vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing inaccurate and unnecessary personal information on my Equifax credit report, including my name, Social Security number, and date of birth. I requested that Equifax : Correct inaccuracies in my reported name to match my legal documentation. 
Remove my Social Security number and date of birth from the public view of my credit file for privacy and identity protection purposes. 
Equifax responded, stating that my information is accurate. However, they failed to address my request to remove the Social Security number and date of birth for privacy reasons. Additionally, they did not clarify what version of my name is currently being reported, making it unclear whether any correction is necessary. 

This lack of clarity and failure to address my concerns violates my rights under the Fair Credit Reporting Act ( FCRA ) to dispute inaccuracies and ensure my credit file reflects only necessary information. 

I have attached supporting documentation, including my drivers license and Social Security card, to validate my claims and request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: GA

Complaint narrative:
No contractual obligation to agency and agency never contacted me back Account charged off No 1099C not received

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
Consumer complaint received 2024-12-08 00:00:00
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.
State: TX

Complaint narrative:
I am writing to notify you that I am a victim of a data breach and identity theft. I request that the following fraudulent accounts and inquiries be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : ACCOUNTS : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} DP OF EDUC Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} DP OF EDUC Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} US DEPT ED Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Dates Opened : Various Balance : {$00.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} INQUIRIES : XXXX XXXX Date : XX/XX/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
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to notify you that I am a victim of a data breach and identity theft. I request that the following fraudulent accounts and inquiries be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : ACCOUNTS : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} DP OF EDUC Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} DP OF EDUC Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} US DEPT ED Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Dates Opened : Various Balance : {$00.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} INQUIRIES : XXXX XXXX Date : XX/XX/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 explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Thank you for taking the time to read this letter. I'm writing because I noticed that my most recent credit report contains a late payment reported on [ XX/XX/year> ] for my closed paid XXXX Credit Card. 
I want you to know that I understand my financial obligations, and if it weren't for an oversight, l 'd have an excellent repayment record. I made a mistake in falling behind, but since then, I have diligently paid on my account. Since then, l 've had a spotless record of on-time payments. 
My wife and I are planning to apply for a mortgage, and it's come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments. 
Thank you for your consideration, and I hope you'll approve my request. 
Sincerely : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX I did not receive goods or services from a company. I contacted XXXX and told them that the company did not produce the service for me. XXXX told me to contact the company. I contacted the company and they said to contact XXXX being XXXX is the company that you actually have debt with. I contacted XXXX again and they said they'd place the charge as fraudulent and contact me within 48 hrs. They never responded. 

In XXXX I believe of this year I received a 30 day late. I contacted XXXX again to which they said they'll investigate it but kept the account on my profile. I've watched my score go from a XXXX to XXXX. 

I filed a fraud report to Experian regarding this and they've failed to remove it from my Experian report. I contacted Experian and asked how they verified this account and they said through XXXX. Courts ruled that they had to do their own investigation and could not just rely on the third party. I was denied a loan of a XXXX because of this.

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 explanation
Consumer complaint received 2024-12-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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

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 explanation
Consumer complaint received 2024-12-08 00:00:00
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.
State: MD

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and as a result, I am requesting that all accounts listed below be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Please ensure these accounts are removed from my credit report immediately to mitigate the impact of this breach. 
Accounts to be blocked and deleted : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$910.00} XXXX. XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$3800.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries to be blocked : 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 XXXXXX/XX/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
Consumer complaint received 2024-12-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and as a result, I am requesting that all accounts listed below be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Please ensure these accounts are removed from my credit report immediately to mitigate the impact of this breach. 
Accounts to be blocked and deleted : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$910.00} XXXX. XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$3800.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries to be blocked : XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to demand the immediate removal of fraudulent information from my credit report. The disputed items were not authorized by me and are the result of identity theft or inaccuracies that XXXX has failed to address despite its legal obligation under the Fair Credit Reporting Act ( FCRA ) These items were opened or reported without my authorization. I have previously notified XXXX of this matter and provided supporting documentation, but the erroneous entries remain, causing undue harm to my financial well-being. 



Violations of Federal Law 1. Failure to Conduct a Reasonable Investigation ( FCRA 611 ( a ) ( 1 ) ( A ) ) Upon receiving a dispute, XXXX is required to investigate and remove unverifiable or fraudulent information. Your failure to take corrective action violates this provision. 

2. Reporting Inaccurate Information ( FCRA 607 ( b ) ) Credit reporting agencies are required to maintain maximum accuracy in the information they report. The continued presence of fraudulent accounts on my credit file demonstrates a failure to meet this obligation.

3. Failure to Correct or Delete Fraudulent Entries ( FCRA 611 ( a ) ( 5 ) ( A ) ) If an item can not be verified as accurate, XXXX must delete it within 30 days of receiving the dispute. By failing to remove these fraudulent entries, XXXX has breached its legal responsibilities.

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 explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Continually received mail from this company. Their number is ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
In accordance with the Fair Credit reporting act.The list of accounts below has notated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Acct # XXXX, XXXXXXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXXXXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # 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 explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp.
State: WA

Complaint narrative:
Received spurious email from " TrueAccord '' operating out of address XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX, threatening credit bureaus would be notified of negative information regarding said outstanding debt not specified nor substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Enclosed is an AFFIDAVIT OF TRUTH / PROOF OF CLAIM / NON NEGOTIABLE in hopes of receiving the request documents stated therein/herein. I as the consumer am sending this through the CFPB to serve a witness of any possible non compliance on behalf of Respondent. Respondent has sold this debt to XXXX XXXX XXXX for which should there should have been a 1099-C ( Cancellation of Debt ) filed whereas income was derived for the benefit of Respondent. Affiant/Consumer should have received a copy of said 1099-C from Respondent to be filed with the Internal Revenue Service as taxable income , but Consumer did not receive any such copy from Respondent. Therefore I am giving Respondent ( COMENITY CAPITAL/ IKEA ) 10 days from the receipt of this correspondence to reply to this claim and send said 1009-C copy and any and all documentation as proscribed within the enclosed Affidavit of Truth / Proof of Claim . Specifically, the validation of the debt via XXXX ledger and other documentation described therein. Please note that said alleged sold debt to XXXX XXXX XXXX became taxable income to Respondent and should have concluded Affiant's/Consumer 's debt obligation with Respondent to which should have removed any and all negative reporting to the credit reporting agencies. Please also note that the case between Affiant/Consumer and the third party XXXX XXXX XXXX has been litigated in the court and has been moved to an Arbitration hearing and litigation through XXXX  Reference # XXXX RE : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX See uploaded documents pertaining to that ongoing case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear CFPB, I am filing a formal complaint against Equifax for their refusal to update my personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
Details of the Issue : Date of Initial Request : XX/XX/year> Documents Submitted : Personal information update letter, driver 's license, Social Security card, and utility bill ( notarized ) Response from XXXX : XX/XX/year>, stating my request could not be processed due to missing government ID ( which was, in fact, included ). 
Violation of Rights : XXXX 's refusal to update my information is a direct violation of 15 USC 1681 ( a ) ( 4 ). The FCRA mandates that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. By not properly reviewing the provided documentation, XXXX has failed to conduct a fair investigation, thus violating my consumer rights under : 15 U.S.C. 1681i : Procedure in case of disputed accuracy 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation