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aciborowska

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I sent my self funds to my Fulton Bank ET AL account XXXX from my bill pay at XXXX XXXX. XXXX md sent check out XX/XX/2020 with a date of XX/XX/2020 as the latest date for check to be received & at Fulton Bank ET AL. I have utilized Fulton Bank ET AL 's online message center and have sent them MORE then 4 messages seeking for the XXXX XXXX bill pay check to my self to be credited with NO RESPONSE from Fulton Bank ET AL. I have encountered other problems with Fulton Bank ET AL during the Time I have been seeking to have my XX/XX/2020 check from XXXX XXXX for {$20.00} posted to my account ending XXXX PLUS INTEREST for their error. I have even send them a screenshot from my online ( internal ) message to XXXX XX/XX/XXXX in attempts to get proof Fulton Bank ET AL received & cashed this same check. I have enclosed copy of the check. XXXX XXXX is fully aware that the account numbers to be paid/deposited into is NOT PRINTING on their bill pay checks. Yet with this fact being FULLY DISCLOSED TO FULTON BANK ETAL, THIS DOES NOT RELIEVE THEM OF THEIR CULPABILITY NOR LIABILITIES NOR DIMINISH MY RIGHTS, IN ANY WAY SHAPE FASHION NOR FORM, WITHOUT TIME LIMITATIONS. In one of my online messages thru Fulton 's online banking message I asked about two issues, 1 being this XX/XX/2020 check from XXXX XXXX to myself sent to Fulton, 1 issue regarding pending electronic check deposit for my auto insurance. Fulton 's representative addressed my auto insurance pending electronic deposit and TOTALLY & COMPLETELY AVOIDED THE XX/XX/2020 CHECK FROM MYSELF AT XXXX XXXX TO MYSELF AT FULTON BANK ET AL DATED XX/XX/2020. I AM ENCLOSING WITH THIS COMPLAINT PROOF FULTON BANK RECEIVED AND CASHED MY CHECK FROM XXXX XXXX & PROOF FULTON BANK ET AL 7 HAS NOT POSTED THE FUNDS TO MY ACCOUNT ENDING XXXX. Their app for online from my mobile device NEVER SHOWS any messages SENT TO FULTON BANK ET AL.!!

The credit bureaus continue to report inaccurate items on my credit report after their investigation. Im attaching supporting documentation with all the information

Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent XXXX attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. -D/B/A XXXX XXXX

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : there is a claim that i am currently late which is inaccurate. They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. Company : XXXX XXXX XXXX acct # XXXX They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. XXXX XXXX XXXXXXXX claims im 30-59 as of XXXX late this is inaccurate. XXXX XXXX claims i am late 60-89 days this is inaccruate They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 2. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. Company : XXXX XXXX XXXX acct # XXXX They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. XXXX XXXX XXXXXXXX claims im 30-59 as of XXXX late this is inaccurate. XXXX XXXX claims i am late 60-89 days this is inaccruate They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

I submitted XXXX dispute investigations to Transunion Credit Agency regarding my XXXX XXXX Account and XXXX account and I request how the account was verified and i never get back the proof on how the account was verifiyed nor do I received a copy of my signature on the original document so I can confirm this account is infact mine. XXXX and XXXX both deleted the XXXX accounts as they said they were unable to produce what I requested and Transunioon no matter how many disputes I send I never receive the information I request nor does the account update on my credit report.

My husband lost his job around the same time my hours were cut at work a year or two ago. I had 4 credit cards at the time. Due to English being my second language I ask my husband for help with taking care of our credit card debt. He made multiple calls to each credit card companies explaining our situation in detail. We asked for any forgiveness and if there could be any payment plans we could take on until we were back on our feet. With XXXX children we are pretty maxed out when it comes to paying all the bills with just one salary. None of the credit card companies would work with us in any way. Eventually my accounts were sent to collections when we could not meet the monthly minimum. Again tried calling the card holders and was completely shut down saying there was no arrangements that could be made. My husband and I both now have full time jobs and are moving in a great direction. However my credit score still suffers from a tough time in our lives when we had little to no control of what was happening in our careers. I complain simply because I did everything in my power to make things correct with these creditors and avoided bankruptcy at all costs. My credit score should make it aware that i do my best to make sure my bills are paid on time and to the best of my ability

My car has been paid off since 2017. I'm in the process of selling it, when I noticed that KIA still is on the registration. I have contacted them numerous times about sending me a title release, and I get excuses that the fax machine is down, etc. I get told that it takes XXXX days to have this faxed to me.This has been ongoing for XXXX weeks now. I have escalated to talking to two supervisors. I call everyday, as I need the release to sell my car. This is costing me a deal if I can not get the title release in time. I am selling my car because they did not honor the warranty after saying they would. Instead, they offered me a " killer deal '' on a new car. I really liked my car and had no plans to sell it, but now I have to look for a new vehicle.

I am writing this complaint to correct a billing error on my Cashback debit card. A charge of {$1400.00} was made to my Cashback debit card account on XX/XX/XXXX. The charge is in error because I did not authorize the transaction and notified Discover promptly of the unauthorized charge. I received a letter dated XX/XX/XXXX stating that they determined the transaction was valid because : 1. " Transaction ( s ) completed with PIN with no prior PIN failures 2. " No history of PIN being changed recently '' 3. " Transaction ( s ) do not indicate fraudulent activity '' This makes no sense as someone clearly accessed my information without my consent. It appears Discover just replied with a generic letter with no consideration with the issue. I allege there must be some form of fraud protection on my card to protect me from unauthorized charges. Discover also stated that they would be reversing the provisional credit provided. I'm unsure how someone was able to use my pin I'm stressed out over this. It's causing me a huge inconvenience. Please correct the issue and correct the error of the unauthorized charge it's causing me a great deal of stress because I never authorized the transaction. I've done everything in my power to address the situation promptly. Please correct the error on my account promptly.

In accordance with the Fair Credit Reporting Agency Act XXXX, XXXX XXXX XXXX XXXX : 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 with my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end customer credit plan as late for any purpose.

XXXX Account # : XXXX XXXX Account Number # : XXXX XXXX Equifax is the only credit Bureau who Is still violating my rights and reporting false and inaccurate information on my credit report. There is an account that was reinserted on my credit report without written notification of reinsertion, This is the first Violation. The second violation is that on my credit report, the account is a collection/Chargeoff account showing Date Last Active - XX/XX/XXXX but it shows I made payments the whole year for XXXX and the whole year in XXXX. third violation - The account is showing a Balance due of {$1900.00} on a closed/collection/Chargeoff I have filed several disputes with Equifax and they are just using the eOscar system to verify this account instead of a proper investigation. XXXX Account Number # : xxxxxxxxxxxx XXXX

On XXXX XXXX I mailed a certified letter to Navy Federal, concerning an auto loan. The loan # XXXX. The car was involved in an accident, and the car was a total loss. The insurance company paid {$13000.00}, Now Navy Federal is saying that the balance of {$4000.00} is due on the loan. I disagree, I read 15 USC 1605 ( a ) ( 5 ) Determination of finance charge. According to this law it states in the finance charge there a Premium or other charge for any guarantee or insurance protecting the creditor against the obligor 's default or other credit loss. I want want Navy Federal to use the insurance included in my finance charge as stated in the law. As of today I have not had a written response from Navy Federal. I requested all correspondence to be in writing. I requested no adverse action be taken against me while this matter is being disputed. On XXXX XXXX, Navy Federal transferred {$320.00} from my checking account to put on the auto loan. That was adverse action taking money from my account. I have a right to get the questions answered that i asked. I still have not heard from Navy Federal.

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

On XX/XX/26, I received 5 letter 's from JP Morgan Chase, NA, advising that they were going to close 7 of my accounts. When I asked why, I was told that they didn't have to give an explanation because of a clause in the account application that allows the bank to do that. A search for reasons and similar situations on the internet and through personal contacts revealed various reasons for an account closure, but other than the facts of account inactivity, one turned out to be a XXXX XXXX XXXX credit card that had never been used, and 2 that are just old accounts that contain funds, but had no recent transactions. Of the remaining 4 accounts, ( 2 checking / 2 savings ) all are active. There are no red flags that I can see. There haven't been any strange or sudden deposits, withdrawals, or over drafts. Two of the accounts are over XXXX XXXX XXXX, while the other 2 are only about XXXX years. I think that it's important that I be given a reason why they took this action. Without an explanation I'm unable to tell if they are working with accurate information. And without knowing if inaccurate information is being circulated how can I go about getting it corrected.

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$610.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX # XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

I am writing about the company called Zwicker & Associates, a debt collector located in XXXX, MA. I live in MA also and when my daughter was at XXXX XXXX I took out a MEFA loan for {$3000.00}. I fell behind because of a XXXX and was unable to keep up the payments. The loan was given to Zwicker and I have been paying {$100.00} a month to them for a couple of years. I asked them for a statement and received something that did not clearly tell me how long I will be paying this bill. I am helping my daughter by paying this bill, because I signed for the MEFA loan and she already pays about XXXX a month for her loans. I arranged with Zwicker & Assoc. to have automatic withdrawal at or near the XXXX of each month. I understand that I agreed to pay my MEFA loan of {$3000.00}. As I have been paying on this debt for two years at least, I should have paid {$2400.00} by now. I would like to have a written statement telling me if there are added costs that disallow me from having this debt paid in full in the next six months. Thank you for your help with this matter.

This was a bill from a workers comp claim. I been trying fight this for a year I need this resolved ASAP this has been in my credit report since XXXX. My lawyer has contact your agency.

I got emails from these companies and noticed that my credit file was locked at the time of these inquires. I tried disputing this with both companies as well as the credit bureaus. They keep referring me back to each other. I havent had an inquiry on my account since 2021.

The {$220.00} debt is related to a XXXX, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, ( XXXX ) XXXX ), who I previously saw for medical care, but stopped seeing in XXXX. In XX/XX/XXXX, I was admitted to an XXXX XXXX XXXX XXXX XXXX and I began seeing the XXXX XXXX XXXX at that facility. XXXX XXXX and I did not have a standing, recurring appointment arrangement. Every time I visited for an appointment, we would schedule the next appointment before I left the office. I cancelled my XX/XX/XXXX appointment because I was in rehab and seeing a XXXX XXXX. XXXX XXXX then booked ongoing appointments every 3 months for me in XXXX without my knowledge or consent. The {$220.00} debt, which has now been sold to a debt collection agency ( XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX Phone : ( XXXX ) XXXX ), is related to the appointments booked for me without my consent. I can not be charged fees for missing appointments that I did not schedule. I originally attempted to settle the issue with XXXX XXXX in XXXX, but the office refused to accept that I did not schedule the appointments and I do not owe the debts. I have since made 2 attempts to dispute XXXX 's report on my XXXX credit report, but XXXX and XXXX refuse to accept that I did not schedule the appointments and I do not owe the debt.

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 11. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 13. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

I took a trip to XXXX in XXXX. The hotel placed charges on my credit card that did not belong to me and when I contacted them about the issue, they confirmed in writing that the charges were for another couple. I disputed the charge with Capital One and provided that letter as well as the correct billing for my room and services which were paid for using another credit card, however, they claim that I did not provide them with the documentation that they requested and that they would be reapplying the charges that belong to another traveler to my credit card. This amounts to fraud on the part of the hotel and it is being sanctioned by Capital One. I need to know what my options are to receive a refund and to stop these fraudulent charges to my credit card.

My husband was given the advice to submit paperwork via EMAIL to XXXX XXXX XXXX . He was asked to include his XXXX tax returns which includes my social security number, My XXXX children 's ' social security numbers and his social security number. In the title he was to provide his social security number and his full legal name. IE XXXX XXXX XXXX . ( not real number s or names ) In addition to the application that was required to submit the income based repayment plan. I called the customer service team and verified that this was standard language that people " XXXX '' submit these with this information. And that using an UNSECURE method such as email is an acceptable form. They then proceeded to tell me that if I do n't feel comfortable I can submit via fax or online. Both of which are much more secure My complaint is that the advice NelNet servicing is giving to email with all of this sensitive information is setting their lendee 's into a possible risk for sniffing and having their information stolen. This is a pseudo government entity to service loans. I do not believe they are giving their customers proper advice to keep their identity or their families secure from would be thieves. Regards, Concerned NelNet Customer

There was inquires from Suntrust Auto Dealer on XX/XX/2017 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help

On XX/XX/2021 I was charged {$1200.00} that I did no authorize. So I submitted a claim like anyone would do. The merchant involved is XXXX. I waited for a temporary credit that never came instead on XX/XX/2021 I got an email basically saying my case was closed & no further action would be taken. I was stunned and still am. I tried to call in to speak to claim services however nobody would tell me anything. So now Im here trying to bring justice to whom ever used my card information at XXXX. This really put a damper on me and my family. I already make around minimum wage... now my account is in the negative {$720.00}. So I ask that someone please get to the bottom of this and make things right. Thanks XXXX XXXX XXXX number ; XXXX Entities involved ; Bank of America XXXX XXXX XXXX

According to my most recent credit report, XXXX is currently reporting to Transunion that I applied for credit/loan with their organization on XXXX XXXX XXXX. I did not grant you authorization to review my credit report, nor did I apply for credit or a loan. This will be the 6th time, I have reached out to you to inform you of this. I reached out via us mail on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND NOW ON XXXX XXXX XXXX The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found, please remove the inquiry from Transunion credit bureau. The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

Under a settlement filed today, Equifax agreed to spend up to {$420.00} XXXX to help people affected by the data breach. If you were affected by the Equifax breach, you can't file a claim just yet. That's coming. But you can sign up for FTC email alerts about the settlement at ftc.gov/XX/XX/XXXX. I have contacted them on numerous occasions about these Fraudulent INQUIRES and I see why they XXXX getting sued. When people call about INQUIRES they don't do a XXXX XXXX XXXX XX/XX/XXXX. I didn't apply for nothing

Noticed several accounts that I have never done business with on my credit report. They list as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I believe these accounts have been obtained fraudulently.

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023

XXXX XXXX XXXX XXXX XXXX did not approve the XXXX XXXX that I purchase when buying the car this was the reason for giving back the car. I had contacted numerous times to receive help and none was given. I took the car to 2 different mechanics and XXXX XXXX did not approve but said they would when they received an estimate/ they never approved or replied about the warranty or estimates that were sent. They also told me they had sent out a check for the repairs which was a lie and deceitful.

I have recived harassing phone calls about debt to an apartment complex that I have paper work for stating I do not owe an money. They call my phone all day harassing me and even at work threatening to take me to jail. I have sent in proof that I do not owe this money and they still call and refuse to take it off my credit. Hunter and warfield is the creditor

This is to ask BB & T Consumer team to remove hard inquiry recorded on my equifax on XX/XX/XXXX there is issue happened you guys pulled my credit twice for approval credit card application XX/XX/XXXX AND XX/XX/XXXX So i'm ask to remove it from my credit buearu i'm valued customer with BB & T i have active checking, busniess, credit card acounts checking edning XXXX XXXX XXXX credit ending XXXX

XXXX XXXX XXXX recently placed a collection on my credit report. They sent me an itemized list of my minor childs medical procedures from 6 1/2 years ago stating that money was owed on a medical debt. The letter did not include a HIPPA release form nor was authorization given to share my minor childs medical records. This is a clear violation of HIPPA laws and they did not produce a HIPAA release form with the itemized receipt that was mailed to me. How did they receive my minor childs health records without my permission??? Both my minor child and my HIPAA rights were violated and I demand the deletion of this debt immediately or I will take legal action.

I applied to refinance my mortgage and i was told by the mortgage company that there was an open dispute on my Citibank Costco Visa account on all 3 of credit reporting agencies. I have called Citibank 4 times including today and spent a lot of time to get this straightened out. They keep passing me to extensions that do not pick or return messages. I spoke to someone today who told me i had to get it fixed myself with the credit reporting agencies. I said no and told him it was their mistake and they need to fix it. He said he would fill out a report and someone will get back to me within 30 days. I said that was unacceptable since my mortgage can not go forward until this issue was fixed and he said that was the best he could do.

I PULLED MY CREDIT REPORT AND I NOTICED ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT MINE AND UNAUTHORIZED. I FILED A POLICE REPORT IN XXXX XXXX, NV, AND I FILED A COMPLAINT WITH THE FTC. I AM A VICTIM OF FRAUDULENT INFORMATION. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING UNAUTHORIZED INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE MISINFORMATION CAME TO TAKE PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY PERSON/PERSONS/OR ENTITIES THAT MIGHT BE RESPONSIBLE. I HAVE NOT RECEIVED ANY MONEY, GOODS, OR SERVICES AS A RESULTS OF THE DISPUTED MISINFORMATION XXXX XXXX CREDIT CARD ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT. IM ASKING EQUIFAX TO REMOVE THIS ACCOUNT IMMEDIATELY. DATE OPEN XX/XX/XXXX. INQUIRY : XXXX XXXX XX/XX/XXXX INQUIRY : XXXX XXXXXXXX XX/XX/XXXX INQUIRY : XXXX XXXX XXXX XX/XX/XXXX INQUIRY : XXXX XXXXXXXX XXXX XX/XX/XXXX INQUIRY :

This letter is to inform you that I am requesting verification of this debt or any subsequent debt naming BANK OF AMERICA/XXXX XXXX ; In fact, I am emphatically demanding that you provide full disclosure including the information listed below to satisfy my verification requirements. A certified copy of the original contract that BANK OF AMERICA has with XXXX XXXX. A certified copy of the contract between BANK OF AMERICA. and XXXX XXXX demonstrating the purchase of the alleged debt including any and all costs related thereto. Certified copies of all records and a full accounting of the account referenced in your letter as ACCT. # XXXX including but not limited to all records from BANK OF AMERICA . ( being the orig creditor ) demonstrating that a valid debt exists. Certified copies of all business licenses including licenses required by the STATE OF FLORIDA to conduct business in FLORIDA. A complete list of all officers of BANK OF AMERICA with complete contact information including, but not limited to, full name, title, direct mailing address, direct phone number ( s ), fax number ( s ) and email address. Providing a link to a website is not acceptable. An affidavit signed Under Penalty of Perjury that BANK OF AMERICA or any agent ( s ) acting on their behalf has not violated any portion of the FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). Certified copy of all Public Hazard Bond ( s ) and/or Liability Insurance Policy ( s ) and accounting demonstrating financial capability of BANK OF AMERICA This is an attempt to bring an action in court. Anything said or written will be used against you. VALIDATION DEMAND Proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, an Insurance Claim or selling the purported debt to third party debt collector. Prove that BANK OF AMERICA is the creditor of this purported debt. This completed DEBT COLLECTOR DISCLOSURE STATEMENT, which if ignored and which by not completing, prohibits you from further collection or contacting me. You have now been subject to {$1000.00} violation, and per RICO statutes, tenfold that amount which is {$10000.00}. Unless you provide the information listed above within ten ( 10 ) days after receiving this letter, this debt will be deemed invalid and further collection attempts will be considered a criminal activity attempting to extort monies. A criminal complaint may be filed against BANK OF AMERICA with various legal entities including, but not limited to, the Federal Bureau of Investigation ( FBI ) and the Internal Revenue Service Criminal Investigation Division ( IRS CID ) to investigate the possibility of criminal activity including, but not limited to, violations of the FAIR DEBT COLLECTIONS ACT. To further substantiate the claim that BANK OF AMERICA may have, do not hesitate to provide the information requested within the time frame allotted to settle this matter as quickly as possible. You may contact me only when providing the required information listed above ; Any other communication attempts will be considered to be further attempts to criminally extort monies and will be reported accordingly. Please note that in the event of any legal action you will be required to provide the original ( s ) of all documents which include wet ink signature ( s ) at any hearing ( s ) commencing from these communications ( or lack thereof ). Also note, that selling ( or otherwise transferring ) this account [ debt collection attempt ] prior to validation may constitute fraud and may result in a federal criminal complaint under the Racketeer Influenced and Corrupt Organizations Act ( RICO ) listing BANK OF AMERICA as conspirator. Notice to Principal is Notice to Agent Notice to Agent is Notice to Principal. Silence is acquiescence. Acquiescence is estoppels. Sincerely, XXXX XXXX XXXX ALL RIGHTS RESERVED cc : BANK OF AMERICA ( orig creditor ) file

I received 2 notifications of hard inquiry from 2 different companies which I did not do. XX/XX/2021 XXXX XXXX XXXX and XX/XX/2021 XXXX XXXX credit.

I have sent letters to all 3 bureaus and still I have these unrecognized items on my account. No documentation has been received and additionally they are reporting completely different things within date last active, last reported, date opened, and high credit amount. This is nearly half of the items being reports. Please delete these items. XXXX : Account number : XXXX, XXXX reported dates should be the same per bureau. XXXX is showing a Last Reported date of XX/XX/2022, XXXX showing XX/XX/2022, and Equifax is showing XX/XX/2022. Moreover there are discrepancies with Date Last active where all dates are inconsistent. Date Opened is different between XXXX and Equifax / XXXX. High Credit Amount is different between Equifax and XXXX / XXXX. Due to me not recognizing this account and not having any documentation with the account, please delete this account. XXXX XXXXXXXX : Account number : XXXX, Each bureau is showing a different Date last active. Date Last Active is showing XX/XX/2022 for XXXX, XXXX is showing XX/XX/2022, and Equifax is showing XX/XX/2022. These are all in complete different months. Lastly, there are discrepancies with Date Opened, and Date of Last Payment. All of these items should be the same, please delete this or fix it and show me documentation that this account exists.

On XX/XX/22 several checks from a JP Morgan Chase Bank were mailed from a USPS collection box outside the main branch of the XXXX, XXXX post office. On XXXX I discovered taht the check was fraudulently altered and deposited into another account. I filed a police report, notified the US Postal Inspection Service, and Chase. I placed a stop payment order on all missing checks from that mailing. Despite being alerted to fraud, and a stop payment order, A second fraudulently altered check was presented and honored by Chase. After the fact, Chase advised that they did not stop payment because the check number and check amount of the original check did not match the check presented. Since this time, Chase has refused to say if they will return the funds, and have said it is the responsibility of the depositing bank XXXX XXXX XXXX XXXXXXXX ) to return the funds. After two months I still have no idea if I will ever get any of my funds back. Chase 's use of " stop payment '' is deceptive and offers no protection, as I placed a stop payment and they honored a fraudulent check with an altered payee and amount. I find this outrageous.

I submitted a request for a follow suit on a collections account. I sent the information to Experian and the collection account came back verified through Experian. When XXXX attempted to verify the debt they couldn't so they in turn DELETED the account. There would be no way one could verify the account and the other can't. This does not provide for MAXIMUM POSSIBLE ACCURACY WITH MY REPORT.

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

I lost my job and do not have an income at the moment. I am still waiting for unemployment to start being paid and the amount will be minimal when it does. I called Honda Financial on XX/XX/2023 around XXXX to see if they had any options for assistance such as a deferment. I was placed on a brief hold and then the rep, XXXX, advised that I was not eligible for anything because I didnt have an income and because I would have to pay late fees. I explained I am doing everything I can to get an income and need some assistance, if I had a job I would not need assistance. I have had my car for 2 years and have not received any assistance so I am not a repeat offender or anything. I pay my payments within the month they are due and I have not been 30 days past due at any time.the rep did not care and was rushing to get me off the phone. I asked for a supervisor and was told this is not a supervisor issue. I advised the rep it is my right to speak with a supervisor and he again did not care and was trying to hang up. He then placed me on hold for an excessive amount of time I assume to try and get me to hang up. He refused to provide me with any information on a hold policy, the name of his supervisor, and did not have any information on where I could file a complaint or send written correspondence for research. All I need is an extension or deferment and at this point I feel they want me to fall past due so they can repossess my car since they are clearly not interested in working with me or the well being of their customers. This is very predatory.

For all three credit bureaus, my 8 active loans with Dept of Ed/Navient are reporting as 90 days late for the month of XX/XX/2018. Previously, the accounts were showing as late for XXXX, XXXX as well, however the bureaus received receipt of my deferment and updates the information. The inaccuracy is that my deferment has been effective since XX/XX/2018, therefore no single account should have any late payment history as no payments are due when the account is in deferment. When contacting the credit bureaus, the response I get is that Navient has to update the information. When contacting Navient, I am told that the bureaus can see the date effective on the deferment and should update my reports accordingly.

I opened an account with Current to be able to give my teens an allowance on a debit card. This is a service I paid for. I set up my account with my regular bank account and debit card. The debit card expired and the bank account kept saying I had to reverify to work. It wouldn't reverify. So I contacted Current 's customer support. They kept telling me to just reverify. Well, that was the whole reason I contacted them. Then they manually removed my bank account for me to re-add it. Now it can not be added at all, and they won't add a new funding source in the form of a debit or credit card. So I have paid for a service that they are not providing.

XXXX/XXXX has failed to provide me with any documentation showing that the original credit amount in XXXX of {$50.00} ( according to Experian report ) to the questioned account after it was first requested. I have never received any invoices/bills at any time when the first amount was reported to Experian in XXXX or any billing cycle since that time. I reported the issue to Experian on XX/XX/XXXX as to having no knowledge of charges to the account nor do I have any knowledge of setting up this account. Experian responded with the information shows accurate and that I should contact the creditor XXXX/XXXX directly. I sent a letter certified mail on XX/XX/XXXX to XXXX/XXXX requesting they either remove the negative report from my account and/or send me copies of bills/invoices showing charges and how this original {$50.00} dollar credit came about, where the billing address is that was reported on the account, and what store the account was opened at. On XX/XX/XXXX XXXX/XXXX responded that they reviewed my information and that it shows accurate and to contact one of the credit agencies. They specifically ignored my request in the certified letter sent to them asking for the documentation on the account. XXXX/XXXX in response to my letter, instructs me to contact the credit agencies such as Experian. Had XXXX/XXXX really looked into this account as they stated in the letter, they would see Experian is aware of the issue and referred me to XXXX/XXXX for further help. I previously asked XXXX/XXXX to send all documentation including copies of bills listing items purchased, address original bills had been sent to, original account opening documents and the store/facility location that this account was opened at. I have disputed the situation with both Experian, and the XXXX directly and neither has assisted in the efforts of resolving this issue. They have yet to return any details showing how this balance came about. I can't fix the problem if the companies involve refuse to send supporting documents that would allow me to see how the balance came to be past due for items purchased that I have no knowledge of. I sent Experian a dispute on the accuracy and they sent back they found the information is correct and to contact XXXX. I sent certified mail requesting these documents to XXXX and got a generic response stating they checked into the information and it is correct. This is not enough to satisfy me as the account should be removed since it is not accurate information being reported and the company refuses to send me the documentation I requested. I would also like to note that according the the Experian report the original charge was XXXX dollars. Had this invoice been sent to me originally at the time of the charge I would have resolved it one way or another with XXXX immediately. No other parties would have been involved with this issue as I would have the documentation to report fraud and resolve the issue before it hit my credit report. I find it hard to believe that XXXX has not in this entire process seen that I have lived at the same address for 8 years and did not send 1 notice about this issue.

My ein for my business XXXX XXXX XXXX is XXXX. The account was closed in XXXX.i am waiting for my check of XXXX. Bank of america gave me the tracking Thank you for using the XXXX XXXX XXXX XXXX Online Complaint System. Your complaint has been assigned case # XXXX. Correspondence regarding this complaint will be emailed to : XXXX Please print a copy of this for your records. Filed on : XX/XX/XXXX Filed by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Filed against : Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Complaint Description : Account closure check not received. The account was closed in XXXX. I was given a tracking of ups XXXX. XXXX says its lost. I need the check to be reissued and given the tracking number. I have waited a very long time and do not want to wait any further. It is an emergency. I need the check to be reissued and given the tracking number as soon possible. I have waited a very long time and do not want to wait any further. It is an emergency. It's not my fault that ups has lost the check.

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

I have been trying to close my checking account, with USAA since XXXX. first USAA said that we had fees outstanding, and we had to wait a few days to ensure that there were no pending transactions. When we went through the fees we learned that there were mistakes created by USAA to obtain overdraft fee When USAA reviewd their mistakes they refunded the fees. After about of month no transactions on the accounts I attempted to close the accounts today. When I logged on three of the accounts showed a XXXX balance, XXXX dollars in one account, and XXXX XXXX cents in another account. I transfered the funds, that showed a XXXX balance. When I called USAA to close the accounts they said one of the accounts had an outstanding balance. When I looked into the transaction history, an overdraft fee that was refunded was re-instated, triggered by my attempt to close the account. This problem was created on one other account. Lastly according to USAA if I have an outstanding balance [ which I currently do not ] they can not close my account.

I sent a certified request with id, and all required documentation to Equifax postmarked XX/XX/19. I received a letter from Equifax that they did not receive the documentation. I complained via cfpb who then notified the company. My request asked for Verifiable Proof ( an original Consumer Contract with my Signature on it ). to date, I have not received Verifiable proof from Equifax. Since it took much more than 30 days without the requested proof sent to me, this exceeds legal guidelines. Under the FCRA, unverified accounts must be removed from my credit report. Since Equifax has exceeded 30 days in this matter, I want the accounts removed from my credit report.

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). A dispute was submitted on XX/XX/2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

In XX/XX/XXXX, I visited a Zales store in XXXX to purchase an engagement ring. I was induced to purchase a ring at Zales because the salesman assured me that I would not pay interest for the first 12 months. When I inquired further about the interest, he said that starting on the 13th month, interest would begin to accrue at about 30 % APR. I specifically asked if it was a deferred interest deal and the salesman assured me that it was not. <P/> I accepted the salesman 's offer of zero interest for the first year and purchased the ring. On XX/XX/XXXX, only a few days after the one year anniversary of the date I purchased the ring, I called Zales to pay the entirety of the bill for the ring so that I would not accrue interest. Much to my surprise, they informed me that I must pay {$620.00} because my promotion was in fact a deferred interest deal. I explained the conversation I had with the salesman and I was offered a 33 % reduction in interest. I asked to speak with a manager, and the manager I spoke with offered me 50 % off. Since I was sure there had been deceptive practices involved in the sale of the ring, both in a misrepresentation of fees and costs and misrepresentation of the benefit of the product, I did not accept the offer. The manager informed me that he would draft a complaint letter for my review and signature and my interest would be stayed for 30-60 days ( I understood that this date would start on the date I submitted the signed complaint ) while it was independently assessed by an arbitrator. <P/> On XX/XX/XXXX I called Zales to get more information about how to submit my complaint. I again was transferred to a manager who stated that my complaint was submitted on XX/XX/XXXX and was resolved on XX/XX/XXXX. She informed me that interest would therefore not be stayed. I asked her for the 50 % reduction that the previous manager had offered and she informed me that there was no evidence of such an offer being made and she was not empowered to waive any fees or costs. <P/> As a consumer I am deeply concerned with Zales ' deceptive advertising practices. I respectfully request a waiver of the interest incurred during the first 12 month period. If this is not possible, I request that my interest be stayed while I seek legal counsel regarding this matter. <P/> Respectfully, XXXX XXXX

am a natural person. i am a living human being, i have rights under 15 usc 1681 equifax, XXXX, XXXX is govern by 15 usc 1681 and they violated my right numerous of times. i demand the accounts listed below be remove because accoording to 15 usc 1681 : i have the right to privacy and i did not give any of these financial institutions written permission to furnish these accounts you also violated 15 U.S. Code 1681n - Civil liability for willful noncompliance sent your companies a copy of my ftc report, YOU NEED TO TRAIN YOUR REPRESETATIVES BETTER HOW IS IT 6 REP SAYS THEY GOT IT AND YOUR SUPERVISORS SAY THEY CAANT SEE IT

XXXX To : Cfpb ( Transunion, XXXX, XXXX ) Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX NA Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX : ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Ga XXXX ) Dear Consumer finance protection Bureau & trans Union and XXXX and XXXX Pursuant to the FCRA & the FDCPAI now exercise my lawful right to question the validity of this debt your agency claims has come due. Fair Credit Reporting Act 609 Disclosures to consumers : ( c ) ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. Fair Credit Reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Fair Debt Collection Practices Act Section 809. Validation of debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection

I recently visited with one of your agents about my current and ongoing financial problems and requested some help in paying on my inflated student loan. This was in XX/XX/XXXX. They told me that because of my recent Bankruptcy, filed around XX/XX/XXXX, that they would grant me a deferment with no penalties until XX/XX/XXXX.I told theur I needed some help in reducing the payment due to my financial condition. They offered no option at that time only that I need not worry until XX/XX/XXXX Unfortunately I believed your agent. I recently received the updated payment schedule, included as exhibit A, and was once again very concerned as the payment went up from {$310.00} to {$340.00} as the result of accrued unpaid interest of {$500.00} and an additional {$20.00} monthly late fee that is reflected in all payment until the loan is retired whether payed on time or not. I am not an accountant but you have effectively inerease your yield with these charges over the years and now once again. These charges are unacceptable and possible illegal and contrary to what the agent told me as are all the promises through the years. You have been doing this same thing to me for all the life of the loan since you took over in XX/XX/XXXX. The result is that you have increase the principle on the loan from {$23000.00} to {$38000.00} and made it impossible to pay off in my lifetime. This is a similar problem I had with XXXX I do n't have the exact numbers, due to a loss of all my records, but the original loan was less than {$9000.00}. I have asked for help with the repayment on more than several occasions and have been lied to as to giving me a deferment with no interest and in several cases told to fill out the forbearance form because the defennent form was not available on line and they would make the necessary changes to the form to make it a no interest deferment with no additions charges. They said that all they needed was my signature to get it started so do n't worry about the form. I have some additional as to your possible illegal practices over the years that have increase the principle to such an uncontrollable number listed below. Just makes me wonder how many thousands of others you have held XXXX with your un ethical practices. You have always strong armed me into pay more than I can afford with your vague conversations, lies and insisting I fill out forbearances as opposed to deferments telling me there were no other available options or offered any other options to pay back the loan. I told you that I had limited finances and would need some help to work out smaller payment and reduced over charges. When I told one of your agents that I would never be able to pay off the inflated loan because it was taking a very large percentage of my small income. He responded that I needed to figure something out as they would do whatever it takes including garnishing any income and taking away my social security benefits as my welfare is n't as important as you getting your interest money due you. Your continued lying, or giving me misleading information, doing anything to increase the principle and constant phone badgering have cause me to be in a constant state of fear. I feel I have no safe harbor and will die living on the streets as a result of you taking any income I may be able to generate from my current age of XXXX until death as well as my social security. As you know I ca n't afford an attorney to represent me in this matter but would request you consider offering one of the options below. Forgive the loan in full, as the bulk of it are over charges and interest you have been able to add on. As I said the original sehool loans were less than {$10000.00} in my estimate. Forgive any part of the loan you have applied to the original loan since you took over leaving me with a principle balance of {$23000.00}. which was inflated from around {$10000.00}. by Fannie Mae, allowing for

The company is XXXX XXXX XXXX XXXX it is for {$250.00} I disputed the debt through all 3 credit bureau 's and it was taken off XXXX, but it is still on XXXX and XXXX. I have never heard of this company nor have I did business with this company, I have asked for a contract that was signed between me and the company XXXX XXXX XXXX XXXX and they did not provide me with one. I do not owe this company. Please remove this debt from both bureau 's. This reporting is going against my integrity and character. I want this incorrect reporting removed immediately. Thanks

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

The CFPB is the Fiduciary for ALL of the CRAs and it my understanding that the CFPB will be forwarding ALL this inaccurate information which the CRAs continue to place onto my credit report. I have tried to resolve this matter several times but to no avail. The CRAs and Creditor continue to report inaccurate information on my credit report. Creditors are using my nonpublic information without my consent which is Identity Theft. According to 15 USC 1681a - FCRA Congress has made it very clear that there are some things that should not be reporting on my credit report. 15 U.S. Code 1681a Definitions ; rules of construction ( d ) Consumer Report ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; *The transactions are between me and the company. The person making the report is the company. Because they are defined as the person as the corporation. Right? But where does the transaction go? When you go to apply for a loan, thats a transaction. If the company is reporting me 30 days late, isnt that a transaction? Isnt that an experience? If theres a charge off on my report isnt that an experience. If a have a collection account on my consumer report isnt that an experience or transaction? The answer is YES!!!! Congress has already said none of these EXCLUSIONS listed above should appear on my Consumer Credit Report. Please DELETE IMMEDIATELY! The Credit Bureaus did not conduct a proper " investigation '' according to the FCRA 15 USC 1681 which is a Violation. This was never done!! The CRAs are supposed to notify me of who they interviewed after the investigation is over. Just like the FBI conducts interviews of your neighbors request information concerning me meaning investigative consumer report this is what suppose to be done but never is. ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681c-2 Block of Information resulting from Identity Theft On numerous occasions tried to resolve this issue with CRAs but to no avail. These entities did not have my consent to share my nonpublic information. Per 15 USC 6802 Obligations with respect to disclosures of personal information. I was never given Notice from these entities that my nonpublic personal information would be disclose to nonaffiliated third party. Also, these entities did not clearly and conspicuously disclose to me in writing or in electronic form. I was never provided their company policies of the disclose and collection of my nonpublic information. I have identified these items circled in RED ink as a result of Identity Theft using my nonpublic information without my consent is Identity Theft. When I have requested these accounts be Blocked and Deleted I received respond from the CRA stating ( A ) the information was blocked in error or a block was requested by the consumer in error ; The CRAs cant speak for me and it wasnt in error I have provided the Law of the violation. ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or. Where is the evidence or material misrepresentation Provide my with Proof The CRAs are only proving words that not proofing anything and theyre violating my Rights. ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. The CRAs doesnt have first-hand knowledge of anything and their making False Claims 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. ( 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. CRAs are not respecting consumers Right to Privacy and they have GRAVE responsibility and assume a Vital role in assembling and evaluating consumer credit and other information on consumers. I have lost confidence in the system because the system isnt working for me. The CRAs and Creditors are constantly violating my rights to Privacy. I never gave Permission 4 Day Block and Remove method No Consent equal Identity Theft I have a Right to Privacy the Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to safeguard the confidentiality of customer information. Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. 15 U.S.C. 6802 ( b ), ( e ) ( 2012 ). If any Creditor state, they had my consent please sign have the entity to sign an AFFIDAVIT under the penalty of perjury. CRA 's continue to report inaccurate information on my credit report when they are supposed to ensure information on my report is 100 % accurate according to FCRA. CRA 's comes back and state account " VERIFIED '' they are taking the Creditor word instead of conducting their own independent investigation outside of the investigation being completed by the Creditor or Debt Collector. So, the CRA is not supposed to reply on the information being supplied by the furnisher. My credit report states the facts of all inaccurate information thats circled in red ink. The CRAs are not in compliance and violating the FCRA. The CRAs are committing ID THEFT by continue to report old addresses which are not my current address where I reside. I DONT CONSENT TO e-Oscar VERIFICATION! REMAINING QUESTIONS OF FACT 1. Whether the creditor complied with the Truth in Truth Lending Act, which is mandatory for enforcement of a credit card agreement 2. Whether the creditor clearly and conspicuously disclose to consumer, in writing or electronic form or other permitted by the regulations prescribed under section 6804, that such information may be disclosed to third parties 3. Whether the creditor provided in writing to consumer that his/her private, personal nonpublic information would be shared, sold and distributed to nonaffiliates third parties 4. Whether the creditor disclosure their company privacy policies to consumer in writing at the time of establishing a customer relationship.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX. Account XXXXXXXX XXXX XXXX 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 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.

Last week ~XX/XX/17 I started receiving calls from an unknown number. I googled the number and it showed to be XXXX XXXX, though they never left messages nor their identification. I called the number back, twice and it said XXXX XXXX XXXX. The first time they refused to give me any information as I would not give my address as it seemed like a scam but said I owed debt. The second time I called I gave my address and he said he could not find me and that I would have to wait to receive something in the mail. I then called the number on the website instead and with just my phone number they said they were looking for a XXXX. The reason I find this so perplexing and odd is that when I called back the first and second time they repeated a name back to me that was almost like mine. I found this scary so I wanted to pursue the matter. I am unsure how they got a partial version of my name and number, but then said the debt was for someone else. I find it bizarre and concerning and want to make sure the credit I have worked hard to protect is n't going to be affected by some bogus company.

I hired a Company to take care of my debt they advised me to close my account with discover in order to qualify the. They started over charging me both for my debt and there services so I cancelled

Credit Report Inquiry XX/XX/XXXX Your company Citi Bank BestBuy Card did not communicate with all three credit bureaus within 30 days of receiving any of the two letters sent to you that the item in question was in dispute as per the Fair Credit Reporting Act. As proven by my most recent credit report from all three credit bureaus. I have disputed a debt and you have failed to report it as disputed with the credit bureaus. Protection under the Fair Credit Reporting Act. ( FCRA 623 ) If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. This identified by an informational line about the dispute added in the comment section of the item on the credit report. Section 623 ( a ) ( 3 ). Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ). You can prove that this process mandated by the FCRA took place between your company and XXXX consumer reporting agency? Citi Bank XXXX, Best Buy did not reply to both dispute letters sent XX/XX/XXXX and XX/XX/XXXX. Per the Fair Credit Reporting Act section 611 your company did not complete an investigation within 30 days.

Appeal Suntrust bank XXXX Virginia Attn XXXX va XXXX XXXX Attention suntrust bank XXXX XXXX This cfpb complaint # XXXX is not a duplicate and needs to be addressed By XXXX XXXX Of Suntrust Bank now known as truest Bank .

I made an additional {$1000.00} payment on my Usaa auto loan. Their website defaults to principal and interest instead of the full payment being applied to principal. That in itself seems very unethical to me. This payment was on top of my regular monthly payment. I tried their chat function to fix immediately with no luck and just spoke with a representative that told me the only way to fix the problem would be for the account to show a late payment as they would have to reverse the additional payment and reapply the whole payment to principal which would then show the additional payment as a late payment? That is very unethical and unfair. Their website should be corrected to default to principal only and this should be easier to fix .... without my only option being to show a late payment on my account balance. So unethical and inappropriate.

I received a letter from Harris & Harris , Ltd. alleging that I owe them money for a medical debt. I do not owe Harris & Harris , Ltd. anything. I've never received medical care or agreed to pay them for any medical care. The creditor they've listed on the obscene letter I received, I don't have any past due balance with. So, I'm not sure when or why they have come to this conclusion.

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX, XXXX. XXXX

I had a XXXX card that is wrongfully reporting as a charge off on my credit report and have been disputing this claim for years now because the information is not correct. The card that XXXX issued me had a limit of a thousand dollars and on my credit report they are reporting that it was XXXX dollars. I had used the card to buy an appliance that was over XXXX dollars, which I took back because of a malfunction. The which I took it back to on XXXX XXXX XXXX XXXX told me that my card would show a XXXX balance on the next statement and I took their word for it, believing that they would have made the correction and they didnt so the balance that was to have been taken off went in to collection or charged off. I have been disputing this for sometime now and the credit bureaus keep saying that it was verified. The questions I have is how could incorrect information be called verified when it is not true. I spoke with someone at the dispute center that handles issues for collection for XXXX and they told me that the credit limit on the card was {$1000.00} but my credit reporting bureaus is saying that {$700.00} is verified when clearly this is not correct. So if my account was to have shown XXXX, then why is it showing as derogatory on my credit report? Clearly the credit reporting agencies is not doing their work and continues to report false information in defiance of the fair credit reporting act.

Hello, I recently took out a new TD Cash card. My new account number ends in -XXXX. I have another TD Cash card that was closed due to inactivity ; that card ends in -XXXX. I activated my new card today -XXXX. When I logged into my online account, my old closed card -XXXX appears instead of my new one. I called customer service to get my new card -XXXX added to my online account. My username is XXXX. They advised that I would need to create a whole new account for my new card, which I don't think is right.

I have told the CRA on multiple occasions that the information they continue to report is incorrect. They have never verified none of the disputes I have submitted to them. I have investigated the accounts myself and found out that they have been reporting the wrong account numbers, ( 2 ) when there in only one account number, the wrong dates, the wrong status and also a third party reporting on behalf of the original company that I had no idea existed. How is this possible? They are wrecking my credit. The copy I have uploaded in the system and also sent to the CRAs listed is the only account I have with US DEPT OF ED.

1.Account Name : XXXX XXXXXXXX Account Number : XXXX Amount XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

I got these negative items from unknown companies to show up on my credit report. I need them removed immediately.

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

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

Bank of America closed my account recently because they said that my risk profile is no longer aligns with the banks risk tolerance. I call them several times but they keep on hanging up on me. I can get anyone to help me and I always get the run arounds whenever Im on the phone with them. I have a positive balance with them right ( over {$4000.00} with them ) and I need them to refund me. I also have over XXXX reward points saved up and they are being forfeited. I have been a preferred member with this credit card company since 1996. I have been in good standing with them even with the pandemic years. Ive been saving up all my reward points to take my wife to XXXX for our 20th anniversary and now they said I dont get to redeem the points anymore.

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate. the information and the furnisher could not provide sufficient proof to prove their reporting. 1.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX XXXXXXXX have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 2.Validate Account XXXX XXXX XXXX This is not mine. 3.The following account is not mine XXXX XXXX XXXX 4.Validate Account XXXX Account Number : Please Update all payment, all pay was made on time. 5.Validate Account XXXX Account Number : 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. 6.Validate Account XXXX Account Number : Please investigate and delete from my credit report. 7.Validate Account XXXX Account Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately 8.Validate Account XXXX XXXXXXXX Account Number : Please remove it from my credit report. 9.Validate Account XXXX XXXX Account Number : Please remove it from my credit report. 10.Validate Account XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 11.Validate Account XXXX XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed 12.Validate Account XXXX XXXX Account Number : have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 13.Validate Account XXXX Account Number : Please ensure that all information is accurate 14.Validate Account XXXX XXXX Account Number : have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 15.Validate Account XXXX XXXX Account Number : Please ensure that all information is accurate 16.Validate Account XXXX Account Number : Please remove it from my credit report. 17.Validate Account XXXX Account Number : Please supply information on how you have verified this item. 18.Validate Account XXXX XXXXXXXX Account Number : 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. 19.Validate Account XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed 20.Validate Account XXXX XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 21.Validate Account XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 22.Validate Account XXXX XXXXXXXX Account Number : Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the XXXX characters of the XXXX statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 23.Validate Account XXXX Account Number : Please removed from my public record 24.Validate Account XXXX XXXX XXXX XXXXXXXX My parent has the same name as me. 25.Validate Account XXXXXXXX XXXX XXXXXXXX Please supply information on how you have verified this item. 26.Validate Account XXXX XXXX XXXX XXXX XXXX 27.The following account is not mine XXXX XXXX XXXXXXXX Please Update all payment, all pay was made on time. 28.The following account is not mine XXXXXXXX XXXX XXXXXXXX Please Update all payment, all pay was made on time. The Credit Bureaus never did a proper " investigation '' according to the FCRA. The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. The did not do this. Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151.

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. 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.

On or about XX/XX/2021, XXXX, XXXX and Transunion as well as the CFO 's of each were cc 'd and provided via Certified mail, a request to the original creditor, XXXX XXXX XXXX XXXX, to provide validation to the allege debt being reported to the credit bureaus see complaint XXXX. Nothing has been provided. However, even though XXXX, XXXX, and Transunion are fully aware that no documentation has been provided to support the validation of account, they have failed to remove the debt. In fact, on XX/XX/2021, XXXX concluded the debt to be verified by grantor for the third time but has no documentation to support their conclusion and they have concluded prior to receiving any response from XXXX XXXX XXXX XXXX regarding the allege account. ( see attached ) I have also been refused full disclosure of my credit file.

Hello, Transunion has been reporting erroneous information on my credit report and I've tried several times to have this information corrected. I have a public record on my report that is not accurate and have disputed this account and asked for validation several times from Transunion. Transunion has stated this information was verified by the courts and XXXX XXXX. I initiated an investigation with XXXX and XXXX XXXX ; both confirmed that this account was not mine or was not provided to Transunion. I presented this information to Transunion and they have responded with false information, stating the public record has been verified. This should be illegal and I'm considering filing a complaint with my state AG office and will consult an attorney. This is a serious violation of the FCRA. Below are the steps I've used to correct this information : XX/XX/2020 I contacted XXXX to verify verification process related to XXXX reporting, XXXX responded on XX/XX/2020 stating they do not verify bankruptcies with third party agencies or Credit Bureaus. XX/XX/2020 I submitted a complaint to CFPB concerning incorrect information reporting on my XXXX account. XX/XX/2020 XXXX responded with a letter stating the public record was deleted from my file and was not accurate. My rights have been violated and my next course of action is litigation. I've provided attachments to show proof of my actions and investigation. Please remove this pubic record from my account ASAP.

I filed a claim with XXXX XXXX about this collection on my credit report on XX/XX/2020 because the amount is wrong! It says {$110.00}. owed but it should be about {$64.00}. I got the results from XXXX XXXX today XX/XX/2020 and it says it was accurate? Then I call AWA Collections myself and they tell me the remaining balance is {$64.00}? So how is that accurate if it is not?! I would like them to fix this asap! How do you have someone paying it off but you can't simply apply it to the Credit Agency? This is my Credit we are talking about and they need to do their job to report and update the correct information. I dont know what kind of investigation that was when obviously it is wrong!

FEB - RETAIL continues to report inaccurate information to all credit bureaus. When I dispute the payment history they update the late payments to new a new month and year. I have disputed multiple times with the creditor because the information is simply inaccurate and for them to change the dates of when the payment was late every time I dispute is proof that they have been reporting inaccurate information on my credit report. According to Section 623 ( a ) ; 15 U.S.C. 1681s-2 ( a ), this is a violation to my rights as a consumer, and I ask for this account to be either removed from my credit report or the payment history be cleared for reporting inaccurate information on my account.

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks! 

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. 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.

I checked my credit report and there are charge off accounts appearing on my credit report that I have no knowledge about. U have never received anything in the mail from the creditors. I would like to see all the information regarding these accounts like when they were open, addresses cards mailed too, transactions receipts and signed applications from each creditor. Equifax, XXXX and XXXX are allowing these creditors to report incorrect information to my credit report.

Chase is now lieing to you. They been closed my account. The same day I filed my claim. And the took my only means of income my XXXX check case I'm a XXXX citizen of the United States. They closed it because I know that the bank let someone into my account my personal account to learn things about me that was later used against me to gety XXXX check taken away from me. But it did not work but they had no right to let someone in my account and find statements in my account from XXXX months ago. And they would not let me get my money out of my account. They are lieing and changing my account If it's closed why are they going into my account and changing things. Why are they placing and taking money from my closed account and most of all why are they holding on to my money if I go any money left they are also taking you withdrawal slip and using the same slip and using on money that there taking out my account. And the XXXX XXXX that was taken from my saving account was taken out without my .Knowledge. I was never told of any finding on my account but has had money taken from it and then being hung up on when asking them about it. They are also sending me emails of a letters that they have sent to my online account. Knowing for a fact that I Can't get into it because the locked me out, They are not placing nothing but lies on my account and my money somewhere else. They are making it look like I spent money off a card that I never had. They make sure that I can't have any of my own money and there not being honest with me. I can't put it in another account and can't get any money from the closed account that's been closed since XXXX.. XXXX I haven't had any rent, personal, or spending money for over a month now. I have paid my phone, rent or storage at all. Who are these people that gets to drain us dry, comit t crime after crime and take our money and run our life and none of this is my fault. XXXX them for the proof they so call have that say I spent. They can't because they know it was them.

My mortgage loan opened in XX/XX/2021 was initially with XXXX XXXX XXXXXXXX. They transferred my mortgage loan to a new servicer in XX/XX/2021, Carrington Mortgage. My mortgage payments to Carrington, since XX/XX/2021 have not been reflected on my credit report as of XX/XX/2021. My credit reports only shows mortgage payment up until XX/XX/2021, and there is no current mortgage loan from Carrington reported on my credit report. I contacted Carrington in XXXX, XXXX & XXXX with claims of waiting another month. They claim to have reported my payment history as of XX/XX/2021. My credit history shows no mortgage since XX/XX/2021 under XXXX XXXX and this has been incorrect for 6 months.

Since XXXX I've been trying to resole this account with the company, Bridgecrest is still reporting to the credit bureau as derogatory/delinquent.I have made numerous attempts to resolve this issue, and have been given the back and forth with the company saying they will get back to me .The account is in a bad state and I need this to be rectified as soon a possible so that I can increase my credit score and have this account taken out the system and the account status updated.

I had an account with XXXX XXXX, I made one purchase, ( around {$130.00} ) paid that purchase in full but was late a few days with the payment. I then paid the late charge ( {$27.00} ) after speaking with the agent on the phone, the would not take a phone payment at that time without further charges so I made the payment myself and asked the agent to close my account, which they did. The payment posted 2-3 days late so they charged me yet another late charge for the late charge payment. The bank agents have been calling me at home, work and even my in-laws house harassing me to pay them for another late charge. ( I told them I would just return the item ). They said I couldn't do that. They have sent me to collections, ruined my credit score all because they wanted me to pay them more money for and item I paid in full for and paid a late charge for. This has been going on for months. Calling every day, then calling my work, saying they are going to turn it over to their attorney 's to sue me. It's just an awful bank and should not be allowed to be able to treat people this way.

There are three accounts on my credit report they are not mine and they are hurting my credit I have not signed authorized or used any of these accounts. XXXX XXXX XXXX XXXX XXXX XXXXunt XXXX Amt {$350.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Account XXXX Amt $ {$1600.00} Opened XX/XX/XXXX XXXX XXXX - Account XXXX Amt $ {$450.00} Opened XX/XX/XXXX XXXX

Experian refuses to remove debt accounts from my credit file that are not accurate. Sent me results that are showing g accurate for XXXX XXXX XXXX XXXX duplicated on my file that was included in my 2018 bankruptcy. XXXX XXXX is a timeshare that was included in my bankruptcy and should not be able to bill me or sell account to collections as it was included in my bankruptcy. Experian also refuses to remove XXXX/ XXXX as it violated CARES act by place that debt on my File during COVID-19. Can you please assist? Thank you! XXXX XXXX

On XX/XX/20 I checked my personal credit report and noticed multiple inquiries to the following companies. That I did not authorize to. The companies are listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these companies and this is fraud.

THIS IS NEW AND UPDATED INFORMATION : I XXXX XXXX never gave gave Equifax permissible purpose, Pursuant to 15 usc 1681b to REPORT ANY THING ON MY REPORT. Im stating what the law says. They have violated my rights and I demand deletion or well seek remedy.I already contacted XXXX, XXXX, and this complaint at CFPB, According to 15 USC 1681b ( A ) - " Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other '' One of the circumstances is 15 USC 1681b ( A ) ( 2 ) " In accordance with the written instructions of the consumer to whom it relates ''. Which means that any item of information on my consumer report can not be placed on there without my written consent, I am requesting that Equifax provide me proof of my written consent ( permissible purpose ) giving them permission to furnish these accounts.

My name is XXXX XXXX, XXXX, in XX/XX/2017, I victim of identity theft for the incident of the Data breach by XXXX, and Also I had insurance I was getting it the XXXX XXXX XXXX by XXXX I reported with the XXXX XXXXXXXX XXXX and the haven't dont nothing to pay my all the problems and fix my credit and I sent all the documents that XXXX request me and now they say they didn't receive it but I have the proof that. They signed and the dont want to fix the problem van you tell me what can I do about it please

New standards for how tax liens, civil judgments and bankruptcies are included in credit reports went into effect on XX/XX/XXXX. BeginningXX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals. I disputed the tax lien and judgment information on my report and it came back as verified. The problem with that issue is that I spoke with the companies/court involved who the credit reporting agency claims verified this data, and they responded in writing stating that they do not verify information such as bankruptcies, tax liens and judgments with credit bureaus. Please have any tax liens, & judgments on my report deleted immediately. I was also, according to the Equifax website part of the data breach that took place between XXXX and XX/XX/XXXX. After searching by my SSN, it said that I was included in the breach ( Please see attachment ). Therefore, I would like to have a fraud alert placed on my credit reports with all 3 agencies and also any credit inquiries from XXXX throughXX/XX/XXXX removed immediately. As these things are negatively affecting my credit score.

I opened this XXXX account XX/XX/XXXX. They are missing my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX statements. I have not missed a payment on this card and the majority of the time it is ; aid in full. I have requested multiple credit line increases and have been denied every time. My credit line is {$300.00}. On XX/XX/XXXX i received a letter stating that i would not receive an increase because a payment on this capital one account was recently returned i assume they are referring to my XXXX XXXX account that was shut down due to id theft. XXXX XXXX XXXX XXXXXX/XX/XXXX, i received a letter stating that i will not receive an increase because There are too many missed minimum payments in recent history Presence of a revolving account charged off by a lender Presence of an account that is seriously delinquent or derogatory There have been too many recent inquiries This is not true and how could this have possibly happened within one months time? They claim they are getting the report from XXXX yet my XXXX report does not show any of this. Why are the reasons getting worse as my credit is getting better? They tell me there is nothing they can do because a computer decides.

These two companies have provided false information to the credit bureaus. Basically, every time I dispute the information and tell them that these are not my accounts they modify their reports to give the impression that I have been actively making payments on the accounts. However, I never made any of these payments recorded in these accounts because these accounts do not belong to me. Also, these companies will update the " date '' that the account was opened to further give the deceptive appearance that I recently opened up these accounts. I even hired a law firm to dispute these accounts and they were not able to get them removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX Phone Number ( XXXX ) XXXX This company also refuses to remove information off of my credit reports, after I disputed the account as not being mines and the information being inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX UT XXXX Phone Number ( XXXX ) XXXX Furthermore, none of these companies will provide me with documents proving that I opened these accounts and made payments to these accounts. I never gave any of these companies permission to make any of these reports to the credit bureaus.

In XXXX of 2021 I was put on life support, they took out there monthly fee of XXXX for the month of XXXX and the month of XXXX. I was on life support XXXX of 2021. They closed my account because I did not have the funds to cover the {$10.00} they took out for maintance. So how is it okay for them not to reach out and ask if everything is okay before closing the account. This was with Bank of America.

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. The following accounts have violated my rights : 1. XXXX XXXX Account Number : XXXX 2. XXXX Account Number : XXXX 3. XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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.

Fraudulent accounts were open under my name without my knowledge and not paid.

XX/XX/2023 transunion is violating my rights by not honoring my letters that I authorized to be sent in by a XXXX party.