Product: Debt collection

Account information. XXXX XXXX XXXX XXXX  Account Number on my XXXX credit report as file # XXXX, has an incorrect date of first delinquency. Additionally to do with XXXX XXXX XXXX, I can note on the credit reporting file, the amount borrowed and payment history. The payment history, and total amount of dollar amount paid back to the lender is actually well above the total amount of dollars the lender gave the consumer. We raise this point to the Federal Government Consumer Finance protection Bureau. In other words, on credit reporting file is evidence, the consumer paid back more than was borrowed. This company seems to claim despite this 100 % of what was borrowed is still owed. This brings interest rates to more than 100 %. The company seems to operate like the failed lending company, XXXX XXXX. XXXX XXXX was closed down by a Judge and court. The company XXXX XXXX lend based on " XXXX   reservation land rules and guidelines, which allow much higher monies and interest or fees. It is not allowed under the CA lending regulations. The company XXXX XXXX then expected the CA law to protect them in courts, when they themselves as a company do not lend in guidelines of CA loan practices. XXXX XXXX was paid back more many than was loaned out. The outstanding debt the company claim was still owed was approx. - {$2600.00} original opening balance was {$2600.00}.

Additionally the default is reported as XX/XX/XXXX on credit which means under the fair credit reporting act it will fall off credit in 7 years. This creditor appear to have sold " the Alleged debt '', claim of {$2500.00} to Resocore Asset Management who list the debt as occurring one year latter than it actually did occur. Resocore Asset Management is perceived aligned to XXXX   in some way both private companies. Resocore is reporting incorrect date of the delinquency and creating a false expiration date on credit record. The company Resocore is running the credit each year with a hard credit pull, when they only require a soft credit pull for existing debts or customers. This code of conduct of a company falls outside of fair credit act, andante the governance of the Securities commission. The SEC who regulate companies for ethics and business practices. This HARD pull of a credit is a threat to the consumer to punish the consumer and hurt their credit more. The hard pulls, are all without any authorization from me and Resocore a company I have had no dealingings with is using my personal information without authorization from me each time. The creditors - - XXXX XXXX XXXX, also fails to note that the alleged debt {$2500.00} was re- assigned to collections. This error makes it look like, I have two delinquent accounts - the original one, and the one ( for the same debt ) that is being reported by the Resocore collection agency who are not even listed with the federal government CFPB website, as a collection agency. The date of the reporting of the NEW debt is at a later date than the actual alleged default on the account making the information on the report wrong. XX/XX/XXXX is the date the XXXX XXXX XXXX went into default. XX/XX/XXXX is the date Resocore list the EXACT same debt. This is an attempt to leave the debt on the credit file longer. The evidence of this inaccuracy in reporting, is in black on the credit report and with and transparent on the credit report.

Under fair credit reporting guidelines - - It's got to be accurate, or its go to be deleted.

Recorse Asset management, a company I am not at all aware of, nor have I done any business with, has gone ahead and pulled and unauthorized HARD credit pull on my credit file XX/XX/XXXX. This too is unlawful use of my SSN and information under fair credit act. I herby demand the record expunged and if the request is not met I formerly request an investigation of the companies Recorse Asset Management and XXXX XXXX XXXX for ethics and fair credit compliance required of a company under Securities commission regulations.

Additionally, this complaint is a request for validation of the above account ( s ) pursuant to 15 U.S.C. 1692g ( b ). This is NOT a request for verification or proof of my mailing address either, but a request for validation pursuant to the statute 15 U.S.C. 1692g ( b ). Please delete from record or provide me with the following for my investigation and escalation to SEC : - An explanation of what the amount owed is for and how it was incurred, and - An explanation of how this amount was calculated, and - Copies of any documents that show I agreed to pay this amount, and - A verification or copy of any judgment, if applicable, and - The name and address of the original creditor, - Proof that the CA statute of limitations has not expired for the purposes of either legal enforcement or continued credit reporting Please investigate these matters, the data being reported is not factual as the Debt delinquency for XXXX XXXX shows XX/XX/XXXX and same debt delinquency shows XX/XX/XXXX this is listed in black and white on the credit report.