Product: Credit reporting or other personal consumer reports

CFPB is supposed to enforce the laws set forth by the Federal Government : 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.

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. 

( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30 days described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. 

My name, date of birth, and social security are not verified or validated by the following companies. They are only using the address. My correct name which is on my birth certificate, my social security number, and my address. The collection agencies are also selling the information after it has been disputed and placing it back on my credit report. Transunion has a current Freeze that I placed on my credit report. My correct name, address, and social security are not being used on my credit file. Transunion has changed my information. The following companies must be validated by verifying my social security number and current address. 

The following companies have wrong and incorrect information being reported to my credit report. XXXX and XXXX requested a verification and removed the accounts showing they did not have the correct information : XXXX XXXX XXXX -This account shows charged off with a balance. It also shows the account was secured. I have never had an account with this company and denied this being my account. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX This account was not charged off. The information reporting is incorrect. Please have this company provide the 1099-C documentation XXXX XXXX XXXX XXXX This can not be a charged-off account with a balance. Please have this agency provide me with a 1099-C documentation. If they can not show proof then all information is being reported incorrectly and must be REMOVED not updated from the account. 

XXXX XXXX XXXX XXXX*-This account must verify the Social Security number of the credit card. I currently have two cards with XXXX XXXX which are in good standing. They can not only provide bills due to fraud. They must provide the correct Name, Address, and Social Security number used. The account is showing an updated 2025. At no time have I ever admitted to this debt being mine. I have disputed it and this company has only provided bills that has the incorrect address. 


XXXX XXXX XXXX XXXX This is not my account. Please have them verify my Social Security number, my name and date of birth and the address. This account was placed on my credit file after the credit freeze. Transunion did not verify the information.