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

I am a natural person, I am a living human being. I have rights under 15 U.S.C 1681.

Equifax is governed by 15 U.S.C 1681. They have violated my rights numerous times. I demand that these accounts be removed because according to 15 U.S.C 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts. These accounts have been litigated and balances reported are incorrect. Both of these accounts have been closed and delinquent past the statutory time allowed to be reported. The company reporting these items hasnt submitted a closing date because it proves that the accounts are in violation of the statutory law. There hasnt been a thorough, reasonable, or fair investigation. If there was these credit bureaus would have noticed the violation and corrected it XXXX recognized the inaccurate information and removed them. Ive submitted enough legal documentation for them to do a fair investigation XXXX XXXX XXXX XXXX XXXX  ) are the items in reference
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX XXXX please delete any and all variations of my name THEY ARE NOT ACCURATE. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I AM A VICTIM ON ID THEFT. THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE THE FRAUDULENT ADDRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have phones numbers that are not mine showing as well please delete this unknown phone numbers ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

FCRA Vilolations not mine notmy XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Account charged off/Never late. {$4300.00} written off. {$4300.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$4200.00} Status Account charged off/Never late. {$5500.00} written off. {$4200.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$5800.00} written off. 
not my morgage XXXX XXXX XXXX XXXX  Account number XXXX Account type FHA Mortgage ws never late DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$700.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$6700.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$4000.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$9500.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$13000.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$3700.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2600.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$580.00} Status Open. 
DEPT OF ED/XXXX Potentially negative Date opened XX/XX/XXXX Balance {$620.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$7000.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$6900.00} Status Open. 
not my addreses XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX not my phone numbers ( XXXX ) XXXX XXXX ( XXXX ) XXXX Cellular not my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my inquiries XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX
Product: Consumer Loan

Since i have purchased this car i have been trying to get issues fixed. I can not get money back for the warranty that i asked to cancel over a year ago. They charged me a pickup payment that was paid that same day in the dealership. i want that back as well. They are charging me insurance when i have my own. They will not refund the money i had to pay them to get my car turned on for this so called insurance. They are not accepted to get my tag as well and i had to pay {$160.00} to get my car re-register. They are still demanding that i pay for insurance even though they have validated my insurance weeks ago.
Product: Credit reporting or other personal consumer reports

RE : Social Security XXXX and account reported from : Creditor : XXXX XXXX XXXX XXXX Account : XXXX Reason : Under penalty of perjury, I swear this account is false and misleading. Please remove it from my credit report. 

Creditor : U S DEPT OF EDXXXX ( Original Creditor : CONSOLIDATED DIRECT LOAN ), Account : XXXX Reason : Under penalty of perjury, I swear this account is false and misleading. Please remove it from my credit report. 

Creditor : U S DEPT OF EDXXXX ( Original Creditor : CONSOLIDATED DIRECT LOAN ), Account : XXXX Reason : Under penalty of perjury, I swear this account is false and misleading. Please remove it from my credit report. 

Creditor : XXXX XXXXXXXX XXXX XXXX Account : XXXX Reason : Validate Account. Please ensure that all information is accurate. 

Creditor : XXXX XXXX Account : XXXX Reason : Under penalty of perjury, I swear this account is false and misleading. Please remove it from my credit report. 


ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENTS ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/ AND OR ALPHANUMERIC SOURCE CODES ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, -STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT. ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, XXXX. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my follow up request regarding the inaccurate account in my credit file. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file. This is the account that needs attaention : XXXX XXXX XXXX XXXX  Balance : {$810.00}
Product: Debt collection

There is a company on my credit report call MBA Law that portrays themself as a law office collecting a debt. However, one I never received any correspondence from them about this. Number two I never gave anyone any permission to sell my information to anyone to harass me about money. I did not sign any paperwork with this company so I know they have no signature on file for me.
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a Federally Protected Consumer I am now opting out of ANY and ALL authorization I the consumer may have given you written, unwritten, verbal, and non verbal per 15 USC 6802.

Effective Immediately & Indefinitely.
Product: Credit reporting or other personal consumer reports

i did a pre approval with gravity autos in XX/XX/year> and the representative kept running my credit without consent thru the end of XXXX. i have a freeze on my credit so he kept running it to get an approval without my consent. he was later fired from the company as stated by XXXX XXXX when contacted about the inquiries.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description, but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 

XXXX XXXX Card Account Number XXXX XXXX XXXX XXXX XXXX XXXX 30 Day Late Payment XXXX to XXXXXXXX XXXX XXXX Account Nunber # XXXX ( XXXX ) - 30 Day Late Payment XX/XX/XXXX - XX/XX/XXXXXXXX XXXX XXXX Account Number XXXX XXXXXXXX ( XXXX ) - 30 Day Late Payment XXXX to XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to unfair practices and inadequate customer service which violate the CFPA or Consumer Financial Protection Plan. The app Cash App failed to take effective and timely measures to prevent fraud on their platform. This makes my account unprotected. The dispute resolution process was deceptive and unfair. They did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused major inconvenience, leaving me with financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my wife recently reviewed and found multiple accounts that have been opened in my name without my knowledge. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions. I was not notified by the credit bureaus or creditors within the required 5-day window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights. 
the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt attention to this matter. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a Victim of Identity Theft. I have asked Experian to remove a Fraudulent account Listed On my credit file. The Name of the Account is XXXX XXXX Account XXXX is XXXX, this collection does not belong to me and must be removed. 
Despite Six written requests to Experian, the unverified Fraudulent item listed below still remain on my credit report in violation of Federal Law. Experian is required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of Experian first investigation and subsequent reinvestigation, Experian stated in writing that they verified that this item is being reported correctly? Who verified this account? Experian has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) Experian has failed to prove that this fraudulent collection account belongs to me, therefore, Experian must remove this account. 

I am attaching XXXX XXXX XXXX XXXX XXXX XXXX. XXXX where it shows that a fraud case is on file in XXXX XXXX XXXX Virginia. 
I am also attaching my Drivers license and social security card for proof of Identity. 

I am also attaching the responding letter that Experian has send me without any proof of verification ( a consumer contract with my signature on it ) Please Help!
Product: Vehicle loan or lease

Want to confirm Wells Fargo handled my car loan correctly as it was surrendered due to repossession. This would have occurred in XXXX to XXXX.
Product: Debt collection

National Recovery has been harassing me via voicemails, emails and texts for a debt that was paid to XXXX XXXX in XXXX of XXXX. We sold this property back in XXXX and the bills were going to the wrong address. As soon as I received the bill in XXXX of XXXX, I called XXXX XXXX and they informed me to pay it on their website, which I did immediately. I have sent National Recovery proof of payment via email as well as texts. I called into their offices on multiple occasions and they always instruct me to email the proof, which I do. But THEY CONTINUE TO HARASS ME. 

Please see emails and texts attached.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX FOR 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  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX # XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XXXX/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  Date of Inquiry XX/XX/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  Date of Inquiry XX/XX/XXXX
Product: Checking or savings account

On XX/XX/22, I made a mobile purchase using my Wells Fargo checking account/debit card to pay Front Gate Tickets for a single pair of tickets for a total charge of {$130.00}. 

On XX/XX/22, I discovered that I was overcharged by {$170.00}, which made my total charge {$310.00}. 

Immediately after discovering this discrepancy, I tried contacting both the Front Gate Tickets and Wells Fargo Claims Department with no resolution : 1. I had difficulty reaching anybody at Front Gate Tickets. Upon further research, I discovered that Front Gate Tickets has a low rating ( XXXX stars ) on XXXX XXXX XXXX with XXXX complaints against them for similar cases of being overcharged. ( See : XXXX XXXX XXXXXXXX ) 2. I contacted Wells Fargo to file a claim against the Front Gate Tickets for the amount of the overcharge of {$170.00} ( Claim # : XXXX initiated on XX/XX/22 ). They promised a resolution within 10 business days.

3. On XX/XX/22, I received a provisional credit of {$170.00} since they were still investigating the claim. 

4. As of today, XX/XX/22. I've tried contacting them multiple times since XX/XX/22 to follow up with the case, with no updates or promise to close the claim in my favor.
Product: Debt collection

I have been paying off a {$1000.00} loan for about 16 months ay {$300.00} per month. I was never told that this would NOT be added to my credit report. The deductions stopped coming out of my checking account and I assumed that I was done with this loan. I checked my credit report and see that this loan was reported at a bad debt. I got nothing in the mail or phone calls from mobile loans, the only notification that I got was a negative mark that appeared on my credit report. Over the weekend I got something in the mail stating they are in the middle of bankruptcy and I need to send my claim in to possible be added. These people are crooks I have paid over {$4000.00} for a {$1000.00} loan. I believe that they have committed fraud. Please see attached credit report.
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


TransUnion Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong address on credit report. I have never lived in XXXX XXXX, KY.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I recently received communication from you attempting to collect the above-listed alleged debt. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification, Validation and proof that this alleged Debt is mine and In addition I want proof of, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe.

Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.
Product: Credit reporting or other personal consumer reports

Inquiries - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Everything on a Consumer Report is supposed to report " to maximum possible accuracy '' 15 USC 1681e ( b ) The FRCA states that " transactions, experiences, authorizations, and approvals of credit '' are not included in your Consumer Report.

15 USC 1681a ( 2 ) ( A ) ( i ) ( B ) It is my belief and information, that these inquiries are a rush to judgement and is a violation of my constitutionally protected rights. Please validate this claim signed with a wet signature by a man or woman under penalty of perjury.