davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This is my third request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXXXXXX XXXX XXXXXXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$950.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX - Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX, XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX The above referenced accounts either are completely incorrect in terms of payments dates/or balance updates. Additionally, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX is an account that I have never signed ANY agreements for or personally had services from. These accounts have just been updating balances through each dispute to stay on report. ALL account dates and info is incorrect. 

Examples include Account Name : XXXX XXXX - Account # XXXX, I do not have this account and it clearly states my last payment was well over 2 years ago but the account still shows as " open '' 15 U.S.C. 1681 section 602 A, states that I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2, also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information : any adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

Navient is charging customers an extra 10 days of interest on loans being paid ELECTRONICALLY over the phone. The only time Navient states to collect extra interest fees is if payment is MAILED.  After payments are processed and updated retroactively to DATE paid over the phone, Navient is NOT returning the entire 10 days of extra interest paid on SEVERAL loans. It is fraud, deception, and corruption! 

Also, once a loan is paid in full, a customer is UNABLE to retrieve any history of the loans online. The customer service reps will repeat the same over the phone. I want a COMPLETE history of ALL of my loans with Navient and all information transferred over from Sallie Mae. I was not granted the request of all history from origination dates. Navient is corrupt and makes things very muddy and customers are NOT afforded honest transparency. 

Thank You, XXXX XXXX
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2024, I mailed a dispute letter to TransUnion, requesting specific information on how they verified the accuracy of the bankruptcy reporting and other inaccurate information on my credit report. 

Details of the Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference Number : XXXX Despite my clear and thorough request, and the provision of my driver 's license, a copy of my Social Security card, and proof of address, I have not received any response from TransUnion. According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that TransUnion has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute. This lack of response and investigation is a direct violation of the FCRA, which mandates that credit reporting agencies must ensure the accuracy and completeness of information in consumer credit reports.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent this request that credit Bureaus that needs to reinvestigate the disputed items from my credit report as well as correct this items from my report during the investigation period. As of this date, you have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX. 
PLEASE REMOVE FROM MY REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE FROM MY REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE FROM MY REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE FROM MY REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE FROM MY REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE REMOVE FROM MY REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVEFROM REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE FROM MY REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE FROM MY REPORT IMEDIATELY.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told/informed XXXX, Transunion, and XXXX to XXXX and or remove these accounts : XXXX, TRANSUNION, XXXX DISPUTES XXXX XXXX. XXXX > {$1200.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX {$3800.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX {$3700.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX {$180.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX {$13000.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX. THE BANK XXXX XXXX XXXX {$1200.00} * Date Opened : XX/XX/XXXX HARD INQUIRIES : XXXX. XXXX XXXX NA * Date Opened : XX/XX/XXXX XXXX. XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX * Date Opened : XX/XX/XXXX XXXX. XXXXXXXX XXXX * Date Opened : XX/XX/XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 15 U.S.C. 1681s-2 ( A ) ( 1 ) [ A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (FL)

I am filing this complaint regarding my XXXX XXXX  account with GS Bank USA. There are multiple issues I need addressed : Inaccurate Credit Reporting : On XX/XX/year>, my Apple Card account was reported with a balance of {$9700.00} and a credit limit of {$8500.00}, showing I am using 115 % of my account limit. This is incorrect and has negatively impacted my credit score. I dispute the accuracy of this reporting under the Fair Credit Reporting Act ( FCRA ), which requires that all information furnished to credit reporting agencies be complete and accurate. 

Tampering with Account : My account was recently tampered with, which I reported to XXXX XXXX  XXXX. The bank conducted an investigation, but I was not notified or provided with any consent form for this investigation. Under the Electronic Fund Transfer Act ( EFTA ), I have the right to be notified and consulted during any investigation involving fraudulent transactions or tampering with my account. The bank 's failure to involve me in this process violates this law. 

Failure to Address Fraud : Following their internal investigation, GS Bank USA concluded that funds had been tampered with on my account, but they failed to provide a resolution. I am requesting the removal or deletion of these inaccurate and fraudulent charges, as they were made without my consent. Under the Fair Credit Billing Act ( FCBA ), I have the right to dispute unauthorized transactions and have those charges removed if proven fraudulent.

Requested Action : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that : The inaccurate information regarding my balance and credit limit is corrected immediately. Any negative impact on my credit score, incl
uding late payments, is removed as per FCRA guidelines.

All fraudulent transactions are deleted from my account, and I am provided with a resolution that complies with both the EFTA and FCBA.

I look forward to a prompt resolution of this matter and appreciate your attention to the seriousness of the issue.

By citing the Fair Credit Reporting Act ( FCRA ), Electronic Fund Transfer Act ( EFTA ), and Fair Credit Billing Act ( FCBA ), you strengthen your case with legal backing for the removal of the inaccuracies and fraudulent charges. Make sure to include any supporting documentation if requested.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XX/XX/year>
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im filling this compliant today to inform you, that you are not doing your job, to investigate the inaccuracies of the accounts in my credit report. 
XXXXXXXX XXXX XXXXXXXX Balance {$720.00} XXXX  XXXX Balance {$460.00} XXXX XXXX XXXX Balance {$9100.00} XXXX XXXX XXXX Balance {$4700.00} XXXX XXXX XXXX Balance {$1900.00} XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX XXXX Balance {$4800.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX Balance {$2600.00} XXXX XXXX XXXX Balance {$2300.00} XXXX XXXX XXXX Balance {$970.00} XXXX XXXX XXXX Balance {$270.00} XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX Balance {$4200.00} XXXX XXXX XXXX Balance {$6300.00} XXXX XXXX XXXX Balance {$2500.00} XXXX XXXX XXXX Balance {$9800.00} CAP XXXXXXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$410.00}
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX Balance : {$99.00}