Consumer complaint received 2026-05-03 00:00:00
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.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion , LLC Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : FORMAL NOTICE OF DISPUTE AND DEMAND FOR DELETION OF ALL NEGATIVE ACCOUNTS AND ALL INQUIRIES PURSUANT TO THE UNIFORM COMMERCIAL CODE ( U.C.C. ), THE FAIR CREDIT REPORTING ACT ( FCRA ), 15 U.S.C. 1681 et seq., AND THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), 15 U.S.C. 1692 et seq. File Number : XXXX SSN ( Last XXXX ) : XXXX Date of Birth : XX/XX/XXXX TO ALL AUTHORIZED OFFICERS AND AGENTS OF TRANSUNION , LLC : PLEASE TAKE FORMAL NOTICE that I, XXXX XXXX XXXX, XXXX XXXX XXXX and secured consumer-creditor under the Uniform Commercial Code ( U.C.C. ), hereby exercise my lawful right to dispute, challenge, and demand the immediate deletion of all negative tradelines, adverse accounts, and all credit inquiries both regular ( hard ) and account review appearing on my TransUnion consumer credit file bearing XXXX XXXX XXXX. This correspondence constitutes a formal, written dispute under the following lawful authorities : Uniform Commercial Code ( U.C.C. ) 1-308 Performance or Acceptance Under Reservation of Rights Uniform Commercial Code ( U.C.C. ) 3-501 Presentment Uniform Commercial Code ( U.C.C. ) 3-505 Evidence of Dishonor Uniform Commercial Code ( U.C.C. ) 9-210 Request for Accounting / Request Regarding a List of Collateral or Statement of Account Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b Permissible Purposes of Consumer Reports Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 Responsibilities of Furnishers of Information to Consumer Reporting Agencies Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Validation of Debts Privacy Act of 1974, 5 U.S.C. 552a Federal Trade Commission Act, 15 U.S.C. 45 Unfair or Deceptive Practices SECTION I LEGAL FOUNDATION UNDER THE UNIFORM COMMERCIAL CODE As a living consumer operating in commerce, I am a party with full legal standing under the Uniform Commercial Code as adopted in all fifty ( XXXX ) states. Pursuant to U.C.C. 1-308, I reserve all rights without prejudice and without waiving any rights, remedies, or defenses available to me under any applicable law. Under U.C.C. 9-210, any secured party or party claiming a security interest in a consumer account has an obligation, upon written request, to provide a complete, authenticated, and verifiable accounting of any alleged obligation. No party including any original creditor, collection agency, or credit reporting agency has standing to report derogatory information on my consumer credit file without first being able to produce lawful, verifiable, and authenticated documentary evidence sufficient to establish : XXXX. The existence of a valid, lawful contract bearing my wet-ink signature ; XXXX. Proof of consideration flowing from the creditor to me ; XXXX. A complete, unbroken chain of title for any alleged debt that has been assigned, sold, or transferred to any third-party collector ; XXXX. The original signed agreement authorizing the reporting of said account to any consumer reporting agency ; XXXX. Proof of permissible purpose under FCRA 15 U.S.C. 1681b for each and every inquiry appearing on my consumer credit file ; XXXX. Competent evidence that any information being reported meets the maximum possible accuracy standard required under 15 U.S.C. 1681e ( b ). Each account and inquiry listed in this dispute is hereby challenged in its entirety. In the absence of complete, verified, authenticated documentary evidence, TransUnion is legally obligated under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) to DELETE the disputed item from my consumer credit file within thirty ( XXXX ) days of receipt of this notice. I further invoke U.C.C. 1-308 and hereby give NOTICE that any attempt to re-insert deleted information without first providing the required verified evidence, and without following the mandatory procedures set forth in 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), shall constitute willful noncompliance under 15 U.S.C. 1681n and shall subject TransUnion and all furnishers to civil liability for actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, costs, and attorney 's fees. SECTION XXXX DISPUTE OF ALL NEGATIVE / ADVERSE ACCOUNTS The following accounts appear on my TransUnion credit file with adverse, derogatory, or otherwise negative information. I hereby dispute each account listed below in its entirety including all payment history, remarks, ratings, balances, and all associated adverse designations. I have no knowledge of any valid, verified, authenticated obligation owed to any of the following creditors or their assigns. I challenge each furnisher to produce verifiable proof of the claimed debt as required by law. ADVERSE ACCOUNT NO. XXXX Creditor/Furnisher : CH/NICKELCITYPROPERTYMANAGEMENT Account Number : XXXX * * * * Account Type : Rental Agreement ( Open Account ) Date Opened : XX/XX/XXXX Reported Balance : {$550.00} Adverse Information : Late payment ratings of XXXX and XXXX days appearing in XX/XX/XXXX and XX/XX/XXXX payment history ; past-due amounts reported ; negative ratings ( XXXX, XXXX ) reported on consumer credit file. Address on File : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX GROUNDS FOR DISPUTE AND DELETION : This account is disputed in its entirety. Under U.C.C. 9-210 and 15 U.S.C. 1681i, I demand that CH/NICKELCITYPROPERTYMANAGEMENT provide complete, authenticated documentation establishing the existence of a valid, lawful rental agreement bearing my wet-ink signature, proof of all claimed delinquencies, and lawful authorization to report adverse information to TransUnion. Any and all late payment ratings, past-due designations, and adverse remarks associated with this account are hereby disputed as inaccurate, unverifiable, and/or reported without my lawful authorization. This account must be investigated, corrected, and all adverse payment history, derogatory ratings, and associated negative information must be deleted in their entirety. ADVERSE ACCOUNT NO. XXXX Creditor/Furnisher : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Lease / Installment Account Date Opened : XX/XX/XXXX Reported Balance : {$730.00} Pay Status : >CHARGE-OFF< Remarks : XXXX ( Profit and Loss Write-Off ) Ratings : C/O ( Charge-off ) from XX/XX/XXXX through XX/XX/XXXX Estimated Removal : XXXX/XXXX Address on File : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX GROUNDS FOR DISPUTE AND DELETION : This account is disputed in its entirety. A charge-off is one of the most damaging designations that can appear on a consumer 's credit file and constitutes a significant adverse action against me. Under U.C.C. 1-308 and U.C.C. 3-501, I hereby make formal presentment and demand for complete, authenticated, lawfully verified documentation establishing : ( a ) the original signed agreement between me and XXXX XXXX XXXX ; ( b ) a complete accounting of all payments made and credits applied ; ( c ) proof that the charge-off was properly and legally executed ; ( d ) proof that XXXX XXXX XXXX has standing to continue reporting this account after charging it off and writing it to profit and loss ; and ( XXXX ) proof that the reporting of this account as a charge-off meets the maximum possible accuracy standard required under XXXX U.S.C. 1681e ( b ). A creditor who charges off a debt and simultaneously reports it to a credit bureau creates an unverifiable, potentially defamatory record that damages my creditworthiness. All charge-off designations, C/O ratings, PRL remarks, and all associated adverse information for this account must be deleted immediately. ADVERSE ACCOUNT NO. XXXX Collection Agency : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Factoring Company Account ( Collection ) Date Opened : XX/XX/XXXX Reported Balance : {$1100.00} Pay Status : XXXX Original Creditor : XXXX XXXX XXXX Remarks : >PLACED FOR COLLECTION< Estimated Removal : XXXX/XXXX Address on File : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX GROUNDS FOR DISPUTE AND DELETION : This collection account is disputed in its entirety. Under the FDCPA, 15 U.S.C. 1692g, I hereby demand complete validation of this alleged debt. XXXX XXXX, as a third-party debt collector, is required to provide : ( a ) the original signed agreement between me and XXXX XXXX XXXX XXXX XXXX wet-ink signature ; ( b ) a complete, authenticated, and unbroken chain of assignment or sale from XXXX XXXX XXXX to XXXX XXXX XXXX including all intervening assignments ; ( c ) proof that XXXXXXXX XXXX is licensed to collect debts in the State of New York ; ( XXXX XXXX the complete payment history and account ledger from account inception ; and ( XXXX ) proof of permissible purpose and authorization to report this information to TransUnion under 15 U.S.C . 1681b. Under U.C.C. 9-210, XXXX XXXX must also provide an authenticated statement of account. In the absence of complete, verified documentation, this collection account must be immediately deleted. Collection accounts that can not be properly validated and authenticated have no legal basis to remain on a consumer credit report. ADVERSE ACCOUNT NO. XXXX Collection Agency : PORTFOLIO RECOVERY Account Number : XXXXXXXX XXXX XXXX XXXX * Account Type : Factoring Company Account ( Collection ) Date Opened : XX/XX/XXXX Reported Balance : {$4800.00} Pay Status : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Remarks : >PLACED FOR COLLECTION< Estimated Removal : XXXX/XXXX Address on File : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX GROUNDS FOR DISPUTE AND DELETION : This collection account is disputed in its entirety. XXXX XXXX XXXX is a known third-party debt buyer that regularly purchases alleged debts in bulk for pennies on the dollar and then attempts to collect amounts in excess of what may be lawfully owed. Under U.C.C. 1-308 and U.C.C. 9-210, and under the FDCPA 15 U.S.C. 1692g, I demand that XXXX XXXX provide : ( a ) the original signed credit agreement between me and XXXX XXXX XXXX XXXX XXXX bearing my wet-ink signature ; ( b ) a complete, authenticated, and unbroken chain of title showing how XXXX XXXX acquired legal ownership of this alleged debt, including the bill of sale and all assignment documents ; ( c ) proof of the exact amount allegedly owed at the time of assignment and how the current balance of {$4800.00} was calculated ; ( d ) proof that the statute of limitations has not expired on this alleged obligation under New York XXXX XXXX ( XXXX ) proof of licensure to collect in the State of New York XXXX and ( f ) proof of permissible purpose under 15 U.S.C. 1681b to report this information to TransUnion. Without complete authenticated verification of all of the foregoing, this collection account must be deleted immediately in its entirety. SECTION III DISPUTE AND DEMAND FOR DELETION OF ALL INQUIRIES Pursuant to 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report for permissible purposes specifically enumerated by law. Any inquiry appearing on my consumer credit file that was obtained without a permissible purpose or without my express, written authorization constitutes a willful violation of the FCRA and is subject to civil liability under 15 U.S.C. 1681n. I hereby dispute ALL inquiries appearing on my TransUnion consumer credit file and demand that each entity provide documented proof of permissible purpose or be immediately deleted. PART A REGULAR ( HARD ) INQUIRIES DEMAND FOR IMMEDIATE DELETION The following regular/hard inquiries appear on my TransUnion credit report. Each is disputed in its entirety. I demand that TransUnion contact each of the following entities and require them to provide documented proof of my express written authorization and of lawful permissible purpose. Any inquiry that can not be verified must be deleted immediately. XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Inquiry Type : Individual DISPUTE : I have no knowledge of authorizing this inquiry. Absent verified proof of permissible purpose and my signed written authorization, this inquiry must be immediately deleted. XXXX. XXXX via XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Inquiry Type : Individual / Credit Transaction DISPUTE : I have no knowledge of authorizing this inquiry. Absent verified proof of permissible purpose and my signed written authorization, this inquiry must be immediately deleted. XXXX. XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Inquiry Type : Individual DISPUTE : I have no knowledge of authorizing this inquiry. XXXX verified proof of permissible purpose and my signed written authorization, this inquiry must be immediately deleted. XXXX. XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Inquiry Type : Individual DISPUTE : I have no knowledge of authorizing this inquiry. Absent verified proof of permissible purpose and my signed written authorization, this inquiry must be immediately deleted. PART B ACCOUNT REVIEW INQUIRIES DEMAND FOR IMMEDIATE DELETION The following account review inquiries appear on my TransUnion credit file. Although TransUnion represents these inquiries as not visible to third-party lenders, they nevertheless constitute access to my private, personal consumer credit information. Each access requires a legitimate permissible purpose under 15 U.S.C. 1681b. I hereby dispute each of the following inquiries and demand that any entity without a current, verified, lawful permissible purpose be removed from my credit file immediately. XXXX. TRANSUNION XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. TRANSUNION XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX NOTE : This entity has no verified, validated, authenticated agreement with me. XXXX to my credit file without lawful permissible purpose is a willful violation of XXXX XXXX. XXXX. XXXX. XXXX XXXX via TRANSUNION XXXX IN Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Phone : ( XXXX ) XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX NOTE : Any collection-related entity accessing my credit file without a current, verified debt obligation is in violation of 15 U.S.C. 1681b and must be deleted. XXXX. XXXX via TRANSUNION INTERACTIVE Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, UT XXXX Phone : ( XXXX ) XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Phone : ( XXXX ) XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX NOTE : This entity has no verified, validated, authenticated agreement with me. See dispute grounds for Account No. XXXX above. Access to my credit file without lawful permissible purpose is a willful violation of 15 U.S.C. 1681b. XXXX. XXXX XXXX via XXXX INTERACT Address : XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. PROGRESSIVE AUTO XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX AUTO Address : XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. UPGRADE Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX SECTION XXXX MANDATORY LEGAL NOTICE AND DEMANDS Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion is required to conduct a reasonable reinvestigation of each item I have disputed within THIRTY ( XXXX ) DAYS of receipt of this written dispute. TransUnion must forward all relevant information to each furnisher and contact each entity listed in this dispute to obtain documentation sufficient to verify the accuracy and completeness of each entry. If any item can not be verified with complete, authenticated documentation, it MUST be deleted from my consumer credit file. I hereby make the following specific, non-negotiable demands : DEMAND XXXX : DELETE all four ( XXXX ) adverse/negative accounts identified in Section XXXX of this letter including all adverse payment history, charge-off designations, collection designations, derogatory remarks, and associated negative ratings from my TransUnion consumer credit file. DEMAND XXXX : DELETE all twenty-eight ( XXXX ) inquiries including all regular ( hard ) inquiries and all account review inquiries identified in Section XXXX of this letter from my TransUnion consumer credit file. DEMAND XXXX : Provide me with a free, updated copy of my consumer credit report within five ( XXXX ) days of completing the reinvestigation, as required by 15 U.S.C. 1681i ( a ) ( 6 ), confirming all deletions. DEMAND XXXX : Notify each furnisher whose information has been deleted of the deletion, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). DEMAND XXXX : Do NOT re-insert any previously deleted information without providing me written notice of reinsertion as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ), and without providing the complete name, address, and telephone number of the furnisher providing such information. DEMAND XXXX : Place my consumer statement in my credit file, to wit : " All items on this consumer credit report are disputed. Consumer has demanded deletion of all adverse accounts and inquiries pursuant to the FCRA, FDCPA, and U.C.C. and reserves all rights without prejudice pursuant to U.C.C. 1-308. '' SECTION V NOTICE OF LIABILITY FOR NON-COMPLIANCE Be advised that failure to comply with this dispute notice within the time periods specified by law shall constitute willful noncompliance under 15 U.S.C. 1681n and/or negligent noncompliance under 15 U.S.C. 1681o. TransUnion and any furnisher that fails to comply with their legal obligations shall be liable for : ( a ) Actual damages sustained ; ( b ) Statutory damages of not less than {$100.00} and not more than {$1000.00} per violation under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ; ( c ) Punitive damages as the court may allow under 15 U.S.C. 1681n ( a ) ( 2 ) ; ( d ) Costs of the action and reasonable attorney 's fees as determined by the court under 15 U.S.C. 1681n ( a ) ( 3 ) ; and ( e ) Any additional damages available under applicable state law, including but not limited to New York XXXX XXXX XXXX XXXX et seq. I further reserve the right to file a complaint with : The Consumer Financial Protection Bureau ( CFPB ) at XXXX The Federal Trade Commission ( FTC ) at ftc.gov The New York State Attorney General 's Office The New York State Department of Financial Services ( NYDFS ) SECTION VI RESERVATION OF RIGHTS I hereby give NOTICE that this letter is submitted without prejudice and with full reservation of all rights under U.C.C. 1-308, under all applicable federal and state law, and under the common law. I do not waive any rights, remedies, or defenses by the submission of this dispute. I am not submitting to the jurisdiction of any particular forum, and I am not admitting the validity of any alleged debt by the act of disputing it. All rights reserved. ATTESTATION I, XXXX XXXX XXXX, hereby attest under penalty of perjury under the laws of the United States of America that the foregoing is true and correct to the best of my knowledge and belief, that this is not a frivolous dispute, and that I am the individual identified herein. Executed onXXXX XXXX XXXX XXXX All Rights Reserved Without Prejudice U.C.C. 1-308 Print Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief