claim owe account opened result identity theft informed company also provided police report refuse take credit charged amount effecting credit hindering first time home buyer claim account opened |
104 | credit_reporting | continue refresh outdated account old account violates fdcpa fcba cra vilates section account |
105 | retail_banking | app access checking account round credit card purchase invest new worked great last year u deny access |
106 | credit_reporting | experian continue refresh outdated account old account violates fdcpa fcba cra vilates section account |
107 | debt_collection | calling friend family employer extended family telling trying locate regarding lawsuit called spoke claim calling party location processor hired state california said case trying collect refused give company address information loanme current address phone number address also notified writing contact family employer harassing unnecessarily contacting people involved giving inaccurate information lawsuit |
108 | debt_collection | calling everyday sometimes multiple time day collecting year old debt maybe others awaiting important phonecalls pick every call get always someone sometimes wo even say tell ca give information unless tell last time spoke someone told seriously harassing pandemic replied harassing calling multiple time day different random number harassment |
109 | credit_reporting | unfairly placed transunion credit report collection acct company license operate georgia bought inaccurate unvalidated unverified fraudulent collection acct another company also license operate georgia company entity exist never done business company acct anyone take minute search state business search website site page find neither one company license operate business ga company called company lost license operate financial fraud crime ironically paying bill state still illegally operated without license wreckless disregard sold inaccurate unverified fraudulent collection acct also license operate either apparently investigate broke law year ago destroyed credit life fraudulent collection acct fraudulent acct still transunion credit report disputed inaccurate fraudulent acct transunion showed written proof intentionally maliciously refused remove painful fraudulent inaccurate acct transunion credit please help thank advance thoughtful |
110 | debt_collection | federal tax refund returned refund process withheldon date president announced executive action related national emergencyfor repayment defaulted federal student loan federal tax refund returned process withhold refund completed letter show department education state need return refund attached document treasury department taken make arraignment phone type communication directly need back year refund call number provided loan invest time calling get fund back obligation return year refund file suit fraud damage incurred year collect refund back settle returning refund back year take loan credit |
111 | credit_reporting | name trying make change credit report since saw incorrect information address employment information information belong relation tight business see really capable bad effect credit report demand false information change name address employment information need removed immediately info address reported wa wa |
112 | credit_reporting | name trying make change credit report since saw incorrect information address employment information information belong relation tight business see really capable bad effect credit report demand false information change name address employment information need removed immediately info address reported wa wa |
113 | credit_card | dispute case card ending usaa credit card merchant name transaction date transaction amount disputed amount dispute case card ending usaa credit card merchant name transaction date transaction amount disputed amount dispute making purchase credit card usaa two separate transaction merchant purchased trip cancelled told apply refund apply refund however company give refund back filed dispute credit agency help dispute account follow dispute policy state service provided customer right receive full refund impact credit negative way increasing credit balance decreasing credit score currently refinancing house also effecting financial relate |
114 | mortgages_and_loans | declared chapter bankruptcy granted bankruptcy court private student loan peak private loan included bankruptcy peak loan notified bankruptcy sure court well receiving phone call peak informed attorney contacted peak behalf end phone call worked least temporary attended graduating even loan peak wiped clean part bankruptcy cfpb state district columbia ordered peak stop collection cancel outstanding loan owns relating request credit reporting bureau delete peak entry well done either already contacted attorney like file formal complaint people harassing long |
115 | debt_collection | account account mine contacted equifax time remove account mine show proof verify even sent hard copy proof showing mine |
116 | credit_card | neiman marcus credit card able make high payment capital one work due unemployment covid ca afford pay minimum first payment gave owe payment pay ca afford amount spoke customer service rep worked capital one bank told account closed anything would able said neiman marcus strict guideline much done stated since account closed make payment stated still given late fee reported three credit agency late payment need help willing make payment ca afford month |
117 | credit_card | item purchased item returned item returned could take store faster credit due store closed refund supposedly processed credit time including today claim item still sitting warehouse unprocessed item credited still show balance item successfully credit account look balance finally show call talk told automated system balance still please help |
118 | credit_card | complaint submitted two month ago american express provide address customer service refused info many request submitted telephone number cfpb sufficient forget send message american express resolve issue |
119 | credit_reporting | name trying fix incorrect information credit report seen like never working spot address employment information incorrect belong information make really bad effect credit report also association harvest time outbreak really need support uplift affords last year address employment information address reported il employment info |
120 | credit_reporting | name trying fix incorrect information credit report seen like never working spot address employment information incorrect belong information make really bad effect credit report also association harvest time outbreak really need support uplift affords last year address employment information address reported il employment info generation |
121 | credit_reporting | name trying fix incorrect information credit report seen like never working spot address employment information incorrect belong information make really bad effect credit report also association harvest time outbreak really need support uplift affords last year address employment information address reported il employment info |
122 | mortgages_and_loans | sent document stating flood insurance insurance company mr cooper continues charge escrow stating required insurance even though showed proof policy number contact number insurance agent asked pay home loan manageable amount mr cooper refuse allow pay principle amount since make money interest contacted mrcooper phone sent numerous email portal system numerous time well asked help social medium platform although stated would help yet hear besides usual verbiage customer outreach |
123 | credit_reporting | attached first qualified written request qwr item required select portfolio servicing sps prove standing collect mortgage payment without proving spss standing sps illegally accessed credit report false pretext invading pr ivacy fcra sps collecting money via escrow account yet refused pay property insurance since corrupt company u servicing mortgage loan customer feedback sps main business goal fradulently foreclose seize people home |
124 | credit_reporting | experian taken fraudulent action destroy effort improve credit score falsely reporting multiple charge offs double digit account account charged amount secured credit card inaccurate without providing proper documentation xxxxxxxx experian recorded multiple co credit report credit reporting agency conducted false initial dispute two inaccurately made report credit file latest result third dispute experian report number generated experian refused provide proper validation paper experian utilized update credit report credit score unlawful illegal manner clear violation fair credit reporting right federal law law state california contact number experian purported utilized contact number experian sent documentation sent address list result address xxxxxxxx ny strongly doubt address experian refused remove credit report despite concluded pay delete experian know fact record balance account also know always pay delete similar situation |
125 | mortgages_and_loans | already complained time select portfolio servicing sps deliver mortgage payment statement mortgage payment statement time mortgage payment statement arrived select portfolio servicing sps select portfolio servicing sps purpose collect illegally paying website via phone illegal fraudulent actor supposed pay mortgage time via bank bill payment pay mortgage payment via select portfolio servicing sps website see attached bank could process mortgage payment via bank bill pay besides constant mortgage payment statement delayed delivery issue escrow accounting respa cc ca |
126 | retail_banking | month made conversion one digital currency another conversion disclosure fee transaction actually say coinbase fee transaction see example image stated order preview conversation post conversion realized post conversation dollar amount far le pre conversation dollar amount upon complaining coinbase received following note expert type derivative transaction entirely false claim fund reserved liquidity volatility risk mitigation fund need returned beneficial owner retained coinbase also gone back several time clarification asking exact mechanic refused address several hello like explain happened fiat value fund received exact value expecting depending volume price order order book time conversion created conversion may fill price le favorable recent trade price case significantly commonly referred cause order produce result favorable equal le favorable original expectation per pricing fee disclosure http coinbase applies spread two percent digital currency conversion however actual spread may higher lower due market fluctuation price digital currency coinbase pro time quote price time order executes charge separate coinbase fee digital currency conversion hope information help regard many day even week transferring money money fully debited arround still often unavailable transfer coinbase likely using fund internally generate revenue |
127 | retail_banking | complaintant successfully created set checking saving account penfed required document ssn information used create account access mobile banking subsequently unlock using automated mean however online access suddenly blocked penfed employee employee stated although enrollment process require document complaintant need send utility bill ssn card photo id order unlock account automated text email generated complaintant attempt login found account locked manually initial deposit credit card application successfully made lock marking successful login usage manual lock placed penfed employee complaintant called time pst est friday est pst est pst est simple unlock executed employee document emailed representative suddenly claimed day assured review penfed ca open attached image file complaintant wonder penfed notified issue wait unlock account complaintant call wednesday pst including pst later utility paystubs ssn card photo id credit card email template tue color photo id color utility bill color ssn letter address listed manually composed email photo id ssn card utility bill manually composed email wed photo id paystubs conditionally approved credit card application manually composed penfed debit card linked transfer service however transaction randomly jammed time time penfed may show also requires additional documentation unlock account enrollment webpage require make account unlock lock placed automated system whether need constantly call ask employee execute unlock process employee problem task without constantly user call remind complaintant baffled penfed employee create situation artificially order portray complaintant calling incessantly |
128 | debt_collection | mailed letter copy attached ensure received payment check record indicate check cashed called around informed received money told would received check within day however receive anything called around insisted check cashed completely swear get check asked proof told would send mail however receive anything filed fraud report gave case supposed get back never heard anything back feel wasting time want get sick forget however completely unfair believe important story published online people know |
129 | debt_collection | past transaction using reporting party creditor profile completely refunded item returned citibank allows third party thief enter break home steal financial statement copy card allow entry online banking review manage financial information aside resolve vendor dispute reporting party belief created highlight bad faith dealing involves unauthorized third party thief |
130 | credit_reporting | equifax bureau credit reporting company information obtain actionable fcra credit furnishers disputed information bankruptcy reported bureau resolved dispute stating verified united state district statement patently false matter law federal court neither furnish verify personal case bankruptcy information credit bureau submitted dispute online stating since federal court supply verify information credit bureau bureau either never verified accuracy obtained existence public record data source circular process violates right accurate reporting bureau opaque intentional disregard fcra related doctrine irony provided bureau via certified mail copy bankruptcy purpose bureau deleting three account labeled education loan determined federal court exempt chapter discharge bureau ignored bankruptcy document since agency found strange changed status challenged account six time last week cfpb failed duty protect consumer crafty bureau policy federal law allegiance corporate data furnishers bureau tactic sweeping impact interest rate nation economy cost ten thousand dollar interest overpayment good due rating bureau cfpb undertake joint study congress minimize bureau abuse avoidance responsibility meaningless dispute process |
131 | credit_reporting | true identity theft equifax confirmation number company name account company name account member equifax data breach filed claim accordingly attempting clear credit report fraudulent item far back unsuccessful |
132 | credit_reporting | true identity theft victim identity theft since try get two information listed blow deleted due fraud appears credit report relate transaction made result identity theft also victim data breach several account credit report mine listed also filed ftc report police report support claim here ftc report police report number ive called experian last past year going back fourth even called unable locate verify account using date birth confirmation experian report number account name account number date opened account name account number fraudulent debt hindering ability apply credit even get first time credit card people trying build credit know start next step take remedy situation caused financial emotional stress worst part denied job based negative information report subjected adverse action pertaining cra reporting inaccurate information result fraud victim identify theft placing fraud alert credit report ive also uploaded copy police report filed county sheriff office ftc report thank much help |
133 | credit_reporting | true identity theft victim identity theft since try get two information listed blow deleted due fraud appears credit report relate transaction made result identity theft also victim equifax data breach several account credit report mine listed also filed ftc report police report support claim here ftc report numberxxxx police report number ive called equifax last past year going back fourth even called unable locate verify account using date birth equifax confirmation report number account name account number date opened account name account number fraudulent debt hindering ability apply credit even get first time credit card people trying build credit know start next step take remedy situation caused financial emotional stress worst part denied job based negative information report subjected adverse action pertaining cra reporting inaccurate information result fraud victim identify theft placing fraud alert credit report ive also uploaded copy police report filed county sheriff office ftc report thank much help |
134 | credit_reporting | true identity theft victim identity theft confirmation limit opened file number limit opened experian report number limit opened personal information exposed data breach started receiving information checked online found data breach looked credit report found inaccurate false fraudulent information belong contacted local police made report also told make report ftc jurisdiction ive listed many fraudulent account could thank help address belong ga ga ga ga |
135 | credit_reporting | true identity theft victim identity theft information listed appears credit report relate transaction made result identity please block information report im member data breach filed claim accordingly attempting clear credit report fraudulent item experian report number file number file number account name account number account name account number account name account number account name account number account name account number account name account number account name account number account name account number account name account number |
136 | credit_reporting | true identity theft victim identity theft information listed appears credit report relate transaction made result identity please block information report im member equifax data breach filed claim accordingly attempting clear credit report fraudulent item report number file number equifax file number account name account number account name account number account name account number account name account number account name account number account name account number account name account number account name account number account name account number |
137 | credit_reporting | true identity theft victim identity theft information listed appears credit report relate transaction made result identity please block information report im member data breach filed claim accordingly attempting clear credit report fraudulent item report number transunion file number file number account name account number account name account number account name account number account name account number account name account number account name account number account name account number account name account number account name account number |
138 | credit_reporting | true identity theft victim identity theft information listed appears credit report relate transaction made result identity theft also victim data breach several account credit report mine listed experian report number file number report confirmation credit bureau account number collection opened account number hlthfrxxxxxxxxxxx collection opened account number opened account number date opened xxxxxx please block information credit report pursuant section fair credit reporting act send required notification furnishers information thank much safe wear mask stay home |
139 | credit_reporting | true identity theft victim identity theft information listed appears credit report relate transaction made result identity theft also victim data breach several account credit report mine listed report number transunion file number report confirmation account number collection opened account number hlthfrxxxxxxxxxxx collection opened xxxxxxxx account number opened account number date opened xxxxxxxx xxxxxx please block information credit report pursuant section fair credit reporting act send required notification furnishers information thank much safe wear mask stay home |
140 | credit_reporting | true identity theft victim identity theft information listed appears credit report relate transaction made result identity theft please block information report date open date date open number number equifax lock seeing report please help get life back called company give personal information could find system understand address fraud please assist communicating creditor validate identity theft personal information exposed equifax breach started receiving information checked online found data breach looked credit report found inaccurate false fraudulent information belong contacted local police made report also told make report ftc jurisdiction ive listed many fraudulent account could thank help also file ftc able find job subjected adverse action pertaining cra reporting inaccurate information result fraud victim identify theft placing fraud alert credit report |
141 | credit_reporting | true identity theft victim identity theft information listed appears credit report relate transaction made result identity theft please block information report confirmation experian report number lock able pull report number xxxxxxxx personal information exposed data breach started receiving information checked online found data breach looked credit report found inaccurate false fraudulent information belong contacted local police made report also told make report ftc jurisdiction ive listed many fraudulent account could thank help |
142 | credit_reporting | true identity theft victim identity theft information listed appears credit report relate transaction made result identity theft please block information report date open date open date open file number experian report number lock seeing report please help get life back called company give personal information could find system understand address fraud please assist communicating creditor validate identity theft personal information exposed breach started receiving information checked online found data breach looked credit report found inaccurate false fraudulent information belong contacted local police made report also told make report ftc jurisdiction ive listed many fraudulent account could thank help also file ftc able find job subjected adverse action pertaining cra reporting inaccurate information result fraud victim identify theft placing fraud alert credit report |
143 | credit_reporting | true identity theft victim identity theft information listed appears credit report relate transaction made result identity theft please block information reporting credit experian report number account name account number date open account name account number date open account name account number date open account name account number date open date open mail account name account number date account name account number date open personal information exposed data breach started receiving information checked online found data breach looked credit report found inaccurate false fraudulent information belong contacted local police made report also told make report ftc jurisdiction ive listed many fraudulent account could thank help |
144 | credit_reporting | true identity theft victim identity theft information listed appears credit report relate transaction made result identity theft please block information report also ill list report number experian report number report number report confirmation xxxxxxxx ive try fix gotten update proof investigation personal information exposed data breach data breach started receiving information checked online found data breach looked credit report found inaccurate false fraudulent information belong contacted local police made report also told make report ftc jurisdiction ive listed many fraudulent account could thank help also attach true copy police report number complaint also case number filed police department date also ftc report also upload ftc case number battling fraudulent account credit file year please help fraudulent debt hindering ability apply credit even get frist time credit card people trying build credit know start next step take remedy situation caused financial emotional stress worst part denied job based negative information report subjected adverse action pertaining cra reporting inaccurate information result fraud victim identify theft placing fraud alert credit report |
145 | credit_reporting | true identity theft victim identity theft information listed appears credit report relate transaction made result identity theft please block information report confirmation report number transunion lock able pull report number personal information exposed data breach started receiving information checked online found data breach looked credit report found inaccurate false fraudulent information belong contacted local police made report also told make report ftc jurisdiction ive listed many fraudulent account could thank help |
146 | credit_reporting | true identity theft victim identity theft information listed appears credit report relate transaction made result identity theft please block information report try solve matter still solved recently found involved breach scared news eligible file clam lost process long time consuming complicated dont history credit finance referred attorney specializes predatory loan breach victim compensation carefully reviewing credit file ive noticed finding place fraud alert credit file still help fraudulent account still open calling credit company list account open use without consent experian report number file number block getting copy credit report telling victim data breach able get report since dont report number also police report police department incident number list account open fraudulently gaxxxx contact contact de contact co oh ia co gaxxxx please help know start next step take remedy situation caused financial emotional stress worst part denied job based negative information report subjected adverse action pertaining cra reporting inaccurate information result fraud victim identify theft placing fraud alert credit |
147 | credit_reporting | true identity theft victim identity theft information listed appears credit report relate transaction made result identity theft please block information reporting credit equifax report confirmation account name account number date open account name account number date open account name account number date open account name account number date open date open mail account name account number date account name account number date open personal information exposed data breach started receiving information checked online found data breach looked credit report found inaccurate false fraudulent information belong contacted local police made report also told make report ftc jurisdiction ive listed many fraudulent account could thank help |
148 | credit_reporting | true identity theft victim identity theft information listed appears credit report relate transaction made result identity theft please block information report experian report number transunion file number equifax confirmation number account name account number account name acoount number acoount name account number also recently found involved data breach equifax ftc report number fraudulent debt hindering ability apply credit even get frist time credit card people trying build credit know start next step take remedy situation caused financial emotional stress worst part denied job based negative information report subjected adverse action pertaining cra reporting inaccurate information result fraud victim identify theft placing fraud alert credit help |
149 | credit_reporting | true identity theft victim identity theft information listed appears credit report relate transaction made result identity theft please block information report transunion file number report number report confirmation number account name account number date open account name account number date open recently found involved breach scared news eligible file clam lost process long time consuming complicated dont history credit finance referred attorney specializes predatory loan breach victim compensation carefully reviewing credit file ive noticed account called disputed transunion problem never got solve reaching guy help fraudulent debt hindering ability apply credit even get first time credit card people trying build credit know start next step take remedy situation caused financial emotional stress worst part denied job based negative information report subjected adverse action pertaining cra reporting inaccurate information result fraud victim identify theft placing fraud alert credit report |
150 | credit_reporting | true identity theft victim identity theft information listed appears credit report relate transaction made result identity theft please block information report file number report number equifax report confirmation number account name account number date open account name account number date open recently found involved equifax breach scared news eligible file clam lost process long time consuming complicated dont history credit finance referred attorney specializes predatory loan breach victim compensation carefully reviewing credit file ive noticed account called disputed equifax problem never got solve reaching guy help fraudulent debt hindering ability apply credit even get first time credit card people trying build credit know start next step take remedy situation caused financial emotional stress worst part denied job based negative information report subjected adverse action pertaining cra reporting inaccurate information result fraud victim identify theft placing fraud alert credit report |
151 | credit_reporting | true identity theft victim identity theft information listed appears credit report relate transaction made result identity theft please block information report try solve matter still solved recently found involved equifax breach scared news eligible file clam lost process long time consuming complicated dont history credit finance referred attorney specializes predatory loan breach victim compensation carefully reviewing credit file ive noticed finding place fraud alert credit file still help fraudulent account still open calling credit company list account open use without consent report number file number equifax block getting copy credit report telling victim data breach able get report since dont report number also police report police department incident number list account open fraudulently contact contact de contact co oh ia co please help know start next step take remedy situation caused financial emotional stress worst part denied job based negative information report subjected adverse action pertaining cra reporting inaccurate information result fraud victim identify theft placing fraud alert credit |
152 | credit_reporting | true identity theft victim identity theft information listed appears credit report relate transaction made result identity theft please block information report equifax confirmation report number lock able pull report number personal information exposed data breach started receiving information checked online found data breach looked credit report found inaccurate false fraudulent information belong contacted local police made report also told make report ftc jurisdiction ive listed many fraudulent account could thank help |
153 | credit_reporting | true identity theft victim identity theft information listed appears credit report relate transaction made result identity theft please block information report try solve matter still solved recently found involved breach scared news eligible file clam lost process long time consuming complicated dont history credit finance referred attorney specializes predatory loan breach victim compensation carefully reviewing credit file ive noticed finding place fraud alert credit file still help fraudulent account still open calling credit company list account open use without consent report number transunion file number block getting copy credit report telling victim data breach able get report since dont report number also police report police department incident number list account open fraudulently contact contact de contact co oh ia co gaxxxx please help know start next step take remedy situation caused financial emotional stress worst part denied job based negative information report subjected adverse action pertaining cra reporting information result fraud victim identify theft placing fraud alert credit |
154 | credit_reporting | true identity theft victim identity theft information listed appears credit report relate transaction made result identity theft please block information report date open date open date open transunion number report number lock seeing report please help get life back called company give personal information could find system understand address fraud please assist communicating creditor validate identity theft personal information exposed breach started receiving information checked online found data breach looked credit report found inaccurate false fraudulent information belong contacted local police made report also told make report ftc jurisdiction ive listed many fraudulent account could thank help also file ftc able find job subjected adverse action pertaining cra reporting inaccurate information result fraud victim identify theft placing fraud alert credit report |
155 | credit_reporting | true identity theft victim identity theft information listed appears credit report relate transaction made result identity theft please block information reporting credit report confirmation account name account number date open account name account number date open account name account number date open account name account number date open date open mail account name account number date account name account number date open personal information exposed data breach started receiving information checked online found data breach looked credit report found inaccurate false fraudulent information belong contacted local police made report also told make report ftc jurisdiction ive listed many fraudulent account could thank help |
156 | credit_reporting | true identity theft victim identity theft information listed appears credit report relate transaction made result identity theft please block information report file number experian report number report confirmation number account name account number date open account name account number date open recently found involved breach scared news eligible file clam lost process long time consuming complicated dont history credit finance referred attorney specializes predatory loan breach victim compensation carefully reviewing credit file ive noticed account called disputed experian problem never got solve reaching guy help fraudulent debt hindering ability apply credit even get first time credit card people trying build credit know start next step take remedy situation caused financial emotional stress worst part denied job based negative information report subjected adverse action pertaining cra reporting inaccurate information result fraud victim identify theft placing fraud alert credit report |
157 | credit_reporting | true identity theft im member equifax data breach filed claim accordingly attempting clear credit report fraudulent item file number report number report number equifax block seeing credit report list account account number recently found involved equifax breach scared news eligible file clam lost process long time consuming complicated dont history credit finance referred attorney specializes predatory loan breach victim compensation carefully reviewing credit file ive noticed account credit file please help removing item know start next step take remedy situation caused financial emotional stress worst part denied job based negative information report subjected adverse action pertaining cra reporting inaccurate information result fraud victim identify theft placing fraud alert credit report |
158 | credit_reporting | true identity theft im member data breach filed claim accordingly attempting clear credit report fraudulent item transunion file number report number report number block seeing credit report list account account number recently found involved breach scared news eligible file clam lost process long time consuming complicated dont history credit finance referred attorney specializes predatory loan breach victim compensation carefully reviewing credit file ive noticed account credit file please help removing item know start next step take remedy situation caused financial emotional stress worst part denied job based negative information report subjected adverse action pertaining cra reporting inaccurate information result fraud victim identify theft placing fraud alert credit report |
159 | credit_reporting | true identity theft im member data breach filed claim accordingly attempting clear credit report fraudulent item file number report number experian report number block seeing credit report list account account number recently found involved breach scared news eligible file clam lost process long time consuming complicated dont history credit finance referred attorney specializes predatory loan breach victim compensation carefully reviewing credit file ive noticed account credit file please help removing item know start next step take remedy situation caused financial emotional stress worst part denied job based negative information report subjected adverse action pertaining cra reporting inaccurate information result fraud victim identify theft placing fraud alert credit report |
160 | credit_reporting | true identity theft report number experian report number file number victim data breach ive filed claim accordingly ive attempting clear credit report fraudulent item far back ive unsuccessful |
161 | credit_reporting | true identity theft report number report number transunion file number victim data breach ive filed claim accordingly ive attempting clear credit report fraudulent item far back ive unsuccessful |
162 | credit_reporting | true identity theft report number report number xxxxxxxx file number victim equifax data breach ive filed claim accordingly ive attempting clear credit report fraudulent item far back ive unsuccessful |
163 | credit_reporting | true identity theft transunion file report report account name account account name account account name u dept ed account number account name dpt edxxxx account number account name original creditor account account name original creditor account account name original creditor account account original creditor account ive trying reach transunion right back saying verified please help thank |
164 | credit_reporting | true identity theft file report confirmation experian report number account name account account name account account name u dept ed account number account name dpt account number account name original creditor account account name original creditor account account name original creditor account account name original creditor account ive trying reach experian right back saying verified please help thank |
165 | credit_reporting | true identity theft file numberxxxx equifax report confirmation report number account name account account name account account name u dept ed account number account dpt edxxxx account number account name original creditor account account name original creditor account account name original creditor xxxxxxxx account account name original creditor account ive trying reach equifax right back saying verified please help thank |
166 | debt_collection | new posting three credit bureau medical bill subsidy medical bill filed bankruptcy wisconsin law medical bill go collection credit file anyway |
167 | retail_banking | fraudulent charge totaling made capital one checking account via debit card seeing charge immediately canceled debit card informed capital one fraudulent charge disputed charge posted account issued provisional credit pending determination claim received form letter bank denying claim money withdrawn account opened appeal denial capital one bank person every contacted discus original claim make determination furthermore never lost possession debit card authorized person use capital one sent new debit card authorized via usps replace debit card set expire card sent fraudulent charge occurred never received card believe card intercepted fraudulently activated used make fraudulent purchase complained activated card several time capital one complained fraudulent charge last call dispute denial claim never noted account asked several time person making determination claim contact person making complaint malfeasance gross business practice sending replacement card without authorization letting said card activated use credit purchase without authorization fraud reported claim made contacting discus complaint making determination appealed denial capital one bank claim number also made complaint local police dept division financial service regard fraudulent charge |
168 | credit_reporting | block except otherwise provided section consumer reporting agency shall block reporting information file consumer consumer identifies information resulted alleged identity theft later business day date receipt agency appropriate proof identity consumer copy identity theft report identification information consumer statement consumer information information relating transaction consumer b notification consumer reporting agency shall promptly notify furnisher information identified consumer subsection section information may result identity theft identity theft report filed block requested section effective date block c authority decline rescind general consumer reporting agency may decline block may rescind block information relating consumer section consumer reporting agency reasonably determines information blocked error block requested consumer error b information blocked block requested consumer basis material misrepresentation fact consumer relevant request block c consumer obtained possession good service money result blocked transaction transaction notification consumer block information declined rescinded subsection affected consumer shall notified promptly manner consumer notified reinsertion information section b title significance block purpose subsection consumer reporting agency rescinds block presence information file consumer prior blocking information evidence whether consumer knew known consumer obtained possession good service money result block exception resellers reseller file section shall apply consumer reporting agency consumer reporting agency reseller b time request consumer subsection section otherwise furnishing reselling consumer report concerning information identified consumer c informs consumer mean consumer may report identity theft bureau obtain consumer information regarding identity theft reseller file sole obligation consumer reporting agency section regard request consumer section shall block consumer report maintained consumer reporting agency subsequent use consumer accordance provision subsection section identifies consumer reporting agency information file consumer resulted identity theft b consumer reporting agency reseller identified information notice carrying obligation paragraph reseller shall promptly provide notice consumer decision block file notice shall contain name address telephone number consumer reporting agency consumer information obtained resale e exception verification company provision section apply check service company acting issue authorization purpose approving processing negotiable instrument electronic fund transfer similar method payment except beginning business day receipt information described paragraph subsection section check service company shall report national consumer reporting agency described section p title information identified subject identity theft report resulting identity theft f access blocked information law enforcement agency provision section shall construed requiring consumer reporting agency prevent federal state local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter |
169 | credit_reporting | block except otherwise provided section consumer reporting agency shall block reporting information file consumer consumer identifies information resulted alleged identity theft later business day date receipt agency appropriate proof identity consumer copy identity theft report identification information consumer statement consumer information information relating transaction consumer b notification consumer reporting agency shall promptly notify furnisher information identified consumer subsection section information may result identity theft identity theft report filed block requested section effective date block c authority decline rescind general consumer reporting agency may decline block may rescind block information relating consumer section consumer reporting agency reasonably determines information blocked error block requested consumer error b information blocked block requested consumer basis material misrepresentation fact consumer relevant request block c consumer obtained possession good service money result blocked transaction transaction notification consumer block information declined rescinded subsection affected consumer shall notified promptly manner consumer notified reinsertion information section b title significance block purpose subsection consumer reporting agency rescinds block presence information file consumer prior blocking information evidence whether consumer knew known consumer obtained possession good service money result block exception resellers reseller file section shall apply consumer reporting agency consumer reporting agency reseller b time request consumer subsection section otherwise furnishing reselling consumer report concerning information identified consumer c informs consumer mean consumer may report identity theft bureau obtain consumer information regarding identity theft reseller file sole obligation consumer reporting agency section regard request consumer section shall block consumer report maintained consumer reporting agency subsequent use consumer accordance provision subsection section identifies consumer reporting agency information file consumer resulted identity theft b consumer reporting agency reseller identified information notice carrying obligation paragraph reseller shall promptly provide notice consumer decision block file notice shall contain name address telephone number consumer reporting agency consumer information obtained resale e exception verification company provision section apply check service company acting issue authorization purpose approving processing negotiable instrument electronic fund transfer similar method payment except beginning business day receipt information described paragraph subsection section check service company shall report national consumer reporting agency described section p title information identified subject identity theft report resulting identity theft f access blocked information law enforcement agency provision section shall construed requiring consumer reporting agency prevent federal state local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter according fair credit reporting act section required federal law verify physical verification original signed consumer contract account post credit report otherwise anyone paying reporting service could fax mail email fraudulent account demand see verifiable proof original consumer contract signature file account listed failure positively verify account hurt ability obtain credit fcra unverified account must removed unable provide copy verifiable proof must remove account listed |
170 | credit_reporting | block except otherwise provided section consumer reporting agency shall block reporting information file consumer consumer identifies information resulted alleged identity theft later business day date receipt agency appropriate proof identity consumer copy identity theft report identification information consumer statement consumer information information relating transaction consumer b notification consumer reporting agency shall promptly notify furnisher information identified consumer subsection section information may result identity theft identity theft report filed block requested section effective date block c authority decline rescind general consumer reporting agency may decline block may rescind block information relating consumer section consumer reporting agency reasonably determines information blocked error block requested consumer error b information blocked block requested consumer basis material misrepresentation fact consumer relevant request block c consumer obtained possession good service money result blocked transaction transaction notification consumer block information declined rescinded subsection affected consumer shall notified promptly manner consumer notified reinsertion information section b title significance block purpose subsection consumer reporting agency rescinds block presence information file consumer prior blocking information evidence whether consumer knew known consumer obtained possession good service money result block exception resellers reseller file section shall apply consumer reporting agency consumer reporting agency reseller b time request consumer subsection section otherwise furnishing reselling consumer report concerning information identified consumer c informs consumer mean consumer may report identity theft bureau obtain consumer information regarding identity theft reseller file sole obligation consumer reporting agency section regard request consumer section shall block consumer report maintained consumer reporting agency subsequent use consumer accordance provision subsection section identifies consumer reporting agency information file consumer resulted identity theft b consumer reporting agency reseller identified information notice carrying obligation paragraph reseller shall promptly provide notice consumer decision block file notice shall contain name address telephone number consumer reporting agency consumer information obtained resale e exception verification company provision section apply check service company acting issue authorization purpose approving processing negotiable instrument electronic fund transfer similar method payment except beginning business day receipt information described paragraph subsection section check service company shall report national consumer reporting agency described section p title information identified subject identity theft report resulting identity theft f access blocked information law enforcement agency provision section shall construed requiring consumer reporting agency prevent federal state local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter according fair credit reporting act section required federal law verify physical verification original signed consumer contract account post credit report otherwise anyone paying reporting service could fax mail email fraudulent account demand see verifiable proof original consumer contract signature file account listed failure positively verify account hurt ability obtain credit fcra unverified account must removed unable provide copy verifiable proof must remove account listed |
171 | credit_reporting | block except otherwise provided section consumer reporting agency shall block reporting information file consumer consumer identifies information resulted alleged identity theft later business day date receipt agency appropriate proof identity consumer copy identity theft report identification information consumer statement consumer information information relating transaction consumer b notification consumer reporting agency shall promptly notify furnisher information identified consumer subsection section information may result identity theft identity theft report filed block requested section effective date block c authority decline rescind general consumer reporting agency may decline block may rescind block information relating consumer section consumer reporting agency reasonably determines information blocked error block requested consumer error b information blocked block requested consumer basis material misrepresentation fact consumer relevant request block c consumer obtained possession good service money result blocked transaction transaction notification consumer block information declined rescinded subsection affected consumer shall notified promptly manner consumer notified reinsertion information section b title significance block purpose subsection consumer reporting agency rescinds block presence information file consumer prior blocking information evidence whether consumer knew known consumer obtained possession good service money result block exception resellers reseller file section shall apply consumer reporting agency consumer reporting agency reseller b time request consumer subsection section otherwise furnishing reselling consumer report concerning information identified consumer c informs consumer mean consumer may report identity theft bureau obtain consumer information regarding identity theft reseller file sole obligation consumer reporting agency section regard request consumer section shall block consumer report maintained consumer reporting agency subsequent use consumer accordance provision subsection section identifies consumer reporting agency information file consumer resulted identity theft b consumer reporting agency reseller identified information notice carrying obligation paragraph reseller shall promptly provide notice consumer decision block file notice shall contain name address telephone number consumer reporting agency consumer information obtained resale e exception verification company provision section apply check service company acting issue authorization purpose approving processing negotiable instrument electronic fund transfer similar method payment except beginning business day receipt information described paragraph subsection section check service company shall report national consumer reporting agency described section p title information identified subject identity theft report resulting identity theft f access blocked information law enforcement agency provision section shall construed requiring consumer reporting agency prevent federal state local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter according fair credit reporting act section required federal law verify physical verification original signed consumer contract account post credit report otherwise anyone paying reporting service could fax mail email fraudulent account demand see verifiable proof original consumer contract signature file account listed failure positively verify account hurt ability obtain credit fcra unverified account must removed unable provide copy verifiable proof must remove account listed demand following account verified removed immediately |
172 | credit_reporting | block except otherwise provided section consumer reporting agency shall block reporting information file consumer consumer identifies information resulted alleged identity theft later business day date receipt agency appropriate proof identity consumer copy identity theft report identification information consumer statement consumer information information relating transaction consumer b notification consumer reporting agency shall promptly notify furnisher information identified consumer subsection section information may result identity theft identity theft report filed block requested section effective date block c authority decline rescind general consumer reporting agency may decline block may rescind block information relating consumer section consumer reporting agency reasonably determines information blocked error block requested consumer error b information blocked block requested consumer basis material misrepresentation fact consumer relevant request block c consumer obtained possession good service money result blocked transaction transaction notification consumer block information declined rescinded subsection affected consumer shall notified promptly manner consumer notified reinsertion information section b title significance block purpose subsection consumer reporting agency rescinds block presence information file consumer prior blocking information evidence whether consumer knew known consumer obtained possession good service money result block exception resellers reseller file section shall apply consumer reporting agency consumer reporting agency reseller b time request consumer subsection section otherwise furnishing reselling consumer report concerning information identified consumer c informs consumer mean consumer may report identity theft bureau obtain consumer information regarding identity theft reseller file sole obligation consumer reporting agency section regard request consumer section shall block consumer report maintained consumer reporting agency subsequent use consumer accordance provision subsection section identifies consumer reporting agency information file consumer resulted identity theft b consumer reporting agency reseller identified information notice carrying obligation paragraph reseller shall promptly provide notice consumer decision block file notice shall contain name address telephone number consumer reporting agency consumer information obtained resale e exception verification company provision section apply check service company acting issue authorization purpose approving processing negotiable instrument electronic fund transfer similar method payment except beginning business day receipt information described paragraph subsection section check service company shall report national consumer reporting agency described section p title information identified subject identity theft report resulting identity theft f access blocked information law enforcement agency provision section shall construed requiring consumer reporting agency prevent federal state local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter |
173 | credit_reporting | block except otherwise provided section consumer reporting agency shall block reporting information file consumer consumer identifies information resulted alleged identity theft later business day date receipt agency appropriate proof identity consumer copy identity theft report identification information consumer statement consumer information information relating transaction consumer b notification consumer reporting agency shall promptly notify furnisher information identified consumer subsection section information may result identity theft identity theft report filed block requested section effective date block c authority decline rescind general consumer reporting agency may decline block may rescind block information relating consumer section consumer reporting agency reasonably determines information blocked error block requested consumer error b information blocked block requested consumer basis material misrepresentation fact consumer relevant request block c consumer obtained possession good service money result blocked transaction transaction notification consumer block information declined rescinded subsection affected consumer shall notified promptly manner consumer notified reinsertion information section b title significance block purpose subsection consumer reporting agency rescinds block presence information file consumer prior blocking information evidence whether consumer knew known consumer obtained possession good service money result block exception resellers reseller file section shall apply consumer reporting agency consumer reporting agency reseller b time request consumer subsection section otherwise furnishing reselling consumer report concerning information identified consumer c informs consumer mean consumer may report identity theft bureau obtain consumer information regarding identity theft reseller file sole obligation consumer reporting agency section regard request consumer section shall block consumer report maintained consumer reporting agency subsequent use consumer accordance provision subsection section identifies consumer reporting agency information file consumer resulted identity theft b consumer reporting agency reseller identified information notice carrying obligation paragraph reseller shall promptly provide notice consumer decision block file notice shall contain name address telephone number consumer reporting agency consumer information obtained resale e exception verification company provision section apply check service company acting issue authorization purpose approving processing negotiable instrument electronic fund transfer similar method payment except beginning business day receipt information described paragraph subsection section check service company shall report national consumer reporting agency described section p title information identified subject identity theft report resulting identity theft f access blocked information law enforcement agency provision section shall construed requiring consumer reporting agency prevent federal state local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter according fair credit reporting act section required federal law verify physical verification original signed consumer contract account post credit report otherwise anyone paying reporting service could fax mail email fraudulent account demand see verifiable proof original consumer contract signature file account listed failure positively verify account hurt ability obtain credit fcra unverified account must removed unable provide copy verifiable proof must remove account listed |
174 | credit_reporting | block except otherwise provided section consumer reporting agency shall block reporting information file consumer consumer identifies information resulted alleged identity theft later business day date receipt agency appropriate proof identity consumer copy identity theft report identification information consumer statement consumer information information relating transaction consumer b notification consumer reporting agency shall promptly notify furnisher information identified consumer subsection section information may result identity theft identity theft report filed block requested section effective date block c authority decline rescind general consumer reporting agency may decline block may rescind block information relating consumer section consumer reporting agency reasonably determines information blocked error block requested consumer error b information blocked block requested consumer basis material misrepresentation fact consumer relevant request block c consumer obtained possession good service money result blocked transaction transaction notification consumer block information declined rescinded subsection affected consumer shall notified promptly manner consumer notified reinsertion information section b title significance block purpose subsection consumer reporting agency rescinds block presence information file consumer prior blocking information evidence whether consumer knew known consumer obtained possession good service money result block exception resellers reseller file section shall apply consumer reporting agency consumer reporting agency reseller b time request consumer subsection section otherwise furnishing reselling consumer report concerning information identified consumer c informs consumer mean consumer may report identity theft bureau obtain consumer information regarding identity theft reseller file sole obligation consumer reporting agency section regard request consumer section shall block consumer report maintained consumer reporting agency subsequent use consumer accordance provision subsection section identifies consumer reporting agency information file consumer resulted identity theft b consumer reporting agency reseller identified information notice carrying obligation paragraph reseller shall promptly provide notice consumer decision block file notice shall contain name address telephone number consumer reporting agency consumer information obtained resale e exception verification company provision section apply check service company acting issue authorization purpose approving processing negotiable instrument electronic fund transfer similar method payment except beginning business day receipt information described paragraph subsection section check service company shall report national consumer reporting agency described section p title information identified subject identity theft report resulting identity theft f access blocked information law enforcement agency provision section shall construed requiring consumer reporting agency prevent federal state local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter |
175 | credit_reporting | block except otherwise provided section consumer reporting agency shall block reporting information file consumer consumer identifies information resulted alleged identity theft later business day date receipt agency appropriate proof identity consumer copy identity theft report identification information consumer statement consumer information information relating transaction consumer b notification consumer reporting agency shall promptly notify furnisher information identified consumer subsection section information may result identity theft identity theft report filed block requested section effective date block c authority decline rescind general consumer reporting agency may decline block may rescind block information relating consumer section consumer reporting agency reasonably determines information blocked error block requested consumer error b information blocked block requested consumer basis material misrepresentation fact consumer relevant request block c consumer obtained possession good service money result blocked transaction transaction notification consumer block information declined rescinded subsection affected consumer shall notified promptly manner consumer notified reinsertion information section b title significance block purpose subsection consumer reporting agency rescinds block presence information file consumer prior blocking information evidence whether consumer knew known consumer obtained possession good service money result block exception resellers reseller file section shall apply consumer reporting agency consumer reporting agency reseller b time request consumer subsection section otherwise furnishing reselling consumer report concerning information identified consumer c informs consumer mean consumer may report identity theft bureau obtain consumer information regarding identity theft reseller file sole obligation consumer reporting agency section regard request consumer section shall block consumer report maintained consumer reporting agency subsequent use consumer accordance provision subsection section identifies consumer reporting agency information file consumer resulted identity theft b consumer reporting agency reseller identified information notice carrying obligation paragraph reseller shall promptly provide notice consumer decision block file notice shall contain name address telephone number consumer reporting agency consumer information obtained resale e exception verification company provision section apply check service company acting issue authorization purpose approving processing negotiable instrument electronic fund transfer similar method payment except beginning business day receipt information described paragraph subsection section check service company shall report national consumer reporting agency described section p title information identified subject identity theft report resulting identity theft f access blocked information law enforcement agency provision section shall construed requiring consumer reporting agency prevent federal state local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter according fair credit reporting act section required federal law verify physical verification original signed consumer contract account post credit report otherwise anyone paying reporting service could fax mail email fraudulent account demand see verifiable proof original consumer contract signature file account listed failure positively verify account hurt ability obtain credit fcra unverified account must removed unable provide copy verifiable proof must remove account listed demand following account verified removed immediately |
176 | credit_reporting | block except otherwise provided section consumer reporting agency shall block reporting information file consumer consumer identifies information resulted alleged identity theft later business day date receipt agency appropriate proof identity consumer copy identity theft report identification information consumer statement consumer information information relating transaction consumer b notification consumer reporting agency shall promptly notify furnisher information identified consumer subsection section information may result identity theft identity theft report filed block requested section effective date block c authority decline rescind general consumer reporting agency may decline block may rescind block information relating consumer section consumer reporting agency reasonably determines information blocked error block requested consumer error b information blocked block requested consumer basis material misrepresentation fact consumer relevant request block c consumer obtained possession good service money result blocked transaction transaction notification consumer block information declined rescinded subsection affected consumer shall notified promptly manner consumer notified reinsertion information section b title significance block purpose subsection consumer reporting agency rescinds block presence information file consumer prior blocking information evidence whether consumer knew known consumer obtained possession good service money result block exception resellers reseller file section shall apply consumer reporting agency consumer reporting agency reseller b time request consumer subsection section otherwise furnishing reselling consumer report concerning information identified consumer c informs consumer mean consumer may report identity theft bureau obtain consumer information regarding identity theft reseller file sole obligation consumer reporting agency section regard request consumer section shall block consumer report maintained consumer reporting agency subsequent use consumer accordance provision subsection section identifies consumer reporting agency information file consumer resulted identity theft b consumer reporting agency reseller identified information notice carrying obligation paragraph reseller shall promptly provide notice consumer decision block file notice shall contain name address telephone number consumer reporting agency consumer information obtained resale e exception verification company provision section apply check service company acting issue authorization purpose approving processing negotiable instrument electronic fund transfer similar method payment except beginning business day receipt information described paragraph subsection section check service company shall report national consumer reporting agency described section p title information identified subject identity theft report resulting identity theft f access blocked information law enforcement agency provision section shall construed requiring consumer reporting agency prevent federal state local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter according fair credit reporting act section required federal law verify physical verification original signed consumer contract account post credit report otherwise anyone paying reporting service could fax mail email fraudulent account demand see verifiable proof original consumer contract signature file account listed failure positively verify account hurt ability obtain credit fcra unverified account must removed unable provide copy verifiable proof must remove account listed demand following account verified removed immediately |
177 | credit_reporting | block except otherwise provided section consumer reporting agency shall block reporting information file consumer consumer identifies information resulted alleged identity theft later business day date receipt agency appropriate proof identity consumer copy identity theft report identification information consumer statement consumer information information relating transaction consumer b notification consumer reporting agency shall promptly notify furnisher information identified consumer subsection section information may result identity theft identity theft report filed block requested section effective date block c authority decline rescind general consumer reporting agency may decline block may rescind block information relating consumer section consumer reporting agency reasonably determines information blocked error block requested consumer error b information blocked block requested consumer basis material misrepresentation fact consumer relevant request block c consumer obtained possession good service money result blocked transaction transaction notification consumer block information declined rescinded subsection affected consumer shall notified promptly manner consumer notified reinsertion information section b title significance block purpose subsection consumer reporting agency rescinds block presence information file consumer prior blocking information evidence whether consumer knew known consumer obtained possession good service money result block exception resellers reseller file section shall apply consumer reporting agency consumer reporting agency reseller b time request consumer subsection section otherwise furnishing reselling consumer report concerning information identified consumer c informs consumer mean consumer may report identity theft bureau obtain consumer information regarding identity theft reseller file sole obligation consumer reporting agency section regard request consumer section shall block consumer report maintained consumer reporting agency subsequent use consumer accordance provision subsection section identifies consumer reporting agency information file consumer resulted identity theft b consumer reporting agency reseller identified information notice carrying obligation paragraph reseller shall promptly provide notice consumer decision block file notice shall contain name address telephone number consumer reporting agency consumer information obtained resale e exception verification company provision section apply check service company acting issue authorization purpose approving processing negotiable instrument electronic fund transfer similar method payment except beginning business day receipt information described paragraph subsection section check service company shall report national consumer reporting agency described section p title information identified subject identity theft report resulting identity theft f access blocked information law enforcement agency provision section shall construed requiring consumer reporting agency prevent federal state local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter according fair credit reporting act section required federal law verify physical verification original signed consumer contract account post credit report otherwise anyone paying reporting service could fax mail email fraudulent account demand see verifiable proof original consumer contract signature file account listed failure positively verify account hurt ability obtain credit fcra unverified account must removed unable provide copy verifiable proof must remove account listed |
178 | credit_reporting | block except otherwise provided section consumer reporting agency shall block reporting information file consumer consumer identifies information resulted alleged identity theft later business day date receipt agency appropriate proof identity consumer copy identity theft report identification information consumer statement consumer information information relating transaction consumer b notification consumer reporting agency shall promptly notify furnisher information identified consumer subsection section information may result identity theft identity theft report filed block requested section effective date block c authority decline rescind general consumer reporting agency may decline block may rescind block information relating consumer section consumer reporting agency reasonably determines information blocked error block requested consumer error b information blocked block requested consumer basis material misrepresentation fact consumer relevant request block c consumer obtained possession good service money result blocked transaction transaction notification consumer block information declined rescinded subsection affected consumer shall notified promptly manner consumer notified reinsertion information section b title significance block purpose subsection consumer reporting agency rescinds block presence information file consumer prior blocking information evidence whether consumer knew known consumer obtained possession good service money result block exception resellers reseller file section shall apply consumer reporting agency consumer reporting agency reseller b time request consumer subsection section otherwise furnishing reselling consumer report concerning information identified consumer c informs consumer mean consumer may report identity theft bureau obtain consumer information regarding identity theft reseller file sole obligation consumer reporting agency section regard request consumer section shall block consumer report maintained consumer reporting agency subsequent use consumer accordance provision subsection section identifies consumer reporting agency information file consumer resulted identity theft b consumer reporting agency reseller identified information notice carrying obligation paragraph reseller shall promptly provide notice consumer decision block file notice shall contain name address telephone number consumer reporting agency consumer information obtained resale e exception verification company provision section apply check service company acting issue authorization purpose approving processing negotiable instrument electronic fund transfer similar method payment except beginning business day receipt information described paragraph subsection section check service company shall report national consumer reporting agency described section p title information identified subject identity theft report resulting identity theft f access blocked information law enforcement agency provision section shall construed requiring consumer reporting agency prevent federal state local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter according fair credit reporting act section required federal law verify physical verification original signed consumer contract account post credit report otherwise anyone paying reporting service could fax mail email fraudulent account demand see verifiable proof original consumer contract signature file account listed failure positively verify account hurt ability obtain credit fcra unverified account must removed unable provide copy verifiable proof must remove account listed demand following account verified removed immediately |
179 | credit_reporting | block except otherwise provided section consumer reporting agency shall block reporting information file consumer consumer identifies information resulted alleged identity theft later business day date receipt agency appropriate proof identity consumer copy identity theft report identification information consumer statement consumer information information relating transaction consumer b notification consumer reporting agency shall promptly notify furnisher information identified consumer subsection section information may result identity theft identity theft report filed block requested section effective date block c authority decline rescind general consumer reporting agency may decline block may rescind block information relating consumer section consumer reporting agency reasonably determines information blocked error block requested consumer error b information blocked block requested consumer basis material misrepresentation fact consumer relevant request block c consumer obtained possession good service money result blocked transaction transaction notification consumer block information declined rescinded subsection affected consumer shall notified promptly manner consumer notified reinsertion information section b title significance block purpose subsection consumer reporting agency rescinds block presence information file consumer prior blocking information evidence whether consumer knew known consumer obtained possession good service money result block exception resellers reseller file section shall apply consumer reporting agency consumer reporting agency reseller b time request consumer subsection section otherwise furnishing reselling consumer report concerning information identified consumer c informs consumer mean consumer may report identity theft bureau obtain consumer information regarding identity theft reseller file sole obligation consumer reporting agency section regard request consumer section shall block consumer report maintained consumer reporting agency subsequent use consumer accordance provision subsection section identifies consumer reporting agency information file consumer resulted identity theft b consumer reporting agency reseller identified information notice carrying obligation paragraph reseller shall promptly provide notice consumer decision block file notice shall contain name address telephone number consumer reporting agency consumer information obtained resale e exception verification company provision section apply check service company acting issue authorization purpose approving processing negotiable instrument electronic fund transfer similar method payment except beginning business day receipt information described paragraph subsection section check service company shall report national consumer reporting agency described section p title information identified subject identity theft report resulting identity theft f access blocked information law enforcement agency provision section shall construed requiring consumer reporting agency prevent federal state local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter according fair credit reporting act section required federal law verify physical verification original signed consumer contract account post credit report otherwise anyone paying reporting service could fax mail email fraudulent account demand see verifiable proof original consumer contract signature file account listed failure positively verify account hurt ability obtain credit fcra unverified account must removed unable provide copy verifiable proof must remove account listed |
180 | credit_reporting | block except otherwise provided section consumer reporting agency shall block reporting information file consumer consumer identifies information resulted alleged identity theft later business day date receipt agency appropriate proof identity consumer copy identity theft report identification information consumer statement consumer information information relating transaction consumer b notification consumer reporting agency shall promptly notify furnisher information identified consumer subsection section information may result identity theft identity theft report filed block requested section effective date block c authority decline rescind general consumer reporting agency may decline block may rescind block information relating consumer section consumer reporting agency reasonably determines information blocked error block requested consumer error b information blocked block requested consumer basis material misrepresentation fact consumer relevant request block c consumer obtained possession good service money result blocked transaction transaction notification consumer block information declined rescinded subsection affected consumer shall notified promptly manner consumer notified reinsertion information section b title significance block purpose subsection consumer reporting agency rescinds block presence information file consumer prior blocking information evidence whether consumer knew known consumer obtained possession good service money result block exception resellers reseller file section shall apply consumer reporting agency consumer reporting agency reseller b time request consumer subsection section otherwise furnishing reselling consumer report concerning information identified consumer c informs consumer mean consumer may report identity theft bureau obtain consumer information regarding identity theft reseller file sole obligation consumer reporting agency section regard request consumer section shall block consumer report maintained consumer reporting agency subsequent use consumer accordance provision subsection section identifies consumer reporting agency information file consumer resulted identity theft b consumer reporting agency reseller identified information notice carrying obligation paragraph reseller shall promptly provide notice consumer decision block file notice shall contain name address telephone number consumer reporting agency consumer information obtained resale e exception verification company provision section apply check service company acting issue authorization purpose approving processing negotiable instrument electronic fund transfer similar method payment except beginning business day receipt information described paragraph subsection section check service company shall report national consumer reporting agency described section p title information identified subject identity theft report resulting identity theft f access blocked information law enforcement agency provision section shall construed requiring consumer reporting agency prevent federal state local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter |
181 | credit_reporting | block except otherwise provided section consumer reporting agency shall block reporting information file consumer consumer identifies information resulted alleged identity theft later business day date receipt agency appropriate proof identity consumer copy identity theft report identification information consumer statement consumer information information relating transaction consumer b notification consumer reporting agency shall promptly notify furnisher information identified consumer subsection section information may result identity theft identity theft report filed block requested section effective date block c authority decline rescind general consumer reporting agency may decline block may rescind block information relating consumer section consumer reporting agency reasonably determines information blocked error block requested consumer error b information blocked block requested consumer basis material misrepresentation fact consumer relevant request block c consumer obtained possession good service money result blocked transaction transaction notification consumer block information declined rescinded subsection affected consumer shall notified promptly manner consumer notified reinsertion information section b title significance block purpose subsection consumer reporting agency rescinds block presence information file consumer prior blocking information evidence whether consumer knew known consumer obtained possession good service money result block exception resellers reseller file section shall apply consumer reporting agency consumer reporting agency reseller b time request consumer subsection section otherwise furnishing reselling consumer report concerning information identified consumer c informs consumer mean consumer may report identity theft bureau obtain consumer information regarding identity theft reseller file sole obligation consumer reporting agency section regard request consumer section shall block consumer report maintained consumer reporting agency subsequent use consumer accordance provision subsection section identifies consumer reporting agency information file consumer resulted identity theft b consumer reporting agency reseller identified information notice carrying obligation paragraph reseller shall promptly provide notice consumer decision block file notice shall contain name address telephone number consumer reporting agency consumer information obtained resale e exception verification company provision section apply check service company acting issue authorization purpose approving processing negotiable instrument electronic fund transfer similar method payment except beginning business day receipt information described paragraph subsection section check service company shall report national consumer reporting agency described section p title information identified subject identity theft report resulting identity theft f access blocked information law enforcement agency provision section shall construed requiring consumer reporting agency prevent federal state local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter according fair credit reporting act section required federal law verify physical verification original signed consumer contract account post credit report otherwise anyone paying reporting service could fax mail email fraudulent account demand see verifiable proof original consumer contract signature file account listed failure positively verify account hurt ability obtain credit fcra unverified account must removed unable provide copy verifiable proof must remove account listed |
182 | credit_reporting | block except otherwise provided section consumer reporting agency shall block reporting information file consumer consumer identifies information resulted alleged identity theft later business day date receipt agency appropriate proof identity consumer copy identity theft report identification information consumer statement consumer information information relating transaction consumer b notification consumer reporting agency shall promptly notify furnisher information identified consumer subsection section information may result identity theft identity theft report filed block requested section effective date block c authority decline rescind general consumer reporting agency may decline block may rescind block information relating consumer section consumer reporting agency reasonably determines information blocked error block requested consumer error b information blocked block requested consumer basis material misrepresentation fact consumer relevant request block c consumer obtained possession good service money result blocked transaction transaction notification consumer block information declined rescinded subsection affected consumer shall notified promptly manner consumer notified reinsertion information section b title significance block purpose subsection consumer reporting agency rescinds block presence information file consumer prior blocking information evidence whether consumer knew known consumer obtained possession good service money result block exception resellers reseller file section shall apply consumer reporting agency consumer reporting agency reseller b time request consumer subsection section otherwise furnishing reselling consumer report concerning information identified consumer c informs consumer mean consumer may report identity theft bureau obtain consumer information regarding identity theft reseller file sole obligation consumer reporting agency section regard request consumer section shall block consumer report maintained consumer reporting agency subsequent use consumer accordance provision subsection section identifies consumer reporting agency information file consumer resulted identity theft b consumer reporting agency reseller identified information notice carrying obligation paragraph reseller shall promptly provide notice consumer decision block file notice shall contain name address telephone number consumer reporting agency consumer information obtained resale e exception verification company provision section apply check service company acting issue authorization purpose approving processing negotiable instrument electronic fund transfer similar method payment except beginning business day receipt information described paragraph subsection section check service company shall report national consumer reporting agency described section p title information identified subject identity theft report resulting identity theft f access blocked information law enforcement agency provision section shall construed requiring consumer reporting agency prevent federal state local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter |
183 | credit_reporting | block except otherwise provided section consumer reporting agency shall block reporting information file consumer consumer identifies information resulted alleged identity theft later business day date receipt agency appropriate proof identity consumer copy identity theft report identification information consumer statement consumer information information relating transaction consumer b notification consumer reporting agency shall promptly notify furnisher information identified consumer subsection section information may result identity theft identity theft report filed block requested section effective date block c authority decline rescind general consumer reporting agency may decline block may rescind block information relating consumer section consumer reporting agency reasonably determines information blocked error block requested consumer error b information blocked block requested consumer basis material misrepresentation fact consumer relevant request block c consumer obtained possession good service money result blocked transaction transaction notification consumer block information declined rescinded subsection affected consumer shall notified promptly manner consumer notified reinsertion information section b title significance block purpose subsection consumer reporting agency rescinds block presence information file consumer prior blocking information evidence whether consumer knew known consumer obtained possession good service money result block exception resellers reseller file section shall apply consumer reporting agency consumer reporting agency reseller b time request consumer subsection section otherwise furnishing reselling consumer report concerning information identified consumer c informs consumer mean consumer may report identity theft bureau obtain consumer information regarding identity theft reseller file sole obligation consumer reporting agency section regard request consumer section shall block consumer report maintained consumer reporting agency subsequent use consumer accordance provision subsection section identifies consumer reporting agency information file consumer resulted identity theft b consumer reporting agency reseller identified information notice carrying obligation paragraph reseller shall promptly provide notice consumer decision block file notice shall contain name address telephone number consumer reporting agency consumer information obtained resale e exception verification company provision section apply check service company acting issue authorization purpose approving processing negotiable instrument electronic fund transfer similar method payment except beginning business day receipt information described paragraph subsection section check service company shall report national consumer reporting agency described section p title information identified subject identity theft report resulting identity theft f access blocked information law enforcement agency provision section shall construed requiring consumer reporting agency prevent federal state local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter according fair credit reporting act section required federal law verify physical verification original signed consumer contract account post credit report otherwise anyone paying reporting service could fax mail email fraudulent account demand see verifiable proof original consumer contract signature file account listed failure positively verify account hurt ability obtain credit fcra unverified account must removed unable provide copy verifiable proof must remove account listed |
184 | credit_reporting | block except otherwise provided section consumer reporting agency shall block reporting information file consumer consumer identifies information resulted alleged identity theft later business day date receipt agency appropriate proof identity consumer copy identity theft report identification information consumer statement consumer information information relating transaction consumer b notification consumer reporting agency shall promptly notify furnisher information identified consumer subsection section information may result identity theft identity theft report filed block requested section effective date block c authority decline rescind general consumer reporting agency may decline block may rescind block information relating consumer section consumer reporting agency reasonably determines information blocked error block requested consumer error b information blocked block requested consumer basis material misrepresentation fact consumer relevant request block c consumer obtained possession good service money result blocked transaction transaction notification consumer block information declined rescinded subsection affected consumer shall notified promptly manner consumer notified reinsertion information section b title significance block purpose subsection consumer reporting agency rescinds block presence information file consumer prior blocking information evidence whether consumer knew known consumer obtained possession good service money result block exception resellers reseller file section shall apply consumer reporting agency consumer reporting agency reseller b time request consumer subsection section otherwise furnishing reselling consumer report concerning information identified consumer c informs consumer mean consumer may report identity theft bureau obtain consumer information regarding identity theft reseller file sole obligation consumer reporting agency section regard request consumer section shall block consumer report maintained consumer reporting agency subsequent use consumer accordance provision subsection section identifies consumer reporting agency information file consumer resulted identity theft b consumer reporting agency reseller identified information notice carrying obligation paragraph reseller shall promptly provide notice consumer decision block file notice shall contain name address telephone number consumer reporting agency consumer information obtained resale e exception verification company provision section apply check service company acting issue authorization purpose approving processing negotiable instrument electronic fund transfer similar method payment except beginning business day receipt information described paragraph subsection section check service company shall report national consumer reporting agency described section p title information identified subject identity theft report resulting identity theft f access blocked information law enforcement agency provision section shall construed requiring consumer reporting agency prevent federal state local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter according fair credit reporting act section required federal law verify physical verification original signed consumer contract account post credit report otherwise anyone paying reporting service could fax mail email fraudulent account demand see verifiable proof original consumer contract signature file account listed failure positively verify account hurt ability obtain credit fcra unverified account must removed unable provide copy verifiable proof must remove account listed |
185 | credit_reporting | block except otherwise provided section consumer reporting agency shall block reporting information file consumer consumer identifies information resulted alleged identity theft later business day date receipt agency appropriate proof identity consumer copy identity theft report identification information consumer statement consumer information information relating transaction consumer b notification consumer reporting agency shall promptly notify furnisher information identified consumer subsection section information may result identity theft identity theft report filed block requested section effective date block c authority decline rescind general consumer reporting agency may decline block may rescind block information relating consumer section consumer reporting agency reasonably determines information blocked error block requested consumer error b information blocked block requested consumer basis material misrepresentation fact consumer relevant request block c consumer obtained possession good service money result blocked transaction transaction notification consumer block information declined rescinded subsection affected consumer shall notified promptly manner consumer notified reinsertion information section b title significance block purpose subsection consumer reporting agency rescinds block presence information file consumer prior blocking information evidence whether consumer knew known consumer obtained possession good service money result block exception resellers reseller file section shall apply consumer reporting agency consumer reporting agency reseller b time request consumer subsection section otherwise furnishing reselling consumer report concerning information identified consumer c informs consumer mean consumer may report identity theft bureau obtain consumer information regarding identity theft reseller file sole obligation consumer reporting agency section regard request consumer section shall block consumer report maintained consumer reporting agency subsequent use consumer accordance provision subsection section identifies consumer reporting agency information file consumer resulted identity theft b consumer reporting agency reseller identified information notice carrying obligation paragraph reseller shall promptly provide notice consumer decision block file notice shall contain name address telephone number consumer reporting agency consumer information obtained resale e exception verification company provision section apply check service company acting issue authorization purpose approving processing negotiable instrument electronic fund transfer similar method payment except beginning business day receipt information described paragraph subsection section check service company shall report national consumer reporting agency described section p title information identified subject identity theft report resulting identity theft f access blocked information law enforcement agency provision section shall construed requiring consumer reporting agency prevent federal state local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter according fair credit reporting act section required federal law verify physical verification original signed consumer contract account post credit report otherwise anyone paying reporting service could fax mail email fraudulent account demand see verifiable proof original consumer contract signature file account listed failure positively verify account hurt ability obtain credit fcra unverified account must removed unable provide copy verifiable proof must remove account listed demand following account verified removed immediately |
186 | credit_reporting | block except otherwise provided section consumer reporting agency shall block reporting information file consumer consumer identifies information resulted alleged identity theft later business day date receipt agency appropriate proof identity consumer copy identity theft report identification information consumer statement consumer information information relating transaction consumer b notification consumer reporting agency shall promptly notify furnisher information identified consumer subsection section information may result identity theft identity theft report filed block requested section effective date block c authority decline rescind general consumer reporting agency may decline block may rescind block information relating consumer section consumer reporting agency reasonably determines information blocked error block requested consumer error b information blocked block requested consumer basis material misrepresentation fact consumer relevant request block c consumer obtained possession good service money result blocked transaction transaction notification consumer block information declined rescinded subsection affected consumer shall notified promptly manner consumer notified reinsertion information section b title significance block purpose subsection consumer reporting agency rescinds block presence information file consumer prior blocking information evidence whether consumer knew known consumer obtained possession good service money result block exception resellers reseller file section shall apply consumer reporting agency consumer reporting agency reseller b time request consumer subsection section otherwise furnishing reselling consumer report concerning information identified consumer c informs consumer mean consumer may report identity theft bureau obtain consumer information regarding identity theft reseller file sole obligation consumer reporting agency section regard request consumer section shall block consumer report maintained consumer reporting agency subsequent use consumer accordance provision subsection section identifies consumer reporting agency information file consumer resulted identity theft b consumer reporting agency reseller identified information notice carrying obligation paragraph reseller shall promptly provide notice consumer decision block file notice shall contain name address telephone number consumer reporting agency consumer information obtained resale e exception verification company provision section apply check service company acting issue authorization purpose approving processing negotiable instrument electronic fund transfer similar method payment except beginning business day receipt information described paragraph subsection section check service company shall report national consumer reporting agency described section p title information identified subject identity theft report resulting identity theft f access blocked information law enforcement agency provision section shall construed requiring consumer reporting agency prevent federal state local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter according fair credit reporting act section required federal law verify physical verification original signed consumer contract account post credit report otherwise anyone paying reporting service could fax mail email fraudulent account demand see verifiable proof original consumer contract signature file account listed failure positively verify account hurt ability obtain credit fcra unverified account must removed unable provide copy verifiable proof must remove account listed |
187 | credit_reporting | block except otherwise provided section consumer reporting agency shall block reporting information file consumer consumer identifies information resulted alleged identity theft later business day date receipt agency appropriate proof identity consumer copy identity theft report identification information consumer statement consumer information information relating transaction consumer b notification consumer reporting agency shall promptly notify furnisher information identified consumer subsection section information may result identity theft identity theft report filed block requested section effective date block c authority decline rescind general consumer reporting agency may decline block may rescind block information relating consumer section consumer reporting agency reasonably determines information blocked error block requested consumer error b information blocked block requested consumer basis material misrepresentation fact consumer relevant request block c consumer obtained possession good service money result blocked transaction transaction notification consumer block information declined rescinded subsection affected consumer shall notified promptly manner consumer notified reinsertion information section b title significance block purpose subsection consumer reporting agency rescinds block presence information file consumer prior blocking information evidence whether consumer knew known consumer obtained possession good service money result block exception resellers reseller file section shall apply consumer reporting agency consumer reporting agency reseller b time request consumer subsection section otherwise furnishing reselling consumer report concerning information identified consumer c informs consumer mean consumer may report identity theft bureau obtain consumer information regarding identity theft reseller file sole obligation consumer reporting agency section regard request consumer section shall block consumer report maintained consumer reporting agency subsequent use consumer accordance provision subsection section identifies consumer reporting agency information file consumer resulted identity theft b consumer reporting agency reseller identified information notice carrying obligation paragraph reseller shall promptly provide notice consumer decision block file notice shall contain name address telephone number consumer reporting agency consumer information obtained resale e exception verification company provision section apply check service company acting issue authorization purpose approving processing negotiable instrument electronic fund transfer similar method payment except beginning business day receipt information described paragraph subsection section check service company shall report national consumer reporting agency described section p title information identified subject identity theft report resulting identity theft f access blocked information law enforcement agency provision section shall construed requiring consumer reporting agency prevent federal state local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter according fair credit reporting act section required federal law verify physical verification original signed consumer contract account post credit report otherwise anyone paying reporting service could fax mail email fraudulent account demand see verifiable proof original consumer contract signature file account listed failure positively verify account hurt ability obtain credit fcra unverified account must removed unable provide copy verifiable proof must remove account listed |
188 | credit_reporting | block except otherwise provided section consumer reporting agency shall block reporting information file consumer consumer identifies information resulted alleged identity theft later business day date receipt agency appropriate proof identity consumer copy identity theft report identification information consumer statement consumer information information relating transaction consumer b notification consumer reporting agency shall promptly notify furnisher information identified consumer subsection section information may result identity theft identity theft report filed block requested section effective date block c authority decline rescind general consumer reporting agency may decline block may rescind block information relating consumer section consumer reporting agency reasonably determines information blocked error block requested consumer error b information blocked block requested consumer basis material misrepresentation fact consumer relevant request block c consumer obtained possession good service money result blocked transaction transaction notification consumer block information declined rescinded subsection affected consumer shall notified promptly manner consumer notified reinsertion information section b title significance block purpose subsection consumer reporting agency rescinds block presence information file consumer prior blocking information evidence whether consumer knew known consumer obtained possession good service money result block exception resellers reseller file section shall apply consumer reporting agency consumer reporting agency reseller b time request consumer subsection section otherwise furnishing reselling consumer report concerning information identified consumer c informs consumer mean consumer may report identity theft bureau obtain consumer information regarding identity theft reseller file sole obligation consumer reporting agency section regard request consumer section shall block consumer report maintained consumer reporting agency subsequent use consumer accordance provision subsection section identifies consumer reporting agency information file consumer resulted identity theft b consumer reporting agency reseller identified information notice carrying obligation paragraph reseller shall promptly provide notice consumer decision block file notice shall contain name address telephone number consumer reporting agency consumer information obtained resale e exception verification company provision section apply check service company acting issue authorization purpose approving processing negotiable instrument electronic fund transfer similar method payment except beginning business day receipt information described paragraph subsection section check service company shall report national consumer reporting agency described section p title information identified subject identity theft report resulting identity theft f access blocked information law enforcement agency provision section shall construed requiring consumer reporting agency prevent federal state local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter according fair credit reporting act section required federal law verify physical verification original signed consumer contract account post credit report otherwise anyone paying reporting service could fax mail email fraudulent account demand see verifiable proof original consumer contract signature file account listed failure positively verify account hurt ability obtain credit fcra unverified account must removed unable provide copy verifiable proof must remove account listed demand following account verified removed immediately |
189 | credit_reporting | block except otherwise provided section consumer reporting agency shall block reporting information file consumer consumer identifies information resulted alleged identity theft later business day date receipt agency appropriate proof identity consumer copy identity theft report identification information consumer statement consumer information information relating transaction consumer b notification consumer reporting agency shall promptly notify furnisher information identified consumer subsection section information may result identity theft identity theft report filed block requested section effective date block c authority decline rescind general consumer reporting agency may decline block may rescind block information relating consumer section consumer reporting agency reasonably determines information blocked error block requested consumer error b information blocked block requested consumer basis material misrepresentation fact consumer relevant request block c consumer obtained possession good service money result blocked transaction transaction notification consumer block information declined rescinded subsection affected consumer shall notified promptly manner consumer notified reinsertion information section b title significance block purpose subsection consumer reporting agency rescinds block presence information file consumer prior blocking information evidence whether consumer knew known consumer obtained possession good service money result block exception resellers reseller file section shall apply consumer reporting agency consumer reporting agency reseller b time request consumer subsection section otherwise furnishing reselling consumer report concerning information identified consumer c informs consumer mean consumer may report identity theft bureau obtain consumer information regarding identity theft reseller file sole obligation consumer reporting agency section regard request consumer section shall block consumer report maintained consumer reporting agency subsequent use consumer accordance provision subsection section identifies consumer reporting agency information file consumer resulted identity theft b consumer reporting agency reseller identified information notice carrying obligation paragraph reseller shall promptly provide notice consumer decision block file notice shall contain name address telephone number consumer reporting agency consumer information obtained resale e exception verification company provision section apply check service company acting issue authorization purpose approving processing negotiable instrument electronic fund transfer similar method payment except beginning business day receipt information described paragraph subsection section check service company shall report national consumer reporting agency described section p title information identified subject identity theft report resulting identity theft f access blocked information law enforcement agency provision section shall construed requiring consumer reporting agency prevent federal state local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access thissubchapter according fair credit reporting act section required federal law verify physical verification original signed consumer contract account post credit report otherwise anyone paying reporting service could fax mail email fraudulent account demand see verifiable proof original consumer contract signature file account listed failure positively verify account hurt ability obtain credit fcra unverified account must removed unable provide copy verifiable proof must remove account listed |
190 | credit_reporting | block except otherwise provided section consumer reporting agency shall block reporting information file consumer consumer identifies information resulted alleged identity theft later business day date receipt agency appropriate proof identity consumer copy identity theft report identification information consumer statement consumer information information relating transaction consumer b notification consumer reporting agency shall promptly notify furnisher information identified consumer subsection section information may result identity theft identity theft report filed block requested section effective date block c authority decline rescind general consumer reporting agency may decline block may rescind block information relating consumer section consumer reporting agency reasonably determines information blocked error block requested consumer error b information blocked block requested consumer basis material misrepresentation fact consumer relevant request block c consumer obtained possession good service money result blocked transaction transaction notification consumer block information declined rescinded subsection affected consumer shall notified promptly manner consumer notified reinsertion information section b title significance block purpose subsection consumer reporting agency rescinds block presence information file consumer prior blocking information evidence whether consumer knew known consumer obtained possession good service money result block exception resellers reseller file section shall apply consumer reporting agency consumer reporting agency reseller b time request consumer subsection section otherwise furnishing reselling consumer report concerning information identified consumer c informs consumer mean consumer may report identity theft bureau obtain consumer information regarding identity theft reseller file sole obligation consumer reporting agency section regard request consumer section shall block consumer report maintained consumer reporting agency subsequent use consumer accordance provision subsection section identifies consumer reporting agency information file consumer resulted identity theft b consumer reporting agency reseller identified information notice carrying obligation paragraph reseller shall promptly provide notice consumer decision block file notice shall contain name address telephone number consumer reporting agency consumer information obtained resale e exception verification company provision section apply check service company acting issue authorization purpose approving processing negotiable instrument electronic fund transfer similar method payment except beginning business day receipt information described paragraph subsection section check service company shall report national consumer reporting agency described section p title information identified subject identity theft report resulting identity theft f access blocked information law enforcement agency provision section shall construed requiring consumer reporting agency prevent federal state local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter according fair credit reporting act section required federal law verify physical verification original signed consumer contract account post credit report otherwise anyone paying reporting service could fax mail email fraudulent account demand see verifiable proof original consumer contract signature file account listed failure positively verify account hurt ability obtain credit fcra unverified account must removed unable provide copy verifiable proof must remove account listed |
191 | credit_reporting | block except otherwise provided section consumer reporting agency shall block reporting information file consumer consumer identifies information resulted alleged identity theft later business day date receipt agency appropriate proof identity consumer copy identity theft report identification information consumer statement consumer information information relating transaction consumer b notification consumer reporting agency shall promptly notify furnisher information identified consumer subsection section information may result identity theft identity theft report filed block requested section effective date block c authority decline rescind general consumer reporting agency may decline block may rescind block information relating consumer section consumer reporting agency reasonably determines information blocked error block requested consumer error b information blocked block requested consumer basis material misrepresentation fact consumer relevant request block c consumer obtained possession good service money result blocked transaction transaction notification consumer block information declined rescinded subsection affected consumer shall notified promptly manner consumer notified reinsertion information section b title significance block purpose subsection consumer reporting agency rescinds block presence information file consumer prior blocking information evidence whether consumer knew known consumer obtained possession good service money result block exception resellers reseller file section shall apply consumer reporting agency consumer reporting agency reseller b time request consumer subsection section otherwise furnishing reselling consumer report concerning information identified consumer c informs consumer mean consumer may report identity theft bureau obtain consumer information regarding identity theft reseller file sole obligation consumer reporting agency section regard request consumer section shall block consumer report maintained consumer reporting agency subsequent use consumer accordance provision subsection section identifies consumer reporting agency information file consumer resulted identity theft b consumer reporting agency reseller identified information notice carrying obligation paragraph reseller shall promptly provide notice consumer decision block file notice shall contain name address telephone number consumer reporting agency consumer information obtained resale e exception verification company provision section apply check service company acting issue authorization purpose approving processing negotiable instrument electronic fund transfer similar method payment except beginning business day receipt information described paragraph subsection section check service company shall report national consumer reporting agency described section p title information identified subject identity theft report resulting identity theft f access blocked information law enforcement agency provision section shall construed requiring consumer reporting agency prevent federal state local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter according fair credit reporting act section required federal law verify physical verification original signed consumer contract account post credit report otherwise anyone paying reporting service could fax mail email fraudulent account demand see verifiable proof original consumer contract signature file account listed failure positively verify account hurt ability obtain credit fcra unverified account must removed unable provide copy verifiable proof must remove account listed demand following account verified removed immediately |
192 | credit_reporting | block except otherwise provided section consumer reporting agency shall block reporting information file consumer consumer identifies information resulted alleged identity theft later business day date receipt agency appropriate proof identity consumer copy identity theft report identification information consumer statement consumer information information relating transaction consumer b notification consumer reporting agency shall promptly notify furnisher information identified consumer subsection section information may result identity theft identity theft report filed block requested section effective date block c authority decline rescind general consumer reporting agency may decline block may rescind block information relating consumer section consumer reporting agency reasonably determines information blocked error block requested consumer error b information blocked block requested consumer basis material misrepresentation fact consumer relevant request block c consumer obtained possession good service money result blocked transaction transaction notification consumer block information declined rescinded subsection affected consumer shall notified promptly manner consumer notified reinsertion information section b title significance block purpose subsection consumer reporting agency rescinds block presence information file consumer prior blocking information evidence whether consumer knew known consumer obtained possession good service money result block exception resellers reseller file section shall apply consumer reporting agency consumer reporting agency reseller b time request consumer subsection section otherwise furnishing reselling consumer report concerning information identified consumer c informs consumer mean consumer may report identity theft bureau obtain consumer information regarding identity theft reseller file sole obligation consumer reporting agency section regard request consumer section shall block consumer report maintained consumer reporting agency subsequent use consumer accordance provision subsection section identifies consumer reporting agency information file consumer resulted identity theft b consumer reporting agency reseller identified information notice carrying obligation paragraph reseller shall promptly provide notice consumer decision block file notice shall contain name address telephone number consumer reporting agency consumer information obtained resale e exception verification company provision section apply check service company acting issue authorization purpose approving processing negotiable instrument electronic fund transfer similar method payment except beginning business day receipt information described paragraph subsection section check service company shall report national consumer reporting agency described section p title information identified subject identity theft report resulting identity theft f access blocked information law enforcement agency provision section shall construed requiring consumer reporting agency prevent federal state local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter according fair credit reporting act section required federal law verify physical verification original signed consumer contract account post credit report otherwise anyone paying reporting service could fax mail email fraudulent account demand see verifiable proof original consumer contract signature file account listed failure positively verify account hurt ability obtain credit fcra unverified account must removed unable provide copy verifiable proof must remove account listed demand following account verified removed immediately |
193 | credit_reporting | block except otherwise provided section consumer reporting agency shall block reporting information file consumer consumer identifies information resulted alleged identity theft later business day date receipt agency appropriate proof identity consumer copy identity theft report identification information consumer statement consumer information information relating transaction consumer b notification consumer reporting agency shall promptly notify furnisher information identified consumer subsection section information may result identity theft identity theft report filed block requested section effective date block c authority decline rescind general consumer reporting agency may decline block may rescind block information relating consumer section consumer reporting agency reasonably determines information blocked error block requested consumer error b information blocked block requested consumer basis material misrepresentation fact consumer relevant request block c consumer obtained possession good service money result blocked transaction transaction notification consumer block information declined rescinded subsection affected consumer shall notified promptly manner consumer notified reinsertion information section b title significance block purpose subsection consumer reporting agency rescinds block presence information file consumer prior blocking information evidence whether consumer knew known consumer obtained possession good service money result block exception resellers reseller file section shall apply consumer reporting agency consumer reporting agency reseller b time request consumer subsection section otherwise furnishing reselling consumer report concerning information identified consumer c informs consumer mean consumer may report identity theft bureau obtain consumer information regarding identity theft reseller file sole obligation consumer reporting agency section regard request consumer section shall block consumer report maintained consumer reporting agency subsequent use consumer accordance provision subsection section identifies consumer reporting agency information file consumer resulted identity theft b consumer reporting agency reseller identified information notice carrying obligation paragraph reseller shall promptly provide notice consumer decision block file notice shall contain name address telephone number consumer reporting agency consumer information obtained resale e exception verification company provision section apply check service company acting issue authorization purpose approving processing negotiable instrument electronic fund transfer similar method payment except beginning business day receipt information described paragraph subsection section check service company shall report national consumer reporting agency described section p title information identified subject identity theft report resulting identity theft f access blocked information law enforcement agency provision section shall construed requiring consumer reporting agency prevent federal state local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter according fair credit reporting act section required federal law verify physical verification original signed consumer contract account post credit report otherwise anyone paying reporting service could fax mail email fraudulent account demand see verifiable proof original consumer contract signature file account listed failure positively verify account hurt ability obtain credit fcra unverified account must removed unable provide copy verifiable proof must remove account listed demand following account verified removed immediately |
194 | credit_reporting | block except otherwise provided section consumer reporting agency shall block reporting information file consumer consumer identifies information resulted alleged identity theft later business day date receipt agency appropriate proof identity consumer copy identity theft report identification information consumer statement consumer information information relating transaction consumer b notification consumer reporting agency shall promptly notify furnisher information identified consumer subsection section information may result identity theft identity theft report filed block requested section effective date block c authority decline rescind general consumer reporting agency may decline block may rescind block information relating consumer section consumer reporting agency reasonably determines information blocked error block requested consumer error b information blocked block requested consumer basis material misrepresentation fact consumer relevant request block c consumer obtained possession good service money result blocked transaction transaction notification consumer block information declined rescinded subsection affected consumer shall notified promptly manner consumer notified reinsertion information section b title significance block purpose subsection consumer reporting agency rescinds block presence information file consumer prior blocking information evidence whether consumer knew known consumer obtained possession good service money result block exception resellers reseller file section shall apply consumer reporting agency consumer reporting agency reseller b time request consumer subsection section otherwise furnishing reselling consumer report concerning information identified consumer c informs consumer mean consumer may report identity theft bureau obtain consumer information regarding identity theft reseller file sole obligation consumer reporting agency section regard request consumer section shall block consumer report maintained consumer reporting agency subsequent use consumer accordance provision subsection section identifies consumer reporting agency information file consumer resulted identity theft b consumer reporting agency reseller identified information notice carrying obligation paragraph reseller shall promptly provide notice consumer decision block file notice shall contain name address telephone number consumer reporting agency consumer information obtained resale e exception verification company provision section apply check service company acting issue authorization purpose approving processing negotiable instrument electronic fund transfer similar method payment except beginning business day receipt information described paragraph subsection section check service company shall report national consumer reporting agency described section p title information identified subject identity theft report resulting identity theft f access blocked information law enforcement agency provision section shall construed requiring consumer reporting agency prevent federal state local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter according fair credit reporting act section required federal law verify physical verification original signed consumer contract account post credit report otherwise anyone paying reporting service could fax mail email fraudulent account demand see verifiable proof original consumer contract signature file account listed failure positively verify account hurt ability obtain credit fcra unverified account must removed unable provide copy verifiable proof must remove account listed demand following account verified removed immediately |
195 | credit_reporting | block except otherwise provided section consumer reporting agency shall block reporting information file consumer consumer identifies information resulted alleged identity theft later business day date receipt agency appropriate proof identity consumer copy identity theft report identification information consumer statement consumer information information relating transaction consumer b notification consumer reporting agency shall promptly notify furnisher information identified consumer subsection section information may result identity theft identity theft report filed block requested section effective date block c authority decline rescind general consumer reporting agency may decline block may rescind block information relating consumer section consumer reporting agency reasonably determines information blocked error block requested consumer error b information blocked block requested consumer basis material misrepresentation fact consumer relevant request block c consumer obtained possession good service money result blocked transaction transaction notification consumer block information declined rescinded subsection affected consumer shall notified promptly manner consumer notified reinsertion information section b title significance block purpose subsection consumer reporting agency rescinds block presence information file consumer prior blocking information evidence whether consumer knew known consumer obtained possession good service money result block exception resellers reseller file section shall apply consumer reporting agency consumer reporting agency reseller b time request consumer subsection section otherwise furnishing reselling consumer report concerning information identified consumer c informs consumer mean consumer may report identity theft bureau obtain consumer information regarding identity theft reseller file sole obligation consumer reporting agency section regard request consumer section shall block consumer report maintained consumer reporting agency subsequent use consumer accordance provision subsection section identifies consumer reporting agency information file consumer resulted identity theft b consumer reporting agency reseller identified information notice carrying obligation paragraph reseller shall promptly provide notice consumer decision block file notice shall contain name address telephone number consumer reporting agency consumer information obtained resale e exception verification company provision section apply check service company acting issue authorization purpose approving processing negotiable instrument electronic fund transfer similar method payment except beginning business day receipt information described paragraph subsection section check service company shall report national consumer reporting agency described section p title information identified subject identity theft report resulting identity theft f access blocked information law enforcement agency provision section shall construed requiring consumer reporting agency prevent federal state local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter |
196 | credit_reporting | block except otherwise provided section consumer reporting agency shall block reporting information file consumer consumer identifies information resulted alleged identity theft later business day date receipt agency appropriate proof identity consumer copy identity theft report identification information consumer statement consumer information information relating transaction consumer b notification consumer reporting agency shall promptly notify furnisher information identified consumer subsection section information may result identity theft identity theft report filed block requested section effective date block c authority decline rescind general consumer reporting agency may decline block may rescind block information relating consumer section consumer reporting agency reasonably determines information blocked error block requested consumer error b information blocked block requested consumer basis material misrepresentation fact consumer relevant request block c consumer obtained possession good service money result blocked transaction transaction notification consumer block information declined rescinded subsection affected consumer shall notified promptly manner consumer notified reinsertion information section b title significance block purpose subsection consumer reporting agency rescinds block presence information file consumer prior blocking information evidence whether consumer knew known consumer obtained possession good service money result block exception resellers reseller file section shall apply consumer reporting agency consumer reporting agency reseller b time request consumer subsection section otherwise furnishing reselling consumer report concerning information identified consumer c informs consumer mean consumer may report identity theft bureau obtain consumer information regarding identity theft reseller file sole obligation consumer reporting agency section regard request consumer section shall block consumer report maintained consumer reporting agency subsequent use consumer accordance provision subsection section identifies consumer reporting agency information file consumer resulted identity theft b consumer reporting agency reseller identified information notice carrying obligation paragraph reseller shall promptly provide notice consumer decision block file notice shall contain name address telephone number consumer reporting agency consumer information obtained resale e exception verification company provision section apply check service company acting issue authorization purpose approving processing negotiable instrument electronic fund transfer similar method payment except beginning business day receipt information described paragraph subsection section check service company shall report national consumer reporting agency described section p title information identified subject identity theft report resulting identity theft f access blocked information law enforcement agency provision section shall construed requiring consumer reporting agency prevent federal state local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter according fair credit reporting act section required federal law verify physical verification original signed consumer contract account post credit report otherwise anyone paying reporting service could fax mail email fraudulent account demand see verifiable proof original consumer contract signature file account listed failure positively verify account hurt ability obtain credit fcra unverified account must removed unable provide copy verifiable proof must remove account listed demand following account verified removed immediately |
197 | credit_reporting | block except otherwise provided section consumer reporting agency shall block reporting information file consumer consumer identifies information resulted alleged identity theft later business day date receipt agency appropriate proof identity consumer copy identity theft report identification information consumer statement consumer information information relating transaction consumer b notification consumer reporting agency shall promptly notify furnisher information identified consumer subsection section information may result identity theft identity theft report filed block requested section effective date block c authority decline rescind general consumer reporting agency may decline block may rescind block information relating consumer section consumer reporting agency reasonably determines information blocked error block requested consumer error b information blocked block requested consumer basis material misrepresentation fact consumer relevant request block c consumer obtained possession good service money result blocked transaction transaction notification consumer block information declined rescinded subsection affected consumer shall notified promptly manner consumer notified reinsertion information section b title significance block purpose subsection consumer reporting agency rescinds block presence information file consumer prior blocking information evidence whether consumer knew known consumer obtained possession good service money result block exception resellers reseller file section shall apply consumer reporting agency consumer reporting agency reseller b time request consumer subsection section otherwise furnishing reselling consumer report concerning information identified consumer c informs consumer mean consumer may report identity theft bureau obtain consumer information regarding identity theft reseller file sole obligation consumer reporting agency section regard request consumer section shall block consumer report maintained consumer reporting agency subsequent use consumer accordance provision subsection section identifies consumer reporting agency information file consumer resulted identity theft b consumer reporting agency reseller identified information notice carrying obligation paragraph reseller shall promptly provide notice consumer decision block file notice shall contain name address telephone number consumer reporting agency consumer information obtained resale e exception verification company provision section apply check service company acting issue authorization purpose approving processing negotiable instrument electronic fund transfer similar method payment except beginning business day receipt information described paragraph subsection section check service company shall report national consumer reporting agency described section p title information identified subject identity theft report resulting identity theft f access blocked information law enforcement agency provision section shall construed requiring consumer reporting agency prevent federal state local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter according fair credit reporting act section required federal law verify physical verification original signed consumer contract account post credit report otherwise anyone paying reporting service could fax mail email fraudulent account demand see verifiable proof original consumer contract signature file account listed failure positively verify account hurt ability obtain credit fcra unverified account must removed unable provide copy verifiable proof must remove account listed |
198 | credit_reporting | block except otherwise provided section consumer reporting agency shall block reporting information file consumer consumer identifies information resulted alleged identity theft later business day date receipt agency appropriate proof identity consumer copy identity theft report identification information consumer statement consumer information information relating transaction consumer b notification consumer reporting agency shall promptly notify furnisher information identified consumer subsection section information may result identity theft identity theft report filed block requested section effective date block c authority decline rescind general consumer reporting agency may decline block may rescind block information relating consumer section consumer reporting agency reasonably determines information blocked error block requested consumer error b information blocked block requested consumer basis material misrepresentation fact consumer relevant request block c consumer obtained possession good service money result blocked transaction transaction notification consumer block information declined rescinded subsection affected consumer shall notified promptly manner consumer notified reinsertion information section b title significance block purpose subsection consumer reporting agency rescinds block presence information file consumer prior blocking information evidence whether consumer knew known consumer obtained possession good service money result block exception resellers reseller file section shall apply consumer reporting agency consumer reporting agency reseller b time request consumer subsection section otherwise furnishing reselling consumer report concerning information identified consumer c informs consumer mean consumer may report identity theft bureau obtain consumer information regarding identity theft reseller file sole obligation consumer reporting agency section regard request consumer section shall block consumer report maintained consumer reporting agency subsequent use consumer accordance provision subsection section identifies consumer reporting agency information file consumer resulted identity theft b consumer reporting agency reseller identified information notice carrying obligation paragraph reseller shall promptly provide notice consumer decision block file notice shall contain name address telephone number consumer reporting agency consumer information obtained resale e exception verification company provision section apply check service company acting issue authorization purpose approving processing negotiable instrument electronic fund transfer similar method payment except beginning business day receipt information described paragraph subsection section check service company shall report national consumer reporting agency described section p title information identified subject identity theft report resulting identity theft f access blocked information law enforcement agency provision section shall construed requiring consumer reporting agency prevent federal state local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter according fair credit reporting act section required federal law verify physical verification original signed consumer contract account post credit report otherwise anyone paying reporting service could fax mail email fraudulent account demand see verifiable proof original consumer contract signature file account listed failure positively verify account hurt ability obtain credit fcra unverified account must removed unable provide copy verifiable proof must remove account listed demand following account verified removed immediately |
199 | credit_reporting | block except otherwise provided section consumer reporting agency shall block reporting information file consumer consumer identifies information resulted alleged identity theft later business day date receipt agency appropriate proof identity consumer copy identity theft report identification information consumer statement consumer information information relating transaction consumer b notification consumer reporting agency shall promptly notify furnisher information identified consumer subsection section information may result identity theft identity theft report filed block requested section effective date block c authority decline rescind general consumer reporting agency may decline block may rescind block information relating consumer section consumer reporting agency reasonably determines information blocked error block requested consumer error b information blocked block requested consumer basis material misrepresentation fact consumer relevant request block c consumer obtained possession good service money result blocked transaction transaction notification consumer block information declined rescinded subsection affected consumer shall notified promptly manner consumer notified reinsertion information section b title significance block purpose subsection consumer reporting agency rescinds block presence information file consumer prior blocking information evidence whether consumer knew known consumer obtained possession good service money result block exception resellers reseller file section shall apply consumer reporting agency consumer reporting agency reseller b time request consumer subsection section otherwise furnishing reselling consumer report concerning information identified consumer c informs consumer mean consumer may report identity theft bureau obtain consumer information regarding identity theft reseller file sole obligation consumer reporting agency section regard request consumer section shall block consumer report maintained consumer reporting agency subsequent use consumer accordance provision subsection section identifies consumer reporting agency information file consumer resulted identity theft b consumer reporting agency reseller identified information notice carrying obligation paragraph reseller shall promptly provide notice consumer decision block file notice shall contain name address telephone number consumer reporting agency consumer information obtained resale e exception verification company provision section apply check service company acting issue authorization purpose approving processing negotiable instrument electronic fund transfer similar method payment except beginning business day receipt information described paragraph subsection section check service company shall report national consumer reporting agency described section p title information identified subject identity theft report resulting identity theft f access blocked information law enforcement agency provision section shall construed requiring consumer reporting agency prevent federal state local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter |