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Information belongs to someone else

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. These following items listed below are unknown to me. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXXXX/XX/2022.

Debt is not yours

The account is reporting on my credit report but is not my account. It 's not even my name on the account. I tried to talk to the company and the first gentleman got aggravated and starting talking over me and told me to hold on, and then his supervisor got on the phone and she said I needed to file a dispute and allow 72 hours for dispute process. I have n't had an XXXX XXXX XXXX account. I 've had XXXX for years.

Reporting company used your report improperly

I believe my personal medical informatin is being shared without my consent. I have reached out to all parties involved requesting a signed release form allowing Carter-Young, INC to have, keep, and distribute my personal medical informatin. I believe the HIPPA Privacy Act is being violated.

Information belongs to someone else

I am requesting to delete that account which I listed in Identity Theft because it is not belong to me or any transactions made by me. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.

Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company closed your account

We are writing regarding our Citi AAdvantage Platinum Select XXXX XXXX XXXX and what we believe was fraudulent and deceptive behavior by Citibank. We had a Credit Limit of {$9000.00} On XX/XX/XXXX we made an electronic payment of {$5000.00}. Due to financial complications resulting from the XXXXOVID-19 pandemic the payment of {$5000.00} was returned. At no point were we informed by Citibank that the aforementioned credit card was closed. We dug ourselves out of our financial issues and called Citibank on XX/XX/XXXX in response to an email we received about making a payment. At this point our balance was {$15000.00} The issues begin with the XX/XX/XXXX call : On XX/XX/XXXX we spoke with a Citibank Representative and arranged to make a payment of {$6300.00} to be processed on 3/29/2021on the condition that once it cleared the account would be : 1. In good standing 2. Open 3. The card would be active ( meaning wed be able to use it ) We verified the above 3 conditions multiple times with the Citibank representative and they confirmed. As a side note, I remember specifically giving the Citibank Representative I spoke with on XX/XX/XXXX an example of what my definition of open and usable was so there was no confusion. We also agreed to setup automatic minimum payments. On XX/XX/XXXX we received a message from Citibank confirming that we had enrolled in autopay - no where in this message does it state that the account is closed. In fact it reads as if the account is opened and in good standing. On XX/XX/XXXX the payment in the amount of {$6300.00} processed, cleared our account and posted to Citibank. And in fact based on what the Citibank representative confirmed on our XX/XX/XXXX call we made an additional payment on XX/XX/XXXX of {$4000.00}. We received an email from Citibank confirming this and again at no point did it state the account was closed, and again it reads as if the account is open. On XX/XX/XXXX after we confirmed both payments ( {$6300.00} + {$4000.00} ) cleared with no issues, we checked our account to make sure the card was active - as the Citibank representative told us it would be. At this point we became worried and began calling Citibank. We spent at least 4-5 hours and multiple phone calls on with different Citibank representatives, none of which could give us any direct answers. Finally, after poking around on the internet and in message boards we found a number for the Citibank XXXX XXXX XXXX. We spoke with a very polite and helpful Citibank Representative in the XXXX XXXX XXXX who opened a case for us. At this point I sent multiple emails following up and outlining what had transpired on the XX/XX/XXXX call. We never once received an email response confirming receipt of emails. Everytime I would have to call and confirm receipt. At some point we were assigned a woman by the name of XXXX XXXX with the Citibank XXXX XXXX unit. After multiple emails and phone calls, XXXX called us back on XX/XX/XXXX. On the XX/XX/XXXX call XXXX politely told me she listened to all our phone calls with Citibank especially the call in question that took place on XX/XX/XXXX. XXXX acknowledged/confirmed : That the Citibank Representative I spoke with on XX/XX/XXXX, stated multiple times when asked by me ( multiple times ) if by making the payment of {$6300.00} it would bring our account ; in good standing/current, open, and usable - the representative answered " Yes ''. She also acknowledged that in addition to answering " Yes '' the representative communicated to me in other ways that by making said payment the account would be in good standing, open, and usable. We expressed to XXXX that Citibank should honor what they committed to : An open account, in good standing, and with a useable card. While polite and understanding XXXX said there was nothing she could do. After we pressed her and explained we felt Citibanks behavior was deceptive ( We did not use the word fraudulent, although we believe it was ) XXXX offered us a {$150.00} statement credit, to which we declined. On XX/XX/XXXX following the call with XXXX we sent a follow up email, confirming what transpired on our call. We called the XXXX XXXX XXXX on XX/XX/XXXX to confirm the email was received and forwarded to XXXX - this was confirmed. We would greatly appreciate the CFPBs assistance with this matter. Thank you very much in advance!

Information belongs to someone else

I, XXXX, XXXX in natural person, creditor, and consumer status MAKE OATH AND SAY THAT : I am providing this statement pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft sent to, EQUIFAX XX/XX/XXXX REASONS : 1. Pursuant to 15 U.S. Code 1681 ( a ) ( 1 ) ( 3 ) ( 4 ) The Congress found that inaccurate credit reports directly impairs the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ; 2. The Congress has stated that you, EQUIFAX are a scam pursuant to 15 U.S. Code 1681 ( 2 ) which states : An elaborate mechanism has been developed for investigating and evaluating consumer credit worthiness, credit standing, credit capacity, character, and general reputation of consumers ; 3. The Congress has also stated that you EQUIFAX are assuming a vital role in assembling and evaluating consumer credit Pursuant to 15 U.S. Code 1681 ( 3 ). Therefor youre only making pretend youre important or have a vital role without any proof ; 4. Furthermore, The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974 ; 5. Notice that Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. You, EQUIFAX are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file ; 6. Pursuant to 15 U.S. Code 1681a ( d ) the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness ; 7. Take further notice that Pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) you EQUIFAX are violation of this law as it clearly states that any report containing information solely as to transactions or experiences between the consumer and the person making the report which in this case is you EQUIFAX is excluded from the consumers report ; 8. Notice that you EQUIFAX are also in violation of 15 U.S. Code 1681a ( 2 ) ( B ) which states any authorization or approval of a specific extension of credit indirectly by the issuer of a credit card. You are reporting multiple accounts on my consumer report in direct violation of this Code ; 9. You also cant claim you verified any accounts unless you can prove you did what you are supposed to do Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc, who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; 10. Take further notice that Pursuant to this same mentioned code stated above 15 U.S. Code 1681a ( e ) there shall not be any specific factual information on a consumers credit record obtained directly from a creditor as the term creditor means the same as it does in 15 U.S. Code 1691a ( e ) which states that the term creditor means any person who regularly extends credit which in this case that would be me a consumer ; 11. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates ; Pursuant to all the facts I stated above, here are my written instructions as to what I, a consumer in fact want removed from my report immediately. I also DO NOT authorize any automated response or e- Oscar verification method.

Reporting company used your report improperly

I have received a letter notice that I have opened a Macys American Express credit card but I never did. This is identity theft and Im worried about my credit score will drop it in this matter. Please help to fix

Didn't receive services that were advertised

My personal information was part of a data breach which occurred at Equifax on XXXX XXXX 2017. I believe that my data was improperly stored and now face potential identity theft due to their negligence.

Personal information

I was unable to register for creditkarma unless I used my married name. I have been divorced for several years and I was n't even married long enough to need to legally change my name. There is also an address on my credit report that does n't even exist.

Investigation took more than 30 days

I've been very patient with the credit reporting agencies in regards to a late payment that is being reported on my credit file which is inaccurate. The late payment from creditor XXXX XXXX was reported in XX/XX/2021. I've reached out to the creditor directly and they've also stated there was no late payment on their end from me. I've reached out to the credit bureaus MANY different times and have either gotten hung up on after waiting on the phone for hours, have been told they haven't received any of my letters, or that the investigation is still under review. This has been an on going thing for months where the bureaus are dragging this out and continuously reporting information that's incorrect on my credit file. I've written multiple letters back when I first noticed the late payment reported, a letter in XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of this year. Its frustrating knowing that its inaccurate and Im powerless in resolving it. They've been pushing the investigation back for months, giving different answers, or hanging up when I get through to someone. I work 58 hours in a week and getting drained doing this. They've had plenty of time for the investigation. Its been way longer than 60 days! They can not keep taking advantage of me like this. PLEASE HELP!!

Old information reappears or never goes away

I demand that you Cease & Desist from reporting old information on my consumer report, I demand that you cease & Desist from reporting, incorrect, misleading information on my credit report, I demand that you Cease & Desist improper validation and proof of debt on my credit report. Please remove the following account within 5 days from my report XXXX XXXX XXXX XXXX I have not given you premission to report these accounts to my report, Also I have not recieved evidence of these accounts that that belong to me. These account are incorrect and misleading. I will seek legal action if they are not removed within XXXX business days. This is the last notice. If there is no proof you must remove these accounts. Student loans have already been removed off my report than came back, XXXX has changed the account to postive to negative several times after they sold the debt to another company.

Their investigation did not fix an error on your report

XX/XX/XXXX, XXXX XXXX, XXXX. I had applied to XXXX ( has always discriminate denying me without reasons ), XXXX, renewing XXXX, and XXXX. I have updated their background check companies they used that are DISCRIMINATING against me denying me employment, not accepting my certify documents and copied documents that their error are going back to an old issue that wasnt an issue in XX/XX/XXXX with XXXX, XX/XX/XXXX with XXXX until my XXXX XXXX on XX/XX/XXXX was XXXX on XX/XX/XXXX. I have attached the documents and I keep getting an unfair rejection and the background checking companies stated that it is up to their third party. Unfortunately, this third party controls all corporates and businesses in my county. I applied for employment with XXXX, I was denied and listed as not eligible for rehire with no reasons. Something with the XXXX XXXX background check companies. This is DISCRIMINATION as I was a XXXX XXXX Victim in XXXX, was a Victim of XXXX XXXX in XX/XX/XXXX, Victim of XXXX XXXX on XX/XX/XXXX, and now this. These companies need to be looked into. This is Depriving me of my Rights, Violating my 1st Amendment, and Civil Rights.

Don't agree with the fees charged

I believe PHEAA to be in violation of unfair credit reporting and collection tactics during the pandemic. My loans went into default at the onset of the pandemic despite me attempting to work out a payment plan with them. Not only did they continue to report that I was in collections but they reported that I was late as well thereby purposely and maliciously affecting my credit. If that wasn't bad enough they sent my account over to a collection agency and added a whopping XXXX, XXXX to my loan bringing my loan to XXXX from XXXX. I feel that this is unjust and malicious in nature

Reporting company used your report improperly

Equifax, XXXX, XXXX XXXX XXXX XXXX To whom it may concern recently Made dispute with XXXX XXXX XXXX you replied back saying it was verified.. You Fail to send me documentation of the Description of the procedure or the XXXX investigation by law.. This is a violation of of my rights.. 15USC section 602A states I have a right of privacy .15 USC 1681 604 A section 2 it also states a consumer reporting agency can not furnish a account without written instruction Also fail to send me signature of contract we agreed on You denied full validation that I requested by law. Please look in to this matter Cfpb XXXX XXXX XXXX

Trouble with how payments are handled

Loan was deferred. I was told by a customer service rep that the deferment would be retroactive for the XXXX payments while completing the process. My credit report now shows XXXX late payments for XXXX loans during that period. I have disputed several times and sent emails but they will not communicate on what happened or how we can get it resolved.

Reporting company used your report improperly

Equifax did not perform their due diligence and my information was improperly and illegally obtained from their systems. I am now highly subject to stolen identity and other frauds in my name.

Their investigation did not fix an error on your report

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Debt was result of identity theft

As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order AMERIFINACIAL SOLUTIONS to make recompense and pay redress and compensation for their trespass against me. AMERIFINACIAL SOLUTIONS has been attempting to extort and rob me using deceptive, false and misleading, abusive practices against me personally, my family and my household. This is criminal activity at least and is unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name. 18. Invasion of Individual and Family Privacy

Other problem getting your report or credit score

I am trying to buy a house and my lender is unable to pull my credit from Equifax.I both have made numerous calls to Equifax since XX/XX/XXXX to clear up any issues. Equifax says that there is no block on my credit. My lender has reached out to his vendor as well yet the error still remains the same. I just got off the phone again today XX/XX/XXXX and the woman on the phone said there was nothing else she could do then gave me a number to customer service that could. I called the number and it was no longer in service.

Personal information

I am not sure who the credit reporting company is that have the wrong address information. I never resided at XXXX XXXX XXXX, XXXX, XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Please update my personal information to reflect this.

Investigation took more than 30 days

I have been taking advantage of due to malpractice while several laws have been broken under the FCRA by your company. This is causing me financial injury and defamation of character. I am unable to get a job or apply for credit. This has hurt the credibility of hurting my credit.

Problem getting your free annual credit report

I tried to get my credit report to open and access the mysocialsecurity.gov account process. I received a report from two companies but equifax refused to provide me with my annual report. They also blocked my access to register for the social security account that I am entitled to use by law. I called the company and they demanded I send a copy of my driver 's license and social security card. XXXX XXXX advised that I not do this as it opens me up to identity theft. The equifax representatives spoke about my account requiring verification although it has not needed this in past years and they refused to give me any further information such as what triggered this verification need and although I tried through them to get to someone who could tell me why the status was blocked they refused to tell me. I filed a complaint with you regarding this and the response was that they could not locate a file for me even though on the phone they indicated that there was one, but they could not access it without copies of my license and social security card - and provided one in the prior year ( s ). So they essentially lied to your agency in their response and to me as well. I do have a credit history as XXXX and XXXX demonstrated by providing reports from their records. I request that Equifax re-examine their file and provide me with my annual credit report per their federal mandate. I jointly share credit with my spouse and he was also blocked and had to go through several other procedures to access his social security options - including registering for XXXX. We have bank accounts and credit cards and have actively used credit in the past 10 years on a monthly basis. I still maintain that requiring me to send a copy of my social security card and driver 's license is unsafe and unnecessary. I still want CFPB to require them to find my file and send a copy of it to me. If they have " lost '' my information that is a breach that compromises my identity and future benefits in my retirement years and I am entitled to know about that loss/breach of security. I am also entitled to know what organizations have requested information on my credit - which they refused to provide. They also refused to tell me if there was an alert or fraud notice related to my credit. Resolution - provide me the report as requested without my having to provide copies of my driver 's license or social security card. Mail it to either of my addresses - the one I have used for the last four years or the one I have used for the last 20 years - both are still good addresses as I have two homes while I am still working. It will get to me, but it needs to be provided without the present run-around.

Received bad information about your loan

XXXX XXXX XXXX - I called Discover Student Lo ans and asked about deferment options. Explained in detail that my truck was broken and the estimate I was given to fix it was $ XXXX {$5000.00}. I was told I could defer my payment for XXXX and have repayments start up again in XXXX . They read to me over the phone the clause about understanding how th e 3-month deferment would effect future payments and I agreed. One month later I receive notificati ons that my payments are past due. I called DSL and asked them what happened to my deferment, they said notices were sent XXXX and XXXX , I told them I was on a trip on XXXX and have n't checked my mail since we got back almost a week later but that I did get the email notification. They outright said " looking at the notes here I apologize you were given the wrong information, you should not have been offered the deferment to start with. '' I asked them what they could do because I already had made a realistic financial plan for the 3 months around fixing my truck and still paying my mortgage and other necessary home expenses. They forwarded me to a Senior Accountant and he said " well if we do n't receive payments after 68 days we 're reporting you to the Credit Bureaus. '' Then he corrected himself and said we need almost {$800.00} in less than one mo nth!!! I told him, does no one understsand the situation I 'm in, I specifically gave all my information about my truck and I 'm just supposed to have {$800.00} in less than a month? I asked him - even though it was your fault for giving me the wrong information and even though I was approved on the phone, which it says in my account notes, there is absolutely NOTHING you can do, even though it 's DSL 's fault? He said yes, nothing they can do even though it was their fault. I asked if they could just honor what I was approved for because I had planned on starting repayments in XXXX , he said no. Then he started to give me attitude and said - well we sent a letter that you did n't qualify on XXXX XXXX , I told him I did n't get that letter and he just kept giving me attitude. Really?! So they can give their consumers wrong information, approve products, and then " send a letter '' saying you were denied, no phone call, no email. I explained to them the situation from the beginning and stressed my financial situation, I said I could even forward receipts f or towing, parts, labor etc to prove how much it was costing me to fix my truck. The Accountant still said - there is nothing we can do even though we gave you the wrong information.

Account status incorrect

The information currently reflecting on my personal credit from " XXXX XXXX '' is being reported as derogatory. This negative information should not be reflected at this point due to it meeting the 7 year threshold negative information should be showing on a credit report. I'm requesting that all accounts be updated to a positive status and/or deleted from my file.

Debt is not yours

I am not the Guarantor of these accounts listed below. I demand they be deleted as were on my other credit reports. XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX balance {$1600.00} Credit limit {$1300.00} XXXX XXXXXXXX XXXX XXXX Account number XXXX Balance {$1100.00} Credit limit {$850.00}

Account status incorrect

Equifax ; XXXX and XXXX should not be reporting that I am ( 30 ) days late in XXXX, 2020 on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to continue the investigation of my complaint. ) I contacted the dealership directly to defer a payment due to the COVID 19 lockdown. The customer service representative I spoke with said they would work with me on the deferment agreement and that no late would be reported. Unfortunately, the customer service representative lied and did not honor our arrangement. XXXX XXXX XXXX will consider payment deferrals on a case-by-case basis. Mot deferrals offered will be between ( 30-60 ) days. This is per the COVID practices of XXXX. Clearly, I was within the ( 30-60 ) day time frame. This false reporting of a late is seriously harming my credit score and this late needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Information is not mine

I submitted a complaint against Equifax. By law, they are compelled to respond within 30 days. They said they would and have n't. As per law, I am allowed {$1000.00} per incorrect item reported. I am demanding {$1000.00} per item that I disputed ( by XXXX/XXXX/2015 ), all disputes be removed from reports and this file be forwarded to the proper regulators for prosecution. I am due damages for their incorrect reporting and plan to sue if this is not resolved promptly.

Reporting company used your report improperly

Multiple letter sent to companies involved from 2018 until present day. 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 Equifax XXXX and XXXX has violated my rights. 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 can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-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.

Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Debt is not yours

ALPINE CREDIT INC on behalf of XXXX XXXX MD put a {$38.00} collection account on my credit they are claiming to be my wife 's. One that I know I never co-signed on, yet they are reporting it as such. When I call to have them correct the issue they become combative, wrongly tell me this is Colorado State Law and hang up on me.

Debt was paid

I Had moved from my previous address in XX/XX/XXXX of 2018. I spoke to a few representatives and there were several issue at the time. I had owed last months bill which was paid. I also had several issues with paying that bill as well at the time because the amount was outrageous and could not be justified by XXXX XXXX. I believe my bill was mixed up with my ex-husbands name XXXX XXXX who had previously moved out and our bills where intertwined at the time. They also stated he had another bill, but I was not interested to hear his other account info. I went back and forth several months after I moved, and was going to pay because it was on my report, but one of XXXX XXXX associates I finally spoke to saw their was a discrepancy on more than one of my bills and stated that it would be taken care of and it was removed from my Credit Report at that time. I'm in the process of buying a new home and I pulled my report and saw it was back on my account almost 2 years later still trying to get the bill pushed for payment? I will not tolerate this injustice of playing around with someone SSN as they removed it knowing it was an error on their part and then removing it to then trying to slap it back on my credit report to get a payment that ' not mine. I refused to be bullied into making someone else 's payment or just their billing depts error for their profit of {$1100.00} for a utility bill, that's an insane $ amount for a monthly payment for anyone. If they allowed that amount to go on that " their fault for allowing someone's bill to get that high and should be criminal if they think that will be accepted.

Information belongs to someone else

EQUIFAX AND XXXX is in contempt of fixing my credit report. fraud accounts. block all of the accounts listed below : Original Creditor Name : 11 XXXX Opened XX/XX/XXXX ( 2 mos ) Account status Open Original Creditor Name : XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX ) Account status Open Inquiry details XXXX - XXXX XXXX from XX/XX/XXXX + Telephone Companies XXXX - XXXX XXXX from XX/XX/XXXX + Telephone Companies because these are the accounts and inquiry that needs to blocked permanently from my credit report. BLOCK THESE ACCOUNTS THIS ACCOUNT IS UNVERIFIABLE AND HAS NO VALID EVIDENCE TO MAINTAIN THIS FICTITIOUS CLAIM.

Their investigation did not fix an error on your report

On XX/XX/XXXX, I disputed with XXXX XXXX two items on my Equifax Credit Report that were sent via certified mail. XXXX XXXX never replied within the time frame allowed. On XX/XX/XXXX I disputed with XXXX XXXX again regarding the two items on my Equifax Credit report, XXXX XXXX did reply on XX/XX/XXXX, regarding the XXXX, however it was not within the time frame, and there was never a reply regarding the {$610.00}, Either one of these two items were ever verified. This was also outlined in my complaint # XXXX

Difficulty submitting a dispute or getting information about a dispute over the phone

LEXIS NEXIS keeps hanging up on me when I call to request their consumer report file they have on me. The last call I made to LEXIS NEXIS on XX/XX/2021 - XXXX provided the verified address on my driver 's license - which they claimed did not match their system. I am very concerned LEXIS NEXIS is, allegedly, defaming and misreporting information in my consumer report file - which is causing credit declines and adversely affecting my ability to do business. I request LEXIS NEXIS either provide electronic access to my report or, in the alternative, mail my report to me : XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX If LEXIS NEXIS continues to refuse to provide me my consumer report in a reasonable time- I shall take all appropriate legal action per Fair Credit Reporting Act.

Reporting company used your report improperly

In according with the Fair Credit Reporting act XXXX, Account name- XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Difficulty submitting a dispute or getting information about a dispute over the phone

I pay a monthly fee for Equifax score watch consumer product however Equifax fails to update my credit score I paid several account off in the past 45 days Equifax report shows that the account balances did drcrrase however my credit score has remained the same the other consumer reporting agencies has received the same information as Equifax and my credit score with them has increased over 100 points in addition one creditor has advised me that they were unsuccessful even trying to pull my credit from Equifax because it comes back with no score

Debt is not yours

XX/XX/2020 contacted I.C Systems for reporting a debt to my credit report. Gave them all the information from the original creditor to support my claim that it is not mine. They will not remove it.

Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 Attorney General of Maryland I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy. 15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. XXXX. Account Name : State XXXX Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy. 15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : XXXX Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy. 15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy. 15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. XXXX. Account Name XXXX XXXX XXXXXXXX Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy. 15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : XXXX Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy. 15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : XXXX XXXX Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy. 15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : XXXX XXXX Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy. 15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy. 15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX XXXX

Information belongs to someone else

I applied for a personal loan at XXXX today XX/XX/20 but I was not approved. They told me the reason they were not able to approve me for a loan was because there are accounts reflecting negatively on my credit. I looked through my credit report and I saw accounts from these companies that do not belong to me. XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I have never opened an account with those companies nor do I have any written or verbal contract with them. I have never given anyone permission to open any account on my behalf and I did not gain anything as a result of those accounts that were opened in my name such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I took it upon myself to file a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

Information belongs to someone else

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. ( I LOST MY SOCIAL SECURITY CARD AS A VICTIM OF IDENTITY THEFT. I WAS ABLE TO ATTACH MY FTC AFFIVDAVIT, LETTERS TO EACH CREDIT BUREAU, AND THE TWO FORMS OF ID I CAN PROVIDE. )

Their investigation did not fix an error on your report

I am having a hard time believing that an investigation was done regarding an account that's reporting on my credit report. A company by the name of Jefferson Capital is reporting a collection account to the bureaus. I disputed this months ago because I've never had an account with this company. The original creditor is XXXX XXXX and I have already discussed payment plans. The amount on this account is not the same balance that I have with the original creditor. A remark is on my credit report acknowledging that I disputed this account, but I have yet to receive validation. Please provide the original contract where it includes Jefferson Capital as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information, please remove this permanently from my credit report.

Was not notified of investigation status or results

This is not a error and I am a consumer by law and I sent letter regarding inaccurate things on my credit report. I feel I am being taken advantage of and being ignored with my dispute.

Received bad information about your loan

I paid off my student loans in XXXX The lender then sold my loan, went out of business, and my loan was sold 3 more times. All while interest upon interest has been adding up for the interim XXXX years at a 9 % rate. I have escalated this matter to the XXXX services, to no good end and am getting ready to send a package to the Dept of Education. XXXX is incorrectly reporting this information as well. I am unable to get a mortgage loan with this {$110000.00} debt on my credit and beseech you to help me clear this debt off, once and for all.

Can't temporarily delay making payments

I have had my student loans on my credit report for too long now I and I keep telling them I can not afford to make the payments as necessary dye to job income reasons and too the fact that I 'm already drowing in debt I have to delayed the payment but they did not give me the option to do so and I do n't want this to keep making my credit score very low they either need to discharge it because the school did not give me proper information in regards to loan and I still was misinformed about the program now the XXXX XXXX XXXX is now CLOSED and I do n't feel I should be liable to pay especially since they did n't give me the proper agreements when I signed up for school and right now I 'm having troubles making the required payments so they need to do something about this because I cant make the payments sorry! this has been going on since XX/XX/10 fyi

Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more than 88 times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 90 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers they don't help you at all This was a first step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 88 times in the last 120 days. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this The credit bureaus never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's 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. They did not do this. Also they have violated my rights even more. The credit bureaus stated my account was properly investigated but how is that possible if I never gave these creditors WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN OR CLOSE ANY ACCOUNT. THESE BALANCES IS IN ACCURATE, PAYMENT STATUS AND HISTORY IN ACCURATE, LAST ACTIVITY DATE IS IN ACCURATE, ALL INFORMATION REGARDING THESE NEGATIVE INSTALLMENT LOAN IS INACCURATE.Someone is using my personal information pretending to be me to obtain credit. I don't know anything about this fraudulent account. I don't have any closed OR OPEN accounts with THESE LISTED CREDITORS BELOW WITH MY DOCUMENTATION. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated it was properly investigated but how is that even possible if THESE CREDITORS DID NOT GET ANY WRITTEN SIGNATURE, CONSENT OR AUTHORIZATION FROM ME. This account is fraud and does not belong to me, this is in accurate, I have never opened or closed any account with THESE CREDITORS I ask for documents with signature or authorization, they did not submit my request.This grounds for removal and deletion immediately. I never gave THESE CREDITORS ANY WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN THIS ACCOUNT. THIS IS FRAUD. I'VE ASK FOR SIGNED DOCUMENTS WITH MY SIGNATURE GIVING WRITTEN CONSENT TO OPEN THIS FRAUDULENT CREDIT ACCOUNTS. SOMEONE USE MY PERSONAL INFORMATION PRETENDING TO BE ME WITHOUT MY AUTHORIZATION OR CONSENT TO OPEN OR CLOSE ANY CREDIT ACCOUNT WITH THESE CREDITORS BELOW They also violated the law because according to 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written consent. In accordance with the Fair Credit Reporting act WITH THESE CREDITORS BELOW EQUIFAX AND XXXX AND XXXX has violated my rights. 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 can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECTION 604 15 U.S CODE 1681 B THE LAW STATES THAT NO ONE CAN FURNISH INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. SECTION 605 A 15 U.S CODE 1681 C-1 WITH NO WRITTEN CONSENT OR INSTRUCTIONS THAT WOULD IN FACT BE IDENTITY THEFT SECTION 605 B 15 U.S CODE 1681C A copy of section 605B of the Fair Credit Reporting Act, whichrequires you to block the.fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of thisinformation.

Unable to open an account

I was able to open the city goal checking account debit card number XXXX. When I tried to transfer money to this account it was closed. When I called in team choir why I was told it was because there was some negative history with the bank. When I inquired about resolving it they told me that I would have to go into a branch. I explained they had an XXXX XXXX XXXXe and the pandemic offered risk to me and I was not going to places like branches under doctors orders. When I asked to ask could be done so I could open the account they said I would have to visit a branch. I explained I didn't find that hair because it was discrimination against people or that used to try to limit contact with other people during the pandemic. I believe that they need to adapt to the current state of the world and if I would be able to open an account by going to the branch another and the pandemic offered risk to me and I was not going to places like branches under doctors orders. When I asked to ask could be done so I could open the account they said I would have to visit a branch. I explained I didn't find that hair because it was discrimination against people or that used to try to limit contact with other people during the pandemic. I believe that they need to adapt to the current state of the world and if I would be able to open an account by going to the branch another Mechanism must be made available in these times

Information belongs to someone else

Equifax is re-reporting a previously removed fraudulent collection account that was a result of identity theft. The account listed under XXXX XXXX XXXX was removed in XX/XX/XXXX, However, Equifax re-reported it in XX/XX/XXXX without notifying me. This is a clearly violation of the FCRA as they are not supposed to re-report a previously removed account without notifying me which they did not do. In addition, there customer service representatives were of no assistance and did not care that the account had already been removed.

Investigation took more than 30 days

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and the latter was truth and lending act and finally some misinformation like my name, address, and employer to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Credit inquiries on your report that you don't recognize

Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.

Information belongs to someone else

I was going over my credit report I noticed an from XXXX XXXX BAL {$1800.00}, XXXX XXXX {$XXXX}, I have never had an account or contract for service with THESE COMPANIES. I was recently a victim of fraud and I demand that they provide historical data regarding all consumer materials reported to any credit reporting agencies for my name XXXX XXXX. Since serious problems may be present in those files, I am compelled to demand that your company send all validation materials promptly. Moreover please attest that any third-party collection agency, if engaged, is bonded to collect in my state of residence due to unfortunate financial events related to my having been a victim of fraud. This is not a request for a non detailed overview. Instead, I am calling for a full verification. If this documentation can not be provided within 30 days, any detail sent by your company to the credit bureaus should be regarded as unreliable and may evidence a disregard for the Fair Debt Collection Practices Act or other applicable statutes. In that case, annul such consumer information without delay. Thanks sincerely for XXXX XXXX diligent examination of this matter.

Debt is not yours

I already sent a creditor letter and debt validation letter for the account listed under my name which is giving a bad impact on my credit report. I disputed it for lack of accuracy for the item added to my account. Company Name : XXXX XXXX, the account was last updated in the sum of {$0.00} on XX/XX/2021. Company Name : XXXX XXXX XXXX ( original Creditor XXXXXXXX XXXX ), the account was last updated in the sum of {$540.00} on XX/XX/2021.

Was not notified of investigation status or results

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Information belongs to someone else

Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..

Was not notified of investigation status or results

Dear Sir or Madam, *1. XXXX Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Transaction was not authorized

I received a call from my bank 's phone number saying that someone tried to take {$2500.00} from my account and that they needed to transfer it back into my account. I did not give them any information they had access to all of my accounts and proceeded to remove the money from my account using XXXX. There was nothing I could do to try and cancel the transaction and my bank said it is unlikely that I will get the money back because it was a XXXX transaction, even though I did not authorize the transaction.

Overcharged for something you did purchase with the card

On XX/XX/XXXX I purchased a digital product for {$8.00}. I was charged {$2000.00}. I immediately filed a dispute with my credit card company as well as the Merchant. The Merchant stated they only ever received {$8.00}. The credit card company has acknowledged that this is correct. The credit card company has still not fixed this and every time I try to follow up I have to start from the beginning. Sometimes they put me on hold and eventually disconnect the call. I tried to contact the dispute department again today ( XX/XX/XXXX ) and was put on hold and then hung up on. I have done everything I have been asked. I do not know what more I can do.

Debt is not yours

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Information belongs to someone else

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus ( XXXX, XXXX and Equifax ) have not responded back to me about my investigation. I sent a letter stating XXXX XXXX XXXX is reporting a 30 days late on XX/XX/2020 which is inaccurate and it should be showing 'Current ', it's more than 60 days. I need this account updated to reflect the accurate information. They are defaming my character because I can not get approved for a home or car loan. Now I am homeless. This is devastating for me and my family.

Information belongs to someone else

However I have not had any accounts with your company, and I cant recall if I have gotten any calls or letters from you. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. Can you please send me information showing that these debts are actually mine? And if they are mine, can you send me information that shows the amounts that I owe, because the amounts that these accounts say I owe seem higher than anything I was ever responsible for. I am also requesting that you stop reporting these debts to my credit or at least tell my credit reports that I am disputing the amounts and accounts. Also, please send me copies of whatever you send to my credit reports and whatever they send back to you. Because I dont recognize these debts, and for the ones I recognize, I dont believe I owe as much as it says I do, I am also asking that you no longer contact me by phone about them, especially because people are calling my cellphone and I dont want calls to my cellphone.

Account information incorrect

ALLY FINANCIAL # XXXX is still reporting a balance on my credit report but the balance has been settled in full. See attached letter from Ally confirming.

Account information incorrect

ever since we bought the house in 2009 we had XXXX as our house mortgage bank. they sold to XXXX . I set up my payments to go to the wrong address, I use d one of the letters I received from XXXX but it was wrong address. the first payment or XXXX wer e cashed and I did n't hear anything from them. Until I received a letter stating I was late one month, I called my bank they said payment was se nt off, my bank then called XXXX and we realized I had the wrong payment address. so we put a stop payment on that months payment because it was going to take to long to send to the other address then cash. so I was actually never late, I have proof from my bank that money was available on the XXXX just sent to wrong address, I do n't want to be penalized for a mistake on a address, ive never been late.

Didn't receive services that were advertised

Experts Urge Rapid Patching of 'Struts ' Bug In XX/XX/2017, Equifax disclosed that a failure to patch one of its Internet servers against a pervasive software flaw in a Web component known as XXXX XXXX led to a breach that exposed personal data on 147 million Americans. I have been trying to repair my credit from information that was obtained on the dark web somehow. After disputing several items with this credit reporting agency as " fraudulent '' with an active fraud alert on my account, this company did not perform its due diligence in protecting me as the consumer leaving all the burden of proof on me against these companies who were accusing me of the fraudulent activity. After years of trying to get proof that I am indeed a fraud victim, and who knows at which point and for how long, and now I have that proof to include Equifax and their lack of properly validating debts after their security breach.

Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Loans Account # XXXX XXXX XXXX I has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Didn't receive notice of right to dispute

The Bureaus Inc put on my credit report an account where I was never served notice of the collection item and was never given a chance to dispute it or ask for proof of claim.

Reporting company used your report improperly

inIn accordance with the Fair Credit Reporting Act. The List of Accounts Violated My Federal Rights protected by privacy and confidentiality under 15 USC 1681 XXXX Account # XXXX 15 USC 1681 SECTION 602 A 1-STATES I have the right to privacy 15 USC SECTION 604 A SECTION 2- Also states a consumer agency can not furnish an account without written permission instruction 15 USC 1681c ( a ) ( 5 ) Section2- States no consumer reporting agency may make any consumer report containing any of the following items or information or any adverse item of information other that records of convictions of crimes which antedates the report by more than 7 years 15USC 1681s ( 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 its inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Their investigation did not fix an error on your report

This account with XXXX XXXX XXXX has been paid off and they are reporting me having a balance

Reporting company used your report improperly

In accordance with the fair credit reporting act, XXXX XXXX XXXX account # XXXX Loan Amount {$6000.00} has violated my rights. In accordance with the fair credit reporting act, XXXX XXXX XXXX account # XXXX Loan Amount {$2200.00} has violated my rights. In accordance with the fair credit reporting act, XXXX XXXX XXXX account # XXXX Loan Amount {$500.00} has violated my rights. In accordance with the fair credit reporting act, XXXX XXXX XXXX account # XXXX Loan Amount {$4500.00} has violated my rights. In accordance with the fair credit reporting act, XXXX XXXX XXXX account # XXXX Loan Amount {$3000.00} Date opened XX/XX/XXXX, has violated my rights. In accordance with the fair credit reporting act, XXXX XXXX XXXX account # XXXX Loan Amount {$5000.00} has violated my rights. In accordance with the fair credit reporting act, XXXX XXXX XXXX account # XXXX Loan Amount {$920.00} has violated my rights. In accordance with the fair credit reporting act, XXXX XXXX XXXX account # XXXX Loan Amount {$1000.00} has violated my rights. In accordance with the fair credit reporting act, XXXX XXXX XXXX account # XXXX Loan Amount {$3000.00} Date opened XX/XX/XXXX, has violated my rights. 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

Credit inquiries on your report that you don't recognize

I noticed a few inquiries on my credit report that I do not recognize

Information belongs to someone else

Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX

Account status

I had a contract with XXXX XXXX XXXX. I was set up to have XXXX draft the monthly fee out of my checking account. XX/XX/XXXX I sold my home and contacted XXXX to try and cancel my contract. I spoke to a supervisor and he agreed to cancel the contract. The last payment was drafted out of my account on XXXX XXXX, XXXX. I have not received any calls or a letter from XXXX notifying me of any problems. I checked my Equifax credit report in XXXX XXXX and saw a derogatory report from XXXX saying that I have had several missed payments and the report shows payments being made through XX/XX/XXXX and then since then all my payments are past due. This is incorrect. If XXXX had not cancelled my account then why did they discontinue the monthly drafts from my checking account. I filed a dispute through Equifax but have not received a response. I looked XXXX up online and they have only a XXXX star rating and there are numerous complaints from consumers the same or similar to mine. Why is a company allowed to operate so dishonestly? It is unfair for a company to just be able to ruin someones credit!

Information belongs to someone else

I recently checked my updated personal credit report and I noticed unauthorized inquiries still remain on my personal credit report I contacted these companies and asked them to remove their inquiries from my credit profile. Below are list of unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Credit inquiries on your report that you don't recognize

I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with them : # 1. XXXX XXXX XXXX XXXX XXXX Loan Amount {$560.00}, XX/XX/2020. # 2. XXXX XXXX -Loan Amount {$420.00}, XX/XX/2020. # 3. XXXX XXXX XXXXLoan Amount {$1300.00}, XX/XX/2020. # 4. XXXX XXXX XXXX Loan Amount {$0.00} XX/XX/2020. # 5. XXXX XXXX XXXX XXXX - Loan Amount {$0.00} XX/XX/2020.

Difficulty submitting a dispute or getting information about a dispute over the phone

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Their investigation did not fix an error on your report

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The account listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}XXXX XXXX XXXX XX/XX/XXXX {$14000.00}.

Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting act these accounts below has violated my rights. - XXXX XXXX XXXX XXXX XXXXAccount # XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount # - XXXX - XXXX XXXX XXXX /Account # - XXXX - XXXX XXXX XXXX XXXX /Account # - XXXX - XXXX XXXX XXXX /Account XXXX XXXX XXXX 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 can not furnish a account without my written instructions

No notice of investigation status/result

I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you

Information belongs to someone else

( a ) XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; XXXX XXXX XXXX a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and XXXX XXXX XXXX a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection XXXX a ) of this section ( XXXX ) that the information XXXX be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section ; and ( XXXX ) of the effective dates of the block. XXXX c XXXX XXXX to decline or rescind. ( XXXX ) In general. A consumer reporting agency XXXX decline to block, or XXXX rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( XXXX ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section XXXX ( a ) ( XXXX ) ( B ) of this title. ( XXXX ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( XXXX ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer XXXX report the identity theft to the XXXX to obtain consumer information regarding identity theft. ( XXXX ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if XXXX XXXX XXXX the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and XXXX XXXX XXXX the consumer reporting agency is a reseller of the identified information. ( XXXX ) Notice. In carrying out its obligation under paragraph ( XXXX ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. XXXX XXXX XXXX XXXX for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning XXXX business days after receipt of information described in paragraphs ( XXXX ) through ( XXXX ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section XXXX ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a XXXX, XXXX, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.

Frequent or repeated calls

call and call and call repeatedly and calling me at work

Difficulty submitting a dispute or getting information about a dispute over the phone

30 Day Late listed on credit report. I sent the correct documents to validate and support my claim. The account have been removed from the other two major bureaus, but Equifax has yet to address the issue, remove the account or at least the 30 day late and the balance reported.

Credit card company isn't resolving a dispute about a purchase on your statement

Booking # XXXX : XXXX cancelled the outbound flight from XXXX and reissued outbound from XXXX, 60 KM/40 miles away and three hours earlier (!!! ), a significant and unreasonable itinerary change. Discover Card was tricked by XXXX inaccurate documents and dispute # XXXX was prematurely closed without action. Dispute was also deleted from customer online portal, precluding upload of supporting documents. Pursuant to " Enhancing Airline Passenger Protections '', 76 Fed. Reg. 23110-01, at 23129 ( Apr. 25, 2011 ) and 49 U.S.C. 41712, as well as European Union Regulation EC 261/2004, please kindly REFUND original airfare for {$680.00} to the original form of payment ending in XXXX

Other problem getting your report or credit score

I have been trying for two days ( XX/XX/XXXX & XXXX, 2020 ) online and on the phone tring to get my log in information so I can log in to our accounts check our report and then put a freeze on both of our accounts. When I get online it tells me my password is wrong so I change it. It lets me change it by sending a link to my email, but still won't let me in, tells me to call. When I call they ask me a bunch of questions which I answer all of them CORRECTLY. I am not stupid I know how much I owe and to whom, but I don't know if they have the correct information because they won't let me into my account to check it. I want to freeze both our accounts because of all the fraud and breeches going on. I can't even do that! Also why do every number I call for them sends me overseas to a person that I can not understand on the phone! No wonder there are such problems. Why are all the call centers for our credit not in the United States?! I want someone from Equifax in the United States to call me get me into my account so I can freeze it.

Reporting company used your report improperly

XXXX, XXXX, and Exquifax stated that these accounts were properly investigated and verified as accurate but this is impossible since the companies are reporting conflicting information which is supposed to derive from the same source? The high balance, Last verified, date of last activity, date reported, date opened, close date, account description, dispute status, creditor type, payment status, creditor remarks, last payment, are different and therefore is reporting inaccurately. This is grounds for removal of this account from my credit file. Under 15 U.S.C. 1681 Section 602 A4, Congress states that as a consumer I have a right to privacy. That right has been violated. My rights as a consumer has been violated under 15 U.S.C 1681 section 604 A section 2, which states that a consumer reporting agency may not furnish an account without written instructions from the consumer. I have never given written instructions to XXXX, XXXX, Equifax or any other company to furnish these inaccurate accounts and therefore they must be deleted. The above mentioned CRA 's are furnishing and allowing other companies to furnish information on my consumer report which should not be on a credit report according to the FCRA. 15 USC {$1600.00} ( 2 ) ( a ) ( i ) says that the term " consumer report '' does not include ( A ) Subject to section 16815-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report To clarify a " late payment '' is a transaction and high balance, high utilization, a chargeoff etc are all experiences between me the consumer and XXXX, XXXX, Equifax etc `` the person '' making the report.

Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, has violated my rights. XXXX XXXX ACCOUNT- XXXX XXXX XXXX XXXX XXXX ACCOUNT-XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX 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 can not furnish a account without my written instructions

Reporting company used your report improperly

I sent my letter off on XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts listed below. Also I have attached tracking # of the letters that I sent to the credit bureaus along with the credit reports showing the inaccuracies. According to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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. They stated that my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate, and according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. AccountXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Card was charged for something you did not purchase with the card

In XXXX and XXXX of 2019 I made two separate orders at Macys.com. These orders were delivered successfully. The Macys app correctly showed both orders as paid in full with no further purchases. However, when my paper bill arrived there were numerous fraudulent charges during that period that were NOT listed on the Macys app! I filed a fraud report with Macys ; they replaced my credit card. However, after speaking with dozens of Macys employees, receiving multiple letters from different departments ( no one seems to talk to each other! ) the issue is still not resolved. I am also receiving DAILY emails that I have a credit balance! These emails seem to be designed for people who dont pay their bills I have a credit according to Macys and I find these daily email security alerts harassment. I can only imagine people who arent able to pay their bills are also receiving daily alerts. Isnt that illegal? When I called Macys to tell them according to my records I dont have a credit balance, they said theyd fix it. The next statement DOUBLED my credit balance. When I called today to ask them to stop sending me daily emails, they said theyd issue me a refund check which would stop the emails. They were not interested when I said the credit amount was in error. What a hassle and they still havent resolved the fraudulent activity on my account!

Their investigation did not fix an error on your report

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting 100 % accurate. Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code XXXX681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

Information belongs to someone else

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ;

Investigation took more than 30 days

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Frequent or repeated calls

Since XX/XX/XXXX this Conn 's Home Plus has called me everyday 6 times a day to ask to me to pay {$72.00} on an account that is past due two days. I should not have to explain my financial situation to anyone as long as I make my payments before the 30 days so, my credit is not affected. If I did not pay within 30 days I understand that they may take action by reporting me to the credit bureau. I am going to pay them but, 6 times a day seems quit excessive for someone that is not even 30 days past due.

Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$28000.00}, {$0.00}, {$54.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 2. XXXX XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. -- AUTO ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. -- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$54.00} -This is not my account.

Debt was paid

They are claiming that I have a debt with XXXX and them .... I called to confirm that I have NO debt with XXXX and they are harassing my family and i to pay them money that we do not owe.

Their investigation did not fix an error on your report

I have submitted several letters to 2 credit bureaus- Equifax and XXXX disputing this Account with ( XXXX XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', XXXXdate verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM BOTH BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. BOTH credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

Information belongs to someone else

I am a victim of identity theft and did not make the charges.

Information belongs to someone else

Someone got hold of my XXXX XXXX card and used it. When I notice it I contacted the company right away to let them know, but for some reason they want me to pay for it. And they have a company by the name of XXXX XXXX XXXX contacting me

Fees charged for closing account

I would like to report a scam! In or around XXXX XXXX, XXXX I opened account # XXXX with Citibank for {$110000.00}. Unfortunately, I hadnt established plans for these funds yet, so I placed {$49000.00} in a Citibank CD. As my plans developed, I realized a CD was probably a bad decision and converted it back to regular savings. As a result, I incurred a {$61.00} penalty. Im not necessarily disputing this charge, it was the result of my error in decision making. A couple months later, I discovered a good direction for the funds and invested in an income property. I discovered a property around XXXX XXXX, XXXX. I walked into a branch on XXXX XXXX to execute a wire transfer for the full amount in account # XXXX. I also advised the banker that this transaction also closes out the account. At this exact stage in the process, I feel there should be no further action necessary on my part for the following reasons : 1. This was a savings account, so there were no outstanding checks for either party to be concerned about. 2. Citibanks system would not allow me to execute an online wire transfer for the full amount of my account ; therefore, I had to physically go into a branch to have a banker execute a wire transfer and close out my account. a. If I were writing process steps for a customers savings account close-out process, the customers obligation would end HERE! There is absolutely no logical reason a customer should have any duty beyond this point. It is not my responsibility to help Citibank clean up its accounts. If I physically walk into a branch, withdraw my money and terminate my relationship with the bank for whatever reason, there should be nothing else! But unfortunately, like a jilted lover there is more. 3. When I expressed my intentions of executing a wire transfer for the full amount of my account and closing the account, the banking associate asked me to call in a few days later to close out the account. I dont know why my account wasnt placed on some internal Citibank employee close-out list, and just taken care of. Why do I need to express my intentions twice? To add insult to injury, apparently following those steps was't even sufficient. Because XXXX months later I am receiving threatening e-mails about an account I closed out XXXX months ago. 4. As ridiculous as this matter is, my attached phone records prove I followed he directions and called the number on the back of my Citibank ATM card to close-out my account. I spoke to a Banking associate on the phone, provided her with the details of my latest transaction and informed her of my wishes to close my account and terminate my banking relationship with Citibank. I see this as nothing more than an obvious scam to try and squeeze more money out of consumers. The person on the phone assured me the process had been completed, yet XXXX months later Im still being contacted regarding {$55.00} in outstanding service charges. This is not my problem, Citibank needs to revise their Savings account close-out procedures and stop trying to scam consumers for more money. I did everything I was supposed to do. No matter whether we are in person, or on the phone, we are at the mercy of banking employees and trusting them to follow through on our requests. My position is that it is the banks responsibility to trace their employee on the receiving end of my phone call, and determine why my account was not closed out on XXXX XXXX nor 3 days later on the XXXX. When in this process, do you own up to your broken processes and procedures? Therefore, fair resolution in my eyes would be clearing my name of the {$55.00} debt, and stop sending me e-mails, period!

No notice of investigation status/result

You are showing my account with XXXX in collections this is not the case the house has been sold. See sale docs and the letter from XXXX that satisfied the loan in it 's entirely. PER YOUR LETTER!!! I am failing a complaint with the CFBP because I have asked that this be corrected more than ten times and I have been ignored. The loan should be displayed as paid as agreed per contract and the release send to me per your letter!!!!!!! Equifax has not deleted my bankruptcy per the court Oder per the settlement for the state of VA and Equifax. They have ignored my letters. Update XXXX as paid as agreed and Delete the Bankruptcy per court order

Debt is not yours

Im XX/XX/2020 via telephone call to ( XXXX ) XXXX, I requested validation of the service address for said {$190.00} debt IC System claims I owe. To this date I have not received that information. My previous dispute asserts that this debt is not my debt, however, despite this, they continue to report it as mine on my XXXX credit report.

Debt is not yours

On XX/XX/XXXX, I was granted permission per XXXX XXXX XXXX XXXX for a termination of my lease based of security and hazardous living conditions. Procollect Inc. has received this account to collect upon and they will not use the information I have provided to verify this account is inaccurate. I have contacted Procollect Inc. on numerous occasions and have received the worst customer service I have ever received from any collection agency. There are a number of reasons I would like this account to be fully investigated based off dates, emails, police reports and evidence provided. 1. Procollect Inc. has failed to provide an explanation for the reason of the additional month of rent and fees. 2. Procollect Inc. has provided three different explanation of the current charges and I have not received any validation or verification letter. I have been requesting this information since XX/XX/XXXX. I have only received offers to pay 50 %. 3. Procollect Inc. will not accept evidence I have presented as they have verified that the evidence I have provided is accurate and correct. I was told that contacting the original creditor would not make any difference but they would investigate and have found this to be true. On XX/XX/XXXX, I was granted permission per XXXX XXXX XXXX XXXX for a termination of my lease based of security and hazardous living conditions. I was at an age I was not familiar with receiving a XXXX balanced lease ( as Procollect has requested ) to ensure this would have happened. However, I was granted permission to remove myself from their property due to first a sewer issue that caused XXXX to flood all pipe lines and the floor of the apartment. I begged to leave the permission from the time I moved in because all the issues that were occurring. After the last incident ( police report included ) upon moving in I was told that this complex had a camera system and ensured the safety of their residence, however, this was untrue and someone damaged my vehicle in front of a camera in use sign. The safety and security of their residence was being falsely advertised and I was only a college student that didnt expect to move into such a horrible place. The police and Health department was involved and on XX/XX/XXXX I was granted permission to leave and a report was filed on the damages of my car. I never knew that this account was sent to collections and this has been affecting me build my credit because this is inaccurate. Procollect Inc. has stated that I am being charged XX/XX/XXXX and XX/XX/XXXX which is for an additional month of rent and some key change fees but I had to submit the keys by XX/XX/XXXX and why charge for a key change if the keys were submitted. Once keys are submitted no fees should be added. The rent was {$550.00} a month and I am being charged {$640.00} as this does not make any since. I have spoken with XXXX, XXXX and a XXXX XXXX in regards to this account at Procollect I have provided all evidence and the evidence provided has not been accepted. I was told that I refused payment, I had 3 days until payment, didnt care about my safety or security in regards to this matter, my evidence was not enough and they wouldnt take any evidence that I had although verified by the original account owner and last but not least that they have provided different stories based on the evidence that I present and i do not believe this is fair. Although Procollect Inc and I have had some issues in the past with resolving this debt, and I was treated horribly, this debt is inaccurate and I would like to come to a conclusion based of facts, dates and proof. I have never had a lease contract with Procollect but XXXX XXXX terminated my lease indicating I have a {$0.00} balance.

Information belongs to someone else

The following accounts are fraudulent and they do not belong to me please remove them all. 1. XXXX XXXX {$370.00} 2. XXXX XXXX {$240.00} 3. XXXX XXXX {$60.00} 4. XXXX XXXX {$180.00}