To Whom  It May Co ncern : I  XXXX   XXXX   am filing  this disputed complaint against multiple affiliated entities such as  XXXX   XXXX   XXXX , and  C/O  :  XXXX   XXXX   XXXX , and  HSBC Bank/ XX/XX/XXXX , i n regards to their fallacious reporting 's to  XXXX , entity. In Between  XX/XX/XXXX , and  XX/XX/XXXX , I contacted the original lender o f HSBC Bank/ XXXX , t o advised them of my immediate financial hardships and extenuating circumstances that would prohibit me, from making continuous payments going forward. As such, they advised me to enter into  one of their affiliated credit counseling programs of which I complied and comme nced. As such, about a month thereafter, I received a call from a gentleman stating that he was just calling to see if they were any changes in my financial status, and of which I said no. As such, he continued on by saying your almost a year behind on your mortgage and still under water with many other financial payments and companies. And right thereafter, to my surprise he proceeded by saying that as of today he no longer would be pursuing this matter, and therefore, this debt will be made nullified as under cease and desist order and will be shared with all of their affiliates, to comply with going forward as well. However, to that narrative in  XX/XX/XXXX , while I was residing in the  east coast w hich is a bout  XXXX  states  away a friend of mine had informed me about coming in contact with a subpoena order of which she founded on her door. So, I requested that she scan and e-mail such documents. Upon reviewing such documents it turned out that it was  XXXX   XXXX   XXXX , who had filed a lawsuit by utilizing a law firm based out of  XXXX   XXXX  Michigan suing for court costs, attorney fees, and other additional bogus charges other than the original left over debt balance of {$6 30.00}, range, and with theirs showing {$820.00}, from HSBC Bank  XXXX , and with the lawsuit debt showing {$920.00}, stemming from  XXXX   XXXX   XXXX , and affiliates, that they were currently utilizing to place judgement against me, in a cunning, and gravalicious attempt. So, right after revising such documents I decided to contact the courts and shared to them the same sentiments of what was said, to me verbally and also advised them that I was also, no longer residing in the current  state and county of whe re such lawsuits were filed and in further, advised the court clerk that It would also be difficult for me to make it there, as I was l ike   XXXX   states a way. I also said, to the clerk, that if there was a way for me, to do the hearing over the phone on the date specified for such specific times as that would work out for me just fine. She replied by saying no, and that the information that I had provided her with was good enough to record down and proceed with. And in further, she also provided me with an email address and link to give such, shared verbal statements in writing of which I executed and completed, with also a follow up call to make sure, that such, request was received and of which was also verified out accurately. And that was that. In further, I also contacted the law firm and spoke to a gentleman and shared the same sentiments of what was said to me verbally over the phone stemming back from  XX/XX/XXXX . That same gentleman at the law firm took my statement and replied by saying okay. Again, that was that, and to this day I have n't heard from any of the sources that I had called into about the shared sentiments and statements in general. But as such, I have been noticing constant reports being made against my credit under  XXXX , enforced b y all  XXXX  entiti es of  XXXX   XXXX   XXXX , an d C/O :   XXXX   XXXX   XXXX , and  HSBC  Bank/ XXXX  and on many numerous occasions that I have made constant contacts with  XXXX , and shared the same sentiments, and to no avail, to this day no such, actions of deletions has been made by any of the affiliated entities that 's reporting all such negative and derogatory reportings. And as such, in my closing out analysis and conclusion surrounding this entire matter. I for  one have d etected that these    XXXX    e ntities is full of ethical fallacies that supports their unethical behavior for how they all conduct their businesses with no good reputation or credibility behind them, and in further, they all utilize such disturbing approaches to entrap and take advantage of past and present customers that perhaps, would have never catch on to such undermining events, and for which many would deem as an act of non-de minimis attempts, which also supports acts of extortions on so many unjust levels. And as such, again, I therefore, request that all the se   XXXX   en tities cease, and desist all such reportings against my credit with  XXXX , as  one of your associates had already declared the aforementioned over six  years ago which supports all my shared statements and sentiments with all the appropriate parties and entities here by in general. And as such, as it relates to the subject matter, I am requesting that very stiff penalties of swift acts of justices by the body of government that oversees, and regulates al l  XXXX   entities as their ways of conducting businesses at all levels demonstrates nothing but an act of deeply disturbing business conduct in general in the marketplace. And lastly, please see info on  XXXX   XXXX   XXXX  , law website regarding  XXXX   XXXX   XXXX , and  XXXX   XXXX   XXXX .