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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX Social Security Number : XXXX NC Driver License : XXXX XXXX XXXX XXXX has perjured itself directly by responding to valid disputes and complaints with false and misleading information. In doing so, I feel they have deprived me of my rights to due process because every time they falsify their responses to mislead the Federal Government into believing that the response whether it be an action or statement, believing it to be accurate, complete, and most of all FAIR. 

According to the Fair Credit Reporting Act, any information that the furnisher provides to the credit bureaus, reports to an individual 's credit report, and responses to disputes and complaints must be accurate, complete, and most of all FAIR. 

Over time, XXXX XXXX XXXX had posted two debts onto my credit report since they are a collection company and collect for many medical facilities. And throughout disputing what I felt like was miscorrect information, or inaccurate, or just in the case for validation of the accounts, they are trying to collect from me now for several years. During this time, and after many many disputes just to get accurate validation of what I was paying for, anything, just tell me something I am being reported on my credit for so I will know what I am paying for. For years, this company has not, never once provided me with what am I paying for. XXXX XXXX XXXX is the furnisher, always has been the furnisher, and always has been the owner of the supposedly bad debts that have been reported onto my credit file for years so that is who I have directly disputing and requesting and complaining to all the credit bureaus about and complaining to XXXX XXXX XXXX. 

Not once has this validation occurred. For years I have suffered due to this reporting on my report. And for a very long time, I have been complaining and disputing this fact and always, ALWAYS, the three credit bureaus sent me back their responses as the furnisher validated the account for accuracy but never once actually responded to the specific dispute or complaint which is what XXXX paying for. Show me something and I never received anything the Fair Credit Reporting Act says that this collaboration between consumers, creditors collectors, Consumer Finance Protection Board, FTC, and anyone allowed by law to review or share my credit info, with regards to data being reported against me on credit files must be Fair, Accurate, and Complete. 

To not ever answer disputes as outlined above is simply not FAIR. It's not fair to me to have to beg for an answer and years be ignored with the same reply from the credit bureaus. What makes it even worse, is that I find out later on that XXXX XXXX XXXX never had the validation information according to their response to the Consumer Finance Protection Board reply they submitted just a few weeks ago, when directed to provide that information to the CFPB, they stated they would have to get with their client and have their client send it to me. 

To date, I have not received anything. So now we are going on 4 years and I find out essentially that all three credit bureaus have been lying because they said they investigated each dispute and verified the dispute to be accurate along with information given to them by their customer XXXX XXXX XXXX. So now that we have that established, I continue to dispute for various reasons that I feel are justified and then I receive a letter in the mail from XXXX XXXX XXXX and they made a statement to coerce me, threaten me, scare me, intimidate me, and referenced laws that do not exist to halt me from disputing those very items that I felt just, especially after I found out that everyone has been lying after all these years because once the CFPB got involved, XXXX XXXX XXXX didn't even have the information to send them and that they would " get with their client ''. 

I ask why didn't they get with their client years ago, why have I had to suffer all these years and spend hours and hours each day tiring to keep up with it to protect my credit file. I have over 20 accounts right now with a 100 % payment history. I have a stellar rating on my credit report and minus one or two issues like this, for example, I have perfect credit in my opinion. 

So to spend hours and hours each day, trying to learn and figure out a way to get this company to provide me faith r, honest, accurate, and complete information should not be that hard- but it has never been accomplished. Once I knew there was deception and inaccuracies and dishonesty with regards to investigations, etc. I continued to file disputes as it is my right and not once have I threatened anyone with harm, cursed at anyone, I have only asked for validation of these accounts if I owe them, so I can pay them. Never has that been done. And at this point, I refuse for XXXX XXXX XXXX to provide anything to me because in my opinion it would be possibly fabricated and falsified and their behavior and actions have proven that to be more likely or not because they've had 5 years to accomplish this. So not the situation has gotten worse. 

I am writing this complaint because it has taken on a whole new face to this collaboration with XXXX XXXX XXXX where they are not falsifying their responses to disputes with the XXXX XXXX XXXX XXXX XXXX XXXX not only once, twice, but many many times. They have made it clear that they are going to do what they want to do and how they want to do it time and time again stemming back to the conception of these two bad medical accounts they have been attempting to collect from me and this is scary. This is very concerning that this may be going on with many others like myself who don't know how to make it to this point. I've been treading water for a very long time trying to breathe and stay above water with my credit file and not drown directly due to the actions of XXXX XXXX XXXX. 

I have been denied credit time and time again, and it's affected me where I have not been able to sleep for months, loss of work, sadness, and nightmares when I do sleep because my credit is very important to me but I '' m not going to pay a bill that I DONT EVEN HAVE THE REASON IM PAYING THE BILL AND WHAT DID I RECEIVE FOR PAYING AN AMOUNT that it seems like to me they pulled out of the sky. I don't know what else to do. My rights have been violated, I can't even complete a dispute now with due process cut off at the major XXXX. I have no one else to complain to. The credit bureaus won't read this and take action on this. 

And to make matters, even more, worse, XXXX XXXX XXXX sent me paperwork in the mail recently and it had my, doctors, names and service filed right there for anyone to see, although the service fee was XXXXX out, you can still see there was data underneath those X 's and now that whole collection agency has to know what services I received and now the doctors that performed it and they don't even own the hospital so it can't even be a mistake that only the name of the facility is to be provided to the collection and other basic information, but not the specific doctors names and service that someone X 'd out. You cant determine what type of medical treatment someone receives sometimes by researching the doctor 's name. This is so embarrassing! 

And it was on their paperwork so they had access to that and were able to view that at some point. I feel XXXX. I feel sick to my stomach. I can't even breathe it makes me so upset and disgusted that this collection agency can destroy my life and destroy everything that I've worked hard to succeed in and their actions have made my life XXXX because I do not have the time to deal with this XXXX every single day and disputing valid issues for them to tell me, and the CFPD what they are going to do and not do, who are these people, over {$1100.00} in medical bills they have continued to destroy me and I feel near death. I'm writing this for help. I don't know what else to do. I can't afford attorneys but I will try and see what I can do. 

And with the latest of them sending me letters that look like some kind of statement with the actual doctor 's names on them and everything they have not violated HIPPA rules and have retained, received, gathered, or given my PHI personal healthcare information by someone, and that only entity could be ECEP, II PA, the group that provides Surgeons to Novant Hospitals where supposedly I went for an emergency years ago. 

But I '' ve complained to CFPB about XXXX, XXXX PA, but have never gotten a response back from them about any of this, and XXXX XXXX, PA was providing services to XXXX XXXX at the time I went in for healthcare so the company XXXX hired to perform services on me hired this collection agency XXXX XXXX XXXX to collect from me two bad debts but has destroyed my life. 

I can't eat, I'm drained and exhauted all day to lack of sleep, and trying every day to keep my credit in the best shape possible but this XXXX XXXX XXXX have succeeded in absolutely destroying my life with their unethical behavior, criminal behavior, and could care less that they have violated state laws and federal laws and have tried to cover it up since they wrote me that damning letter threatenng me to stop disputing them and was is funny out of this whole situiaton is I submitted that complaint over 8 weeks ago and they have not once said they were sorry, not once have they acknoledged that damning letter they sent me and the laws they broke therein, they have worked effortsly to conceal the fact they they arent responsding or answering to my compalint regardint that letter by falsigying the responses in the internal portal system managed by the CFPB becasue tthey are requried to repond, timely requiremrents, but have perjured themseles XXXX knows how many times by even my complaint was a duplicate time and time of antoher complaint and that complant would be about something completely differrnet but no one notices it, through all the complaints, XXXX XXXX XXXX has proven to me that they run things how they wan na run it and so now I submit this to you and I hope that I get resolve out of this before it drives to emtional death because my credit is all i have.