23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$68.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice is hereby given, and a statement of fact made, by the consumer, the natural person, original creditor, lender, the executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being thee executor both public and private for all matters proceeding and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it ; 1. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 2. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of truth being serviced to you today and therefore, standing as truth in commerce, co be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me from receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and Fact, affiant is aware and has proof in the attachment labeled as Exhibit D, D and g that THD/ CBNA, XXXX, and XXXX are in violation of 15 U.S. CODE 1681 ( A ) ( 4 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692 ( D ) ( 1 ) ( 3 ) 15 USC 1681 ( A )
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report XXXX XXXX XXXX XXXX ACCOUNT XXXX {$900.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$990.00} XXXX XXXX XXXX XXXXXXXX {$420.00} XXXX XXXX XXXX XXXX XXXX {$740.00} XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.

I contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Debt collection

I did a 6 month lease expiring XX/XX/XXXX ) XXXX. It was me and roommates. I we did not want to live together anymore but they wanted to stay. I left XX/XX/XXXX and sent written notification to XXXX. My mom paid XXXX rent. My roommate filed a restraining order on me. Before I was served I went to the office and they said I was off the lease. I need a copy of the charges as I can't believe they total {$7600.00}. XXXX was {$2000.00} ; a month and we had a {$4000.00} deposit. I sent collection company restraining order and offered to order the court testimony video where roommate acknowledges I and my property are no longer in unit. I couldn't communicate with XXXX because the restraining order needs t only covered apt it also covered the office. From the lease it reads someone with a court order against them is only responsible for rent through the end of the term.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft. I recently learned that XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number # # # # # XXXX is reporting my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to Equifax, XXXX and XXXX by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA.
Product: Student loan

On XX/XX/XXXX, XXXX money orders and a Payoff Detail loan letter were mailed to Mohela with the intention of paying off one of my loans to close that account. The money orders consisted of XXXX {$1000.00}, a {$620.00}, and a {$500.00} to pay off my loan totaling {$4100.00}. My requested pay off date was for XX/XX/XXXX, and this loan was disbursed to me on XX/XX/XXXX. Only XXXX of these money orders were applied to my loan payment, but all money orders were cashed on the same day, XXXX XXXX XXXX. In XXXX, I noticed that only one payment was applied to my account for {$620.00}, and it wasn't even applied to the intended loan. So 4 of my 5 money orders are currently missing, I asked to submit an investigation to get it sorted out, but after months of calling in to check for a status, there has been no updates and every time I had to give information again and again, it felt as if none of my information was being recorded or being kept track of. The last representative I spoke with, I kept asking to escalate me and she did not ever let me, I don't even think she was doing anything to check on the account until I asked to speak with a higher up. She put me on hold multiple times, probably waiting for me to get tired and hang up, it took a long while. I tried calling back today and now they just hung up on my call, and the wait time is ridiculous to keep calling back over and over again. As of right now I don't know if the matter has been looked into or if they care to check on my account. I don't know what information they are keeping recorded, I submitted images of my paystubs with information on dates, which loan, and when it was supposed to be cashed.
Product: Credit card or prepaid card

On XX/XX/2021, AMERICAN EXPRESS denied my application for obtaining credit with their XXXX XXXX XXXX XXXX XXXX. This is in violation of 15 USC 1691 ( a ) ( 3 ), of the FDCPA. ( proof attached ). AMERICAN EXPRESS is not allowed to deny me my OWN credit. Pursuant to 15 USC 1602g and 15 USC 1602j, under the TILA, I am the Original Creditor and I have an open-ended credit plan. Pursuant to the FCRA, a credit report does not determine whether I get " approved '' or not. Credit Reporting Agencies assumed the role of creating credit reports and files. AMERICAN EXPRESS 's denial has not allowed me to obtain the credit I am entitled to as an Original Creditor and has caused my life and business stress, violating my rights as a federally protected consumer under 15 USC Chapter 41.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Despite XXXX written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. In Accordance with the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Dear Representatives of XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX, To clarify your fiduciary capacity, I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to your possession of the account attached to XXXX XXXX with last 6 of VIN XXXX last 4 of social XXXX. 

In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : 1. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. 

2. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. 

3. Copies of any contracts, agreements, or instruments related to the chose in action. 

4. Pertinent correspondence, communications, or notices related to the chose in action. 

5. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. 

Chose in action means property or the proprietary right over property Property means the equitable interest, use of a thing We appreciate your prompt attention to this request and ask that you provide the requested documentation within 10 days. 

Thank you for your cooperation and timely attention to this matter. 

Kind Regards,
Product: Credit reporting or other personal consumer reports

To whom it may concern,, I looked at my report. I sent a letter to Equifax asking them to reinvestigate these accounts : XXXX  XXXX, they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure 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.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- the person has been notified by the consumer, at the address specified by the person for such notices, that specific informatin is inaccurate; and ( i ) the information is, in fact, inaccurate.

Equifax really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT HAVE TO BE SPECIFIC AT ALL WHEN YOU HAVE DOCUMENTATION THAT I SENT CERTIFIED MAIL. YOU WILL BE SUED. REMOVE ALL NEGATIVE INFORMATION SUCH AS FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX AND ALL INQUIRIES ( ALL INQUIRIES ) OFF OF MY REPORT! EQUIFAX YOU ARE STILL IN VIOLATION OF BREAKING THE LAW. 

EQUIFAX IS IN VIOLATION AND A SERIOUS BREACH OF TRUST. YOU HAVE VIOLATED THE TRUTH AND LENDING ACT AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ( XXXX XXXX, EQUIFAX, AND XXXX ) IS IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!

I NOW WILL BE GETTING THE ATTORNEY 'S GENERAL, XXXX XXXX XXXX, LOCAL AND NATIONAL TELEVISION STATIONS INVOLVED!
Product: Debt collection

# 1Original bill was with the XXXX, XXXX XXXX XXXX XXXX dated XXXX/XXXX/XXXX and in the amount of {$280.00}. The account was referred to collections between XXXX & XXXX. 
# 2Bill for collection was originally assigned to XXXX XXXX XXXX in the amount of {$280.00} # 3On XXXX XXXX, XXXX I received a notice from XXXX the account was referred to XXXX XXXX XXXX who re-aged the account to the date XXXX/XXXX/XXXX. 
# 4Due to the age of the debt XXXX original date XXXX/XXXX/XXXX XXXX it had " aged '' off of all XXXX Credit Bureau Reports. 
# XXXX placed the collection back in all XXXX of my Credit Bureau files with re-aged dates : XXXX Date of XXXX delinquency of XXXX placed for collection XXXX date opened XX/XX/XXXXThe above referenced medical bill is a dead account dated XXXX/XXXX/XXXX that had long since aged out of my Credit Bureau Files when XXXX XXXX purchased the bill and then re-aged the account to XXXX/XXXX/XXXX. They then placed it again in all XXXX of my Credit Bureau Reports. This action has fictitiously made it appear to be a newer account resulting in the account now staying in my Credit Bureau files longer than the legal time frame of 7 years. This has had a negative impact on my credit scores resulting in lower scores and denials of credit. 
I have tried on numerous occasions to reach out to XXXX have this removed from my Credit Bureau files only to be told by them I have to contact the collection agency. I was advised not to contact the collection agency due to the re-aging. 
Attachments : Copy of bill from XXXX, XXXX XXXX XXXX XXXXCopy of collection letter from XXXX XXXX XXXXCopy of notice from XXXX XXXX XXXX XXXX XXXXCopy of Page XXXX of XXXX dated XXXX/XXXX/XXXX from XXXX showing collectionCopy of Page XXXX of XXXX dated XXXX/XXXX/XXXX from XXXX showing collectionCopy of Page XXXX of XXXX dated XXXX/XXXX/XXXX from XXXX showing collection
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX & XXXX XXXXXXXX XXXX XXXX, CA XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX  To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and remove some of the data on my credit report, but there are still some items that need to be deleted. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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
Product: Debt collection

I signed up With XXXX for internet and TV services and was told I would have 30 day guarantee to cancel service if I was unhappy. I canceled the service on the 32nd day but was charged for 60 days of service. 

I was never told that I would be charged for a full second month. The service was disconnected and the bill was paid for 32 days. 

They refuse to credit the bill for the other 28 days and have now turned it over to a collection agency that is reporting it on my credit report for something I did not receive the service for.
Product: Credit reporting or other personal consumer reports

Hello, I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.
Product: Credit reporting or other personal consumer reports

I have a credit freeze with the credit bureaus and they are sharing my information with promotional companies without my consent.
Product: Credit reporting or other personal consumer reports

I WOULD LIKE TO DISPUTE OFF THESE NEGATIVE ACCOUNTS ON MY CREDIT REPORT. 

EQUIFAX : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX {$76.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$480.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$22000.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$6100.00} XX/XX/XXXX U S DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX {$0.00} XX/XX/XXXX U S DEPT OF ED/XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX {$37.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$480.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX {$22000.00} XX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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.