Consumer complaint received 2021-10-09
Company: UNITED BANKSHARES, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It is simply a nightmare trying to get false information removed from a credit file. I have contacted the false creditor listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation. 

From XX/XX/2021 to XX/XX/2021 each and every month I wrote the creditor in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I reached dispute with all three credit bureaus ( XXXX, XXXX, and XXXX ) I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. The creditors are coming back " verified '' the debt, but this is in fact not true under law. It has been almost 15 years and I dont know anything about this debt that is currently reporting on my credit report. Simply contacting the alleged I have provided more than sufficient evidence of this outdated account removed.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

It is my belief that the source documents used by the information provider are unreliable and that they have matched the disputed accounts to my credit file in error. I asked to verify that the social security number and signature on the credit application used to open these disputed accounts reported on my credit report is truly mine. No signed copy of the credit application that was used to open the disputed accounts. the accuracy of these disputed accounts.

I did not give this company ( UNITED BANK ) permission to publish unverified information on my credit file after 15 years. I have checked with my state attorney general and confirmed that the statute of limitations on this type of debt has expired. I do not wish to be contacted about this debt or reporting on my credit report any further except to be notified that future collection efforts are terminated. Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act. By publishing these unverified items on my credit report United Bank is in violation of the FCRA and by distributing my credit report to 3rd parties you are damaging my reputation and credit worthiness. 

I asked for documentation in their files to verify the accuracy of this disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). They have not verified the accuracy of this account. The law is clear that a credit reporting agency does not comply with the verification requirement of 1681i if it simply parrots the information providers electronic response.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief