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Consumer_complaint_narrative stringlengths 30 11.1k
I reached out to this company several times in hopes of trying to resolve this matter. I was sold a lemon vehicle of which I was trying to pay the car payment and multiple repairs totaling over 15,000.00. In XXXX, I called the company to advise of payment being sent and was advised by the representative not to send payment, in fact the company was not longer collecting on the vehicle as it was too old and had no value. I was advised someone from collections will be in touch with me to further discuss payoff and get me my title and that never happened. upon calling them back in XX/XX/XXXX and again in XX/XX/XXXX and again in XX/XX/XXXX and XX/XX/XXXX I was advised the due to the original creditor going bankrupt they could no longer collect on this item and the {$8000.00} ( + ) still owed was expunged and I would receive a letter and title in the mail by the end of XXXX well that never happened. now when I call them I get the run around and nobody calls me back. I reached out to them several times even more recently because when I disputed this item several times on my credit reports with XXXX, XXXX, and XXXX they went in and now said the item in collections for {$14000.00} ( + ) dollars. How can they now want so much money for a 14 year old vehicle and where did they get these figures from. I never rec 'd anything indicating I owed them again since the original conversation in XXXX nor did they send any collection letters or contact me and none of my information has changed. they also are reporting repossession and redeemed and that is not accurate. I paid the vehicle before it every got to that status, not to mention this being on my reports and it is not accurate at all. I tried everything I know to get this resolved and to date I have been unsuccessful on my own. I have all the repair documents and the financing documents for the vehicle still and never rec 'd anything from them releasing me besides verbal authorization. Lastly for over 7 years I was paying for a vehicle and being robbed as the monies were not being credited appropriately as per the terms and conditions of the contract. When I went back to the original dealer on this issue I was advised they closed down for faulty contacts and swindling people. When I contacted the financing company I got the same information and they then went bankrupt after receiving bail out money from government. Then TD auto finance purchased the account and pretty much started my payments all over again and increased my balances. which should be considered unlawful.
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
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.
Greetings, I recently opened a bank checking and savings account with First tech federal credit union and within XXXX days had account frozen. My cash balance in accounts are unavailable and I couldnt afford to buy food. I sent email and called twice to verify Im the account holder but they have continued to extend timeframe for account freeze.
In accordance with the Fair Credit Report Act conversion has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 608 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 states a consumer report agency can not furnish a account without my written instructions.
There are numerous accounts being reported on my credit file that are NOT related to any transactions done by me. This was a result of malpractice or an error.
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 vears. 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 demand these fraudulent items off to be removed from my credit report!
I did not authorize nor consent to the following inquiries being furnished on my consumer reports. XXXX. XXXX XXXX ( XXXX )
VW CREDIT INC is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
There are numerous accounts in my credit report that I do not recognize them
Hi XXXX XXXX ; National Recovery Agency ; I'm really sad, confused and stressed, and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
I have reach out to XXXX XXXX XXXX / XXXX XXXX XXXX XX/XX/2020 and to no avail, I have not received back the items that were requested in my Validation letter. Instead, i received a computer generated statement XX/XX/2020. Which I'm disputing In accordance of the ( FDCPA ), this has caused me detrimental health concerns due to the fact I have no knowledge of these accounts. There also reporting two separate account numbers for the same accounts My credit score has been affected. I am asking for this item to be removed from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX XX/XX/XXXX Dear Sir or Madam : I'm writing to get resolution to 7 Medical creditors that was recently placed all in one day on my credit report. 2 for XXXX XXXX reported XX/XX/XXXX {$110.00} and {$110.00} and 3 for XXXX XXXX XXXX reported XX/XX/XXXX {$120.00}, {$660.00} and {$240.00}. XXXX XXXX XXXX XXXX reported XX/XX/XXXX {$280.00} and XXXX XXXX XXXX reported XX/XX/XXXX for {$140.00}. There is n way I can owe these creditors. I have attempted to call each to explain the error but all they want is a payment. On my credit report it did not say medical, it says Collection or Charge off. I pay my bills and have a 100 % payment history. I explained that these error medical collections have been paid at 100 % as the Doctor and Hospital I use say I have a XXXX balance. I have full coverage health insurance. I would like to have this removed from my credit report. I have asked these companies above to kindly remove but say no. I'm reaching out for help
Bank of America # XXXX is reporting inaccurately on my credit report. This was included in my bankruptcy and should not be on there as an active collection. Not to mention the last activity on said account was back in 2012 putting it past the statute.
Navient h as a 90 day late payment on my credit report that should not be there. I had contacted them several times about deferring my loan, which I was told happened in XXXX of 2016. I now see a 90 day late payment from time frame XXXX 2016 to XXXX 2016. This is effecting my credit by about XXXX points, keeping me from buying a home.
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$290.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1200.00}
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.
I have a annual fee card with citi and tried calling them to convert it to a no fee card. After being transferred 3 times and spending over an hour the agent tells me that I need to call credit bureau and update my phone number there. Horrible customer service who has absolutely no clue.
I requested my negative balance back via phone support. I requested ACH or wire transfer. I was told the only way ACH works is if they send am email at a random time they can not predict in the following 48 hours. I was told if i fail to authorize the ACH transfer that it would be shipped via mail. I am currently on an island that does not receive physical mail, and can not go to the mailing address because i am distancing from my family who reside there. On top of this, i informed them they are not allowed to mail a physical check. 4 days go by, no email, but i see the refund was issued on XX/XX/25. I called to see what happened. I was informed a physical check went out, and i complained about this. I reminded them a physical check was unacceptable, and that i had not gotten an email. I escalated this matter to a supervisor, and was informed that someone from the executive office would call me in within 48 business hours. We are now 4 days past the second phone call, and the executive office has not reached out to me. On a side complaint, the call lines and verification processes are requesting online account passwords. This is a GIANT no-no in the computer world.
RECEIVED A PROMOTION FROM CITI BANK ( PROMO : XXXX ) IF I DEPOSIT OVER {$75000.00} WILL RECEIVE {$1000.00} AFTER 3 MONT OF THE DEPOSIT, I OPENED THE ACCOUNT ONLINE AND USED THE PROMO CODE BUT WAS NOT PROVIDED WITH AN ACCOUNT NUMBER, SO I CALLED THE NEXT DAY TO GET THE ACCOUNT NUMBER AND WAS TOLD IT IS NOT AVAILABLE YET, CALLED FEW TIMES ON THE NEXT FEW DAYS, THEY TOLD ME FOR SECURITY REASONS THE COULD NOT GIVE THE ACCOUNT NUMBER OVER THE PHONE, WENT TO THE NEAREST CITIBANK BRANCH AND THEY COULD NOT HELP ME ALSO. RECEIVED THE CHECKS AFTER TWO WEEKS AS THEY SEND THEM TO THE WRONG ADDRESS ( THE ADDRESS ON THE CHECKS THEMSELVES IS WRONG ). I IMMEDIATELY INITIATED THE TRANSFER FROM MY XXXX BANK TO CITI WHICH TOOK THREE BUSINESS DAYS TO BE VERIFIED AND TRANSFERRED {$79000.00} TO CITI BANK BUT I WAS TOLD NOW THERE IS A HOLD PERIOD OF UP TO 3 WORKING DAYS BEFORE THE ACCOUNT IS CREDITED. NOW I'M TOLD THAT I DO NOT QUALIFY FOR THE PROMOTION AS I SHOULD HAVE MADE THE DEPOSIT IN LESS THAT 21 CALENDAR DAYS, WHICH IS IMPOSSIBLE CONSIDERING ALL THE OPESTICAL I HAVE TO GO THROUGH. FILED A COMPLAINT # XXXX WITH CITI BANK BUT WAS DECLINED.
I am filing this report because today XX/XX/2020 I applied to XXXX XXXX XXXX but unfortunately I was not approved because apparently there are several accounts in negative standing appearing on my credit history. I looked through my credit report and I saw many accounts from different companies that are not mine as well as addresses that I have never lived at. I don't know who these accounts belong to but I did not allow anyone to open these or any account on my behalf. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these debts. I am not affiliated to any of the companies listed on this report ; I do not have any contract or agreement with them nor did I ever give them permission to run/access my credit file. I have filed a complaint with the Consumer Financial Protection Bureau as well as filed a police report.
In accordance with the fair credit Reporting act the homedepot/CBNA, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any other purpose
Company does not have authority and contract is void.
While recently Checking my credit file I found that your Company has added a derogatory Line on my Personal Credit Report and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am not aware that there is a debt from XXXX XXXX XXXX, I am also unaware of the amount due and your Derogatory Remark does not include a breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is this : Validation of debt HIPAA authorization signed by myself. Provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Your Company and the Medical Professional/Company that Contracted you are in Violation of these laws among others : Subtitle D of ARRA Sec. 13401 ( Application of Security Provisions and Penalties to Business Associates of Covered Entities ) Subtitle D of ARRA Section 13407 ( 1 ) - ( Breach of Security ). Please send this information to my address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent up to {$5000.00} per incident plus costs. I will await your reply with above requested proof. Sincerely, XXXX XXXX
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting 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. Chapters View all
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$71.00} XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$890.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$480.00} Date Opened : XX/XX/XXXX
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
All XXXX accounts should reflect Discharged/Paid In Full as per FTC Federal Truth In Lending Disclosures and Billing/Credit Reporting Act. And, there should be No Deragotory Information based upon conditions of Discharge.
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 letters are stated with items and issues. 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.
For several weeks I have been trying to open a Capital One 360 Checking account but get an error message to call in to verify some information. Apparently Capital One has my SSN associated with a XXXX XXXX XXXX which has prevented me from continuing further. I have been " highly verified '' by Capital One and their associates tell me that they are correcting the issue but never do. I have called in numerous times to resolve this matter to no avail. They claim there is a one digit discrepancy in the SSN numbers. I have three long standing credit cards with Capital One that the banking division could verify with the credit card division and easily see that my SSN indeed belongs to me and not the other gentleman.
XXXX XXXX Account Number : XXXX, XXXX Account Number : 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
On XX/XX/XXXX, I appealed to and disputed a number of fraudulent accounts to the major credit reporting agencies that stemmed from a security breach where I became a victim of identity theft. I disputed the accounts toward the legal grounds of FCRA section 605.b, yet to no avail. I have received no response from any of the aforementioned in regards to this matter.
No contract with this company or its people they claim i owe the debt to.
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 SECTION 602 STATES THAT I HAVE THE RIGHT TO PRIVACY!! 15 USC 1681 Section 604 a section 2 it also states that a consumer reporting agency can not furnish an account without my express written consent ; under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
In accordance with the Fair Credit Report Act XXXX Account # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX OF XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my right XXXX 15 U.S.C. 1661 Section 602 A state I have the right to privacy. 15 U.S.C. 1661 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
I previously disputed this public record with TransUnion I dont recognize this public record listed below, I have requested TransUnion provide me proof from the court and mail me the results of their investigation, TransUnion has failed to do so. TRANSUNION CONTINUES TO VIOLATE MY RIGHTS UNDER THE FCRA 623 ( a ) ( 1 ) ( A ), WHICH CLEARLY STATES THE CREDIT REPORTING AGENCIES HAVE A LEGAL OBLIGATION TO ENSURE THE ACCURACY OF INFORMATION THEY FURNISH, TRANSUNION HAS CLEARLY FAILED TO DO SO. I HAVE ALSO PROVIDED PFOOF FROM THE COURT THAT THE INFORMATION TRANSUNION IS REPORTING ON MY XXXX FILE IS INACCURATE, HOWEVER TRANSUNION CONTINUES TO VIOLATE MY RIGHTS AND NOT INVESTIGATE THIS MATTER. TRANSUNION CONTINUES TO SEND COMPUTER GENERATED RESPONSES EVERY TIME WITHOUT PROVIDING ANY PROOF THIS ACCOUNT BELONGS TO ME. I HAVE ATTACHED EVIDENCE THAT TRANSUNION IS IN VIOLATION OF THE FCRA, AND HAS FALSIFIED INFORMATION TO THE CFPB AND MYSELF. NOW IS NOT XXXX TIME TO UPDATE, I DEMAND THE FOLLOWING ACCOUNT BE REMOVED IMMEDIATELY : XXXX XXXX/DOCKET NUMBER XXXX.
This debt is for a Care Credit card issued from Synchrony Bank. It was agreed to supposed to be deleted from my credit report and is still there.
XXXX XXXX XXXX for more than four 4 Years reported as charged off, and bad debt to the Credit Reporting Agencies in the amount of {$4800.00} In view of such fact said report is inaccurate according to the IRS manual where a charged off is considered income which should be reported for tax purposes and income is excluded from the consumer report. Further, it's an impossibility for the report to ever be accurate as said amount can not be debt and income for me simultaneously. Notice this account is being currently litigated in Court by a third-party debt collector COOLING & WINTER on behalf of XXXX XXXX XXXXXXXX who also at one point had another debt collector that attempted to collect this debt without any form of verification. The record reflects numerous correspondence between all parties. There is evidence in abundance that support XXXX XXXX XXXXXXXX XXXX. acts and omissions are deceptive, abusive, and inconsistent with the Provision of Several Federal Statutes including but not limited to the FDCPA and or FCRA The Consumer has been denied extension of credit on several occasion which constitute actual damage. I have attached a copy of a notice dated XX/XX/23 that was sent to XXXX XXXX XXXX XXXXXXXX of my intentions to commence an action. Said notice sent is accompanied by a copy of the present case being litigated in a County Court on behalf of XXXX XXXX XXXX XXXX. by COOLING & WINTER LLC against the consumer
Hi I hope all is well! Recently, I did an investigation on my credit report which caused me severe stress and XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
This is not a duplicae complaint this new complaint regarding new issue. I'm sending this dispute for a hard inquiry that I have never authorized. After carefully researching my report I realized that this inquiry was made by someone else. I never authorized it. I truly believe it's a result of fraud. I have been a victim of Identity theft. I have also filed FTC report for this inquiry and the report number XXXX and name of that fraud inquiry is XXXX XXXX XXXX - XX/XX/2022. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. This inquiry is the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that this inquiry is unverifiable information and must be deleted from out of my credit file. The reason that this inquiry is being disputed is because it was not made by me, and when I report this to you, it is your responsibility to investigate my claims, it must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. Thank you for your help.
Theres a Bankruptcy thats currently reporting on my credit file with Experian, XXXX and XXXX. This Bankruptcy was completely dismissed and should not be reporting on my credit file with Experian, XXXX and XXXX. Please remove the inaccurate Bankruptcy thats reporting on my credit file. Please and thanks
On an account I had little or no activity in, they ( Macys ) incorrectly billed me and the bill did not arrive for me to pay. I would gladly have paid.As can be seen by the dates, I opened it on XX/XX/2015, the delinquent was reported XXXX and I closed it on XX/XX/2015. They had a billing problem at that time and I did not receive a bill. When I did, they reported it as delinquent. Some years later, I agreed to pay the entire balance if they would delete the report. I had not followed up to see if they deleted the report. In fact, they had not. It is still being reported as a " paid chargeoff '' which I dispute due to they had a billing problem, not my unwilling or able to pay the balance. Also, this is still being reported and affects my credit score.
back in XXXX I payed the entire balance off on my American Express card. Thinking that entire amount was paid the following month I made no payment. Appox 30 days later I receive a late notice along with a bill for past occurred interest as well as a late payment fee. I contacted amex and was informed I would have to pay this amount of {$79.00} for accured interest and a late fee of {$35.00} and also my account was subject to a credit interest increase. So I paid the entire amount on date I always made my payments on. Thinking to myself that amount would take careof them and I certainly would not be using your card in your longer okay that didn't happen this month I received another bill for {$35.00} for a late fee stating that the payment was not received until the XXXX of the month although I make your payment electronically through my bank as I have always in the past on the XXXX of the month which is the day that I get paid on. So now I have a new bill again for {$35.00}! in late fees and they are also reporting me late to the credit bureaus. I might mention that they sent me a later stating that if I were to fileba dispute with credit bureau they would be cancelling my account. I don't know what kind of business practices by are these but it sounds as if they are making threats. I need assistance with them because even when I called to get this straitened out the person I spoke with was very rude and menecing.
I opened my citizens bank account in XX/XX/2018. As a new account holder, several times the bank placed 10+ day holds onto my deposits ( checks ). Okay fine, I am a new account and this is normal protocol. However as the months went on, I would randomly receive 7+ day holds onto my large deposits ( checks ) Never once has a check bounced from a bad check deposit, they provide no information as to why and no documents with dates for me to review. There is no reason for these holds, it is completely irrational. Now on XX/XX/XXXX I deposited a check for XXXX $ and they have yet again placed a hold until XX/XX/XXXX. That is a lot of money that they have, yet again, essentially stolen from me for over a week. I am completely stuck with them and have gotten nowhere speaking to their representatives over the course of the past 6 months. My account has never been in poor standing, I am a responsible customer, the only time I have struggled with finances is when they hold my money.
I paid off a {$1000.00} limit Credit card and cancelled it because of a {$69.00} annual fee. My credit score then dropped XXXX pts in XXXX day. So my question is why would this happen? I know this is not a topic you have listed but I sure would like to know why taking care of my credit results in a XXXX point drop in my score.
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting inquiries as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I disputed accounts with Experian that had unauthorized charges due to previous identity theft. These charges were not discovered for some time, and because of this I was unable to file a police report. However, I did submit the claim to the federal trade commission upon discovery. As a consequence, I disputed accounts associated with this identity theft and Experian refused to remove the information. I attempted to submit a new dispute with a personal statement, FTC documents and other supporting information via the Experian website and received errors for 3 days straight. I finally printed and faxed the information to Experian and the subsequent dispute was still not a success as Experian refuses to remove this damaging information. As per Section XXXX, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. The associated account are as followed : XXXX XXXX : XXXX XXXX : XXXX XXXX Card : XXXX XXXX XXXX XXXX XXXX In addition, Experian continues to report balances on these closed accounts.
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THE ACCOUNTS WAS NOT AUTHORIZED BY ME.
I'm a victim of identity theft, it's been a frustrating situation for me for over 10yrs. I periodically monitored my credit and disputed inaccurate items as they appear, most were corrected but ONE! XXXX XXXX XXXX insists I opened a account for a credit card XX/XX/XXXX in a state I never resided in. In XXXX I tried multiple times disputing this fraudulent item to no prevail, It's currently reporting negatively on my credit report as charge off for {$1500.00} I sent a copy of the original police report about the identity theft, the info I filed with the social security association and the report I had on file with the IRS and they insist the account was valid.
My Credit Profile has been damaged by XXXX XXXX with 2 incorrect and/or fraudulent late postings on my credit profile. I had a joint lease agreement with XXXX XXXX, the lease started on XX/XX/XXXX ( 3 year lease ), the vehicle was returned on XX/XX/XXXX and Mr. XXXX purchased a new vehicle, subsequently XXXX XXXX reported this account 30 days late for XX/XX/XXXX and 60 days late XX/XX/XXXX. This can not be possible when the vehicle was returned on XX/XX/XXXX paid in full at that time.
Company : Greensky XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX GreenSky XXXX XXXX XXXX, XXXX GA XXXX Lender XXXXXX/XX/XXXX, A Mississippi banking corporation XXXX Greensky is trying to collect money from me on a bill that is not mine. They claim I owe them {$53000.00} for a series of home improvement type transactions recorded for businesses in the Southern States. Despite repeated conversations with them, letters to them etc. they continue to send me bills, call me and harass me about money that I don't owe them and never did owe them. After a lot of letters in which I asked them what the transactions were for, they did send some copies of transactions for home improvement type work at locations in the South. That is the only way I even know what the charges are for. Summary of Facts : 1. I did not apply for any type of credit with them or take out any type of loan. I did not fill out any paperwork at all. 2. I do not have a loan with them and never have not had any dealings with Greensky. 3. I did not fill out any applications for a loan, credit line or account or sign any paperwork dealing with them or with any of their partners like XXXX XXXX in Mississippi. I have never been in Mississippi. The last time I was in XXXX GA was about 20 years ago. The only place that I have been to in the South is XXXX Florida for work meetings and vacation within the last year. 4. I did not borrow any money from Greensky or XXXX XXXX. 5. I did not do any transactions with them at all. 6. I did not do the transactions for the home improvement bills they show- 7. I have never been in the cities where they show the transactions to occur. I was here in California seeing XXXX in my office. 8. I have not done any home improvements to my house related to their what they show for the work done. They claim the transactions were for home improvements. 9. I have invited them to inspect my house to verify that the type of home improvements they show on the transactions have not been done at my house. They have not responded. 10. I live in XXXX XXXX, CA and do not have property in any other state where I could do the work they listed. I do not even know anyone who currently lives in Mississippi or XXXX area. 11. I have asked them to show me a copy of a loan application, signatures on any transactions or any piece of paper with my personal data, or signature. They have provided nothing. 12, I have asked for a paper trail of these transactions and for an investigation of the people who received the money. They have provided nothing. 13. I have told them to find out who has their money because it is not me. They have done nothing-no response. 14. They do not have even one piece of paper, loan application, transaction, anything with my signature, other financial information required to get a loan like this etc. In other words, they do not have one shred of evidence that I owe this bill. 15. The first time I even heard of them is when I got a bill for transactions I did not do. 16. During my first correspondence to them, when I told them these transactions were not mine, I asked them to close the account and NOT give out any more money. I don't know if they did this. 17. There is no person who ever responds to my letters and calls. For example, if there was a loan, there would be a loan officer. Someone would have approved the loan. I have asked them for the name of this person. NOTHING is their response. 18. They call me at my office. Then when I do not give them my personal information, they claim they can not look up my account. On the last return call talking to XXXX last week, I asked her to record the call but she said she could not because I did not have my account number with me. This is after they call me. 19. They wanted me to send them all my personal information like social security number, a copy of my driver 's license etc. so they could forward it to " investigation ''. Since I never took out this loan in the first place. I told them in writing that I would not send them any personal information on myself. They could use this to manufacture fraudulent and false paperwork. Besides, If I had filled out any documents to get a loan, they would already have this. CAUTION TO ANYONE READING THIS : IF THIS HAPPENS TO YOU, DO NOT GIVE GREENSKY ANY OF THE PERSONAL INFORMATION, INFORMATION THAT THEY SHOULD ALREADY HAVE. BOTTOM LINE : THEY HAVE PRODUCED ABSOLUTELY NOTHING TO SHOW THIS BILL IS MINE AND DO NOT HAVE ANY PAPERTRAIL, NO LOAN APPLICATION, NO SIGNATURES ON TRANSACTIONS, NOTHING AT ALL WITH MY SIGNATURE OR PERSONAL INFORMATION TO SHOW THIS BILL BELONGS TO ME. OTHER INFORMATION : They have been sending me bills for over 6 months. I have talked to them repeatedly. I have asked them not to contact me by phone, yet they called me twice at my business in the last week. I have sent them multiple letters : The last letter was very detailed - sent on XX/XX/2019. After this letter, they adjusted the amount they say is due to XXXX a month ago. I thought we were done. The next bill showed the amount owed adjusted to XXXX but with interest and fees still owed. Now really, that doesn't make any sense, does it? They adjust the charges to XXXX and then send me a new bill for interest and fees on an amount that is XXXX. When the bill is adjusted to XXXX it makes sense that a person would also not owe interest and fees an an amount that was XXXX. They adjusted the bill but didn't take off the interest charges. They should have adjusted the bill to XXXX and then removed the interest charges and fees also. This was most likely a computer error or someone was not thinking or paying attention, This week I get a new bill. The adjustments are gone and the amount has gone back up to the full amount. There is no explanation for how or why that happened. Frankly, I do not know what to do. There is no one there to talk to-there is certainly no one there who is listening. They may be pleasant and nice people, but they are totally incompetent or they are doing this intentionally. What I fear most is that this has happened and is happening to other people. Other people who may be intimidated by their overbearing efforts-who might actually pay bills they do not owe. In light of the fiasco of news generated by institutions like XXXX XXXX, I would think that financial institutions would be more careful and actually read and review correspondence sent to them, or would investigate the facts more completely. I would also like to know what my other options are : Should I contact the attorney general for their states? Should I contact anyone else? Should I proceed with legal action against them? Other than CFPB, do they have any other regulatory agencies statewide or nationally? How can I encourage their regulatory body to launch an investigation into their practices? Who should I talk to? I have wasted a lot of time and effort to try to get this cleared up and am getting absolutely NO RESPONSE. I feel the burden of proof is on them. If you want information ask them first. Naturally I would be more than willing to share my letters to them with you or any other facts you might deem helpful. Frankly I can not think of anything else to say other than what is above. PLEASE PUBLISH THIS LETTER FOR ALL TO SEE. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX XXXX
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
I have repeated asked the credit report agencies- XXXX, XXXX, and Equifax - to remove The Office of The Attorney General from my credit reports. My report shows there is an active case with the State of Texas and the Attorney Generals Office for child support and this is not true. There is no case. Further, one of my credit reports shows two cases, which is not true. Please help getting this removed from my credit reports. Thank you!
My report reflects fraudulent inquiries inwhich i did not make and I'm demanding that these unauthorized inquiries be removed immediately. 1 ) XXXX XXXX (XX/XX/XXXX ) 2 ) XXXX ( XX/XX/XXXX ) 3 ) XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 7, ) XXXX XXXX XXXX, ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 10 ) XXXX XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX )
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account listed on the pdf attach, 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
I have a invalid entries that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their negative accounts. I want to know this information because these accounts keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine. I have contact all involved parties the credit bureaus and companies to have accounts removed ; provided proof of payment and payment history. Proof is also attached to this complaint.
The In accordance with the Fair Credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights. 15U.S.C. 1681 section 602A. States I have the right to privacy 15U.S.C. 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Bad credit refers to a person 's history of not paying bills on time and the likelihood that they will fail to make timely payments in the future. For individuals it is often reflected in a low credit score. Having bad credit makes it difficult to borrow money, especially at competitive interest rates.
I've been working for 3 months to correct an error on my credit report. I was buying a home and realized Toyota Motor Corporation ( Lexus ) was reporting I owed over $ XXXX on an account closed in XX/XX/XXXX. When I disputed it, Toyota Motor Corp REOPENED the account, and all the credit agencies started reporting a debt and late payments for an account closed almost 6 years, an account for which I NEVER ONCE received a request for payment. When I was counseled by Toyota Motor Corp. on my options in XX/XX/XXXX, they advised me if I gave back the car they would sell it at auction, and sell off the remaining debt to a third party to whom I would have no obligation to. This is why I made the decision to voluntarily surrender the car in the first place. When I tried to correct this, the response from Lexus was this : " On XX/XX/XXXX, you communicated that you were unable to afford the monthly payments and requested a voluntary surrender. During that conversation, we explained the consequences of voluntarily surrendering the vehicle. You returned the vehicle to XXXX XXXX XXXX, and we recovered it on XX/XX/XXXX. We mailed a cure notice on XX/XX/XXXX, indicating that the account was in default for the XX/XX/XXXX payment. The vehicle was sold at private auction on XX/XX/XXXX. Unfortunately, the price we received at auction was not enough to pay your account in full and we notified you of the amount due ( {$14000.00} ) via written notice on XX/XX/XXXX. We attempted to contact you on numerous occasions to resolve the total amount due. Despite our continued efforts, the balance remained unpaid, therefore we charged off the balance in XX/XX/XXXX and reported it as such to the consumer reporting agencies ( CRAs ). It is important to understand that prior to the retail account being charged off, we continued to report the status of the account to the CRAs. As a result, your XX/XX/XXXX payment was reported 30 days past due in XX/XX/XXXX, 60 days past due in XX/XX/XXXX, 90 days past due in XX/XX/XXXX, and 120 days past due in XX/XX/XXXX. Our records do not reflect that we waived your obligations regarding the debt or re-opened the account as stated in your complaint. '' There are two things to call out here. First, they claim they send me a " written notice '' of money I owed on XXXX XX/XX/XXXX, tried to reach me several times to resolve, and then charged off the balance in XX/XX/XXXX. This only proves my assertion : They intended to just charge it off and not recover anything from me - there's no way all this can happen in the span of 2 weeks. Second, Lexus very clearly stated the last " delinquent payment '' was XX/XX/XXXX, the account was closed then, and they never reopened the account. Therefore, the credit reporting agencies must change their reporting to show this account was closed in XX/XX/XXXX per Lexus ' own statement.
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.
It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
InXX/XX/XXXX, I became a joint accountholder on my husband 's pre-existing checking account with XXXX. XXXX Our account number is XXXX. ) InXX/XX/XXXX, XXXX began reporting the status of the account on my credit report as " Current, was past due 60 days ''. This is a result of activity and payment history made in XXXX and XX/XX/XXXX prior to my designation as a joint signer/accountholder named on the account. Given that the reporting of this payment history negatively impacted my credit bureau reports and is inaccurate reporting since the activity took place prior to my being a named accountholder on the checking account, I submitted a dispute with Experian on XX/XX/XXXX. On XX/XX/XXXXI received a response that my dispute was denied by XXXX because the information reflected on the credit bureau report is accurate. On XX/XX/XXXX I submitted a new dispute, directly with XXXX for the same reason ; that the information reflected on the credit report is inaccurate since the activity being reported took place prior to my designation as a joint signer for the account. I subsequently received a letter from XXXX dated XX/XX/XXXX indicating that the inquiry can not be honored because " you are a joint signer for the above referenced account, both parties are equally responsible and the payment history will reflect accordingly. '' Again, I do not think this is accurate given that the account activity and payment history in question occurred prior to my designation as a joint signer on the account. I request that this inquiry is revisited to make the necessary updates to my credit bureau reports.
Submitted XXXX XXXX To Contact \| House Judiciary Committee Republicans XXXX XXXX http : //judiciary.house.gov/contact I'm still getting payment request by mail for XXXX Pre-approval account Laptop computer I didn't get in XXXX XXXX, I haven't request d a replacement for and I haven't ever activated any account credit cards. Request {$510.00}. XXXX nor it's Collector dud n't agree when I asked them by phone to track the laptop location to find its who has it. I called the Midland Credit Management XX/XX/XXXX stating I'm not paying because I didn't ever get the laptop. Request for payment from Midland Credit Management , Inc Midland Credit.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia Dept of Law Consumer Protection Division XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX www law.ga.gov XXXX XXXX XXXX XXXX XXXX XXXX FBI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Antitrust Dept. of Justice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ANTITRUST.ATR@usdoj.gov XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Customer Service; My name is XXXX XXXX, I havent received my ORDER placed XX/XX/XXXX. I received a XXXX membership offer in the mail that would have expired XX/XX/XXXX. I placed my order for the first time for one item XXXX XXXX XXXX XXXX XXXX XXXX Laptop, item # : XXXX for XXXX Laptop {$270.00} would be charged {$26.00} a month on my account. Balance after purchase owned to my account {$330.00}. Order # : XXXX Account Number : XXXX XXXX XXXX # XXXX. XXXX on Catalog info : Customer # XXXX Catalog # XXXX XXXX XXXX : XXXX. When I placed my order it stated my order would arrive by XX/XX/XXXX. Today XX/XX/XXXX I checked order status that stated my order was going to be delivered by XXXX and had been delivered. When I spoken to Customer Service by phone about my stolen order he stated it claimed delivered via XXXX but delivered by United States Postal Service Saturday XX/XX/XXXX. XXXX XXXX # : XXXX and United States Postal Service XXXXXXXX # : XXXX. I was here at my apartment where Ive resided alone since XXXX. I havent ever added another person to my Lease. Nor did the United States Postal Service or XXXX knocked on my apartment door to hand me any delivery. Nor put any notice of attempt of delivery in my mail box for me to pick up my order at a different location. In spite of me getting other orders directly at my apartment door. Im not willing to pay for any orders I havent received nor do I want any order or account credit card to be replaced. If I dont get my original order I will not be placing additional orders. Nor providing any payment method to my account to pay for stolen orders. I dont want to pay for stolen orders. No one has ever been give my permission to obtain, pickup, receive any of my mail or orders other than myself ever. United States Postal Service -Service Request # : XXXX. XXXX Police - Police Report # XXXX. XXXX XXXX # : XXXX. United States Postal Service XXXX # : XXXX. I will only accept my original order and account credit card NO REPLACMENTS. NO future orders otherwise. No one has permission to use my XXXX account other than just me. Thank you, XXXX XXXX Sent from Mail for XXXX
In accordance with the Fair Credit Reporting Act, XXXX account number XXXX, XXXX, XXXX has violated my rights. 15 U.S.C. 1681 Section 6 States, I have the right to privacy. 15 U.S.C 1681 Section 602 A, Section 2, I also state a consumer reporting agency can not furnish an account without my written instructions.
To Whom It May Concern : On XX/XX/2020, XXXX, TransUnion, and XXXX are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. FOR XXXX 1. There are multiple inaccuracies in this charged-off account. The high credit amount is inconsistent on my three bureau reports ; one bureau even has this amount as {$0.00}. There should be no past due not balance amounts associated with it but it shows {$320.00} as balance and as a past due amount. All these discrepancies make this account look totally unverified and incorrect. XXXX XXXX XXXX/XXXX Account Number : XXXX Delete this account IMMEDIATELY! 2. How did you verify this account when the collection agency stated they had no information on me? XXXX XXXX Account Number : XXXX Delete this! 3. This is a collection account so there should be no balance associated with it at all. How come this particular account shows a balance in the amounts which are by the way different for each bureau reports? It is no making any sense. XXXX XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information. FOR XXXX 1. There are multiple inaccuracies in this charged-off account. The high credit amount is inconsistent on my three bureau reports ; one bureau even has this amount as {$0.00}. There should be no past due not balance amounts associated with it but it shows {$320.00} as balance and as a past due amount. All these discrepancies make this account look totally unverified and incorrect. XXXX XXXX XXXX Account Number : XXXX Delete this account IMMEDIATELY! 2. This is a collection account so there should be no balance associated with it at all. How come this particular account shows a balance in the amounts which are by the way different for each bureau reports? It is no making any sense. XXXX XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 3. Why are the dates of last activity for this account do not match on my XXXX Transunion and XXXX reports? All information must be consistent on all three bureau reports as per FCRA. XXXX Account Number : XXXX DELETE THIS UNVERIFIED AND INCONSISTENT ACCOUNT. FOR TransUnion 1. How was this particular account got validated? I reached out to the collection company to legally verify this account but I never heard back from them. XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report if you are unable to supply me verifiable proof. 2. Why are the dates of last activity for this account do not match on my XXXX Transunion and XXXX reports? All information must be consistent on all three bureau reports as per FCRA. XXXX Account Number : XXXX DELETE THIS UNVERIFIED AND INCONSISTENT ACCOUNT
I am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX, XXXX and TransUnion ) credit report. My latest credit report shows 10 credit inquiry/inquiries that I did not authorize. These inquiries are over a year old and I was shopping for a car XX/XX/2018 from one dealership and they put all these hard inquiries on my credit with my consent. The number of inquiries exceeded what I expected. I felt pressured into getting car financed with dealership. These inquiries are affecting my FICO score and me trying to refi my mortgage.
Experian and XXXX credit reporting agency removed an account off my credit report which caused my score to decrease this account should have never been deleted off my reports. The credit card company is XXXX this account is in excellent standing.
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Wells Fargo Bank has my credit card mark as a late payment back in XXXX I called them to alert them to ask for a extension to pay the bill at a later date, Wells Fargo ok that I can pay the bill 20 fays later. And which I did, Next you know they mark me as a late payment. I would like to get that situation cleared up.
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made on XX/XX/XXXX. I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report.
Equifax, XXXX, and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. As Defined by The IRS Even if you didn't receive a Form XXXX, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 15 USC 1681 s-2 Says Equifax, XXXX, and XXXX is a furnisher of information to a consumer reporting agency. Equifax, XXXX, and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand Equifax, XXXX, and XXXX to Cease and Desist the reporting of incorrect/ inaccurate information immediately. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I am in the final stages of a mortgage refinance application with XXXX XXXX. There remains one outstanding document that details terms and conditions with my Personal Line of Credit with Wells Fargo. Multiple attempts to obtain this document have not been successful. The first attempt was made on XX/XX/2019. I was told that it would take up to 10 business days before I would receive the document. It never arrived. i re-submitted the request on XX/XX/2019 and again was told it would take 10 business days before I could expect delivery. Again, it failed to arrive. I reached out to the local branch in XXXX XXXX for assistance. A banker there tried to intercede on my behalf and called the credit line group at Wells Fargo. She inquired if they could send the document to her directly. This request was denied. I offered to pay for overnight delivery. This was also denied. I asked if the document could be downloaded to the secure message center on my Wells Fargo dashboard. Again denied. I then called the Mortgage / Equity Loan department who said that because this was a personal line of credit rather than a home equity loan, they could not help me. Next I called Wells Fargo Checking and Banking center who opened up a case with their case management team ( Case XXXX ) but was told it would be at least 3 weeks before they could address my issue. Wells Fargo 's reliance on " snail mail '' for transmission of documents is both poor customer service as well as a security risk. Sending financially sensitive documents via regular post office delivery is not secure and exposes customers to privacy and data breach risks
I have sent the credit reporting agencies and collection agencies many letters in XXXX and XXXX of 2023 to give me written notice regarding my debit. The credit report agency sent me a free copy of my credit report and thats all and the collection agencies never responded. Both agencies are in violation of 15 U.S Code & 1692. No one have sent me any written notice about any debit and all refuse to remove the reporting. Not only can I not apply for a home, car, or a credit card ; it has damaged my credit worthiness as a American Citizen.I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report and as a citizen I know that violates my rights as a federal protected consumer.
I finished my plan with XXXX around XXXX XXXX. I have paid all of my bills, returned all of the equipment and got a receipt. 1 year later I get a suspicious phone call from a dept collector saying i owe XXXX XXXX $ and I need to pay them the amount. right away I call XXXX and they told me that I do n't owe them nothing and the account was closed. I called up the collector and told them that I DO NOT owe them nothing and they told me that they have disputed the charge. 6 month later ( XXXX XXXX ) I get another phone call from the collector again, This time I told them that this is a fraud and they are steeling money from people. I hang up and called XXXX again, They have check every thing and assured me that there is no charge owed or requested to collect. I called the collector again and told them the story, The representative told me that she will dispute the charge. I called one week later ( XXXX/XXXX/XXXX ) to check that they took me off the system but they DID NOT. I told the The representative to dispute the charge and he told me that he will do it and when I asked to get a confirmation letter or # he refused to give me one and put me on hold for 1 hour. I hanged up and call again to fine that the next representative will do the exact same. Thanks
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 AUTO FIN 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!
I have a lot of hard inquiries on my credit report that I disputed with the three major credit bureaus. I also disputed them with the companies that submitted the hard inquiries. Second I an account that shows late payments that is incorrect.
Re : XXXX XXXX XXXXXXXX XXXX XXXX Serious Problems VIN : XXXX I submitted this letter in XXXX of XXXX, the following : ( 1 ) XXXX XXXX XXXX of XXXX, TXXXX, and ( 2 ) XXXX XXXX XXXX XXXX. XXXX XXXX XXXX was provided too XXXX XXXX and XXXX XXXX, in XXXX of XXXX!! As the car finance company, XXXX XXXX proceeded to do nothing about my constant attempts to resolve the serious problems, I was having with my XXXX XXXXXXXX XXXX XXXX. My XXXX XXXX XXXXXXXX XXXX had multiple Transmission and Air Bag Problems including the following : Air Bag Problems include the following : ( 1 ) poorly functioning and ( 2 ) pop-out of position while driving or at a complete stop. Transmission Problems include the following : ( 1 ) made loud noises, ( 2 ) vibrating and shake during driving, ( 3 ) CVT slipping, ( 4 ) chokes-jumps when accelerating, ( 5 ) failure to go into reverse, and ( 6 ) transmission failure-stopped completely died on the highway. XXXX XXXXXXXX XXXX XXXX CVT transmission. Despite XXXX recalling XXXX XXXX XXXX vehicles, I XXXX XXXX XXXX, never received any type of Notification the Recall!! XXXX recalled nearly XXXX model-year XXXX XXXX XXXX due to Bad transmission. In XXXX, my car started making Horrible noises from the vehicle transmission. Despite XXXX recalling XXXX XXXX XXXX vehicles, I never received any type of Notification the Recall!! XXXX recalled nearly XXXX model-year XXXX XXXX XXXX due to Bad transmission. In XXXX, my car started making Horrible noises from the vehicle transmission. During late, XXXX and early XXXX, my XXXX XXXX transmission problems progressed to the point where after stopping completely, it had to slightly accelerate so that the rpms would drop then reapply the accelerator. I never received any Notification of XXXX issued Service Campaign Bulletin XXXX, Service Campaign for the XXXX XXXX XXXX XXXX. This campaign was issued to address noise, vibration and poor acceleration caused by belt slippage in the XXXX transmission with the fix reprogramming of the XXXX XXXX XXXX ( XXXX ). XXXX then issued Technical Service Bulletin ( TSB ) XXXX XXXX to address Judder on Deceleration Under 15 MPH. During the last 6-plus years, XXXX XXXX reported and destroyed my Credit and by sending negative notices to all three Credit reporting Organizations Bureaus!!
XXXX XXXX XXXXXXXX XXXX XXXXXXXX These accounts are recorded in an inappropriate way in my history, I want it to be deleted
I am writing in regards to the following information that appears on my consumer report : Account Number or other information to identify account : Account Name : XXXX XXXX Account # XXXX Date Opened XX/XX/2018 Balance {$650.00} CONTACT INFORMATION XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Explanation of item being disputed : I entered into the cellular service agreement in XX/XX/2018, I was advised to not incur new debt, and returned the device XX/XX/2018. The XXXX Service Agreement indicates the following policy : I acknowledge that I was provided an opportunity to review my completed Installment Loan Agreement ( ILA ), including 24 monthly payments and my right to cancel within 14 days. I returned the device within the 14 day window ( 7 days from purchase ), and therefore ended the service contract. See attached 1 ) service agreement indicating the policy above, 2 ) bank statement indicating my credit from XXXX XXXX, 3 ) and return receipt from XXXX XXXX. I do not owe the amount and would like the entry removed from my credit reports and no further collection action to occur by XXXX or Convergent Outsourcing. When I contacted XXXX, they've written it off to Convergent Outsourcing ; I have provided them the same information and disputed this with XXXX and XXXX. I am attempting to rebuild my credit after a bankruptcy, but when I called I was just told " this isn't in my bankruptcy. '' I made it clear I was not saying it was. The phone was returned within the return period outlined on the contract. The have continued collection efforts.
There is an account now reporting with XXXX XXXX for a XXXX account showing that it opened in XX/XX/2018 and this is an aged account. There has been no service with XXXX in over 7 years. For whatever reason it keeps getting passed around and then reports new but the initial collections occurred over 7 years ago. This should not be listed.
This was not sent in error, I am XXXX XXXX, a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit repoRT and. Unauthorized use of my credit report I demand deletion of the items and information
I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. XXXX XXXX Balance Owed : {$470.00} ; XXXX XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$480.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
In accordance with the fair credit reporting XXXX XXXX Acct # XXXX has violated my rights. 15 US C 1681 section 602 A states I have a right to privacy. 15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XX/XX/2021, XXXX alert that Equifax received an attempted ( Attempted Bank/Credit card inquiry ) inquiry about my credit score from XXXX XXXX XXXX ( assuming XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX. This inquiry was blocked by my, self imposed, credit lock ( XXXX Credit lock ). I called XXXX XXXX and they denied any inquiry was made about me. XX/XX/2021, second XXXX alert that showed an Equifax inquiry was made from same bank above and XXXX XXXX XXXX XXXX XXXX got a copy of my Equifax credit report XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX VA XXXX. I again called XXXX XXXX bank and they again assured me they made no such inquiry and was instructed to call Equifax. I called Equifax and they confirmed the inquiry from XXXX XXXX Bank and i was then instructed to file a fraud report to the FTC and was redirected to this filing internet page. In order to remove the fraudulent/inadvertent inquiry I was instructed to send copy of this report back to Equifax.
I recently turned XXXX years old and attempted to get cell phone service in my own name. I was ultimately denied due to having a collections account. I never had any credit in my name so I knew it was a mistake. I pulled a copy of my credit report, and noticed there was a charge-off from Capital One dated in XXXX. In XXXX, I was sixteen years old and have never done any business with Capital One or any of their affiliates. I contacted Capital One multiple times between XXXX and XX/XX/XXXX, provided a copy of my ID that showed my date of birth, as well as the ONLY address I have ever lived at. The date of birth and address that they were reporting were not mine, yet they have refused to remove this account stating based on their records it was my account. The continue reporting this fraudulent account with incorrect information which is harming my credit before I can even establish any.
For the last four months I have sent dispute letters, validation letters to creditors for items tha are being reported on XXXX and TranUnion for unauthorized inquiries on my Credit Reports. Today which is XXXX I called XXXX and TransUnion only to be talked to rude as XXXX by the representatives. All of my information was involved in the breach and the inquiries that are on my credit reports are unauthorized from fraudulent activity. XXXX removed two but then the rep proceeds to tell me that she ca n't remove the other two because I have to contact the creditors. Well if this was the case or even true then why did she remove the two she removed? No inquiry that is on my TransUnion Credit Report is authorized by me. The rudeness I encountered today was beyond words. I called XXXX and the rep was so rude she would n't even let me get a word in. She then tells me that XXXX is not authorized to remove inquiries, I sat right next to my husband as he talked with reps from XXXX and TransUnion that removed his inquiries without any hesitation. He gave the reps the exact same reason I gave them to have his inquiries removed. The inquiries are preventing me from establishing my credit and stopping me from moving forward in my business. I just want the unauthorized inquiries removed.
Early last week on XX/XX/XXXX I received a summons for a law suit that has been filed against me. I called the number on the summons and it stated that I owed a debt from XXXX, in the amount of XXXX. I reached out to the number on the letter and advised them that I have not received any information on this " alleged debt ''. I am responding to this law suit as sufficient information has not been provided as I have requested. On XX/XX/XXXX I sent an email to XXXX XXXX XXXX XXXX about this debt asking for verification and validation and prescribed by law because as I stated before I have not received any. In addition to this I see an additional entry on my credit file for this same debt. This is a clear violation of FDCPA and the Frank Dobbs act in addition to the UCC. This is not only " reaging '' of old debt, but this is also a violation of communication because I have not received any mail to such claim. Section 1036 of the Frank Dodd act of 2011 prohibits covered persons and service providers from engaging in unfair deceptive or abusive acts or practices. This act also prohibits abusive practices. This is a an abusive business practice and deceptive. The state attorney general can also sue your company for unfair and deceptive practices. Deceptive practices are defined as a representation omission or a practice that is likely to mislead a consumer acting reasonably under the circumstances. Legal and unfair practice is any or all practices that causes or is likely to cause injury to consumers where the injury can not be avoided by the consumer. This is unauthorized billing that caused substantial injury. To measure unfairness, An legal assessment of an Unfairness test requires weighing cost and benefits of business practice. This particular practice resulted in substantial injury to my person. The cost outweighs the benefit and that is what legally makes this practice unfair. I do not have any legally binding contract with. Therefore your inaccurate and invalid entry on my credit is considered material to my decision making in terms of all credit related purchases I am being penalized twice for a debt that is not only unverified but also is not valid. Once again this is against the law. I demand that XXXX XXXX XXXX XXXX remove this erroneous, inaccurate, unverified information from my credit file. I am handling the law suit separately and I plan on pursing that issue and seeking all damages under the FDCPA as I can get and will also publish this information where appropriate. Please see attached that has already been sent further asking for verification, which to this date has been unanswered. Sincerely, XXXX XXXX Without Prejudice UCC 1-207/1-308
[ XXXX XX/XX/XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX, mi, XXXX ] XXXX XXXX XXXX Assistance Department XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Capital XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX of XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Capital XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXT XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Veterans XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are listed. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( XXXX ) of that information. I appreciate your prompt attention to this matter, and await your reply. Sincerely, XXXX XXXX XXXX XXXX
I purchased the car in XX/XX/2019 through Fifth Third Bank with the first payment of {$380.00} due in XX/XX/2019. I am a XXXX XXXX Service Member and received reassignment orders to report to XXXX XXXX in XX/XX/2019 and called the Bank in XX/XX/2019 to set up automatic payments for the car loan. My understanding was that the automatic payments were scheduled for the duration on my tour overseas. I checked my bank account in XXXX and XX/XX/2019 to ensure the car loan payment was deducted. On XXXX XXXX my daughter called me to inform me that my car was being repossessed for nonpayment and after reviewing my bank statement I discovered that the automatic payments stopped in XXXX. I called Fifth Third Bank as soon as they opened the next morning and was informed that the automatic payments were only for 4 months and that the loan was behind since XXXX. I never received any notice from the bank that the payments was late and the loan was in default, I did not receive mail, email or telephonic notice to inform me that there was an issue with the automatic payments even though I informed the bank that I would be relocating oversea and would not have telephonic means of communication. The bank states that they tried to reach me on my old phone number, even though I informed them that the phone would not be in service while overseas after XX/XX/2019. The best way to make contact with me is through email or mail and I did not receive any notice from the bank even though I have another instalment loan with the Bank in which I do receive email communication and updates on that loan.
Can you please help me to resolve this matter. Just found out on my consumer file that Experian has furnished a Bankruptcy on my credit file. This was done without XXXX XXXX and has violated my right to privacy. I have contacted the XXXX XXXX and they have stated they did not share this information with Experian or XXXX XXXX the company Experian used to furnish the information, which was also done with out my permission. With this Bankruptcy being on my account I have lost personal funding opportunities for me and children to purchase a home. I have called XXXX XXXX and Experian numerous times and emailed their CEO XXXX XXXX and XXXX XXXX. They refuse to do anything about it. They have me on hold for a long period of time and then hang up on me. Please help me with this matter.
This car loan isn't mine the colonial auto finance says I pay XXXX month it maybe on time but it isn't mine. Also all the inquiries are right I only applied for XXXX XXXX XXXX didn't give permission for the other ones for 2022.
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. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, *Account name : XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
XX/XX/19 a debt collector called me, I said I would call them back after the holidays to set up a payment plain and he became rude and started insisting that I pay the debt in full at that time. He keep going on and on harassing me. I called back later to request a different person that I could work with to resolve my debt and a person by the name of XXXX XXXX started yelling at me and being abusive about my outstanding debt and how long it had been outstanding. He was not will to work with me and I again request a person that was not abusive. I have tried to contact the administrator there and keep getting XXXX XXXX. He caused me of things that were not true. The other very rude persons name was XXXX. Thank you
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Washington XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to formally dispute and seek the enforcement of my legal rights regarding several violations that have adversely impacted my credit report and financial well-being. The violations involve the following creditors and their corresponding account numbers : Creditor : XXXX Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry Creditor : XXXX Account Number : XXXX Violations : Multiple violations including improper reporting, inaccurate information, and violations of debt collection practices Incorrect Personal Information : Incorrect Address : XXXX Wine XXXX XXXX XXXX XXXX, XXXX, WA XXXX Violation : Incorrect Reporting of Personal Information These violations have caused me immense distress and have had a significant impact on various aspects of my life. Allow me to share a personal story to illustrate how these violations have affected me emotionally and financially. In early XXXX, I embarked on a journey to secure a mortgage for my family 's dream home. Having diligently maintained my credit history and financial obligations, I was shocked to discover that my credit report contained erroneous and damaging information. The unauthorized inquiry from XXXX on XX/XX/XXXX, further deepened my concerns about the security of my personal information. The account with XXXX, bearing the account number XXXX, has been a source of constant distress. The numerous violations surrounding this account have led to inaccurate reporting of my financial standing. The account 's involvement in litigation, the incorrect high balance, the inaccurate date of last activity, and the various other violations have painted an unfair and inaccurate picture of my creditworthiness. Moreover, the incorrect personal information, specifically the incorrect address listed as XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, WA XXXX, has caused confusion, potential identity concerns, and has further eroded my trust in the accuracy of the information presented on my credit report. I kindly request your intervention and enforcement of the legal protections provided by the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant legislation. It is my earnest belief that these violations must be rectified promptly to restore the accuracy and integrity of my credit report. I respectfully urge the Consumer Financial Protection Bureau to use its authority to ensure that these violations are addressed in accordance with the law. In light of the violations highlighted above, I request that the concerned creditors undertake the necessary steps to promptly remove the unverified accounts from my credit report. It is my hope that through your intervention, these discrepancies will be corrected and my credit report will reflect an accurate representation of my financial history. Thank you for your attention to this matter. I look forward to a timely resolution that will alleviate the emotional distress and financial challenges I have been enduring due to these violations. Sincerely, XXXX XXXX
My Citibank credit card was closed in around XX/XX/2018, XX/XX/2018 with credits from Citibank due to them mismanaging my credit card account the account was paid in full. They are report inaccurate information on my credit file I have reach out to them to adjust the inaccuracies they have not. they are showing numerous late payments on my credit file which is in the attached files along with the letter showing the account was satisfied on XX/XX/2018.
I instructed the bank to close my Regular Savings Account and to transfer all the funds from Regular Savings to my Checking Adv Plus account. Unfortunately they made a mistake, they transferred funds as instructed, but they closed the wrong account ( Checking XXXX XXXX account ), they closed the account that had all my funds and I was left with no access to my money and no one knows where the money was transferred to. I have XXXX Balance in both accounts. I was on call with XXXX agencies XXXX after the other for almost XXXX hours and they could not resolve the issue.