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Personal information incorrect | There is incorrect personal information on my credit report. I need the bureaus to update this as soon as possible. |
Reporting company used your report improperly | I am the consumer, in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the given name GREEN, CONSUMER, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will CONSUMER, GREEN and autograph as the agent, attorney in fact, so be it.
I did not give consent to XXXX, Equifax, nor XXXX to report XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXXXXXX XXXX XXXX to my consumer report.
15 U.S Code 1681a No Consent, is Identity Theft 15 U.S. Code 1681b Permissible purposes on consumer reports ( a ) In General any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
I did not give XXXX written instructions to report anything on my consumer report.
15 U.S. Code 1681a ( 2 ) Exclusions ; the term " consumer report '' does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; XXXX XXXX and XXXX are in fact credit cards that are not supposed to be on my consumer report. |
Was not notified of investigation status or results | I sent a letter about 60 days ago and the bureau is not in compliance. They are disregarding a regular consumer dispute. This has me stressed out, having sent letters before this and still no response. |
Reporting company used your report improperly | The problem that I have is according to 15 Usc 1681A ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. |
Unexpected increase in interest rate | Citibank increased my interest to 29.49 % ( same penalty rate for missed payments ). I have not been late on a payment for many many years. I asked to explain why I'm being charged the penalty rate, and they could not provide an answer. I asked for a reasonable interest rate, and they said that their system does not allow them to lower the rate. |
Information belongs to someone else | Not Sure, but, this is clear identity theft, and someone has used my name, and i would like this to stop. This is a horrible experience to clean up and has cost me and my family even more time and energy trying to clean this up.
Please delete this information IMMEDIATELY! |
Was not notified of investigation status or results | My name is XXXX XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS XXXX INQUIRIES from my credit report immediately. |
Credit card company isn't resolving a dispute about a purchase on your statement | Discover Revolving credit card was opened fraudulently. I have disputed numerous times to have the account removed from my credit report. I have told them that my mail box has been broken into few times. An email was generated that does not belong to me. I need this fraudulent account to be removed from my credit report. seems like Discover is not understanding what is an identity theft. Thank you please help me to resolve this ongoing issue. Thank you |
Was not notified of investigation status or results | on XX/XX/XXXX XXXX I filed a dispute t items being reprted by a consumer repoting agency. they stalled the process by saying i need to send in more proof of my identy after i had already sent them my up to date stete id and social security card and a resent bill.
this information is invoilation to 18USC A1 2 a |
Card company isn't resolving a dispute about a purchase or transfer | Credit Karma is holding my phone and will not release them I can not use my phone as a father dispute the dispute was successful so I want to dispute and Credit Karma still will not release the hold off my account I have signed in my ID my driver 's license and also other things and it's getting really frustrated hoping to get this squared away so I don't have to keep dealing with this I have asked them multiple times to close my account but they keep saying it can not close my account but I also can I use my phone this is very irritating and I'm getting frustrated please look into this |
Money was taken from your account on the wrong day or for the wrong amount | dear sir, the problem being that i submitter a payment from XXXX XXXX in XXXX, louisiana of XXXX to authuris this payment to XXXX/us bank , on about XXXX instead they were 2 seperate transferes on the same day within a short amount of time and another transfere of XXXX was transfered from my account @ XXXX, i want XXXX returned to my account, i only authorised one payment of XXXX.called XXXX for assistance and was turned over to someone i could not understand what the problemi is or how to fix it, ... ... ... because of this, there will probaly be checks that will bounce..please help out, i live on social security and every dollar counts, i am a old vetran trying to live in this world to see my grand child before i die. XXXX XXXX The name of the supervisor I am dealing with at US Bank is XXXX XXXX phone number XXXX. |
Reporting company used your report improperly | In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX 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 an account without my written instructions. |
Reporting company used your report improperly | Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. There has been a warning on my report to not approve such things. My credit report with Equifax is a complete mess, full of inaccuracies, and they have chosen not to deal with it. This is unacceptable. Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to grant credit, credit access, credit inquiries, and other things. These entries should and shall be removed.
I have been locked out and I am unable to have my account restored, even though I am paying a monthly subscription fee to Equifax. I can not get access. My score reports back as "? '' and everything is hidden, unavailable, or technical errors pop up. I have talked with Equifax many times, I have verified myself over the phone, they have acknowledge they are in receipt of my unlock requests, yet, I still can not gain access to my account, credit report, score, or any other credit related information. I am 100 % locked out and I can not do anything about it and Equifax refuses to resolve the issue, |
Information belongs to someone else | THE INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY NAME AND SOCIAL SECURITY NUMBER AND PHOTO ID TO APPLY FOR FRAUDULENT ACCOUNTS USING MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law. |
Account status incorrect | I pulled my credit reports from XXXX and became aware of inaccurate and incomplete account information being furnished by your company to each of the consumer reporting agencies : including XXXX, XXXX and XXXX. This incomplete, inaccurate and erroneous information is hindering my ability to obtain/extend my credit ; it is also causing me to be denied credit. I have previously disputed this information with the CRA 's and it has come back verified. Upon review of each of my reports, I have determined that you are furnishing different information to each agency. There should be no variations or inaccuracies being furnished. I am requesting the information you are actively furnishing to each of the credit reporting agencies that assisted them with determining that this account has in fact been verified by you. As a furnisher, you are governed by 15 USC 1681 ( s ) ( 2 ) to provide accurate information. I am asking you to permanently cease and desist from reporting the inaccuracies below : XXXX XXXX Dispute 1 : XXXX : Upgrade - Account details section, date opened, high balance, last payment and date last active Dispute 2 : XXXX : - Account details section, date opened, high balance, last payment date and date last active Dispute 3 : XXXX : account details section, date opened, high balance, last payment date and date last active. |
Investigation took too long | I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you. |
Old information reappears or never goes away | XXXX XXXX XXXX XXXX XXXX, I disputed this account twice which resulted in the account being removed both times. As of XXXX XXXX2020 this account now reappears on my Equifax credit report. I never received any notification that this account would be reinserted on my credit file. Why is this company allowed to remove an item then reinsert the same item with new dates. That is a direct violation of the FCRA. Please investigate this. I would like this item removed from my Equifax credit file just as it has been removed from XXXX and XXXX. Thank you, |
Information belongs to someone else | I am writing to delete the following information in my file. The items I need deleted are listed in the report.
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. |
Reporting company used your report improperly | my personal info was impacted from the cybersecurity. |
Their investigation did not fix an error on your report | XXXX, XXXX XXXX XXXX XXXX, and the Credit Reporting Agencies Took out a loan with XXXX for a vehicle in XX/XX/XXXX.
I defaulted on the loan and was late several times. My credit and finances were very poor at the start of the loan, and I struggled to keep up with payments throughout the time I had the car. I called the lender ( Santander ) several times throughout the possession of the car and they allowed me to " defer payments '' to the end of the loan without truly informing me of the future financial detriment that would cause, nor did they simply inform me of the implications of the deferments at all. Ultimately, I was unable to keep up with the extremely high car payments of nearly {$600.00} a month with an astronomical interest rate and was left to come out from work to being without a vehicle after an unwitnessed repossession of my vehicle.
Following the repo, I was sent several letters by XXXX stating the car had been auctioned and that I was still financially responsible for the difference.
In XXXX/XX/XX/XXXX, I was made aware only through various social media platforms that there had been a " COALITION OF 34 STATE ATTORNEYS GENERAL SETTLEMENT WITH XXXX CONSUMER USA '' in which I have always been a resident of one of the states included. In doing thorough research on the settlement, I recognized that I visibly fell within all the criteria to be a recipient of the settlement relief. I resided in a qualifying state at the time of the loan and still do ; my credit score was very subpar upon being approved for the loan ; I fell behind on months of payments during several periods within my possession of the car ; and I had the car repossessed after several years with the loan during a long-term loan agreement with the lender.
The following are the criteria which I meet, but still somehow have not received ANY resolution or relief, per the settlement outline on XXXX XXXX XXXX Consumers may be eligible for the following types of relief : 1. Restitution : XXXX must pay {$65.00} million in restitution to be divided amongst the 33 states and the District of Columbia. Over 265,000 consumers across the settlement states will be eligible for this restitution.
a. Who qualifies? You must have a gotten a loan with XXXX between XX/XX/XXXX and XX/XX/XXXX and XXXX must have given you a certain internal score at the time you got the loan. Consumers will NOT know their own internal score. Additionally, neither states nor the settlement administrator know consumers internal scores. This is why consumers will have to wait for notice from the settlement administrator.
b. How much will restitution be per consumer?
i. The final restitution amount per consumer is not yet known, but the amount will be at least {$220.00} per consumer.
c. When can I expect restitution?
i. We do not yet have a date certain by which eligible consumers can expect a notice from the settlement administrator. Please check this website for updates.
2. Deficiency Waivers : XXXX is required to forgive the remaining balance on certain loans. XXXX will also request that the loans be removed from consumers credit reports. As with restitution, consumers who qualify for this relief will have to have had a certain internal score given to them by XXXX at the time they got their loans. Consumers will NOT know their own internal score. Additionally, neither states nor the settlement administrator know consumers internal scores. Consumers who qualify for this relief will receive notice directly from XXXX, and not the settlement administrator. We will update this website when we know of an anticipated timeline for said notice. At a minimum, to qualify for this relief, you must meet the following : a. You got your loan between XX/XX/XXXX and XX/XX/XXXX ; and b. Your car was repossessed or your account was charged off by XXXX within the first 12 months after you got the loan. Making a late payment or missing payments does not qualify you for a XXXX XXXX ; and c. You had a certain internal score. Consumers will NOT know their own internal score. Additionally, neither states nor the settlement administrator know consumers internal scores.
3. Loan Forgiveness and Car Title : For certain consumers, XXXX sent the consumer title to the car and forgave the balance of the loan. XXXX did this until the value of the total amount of loan forgiveness across the participating states reached {$45.00} XXXX. XXXX will also request that the loans be removed from consumers credit reports. If you qualified for this relief, you should have received notice from XXXX in XX/XX/XXXX.
The consumers who qualified for this relief : a. Defaulted on the loan but the vehicle was not repossessed ; and b. Had a certain internal score. Consumers will NOT know their own internal score. Additionally, neither states nor the settlement administrator know consumers internal scores.
Despite this, I never received a postcard stating I was qualified to be a part of the dispersion of settlement relief. I was hoping to be free financially and mentally from the burden of having been a client of XXXX, and I kept reading on the Settlement website for consumers that postcards had been mailed out in XXXX, and that they may take time to be delivered. I have never received mine. In XX/XX/XXXX through XX/XX/XXXX, I have contacted several entities about my eligibility. I first contacted XXXX XXXX, XXXX the handler of the settlement, several times in XXXX and XX/XX/XXXX to assure myself that I was indeed a recipient of relief and that perhaps they didnt have my correct information to mail me the appropriate postcard of eligibility. I spoke to several people who I gave three possible addresses to that could have been on file at the time my loan was active with XXXX. Several times I called back, thinking the last rep may have misspelled my name or address or created other errors in looking me up. None of them could find my name in their system. They instructed me to reach out to XXXX directly. I then called XXXX, who immediately notified me of my current outstanding debt, and asked how I would like to take care of it. I informed them I would like information on my eligibility in the settlement, and they then said they had no knowledge of that information or who could give it to me. I deferred back to the Attorney General in my state, and spoke with someone at the Attorney Generals Press Department, and then to another gentleman who instructed me to email the AG directly at XXXX XXXX XXXX. ( my state ) .gov, informing them that I am a victim of XXXX and their predatory sales practices. I received a very generic response basically stating the same information given to me by every representative I had spoken to by phone, with no offering of assistance or resolution.
Regarding the information being continually reported on my credit reports, there are SO MANY issues to outline. Please keep this in mind : I was successfully able to dispute the account from XXXX off of my XXXX credit report on XX/XX/XXXX after learning from other consumers how to do so, with no guidance from the agencies actually involved. However, for some reason, the other two major bureaus Equifax and XXXX continually report the account as Verified as Accurate every time I dispute the account as invalid due to the litigation, which is the same factual basis I used to successfully get the account off of my XXXX report. In making several secondary attempts at disputing the account for deletion, I was told on the phone by XXXX that they do not use other bureaus results to remove or verify information, although I have been made aware that credit reporting of an account has to be uniform in order to be considered accurate. In accordance with the FCRA, if an item is reported differently or inaccurately on even one bureau report, the information is considered invalid and must be deleted. These other two major bureaus report differing dates of delinquencies, and contradictory time frames and years of the 30, 60, and 90-day late periods, conflicting the actual dates/years I was late. I have also logged into my still active online account with XXXX, and it shows I have a current payment due as of XX/XX/XXXX, although they report the account charged off as of XXXX. There are monthly scheduled payments being falsely reported on my XXXX report, which I have NEVER agreed to with XXXX ; I have never scheduled payments or amounts to be paid with them. Since XXXX found validity in deleting the account, I submitted copies of the deletion to both other bureaus, expecting them to utilize the evidence to support the deletions on their end, but they will not. All they continue to do is update the account with a statement : Litigation pending despite several attempts at removing it. |
Information belongs to someone else | i was a victum of id theft someone used my information to obtain loans in my name that were not authorized by me i made several attempts to notify the company with police reports and id theft affidavites. loans were opened on XX/XX/XXXX for {$3400.00}, {$3500.00}, XX/XX/XXXX for {$1900.00}, XX/XX/XXXX for {$2100.00} |
Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # 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 |
Information belongs to someone else | I sent a letter on XX/XX/2022 to remove accounts account that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; & XXXX. I am including these again.
XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$830.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$180.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$710.00}. |
Account information incorrect | I received a letter from SageStream. Who are they? Why are they contacting me and giving me a low credit score. Much lower than the three main credit reporting agencies. How are they able to do this and companies will use this score to deny credit or charge extra fees. I do not think that this is correct, and I feel that they exist to make money off of giving out this low balled credit scores. Where did they come from and how are they operating. I have never heard about them unti my husband and I have worked to get our credit score up way over 700 with the other credible reporting company. They then appear with this mess. |
Their investigation did not fix an error on your report | I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to correct theses suspicious information. 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. This was already included in my prior complaint, and I'm including it again.
XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$120.00} ; XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} |
Information belongs to someone else | Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft. |
Credit inquiries on your report that you don't recognize | I AM A NATURAL PERSON. I HAVE TIGHTS UNDER 15 USC 1681. MY CIVIL RIGHTS WRE VIOLATED NUMEROUS TIMES AND I AM REQUSTING/ DEMANDING THESE INQUIRY ACCOUNTS/ COLLECTIONS BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, THESE ARE NOT MY ACVOUNTS, WHICH LOWERED MY CREDIT SCORE, HIGHER INTEREST RATES, PLEASE REMOVE THESE INQUIRIES/COLLECTIONS |
Their investigation did not fix an error on your report | On XX/XX/2019, I learned from a credit monitoring service that someone opened more than one fraudlent account, the most germane for this complaint was XXXX XXXX XXXX ( " XXXX XXXX '' ).
I contacted XXXX XXXX by phone, and notified them of the fraud. On XX/XX/2019, XXXX XXXX sent me a letter asking to speak with me me about the fraudulent credit card opened in my name. I received another letter dated the same date notifying me they coundl not find any record of the inquiry.
However, the hard inquiry remained on my credit with the 3 main credit reporting bureaus. I again contacted XXXX XXXX and reminded them that the account and the hard inquiry was a result of fraud, and requested they look into it. XXXX XXXX DID find the inquiry, and sent notices to the 3 main credit reporting bureaus asking them to remove the inquiry.
XXXX XXXX did follow up, and all but EQUIFAX removed the hard inquiries.
I attempted to deal with EQUIFAX on numerous occasions, speaking with heavily accented foreigners who told me that the fraudulent inquiries were a " scar '' and can not be removed. at the same time, certain other calls resulted in claims they would remove the inquiry AS OF THIS DATE, EQUIFAX HAS NOT.
I have submitted repeated efforts at filing disputes with NO ABILITY to attach the documents I have attached here. EQUIFAX also tells me to get XXXX XXXX to request the inquiry be removed. XXXX XXXX has done that, and notified me that they can not get EQUIFAX to comply.
AS A RESULT I HAVE PLACED A FREEZE ON MY CREDIT, WHICH MAKES DIFFICULT FOR ME TO BEGIN TO REPAIR THE DAMAGE |
Account information incorrect | Debt was sold to XXXX XXXX services and account was settled and closed on XX/XX/2022. |
Information is not mine | I have an account that was charged to my credit report, XXXX XXXX XXXX. Someone took out a payday loan using a bank account that was closed in XXXX with my information. They took the loan using this information out in XXXX. Again the bank acct was closed in XXXX. I want this resolved and closed and off of my name as well as my credit back up to where it should have been without this negative on my account for the past years. |
Information belongs to someone else | It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these files : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. |
Their investigation did not fix an error on your report | Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon. |
Information belongs to someone else | XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$23000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. ELAN CACS CC, XXXX # XXXX, Amount {$8400.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. ELAN CACS CC, AC # XXXX, DO : XX/XX/XXXX, Amount {$19000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$14000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$23000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. |
Report improperly shared by CRC | Credit Plus continues to do hard inquiries on my Credit Reports without my authorization. I have a true identity alert on all XXXX credit reports and any credit checks are required to be authenticated per the FCRA. To date Credit plus has done several hard inquiries without calling the number on my credit reports to ensure these are legitimate credit inquiries. Credit Plus did a hard inquiry on XXXX XXXX, 2015 and then again on XXXX XXXX XXXX, 2015 without calling me as required by FCRA law and without my authorization. Please see hard inquiries below.
XXXX Unauthorized Credit Hard Inquiries by Credit Plus1. CREDIT PLUS XX/XX/2015XXXX, a change to your XXXX credit report has been detected which may LOWER your credit score : a new inquiry listing CREDIT PLUS was placed on your credit report on XXXX/XXXX/2015.
2. CREDIT PLUS XX/XX/2015XXXX, a change to your XXXX credit report has been detected which may LOWER your credit score : a new inquiry listing CREDIT PLUS was placed on your credit report on XXXX/XXXX/2015.
FCRA Law605A. Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ] ii ) Verification. If a consumer requesting the alert has specified a telephonenumber to be used for identity verification purposes, before authorizingany new credit plan or extension described in clause ( i ) in the name ofsuch consumer, a user of such consumer report shall contact the consumerusing that telephone number or take reasonable steps to verify the consumer 's identity and confirm that the application for a new credit plan is not the result of identity theft |
Reporting company used your report improperly | I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B |
Their investigation did not fix an error on your report | Equifax and XXXX are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX/XXXX partial account number XXXX. ( Please see page 16 of the attached credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however, Equifax and XXXX have not removed this from my credit report. This incorrect reporting is harming my credit score and this line item needs to be removed. I have contacted the two bureaus to fix this issue but I have not been successful. |
Reporting company used your report improperly | Equifax mishandled my private information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website. The breach happened in XXXX and Equifax did not notify anyone quickly enough. In addition, they admit that they will not notify everyone which is morally wrong to all affected persons. |
Funds not handled or disbursed as instructed | I shopped with Afterpay ( pay in 4, no interest ), for quite a few orders, mostly in XXXX and XXXX this year. They pay the full order total to the merchant, XXXX, for example, and I pay Afterpay 1/4 every 2 weeks. I used the service many times, and almost always paid afterpay the whole balance way before it was due. So, I returned quite a few items to the merchants directly, packaged, took to XXXX to mail, etc. When the merchants refund the money, it goes to afterpay, who has an incredibly confusing way of refunding, if you haven't paid it all yet, then afterpay is supposed to deposit into my cash app. Since my orders were paid in full, it should've been the whole refund amounts, no formula needed. I recently realized, they are not actually putting money in my account, just pretending to. ( I'll include lots of proof ). I even kept a XXXX balance on Cash app, just to be certain, and sure enough, 2 different " refunds '' were put in my cash app, and my balance was still XXXX. I even have emails from afterpay, saying the refund process is failing, and they want all my banking information to try again. Only after weeks of CASHAPP and afterpay " support '', me proving at least a dozen times what was happening, did I finally receive the two smallest refunds. I am starting to think cashapp and afterpay are perhaps in on it together, because it's pretty obvious the refunds are bogus, and cashapp support constantly responds with some random answer that literally has nothing to do with my issues. I'll send screenshots, but even the afterpay " refunds '' don't look like refunds. Any refund I've gotten when I didn't use afterpay, has a +in front of refund, but afterpay either crosses out the amount, or just puts the word " refund '' but does not add money. I'll attach lots of proof. |
Credit inquiries on your report that you don't recognize | RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made.
I contacted XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile.
I request that you initiate an investigation into XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above.
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Thank you for your assistance in this matter, |
Company closed your account | On XX/XX/2018, it was noticed my US Bank Checkings account was closed - It was noticed because our debit cards were declining, so we checked the app and online and the checking account was gone. No notice, no calls, no warning. It was positive ~ {$1800.00} and had no NSFs, no bounced checks, nothing. Banks are not telling us anything nor are they refunding the money. They completely erased 100 % of the statements and records. |
Account status | My credit report have 7 years old accounts still showing and student loans and creditors that included in bankruptcy still listed individual double my credit ratio making my score low. The accounts listed in bankruptcy should be listed still on report but they removed bankruptcy XXXX. The bankruptcy and all creditors still showing from XXXX to XXXX. My student loans debt double they charging putting extra money to pay back on the balance of XXXX bankruptcy that was paid in chapter XXXX. I asked for a copy of the original balance bill with my signature on it that on my report no answer in for inquiries. Equifax has replied lowered my score more. Why third -partiy are listed with same amount with the original creditor it not fair XXXX XXXX and their XXXX party XXXX XXXX XXXX {$580.00}. |
Old information reappears or never goes away | On XXXX I contacted Equifax XXXX and XXXX in regards to incorrect information being on my Credit Reports as a result of Identity Theft and Fraud. I submitted the Police Report, The FTC Identity Theft Report along with copies of my State Issued ID Social Security Cards and Utility Bills showing proof of residency. On XXXX I received updates from XXXX, XXXX, and Equifax in regards to the accounts showing that they had been removed from my file. I also received a letter from the Creditor stating that the Fraudulent Accounts would be removed. On XXXX I received results from XXXX stating that the account was REMOVED. Moving forward into XX/XX/2022 a Employer Credit Check was pulled, and the account is back listed on my report as well as listed on Equifax, and XXXX and it was perviously REMOVED. How was this account reinserted back onto my credit file without my acknowledgement when the account was REMOVED at the Creditors Request as Fraud. I have since tried to contact XXXX, Equifax, and XXXX back in regards to the issues I'm having, but I have not been successful. Each Credit Bureau is neglecting to remove the accounts from my Credit File even after receiving the proper proof that the account was Fraudulently opened Bank XXXX XXXX XXXX XXXX. I have attached proof of my previous dispute results. |
Trouble with how payments are being handled | This is for XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I paid off all of my loans in full in late 2015. Suddenly they are showing a {$0.00} balance on my account and have restarted my autodebit payments, and were about to debit for the full amount ( {$480.00} ). I had a long, very tense call with them where I was mostly on hold and they gave me a LOT of conflicting information. All they've done for now is suspend the one autopayment, but I'll need to do it again and meanwhile their system is still showing a tiny balance which they haven't corrected. I'm afraid this is going to balloon into a much bigger problem and I'm also worried about what other clerical errors they've made with my account and others. |
Debt is not mine | This debt keeps appearing on my report after numerous attempts for proof of account, balance. I received a letter back in XXXX 2016 that it would be removed from my account and it was for few weeks then I assume bought from another debt buyer and its back on my account with another debt company. I do not have any idea of a debt owed to XXXX XXXX nor have a received a detailed bill of this debt and what the charges are for as I am required this information by law. I have sent multiple requests for months now for removal of this account with all XXXX credit bureaus and still no response from new debt collector. The first collector was XXXX XXXX and now the second collector is AFNI and I want this removed from my account due to over 30 days requested information never received, sent certified numerous times and no detailed bill received. Please help me in this situation and I am forwarding information I have pertaining to this ongoing battle with a debt I know nothing about nor have I been sent information, 30 day request for detailed information per law passed. This is unlaw practices of the fair credit law under consumer law. These debt collectors keep buying and selling this account with no required information of detailed bill as requested on numerous times, well past 30 days required by law and the credit bureau continues to allow this to happen as I have sent all XXXX of them I want documentation of this debt and 30 day period and all they send back is " it remains '', no investigation, no contacts, nothing and certainly not following consumer credit laws.
Please see attached information. Thank you. |
Investigation took more than 30 days | Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint. |
Information belongs to someone else | Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts. |
Debt is not mine | I went the West Asset Management/XXXX because of I work inquiry and was put in the hosiptal. I told them at that time my job workmen compensation was going to pay for it ; however the sent this to collection and now will not removed it even now that it is paid in full. |
Their investigation did not fix an error on your report | XXXX was negligent in their credit reporting and caused irreparable harm to our credit rating with in their incorrect credit reporting. On XX/XX/2021 they reported that I was 30 days late on my mortgage. This resulted in my credit report to plummeting by XXXX points to an unfavorable rating. We did a payoff on our mortgage on XX/XX/2021 and requested a payoff quote on XX/XX/2021 from the lender. The lender reported it as paid in full on XX/XX/2021. I spoke to the lender and the lender confirmed that it was paid in full. We closed on the sell of our house and the closing attorney paid off the loan balance. XXXX needs to act immediately and remove the negative mark on my credit file and my husbands. |
Company closed your account | On XX/XX/21 I opened a savings account with VIO Bank at 0.66 % APR. After I transferred {$350.00} from my XXXX XXXX XXXX Checking account I received a notice from VIO Bank that they were closing my account for " Business Reasons. '' Since then I have been unable to access my money and I was told that I won't get my money retuned until ~XXXX. Additionally, VIO Bank said my money will not earn any interest.
Is this legal ( they are holding my money interest free for over a month )?
Please advise as to my alternatives.
Ref : VIO Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX |
Information belongs to someone else | My credit was affected tremendously because of identity theft. Someone opened XXXX money market accounts with XXXX by using my SSN. The same person filed for unemployment and almost made me lose my job. I contacted the IRS and still have yet to receive any information about fixing my credit. Because of those fraud errors, it has affected my way of living tremendously. I would love for it to be removed off my report. If someone could help me with that it would be awesome. There has also been credit cards in my name. |
Their investigation did not fix an error on your report | Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong. |
Can't get flexible payment options | My loan is currently handled by American Education Services ( AES ). Dealing with them has been pretty hard and cumbersome to experience. They are lax in their workability and are reporting student loans as being in default rather than remaining in contact with its customers ( myself ). I have experienced loss of credit rating and now they wo n't return calls or emails. |
Credit denial | On XXXX XXXX, XXXX, I went to XXXX XXXX XXXX in XXXX, NC to trade my vehicle in for a used SUV. My credit was pulled, and the score was what I believe to be good ( XXXX ). I received letters from 2 different banks today denying me credit for reasons listed that are not true for me, including 'repossession, lien, judgement, delinquent accounts ', etc. NONE OF THIS IS TRUE. I have never had a vehicle that was repossessed, never had a lein put on me, and none of my accounts are delinquent. I 'm very confused and worried about what might be going on, including someone stealing my identity. Please help. Thank you. |
Account status incorrect | My XXXX loan account is NOT showing current but it is current |
Account information incorrect | There are many mistakes appear in my report without my understanding. |
Information belongs to someone else | They are reporting incorrect information on the credit report. They are reporting a collection account in the amount of {$220.00} is being reported by XXXX XXXXXXXX , XXXX. This is not my account and needs to be removed from my credit report immediately. |
Was not notified of investigation status or results | I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal. |
Banking errors | " You stated that the account should be in your name being that the account is under the social security number of your child. You stated that the Bank has accepted the transfer and allowed this person to steal your money without checking the validity of the name of information from the party whose account it is. You are requesting that the funds be returned, the account changed, and transfer your funds to a more responsible institution. '' First and foremost, in a previous complaint submitted Bank of the West stated that I am not the account holder for an account that has my childs ssn on it which could perhaps in question. This account was more than likely transferred from an account that has my childs ssn on it at XXXX. YOU ARE REQUIRED TO VERIFY WHERE FUNDS CAME FROM UPON ENTERING YOUR INSTITUTION. I did not sign anything to have my account transferred to someone else where the ssn or tax id is different. If you take privacy and security seriously, this would of been investigated by your institution. I am the ONLY guardian of my child and if the account is opened using my childs ssn, it is FRAUD. Any bank would know that if I clearly called them to state MY INQUIRY. if you pulled my childs ssn up and an account pulls up, that means it is in fact my account regardless whose name is listed. I submitted a police report. Your conpany clearly doesnt know your role in verifying where funds came from and whose account it came from. The funds came from an account owned by me with my childs ssn on it amd was transferred to another institution to a person I have no clue who they are. How is that not fraud. Did this person show proof that the ssn used is his or a childs. Tax id numbers are supposed to be verified when used. Clearly you did not verify it! Failure to follow regulations. I want the account associated with my childs ssn found. SEC has been notified of your fraudulent acts and inability to research my issue. |
Investigation took more than 30 days | I SUBMITTED DISPUTES AND DOCUMENTS REGARDING INFORMATION THAT SHOULD NOT BE REPORTING ON MY CREDIT REPORT AND BY LAW THESE ACCOUNTS SHOULD BE REMOVED IMMEDIATELY. I AM IN THE PROCESS OF PURCHASING A HOME AND GETTING A XXXX LOAN BUT THE ACCOUNTS ARE HOLDING ME BACK. THIS IS DEFLAMATION OF CHARACTER AND FRAUD. |
Was not notified of investigation status or results | On XX/XX/2021 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. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person. |
Investigation took more than 30 days | I reviewed a copy of my current credit report and show a complete or inaccurate information listed. The creditor XXXX XXXX Account # : XXXX Credit reporting history is listing inaccurate late payment for this account on ( XX/XX/2020 and XX/XX/2020. I have not only paid this account in full but I have never missed a payment to this account. Please update to show credit report that account payment history was never late and remove late payments to account. Also I attempted on a number of occasions to reach out to have late payments deleted. |
Information belongs to someone else | THE ACCONTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY CARD AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFTI am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law. |
Investigation took more than 30 days | According to my consumer report I received dated XX/XX/2022 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX XXXX such authority. |
Reporting company used your report improperly | XXXXXXXX XXXX XXXXXXXX account XXXX In accordance with the Fair Credit Reporting act 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.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 |
Didn't receive terms that were advertised | i opened a brokerage account with Citi. I was told by XXXX XXXX ( XXXX ) that I would get {$100.00} sign-up bonus by opening a brokeage account by XX/XX/XXXX and transferred $ XXXX assets within 2 months. The sign-up bonus would be credited to me by XX/XX/XXXX.
I applied the account with XXXX XXXX ( XXXX ) on XX/XX/XXXX and submitted request to XXXX on XX/XX/XXXX. $ XXXX assets was successfully transferred on XX/XX/XXXX.
I confirmed that {$100.00} bonus with XXXX. So far, I have n't seen the bonus yet. I emailed XXXX a few times regarding to this. He said he was working on it, and I should see the credit soon. It 's a year now. and I still have n't seen the sign-up bonus. |
Credit inquiries on your report that you don't recognize | In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISCOVER FINANCIAL SERVICE XXXX XXXX XXXX XXXX XXXX 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 can not furnish a account without my written instructions. |
Credit inquiries on your report that you don't recognize | This isn't credited I signed for or approved an inquiry on. |
Credit inquiries on your report that you don't recognize | EQUIFAX listed three fraudulent hard inquiries which they are unwilling to remove ( even with proof ) and that the other credit agencies do not report. Fraud inquiries on EQUIFAX report are : XXXXXXXX XXXX, XX/XX/XXXX ; XXXX XXXX, XX/XX/XXXX ; XXXX XXXX/XXXX, XX/XX/XXXX. I received documentation from XXXX and XXXX that these were fraud attempts to open credit ( I do not recognize nor authorized ) and no accounts were opened. I submitted documentation to EQUIFAX and their investigation simply states " these inquiries are factual ''. Today ( XX/XX/XXXX ) I received an alert for another hard inquiry on EQUIFAX from XXXX XXXX/XXXX for a fraud attempt ( confirmed with XXXX, agent # XXXX in XXXXXXXX XXXX Fraud Dept ). This is another fraud attempt and EQUIFAX is unwilling to remove these incorrect/fraud hard inquiries from my report. My credit score is suffering with EQUIFAX. I will be making a major financial purchase soon and their unwillingness to remove the hard inquiries on my file will cost me a higher interest rate ( EQUIFAX MUST FIX THIS IMMEDIATELY - PLEASE HELP ). |
Information belongs to someone else | This is my six 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 an 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 XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$7700.00} XXXX XXXX XXXX Balance : {$0.00} |
Information belongs to someone else | I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you! |
Debt is not yours | PNC Bank, with whom I have never opened an account with, is attempting to collect money from me |
Information belongs to someone else | Hello, I sent EQUIFAX certified letters on XX/XX/2018, XX/XX/2018 and they report back verified and there is no way they could because the collection agency doesn't even respond back to me I have tried to resolve this issue with CREDIT BUREAU SERVICES & EQUIFAX in regards to an apartment that was obtained due to identity theft. I have disputed this account directly with this company. I have sent them my identity theft affidavit and police report but they continue to report and the last two dispute letters I sent them, they have failed to respond. The first letter certified letter was sent to them in XX/XX/2018 with a tracking number of ( XXXX ) and after they didn't respond so I sent them a follow up letter in XX/XX/2018 with the tracking number of ( XXXX ). They sent me a screen shot of a contract that had a signature but I never signed that. I has been well over 30 days and i just want monetary damages and the account to be deleted immediately. Being that the disputed was not responded to well over 30 days I would like this account to be deleted from all 3 CRA 's. |
Debt is not yours | This debt was already investigated by all 3 credit reporting agencies and deleted |
Reporting company used your report improperly | I didnt authorize these car dealerships to put all these hard inquires on my credit report! The hard inquires are as listed.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX |
Information is missing that should be on the report | After analyzing my credit report, I am quite dissatisfied with the errors I discovered. These statements are unverifiable, invalidated, erroneous, and suspect. |
Information belongs to someone else | I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.
AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED. |
Was not notified of investigation status or results | To Whom this may concern : Not an entity today exists that can certifiably ignore its mandated obligations to report compliantly and to 100 % truth, correctness, completeness, timeliness, and documented irrefutable proof of ownership and responsibility of any allegations of adverse aspects to an account or of a derogatory account in and of itself.Per the metro 2 data formatted standards of legal reporting of consumer accounts and profile history and per the Fair Credit reporting act, namely section 609 a1A, it is in CLARITY that you are MANDATED to retain COMPLIANCE at all times, particularly upon notification by an infringed consumer that you are deficient of your requisites toreport adequately and a challenge ( or dispute ) is lodged versus any data iformation previously NOT proven PHYSICALLY to be affirmed valid or is UNABLE to be demonstrated as true, accurate, complete, timely, and otherwise fully compliant to laws upon a documented declaration of concern by the consumer.I demand, as is MY RIGHTS to do so and as is your REQUIREMENT to satisfy, for you to ANNUL by deletion or removal any and all allegations DEFICIENT of PHYSICAL EVIDENCE OF COMPLIANCE to reporting laws much less verified and valid.If you are unwilling or UNABLE to do so in a federally defined TIMELY manner you MUST rectify your infractions by RETURNING TO or retaining federal reporting COMPLIANCE TODAY, even RIGHT NOW.As such, I DEMAND that you CERTIFICATE the verification and validity of the following claims or DELETE NOW : I request you delete these erroneous accounts in an effort to maintain an accurate credit file and reflect my creditworthiness. Your willful and negligent non-compliance reached outrageous proportions a long time ago. This notice is to inform you that legal action is now imminent pursuant to FCRA 616 ( Civil liability for willful noncompliance ) promulgated at 15 U.S.C. 1681n.
By the provisions of the Fair Credit Reporting Act, I request that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report.
617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. Please delete these inquiries or I will commence legal action.
609. Disclosures to consumers [ 15 U.S.C. 1681g ] 1 ) Summary of rights. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section ( A ) a written summary of all of the rights that the consumer has under this title ; and ( B ) in the case of a consumer reporting agency that compiles and maintains files on consumers on a nationwide basis, a toll-free telephone number established by the agency, at which personnel are accessible to consumers during normal business hours.
( 2 ) Specific items required to be included. The summary of rights required under paragraph ( 1 ) shall include ( A ) a brief description of this title and all rights of consumers under this title ; ( B ) an explanation of how the consumer may exercise the rights of the consumer under this title ; ( C ) a list of all Federal agencies responsible for enforcing any provision of this title and the address and any appropriate phone number of each such agency, in a form that will assist the consumer in selecting the appropriate agency ; ( D ) a statement that the consumer may have additional rights under State law and that the consumer may wish to contact a State or local consumer protection agency or a State attorney general to learn of those rights.
Failure to respond within 30 days of receipt of this letter will result in small claims legal actions against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to provide documentation that these are in fact my accounts and that you legally did your job as the credit bureau and did a complete investigation.
XXXX XXXX XXXX XXXX I do not have a financial obligation with you ; please delete this reference on all credit reports XXXX XXXX XXXX XXXX If inaccurate, incomplete, or unverified, I demand deletion.
XXXX XXXX This account is not mine XXXX XXXX This account was reported to collection in error and should not be showing up on my report XXXX XXXX XXXX This account was reported to collection in error and should not be showing up on my report XXXX XXXX XXXX XXXX If inaccurate, incomplete, or unverified, I demand deletion.
XXXX XXXX XXXX If inaccurate, incomplete, or unverified, I demand deletion.
Respectfully Yours, P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online press release, including documentation of any potential small claims action.
XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX, TEXAS XXXX XX/XX/XXXX |
Account status incorrect | Equifax ; XXXX and XXXX should not be reporting that I am ( 120 ) days late on the DEPTED/XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful. |
Account status incorrect | XX/XX/XXXX Regarding : Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing a letter about my experience with XXXX that is a mixture of a grateful " thank-you '' and a pressing request concerning a XXXX Charge Card tradeline in my credit files that I would like to have revised.
I received the XXXX card in XXXX, several years before I experienced the death of my late mother to stage XXXX XXXX XXXX. Later when I experienced the death of my mother, I became disorganized with respect to making timely payments with XXXX as it was a very hard time for me in my life where everything just stopped I lost who I was where I had to even get checked into a XXXX XXXX XXXX XXXX XXXX XXXX. I fully recognize my responsibility with respect to payable accounts and have worked diligently to rehabilitate my relationship with XXXX that time.
To be honest, that year was a " wake-up '' call for me regarding fiscal organization. Since then I believe I have learned the essential organizational and financial management principles I desperately needed at that point. Thankfully, responsible credit management is now reflected in my credit records which -- excluding the XXXX card late entry -- are excellent. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, XXXX that I am determined to keep spotless.
We are about to shop for a mortgage, and it has come to my attention that the late notations from XXXX XXXX preclude me from taking full advantage of the very lowest interest rates now available. Since those notations do not reflect my current status with XXXX, I am requesting that you give me a second chance at a positive credit rating by revising those tradelines. Your customer service representative suggested that I write you for a " goodwill adjustment. '' I sincerely hope that there is redemption at XXXX, and I beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome, and I thank you again for the time you have spent reading this letter.
Very hopefully yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX |
Public record information inaccurate | On XX/XX/21, XX/XX/21 and XX/XX/21 and XX/XX/21, I requested that XXXX provide my with the name and information of the reporting agency who provided them with a verification for a bankruptcy that they have listed on my XXXX credit report. All 4 times XXXX responded that LexisNexis Solutions provided them with such information. I then ask LexisNexis whether they provided XXXX with a method of verification and LexisNexis does not have any record of a bankruptcy on my report. I then requested that XXXX removed the inaccurate bankruptcy on my report and XXXX refuses to do so. Per the Fair Credit Reporting Act XXXX has to remove any inaccurate information and must be able to provide me with the information of me having a bankruptcy on my report. I would like an investigation to LexisNexis and XXXX and request that LexisNexis dispute that they verified a bankruptcy to XXXX. |
Fee problem | Hi, 1.The US bank is recently stealing money of consumer through different ways. They have charged me many times, and sometime by disputing they fix the error, but most of the time they don't. On XX/XX/2018 they charged me overdue fee amount of {$36.00} without any reason. I called them more than 100 times to their customer services to solve the problem. Their customer services behave badly with clients, and they play a football game by transferring you to different departments. The loop goes for ever. Each time I call them they transfer me to each other for hours, until I stop the call. That is their strategy to steal people money and make them not call them back. I have been calling them each other day to solve my issue they told me it will take 10 business day, and it took more than 6 months. Last time when i call them to fix the issue they told me it is old case we dont keep data from 6 months. I told them that how it come a bank dont keep data of client when the client is disputing about that case. I told them if you dont have the prove I have it because i have the print version of my statement. They cut the call. So now I am confuse what to do?
2. For the second case even though I opened case just couple days ago, but I will relate this with the above case because there is something going wrong with the banking system, I hope the CFPB and any other response government agency take the case more seriously because I fear they are doing the same thing with many clients. On Saturday XX/XX/2018, I was depositing {$600.00} cash into my checking account via US bank ATM machine.As I was traveling, and I needed the money badly to pay for gas, and other bills. However the machine gave me an error and printed out XXXX $ is deposited which doesn't make any sense. I called the bank several times, and I was getting different responses from the customer services. Some of them told me that you have to wait two months, and some told me 45 business day. While others told me within 10 business day. After 10 business day I asked what happens to my money, they told me when don't know how long it will take. As I want the CFPB to publish my description on consumerfinance.gov so I urge us bank client be aware of the ongoing fraud in US bank, and be careful check your accounts daily. Avoid your selves before you become victim like me. thanks |
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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters. |
Attempted to collect wrong amount | on XX/XX/XXXX my check had begun being garnished by Vero 's credit. I reached out to this company multiple times for the lack of the accurate reporting on my credit report when the balance I have for this company is only {$880.00}, the company has informed me over the phone that the debt will continue to grow interest but going back to my paystubs no interest had been added until my last check dated XX/XX/XXXX. Further more, the company claims that I owe them still {$1000.00} which is inaccurate. The company list this account as a collection but the IRS defines collections as taxable income. therefore, this information shall not be furnished on my account. due to inaccurate reporting and trying to add fees not included in the paperwork this should be deleted from my consumer report. IMMEDIATELY |
Account status incorrect | I currently have an open complaint with your company against this bank, # XXXX. They have again changed information on how much I owe and submitted an time extension to you to resolve this problem. I am unable to pay this company without knowing how much I owe and whether this account is paid off. They have reported my account delinquent on my credit, causing my credit score to decrease 24 points. They reported twice within 2 days of each other that I was delinquent. However, The bank website shows {$0.00} past due amount and {$0.00} payment due. Copies of all these documents are attached. I have attempted to contact them and again was told that they agent could not change anything about credit reporting. I am now asking that they immediately make this correction on my credit report before it causes hardship to my finances. |
Information belongs to someone else | I called telling them that its information on my credit report that didnt belong to me start with my DOB its still not changed. The inquiries are still on my credit report, accounts thats paid are on my credit report. I have accounts I didnt open thats in collections on my credit report. |
Can't get flexible payment options | The College ( XXXX in XXXX, Ca ) that I was currently enrolled abruptly shutdown. I was XXXX weeks away from graduation. I am no longer choosing to continue with my education since I would have to take even more classes. I also did not get a well paying job out of it, even though I was told numerous times I would. |
Was not notified of investigation status or results | Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Verify This invalidated account Account XXXX : XXXX Please remove it from my credit report.
XXXX. Verify This invalidated account Account XXXX : XXXX Please remove it from my credit report. |
Their investigation did not fix an error on your report | On Thursday XX/XX/XXXX and again on Wednesday XX/XX/XXXX I mailed XXXX letters through certified mail with return slips to XXXX, Equifax, and XXXX regarding several discrepancies I found on my credit reports. In the first round of letters, I asked them to fully validate the reported information and remove anything that they could not provide signed, original contracts for in correlation to the accounts in question within 30 days. No method of verification was revealed nor were any original contracts with my 'wet ' signature provided as proof of validation.
In the second round of letters, I reiterated my requests made in the first letters and asked them to please DELETE anything that could not be fully verified and to include original signed contracts as well as a copy of my updated credit report.
As of today, Sunday XX/XX/XXXX, these accounts still remain and have not been fully verified.
I have reason to believe that multiple creditors are conducting illegal actions against me including reporting the same account more than once, reporting old debts as new, and reporting charge-offs before the 120-day delinquent mark. |
Reporting company used your report improperly | The Equifax credit reporting organization has allowed unknown persons access to my personal information that could be used to effectively destroy my life. They 've allowed access to my Social Security Number and much of my personally identifiable information that could be used to open fraudulent credit cards and bank loans that could destroy my credit ( also managed by Equifax ) which would make it impossible in the future to apply for loans that I would need such as for a newer vehicle. This is not even a service I want from Equifax but they have been given my information and have effectively distributed it. They 've potentially stolen and sold my identity ; a crime. Now I have to look over my shoulder every day to hopefully protect myself from invisible pickpockets and thieves. |
Indicated you were committing crime by not paying debt | I have recived harassing phone calls about debt to an apartment complex that I have paper work for stating I do not owe an money. They call my phone all day harassing me and even at work threatening to take me to jail. I have sent in proof that I do not owe this money and they still call and refuse to take it off my credit. Hunter and warfield is the creditor |
Problem getting report or credit score | Whenever I try to get my credit score report from online I get the message " We 're sorry, for your protection we are unable to deliver your Free Annual Credit Report online. '' I need my credit score report urgently. |
Account information incorrect | Over the past 6 months I have paid my mortgage early or on time and each month XXXX XXXX XXXX representatives have misapplied my payment to principal only. They than assess a late fee which I follow up with an on line chat or a phone call. Each month they have corrected the problem and reversed the late fee.
Each month when I have communicated with them I have asked if there is something wrong with the remittance from my bank and have been told, " Not that they can see. '' When XXXX 's payment was misapplied I called and the person I spoke to told me that their system just did that sometimes. He suggested that I set up an auto-pay. I explained to him that since XXXX could not manage a simple payment application process correctly I was not inclined to open up my bank account to them and asked him to try to find a solution for them to receive and process my bank check properly.
This past month they did neither and they also sent late pay information to credit agencies for myself and the joint owner. I paid the mortgage on XX/XX/18. It is visible in the on line history of my account. They again applied it to principal only. I sent a chat to have them fix it as I have done for many months on XXXX. I was less polite then normal and in response they have continued to charge me a late fee and have apparently sent incorrect information to the credit agencies about our on time payments.
I have attached the records that are available to me on line so you can see the payment from the XX/XX/XXXX and the re-allocations before that to correct the same issue over and over again. I have also attached the record of my communications with them. Again over and over again.
I have since them a registered letter and I am contacting your agency to see if there is anything you can do to help me resolve this issue.
Thank you, |
Debt was paid | I was erroneously reported to all three major credit Bureaus by XXXX for a professional fee I paid for {$220.00} on XX/XX/2015. I have the cancelled check. This check cleared the bank on XX/XX/2015. I received no notice of this referral to a collection agency and discovered this gross, negligent error after I was denied for a refinance on our home. To add insult to injury, I am now receiving menacing, harassing phone calls from collection agency Grant & Weber XXXX ext XXXX. I would like financial compensation for {$1000.00} for each agency to which info was reported and the reports corrected and verification that corrections were made sent to me in writing. and the account I was treated at XXXX in the XXXX The telephone number of the billing service who did this is XXXX
Thank you in advance for your time and consideration. |
Debt was result of identity theft | after viewing my credit report in XXX 2017 i noticed their were a few items on my file in which i did not apply for nor authorized. i reached out to the companies as well as the credit bureau to dispute them. i obtained a police report and sent to the collection agencies as well as a dispute letter asking for verification bearing my signature. they did not send the verification but in XX/XX/XXXX sent a bill and a letter asking me to send in 2 utility bills and my identification. this is strange to me considering the fact that i sent them a dispute asking for verification in XXX 2017. It has now been well over 30 days and i have not received the verification and the incorrect information is still on my file. This is totally against the law and against FCRA rules. I also reached out to XXXX whom is the original creditors but there was no resolution |
Credit inquiries on your report that you don't recognize | These inquiries were fraudulently added too my consumer reports on XXXX AND EQUIFAX after I called and repeated times I said multiple documentations via FTC and CFPB complaints. I still have not had this situation resolved. Here are the inquiries that are on my consumer reported fraudulently on XXXX AND EQUIFAX listed below. XXXX Inquiry : XXXX XXXX, XXXX XXXX ( XXXX ) XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX and these are the inquiries that exist on my Equifax consumer reported at the present of me filing this complaint. XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : 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 given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account.
I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.
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 given reporting agency can not furnish an account without my written instruction.
15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation.
A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. 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 given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX RE : XXXX I XXXX XXXX XXXX never gave ( Equifax, XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute.
You also do not have any permissible purpose to furnish my personal information to any third party.
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
As a consumer, I am demanding a deletion of the following accounts. I Sent my letter off on SEPTEMBER 1, 2022I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking #.
According to the FRCA 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 my account 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 FRCA 15 USC 1681 everything has to be 100 % Accurate. To Whom It May Concern : Be advised this is an identification theft notice 1 am requesting fraudulent accounts on my consumer report removed under Federal law, and I have sent this notification to all of the creditors and consumer reporting agencies and have sent multiple documents supporting my claims Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to the fore said items that you are reporting to my consumer reports at this time I will also inform you that if your offices have or continue to report invalidated information this includes ( Equifax, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. 15 U.S. Code $ 1681c-2 - Block of information resulting from identity theft Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company vou represent. I will not hesitate in bringing legal action against you for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 15 U.S. Code 1681n Civil liability for willful noncompliance I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices can provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all reporting activity must cease and desist. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent authority, Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This is violation 15 USC S 1681b Permissible purpose of consumer reports ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
As a consumer, I am demanding a deletion of the following account 's This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your agency fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that your records are in order before I am forced to take legal action |
Public record | There are XXXX auto loans being negatively reported on my credit report that has both been paid off in full. The creditors XXXX XXXX has sent me a paid in full letter that I have since forwarded to XXXX. Credit report has not been updated. Submitted several documents within the past few months and issues has not be resolved. |
Reporting company used your report improperly | My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. |
Was not notified of investigation status or results | I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes.
Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.
I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. |
Information belongs to someone else | This is my 5th 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 an alleged fraud or extortion.
XXXX XXXX XXXX Balance : {$25.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX |
Credit inquiries on your report that you don't recognize | XXXX XXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 DISPUTED BY XXXX XXXX XXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXX XXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXX The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these hard inquiries. And when you challenge these inquiries, it's called opening a dispute. The company pulling your credit must provide documented proof, for example a document with your signature on it, that you authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then XXXX, XXXX, and Equifax must remove these inquiries from your credit report. PLEASE PROVIDE MY SIGNATURE ON THESE INQUIRIES |