Consumer complaint received 2022-07-13
Company: CORELOGIC INC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
January 1st, 2022, I sent a letter to the courthouse XXXX  VIRGINIA BANKRUPTCY XXXX XXXX DISRTICT OF VIRGINIA asking do the report bankruptcies to the credit bureaus and I got a letter stating, "They do not report any bankruptcies to anybody." so if that's the case. How did the credit bureaus verify my bankruptcy as 100% accurate? they never did a fair investigation according to the 15 USC 1681XXXX XXXX also sent me a letter stating " There is no bankruptcies reporting on my credit report. 

15 USC 1681 section 603 (3) (E) states; The term " investigate consumer report" means a consumer report or potion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 U.S.C 1681 section 602 A. states I have the right to privacy.

According to 15 U.S.C 1681 section 604 A section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions.

According to 15 U.S.C. 1681 s-2(A)(1) A person shall 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.

In accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.  
 	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 XXXX XXXX XXXX XXXX XXXX    PREVIOUS ADDRESS:	  XXXX XXXX XXXX XXXX XXXX  NC,
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NC,
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NC, XXXX XXXX XXXX XXXX    EMPLOYER:	XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
/

Consumer Statement
 	
XXXXXXXXFCRA EXTENDED FRAUD ALERT: ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNTXXXXFCRA INITIAL FRAUD ALERT: ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT XXXX XXXX
 	
XXXX XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX XXXX THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX XXXXFRAUD VICTIM. 'EXTENDED ALERT'. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.



Summary	^ Back to Top
 	XXXX XXXX XXXX    TOTAL ACCOUNTS:	XXXX XXXX XXXX
  OPEN ACCOUNTS: XXXX XXXX XXXX    CLOSED ACCOUNTS:	XXXX XXXX XXXX
  DELINQUENT:	XXXX XXXX XXXX
  DEROGATORY: XXXX XXXX XXXX
  BALANCES: XXXX XXXX XXXX
  PAYMENTSXXXX XXXX XXXX XXXX
  PUBLIC RECORDS: XXXX XXXX XXXX    INQUIRIES(2 years):	XXXX XXXX XXXX


Account History	^ Back to Top
At-a-glance viewing of your payment history
Not Open	Current	30 Days Late	60 Days Late	90 Days Late	120 Days Late	150 Days Late	Payment Plan	Reposession Foreclosure	Collection Chargeoff
Not
Open	Unknown	Current	30 days
Late	60 days
Late	90 days
Late	120 days
Late	150+ days
Late	Payment
Plan	Reposession
Foreclosure	Collection
Chargeoff

Revolving Accounts: Accounts with an open-end term XXXX XXXX XXXX XXXX XXXX
  Account #: XXXX XXXX XXXX  
  Condition:	Paid	Paid	Derogatory
  Balance: XXXX XXXX XXXX    Type:	Credit Card	Credit Card	
  Pay Status:	Collection/Chargeoff	Collection/Chargeoff	Collection/Chargeoff
unkown
unkown
unkown
unkown	Two-Year payment history	Legend >>
unkown	XXXXunkown
 	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown
 	XXXX						OK	OK	OK	OK	OK	OK	OK	OK	OK	30 days late	60 days late	90 days late	Collection Chargeoff	unknown	unknown	unknown	unknown	Collection Chargeoff	Collection Chargeoff 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  unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	30 days late	60 days late	90 days late	90 days late	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	unknown	unknown	unknown	unknown	unknown 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
  Account #:	XXXX XXXX XXXX 
  Condition:	Open	Open	Open
  Balance:	XXXX XXXX XXXX
  Type:	Credit Card	Credit Card	Credit Card
  Pay Status:	Current	Current	Current
unkown
unkown
unkown
unkown	Two-Year payment history	Legend >>
unkown	XXXXunkown
 	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown
 	XXXX																								OK 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 XXXX XXXX XXXX XXXX


Installment Accounts: Accounts comprised of fixed terms with regular payments
	XXXX XXXX XXXX XXXX XXXX XXXX Account #: XXXX XXXX 
  Condition:	Transferred	 	Transferred
  Balance: XXXX XXXX    Type:	Educational	 	Educational
  Pay Status:	Late 120 Days	 	Late 120 Days
unkown
unkown
unkown
unkown	Two-Year payment history	Legend >>
unkown XXXXunkown											OK	OK	OK	OK	OK	90 days late	120 days late	120 days late	120 days late	120 days late	120 days late	120 days late	120 days late	120 days latXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
unkown XXXX	NONE REPORTED
 	XXXX	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown 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
  Account #: XXXX XXXX  
  Condition:	Transferred	 	Transferred
  Balance: XXXX XXXX
  Type:	Educational	 	Educational
  Pay Status:	Late 120 Days	 	Late 120 Days
unkown
unkown
unkown
unkown	Two-Year payment history	Legend >>
unkown	TransUnionunkown											OK	OK	OK	OK	OK	90 days late	120 days late	120 days late	120 days late	120 days late	120 days late	120 days late	120 days late	120 days late 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  NONE REPORTED
 	XXXX	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown
 	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    Account #:	XXXX  	 	 
  Condition:	Transferred	 	 
  Balance:	XXXX	 	 
  Type:	Educational	 	 
  Pay Status:	Late 120 Days	 	 
unkown
unkown
unkown
unkown	Two-Year payment history	Legend >>
unkown XXXXunkown											OK	OK	OK	OK	OK	90 days late	120 days late	120 days late	120 days late	120 days late	120 days late	120 days late	120 days late	120 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
unkown	XXXX	NONE REPORTED
unkown	XXXX	NONE REPORTED


	US DEPT ED	 
 	XXXX	XXXX XXXX
  Account #:	XXXX XXXX 	 
  Condition:	Derogatory	Derogatory	 
  Balance: XXXX XXXX	 
  Type:	Educational	Educational	 
  Pay Status:	Unknown	Collection/Chargeoff	 
unkown
unkown
unkown
unkown	Two-Year payment history	Legend >>
unkown	XXXXunkown
 	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown XXXX	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	unknown	Collection Chargeoff	Collection Chargeoff
 	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  NONE REPORTED


	US DEPT ED	 
 	XXXX XXXX XXXX
  Account #:	XXXX XXXX XXXX  
  Condition:	Derogatory	Derogatory	Derogatory
  Balance: XXXX XXXX XXXX
  Type:	Educational	Educational	Educational
  Pay Status:	Unknown	Collection/Chargeoff	Unknown
unkown
unkown
unkown
unkown	Two-Year payment history	Legend >>
unkown	XXXX
 	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown XXXX	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	unknown	unknown	unknown	unknown	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	unknown	Collection Chargeoff	Collection Chargeoff
 	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 XXXX XXXX XXXX XXXX XXXX


	US DEPT ED	 
 	XXXX XXXX XXXX Account  #: XXXX XXXX XXXX  
  Condition:	Derogatory	Derogatory	Derogatory
  Balance:	XXXX XXXX XXXX
  Type:	Educational	Educational	
  Pay Status:	Unknown	Collection/Chargeoff	Unknown
unkown
unkown
unkown
unkown	Two-Year payment history	Legend >>
unkown	XXXXunkown
 	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown
 	XXXX  Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	Collection Chargeoff	unknown	Collection Chargeoff	Collection Chargeoff 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 XXXX XXXX XXXX  XXXX XXXX


	XXXX XXXX XXXX XXXX XXXX XXXX
  Account #: XXXX XXXX 
  Condition:	Transferred	 	Transferred
  BalanceXXXX XXXX XXXX
  Type:	Educational	 	Educational
  Pay Status:	Late 120 Days	 	Late 120 Days
unkown
unkown
unkown
unkown	Two-Year payment history	Legend >>
unkown	XXXXunkown											OK	OK	OK	OK	OK	90 days late	120 days late	120 days late	120 days late	120 days late	120 days late	120 days late	120 days late	120 days late
 	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	NONE REPORTED
 	XXXX						unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown 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
  Account #:	XXXX XXXX 
  Condition:	Transferred	 	Transferred
  Balance: XXXX XXXX
  Type:	Educational	 	Educational
  Pay Status:	Late 120 Days	 	Late 120 Days
unkown
unkown
unkown
unkown	Two-Year payment history	Legend >>
unkown	XXXXunkown											OK	OK	OK	OK	OK	90 days late	120 days late	120 days late	120 days late	120 days late	120 days late	120 days late	120 days late	120 days late
 	XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
unkown	XXXX	NONE REPORTED
 	XXXX  						unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown
 	XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


	US DEPT ED	 
 	XXXX XXXX XXXX
  Account #:	XXXX XXXX XXXX 
  Condition:	Derogatory	Derogatory	Derogatory
  Balance: XXXX XXXX XXXX
  Type:	Educational	Educational	Educational
  Pay Status:	Unknown	Collection/Chargeoff	Unknown
unkown
unkown
unkown
unkown	Two-Year payment history	Legend >>
unkown	XXXXunkown
 	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown
 	XXXX  																			Collection Chargeoff	Collection Chargeoff	unknown	Collection Chargeoff	Collection Chargeoff 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 XXXX XXXX XXXX XXXX  

	US DEPT ED	 
 	XXXX XXXX XXXX
  Account #:	XXXX XXXX XXXX 
  Condition:	Derogatory	Derogatory	Derogatory
  Balance: XXXX XXXX XXXX
  Type:	Educational	Educational	
  Pay Status:	Unknown	Collection/Chargeoff	Unknown
unkown
unkown
unkown
unkown	Two-Year payment history	Legend >>
unkown	TransUnionunkown
 	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown	unkown
 	XXXX  Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	unknown	unknown	unknown	unknown	unknown	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff
 	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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
  Account #:	 	XXXX XXXX 
  Condition:	 	Derogatory	Derogatory
  BalanceXXXX XXXX XXXX
  Type:	 	Rental agreement	Rental agreement
  Pay Status:	 	Collection/Chargeoff	Collection/Chargeoff
unkown
unkown
unkown
unkown	Two-Year payment history	Legend >>
unkown	XXXX  NONE REPORTED
 	XXXX  Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection Chargeoff	Collection ChargeofXXXX 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  														unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown
 	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    Account #:	XXXX XXXX XXXX  
  Condition:	Open	Open	Open
  Balance: XXXX XXXX XXXX    Type:	Auto Loan	Auto Loan	Auto Loan
  Pay Status:	Current	Current	Current
unkown
unkown
unkown
unkown	Two-Year payment history	Legend >>
unkown	TransUnionunkown							OK	OK	OK	OK	OK	OK	OK	OK	OK	30 days late	OK	OK	OK	OK	OK	OK	OK	OK
 	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  				OK	OK	OK	30 days late	OK	OK	OK	30 days late	OK	30 days late	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK 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					unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown	30 days late	unknown	unknown	unknown	unknown	unknown	unknown	unknown	unknown
 	XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

	EXTRA	 
 	XXXX XXXX XXXX    Account #XXXX XXXX  
  Condition:	 	 	Open
  Balance: XXXX
  Type:	 	 	Line of credit
  Pay Status:	 	 	Current
unkown
unkown
unkown
unkown	Two-Year payment history	Legend >>
unkown	XXXX  NONE REPORTED
unkown	XXXX  NONE REPORTED
 	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


Collection Accounts: Accounts seriously past due
 	XXXX XXXX XXXX XXXX XXXX
  Original Creditor:	XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
  Account #:	XXXX XXXX XXXX  
  High Balance: XXXX XXXX XXXX 
  Date Opened:	XXXX XXXX XXXX  
  Date Reported: XXXX XXXX XXXX 
  Balance:	XXXX XXXX XXXX  
  ConditionXXXX XXXX XXXX XXXX  
  Responsibility:	Individual 	Individual 	Individual 
  Remarks: XXXX XXXX XXXX XXXX XXXX
  Original Creditor:	XXXX XXXX 	 
  Account #:	XXXX XXXX XXXXXXXX  
  High Balance: XXXX XXXX XXXX 
  Date Opened: XXXX XXXX XXXX  
  Date Reported:	XXXX XXXX XXXXXXXX 
  Balance:	XXXX XXXX XXXX  
  Condition:	XXXX XXXX 	XXXX 
  Responsibility:	Individual 	Individual 	Individual 
  Remarks: XXXX XXXX XXXX XXXX XXXX
  Original Creditor:	XXXX XXXX 	 
  Account #:	XXXX XXXX XXXX  
  High Balance: XXXX XXXX XXXX 
  Date Opened:	XXXX XXXX XXXX  
  Date Reported: XXXX XXXX XXXX 
  Balance:	XXXX XXXX XXXX 
  Condition:	XXXX XXXX XXXX 
  Responsibility:	Individual 	Individual 	Individual 
  Remarks:	 	 	 
 	 	 	 

 	XXXX XXXX XXXX   
 	XXXX XXXX XXXX    Original CreditorXXXX XXXX XXXX XXXX XXXX 	 
  Account #:	 	XXXX XXXX 
  High Balance:	 	XXXX XXXX 
  Date Opened: XXXX XXXX 
  Date Reported:	 	XXXX XXXX 
  Balance:	 	XXXX XXXX 
  Condition: XXXX XXXX 
  Responsibility:	 	Individual 	Individual 
  Remarks:	 	 	 
 	 	 	 

 	CREDIT COLLECTION XXXX XXXX XXXX XXXX    Original Creditor:	 	XXXX 	 
  AccounXXXX XXXX XXXX XXXX 
  High Balance:	 	XXXX XXXX 
  Date Opened:	 	XXXX XXXX 
  Date Reported:	 	XXXX XXXX 
  Balance:	 	XXXX XXXX 
  Condition: XXXX XXXX 
  Responsibility:	 	Individual 	Individual 
  Remarks:	 	 	 
 	 	 	 

 		 
 	XXXX XXXX XXXX
  Original Creditor:	 	 	 
  Account #:	 	 	XXXX 
  High Balance: XXXX 
  Date OpenedXXXX XXXX 
  Date Reported:	 	 	XXXX 
  Balance:	 	 	XXXX  
  Condition:	 	 	XXXX 
  Responsibility:	 	 	Individual 
  Remarks:	 	 	 
 	 	 	 

Other: Accounts in which the exact category is unknown

Public Information
	Bankruptcy
unkown	XXXX XXXX XXXX
unkown	Type:	XXXX XXXX  Bankruptcy		
unkown	Status:	Discharged		
unkown	Date Filed/Reported:	XXXX		
unkown	Reference#: XXXX		
unkown	Closing Date:	XXXX		
unkown	Asset AmountXXXX XXXX		
unkown	Court:	U.S. Bankruptcy Court		
unkown	LiabilityXXXX XXXX  	
unkown	Exempt AmountXXXX XXXX  	
unkown
unkown
unkown
unkown	Remarks:
unkown	

	Bankruptcy
unkown	XXXX XXXX XXXX
unkown	Type:		XXXX XXXX Bankruptcy	
unkown	Status:		Discharged	
unkown	Date Filed/Reported:		XXXX	
unkown	Reference#:		XXXX	
unkown	Closing Date: XXXX	
unkown	Asset Amount:		0	
unkown	Court: US BKPT CT VA XXXX	
unkown	Liability: XXXX	
unkown	Exempt Amount:		XXXX XXXXnkown
unkown
unkown
unkown	Remarks:
unkown	

	Bankruptcy
unkown	XXXX XXXX XXXX
unkown	Type:			XXXX XXXX Bankruptcy
unkown	Status:			Discharged
unkown	Date Filed/Reported:			XXXX
unkown	Reference#:			XXXX
unkown	Closing Date:			
unkown	Asset Amount: XXXX
unkown	Court:			Federal
unkown	Liability: XXXX XXXXnkown	Exempt AmounXXXX XXXX
unkown
unkown
unkown
unkown	Remarks:
unkown	


Inquiries
Creditor Name
Date of inquiry
Credit Bureau
 	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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
has violated my rights. 426 Base Segment Characters format says field 5,7,8,9,10,12,13,17A,18,21 are REQUIRED !!

15 U.S.C 1681 section 602 A. states I have the right to privacy.
15 U.S.C 1681 Section 604 a section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions. 
In accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC
15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 a section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions.

DELETE THIS BANKRUPTCY XXXX XXXX FROM MY 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 explanation