Datasets:

PaawanPurdhani

/

Complaints

like 0

credit_reporting

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 result identity theft identity theft report filed block requested section effective date block c decline rescind general consumer reporting agency decline block 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possession good service money result blocked transaction transaction notification consumer block information declined rescinded subsection affected consumer shall notified promptly manner consumer notified reinsertion information section b title significance block purpose subsection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 report identity theft 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 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 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 local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter

credit_reporting

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 result identity theft identity theft report filed block requested section effective date block c decline rescind general consumer reporting agency decline block 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 report identity theft 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 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 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 local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter

credit_reporting

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 result identity theft identity theft report filed block requested section effective date block c decline rescind general consumer reporting agency decline block 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 report identity theft 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 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 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 local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter

credit_reporting

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 result identity theft identity theft report filed block requested section effective date block c decline rescind general consumer reporting agency decline block 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 report identity theft 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 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 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 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 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

credit_reporting

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 result identity theft identity theft report filed block requested section effective date block c decline rescind general consumer reporting agency decline block 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 report identity theft 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 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 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 local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter

credit_reporting

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 result identity theft identity theft report filed block requested section effective date block c decline rescind general consumer reporting agency decline block 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 report identity theft 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 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 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 local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter

credit_reporting

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 result identity theft identity theft report filed block requested section effective date block c decline rescind general consumer reporting agency decline block 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 report identity theft 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 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 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 local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter

credit_reporting

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 result identity theft identity theft report filed block requested section effective date block c decline rescind general consumer reporting agency decline block 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 report identity theft 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 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 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 local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter

credit_reporting

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 result identity theft identity theft report filed block requested section effective date block c decline rescind general consumer reporting agency decline block 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 report identity theft 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 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 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 local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter

credit_reporting

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 result identity theft identity theft report filed block requested section effective date block c decline rescind general consumer reporting agency decline block 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 report identity theft 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 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 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 local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter

credit_reporting

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 result identity theft identity theft report filed block requested section effective date block c decline rescind general consumer reporting agency decline block 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 report identity theft 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 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 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 local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter

credit_reporting

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 result identity theft identity theft report filed block requested section effective date block c decline rescind general consumer reporting agency decline block 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 report identity theft 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 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 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 local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter

credit_reporting

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 result identity theft identity theft report filed block requested section effective date block c decline rescind general consumer reporting agency decline block 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 report identity theft 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 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 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 local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter

credit_reporting

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 result identity theft identity theft report filed block requested section effective date block c decline rescind general consumer reporting agency decline block 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 report identity theft 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 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 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 local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter

credit_reporting

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 result identity theft identity theft report filed block requested section effective date block c decline rescind general consumer reporting agency decline block 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 report identity theft 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 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 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 local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter

credit_reporting

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 result identity theft identity theft report filed block requested section effective date block c decline rescind general consumer reporting agency decline block 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 report identity theft 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 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 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 local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter

credit_reporting

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 result identity theft identity theft report filed block requested section effective date block c decline rescind general consumer reporting agency decline block 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 report identity theft 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 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 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 local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter

credit_reporting

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 result identity theft identity theft report filed block requested section effective date block c decline rescind general consumer reporting agency decline block 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 report identity theft 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 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 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 local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter

credit_reporting

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 result identity theft identity theft report filed block requested section effective date block c decline rescind general consumer reporting agency decline block 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 report identity theft 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 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 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 local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter

credit_reporting

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 result identity theft identity theft report filed block requested section effective date block c decline rescind general consumer reporting agency decline block 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 report identity theft 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 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 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 local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter

credit_reporting

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 result identity theft identity theft report filed block requested section effective date block c decline rescind general consumer reporting agency decline block 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 report identity theft 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 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 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 local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter

credit_reporting

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 result identity theft identity theft report filed block requested section effective date block c decline rescind general consumer reporting agency decline block 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 report identity theft 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 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 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 local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter

credit_reporting

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 result identity theft identity theft report filed block requested section effective date block c decline rescind general consumer reporting agency decline block 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 report identity theft 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 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 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 local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter

credit_reporting

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 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 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 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 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

credit_reporting

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 result identity theft identity theft report filed block requested section effective date block c decline rescind general consumer reporting agency decline block 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 report identity theft 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 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 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 local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter

credit_reporting

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 result identity theft identity theft report filed block requested section effective date block c decline rescind general consumer reporting agency decline block 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 report identity theft 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 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 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 local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter

credit_reporting

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 result identity theft identity theft report filed block requested section effective date block c decline rescind general consumer reporting agency decline block 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 report identity theft 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 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 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 local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter

credit_reporting

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 result identity theft identity theft report filed block requested section effective date block c decline rescind general consumer reporting agency decline block 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 report identity theft 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 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 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 local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter

credit_reporting

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 result identity theft identity theft report filed block requested section effective date block c decline rescind general consumer reporting agency decline block 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 report identity theft 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 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 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 local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter

credit_reporting

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 result identity theft identity theft report filed block requested section effective date block c decline rescind general consumer reporting agency decline block 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 report identity theft 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 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 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 local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter

credit_reporting

amerinational commun reporting late payment credit report couple error credit report late payment late payment also balace day late credit profile never missed payment

debt_collection

ar account resolution svs licensed collect debt state florida

credit_reporting

bankruptcy account may concern received copy credit report item listed included bankruptcy identified credit report please see attached copy court document list creditor included bankruptcy according provision fair credit reporting act usc disputed item must updated reflect discharge bankruptcy requesting updated copy credit report sent address listed according provision usc charge report question need additional information please contact address listed thank sincerely florida ssn

credit_reporting

bankruptcy account may concern received copy credit report item listed included bankruptcy identified credit report please see attached copy court document list creditor included bankruptcy according provision fair credit reporting act usc disputed item must updated reflect discharge bankruptcy requesting updated copy credit report sent address listed according provision usc charge report question need additional information please contact address listed thank sincerely florida ssn

retail_banking

layout format previous submission messy resubmit put content pdf attachment complaint boa alleged abuse discretion systemic discrimination im resident u believe nothing wrong bank america misleading sale abuse discretion possible systematic discrimination ethnic minority five boa account closed difficult pandemic time cant pay online go solve various financial shopping issue family regardless risk area highest number infected state especially simply searched inquired complaint data boa suspect boa systematic discrimination disadvantaged customer group malicious abuse discretionary power granted law maximize boa minimize risk deliberately harm interest customer similar discrimination case layout format previous submission messy resubmit put content pdf attachment

credit_reporting

collection agency placed collection credit report fraudulent activity victim identity theft year contacted collection agency original creditor explained transferred several time disrespected customer service rep explaining situation wrong person company unprofessional also sent copy police report also file cfpb ftc unacceptable

debt_collection

creditor sent bill enhanced recovery collection fl phone number sent collection amount intent pay bill removed credit report saying record bill called enhanced recovery collection phone voice mail full unable leave message service opened

credit_card

detailed document uploaded cfpb complaint synchrony background opened account replace carpet home made purchase ca salesperson directed obtain account financing turned essentially renting carpet per month balance reduction credit account month perfect payment history payment towards initial credit line something clearly wrong two synchrony retail account similar perfect payment history balance care credit amazon shopping card issue balance reducing initial credit line made total monthly payment since account opening credit line yet balance reported balance reduction recognition month minimum payment jumped charged usurious interest retroactively credit line reduced false accusation late payment credit line reduction put negative status forcing make additional payment get credit line credit line reduction forced account utilization negatively impacting fico credit scoring purchase total purchase interest charge lump sum hit total retroactive interest charged payment history total monthly payment made credit line repaid yet initial credit line account balance still owed

credit_reporting

experian dropped credit score point without reason unusual action happened explain big decrease credit score late payment hard soft inquiry happened called experian customer service day help understand drop happened called asked customer service representative explain dont clear answer gaves example boost credit score didnt explain answer question credit score decreased asked find financial advisor asked fill complaint case put hold finally told receive confirmation email shortly till time filling complaint didnt receive email confirming complaint experian even explain happened credit score concern understand credit score dropped least avoid reapet mistake found future reason decrease happened mistake experian want get back point lost credit score attached complaint screen shot account experian showing payment time consistently month showing also credit score dropped end point comparing month considering inquiry accured report period

mortgages_and_loans

home refinance loan applied ii citibank requested front fee iii borrower paid fee iv citibak delayed process loan provided borrower forced withdrawal application v borrower asked refund fee vi borrower application expense totaled

credit_reporting

several inquires credit file someone use identity summited fraudulent application name also open several fraudulent account second time disputing information rep told several time receive information sent certified mail making complaint writing request initiate formal complaint experian cras mailed experian block fraudulent information reported account victim identity theft attached unwilling unable conduct adequate investigation failed refused block usage fraudulent account reported please contact agency initiate formal investigation possible violation fair credit reporting act fair debt collection practice act also contacting attorney general possible violation law

credit_reporting

several inquires credit file someone use identity summited fraudulent application name also open several fraudulent account second time disputing information rep told several time receive information sent certified mail making complaint writing request initiate formal complaint equifax cras mailed equifax block fraudulent information reported account victim identity theft attached unwilling unable conduct adequate investigation failed refused block usage fraudulent account reported please contact agency initiate formal investigation possible violation fair credit reporting act fair debt collection practice act also contacting attorney general possible violation law

credit_reporting

several inquires credit file someone use identity summited fraudulent application name also open several fraudulent account second time disputing information rep told several time receive information sent certified mail making complaint writing request initiate formal complaint transunion mailed transunion block fraudulent information reported account victim identity theft attached unwilling unable conduct adequate investigation failed refused block usage fraudulent account reported please contact agency initiate formal investigation possible violation fair credit reporting act fair debt collection practice act also contacting attorney general postal inspection service possible violation law

mortgages_and_loans

initial request net credit please see attached credit report advised score dropped point error processing day past due addition please see attached screen shot taken via credit monitoring via please expedite correction scheduled refinance primary residence note netcredit reporting current via pdf report attachment however red exclamation point reflects updated discrepancy however pdf report please escalate first response please see attached ledger paid payment paid payment reading email correspondence regarding investigation request sure internal system reflect payment received day past due please see attached transaction summary validating payment fact made timely manner customer service representative communicated could see payment made processed month manager calling within hour address concern spoke two service representative spoke manager collection friday communicated late per account assessment score horrific result egregious error would obliged channel escalate concern highest level management courtesy process refinancing property next month job interview require consumer reporting evaluation prior securing based documentation submitted review determined paid installment thirteen due account became thirty day past due payment satisfied reported loan credit reporting agency time installment fourteen due paid second request may concern made payment however considered past due according credit rating severely affected sure causing root cause behind concern circumstance occurred last month corrected case escalated aware grace period per several conversation customer care management team account thank recent card payment loan payment effective applied balance loan card payment initiated yet cleared payment clear payment posted account removed continue owe note receive day late penalty either made payment within grace period per contract expertise regarding matter greatly appreciated next payment due amount please correct error second time happened concern continue occur payment paid prior late payment fee assessed grace period expiration fortunate several credit monitoring platform identified error would considered two month behind unable refinance residence last month net credit must wait note yet receive formal response regarding error corresponding customer care professional also understand past due reading internal note

mortgages_and_loans

earlier complaint somehow got lost received car loan county paid bank recognized payoff county clerk office auto title still record clear title two branch contacted least time get apology action give result likewise county clerk office please help

credit_reporting

note listed wrong credit card name previous complaint id correction citicards cbna citibank reporting outdated information credit reporting agency credit card company report outdated information

credit_reporting

note listed wrong credit card name previous complaint id correction reporting outdated information experian credit reporting agency credit card company report outdated information

credit_card

one issue wife new verizon credit card synchorny bank opened small credit limit get close limit make payment sometimes multiple payment two one month depending usage second payment received money cleared checking account second payment applied balance talking multiple occasion told u holding payment money laundering cancelled transaction issue type activity caused business million dollar second issue ask credit limit increase resolve increase denied reason given insufficient experience current credit limit call ask told policy computer generated decision nothing done explanation wife credit score transparency reason denied credit two issue holding money second payment explaining denied credit limit increase recourse

mortgages_and_loans

original complaint sent newrez shellpoint date subject removal erroneously applied late fee transferred newrez account may concern recently new rez mortgage feel wonderful huuurray however former transferred new rez erroneously applied late fee account following detail provided late disputed charge registered new online account made monthly payment amount using online payment system received letter payment returned unpaid checked informed submitted payment account number missing last account ending upon learning error part immediate issued subsequent payment account charged late fee spite typing correct information online payment system hence requesting waive late fee immediately thought removed late fee charge late disputed charge made payment directly website amount however draw fund checking account erroneously charge another late fee amount refer following snapshot checking account type mortgage id co hence requesting newrez remove late fee account immediately release property deed md asap question reached sincerely

retail_banking

please see attached document happened went bank america atm system withdrawal last checking account went use local metro subway purchase metro card gave lady one boa dispensed atm system hear little money fake flabbergasted hear word immediately gave able collect stuck fake bill money caused great embarrassment distressed elderly hear last little dollar fake large company like boa put trust banking institute immediately went boa matter addressed looked fraudster take reimbursement distraught moment endeavor branch said would investigate matter would notified allowed week communication email countless time go back branch get end result dispute simply stated boa large company chump change consumer last loooking reimbursement still hold level stress caused

mortgages_and_loans

pmi loan value home appraised purchased price base loan amount debt principle called stop pmi payment need sign request form stop pmi document stop delivered stopped called told need sign request document stop pmi still documation delivered charged past year please help shoud stopped reach value

retail_banking

ref cfpb case acct ending complaint duplicate complaint would like cfpb take notice well fargo bank address problem specifically stated filed fraud claim online account access frozen spoke two separate fraud rep go branch unlocked time informed another banker situation latest response proven following regulation treating unfairly specifically asked whether investigation commenced spoke fraud rep phone asked question well fargo stating ca find claim research mine proof within wf data quite sure contact banker called behalf get freeze removed validation also state account closed due prolonged overdraft specific issue also never addressed considering several time pointed fraud account investigated investigation completed long account closed per provision regulation e well fargo clearly ignored reiterate premise complaint begin also failed address could find claim mine one rep told claim called find information conversation took place recorded line might add also failed address whether spoke see could remember coming providing proof fraud promised fact deliver branch manager amnesia meeting apparently lost proof assured forwarded fraud behalf front witness brought response also mention indicated transaction disputing claim open record never stated filed claim either month idea fraud even taking place upon discovering proof fraud immediately called branch spoke believe asked help moreover know specific transaction amount mentioned recording gave wf personnel proof mentioned branch manager printed statement went transaction branch manager pointed matched alleged amount stolen specifically pointed withdraw branch two withdraws totaling late several casino transaction stated numerous complaint filed well fargo stating claim found regulation e specifically state timing content financial institution shall comply requirement section respect oral written notice error consumer official interpretation b timing content show received institution later day institution sends periodic statement provides passbook documentation required alleged error first reflected ii enables institution identify consumer name account number iii indicates consumer belief error exists includes extent possible type date amount error except request described paragraph vii section would like point wf informed fraud around complies also want point one fraud rep froze account complies ii iii also consumer compliance told rep found evidence gave information knew gave information extent possible amount mentioned recording thought responsible would also like add wf requested information writing even though initial claim filed month earlier nevertheless regulation state regarding written notice written confirmation financial institution may require consumer give written confirmation error within business day oral notice institution requires written confirmation shall inform consumer requirement provide address confirmation must sent consumer give oral notification also complied response well fargo address comment infamous fiasco making victim customer pointed delivering promise making thing right customer cfpb database well consumer advocacy organization accept publicly post complaint prove much improve state thing many many customer wf bank filed fraud claim even stretch imagination conclude fraud occur account wf still denied claim ca speak claim told truth contacted law enforcement complied request got wf asked help victimized victimization completely ignored police turn provided responsible impunity lack interest enthusiasm assist male filed claim perpetrator victimization free took full advantage aware unusual case however recorded conversation perpetrator crime leave doubt victimized specifically state tape already stole dollar social security award even used term social security would like move offered beginning give wf money would take recording analyzed forensic expert audio video recording need validated need closure lying delusional trying run scam provided police video footage victimized real time happens wf could knight shining armor exposed unheard type theft lack exposure study allowed successful opinion several video audio clip still prove took place even went see patient expert opinion validated victimization real really taken place well fargo made situation much harder deal follow regulation rapist might gotten away getting paid handsomely victimize like movie nobody help perhaps man man likely accused law enforcement involved victimization prior situation occurring investigation completed year ago still fighting right wf bank following error resolution procedure refunded stolen money back long ago still hopeful right thing letting go nothing wrong anything deserve victimization whether wf want believe provided proof failed follow federal regulation regarding error resolution procedure must know another lengthy delay really insulting point could find claim back certainly became aware point first contact day given amount correspondence complaint phone call written account taken place law say limited liability asking someone anyone enforce harmed enough hope someone agrees help

retail_banking

related ftc chase blocked complaintants access ftc chase employee kept going changing way complainant account unlocked ftc around gas pump failed process chase credit card complaintant started recording footage went gas pump seems wrongdoing perpetrated employee premise complaintant let employee know backend system chase could fault causing issue second attempt met notification chase attempt different merchant chase failed successfully process payment chase denies wrongdoing directs fault sending wrong billing chase processed despite successfully added beforehand correct information complaintant note different merchant processed payment around chase struggling activate mobile feature card add system different note complaintant changed billing mailing address chase well email address complaintant initiated completed several transfer around pst chase tried contact complaintant possible fraud attempt account due average normal transfer initiated complaintant acknowledges security measure taken chase however employee phone insisted complaintant contact local branch banker contact call center another sudden shift procedure made chase employee around pst different manager answered call insisted complaintant visit local authentication asked whether receiving verifiying call promptly earlier representative flagged account would prevented lock manager unable give concrete answer chase manager unable comment whether different employee make subjective conclusion requiring extra arbitrary measure authenticate user account course year chase arbitrary applying measure unlock complaintant account ranging using debit card authentication unavailable due complaintant mobile carrier information matching information mobile public record chase query visiting local branch id call back supervisory customer service line calling local branch banker call chase main customer service line

credit_card

related ftc target card suddenly stopped working store transaction visible website filed target card refused reach despite started claim preventing automated activation used try activate additional card account activation failed website via phone call complaintant prefers get activated without contacting customer service complaintant entered number exactly way printed card complaintant wonder record user problem complaintant called activate card automated mean website automated call failed call however representative able activate card complaintant called retrieve pin previous representative omitted pin setup procedure complaintant able activate card automated mean would call attempt reset via target website complaintant perplexed representative activated card denied access pin mention pin reset functionality website call complaintant wonder target create situation artificially way deny access complaintant pin b trying harass anyway

credit_card

related complaintant applied credit card via capitalone made one inquiry fraud detection team raised application fraud alert require photo id complaintant uploaded driver license get however even verifying application inquiry photo id capitalone delegate process another department led call complaintant understands varies lender lender fast decision reached application completed strange employee indicate another department get back complaintant hour department indicates process actually take day process completed application complaintant call capitalone minute complaintant disconnected call call regarding enabling wallet feature last successfully used complaintant indicated capitalone employee confirmed card file removed added back however card repeatedly failed added system capitalone asserted nothing blocking card added directed fault preferring one credit card blocking capitalones entry system complaintant card file interestingly capitalone reached notify complaintant account restricted possible account stated email change address change attempt reason restriction complaintant puzzled capitalone used excuse ask b bank statement utility billl address c photo id complaintant spoken capitalone employee correct name city billing address address remains unchanged capitalone indicated concurrent investigation previous representative wasnt aware restriction wasnt bitter annoyance caused complaintant suddenly disconnecting call also call noticed issue complaintants account well verifying mail address file conclusion basis sudden surprise newly discovered knowledge capitalone restrict complaintants account using excuse push complaintant give information regarding photo id b signed social security card c banking statement uploaded verified capitalones representative capitalone verified bank statement receipt requested document employee dragged around process reason keep account

credit_card

related report employee ca impersonated complaintant trigger citi fraud alert failing pas authentication call citi employee order generate false fraud alert account strangeness shown pretending connect citi via conference call complaintant representative calling citi skip authentication trigger fraud alert ftc complaintant noticed incessant behavior citi employee generating manual lock fraud alert attempt force complaintant call customer service unlock card ample example including fraud alert citis automated system promptly notifies complaintant upon detecting potential fraud attempt via text email however instance email text alert system would send without manual employee intervention system would send concerning activity regarding complaintant account complaintant successfully registered citi card another correction made pst citi employee asserted complaintants change email caused issue although complaintant received alert citi system general credit card company payment processor would delegate task phone payment processor would verify registered number belong valid credit card banking institution view processor inner system process transaction already filtered example need banking institution aware email id phone number change payment processor would detect sending transaction banking institution questioned citi employee stated reason sending fraud alert due speak complaintant issue however still doesnt explain citi didnt notify complaintant via supposed fraud attempt successfully accepted card system fraud alert lock triggered around hour citi shouldnt adjust security stance card waiting complaintant open citi app view warning message instead immediately alerting via observed similar pattern course year complaintant wonder whether employee citi constant need fabricate reason jam transaction complaintant order portray complaintant strange dangerous customer portraying intact ordinary people whichever audience might deem worthy enough

credit_card

related capitalone capitalone yet change course coming creative way refuse use card disable card reissued via via representative replace card without card refuse answer call disconnect complaintnat understand call center busy however strange pattern seen call wait time vary strangely well call dropped frequnetly

credit_card

related ftc ftc discover approved complaintant credit line application complaintant put separate application checking account ssn passport driver license utility bill uploaded application however complaintant called discover representative complaintant call disconnected time call went time complaintant stated ssn dob address call suddenly disconnected later error application required complaintant put another application successfully generate check account around pst complaintant attempted setup profile within discover banking website complaintant user cellular tower area via discover us sm number send temporary passcode user however complainant experienced delay receiving code via sm text email sudden surge text message within second span time clearly show factor preventing going recurring issue complainant corresponded around representative indicated widespread issue affecting user complaintant area indicates possibly due usage femtocell cellular network imsi etc complaint neighborhood area issue reported network customer general different note complaintant reached discover issue debit card remains system yet credit card added system discover representative blamed refusing allow card system complaintant wonder many discover customer credit card added system complaintant emailed discover per request investigating issue

debt_collection

summary set payment arrangement reinstate internet service broke arrangement shut next day made new arrangement turned back went back arrangement le hour later demanded money shut service happened previously internet service ended final balance currently working starting new job called phone asked make partial payment toward past due balance beyond normal monthly bill restore service least paycheck start coming pay previous balance full rep system collection agency phone agreed term sale asked minimum payment could advised three u agreement pay extra top normal bill order restore service pay towards past due could made payment plus debit card convenience fee confirmation ic system account advised normal monthly bill arrive mail service restored le hour later service cut called ask happened collection advised payment made insufficient prior balance need paid full restore service advised arrangement ic system sale said honor prior agreement advised expectation set prior charging card let know company honoring advising customer could assist asked supervisor call back immediately call called ic system see misunderstanding could cleared end conferenced call ic system sale supervisor could discus issue advised payment made incorrectly processed rep one time payment rather recurring payment advised recurring monthly arrangement seeing approval restore service asked get corrected asked repayment scheduled come month automatically system issue could set autopay said call next month pay set autopay time instead thoroughly note plan agreed satisfactory turned service back even hung le hour ending call get call supervisor collection supervisor requested earlier let know cleared confusion tell matter resolved past due still need paid full minus paid filled arrangement broken shortly getting payment also told agreed autopay arrangement confirmed would honor prior arrangement even though fellow supervisor signed unless made additional payment immediately disconnect service would honor company word offered compromise changed arrangement every week throw extra today could keep internet new job requires internet work remotely choice agree called ic system paid plus processing fee rep confirmation arrangement two day made know someone going call tomorrow demanding new term agreement made previously mean nothing hold accountability tell customer take payment false pretense

debt_collection

option previously listed really capture experience customer one point different line family plan paid average per year bill alone slowly taking line customer service care vastly deteriorated early decided switch father kept line meantime father final bill due early le day later already sent father final bill collection cbe group apparently internal debt collection service receive phone call anything reminding past due bill even day past due already sent collection mind receive letter around approximately phone call began day later nearly full week lockdown coronavirus already ordered ca even know able make next mortgage payment property tax bill audacity send bill collection month past due reached customer support online bother anything spoke someone management team said would get back logical explanation acknowledge sent collection even day past due normal sure person situation lot people struggling choice send collection year year giving business hurtful add undue stress since disconnected line transferred phone number refuse continue give business cfpb consumer know day lendors creditor issuing payment deferral mortgage forbearance wo hesitate send bill collection

credit_reporting

continuation previous complaint freedom repeatedly justified credit inquiry providing letter via freedom record signed loan officer stating gave verbal authorization second credit inquiry letter lie never gave authorization verbally form ever record show repeatedly provided email transcript specifically told month prior want credit pulled second time pulled stated another email would second inquiry removed credit report within business day record also display text conversation immediately inquiring credit pulled alerted stating would look pulled without consent obviously give consent aware seen text conversation day

credit_card

usaa master plan collect cancellation debt usaa open two deliquent must violation fair credit see attatched mastercard statement visa end attatched opened usaa authorize apply opened see attatched usaa debt account cancellation debt box borrower personally liable box date event usaa collect using fraudulent deliquent account created see attatched usaa settle claiming deliquent selling account collection next month two card usaa opened opened creditcards member claimed past deliquent account see attatched credit card fraud claim claim date unauthorized transaction occurred see attatched cfpb response usaa staff confirmed usaa liable unauthorized transaction see attatched usaa review claim usaa determined fradulent activity get back opening two fraudulent account using private id data mc ussa close made payment id theft authorize stealing social security collect ideninity theft case usaa criminal humble opinion

mortgages_and_loans

correspondence dont attach phone chose lender anchor mortgage sighed paperwork first red flag verbally asking send u copy multiple occasion never got copy ordered inspection inspection clean closing scheduled contacted let know attorney trying reach ordered title work meantime reached time phone left message saying yet charged appraiser appraisal listing agent asking u knew anything well asking wife newer u buyer side time said would look never heard anything anchor mortgage one employee ever met wife chose lender went school wife wife said good helping people le perfect credit reach u around saying got case number appraisal would follow appraisal would probably ordered monday told appreciate email text correspondence promised update u later day point discussing changing lender real uneasy feeling lender wife call listing agent see switching lender would make seller nervous said absolutely go ahead day shortly texted told hold anything loan point texted asked u call go underwriting wanted call already started working new lender said dont work loan get back u pretty quick said well conditional approval appraisal ordered morning minute go approval reply today texted everything cancelled appraisal title loan approval rate lock good luck reply start getting little difficult wife sitting tear feel responsible choosing lender wife hospitalized year back got behind bill reason felt compelled use credit suffered quite bit late house payment unable pay credit card cry lender wife sent u email read legal obligation transfer fha number sent email sent second email new lender saying shopped loan different lender true quite pointless opinion lender see credit report many time pulled worked year buy forever home lender taken joyful experience turned something left u stressed worried know im lender know score didnt u locked anything dont know anything help u get fha number please know company bold send email saying didnt transfer number please cant help u keep letter file anyone else treated way treated make sure wife held better standard thank time

credit_reporting

mother called remove authorized user never used credit line activated card negatively affecting credit score removed authorized user shot point however experian reflect recent change able contact website able dispute gladly removed score soon reflected change process refinancing home husband lost job due barely make end meet nurse salary need good score refinance keep home loan company revealed score experian tried dispute online experian membership available dispute could get speak representative number please help get experian reflect proper credit score

mortgages_and_loans

mortgage payment end tiaa bank required pay mortgage payment check loan payment submitted payment loan using certified bank check hand delivered check fl branch tiaa bank cutoff mortgage payment bank took week mail check payment processing center payment received processing center marked late account even though payment made tiaa time using certified fund

credit_reporting

loan cancelled account suspended day loan request cancelled following reason unable verify identity employment credit history income information email applied loan website loan documentation stated would call information clarification required contact suspending cancelling loan called morning find missing going recording heard account talking someone said loan incomplete talked agent could really nothing tell missing asked manager department closed another min person also told credit report transunion may matched wrote application checked everything match maybe named employer different report mind could solved second phone call agent put hold disconnect call called back number explain entire situation agent could anything passed group open talked agent could tell anything information needed happened instead answer different department email one department take phone call even asked someone else could help phone get solved quickly answer one else could transferred ca anything day correct whatever information match even find actually wrong contract said would contact issue encountered verification process received phone call email credit score going take hit hard inquiry worked hard recover score bad divorce stuck marital debt one contact wait email even bother time frame submittal loan request suspension le hour information request phone call point say denied loan cancelled reason credit credit history

credit_reporting

loan cancelled account suspended day loan request cancelled following reason unable verify identity employment credit history income information email prosper applied loan proper website loan documentation stated would call information clarification required contact suspending cancelling loan called morning find missing going recording heard account talking someone said loan incomplete talked agent could really nothing tell missing asked manager department closed another min person also told credit report may matched wrote application checked everything match maybe named employer different report mind could solved second phone call agent put hold disconnect call called back number explain entire situation agent could anything passed prosper advocate group open talked agent could tell anything information needed happened instead answer different department email one department take phone call even asked someone else could help phone get solved quickly answer one else could transferred ca anything day correct whatever information match even find actually wrong contract said would contact issue encountered verification process received phone call email credit score going take hit hard inquiry worked hard recover score bad divorce stuck marital debt one contact wait email even bother time frame submittal loan request suspension le hour information request phone call point say denied loan cancelled reason credit credit history

retail_banking

ftc ftc complaintant used venmo service without problem past two different bank account around complaintant voluntarily terminated account venmo staff indicated bank statement needed reactivate bank account account however new account bank statement necessary verify account ownership complaintant traveled visited various place hotspot certain party using venmo time well exchanging payment venmo suddenly complaintants account require photo id upload upon upload venmo went require bank statement bank account related venmo account contradicting earlier statement bank statement needed migrating previous account newer account complaintant questioned whether valid reason place restriction venmo account venmo sent final venmo statement list transaction interestingly venmo sent updated statement upon confronted complaintant sending incomplete information mention venmo needed complaintants help navigating around system complaintant baffled paypal overlooking whatever security flaw venmo allowed complaintant platform venmo employee kept recommending paypal complaintant transfer instead complaintant verified venmo representative account operational adding debit card information add mystery phone number never used venmo rejected invalid number upon enrollment venmo claim complaintant much high risk allowed venmo platform citing previous use bank account platform problematic mention previous closed voluntarily without issue call indicates problem found venmo representative complaintant account well insisting addition debit card would fix remaining issue venmo staff seen disguising request bank statement use taking unnecessary role enhancing banking security complaintant recall action taken part cause problem venmo unilaterally started unfounded act later accuse complaintant unreasonable

credit_reporting

placed collection credit report fraudulent activity victim identity theft year contacted original creditor explained transferred several time disrespected customer service rep explaining situation wrong person company unprofessional also sent copy police report also file cfpb ftc unacceptable

credit_reporting

sent dispute credit bureau delete account due violation metro due account number containing clear violation yet delete account fact never even received response dispute attaching copy review several violation account closed bureau reporting term reporting diffrent day last payment reporting different date last acive reporting paid one reporting closed

credit_reporting

sent dispute credit bureau delete account due violation metro due account number containing clear violation yet delete account fact never even received response dispute attaching copy review several violation account closed bureau reporting term reporting diffrent day last payment reporting different date last acive reporting paid one reporting closed

credit_reporting

sent dispute credit bureau delete account due violation metro due account number containing clear violation yet delete account fact never even received response dispute attaching copy review several violation account closed bureau reporting term reporting diffrent day last payment reporting different date last acive reporting paid one reporting closed

credit_reporting

inquired unspecified inquiry scheduled continue record inquired nv unspecified inquiry scheduled continue record inquired tx auto loan inquiry scheduled continue record inquired tx real estate inquiry scheduled continue record inquired ga unspecified inquiry scheduled continue record inquired tx unspecified inquiry scheduled continue record inquired mi unspecified inquiry scheduled continue record inquired tx auto loan inquiry scheduled continue record factual data inquired oh real estate inquiry scheduled continue record inquired oh charge card inquiry scheduled continue record inquired md real estate behalf inquiry scheduled continue record inquired tx real estate inquiry scheduled continue record inquired fl ca real estate inquiry scheduled continue record inquired tx real estate inquiry scheduled continue record inquired tx unspecified inquiry scheduled continue record inquired tx unspecified inquiry scheduled continue record inquired ca unspecified inquiry scheduled continue record inquired tx auto loan inquiry scheduled continue record inquired fl unspecified inquiry scheduled continue record fraudulent application submitted name identity used without consent fraudulently obtain good service extend credit without first contacting personally verifying application information day evening

credit_reporting

tx tx xxxxxxxx xxxxxxxx fraudulent application submitted name identity used without consent fraudulently obtain good service extend credit without first contacting personally verifying application information day evening

credit_reporting

tx tx xxxxxxxx xxxxxxxx xxxxxxxx xxxxxxxx fraudulent application submitted name identity used without consent fraudulently obtain good service extend credit without first contacting personally verifying application information day evening

credit_reporting

tx ga fraudulent application submitted name identity used without consent fraudulently obtain good service extend credit without first contacting personally verifying application information day evening remove inaccurate incomplete unverifiable unauthorized fraudulent negative item credit report

credit_reporting

tx ga fraudulent application submitted name identity used without consent fraudulently obtain good service extend credit without first contacting personally verifying application information day evening remove inaccurate incomplete unverifiable unauthorized fraudulent negative item credit report

credit_reporting

tx ga fraudulent application submitted name identity used without consent fraudulently obtain good service extend credit without first contacting personally verifying application information day evening remove inaccurate incomplete unverifiable unauthorized fraudulent negative item credit report

credit_reporting

tx tx ga fraudulent application submitted name identity used without consent fraudulently obtain good service extend credit without first contacting personally verifying application information day evening

credit_reporting

tx tx fraudulent application submitted name identity used without consent fraudulently obtain good service extend credit without first contacting personally verifying application information day evening

credit_reporting

tx tx co co xxxxxxxx fraudulent application submitted name identity used without consent fraudulently obtain good service extend credit without first contacting personally verifying application information day evening

credit_reporting

tx tx xxxxxxxx co co xxxxxxxx fraudulent application submitted name identity used without consent fraudulently obtain good service extend credit without first contacting personally verifying application information day evening

credit_reporting

tx apartment complex tx apartment complex tx single family tx apartment complex tx single family never lived use reason never lived address received mail tx apartment complex tx single family tx single family never lived use reason never lived address received mail tx single family never lived use reason never lived address received mail potentially negative status collection account past due account type collection balance date opened dispute potentially negative status collection account past due account type collection balance date opened dispute

credit_reporting

tx apartment complex tx apartment complex tx single family tx apartment complex tx single family never lived use reason never lived address received mail tx apartment complex tx single family tx single family never lived use reason never lived address received mail tx single family never lived use reason never lived address received mail potentially negative status collection account past due account type collection balance date opened dispute potentially negative status collection account past due account type collection balance date opened dispute

credit_reporting

xxxxxxxx xxxxxxxx tx tx ga fraudulent application submitted name identity used without consent fraudulently obtain good service extend credit without first contacting personally verifying application information day evening

credit_reporting

xxxxxxxx xxxxxxxx tx tx ga fraudulent application submitted name identity used without consent fraudulently obtain good service extend credit without first contacting personally verifying application information day evening

credit_reporting

phone number mine tx address corrected mine potentially negative status open account type credit card balance department education collection account past due account mine

credit_reporting

true identity theft victim identity theft equifax confirmation limit file number limit 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 address belong ga ga ga ga

credit_reporting

true identity theft victim identity theft confirmation limit opened transunion file number limit opened 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

credit_reporting

true identity theft victim identity theft information listed appears credit report relate transaction made result identity theft also victim equifax data breach several account credit report mine listed report number file number equifax report confirmation account number collection opened account number 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

credit_reporting

true identity theft victim identity theft information listed appears credit report relate transaction made result identity theft please block information report report number transunion file number confirmation number account name account number account name acoount number xxxxxxxx acoount name account number also recently found involved data breach 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

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 file number confirmation number account name account number account name acoount number acoount name account number also recently found involved data breach 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

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 report number report number equifax report confirmation ive try fix gotten update proof investigation personal information exposed data breach equifax 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

credit_reporting

true identity theft im member equifax data breach filed claim accordingly attempting clear credit report fraudulent item 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 equifax confirmation number report number report number date generated account name account name account name account name account name account name account name account name account name account name please block information credit report pursuant section fair credit reporting act send required notification furnishers information

credit_reporting

true identity theft im member data breach filed claim accordingly attempting clear credit report fraudulent item 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 confirmation number experian report number report number date generated account name account name account name account name account name account name account name account name account name account name please block information credit report pursuant section fair credit reporting act send required notification furnishers information

credit_reporting

true identity theft im member data breach filed claim accordingly attempting clear credit report fraudulent item 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 confirmation number report number report number date generated account name account name account name account name account name account name account name account name account name account name please block information credit report pursuant section fair credit reporting act send required notification furnishers information

debt_collection

reporting credit report balance writing calling ncb management service debt knowledge check report ncb management service seems change name one credit bureau report collector reflecting debt say owe address mailing letter calling get information debt address number listed paxxxx case fraud knowledge debt

credit_reporting

reporting late payment credit report couple error credit report late payment late payment also balace gm financial day late credit profile never missed payment

credit_reporting

reporting late payment credit report couple error credit report late payment late payment also balace day late credit profile never missed payment

credit_reporting

placed collection victim year contacted explained transferred several time disrespected customer service rep explaining situation wrong person company unprofessional also sent copy police report also file cfpb ftc unacceptable