Consumer complaint received 2018-10-07
Company: Montgomery County Credit Bureau
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am filing a Complaint against the three Credit Repositories CRA XXXX XXXX & XXXX. Under the FCRA I am a Military Retired XXXX XXXX  Veteran who is trying very hard to improve my credit by paying my bills on a timely and responsible manner for the last 4 years I have contacted the CRAs and Complaint about Unverfied late payments due to VA hospilization and unfortunately I fell into a Hardship and could not pay on time 30 days late and some late charges are unverfied we're not corrected by the Mayor credit reporting agencies. CRAs since XX/XX/2015 I have been fighting the Credit Bureaus by disputing inaccurate late payments and Collection Accounts that we're not Validate by Creditos. All I received was was updated credit reports that we're Verified How is it possible since I Disputed? I and disputed on a monthly basis the inacuracies of there investigation? I have disputed the Collection Accounts as inaccurate and unverfied upon sending Certified mail month after months as I was exercising my rights under the FCRA611 ( a ) ( 7 ) Request to a complete Description of all methods used to investigate my information disputed, I believe the CRAs are not physically vefying anything by a human interaction they are using Electronic verification to expedite there 30 day response!? t I sent many Dispute letters that we're certified returned Receipt and also notarized, I am sure the FCRA required the CRAs to verify the validity of the Disputed item in question within 30 days if the validate can not be verified in my case they are obligated to by law to remove the item.there is a clear case of Unverfied debt, and late Payment history that was never deleted also As a Military Veteran by Credit Standing is very important in trying too obtain VA funding for my self and family Unfortunately because of the Derogatory Collections and late Payment my score and the refusal of the CRAs XXXX, XXXX & XXXX  to delete the misleading Derogatory marks and Collections it is keeping me from attaining My Goals due to a lower Credit Scores that we're not corrected by the CRAs Please note According to FCRA 623 ( a ) ( 3 ) I send legal Validation letters to creditor disputing that we're putting Derogatory Unveirfied marks on my credit report without prior Validation the debt in the interim the items in question we're not Validated by Collection agencies I also sent Proof by certified mail and the CRAs Credit Reporting Agencies continued to ignore my request to investigate and delete upon properely Documentation they received all previous letters were Documented for future Legal intervention, in an exhaused effort I feel my rights have been Violated by the CRA these unverfied notations on my credit file is a financial set back because of the high cost of financing a home the Collection activity is doing great damage as s XXXX XXXX XXXX   XXXX Recipient XXXX Veteran, The CRAs Must be in compliance with the laws Congress and FCRA inplement, this should not be a battle to correct and injustice in my case of unfair credit reporting The CRAs take it upon themselves to keep good paying customes at a subpart credit rating it benefits them and there multimillionaire friend 's and companies they could care less for A Military Man who fought for the honor and protection of my country perhaps I am just a 3 digit number to the CRAs ..I am demanding the XXXX XXXX  and XXXX to delete and do justice in my case and Previously noted : I am Also Excercising my rights under the FCRA 611 ( a ) ( 7 ) and the FDCPractice Act. I will continue to Challenge any Derogatory Mark 's  placed by the Credit Bureaus Agencies. Even if I have to litigate in The Courts If they do not respond I am a Litigious Person and intend to follow through Suit,!! I will use the Courts and my Attorney as needed to enforce my rights Under the FCRA. I look forward to an uneventful Resolution of this matter.thank you.

Company response to consumer: Untimely response