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Someone keep hacking my NetSpend account! they are using my account number and keeps Stealing my personal information without my consent! XXXX XXXX

Someone opened two debit accounts in my name through Chase bank and tried to overdraft money

In accordance with the Fair Credit Reporting act XXXX XXXX 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

There's so much going on with fraud and ID theft, and now that I'm paying closer attention to my report, I want to be sure it's accurate. I sent a letter to the bureau with attachments CLEARLY showing my name and address ( State ID - Social Security Card - Bill ). I don't understand why the corrections haven't been made.

This is my second time not receiving an update about my investigation. I have been wasting money on stamps, and ink to send out my letter. Its been more than 60 days and not response via emailand i, really disappointed. the account in my credit report is inaccurate and unverifiable.. I am authorizing this complaint with proof of the disputes i sent out I need your help to review to REMOVE OR UPDATE these inaccurate informations immediately 1. Under 15 USC 1666B this is a billing error Date last active and date of last payment shows inaccurateacross all 3 bureaus his is an error this account in violation. XXXX XXXX XXXX Account number : XXXX I have paid as agreed on time this is an error please audit the account and update to paid as agreed 2. This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. XXXX XXXX Account XXXX As a consumer by law this account must be deleted immediately. 3. Under 15 USC 1666B this is a billing error Date last active and date of last payment shows inaccurateacross all 3 bureaus his is an error this account in violation. XXXX Account number XXXX I have paid as agreed on time this is an error please audit the account and update to paid as agreed 4.Under 15 USC 1666B this is a billing error Date last active and date of last payment shows inaccurateacross all 3 bureaus his is an error this account in violation. XXXX XXXX XXXX Account number XXXX I have paid as agreed on time this is an error please audit the account and update to paid as agreed

I am a Home Depot credit card user I do not get a paper bill only online email notifications of payment due I do have a balance which I noticed after viewing activity there is a fee called Balance Protection which I knew nothing about, when I called the number listed I was told I purchased the protection which I informed the agent I had not as it made no sense to pay for something I am able to make monthly payments on with out the need of balance protection, I requested a refund for the fees charged for something I did not need or purchased I was inform I would receive a refund. On a letter dated XX/XX/XXXX I was informed that since I purchased this on XX/XX/XXXX and my account was protected by the program benefits no refund due I canceled the protection prior to this letter. If I had known I had this protection I would certainly have used it while I was out on sick leave for 9 months in XXXX till XXXX but I made all my payments with out any help as I didnt know I had this protection. Im not sure how I was enrolled as I did not knowingly add more debt to a store credit card with a high interest rate as it is. Any help with this issue will be greatly appreciated thank you

1.The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 2. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/XXXX Please supply information on how you have verified this item. 3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 7.The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I contacted, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this 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 from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

all of the credit reporting services are reporting false information about XXXX XXXX and XXXX and XXXX XXXX and XXXX XXXX. they have my name listed as my fathers name because we kind of have the same name. he is a XXXX and i am a XXXX

Bay Area Credit Service XXXX XXXX XXXX XXXX ) XX/XX/XXXX1. ) XX/XX/2016 {$1300.00}XX/XX/XXXX 1. ) XX/XX/2016 {$1300.00} 2. ) XX/XX/2016 {$1300.00} I reached out to my insurance XX/XX/XXXX and requested my coverage of that particular item, and they also informed me that it was paid in full. And I sent the documents to all 3 bureaus.

On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time 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.

I never opened this card, it was fraud, along with another XXXX. This is the only card I have contacted numerous times I called them and they have had excuses but it has never been deleted as promised. In XXXX I believe I spoke to XXXX, he took the initial report and said it'd be fixed right away. Nothing was fixed, so I filed with XXXX, twice and they still didn't fix it. I called back again in XXXX and spoke to a XXXX again in the fraud department, who stated that it had been marked wrong and that he would fix it and it would be deleted, I also spoke with a supervisor named XXXX who also promised it was corrected. Today I got a call from them first time since XXXX, to tell me I was behind in payments, I told her the story again and they switched me over again to the fraud department, who NEVER answers when you call them, I was on hold for over XXXX minutes and no answer. I have been fighting them to delete this for well over 9 months now and they haven't fixed it still!! It is still on my credit report and I never opened this card. Comenity Bank Ulta XXXX XXXX

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

I am writing to seek a remedy for an action by Bank of America whereby I was charged more for a purchase on my Bank of America Premium Rewards Visa ( the Card ) than I would have been charged had the charge gone through as intended on the purchase date. Also, I want to share with you my customer service experience regarding this issue. On Tuesday, XX/XX/XXXX, attempted to use the Bank of America ( BoA ) travel service to book four flights and pay for them using a combination of rewards points and the Card. The price each ticket was {$1200.00}. Through the BoA travel site I entered all of the information to purchase the tickets. An error message stated that there was an authorization problem and suggested that I contact my bank or use another credit card. Immediately I contacted BoA. After over an hour and a half on the phone with both card services and travel services, no one could explain why the tickets could not be purchased. Moreover, BoA travel services could not purchase the tickets on my behalf using the Card. After an enormous expenditure of time, no BoA employee could explain or resolve the issue, purchase the tickets or provide a workaround to purchase the tickets that day. This matter was left with BoA customer service associates with the expectation that they would provide a resolution. Notably, I had no other issues using the Card with any vendor. On Thursday, XX/XX/XXXX, no one from BoA had contacted me regarding this matter. When I checked the tickets, the price had gone up to over {$1300.00} per ticket. I again called BoA. The customer service representative was able to see my XX/XX/XXXX purchase attempt. I requested to speak with a supervisor and I was connected with XXXX in Idaho. After 65 minutes on hold, XXXX told me that she could not help me because BoA was changing computer systems and there was no record of the transaction. I still did not have my tickets and again I received no real customer service. Because I was receiving no customer assistance on the phone, I made an appointment at my local branch for assistance.On Friday, XX/XX/XXXX, I arrived at the BoA XXXX XXXX branch at XXXX XXXX. I sat in Relationship Manager XXXX XXXX office for 2 1/2 hours while we both waited on hold with travel services and card services. I had to pick up my children from school, so I left Mr. XXXX on the phone until the end of his workday, at which point I was told that I should contact XXXX XXXX. I was given transaction ID : XXXX and authorization code : XXXX. Also, XXXX XXXX, the branch manager at BoA XXXX XXXX, promised to call me on Monday, XX/XX/XXXX. She was going to speak with her manager about how to make a complaint. I did not hear from Ms. XXXX or anyone else at BoA on Monday. On the morning of Monday XX/XX/XXXX, I contacted XXXX XXXX. They informed me that the I had properly made the reservation but it had been canceled by BofA. Moreover, XXXX would not honor the original reservation. As proof, XXXX XXXX provided me with the reservation number ( XXXX ) that BoA canceled. Now, the price of the flight had increased to {$1500.00} per ticket. On Tuesday XX/XX/XXXX, I called BoA to reiterate what XXXX XXXX told me about the BoA cancellation. Neither XXXX in Advanced Client Solutions nor XXXX in Fraud and Servicing were able to help. Both told me again and again that there was nothing wrong with my card. Once again I spoke to Ms. XXXX in XXXX XXXX. She promised to follow up and call me back before the end of the workday. Frustrated and exasperated with BoA, I purchased the tickets at a cost of {$1500.00} each, on the Card, directly through XXXX. The purchase price of the tickets was {$1300.00} more than the tickets I originally reserved. On Wednesday, XX/XX/XXXX, Ms. XXXX informed me that a case number had been opened on XX/XX/XXXX to honor points. I have no idea what this means : no points have been credited to the Card. Also on XX/XX/XXXX, I received a call from XXXX in the Research and Review department, who stated that the claim ticket at BoA was routed to the incorrect department ( Research?! ) and would be re-routed to Travel Rewards with Case No. : XXXX. He recommended writing to the PO Box on this letter. He was not able to provide the name of a person to whom this letter should be addressed. I am attempting to copy XXXX XXXX at BoA directly as he appears to be in a senior position with the authority to deal with this issue. My simple request is that BoA credit to my Card {$1300.00}, which is an amount equal to the difference between the price of the tickets I reserved and attempted to purchase on XX/XX/XXXX and the price I subsequently paid for the tickets on XX/XX/XXXX. I do not have all of the names of associates who I spoke with on the telephone. My recollection and records are probably incomplete as to all of the times that I called BoA and was bounced from one department to another and told that to have a supervisor call me back would take up to a week. This service makes one wonder why BoA even attempts to have a travel component or provide card services. It is worth noting that I obtained the Card with the express intention of using it for travel generally and the subject trip specifically. I wrote to BOA twice and have followed with two phone calls which have led to being put on hold for over one hour each time with no resolution.

Harvest Strategy Group made an unauthorized inquiry on my XXXX XXXX consumer report. I do not have an account with them, never gave them permission and they did not have any permissible purpose under the Fair Credit Reporting Act. I have attempted to resolve this issue in the past but they ignored my previous complaint and never sent me any correspondence. They have accessed my personally identifiable information and as a result of this unauthorized act, I may be potentially exposed to identity theft. No consent is Identity theft. I have pursued legal action against them because they refused to respond and my privacy has been invaded and is at great risk. See attachments.

XX/XX/XXXX - CIVIL CASE # XXXX FILED WITH CLAIM for {$5600.00}. Disputed with XXXX XXXX XXXX at that time. Requested documentation and was informed this debt was for a XXXX XXXX. I had no dealings with someone with that name. Requested documentation and never received anything. Several motions for Extensions were filed between XXXX. I received no further paper work in between these times. Judgement was then filed XXXX for {$5600.00} for XXXX XXXX Bank XXXX XXXX XXXX. Neither sources have I ever heard of or used for any financial needs. I attempted to contact XXXX XXXX XXXX at that time but was unsuccessful in talking directly with someone that wasn't just requesting more information from me that they did not have record. They did not have my social security #, correct address, or XXXX so I was confident that this must be a scam. Since XXXX there have been several attempts to garnish my check as writ of garnishments have been sent to my employers. XX/XX/XXXX - Now a writ of garnishment has been sent to my personal bank most likely since my conversation with XXXX XXXX XXXX when I gave my social security number. I have made several attempts to resolve this issue and many requests for supporting documentation of my responsibility for such debt but have been unable to receive anything from XXXX XXXX XXXX. I do not understand how a court can continue to even file and record such a claim, judgement, or garnishment when there is no actual documentation to support the validity of such debt. Over many years this has caused a lack of trust, emotional distress, even job loss due to me being notified of someone coming after my pay that has no right to do so per my knowledge or at least a justifiable explanation. Documentation is publicly viewable on the caseinfo.arcourts.gov site which is how a employer was able to tell me why they would have to submit the requested documentation to XXXX XXXX XXXX.

On XX/XX/XXXX I called Santander Bank to close my checking and savings accounts. At that time the customer service agent told me I had to XXXX out the checking account so I wired the remaining {$99.00} from my Santander account to my current checking account, my current checking account showed it cleared that day. I called and cancelled the account as soon as I had a XXXX balance. I received an automated voicemail from Santander that I had an outstanding balance of {$200.00} from an automated insurance payment. I believe they had not received my new bank information in time and used my previous Santander information. I called Santander customer service again on XX/XX/XXXX. They told me that the attempt from my insurance company to make that payment " reopened '' my account and I was overdrafted. They wanted me to send the money to my reopened account to XXXX it out and close the account again. I asked if instead I can wire the funds over the phone so they get the exact amount and I can again close the account. I believe they waived the overdraft fee at that time, and I received a confirmation that day that the account was XXXX. After I confirmed that there were no pending transactions, the agent assured me my account was closed. On XX/XX/XXXX I received an automated voicemail from Santander that said I had an overdrawn amount of {$51.00}. I called on XX/XX/XXXX to inquire why the account that I had confirmation on XX/XX/XXXX was closed, was able to be overdrawn. My XXXX account still had my Santander account information for automated payments and pulled {$40.00}. I mentioned that my previous dealings with other banks, a closed account should not be active and the payment should not go through. Mr. XXXX of customer service from Santander said there appeared to be a " refund '' of bank fees for {$24.00} to my previously closed checking account that appeared around XX/XX/XXXX that triggered the account to be reopened. They had then charged me {$35.00} for the overdraft fee. I then became frustrated with the customer service agent and explained I have made two previous attempts to close this account and against my wishes this account reopened twice and then tried to charge me overdraft fees. The agent asked me to send money to my Santander account to cover the overdraft fee. I refused and told him I will not be adding more money to that account and I wanted to wire the funds directly over the phone like I did the last time. The agent then said the " refund '' covered {$24.00} of my overdue balance and they were also cancelling the {$16.00} fee. I was also assured that the account was again closed. I have again gone through my automated payments with XXXX and all other accounts to make sure my Santander information is not used in any way. I do not have confidence that this account will ever close and I am suspicious that Santander is using this to charge me account fees. I moved to XXXX to work as a XXXX at the end of XXXX and have been here since the pandemic began. I do not have the luxury of getting on a plane and flying home to XXXX to deal with what I believe to be dishonest banking and, I feel this is my best option of getting help with this matter.

Experian. Is reporting a bankruptcy on my credit report, i XXXX XXXX XXXX HAVE NEVER FILED BANKRUPTCY IN THE STATE OF ALABAME NOR ANY OTHER STATE, I HAVE BEEN A VICTIM OF IDENTITY THEFT IN THE PAST, THE OTHER TWO CREDIT BUREAUS, XXXX XXXX OR XXXX HAS REMOVED THE BANKRUPTCY FROM MY CREDIT REPORT. I HAVE SENT THEM DOCUMENTS FROM THE COURTS STATING THAT THEY DO NOT REPORT TO THE CREDIT BUREAUS. I HAVE CONTACTED XXXX XXXX AND XXXX I HAVE NEVER HAD ACCOUNTS WOTH THOSE COMPANIES THEY HAVE NO VERIFICATION OF WHERE I HAD A BANKRUPTCY ON MY CREDIT REPORT. PLEASE REMOVER THE BANKRUPTCY IMMEDIATELY.

I asked Experian to remove a debt from my credit report because it could not be validated. XXXX XXXX and XXXX could not validate the debt so the debt was removed from both credit reports. XXXX XXXX XXXX

This is NOT a request to conduct a reinvestigation or a request to contact the data furnishers for items on my Equifax credit report and ask them to verify the accuracy of the information. Equifax is in violation with the Fair Credit Reporting Act, 15 USC 1681. Let me further explain. Pursuant 15 U.S.C. 1681 ( a ) ( 4 ), I have the right to privacy. ( I demand these accounts be deleted ). Pursuant 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), the term consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. ( Ex. Late payments, amount financed, charge-offs, etc. ). Pursuant 15 U.S.C. 1681b ( a ) ( 2 ), A consumer reporting agency can not furnish an account without my written instructions. ( I have never given Equifax permission to furnish any of these accounts ). Pursuant 15 U.S.C. 1681c ( a ) ( 5 ), No consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Pursuant 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), A person shall not furnish any information relating to a consumer to any consumer reporting agency. The following accounts must be deleted from my report immediately. Equifax has violated my federally protected consumer rights to privacy and confidentiality, according to the Fair Credit Reporting Act, under 15 U.S.C. 1681. Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Date Opened : XX/XX/XXXX This is NOT a request to conduct a reinvestigation or a request to contact the data furnishers for items on my Equifax credit report and ask them to verify the accuracy of the information.

Chex systems received a LEGAL Notarized BANK affidavits the Certified Receipt shows Tracking Number : XXXX XX/XX/XXXX DELIVERED to them disputing XXXX and XXXX bank under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For Chex systems to Provide physical verification of the original signed consumer contract. <P/>I demanded from Chex systems to see Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY the Certified Return Receipt shows XXXX sent to me XX/XX/XXXX. UNDER the FCRA they are Now REQUIRED to REMOVE BOTH XXXX and XXXX under federal law. Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts XXXX AND XXXX.

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Accounts has violated my rights. ( XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency furnish an account without my written instructions.

Hello, I have been trying to get this problem fixed since XX/XX/2021 with TransUnion and XXXX and these reporting company hasn't sent me ANYTHING regarding this alleged debt. They haven't verified this XXXX XXXX debt and they haven't sent me any documents that i asked for or anything. So i am so confused who will be able to help me get this removed. Also the debt collector is XXXX XXXX XXXX and also hasn't notified me in any way ( 15 usc 1692g ) variolating my rights and keeping me in the dark I'm starting to feel like they are knowingly reporting false information and they wont fix it. It is really stressing me out since it's really been over 100 days of me trying, calling, and sending in disputes yet this XXXX Account is still on my report for no reason. They have violated so many consumer laws it is crazy. 15 united states code 1681 ( i ) ( a ), 1681 ( i ) ( 2 ) ( a ), 1681e ( b ) are just a couple and it should be deleted off my report immediately. Or else I will be forced to litigation since they seem to not be compliant with the law. 15 usc 1681n for willful noncompliance.

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the disputed items will be corrected ASAP. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

This complaint shall be labeled as a follow-up to my previous complaint. I want you all to remove the erroneous items in my file for they have not affiliated with me and are inaccurate. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022

i wrote the credit bureaus on XX/XX/2022 regarding inaccurate accounts on my credit report. its been over XXXX daysand i have not received any form of response from them. They have violated my rights. 15 U.S.C 1681 section 602 { A }. States i have the right to privacy. 15 USC 1681 section 604 { A } section 2. Its also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing XXXX days prior, I was not notified. 15 USC 1681ia ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 15 USC 1681e ( b ) ( b ) Accuracy of report -Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The details of the accounts are inaccurate they are not exact in details and amounts. 15 USC 1681 { i } ( 6 ) Notice of results of reinvestigation ( A ) In general- A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. i have my certified mail tracking receipts

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

In accordance with the Fair Credit Reporting ACT, The following Accounts has violated my rights. 15 U.S.C 1681 section 602 ( a ) ( 4 ). States I have the right to privacy. 15 U.S.C 1681 Section 604 ( a ) ( 2 ) : Consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 Section 611 ( 2 ) ( B ) 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( a ) XXXX Account Number XXXX Account Number Experian:XXXX Account Number XXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Number Experian:XXXX Account Number XXXX XXXX XXXX Account Number XXXX : ******** Experian : ****** XXXX : XXXX

The people that are run the Best Buy credit card refused to send me an item I statement they won't send me one via email and they refused to send me 1 through the know I have tried on 4 separate occasions to no success I have not been using my card but my balance keeps going up. And they refused to send me any documentation

In accordance with the fair credit Reporting act Capital One Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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.

I have a car loan through a company called mas financial, they have repossed my car after I 've already made payment, they call me 20 times a day harassing me and my sister, they have texted my phone talking crazy to me and have texted my sister phone as well, is there anything I can do to solve this matter?

I have submitted multiple request to remove wring addresses and still have not removed the inaccurate information on my credit report

IN ACCORANCE WITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS BELOW HAVE VILOATED MY FEDERALLY PROCTED CONSUMER RIGHTS TO PRIVACY AND CONFINDIANTALLY UNDER 15USC1681. XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 15USC1681SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY. 15USC1681SECTION 604A SECTION 2 STATES A CONSMER REPORTING AGENCY CAN NOT FURISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION

I am writing this due to non-compliance with the CRA XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. Company Name : US DEPT OF ED/XXXXXXXX XXXX XXXX XXXXXXXX XXXX, WI XXXX Dates : XX/XX/2019. I sent dispute letter out disputing the inaccurate information and XXXX claimed it was accurate.

In XXXX of 2016 Citibank mailed an unrequested credit card to an unsecured mailbox, located at an address I was no longer occupying. This card, which was issued in my name, was stolen and activated by an unknown person. During a period from XXXX to XXXX of 2016, numerous fraudulent charges were made to this card. These charges were added to my credit card balance. I never had possession of this card. I was paying off a previous balance on this Citibank account, but had not made any new charges to it for many years. Because I did not to my knowledge have an active card with Citibank, I did not notice the fraudulent charges. When I became aware that the card existed and had been stolen, I immediately informed Citibank of the fraud. The account was frozen. The customer service representative at Citibank told me that the charges would be investigated, and that Citibank had policies in place that protected consumers against fraud. Meanwhile, the charges were not removed, with the exception of two items equaling about {$65.00} combined. The interest on the fraudulent charges continued to accumulate. I have contacted Citibank repeatedly since I reported the crime, and also mailed a letter to Citibanks credit card fraud investigation department. I have never received a response to my inquiries. Citibank never notified me of a resolution of this case or gave me any information on the purported investigation. Each time I called, the representative only said that the matter was still under investigation. Some of the charges were made to out-of-state entities, which means that the identity thief purchased goods or services via the U.S. Postal Service, a parcel delivery service, or over the telephone. For these transactions the unknown person likely used his own contact information. I believe that investigation of the details of the fraudulent charges would show that the charges were not made by me. The total sum of fraudulent charges made to the account is {$6600.00}. The interest charged during the period in which the card was active reached approximately {$720.00}, and has continued to accrue since then. I make monthly payments to this account. The fraudulent charges have made it extremely difficult to pay off the balance that I legitimately owe. Also, I have no way of knowing whether I have already paid off this amount. Thank you.

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXXXXXX XXXX. Balance : {$220.00}

Personal Information Update Letter XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX, Tx XXXX RE : Social Security Number XXXX To Whom This May Concern : This is my SECOND TIME writing you to update my information 15 USC 1681 ( a ) ( 4 ) 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My XXXX XXXX - XXXX XXXX XXXX. My Address - XXXX XXXX XXXX XXXX XXXX, Ga XXXX Please delete all other addresses, I can not receive mail, any correspondence, nor do I have access to any of these addresses. Please delete these outdated addresses and update my consumer report with the one above. My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ). I am a federally protected consumer and I have a right to privacy. Not granting me my rights is indirect violation of 15 USC 1681 and all its subsections.

I DON'T RECOGNIZE ANY OF THE HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

I submitted three certified dispute letters to the three credit bureaus disputing two unverified accounts appearing on my credit reports. The two items in question on my credit reports are, XXXX XXXX XXXX and US Dept Of Veterans Affairs. In the prior responses from the credit bureaus they were all basically stating the statuses reported were " accurate or verified. '' On XXXX XX/XX/2019, I submitted the fourth and final dispute letters to the credit bureaus prior to submitting this complaint to the CFPB. I received a response from XXXX and Equifax in the mail around the XXXX of XXXX, a credit report from XXXX and a letter from Equifax ( I misplaced the letter and it is not include in this complaint. ) I received the response credit report from XXXX XXXX on XXXX XX/XX/2019. But, all the letters are typically stating the items were verified as accurate. I find that assertion to be inaccurate due to the fact that under the FCRA, the credit bureaus are required to have a copy of the original creditors documentation on file to verify the information on my report is mine and correct. In the investigative results from the credit bureaus, they stated in writing they " verified '' the items were being " reported correctly. '' Who verified these accounts? I have not been provided a copy of ANY original documentation ( a contract with my signature on it ) from any of the disputes I sent to the three credit bureaus! This is a violation of Federal Law under the FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A. ) The credit bureaus have also failed to provide me the method of verification as required under Section 611 ( a ) ( 7 ). The law is very clear in that the credit bureaus are required to " promptly DELETE all information which can not be verified, as per Section 611 ( 5 ) ( A ) of the FCRA.

This company is sending out mass mailers telling people/implying they will be arrested if they do not pay. Aside from the fact that the debt isn't even valid, I'm shocked at being threatened with arrest unless I pay out. This company sends out so many of these mailers that I have another one for an entirely unrelated person that was also mailed to my house!

Collection item reported on credit report. Attempted to dispute via credit reports AND also contacted the collection agency as this debt is not mine. The collection agency has not answered the phone every time that I have called to dispute item. According to what is reported, the name of the collection agency is listed as CONSUMER ADJUSTMENT CO, XXXX XXXX XXXX, and XXXX XXXX XXXX. They are stating I owe XXXX dollars from a loan taken out in XX/XX/2020. I have not taken out a loan with these companies in XXXX or any part of 2020. The address of this company is XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX and the phone number I have attempted to call is XXXX.

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

IC Systems calls my cell phone several times a day from the phone number XXXX. They do not leave a message.

I contacted XXXX, Experian, and XXXX on XX/XX/2019 via certified mail requesting my personal information be updated. XXXX and Experian keep asking me to send in additional documentation when I have sent them information past verifiable to prove that I am XXXX XXXX XXXX and that I reside at XXXX XXXX XXXX, XXXX, MS XXXX and that my ONLY previous or prior address is XXXX XXXX XXXX XXXX, MS XXXX. Please see attachments that have been sent.

This is in reference to DIVERSIFIED CONSULTANTS. I recently noticed an open collection account on my consumer credit report from DIVERSIFEID CONSULTANTS and I do not know this company nor was I ever contacted by this company to pay or make an arrangement with this company. I noticed the same account from DIVERSIFEID CONSULTANTS on my credit report last year but then it disappeared. Now I see this company show up on my report again AND again without any formal written notice and this time the collection debt has a different opening balance date. This company DIVERSIFIED CONSULTANTS is playing around with my credit information and I am afraid my identity has been compromised because of it. I have also submitted a letter of debt verification to this company which they have yet to respond to.

I am writing to formally dispute the accuracy of the charge-off entries on my credit reports associated with my XXXX XXXX XXXX XXXX XXXX XXXX specifically Account Number XXXX and Account Number XXXX. I request that you investigate these entries in accordance with the Fair Credit Reporting Act ( FCRA ) to ensure their accuracy and compliance with federal law. The FCRA, a federal statute that governs the reporting of credit information by consumer reporting agencies and furnishers of information, outlines several key provisions that are relevant to this dispute : 1. **Accuracy of Information ( Section 623 ( a ) ( 1 ) ( A ) ) ** : The FCRA requires furnishers of information, such as XXXX XXXX XXXX XXXX XXXX to provide accurate and complete information to credit reporting agencies. I believe that the charge-off entries on my credit reports may contain inaccuracies. 2. **Duty to Correct and Update Information ( Section 623 ( a ) ( 2 ) ) ** : The FCRA also imposes a duty on furnishers to correct and update inaccurate information promptly. If the charge-off entries are found to be inaccurate, I request that you correct these entries with all credit reporting agencies that have received this information. 3. **Investigation of Disputes ( Section 611 ( a ) ( 1 ) ( A ) ) ** : Upon receiving notice of a dispute from a consumer, the FCRA requires furnishers to conduct a reasonable investigation into the disputed information. I am formally disputing the charge-off entries on my accounts, and I request that you investigate the accuracy of these entries. 4. **Time Limits for Investigations ( Section 611 ( a ) ( 1 ) ( A ) ) ** : The FCRA further stipulates that furnishers must complete their investigations within 30 days of receiving notice of a dispute. I kindly request that you adhere to this time frame when conducting your investigation. I expect XXXX XXXX XXXX XXXX to undertake a thorough and diligent investigation into the charge-off entries on Account Number XXXX and Account Number XXXX. Please provide a detailed written response to me within the time frame required by the FCRA, summarizing the results of your investigation and any actions taken to correct any inaccuracies. If you are unable to verify the accuracy of these charge-off entries, I request that they be removed from my credit reports as required by the FCRA. I look forward to your prompt attention to this matter and the resolution of this dispute within the stipulated time frame. Please be advised that if these matters are not resolved in accordance with the FCRA, I may pursue legal remedies available under federal law. Sincerely, XXXX XXXX

I noticed that TRANSUNION is negligently reporting these inaccurate negative accounts on my credit report. I already tried to fix this with TRANSUNION but they did not send me any process on how they investigated these accounts. This is a violation of the Fair Credit Reporting Act which states that all the information reported on my credit report should be accurate and if ever I would send a dispute or file a complaint with them regarding an inaccurate account, they should disclose with me all the steps they took when investigating and validating the disputed account.

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. -- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

I Check my credit and i notice that there are Accounts that I did not give any Consent to I need information On How this was allowed to Happen I need this off my personal Credit

An alleged debt owed to XXXX who was responsible for Accounting Services to my Law Firm and my family was resolved on or about XXXX XXXX, 2016 by way of Settlement Agreement and General Release. Per the Terms of the Settlement Agreement, any debt allegedly owed by my wife and me to XXXX was extinguished effective XXXX/XXXX/2016. Despite the aforementioned Settlement Agreement Capital Collection Agency, which had been retained by XXXX XXXX submitted false and misleading information to XXXX on XXXX/XXXX/2016 that the debt remained outstanding and as a result I have been denied credit and/or am being charged a higher interest than I would otherwise have had to pay.

This debt does not belong to me. This is a result of identity theft. Please I would like this inaccuracy removed from my credit report

In early XXXX, I was notified by XXXX that my email and password were compromised on the dark web. I started to receive alerts from other companies that my identity had been stolen. I checked my primary checking account and noticed there were 11 XXXX Debits to unknown persons, as well as a deposited ( eventually returned ) forged check in the amount of {$2000.00}. The XXXX debits totaled {$11000.00} but only {$9000.00} were credited back to me. There remains an additional {$2000.00} that has not been credited back to me that was Fraudulent due to the data breach.

I checked my consumer report one morning and notice a collections was on my report. I never been notified of the account so I reached out to them via mail with a validation letter of the debt they say I owe on XX/XX/21 certified with a return receipt. The company received the mail XX/XX/21. I received a response from Genesis FS card services XX/XX/21 stating they are unable to locate an account with the information provided.

I had difficulty using my online app to make a payment. As a result I had to reset my password and then make a payment. I was later assessed a late payment fee of {$25.00} because I had missed the bank 's cut-off time of XXXX XXXX by 3 minutes. Even though the bank was able to immediately debit my checking account and received payment on the day I authorized the payment.

I CONTACTED EXPERIAN, XXXX, AND XXXX - CREDITOR NAME IS XXXX XXXX XXXX XXXX, SENT ID THEFT REPORT, POLICE REPORT, PROOF OF IDENTITY AS YOU CAN SEE ATTACHED THIS WAS REMOVED/DELETED FROM MY EXPERIAN AND OTHER REPORTS XX/XX/2022, NOW IN XX/XX/2022 THIS ITEM IS BACK ON MY CREDIT REPORT THIS IS FRAUD AND IDENTITY THEFT, PURSUANT TO SECTION 605B OF THE FIR CREDIT REPORTING ACT HOW CAN THIS HAPPEN IVE ALREADY SENT ALL DOCUMENTATION PROVING IM A VICTIM OF IDENTITY THEFT, HOW RE YOU REINVESTIGATING SOMETHING ALREADY BLOCKED AND REMOVED DUE TO IDENTITY THEFT?

Navient violated the Employee Retirement Income Security Act of 1974 when I was told that I need to use 401K funds to meet payment obligations. In addition, Navient, in regards to student loan help, will not provide written copies of agreements that can be reviewed before approval. All of Navients help must be completed over the phone, through oral agreements, similar to prior student loan approvals with Sallie Mae, A.K.A. Navient ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... On XX/XX/XXXX, I spoke to XXXX XXXX, a Navient representative. I called Navient because I was out of a job and had issues finding a job for medical reasons. He said there are three options but one of the three, forbearance, was no longer allowed on my account. The second of the three options was a six month plan of interest only payments. I understand that interest only payments do not help my overall financial net value as I will effectively pay more money after the six month interest only payments are made. The third option is up to fifteen months of lower payments that are need based - the interest rate reduction program. There would be requirements, a soft pull of my credit, a financial statement, and if I had a co-signor, the co-signor would be involved I, however, paid off all the loans associated with a co-signor and this requirement did not apply. He stated my payment would be set between {$450.00} and {$470.00}. I had previously participated in the interest rate reduction program before, and my payments were much lower than what was quoted. Something didnt seem right and even with the stated range of payments my budget couldnt handle them. I also did not have an income. I have been unemployed since XXXX of XXXX. He disagreed that I didnt have income and said that I was living somewhere, that I was talking on the phone, food to eat, that I must have an income, XXXX said. He stated a spouse or parent must be supporting me in order for me to talk to him at that very moment. He said income is family money received, 401k. He said he can verify this information by looking at my credit report and reviewing my expense for rent, utilities, bills, groceries. XXXX explained that money my parents give me and my 401K should be used to pay Navient ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... XXXX said people would budget their savings to survive, and I said yes. I asked him if I could get a copy of needs based program to review for approval and he said NO, this help can ONLY be provided over the phone, he said. First, why would my family members be indirectly responsible for my loans? And my parents do help me with food sometimes as they had recently bought me an enchilada dinner. Am I supposed to split that dinner in half and mail it to Navient? Or, if they gave me money to buy some food to eat, would I have to take a percentage of that money, not eat enough food to survive, and mail the money to Navient? I budgeted what I had to survive, to have energy to be able to look for a job once I was better and no longer in physical pain and confined to my room ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. Most importantly, I did not know that 401K funds should be used to repay my loans. I had no idea. Since I had basically run out of reserves, I therefore, with the direction of Navient, proceeded to cash in my 401K funds and that was how I was able to make payments for the following months. That money ran out. But what XXXX XXXX, Navient, failed to inform me was that I would have to pay taxes on that 401K disbursement as well as pay a tax penalty for taking the money out. Does he or Navient understand what position that puts an individual in that does not have a job? What about my retirement? What hope now do I have in having something in retirement? The 401K was my own personal retirement fund, what little hope I had in the future, and now, what little money I had in it, is gone in addition to tax penalties ... ... ... ... ... ... ... ... .... My question to Navient is why are we supposed to cash in our retirement savings in order to meet debt obligations? Is this not a violation of the Employee Retirement Income Security Act of 1974? ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... Also, why are my family members, who help me eat and sleep and help me live through my day, be indirectly responsible for loans they did not co-sign for? Why am I supposed to send the support they give me to Navient? How am I supposed to pay Navient with a dinner plate my parents purchased for my consumption so that I could go to sleep without being hungry? ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... In addition, my legal council has told me to NEVER approve ANYTHING over the phone. I was advised to always ask for agreements IN WRITING before approving. How is it, similar to Sallie Mae, A.K.A. Navient, loan approvals, does Navient consistently require ORAL contracts as the ONLY option for loan agreements? Mind that, this particular agreement is an approval for Navient to take monies directly out of my checking account for a specific number of days.I will not participate in any oral contracts.

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. I have reviewed my credit report and have noticed several inaccuracies that I believe are negatively impacting my credit score. The following accounts and inquiries are the subject of my dispute : XXXX XXXX Charge Off Account XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX XXXX I dispute the above items for the following reasons : First, the XXXX XXXXXXXX Charge Off Account is inaccurate. I have never had any business or financial relationship with XXXX, and therefore can not have a charge off account with them. Second, the inquiries made by XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX are inaccurate. I did not authorize these inquiries and have no knowledge of them. Third, the inquiries made by XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, as well as the inquiry made by XXXX on XX/XX/XXXX, are also inaccurate. I have not applied for credit with any of these institutions, and therefore should not have any inquiries on my credit report from them. I request that you investigate these inaccuracies and remove them from my credit report. I also request that you provide me with a copy of the revised credit report after the inaccuracies have been corrected. Thank you for your prompt attention to this matter. XXXX : The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies provide accurate and complete credit reports to consumers. Inaccurate information can negatively impact a consumer 's credit score and ability to obtain credit. Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and request that it be corrected or removed. Failure to comply with the FCRA can result in legal action against the credit reporting agency. Sincerely, XXXX XXXX

XXXX XXXX reported i was late making payments in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX in 2015. I was not late because these payments were deferred and were not due at the time of reporting. I will like these payments to be updated as current due these payments being deferred and being in forbearance.

The card expired in XXXX of XXXX. I paid the account off on XX/XX/XXXX. I have not applied for another card. The account is closed, however I'm being charged an annual fee of XXXX due on XX/XX/XXXX.

Walmart in your letter enclosed you state a account XXXX XXXX you state account ending in XXXX was permanently closed you state you transferred account to new account ending in XXXX { show contract of new account with my SIGNATURE}you state you investigated show complete report evidence that you state .you state that i Benefited from account show actual benefited from this evidence with a signature . also why did XXXX get transferred with out my signature please send all copies that I request contract new account my signature , your investigation , benefited from use with my actual signature ref CFPB XXXX

On XXXX XX/XX/XXXX I sent a certified letter to the creditor per Experian credit bureaus response. The response was that the creditor has certified to Experian that the information is accurate. I sent a letter to validate this account by providing documents with my signature. The creditor failed to do so. I then requested Experian credit bureau to furnish me a copy of the documents the creditor used to certified this account, again now Experian failed to do so. On XX/XX/XXXX I filed a dispute to EXPERIAN and XXXX credit bureaus disputing these accounts this also was mailed off by US certified mailed. Again there respond was that the account had been certified by the creditor, I requested the documents that they used to certify these accounts and again they failed to provide me with any documentation that proves this account is 100 % accurate. FCRA section 611 ( a ) plainly states that failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report these items should be deleted. Experian ACCOUNT NO. XXXX AND ACCOUNT XXXX ALONG WITH XXXX ACCOUNT XXXX On XX/XX/XXXX I again reached out to the creditor XXXX XXXX XXXX XXXX per the credit bureaus request asking them to delete these inaccurate accounts. I received a response on XX/XX/XXXX stating that they don't have enough information to process my dispute. Which is ironic because my disputes have all the information that they reported to the credit bureaus and the credit bureaus reported on my credit report that I am disputing as inaccurate. I am enclosing a letter where the creditor XXXX XXXX reports that the balance on the account is XXXX but the credit bureau Experian and XXXX report XXXX and XXXX they are reporting totally different information which is a violation and the accounts must be deleted per the FAIR CREDIT REPORTING ACT AND THE FAIR DEBT COLLECTION ACT.

They want me to pay a balance of an account that i never open and keep calling me asking for money and asking personal question and information like social security number by phone, i eould like this people to stop bothering me and remove me from the debt and their system since i have never open an account eith them

Always seem like I was being charged twice for things. Like I can make a purchase & I can see the money taking off then but later I check again & was charged again. I mention this before but I could never get an correct answer.

I understand that accurate and complete credit information is crucial, and I believe there are closed accounts on my credit report that should no longer be affecting my consumer credit score. According to the FCRA ( Fair Credit Reporting Act ), it is the responsibility of credit reporting agencies to provide fair and accurate credit reports to consumers. Section 15 U.S.C. 1681 ( A ) emphasizes the necessity of accurate information and states that consumers have the right to dispute any inaccuracies or fraudulent information they find in their consumer credit reports. I have reviewed my credit report and identified the following closed accounts that I believe should 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

mailed and requested verification of debt on XX/XX/XXXX, recieved letter back sent bill of statement with no signature or name for account. sent 2 letter XX/XX/XXXX, recieved letter back sent bill of statement with no signature or name for account. sent 3 letter XX/XX/XXXX, recieved letter stating was reported disputed with all comsumer agencies and based on their investigation of dispute regarded account accurate and did not include additional information.

I have a torrid credit card with commenity bank. Although I've been making on time payments and dropped my usage significantly on my account, they have no reported any of it to the credit bureaus. The high usage is no longer correct and is affecting my score when I'm trying to get approval for a home loan. It's been over 4 months since the last time the updated my account. I won't get any clear answers from the bank

I requested merchant information from bank and they have no information on merchant. I filed a claim twice and reported debit card lost. Bank is denying my claim based on someone having used my pin possibly being written on my debit card. Bank can not verify transaction was authorized and can not verify merchant exists. They did try to find the merchant either

Credit repair agency is reporting my XXXX account XXXX XXXX XXXX as still open with a balance. This account has been fully completely paid. I have proof as well

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Experian, nothing has changed! So once again, I would like to request the suppression of this account from my credit report, which is the result of a fraudulent item origination and identity theft. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the XXXX XXXX XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I'd like this account deleted from my file ASAP : XXXX XXXX

I had an XXXX procedure done at XXXX XXXX XXXX in XXXX. My insurence states that everything should be covered, I am now getting billed for the XXXX for {$550.00}. XXXX and I have disputed this charge. I am now receiving a bill from a debt collector. The company is Credit Collection Services. thier number is XXXX. My file number with them is XXXX XXXX XXXX XXXX XXXX. I would like a stop to reciving invoices from them until I correct this with my insurence company so my credit doesn't go bad. Receiving a XXXX without the XXXX is like renting a car and then when you go to drive it they tell you you have to pay for a steering wheel. Any help would be greatly appreciated, thaks.

On XX/XX/2023 I opened a US Business Bank Checking account with a promo to receive a {$400.00} bonus if the following terms were met : 1- Enroll in online banking, 2 - Make 5 debit card transactions, 3 - Total deposits of {$3000.00} within 30 days of account opening. As you can see in the attached screenshot, I was given confirmation on XX/XX/2023 I was enrolled in the bonus and had already enrolled in online banking. I then made 5 transactions, and deposited {$3000.00} as shown in the screenshots. A couple months later I followed up to ask when I would receive the bonus, since I had met at the terms. They informed me that I was not enrolled in the bonus, as the bonus expired on XX/XX/XXXX, and I signed up XX/XX/XXXX. This was not the case, as I signed up directly online, so if the bonus wasn't applicable, it should not have been showing. Also the agent should have never informed me I was enrolled in the bonus and on my way to meet the requirements. I am seeking payment of the {$400.00} bonus that is owed to me for meeting the terms of this sign up offer.

On XX/XX/XXXX I sent {$10.00} to Sychrony from XXXX attracted by their advertised 3.75 % rate on a high yield savings account. After this posted, I then sent {$4900.00} on XX/XX/XXXX. I opened an account with them after reading decent reviews, but after doing more research, I have found lots of negative reviews and I do not have reason to trust this bank. Today, on XX/XX/XXXX am trying to close my account with Synchrony and return the funds to the account that I funded my Synchrony account with ( my trusted XXXX bank account ). Here is the rub. I am currently overseas living in XXXX on a work visa XXXX XXXX XXXX XXXXXXXX XXXX. I do not have access to my US phone number while physcially in XXXX and can not pass their 2 factor authentication to log into my account and make a transfer and close the account. When I called their account, they told me they had to confer with the back office in and make a decision. They did not provide a case number, just a name of a supervisor along with their extension. This seemed suspicious to me. I read more reviews of their negative customer service and now I am worried about my money. I want it back in the bank account ( XXXX ) I used to fund this account and I want to close my account with them.

I opened this account and put 2 deposit into the savings account around XX/XX/2022 and put too much money into the account, so i decided to put my XXXX account information using the routing number and account number provided by XXXX that uses XXXX. Marcus by Goldman Sachs has since locked my saving account requesting bank statements with the required information looking for the routing and account number from XXXX. I called XXXX and they said they don't provide that information on their statements just transaction history. so i called marcus back and requested for them to go ahead and remove the XXXX information from my savings account. Marcus has been nothing but rude and uncooperative about unlocking my the account. they wont even let me close the account. I just want the account unlocked and remove the XXXX information. Goldman Sachs refuses to unlock my account. I no longer want the XXXX tied to the account. Marcus customer service is very rude. I don't see how they can tie up people 's money like this. this isnt fair. i have children and need access to those funds immediately

To Whom It May Concern, The reason for my dispute is AMERICOLLECT # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, AMERICOLLECT failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) ARS AMERICOLLECT failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation AMERICOLLECT is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where AMERICOLLECT is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. AMERICOLLECT has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

I opened a vehicle loan with XXXX XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX, I paid off the loan full, with a XXXX dollar balance, thus closing the loan. The XXXX XXXX XXXX account remained opened and showing a balance due, so I filed a dispute with XXXX, XXXX and Experian. I also filed a credit reporting dispute directly with XXXX XXXX XXXX to indicate that they were not reporting my account as paid in full with a XXXX balance. On XX/XX/XXXX, XXXX XXXX XXXX deliberately reported inaccurate and false information to the three major credit bureaus, in which they indicated that the account was still open and had a balance of more than {$7000.00}. I received a paid in full and lien release letter dated XX/XX/XXXX, from XXXX XXXX XXXX, in which they state that the account is paid in full, has a XXXX dollar balance and that they have released the lien on the vehicle. At the same time, they were still reporting false and inaccurate information about my loan account to XXXX, XXXX and XXXX, despite their letter to me and despite the fact that my loan account had been paid in full as of XX/XX/XXXX. After trying to resolve this several times directly through XXXX XXXX XXXX and through the credit bureaus, I got no where, and my credit report contains deliberately inaccurate information about my XXXX XXXX XXXX account. XXXX XXXX XXXX is knowingly supplying the credit reporting agencies with inaccurate and false information. My loan account is closed and paid in full with a XXXX dollar balance, and it should be immediately reported to the credit reporting agencies as such.

The problem is on two sides. It rests with both XXXX and Ford Motor Credit. On the Ford Motor Credit side, they had not reported anything to my credit report since XXXX. However, I was trying to clean up my credit report and I noticed there was an unpaid debt on there from a totaled XXXX XXXX XXXX XXXX that I missed a payment on. After settling the debt with Ford Motor Credit in XXXX of XXXX, they didn't just report to XXXX that I settled the debt. They also reported that it was in a state of charge-off, which they had not reported for 4 whole years prior. This wouldn't ordinarily be an issue, except XXXX has taken it upon themselves to convince XXXX that this charge-off happened in the months of XXXX and XXXX of XXXX, which is wildly incorrect. This debt was owed for a very long time before I paid it off. There is no way it became charged-off RIGHT AS I PAID IT OFF. I have tried multiple times to dispute this with both XXXX and with Ford Motor Credit to no avail. With my last attempt to dispute this, I explained in a very detailed manner why and what was at issue to the XXXX personnel, and they said the report was updated BUT NOTHING HAS CHANGED. I have run out of options. Despite my otherwise decent credit report and attempting to do the right thing in this circumstance, the recency of this alleged charge-off has prevented me from obtaining any other forms of credit that I very much need to acquire ( an auto loan, and a debt consolidation loan- both rejected because of this erroneous and punitive charge-off entry in my credit report ).

In accordance with the Fair Credit Reporting and 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 Section2 : It also a consumer reporting agency can not furnish an account without my written instructions.

I am writing to file an official complaint against Equifax for its failure to respond and take appropriate actions following my dispute letter. On XXXX XXXX I sent a letter to Equifax to address the inclusion of alleged school loans on my consumer file, which I firmly believe to be in clear violation of several federal laws, most notably the Fair Credit Reporting Act ( FCRA ). In my dispute letter, I specifically referenced the relevant federal statutes, such as 15 U.S. Code 1681, 15 U.S. Code 1681a ( 2 ) Exclusions, 20 USC 1232g ( b ) ( FERPA ), 5 U.S. Code 552a, and 12 CFR 1022.3, highlighting the necessity of obtaining written consent before reporting sensitive information on a consumer file. Despite providing compelling evidence and supporting documentation, I have not received any acknowledgment or indication that Equifax has initiated an investigation or taken any appropriate actions. As an informed and vigilant consumer, I firmly assert that credit reporting agencies must adhere unwaveringly to the highest standards of compliance with the law. The unauthorized inclusion of the alleged school loans on my consumer file infringes upon my privacy and consumer rights in a flagrant manner. I have diligently followed the proper dispute procedures, and Equifax 's lack of response raises serious concerns about its commitment to regulatory adherence. Therefore, I urgently request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter. It is imperative that Equifax be held accountable for its non-compliance with federal laws and that appropriate measures be taken to rectify this violation. I demand the immediate removal of the disputed information from my consumer file, and I expect Equifax to diligently abide by the FCRA and all other applicable laws to ensure the accuracy and fairness of my credit reporting. Enclosed, I am providing a copy of my original dispute letter and additional documentation which I believe will be instrumental in your investigation. I have full confidence that the Consumer Financial Protection Bureau will treat this complaint with the utmost seriousness and work diligently to protect consumer rights. I earnestly await a comprehensive and prompt response from the CFPB. Your attention to this critical matter is greatly appreciated. Thank you for your unwavering commitment to safeguarding the rights and interests of consumers like me.

I am a recent college graduate looking for help resolving an issue with a fraternity I belonged to in college. The fraternity alleges I owe {$1400.00} to pay for dues accumulated during the time that I was a member. However, they are attempting to collect for a period of time during which I was not a member, and for a larger amount than was originally communicated. They are using Fidelity Capital Holdings as their debt collector. The fraternity, the XXXX XXXXXXXX XXXX XXXX of the XXXX XXXX University, has alleged that I signed a series of documents that prove that the debt belongs to me. They are stating that I signed these documents when I joined the fraternity, which was in the XX/XX/XXXX. The agreement, according to the fraternity, obliges me to pay an undisclosed and arbitrarily conceived amount of money for an indefinite period of time. I did not sign any such document, and to my knowledge such a contract is illegal. The fraternity refuses to provide me with an exact date that this alleged contract came into being, and they have for months refused to provide me with any documentation corroborating their claims. XXXX XXXX works with a 3rd party billing partner, XXXX. If a fraternity decides that they wish to move forward with a Collections procedure for an individual, XXXX initiates that process with their debt collector. XXXX XXXX reached out to XXXX and started the pre-collections procedure. In response, I sent a Letter of Debt Validation to XXXX. XXXX confirmed with me that the letter was received on XX/XX/XXXX. I have spoken on the phone with XXXX every single day since XX/XX/XXXXXXXX, when I sent the letter. Their representatives have communicated to me that XXXX XXXX do not intend to respond to the letter. There is no documentation in existence whatsoever corroborating XXXX XXXX 's claims, verifying that the debt belongs to me, or validating Fidelity Capital Holdings ' collection efforts. XXXX XXXX is a college fraternity being run by a bunch of young men ages XXXX-XXXX. They are not trained in proper or legal accounting practices, and as a result have slipped into a pattern of fraudulent debt collection behavior. Furthermore, it is a violation of the Fair Debt Collection Practices Act for XXXX to continue to collect on this account, as they did not even make an attempt to respond to my letter of Debt Validation. I did not sign ANY document whatsoever when I joined XXXX XXXX, and in the absence of any validation of the alleged debt, I ask that XXXX XXXX cease and desist collection efforts. Lastly, it has come to my attention that funds collected by XXXX XXXX and XXXX are used for illegal activities, including underage drinking, illicit drug abuse and sale, gambling, and credit card fraud. The adult representative of the chapter has engaged in lewd and salacious conduct with a young member on at least one occasion. I have ample documentation to verify this information if need be. Regarding the attached documents : 1. A representative from XXXX XXXX headquarters sent an email entitled " XXXX XXXX '' to XXXX, which they forwarded to me. 2. " XXXX XXXX XXXX '' is an email sent over the XXXX XXXX XXXX chapter email distribution list. It was sent XX/XX/XXXX and directly contradicts the letter sent by XXXX. XXXX said, " The fees currently are {$100.00}, {$200.00} and {$200.00} respectively ... these fees have been consistent for at least the past 5 years. '' This email, from the then-Chapter President, proves that the chapter has been changing the dues on a yearly or semi-annual basis, and that the amount that they charge is more than 5 times what they purport to charge. This is blatantly fraudulent behavior. According to 807 of the Fair Debt Collection Practices Act, " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. '' It continues, " ... following conduct is a violation of this section : ... ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt. Their failure to provide any proof or validation of the debt whatsoever represents a wholly false representation of the character and legal status of the debt. Furthermore, without validation of the debt, there is no way for me to check if I have already paid a portion of the alleged debt. Therefore, Fidelity 's behavior has directly led to a gross misrepresentation of the amount. Furthermore, respondent to Section 808 of the Fair Debt Collection Practices Act : 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 of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Even if you take XXXX XXXX preposterous claim as truth, that the contract I allegedly signed allowed them to decide a new amount to charge whenever they want, and for an undisclosed time period, this would be a direct violation of Section 808.1 of the FDCPA. Their claim that such a contract exists is certainly desperate, but also demonstrates their ignorance to fair debt collection practices. To be clear, I never signed any documentation when I joined XXXX XXXX. The refusal of all parties to comply with my Debt Validation Request should provide a clear indication that no such documentation exists ; otherwise they would have sent it already. XXXX XXXX, XXXX, and Fidelity Capital Holdings have consistently rejected my requests for proof of debt ; the burden of proof resides squarely with these three companies. The discrepancy between what they claim to charge and actually charge can most likely be recuperated in the cost of the above-mentioned illegal activities. In conclusion, I ask that Fidelity Capital Holdings cease and desist all debt collection efforts in relation to this account, and to permanently close my account.

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. NO CONTRACT. I HAVE NEVER HAD A CONTRACT WITH THIS COMPANY. Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. NO CONTRACT. I HAVE NEVER HAD A CONTRACT WITH THIS COMPANY. Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. NO CONTRACT. I HAVE NEVER HAD A CONTRACT WITH THIS COMPANY. Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. NO CONTRACT. I HAVE NEVER HAD A CONTRACT WITH THIS COMPANY. Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. Creditor Name : XXXX XXXX & XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF! Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF! Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF! Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF! Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF! Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF! Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF! Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF! Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF! Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF! Creditor Name : US DEPARTMENT OF EDUCATION ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF! Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF! Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF! Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF! Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF! Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF! Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. NO CONTRACT. I HAVE NEVER HAD A CONTRACT WITH THIS COMPANY. Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. NO CONTRACT. I HAVE NEVER HAD A CONTRACT WITH THIS COMPANY. Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. NO CONTRACT. I HAVE NEVER HAD A CONTRACT WITH THIS COMPANY. Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. NO CONTRACT. I HAVE NEVER HAD A CONTRACT WITH THIS COMPANY.

The following accounts are not mine, and these are fraudulent transactions of identity theft. 1. XXXX XXXX XXXX original creditor - XXXX XXXX- {$360.00} Date XX/XX/ 2. XXXX XXXX XXXX original creditor XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Amount - {$6500.00} Date - XX/XX/ 3. XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Amount - {$690.00} Date - XX/XX/ 4. XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Amount - {$1300.00} Date - XX/XX/XXXX XXXX XXXX XXXXXXXX

Debt was originally incurred in XX/XX/XXXX or earlier over 14 years ago. This collection agency claims they acquired the debt in XX/XX/XXXX at which time the debt would have been over XXXX. Statute of limitations has expired. I do not owe this debt to XXXX Bank!

I have a XXXX XXXX account that was paid in full due to a court order garnishment. On my credit its showing as a charge off. I have Submitted the court ordered supporting documents and the corrections were not made.

I have banked with Wells Fargo for approximately XXXX. During the course of time I've experienced fraud in my account on numerous occasion. I reached out to the bank making them aware of the fraud, unexplained errors e.g. ( errors stated I sent funds to someone I hadn't ), charges from unknown vendors, double charges from purchases. it was through these means that funds were syphoned out of my account over the course of years. Complaints filed were mishandled, and ignored by bank employees. I was told that the situation would be investigated only to have nothing done in the end.I received a lump sum from life insurance proceeds, which was meant for my family to survive on. I have a XXXX XXXX which makes working a regular job difficult. When my husband passed away these funds were meant to assist my family with daily living expenses. The theft of these funds have theft of these funds has disadvantaged my family greatly. My Wells Fargo Bank account records does not reflect accurately the amount of funds deposited into the account. Wells Fargo have refused assist with this situation for some time now. Approximately XX/XX/2021 I spoke with someone in corporate who denoted the theft and hung up the phone on me. I would like a thorough investigation concerning the whereabouts of funds missing from my account. XXXX XXXX

I was involved in a motor vehicle accident and had to receive an XXXX of my XXXX and XXXX. I provided my health insurance information to XXXX XXXX XXXX. The insurance company previously approved the treatment. After I completed all my treatment, I went through the subrogation process and reimbursed my health insurance company. I recently received a letter dated XX/XX/XXXX from Frost-Arnett attempting to collect {$4400.00}, which is about {$3000.00} more than the contracted rate for the service I received. I contacted the collection agency whom stated it was never filed with the insurance company. I spoke with a representative at XXXX XXXX XXXX, the billing company for XXXX XXXX, whom stated there's nothing she can do because it's been sold to a collection agency. Frost Arnett wants the full amount and refused to file the bill with my health insurance company, and/or reduce the amount to the contracted rate.

I haven't been working for a couple of years due to XXXX XXXXXXXX, and since I am recovering. Thinking about returning to work by XXXX ; hopefully, all goes well. I decided to check my credit report in order to know my credit scores before applying to a company based on a human resource expert 's advice. After reviewing my reports, I realized these inquiries that I didn't authorize on my credit reports. I called two of the bureaus, but couldn't get through because it takes longer than I expected. I decided to immediately file a fraud report because it was fraudulent. It wasn't authorized by me and I have no clue why. These are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

In accordance with the fair credit reporting act this creditor " Toyota Motor Credit '' has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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.

Hi my name is XXXX XXXX, I am sending you this message in regards to my credit file. I received disturbing news that I have been a victim of identity theft. It comes to my attention that looking over my credit file that your company made several errors along with DEPT OF ED XXXX & XXXX XXXX. I have clue as to what is DEPT OF XXXX XXXX not XXXX XXXX. I am disputing both accounts as fraudulent and I would like for you to perform an internal dispute. I am not liable for the erroneous actions that your company has taken upon my file, I have attached a letter along with some documents in the attachment area. If this situation isnt resolved professionally, investigated internally as a dispute, and a new credit report with the removal of the errors your company added to my credit file. Please read the letter in the attachment area.

On XXXX XXXX, XXXX, I contacted American Express to dispute a charge in the amount of {$9200.00}. Such charge was related to a purchase that I made on XXXX XXXX, XXXX using my American Express Card ( for which I am a 21-year card member with a perfect payment history ). The subject {$9200.00} charge served as an up-front deposit for the purchase of a product to be designed and installed for me by a vendor, and pursuant to the terms and conditions of a written sale agreement. My willingness to make the {$9200.00} up-front deposit payment to a vendor that I had no prior relationship with was based solely on the assurances that I received from an American Express customer service representative prior to making the payment ( such assurances were provided to me verbally on XXXX XXXX or XXXX XXXX, XXXX, and American Express has acknowledged that they possess a recording of such conversation ). Despite providing ample evidence to American Express of the vendors failure to honor the terms of the sale agreement, American Express has failed to honor the specific assurances of dispute protection that were given to me by American Express customer service prior to my agreement to enter into the now disputed transaction. Again, it was such assurances from American Express on which I relied on when deciding to make the sizeable up-front deposit to a vendor with whom I had no prior relationship. Between XXXX XXXX and XXXX, XXXX, I attempted to resolve the disputed charge through American Express dispute resolution process, including providing more than 40 pages of written evidence to American Express outlining the vendors failure to honor the terms of the sale agreement ( and despite my numerous offers in writing granting the vendor the opportunity to rectify the situation ). Despite providing such evidence to American Express, as well as American Express acknowledgement of my phone conversation with the American Express customer service representative ( prior to making the disputed charge ), American Express concluded on XXXX XXXX, XXXX that ( 1 ) they will not remove the charge from my account balance, ( 2 ) that such amount would be due and payable on my XXXX, XXXX invoice, and ( 3 ) that my only course of action was to pursue recovery from the vendor. Despite my vehement disagreement with American Express decision, I have since paid the {$9200.00} amount to American Express in order to maintain my perfect payment history. American Express has indicated that they will not release the audio recording of my conversation with the American Express customer service representative ( occurring on XXXX XXXX or XXXX, XXXX ), and that I would need to obtain a subpoena in order to obtain such recording. Furthermore, during the dispute process, American Express refused to allow me to discuss my dispute with a representative in their dispute resolution group, indicating that individuals in such group do not speak directly with customers ( and requiring that information only be submitted in writing ). These are just two examples of how American Express refused to cooperate in resolving my dispute, which I firmly believe is due to their assumption that collecting the {$9200.00} amount from me would be far easier than collecting such amount from the vendor. In summary, I believe that the information that I provided to American Express clearly reflected the vendors failure to honor the terms of the sale agreement governing my purchase of the product, and that I made multiple attempts to allow the vendor to complete the transaction, which the vendor refused to take advantage of ( and in effect, abandoned the transaction ). As a result, the vendor is not entitled to the {$9200.00} amount previously paid to them using my American Express Card, and the charge should therefore be reversed. In addition, I believe that American Express failed to honor the assurance of dispute protection conveyed to me by American Express prior to my decision to enter into the transaction with the vendor, and on which I heavily relied. Without such assurance, I would have never made such a sizeable up-front payment to a vendor that I had no prior experience with. It is because of American Express failure to cooperate during the dispute process, and to stand behind their assurance of dispute protection, that I have decided to elevate this situation to the Consumer Financial Protection Bureau ( CFPB ). Beyond the outcome of my dispute, I would respectfully request that the CFPB look into the process by which American Express responds to its customers in connection with disputed charges, in order to ensure that future customers are not treated as unfairly as I was. I would also respectfully request any assistance that the CFPB can provide me in obtaining the audio recording from American Express of my XXXX XXXX or XXXX XXXX, XXXX conversation with their customer service representative ( during which the assurances of dispute protection were verbally conveyed to me ). I make this request as it places an extremely unfair financial burden on the consumer to be required to file litigation against American Express in order to obtain a subpoena for such evidence. Thank you very much for your assistance, and I look forward to your response.

It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

XXXX XXXX ( plaintiff ) and XXXX XXXX ( accused ) entered into a mutually agreed upon written contract for the renovation of the property located at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX on XX/XX/XXXX. The accused made a written promise ( contract ) to renovate the above mentioned property within eight ( 8 ) weeks for a total sum of XXXX XXXX dollars paid to him at predetermined intervals of two weeks. The accused not only failed to deliver on his contractual obligations, he resorted deceits and series of lies and false statements ( please see XXXX text messages screen shots attached on the accompanying USB flash drive ) regarding the state and the progress ( or lack thereof ) of the renovation on the property in question. By XXXX of XXXX, the accused had also received the full payment ( construction loan draws ) with very little work complete with no end in sight. Furthermore, the accused fraudulently induced payment which were NEVER applied toward the purpose it was demanded for. The series of deceits continued and the plaintiff was left with no choice but to seek legal help. A Notice of Default and Demand to Cure was sent to the accused and was given a months time to fulfill the contractual obligation. The accused failed to comply with the Notice of Default and Demand to Cure and was sent Notice of Termination of Construction Contractii with instructions to account for and return the unused portions of the construction trust fund under his fiduciary custody. The plaintiff not only failed to comply with both notices, he is now attempting to circumvent his fiduciary obligations by filing for chapter XXXX bankruptcy. By XX/XX/XXXX of XXXX, the renovation work at XXXX XXXX XXXX XXXX, XXXX Texas XXXX was in an unfinished state and the accused is in possession of funds despiteseveral requests and notice from the plaintiff to the accused to cure and or to return unused funds. Accused also failed to mention his fiduciary obligation in his bankruptcy court filing, he has attempted to deceive the court by surreptitiously and obscurely mentioning just the law firms name and an obligation of {$0.00} on Schedule E/F Part 2 4.45 as a NONPRIORITY Unsecured Claim. Accused violated several sections and articles of multiple Texas statutes and Title 11 of the United States Code which are described and referenced in detail on the accompanying USB flash drive. I have suffered massively due to this criminal act. I am also trying to have this information displayed on credit bureau 's websites and for them to share this information with inquirers but they have not complied so far. I am requesting CFPB to force them to share my story as well.

Equifax has failed to act on multiple documents sent to them via CFPB as well as their online dispute services. I have sent a letter from the Creditor XXXX as well as a FTC Report. I am requesting immediate removal of these unauthorized inquiries.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Navient is still reporting a past due amount on their website and trying to double collect on agreed upon student loan for settlement with the collection agency XXXX, XXXX, XXXX XXXX. In the following attachments you can see the settlement with XXXX, XXXX, XXXX XXXX. You can see the payments reflected in the payment history in the second attachment and how Navient is trying to claim a past due amount. You can see in the third attachment the loan is still showing up for payment on their website even though they said after 2 payments it would be taken down. Two payments would have been XX/XX/2018 and XX/XX/2018 so by XXXX according to them the loan would no longer be showing as past due. I spoke to Navient in XX/XX/2018 after reaching a settlement with XXXX, XXXX, XXXX XXXX. I spoke to them in XX/XX/2018 where they re-assured me the payments would be reflected accurately on their website. In addition as of XX/XX/2018 I can no longer make payments online to XXXX, XXXX, XXXX XXXX as I have been doing since XX/XX/2018. According to XXXX, XXXX, XXXX XXXX Navient won't allow it. So I can only make telephone payments through XXXX, XXXX, XXXX XXXX with no confirmation number to show proof the payment went through. Instead I have to check back later that the payment posted both in my bank account and on XXXX website. This is absurd and an attempt to prevent me from making payments correctly and on time so they can try to trick me into violating our agreement. Navient is making payments difficult via telephone only no confirmation number payments through XXXX, XXXX, XXXX XXXX, Navient is trying to double collect payments on their personal website while showing the account is past due despite a settlement being reached, and Navient is not accurately reflecting the agreement that was reached via their collection agency XXXX, XXXX, XXXX XXXX on Navients website and has not updated it or removed as they promised in XX/XX/XXXX and XX/XX/XXXX to do so after 2 monthly payments through XXXX, XXXX, XXXX XXXX.

Debt was paid in full. Debt is still being reported as negative on credit report.

I have disputed the late payments on XXXX XXXX XXXX XXXX account for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report. ( Copied from AFFIDAVIT** )

In XX/XX/XXXX I wrote a Goodwill Request for Removal for late payment reporting for XXXX. The account was closed by XXXX in XXXX. I remitted all balances due despite XXXX, XXXX, and a death of family membet I was told in XXXX it had been investigated, the late payment history reportingwould be removed within 2 business cycles. I called in XXXX and XXXX and informed it was being processed. It never occurred. In XX/XX/XXXX I received a denial letter from XXXX This is an absolute disgrace when I was assured verbally three tinws on a recorded line it woyld be completed due to Medical and Goidwill gesture. It is documented XXXX have extended this to others despite their form letter.