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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Consumer Loan

i submitted payment to my auto finance company, they never presented it to my bank, but they told me it failed, to go through, not nsf, but failed, i had the funds available in my account on XX/XX/2016, they never attempted to collect so that they could continue to collect daily interest!! in turn when i submitted my next payment, it went 100 % to interest!!
Product: Credit reporting or other personal consumer reports

Its inquires on my report that I didn't authorize so I know for a fact that they can't be verified. So therefore they can't be reported on my report and must be deleted immediately.
Product: Credit reporting or other personal consumer reports

Every company but equifax removed the fraudulent inquiries but none of them are reported that right information they have 16 on their none of the agencies are reporting the same information and none of it is credible or reliable or accurate and I'm tired my name has been in numerous data breaches and none of the agencies are trying to fix anything for me
Product: Credit card or prepaid card

This bank closed XXXX XXXX car wiwuhour my notice nor fair I just got this account they raise my limit then the same week They closed it
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 DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} - Tied Up to Open Account XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} - Tied Up to Open Account XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX "
Product: Credit reporting or other personal consumer reports

Its been repeatedly reported on my credit report that a charge off happened for 6 months straight after the account was closed, this account said I was 30 days late in XXXX XXXX XXXX, but it also has my last payment being made in XX/XX/year>, further in XXXXXXXX XXXX XXXX the account was charged off, I was never given my XXXX from this company, by definition the IRS considers cancellation of debt and charge offs income, so since this debt is now having to be reported to the IRS the credit bureau should not have this on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX accounts below violated my rights to laws 15. U.S.C. 1681 Section 602A- which states that I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2- Consumer Report Agency can not Furnish an account without my written instructions. I have sent several request to remove this information. On XX/XX/XXXX, XX/XX/XXXX and they have not complied. Below are the accounts : XXXX XXXX ( XXXX SYNCHRONY BANK ) # ACCOUNT XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX # ACCOUNT XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX  ( XXXX )
Product: Mortgage

Everbank did not send me any information to explore my loss mitigation options,  NOR  did they file an order notice as required by law in massachusettes at the registry of deeds, nor was I notified of the auction. Auction  date   XXXX  - I h ave an investor that wants to short sale need more time. I have n't received any correspondence on the foreclosure date by mail .Was notify by someone other than everbank Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has a debt from XXXX XXXX XXXX amount of {$580.00}. They ( XXXX XXXX XXXX XXXX ) are saying they have no knowledge of the tracking information of the return box they sent me when returning my phone. I closed out my XXXX account because I was switching to XXXX. XXXX sent me a return box with a return label ( THEIR TRACKING INFORMATION ). I dropped the phone off at the facility as told to be returned. That location was busy so I just dropped the phone off. WHY CANT XXXX LOCATE THE PHONE THEY ARE THE ONES WHO PROVIDED THE TRACKING AND RETURN INFORMATION! This shouldn't even be on my credit report.
Product: Debt collection

The fraudulent acquisition and use of a person private identifying information, for financial gain. Infringement upon a consumer 's right to privacy! 
Plus violations of Codes : 15 USC 1692a. ( 6 ) ; 15 USC 1692b ; 15 USC 1692c. ( a ). ( b ) ; after I sent a certified letter to 15 USC 1692c. ( c ) was violated this debt collection sent me another attempt to collect a debt letter. This is a violation!

15 USC 1692e. ( 1 ). ( 10 ) ; 15 USC 1692d. ( 1 ) ; 15 USC 1692j. ; 15 USC 1692k. ( a ) ; = INVOICE for {$10000.00}. 
and I want this Delete from my consumer report and any of there affiliates data sites.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  XXXX of inquiry : XX/XX/XXXX ; XXXX  Date of XXXX : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXXate of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 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. 

Account Name : XXXX XXXX XXXX OF XXXX # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$5300.00} Account Name : XXXX XXXX XXXX OF XXXX # XXXX - DATE OPENED XX/XX/XXXX XXXX BALANCE {$1600.00} Account Name : XXXX XXXX XXXX OF XXXX # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$3400.00} Account XXXX : XXXX XXXX XXXX OF XXXX # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$4100.00} Account Name : XXXX CARD # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$220.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXDate : ** XX/XX/2024 **Subject : ** Formal Dispute Regarding Credit Report Inaccuracies, Violations, and Request for Remedies I am writing to formally dispute several inaccuracies and violations in my credit report as maintained by your agency. These errors have caused significant financial harm and distress. Below, I detail the specific discrepancies, legal violations, and supporting evidence. Attached exhibits are provided for your review. 

XXXX XXXX XXXX XXXX XXXX XXXX*Disputed Items** XXXX XXXX XXXX XXXX  1. **Incorrect Personal Information** - **Issue : ** Inaccurate name and address listings.

- **Violation : ** Fair Credit Reporting Act ( FCRA ) 15 USC 1681e ( b ). 
- **Details : ** - Incorrect names reported : XXXX XXXX XXXX, '' variations of " XXXXXXXX XXXX XXXX XXXX' - Incorrect addresses listed : [ Address variations as identified in the reports ]. 
- **Exhibit : *XXXX XXXX XXXX XXXX XXXX XXXX  2. **Late Payment Reporting Errors** - **Issue : ** Late payments inaccurately reported.

- **Violation : ** FCRA 15 USC 1681s-2. 
- **Details : ** - XXXX XXXX XXXX XXXX XXXX XXXX : Multiple late payments misreported. 
- XXXX XXXX XXXX XXXX XXXX ) : 3 late payments misrepresented.

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Late payment inaccurately recorded.

- **Exhibit : ** XXXX XXXX XXXX XXXX XXXX  3. **Fraudulent Accounts** - **Issue : ** Accounts opened fraudulently without my consent.

- **Violation : ** FCRA 15 USC 1681q. 
- **Details : ** - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Fraudulent account activity. 
XXXX XXXX XXXX XXXX XXXX XXXX  : Unauthorized account and reporting errors. 
- **Exhibit : *XXXX XXXX XXXX XXXX XXXX 4. **Unauthorized Credit Inquiries** - **Issue : ** Unauthorized hard and soft inquiries conducted without consent.

- **Violation : ** FCRA 15 USC 1681b, 1681q. 
- **Details : ** - XXXX XXXX ( Date : XX/XX/2024 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- **Exhibit : XXXX XXXX XXXX XXXX XXXX XXXX 5. **Re-aged Accounts** - **Issue : ** Re-aging of closed accounts to extend derogatory reporting periods.

- **Violation : ** FCRA 15 USC 1681c ( a ) ( 4 ).

- **Details : ** - Account re-aged : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XX/XX/2019 - A recent class action lawsuit accuses XXXX XXXX of forcing their customers to pay interest on ... affirm these common sense understandings, but XXXX XXXX XXXX actual practice does not. ... XXXX XXXX XXXX  XXXX XXXX ) XXXX, Case No.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent dispute letter XX/XX/XXXX and investigation was not done within 30 days - so the negative items must be deleted. Thank you. 

P.S. I have proof attached.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX i have never had an account with this Company and they are reporting on my report along with the original Creditor who is XXXX XXXX they are bout reporting the same information at the same time so on my report it looks like i owe them along with XXXX Fed also the account with XXXX XXXX has been over 8 years old but this company is now reporting it as a new account... 

XXXX XXXX has updated and remove from my transition credit report and i need them to remove it from my XXXX AND EXPERIAN
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX  XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX  XXXX XXXX XXXX : {$1000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX  XXXX XXXX Balance : {$990.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX
Product: Checking or savings account

Continuously allowing charges to my account, Continuously charging nsf fees overdraft fees as I am preferred customer been boa client 12plus years with a lot of money direct deposits. I am so upset as I am elderly and problem continuing.

Help
Product: Payday loan, title loan, or personal loan

I default it on my installment loan with Fifth Third Bank. My account went into collections and I asked them to put me on a do not call list a cease-and-desist do not call my phone number XXXX they are now calling my phone number
Product: Debt collection

On XX/XX/23 Lockhart , Morris & Montgomery , INC is reporting a medical debt under {$500.00} and violated permissible purpose.
Product: Credit reporting or other personal consumer reports

I filed a report twice regarding Lexus Nexus, I never received any letter from them both in XXXX or XXXX. 
Lexus Nexus sent a general letter only to the CFPB to get you to case closed but no letters were ever mailed to me. 
When I called Lexus Nexus the case is still open so they are lying to the CFPB No letter was received from them and you keep closing the case I also request my report file since XXXX and never received it. 

Is CFPB the one who is responsible for these agencies not giving me my report,? 

XXXX. I filed a complaint twice with the CFPB explaining No report with a letter head with my name and address were ever received twice from Lexus Nexus. They only sent CFPB this to get you to close the file XXXX. I requested my credit file since XXXX and was told it will take 10 days. 
I never received anything 3. Lexus Nexus is only sending the CFPB a fake letter created to get you to close my complaint The company letter sent to you I never received both. 


XXXX. I called myself requesting their reports and never received anything. 
I filed a dispute and they never responded back XXXX. Why are you allowing this agency to lie to consumers and create fake letters with my name address to you with my name. 
Are they making a mockery out of me and a federal agency CFPB. 


XXXX. Do you understand how I feel CFPB have failed not protecting us consumers.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a collection/charge-off entry related to account number XXXX, originally opened with XXXX and listed as a charge-off/collection on my credit report. The entry listed is dated Date of Charge-Off/Collection. 

I don't fully acknowledge my responsibility for this account, and I have since taken steps to improve my financial management and stability. In acknowledgment of this, I am kindly hoping you might consider this a request for goodwill I am asking for the removal of this negative item from my credit report.
Product: Debt collection

I am filing this dispute because the debt collector failed to fully comply with my debt validation request, which is my right under the Fair Debt Collection Practices Act ( FDCPA ). On XXXX, I sent a verification letter to LVNV Funding LLC c/o Resurgent Capital Services requesting complete documentation to validate the alleged debt. Specifically, I requested : A detailed payment history : I asked for an itemized account of all payments and charges related to the debt. Proof of the collectors authority : I requested documentation such as a sale or purchase agreement that shows they have the legal right to collect on this debt. Proof of my liability : I asked for evidence that I am the individual responsible for this debt, including any documents or agreements that I may have signed. Legal authority to collect in Michigan : I requested proof that they are legally permitted to collect this debt in the state of Michigan. Information on the age of the debt : I asked for details on when the account originally went into default with the original creditor. Although the collector responded within the required 30-day window, their response was limited solely to screenshots of my account dashboard from the original creditor. They did not provide any of the requested detailed payment history, documentation of their authority to collect the debt, proof of my liability, legal authorization for collection in Michigan, or information on the age of the debt. Because the response is incomplete and fails to meet the requirements for proper debt validation, I dispute the legitimacy of this alleged debt. I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that the collector removes this collection from my credit report with the 3 major credit bureaus, XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon paying for my vehicle at lease end a payment was taken from my bank account that was not due. 45 days after the payment was taken from my account I received a notice from Trans Union stating that I am currently delinquent on the account and that I have been 30 days late.

I called XXXX to let them know and they stated that I will have make a request in writing and that it may take 90 days to correct the discrepancy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection Account has violated my rights under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Code 6802 - Obligations with respect to disclosures of personal information b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was never informed of my right to opt out of this information being reported to XXXX, Transunion, nor XXXX.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX, has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( ii ) 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 1681s-2 they are suppose to 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.

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

sent out letter with copies of my driver 's license and social card and utility bill to get my address updated and haverequested to delete other address that do not belong to me.