Date Received: 2024-01-11
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX XXXX XXXX has a negative account reporting on my credit report, per the XXXX XXXX XXXX XXXX is not authorized to report in the boundaries of my state of North Carolina and the documentation is attached as well as I have sent National credit systems a letter requesting debt validation back on XX/XX/2023 and they just like the credit agencies have failed to verify the method of verification of all disputes as requested as well as XXXX XXXX XXXX has failed to validate the debt. Equifax, XXXX and XXXX are in violation of US USC 1681i ( 6 ) ( b ) ( iii ) and 15 usc 1681i ( 7 ) not providing the method of verification is a willful neglect of non-compliance of 15 USC 1681N. I have requested the method of verification several times from these agencies and they only reopen the investigation and send back a verified generic message. the companies have caused credit defamation by reporting thee inaccurate accounts and have failed to perform their due diligence to ensure they are reporting accurate information, had they performed their research they would of known national credit systems is not authorized in the state of NC to collect a debt.
Company Response:
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXXXXXX XXXX is reporting that I was late on my payment back in XXXX of 2023. It is currently being reported to XXXX, Equifax, and XXXX. However, I was never late for any payment. Incorrect data is being reported to all 3 credit bureaus.. In the past, I have talked to XXXXXXXX XXXX and it was supposed to have been fixed but still it is not fixed.
Company Response:
State: GA
Zip: 30115
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: These accounts have been charged-off, meaning it is now considered a certificate of indebtness & income, which should be reported with a 1099C. Income can not be reported on my credit report. XXXX XXXX Account : XXXX balance {$800.00} Credit XXXX XXXX Account : XXXX balance {$540.00}
Company Response:
State: TX
Zip: 75090
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My Only First & Last Name XXXX XXXX XXXX My Only Address XXXX XXXX XXXXXXXX XXXX The last 4 of my SSN # XXXX My Only XXXX recently disputed fraudulent negative information that was on my consumer report. I reached out to XXXX, XXXX and Equifax, XXXX XXXX XXXX XXXX XXXX XXXX I sent over paperwork from the FTC, the XXXX, the California, consumer protection and innovation, state attorney, general complaint, as well as a signed affidavit of truth, their investigation rendered nothing changed on my consumer report 15 USC 1681| ( A ) ( 1 ) ( A ) ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. " So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Yet XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IS reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. Legal Violations and Reasons : Cease and Desist I allege that XXXX, XXXX, and Equifax are in blatant violation of the following U.S. codes and legislation for the reasons specified : 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt. 15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports. 15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681i : Inadequate procedures for disputing the accuracy of my consumer reports. 15 U.S. Code 1681b : Unauthorized access or use of my consumer reports for impermissible purposes. H.R. 3046 Social Security Number Privacy and Identity Theft Prevention Act of 2007 : Unauthorized use or disclosure of my Social Security numbers. Section 326 of the USA PATRIOT Act : Failure to verify my identification by financial institutions. Gramm-Leach-Bliley Act, Section 501 : Failure to ensure the security and confidentiality of my personal and financial information. Gramm-Leach-Bliley Act, Section 502 : Unauthorized sharing of my non-public personal information with non-affiliated third parties. Gramm-Leach-Bliley Act, Section 504 : Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk -NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE AGENT- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive sent papers from the US Justice Department XXXX EQUIFAX XXXX have continue to violate multiple FCRA laws they continue to violate my federalrights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15, US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate.Fraudulent ) under Federal law, and I have sent this notification to all of the creditors and consumer reporting agencies and have sent multiple documents supporting my claims Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCP.NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT - ( ( XXXX XXXX EQUIFAX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ) THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site XXXX XXXX XXXX I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( 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 XXXXXXXX is in violation of ( 18 U.S.C 894 ) for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX /furnishing this information to my consumer report I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX EQUIFAX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c- 2 - Block of information Resulting from identity theft 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, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of nformation identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX EQUIFAX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX XXXX EQUIFAX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply ( 15 USC 1681c-2 - Block of information resulting from 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 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, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above. My only Phone number is XXXX XXXX XXXX XXXX Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section.
Company Response:
State: CA
Zip: 91367
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: According to the f.c.r.a legally these unauthorized & unverified items must be removed. They are causing hardships in my life.
Company Response:
State: NY
Zip: 11722
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I hope this letter finds you well, although I must express my profound disappointment and frustration with the recent findings on my credit report. I recently conducted an investigation into my credit history, a process that has left me in a state of severe distress upon discovering multiple unverifiable, invalidated, inaccurate, and questionable items. Under the Fair Credit Reporting Act ( FCRA ), it is imperative that the information on my credit report is accurate and up-to-date. Regrettably, the items in question fail to meet this fundamental requirement, thereby violating the provisions outlined in 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). These discrepancies not only compromise the integrity of my credit history but also have had a significant impact on my emotional well-being. I have taken the necessary steps in accordance with the FCRA, which includes disputing these inaccuracies through written correspondence. Attached to this letter are copies of all the letters I have previously sent in an attempt to rectify these issues. I am reaching out to you in the hope that your agency will promptly and thoroughly investigate these matters. It is essential that corrective actions are taken to ensure the accuracy and fairness of my credit report. The persistence of these inaccuracies not only undermines my financial standing but also violates the rights afforded to me by the FCRA. I kindly request your immediate attention to this matter and the initiation of a comprehensive investigation into the aforementioned discrepancies. Your cooperation and prompt resolution of these issues are crucial to restoring my faith in the credit reporting system. Thank you for your attention to this urgent matter. I anticipate your swift response and resolution to bring my credit report into compliance with the FCRA.
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I found a significant amount of inaccurate information on my credit report, which I have been disputing online and through the mail. I have a My Equifax account where I can view my credit report, score and dispute items online. For the last 3 months, when I log in, I get the following error message : Your Equifax credit report summary is currently unavailable. Please call our Customer Care team at XXXX XXXX XXXX XXXX or try again later. We are temporarily unable to retrieve the status of your security freeze. Please try again later. We are temporarily unable to retrieve the status of your active duty or fraud alert. Please try again later. First of all, I don't have a security freeze on my account nor do I have a fraud alert on my account. I can not view my credit report, score or access my online disputes. I've called 6 times and they tell me every time that they will escalate the issue but I never hear from anyone and they never fix my account. I've wasted countless hours on the phone with Equifax and they have done absolutely nothing to resolve my issue. Today alone, I've been on the phone for over 45 minutes and I'm still on hold. I've spoken with a supervisor, a manager... the supervisor today told me he only sees that I've called one time about this issue but I've called 6 times and today is my 7th call. I used to be able to log in, see my score, my credit report and dispute information just fine. The problem is not on my end and I need this resolved immediately because I can not fix the errors on my credit report nor can I monitor the activity. In a separate attachment, I will provide my login information, ID, and information to identify myself. Please do NOT send me a letter stating I have to mail my identification information because it is attached. Dealing with these credit reporting agencies is a joke. How are we supposed trust them with our information? They are inept at credit reporting, they do not investigate disputes properly, it takes forever to reach them on the phone and their customer service is below substandard.
Company Response:
State: FL
Zip: 33067
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX. This account was included in my bankruptsy case discharged on XXXX XXXX. This account was transferred or sold, however is showing on my credit report under a different account XXXX XXXX XXXX XXXX XXXX Recently they added a balance owe as well.This is a form of XXXX to keep hurting my credit score. This is DUPLICATE account in my credit report that is causing double impact on my credit score. The personal information listed below requires attention as well. Inconsistence LAST DAY PAYMENT and LAST ACTIVITIES DAY are different on each credit berau, everything in my credit report have to be 100 % complete and accurate and those dates are inacurate.
Company Response:
State: PR
Zip: 00646
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Company Response:
State: NC
Zip: 28213
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Company Response:
State: AZ
Zip: 85255
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A