23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MA XXXX XXXX XXXX XX/XX/year> experian.com Attn. Customer Care XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Credit Report Information Under 15 U.S. Code 1681o To Whom It May Concern, I am writing to dispute the accuracy of certain information on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ). The following item contains errors and should be removed or corrected immediately : Under 15 U.S. Code 1681o, any party that negligently fails to comply with the FCRA is liable for damages. If this inaccurate information is not corrected within the required time, I may pursue legal action to enforce my rights. 

I have enclosed [ list supporting documents, e.g., proof of identity, payment records, fraud reports ] to support my dispute. Please conduct a thorough investigation and provide written confirmation of your findings. 

If the disputed item can not be verified as accurate, I expect it to be removed from my credit report under 15 U.S. Code 1681i ( a ) ( 5 ), which mandates deletion of unverifiable information. 

Please respond to this dispute within the legally required timeframe. If the error remains unresolved, I am prepared to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and seek legal remedies as permitted by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to XXXX was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXX  XXXX Balance {$100.00} XXXX XXXX XXXX Balance {$940.00}
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of XXXX XXXX. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX, LA XXXXXXXX XXXX XXXX  XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.
Product: Credit reporting or other personal consumer reports

A Bankruptcy XXXX : Under consumer law 15 USC 1681b credit companies are only allowed to furnish consumer credit reports to those who have permissible purposes defined by the FCRA.
Product: Debt collection

I XXXX XXXX entered into a consumer agreement with XXXX for a cell spot tower and by me being a student at the time going between jobs trying to make a living, I fell behind on the payments for it and XXXX Illegally sold my debt and Information to AmSher Compassionate Collections who are now harassing me with repeated phone calls and threats.Even with letters sent they still call with different phone numbers.Its causing me distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the XXXX XXXX XXXX entry on my credit report for violation of the FCRA and California State Law. This information has not been reported correctly nor has it be updated correctly. It states the date of last activity is XX/XX/XXXX on XXXX and on Equifax it states the date is XX/XX/XXXX. XXXX shows the account as Open and Equifax shows it as Derogatory, these are inaccurate entries. XXXX also shows the last payment was XX/XX/XXXX and Equifax shows the last payment as XX/XX/XXXX again these are both inaccurate entries and in violation of the FCRA and California State Law. The vehicle was in a non-driving accident hit by a Truck while parked and covered by Insurance once deemed it was a total loss. 
This item must be removed from my credit report immediately due to their clear violations of the FCRA and California State Law, this is Fraud!! I am sending a copy of the credit reports for both XXXX and Equifax to verify the fraudulent entries on my credit report. I request immediate removal of this item off my credit report.
Product: Credit card

I was randomly charged {$15.00} on my Apple Card and the transaction history doesnt show any type of charges for that amount. Very shady and company just keeps running me in circles when trying to get it refunded.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the account XXXX XXXX XXXX XXXXXXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Student loan

They are trying to have me pay. I am not able to pay anything due to XXXX  and not being employed. I am desperately struggling paying this loan back while having other obligations beyond my control.
Product: Debt collection

ACCT # XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXX XXXX ) Breach of trust {$500000.00} liability surety tax. subsection c laundering of money under USC 1956, civil rights act 1983, and trespassing.

according to ( 26 USC 7201 ) states : Any person who willfully attempts in any manner to evade or defeat any tax imposed by this title or the payment thereof shall, in addition to other penalties provided by law, be guilty of a felony and, upon conviction thereof, shall be fined not more than {$100000.00} ( {$500000.00} in the case of a corporation ), or imprisoned not more than 5 years, or both, together with the costs of prosecution.

Tax owed by taxpayer {$58000.00} USD for constitutional violation acting in their personal capacity for violation against a flesh and blood man/woman, malicious prosecution based upon fraud, deception on bonds, 1099A, 1099B, 1099OID Original issue discount Forms 1040. violation of 1983, 1985,1964 civil rights Acts. stealing Federal funding 40 % of taxpayer money and putting it in a private CAFR Account and Embezzlement.

The tax forms 1099A, 1099B, 1099C, and 1099OID, were filed with the IRS on XX/XX/XXXX. 
Also, I have them mailed out a check for full payment of {$58000.00} to ally that was delivered to the on XXXX XXXX After all, the discharge has been refused I then exercise my private right to rescind the transaction on XX/XX/XXXX, XXXX via overnight mail. USPS XXXX XXXX [ 15 USC 1635 f ] - right to rescind the contract
Product: Credit card

I called the number on the invoice email I received from the " company '' which they represented as PayPal. The person did not identify himself but told me that if I did not approve the charge they would cancel it but I would have to fill out a form. I have encountered similar " offers '' in the past and recognized it as a way for them to obtain additional information about my accounts. When I refused to agree to fill out his form, he simply hung up.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

XXXX XXXX XXXX  / XXXX / {$25000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( XXXX ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I filed a dispute with XXXX, Experian, XXXX regarding student loans being reporting on my consumer report. Per FERPA these companies are in violation of my privacy rights. The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post secondary schools. Im requesting for these bureaus to be in compliance with the federal law and remove this data from my consumer report indefinitely
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and do not belong to me. 

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 XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello - Two years ago I went through a divorce. As part of the divorce settlement my ex-wife was given one of our cars that we had a loan on. It was a joint account through XXXX XXXX XXXX. I asked my ex-wife to remove me from the account though she never did. She changed the mailing address for the account and login information online, so I was unable to access the account. The loan was nearly paid off, so I did n't worry about it too much. In XXXX of this year I got a notification from my credit monitoring service that the account was over 30 days past due. I contacted my ex-wife and she said it was due to a change in her billing account and fixed the issue and paid off the outstanding balance. 

Still as a result of this I now have a 30 day late payment notice on my credit report. My credit score took a hit as well, dropping from XXXX to XXXX. 

Recently, I contacted XXXX XXXX to explain the situation and inquire about having the negative mark removed from my credit report. Since I no longer had access to the account online and my ex-wife updated the mailing address to her new address. I received no notice of a past due balance. XXXX said they were sympathetic but unwilling to remove the mark.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2024 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 XXXX I ALSO NOTICED A SLEW OF CREDIT INQUIRIES THAT I HAVE NOT AUTHORIZED. IT APPEARS THAT SOMEONE HAS ATTEMPTED TO ACCESS A AUTO LOAN IN MY NAME. I HAVE NOT AUTHORIZED XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AND MORE TO REPORT TO MY PROFILE
Product: Credit card or prepaid card

I purchased an office chair on XX/XX/XXXX using my Amazon Synchrony credit card, along with a {$20.00} 3 year warranty. We returned it because it was very cheaply made and was not accurate when it said it would hold a heavy person, it was flimsy. I went online to start the return process and selected the return to original payment method. I called the credit card company a few days later and the lady assured me it would be refunded to my credit card, just give it a few days to show up. Well on XX/XX/XXXX when my payment was due, the {$170.00} was still not refunded, yet the {$20.00} was. I called customer service and was given the run around, passed all over the place, until finally I spoke with XXXX. She told me that it was refunded to my gift card balance! I was very upset, and asked her why. This was so unfair, I paid with it by credit card, and it should go back to my credit card, but instead I am stuck out of {$170.00} because they put it on there, so they could still get my money and hold it hostage, forcing me to still give them almost {$200.00} of my money. She claimed that I selected return to gift card, I DID NOT DO THAT, why would I do that, I selected return to original payment method! Furthermore, the warranty was on the same transaction, why did the {$20.00} get refunded to the card, and not the {$170.00} get refunded to my card? It is very suspicious and indicitive of dishonest and unethical business practices! This is so wrong and evil! I need my money refunded, not put on the amazon gift card, where I am forced to use my money on their company for an item I returned! I want a full investigation of this company and their egregious, dishonest and shady business practices! I have now been forced to pay {$170.00} on this account, when it should have been refunded to me, and money is so tight right now, to have to be paying for something I returned and now have to be hostage to Amazon for my money to use it ONLY ON THEIR COMPANY! So wrong!
Product: Credit reporting, credit repair services, or other personal consumer reports

Below are the names of people and/or organizations who have obtained a copy of my Credit Report without my knowledge. It is my understanding that you should n't be allowed to put an inquiry on my file unless I have authorized it. Because of this I initiated several disputes and was told I had to contact the companies directly. After doing so none of the companies responded, so I re-contacted the credit bureau via telephone and In their response, they stated AGAIN if I wanted to dispute things further, I needed to contact the direct company however according to Section 611 of FRCA says you can request the method of verification from the reporting agency and if such agency doesnt have legal validation : documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, then such reporting agency must delete the file. I also requested the name, address, and telephone number of each person contacted regarding the accuracy of the reporting of the accounts and specified that any automated response or XXXX verification is unacceptable. 

As of XX/XX/XXXX, the bureau is refusing to show proof of validation or to delete the below inquiries, as they dont belong to me. 

XXXX XXXX XXXX other than personal XX/XX/XXXX ;  XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX/XXXX Miscellaneous XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX/XXXX Credit card and travel / entertainment companies XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX-XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX Not Elsewhere Classified XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX - XXXX XXXX Other Collection Agencies XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX ; XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Remove the following account from my credit report due to false and misleading information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting the wrong information such as the balance and account activity. I have included the response letter from the original creditor stating that the balance activity was last updated in XXXX, but you are reporting activity in XXXX. The payment information is also inconsistent between all XXXX credit bureaus. This is a violation of the FCRA. Lastly, this account has been re-aged and is past the statute of limitations in the state of Texas. This debt has been uncollectible since XXXX. This account is to be removed from my credit report within 7 days of receipt of this complaint or I will move forward with my intent to sue. Please be aware that this is not a third party, and I am standing firm in my belief that your company is furnishing incorrect information causing harm to me as a consumer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XX/XX/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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.