Consumer complaint received 2025-02-07 00:00:00
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: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
My vehicle was vandalized on XX/XX/XXXX, and since then, I have been unable to travel or secure approval for an auto loan and more importantly my XXXX that I have been waiting four years to obtain was cancelled - my health is not a game. These issues need to be resolved as soon as possible, as my family and I have been stuck in a situation for an extended period. I request that you consider the impact this has had and work to address this matter promptly. 

I purchased XXXX Identity Protection years ago, which includes 100 % full identity theft restoration services. Despite this, I have continued to face issues with identity theft and fraudulent events on my credit report, which have become significant barriers to moving forward. These stolen identity issues are covered under my identity theft insurance at {$34.00} per month or {$340.00} per year ( plus tax ). However, I am still grappling with unresolved identity theft issues, compounded by discriminatory practices within the system. These issues have escalated, affecting my daily transactions and my ability to obtain new credit. For example, my recent application with XXXX XXXX was declined due to an incomplete credit file. They instructed me to fix the identity theft issues and reapply later. 

Additionally, an emergency ambulatory medical collection appeared on my credit report after my family was targeted and assaulted after leaving a XXXX XXXX The driver involved avoided jail time ( RICO ) after violating 18 U.S. Code Section 1389 regarding an honorable veterans dependents. Years earlier, in XXXX XXXX XXXX, I was nearly hit by a vehicle off XXXX XXXX XXXX XXXX CA, in a vehicular XXXX  attempt. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX  while I was trying to get my mail, and I saw a XXXXXXXX XXXX  directing him from across the street at the bank. I also received a strange chain letter ( attached ) and a RICO/racketeering address fraud letter, which I reported to the XXXX XXXX XXXX 

Before all this, my identity theft issues began when my purse was stolen at a XXXX XXXX XXXX party in New York. All my credit cards, checks, student and military ID, and my GOES pass were in the purse, which was under the passenger seat of my XXXX  SUV. Males exited a black SUV, broke into my vehicle, and drove off. One of them boldly used my XXXX XXXX  XXXX card to purchase cigarettes and an expensive watch. I reported the theft of my GOES pass to DHS and filed with IC3. Unfortunately, despite these actions, the identity theft issues have persisted from XXXX to the present. 

My family has suffered significant harm from humiliation and terrorism campaigns, vandalism to real estate, and my vehicle being vandalized. These attacks on my retail transactions and other fraudulent activities have led to numerous FTC complaints. Scammers have sent me unwanted and threatening text messages, while I have received highly triggering and disturbing racketeering emails, violating CAN-SPAM laws ( over XXXX this month alone ). I have filed numerous FCC complaints, but they have not been resolved. Impersonators have used my information at XXXX, and I have received threatening marketing related to death, dying, and life insurance policies I never applied for. Additionally, someone attempted to rent an apartment in XXXX using my name. I have also dealt with HIPAA violations at Veteran Affairs, where my medical records were accessed by unauthorized individuals, which I reported to the VA OIG. 

Given these circumstances and my ongoing investment in identity theft insurance, I am requesting the removal of the detrimental identity theft entries from my credit report. I believe I am fully qualified for restoration, and I urge you to take immediate action to rectify this situation. Despite my diligence in protecting my identity and addressing these issues through formal channels, I continue to face barriers that undermine my financial stability and well-being. The negative impacts of these unresolved matters extend far beyond my credit score, and I request that you consider the gravity of my sensitive and life-threatening situation.

The compounded effects of identity theft that I have faced over the years demand a serious approach to restoring my identity and integrity. I seek the removal of these harmful entries and request that you share the corrected file with XXXX and XXXX to ensure that such injustices do not continue to affect my family in the future. 

Re : Report # XXXX To restore my identity, I respectfully request the deletion of the following entries : XXXX XXXX XXXX XXXX XXXX ( filed on taxes ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$900.00} collection ) belongs to XXXX, XXXX, the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , violating 18 U.S. Code Section 1389 and avoided jail time due to hate-motivated affiliations.

Due to retaliation, 15 years of my credit history was deleted without my knowledge or consent : XXXX XXXX XXXXXX/XX/XXXX ( closed by creditor XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have placed the {$43000.00} owed in arrears in collections on XXXX XXXX XXXX credit report. 

These challenges stem from persistent identity theft and related fraudulent activity that have not been adequately resolved, despite my diligent efforts to address them through various formal channels. I appreciate your understanding of the severity of this situation and the impact it continues to have on my family and me. I look forward to a prompt resolution of these matters. Federal law provides protections against identity theft under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies, such as XXXX, take all reasonable steps to investigate and resolve claims of identity theft within a reasonable timeframe. Additionally, the Identity Theft Enforcement and Restitution Act ensures that victims of identity theft can seek redress and compensation for the damages incurred. Despite these protections, I continue to face significant barriers, such as incorrect information on my credit report, which has led to loan denials and financial strain. 

This issue has been compounded by my experiences with fraud, harassment, and discriminatory practices, including unauthorized charges to my accounts and negative information from entities that I request be fully investigated and removed. I have also faced severe personal and financial distress due to fraudulent medical collections, violations of my HIPAA rights, and continuous harassment from scammers and impersonators. Despite filing numerous complaints with the FTC, FCC, and other regulatory bodies, the negative impact on my credit and personal life remains unresolved.

Under federal law, the right to dispute and correct inaccurate information on credit reports is clear. Given the ongoing nature of this problem and the significant emotional and financial toll it has taken, I request that XXXX take immediate action to rectify these issues by removing the fraudulent and harmful entries from my credit report. Furthermore, I urge XXXX to ensure that these corrections are reflected in my reports across all major credit bureaus, including XXXX, and to prevent further harm from occurring. 

The unresolved issues surrounding my credit are more than mere inaccuracies- they have disrupted my ability to obtain credit, resulting in harmful effects on my familys stability. I implore you to recognize the urgency and severity of this matter, particularly given the investments I have made in identity theft protection and the legal avenues I have pursued to address this. Please confirm that my situation is being treated with the seriousness it deserves, and I look forward to your prompt resolution of these matters. 

Thank you for your attention to this urgent issue.

Company response to consumer: Closed with explanation