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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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

XXXX card paid off in XXXX was sold years later to 3rd party claiming not paid off. Sent in papers proving this to all parties including credit reporting agencies. The debt was removed in XXXX by all bureaus after a thorough investigation, multiple faxes showing a letter from XXXX stating it was paid in full including attorney letter that we got involved. Now last few months, I and my wife 's phone are getting different 3rd party threatening phone calls with no paperwork mailed to me, no notices whatsoever, just fake phone numbers that appear to be local, but are actually XXXX numbers. The latest was from MSK and Associates XXXX but the number showed up on my caller id as XXXX from XXXX Tn.We lost paperwork in the Hurricane Harvey, but proof is listed on all credit bureaus and with previous third party companies that I faxed all our papers to. So tired of these harassing companies illegally selling and passing our information from place to place on old, paid off, out of statutes of TN debt collecting laws. Please stop them.

Please remove personal information from my credit report, name is incorrect and also the address listed on the credit files doesn't belong on my credit report. On the attachments below i uploaded a few documents showing my physical address and also a copy of my credit report with the errors that's on it circled, Plus many more important documents is attach to it. According to the act, there shall be no charge for this updated report. I also request that you send notices of corrections to anyone who received my credit report in the past six months. These are clear violations of my federally protected consumer rights. Thank you for your time and help in this matter

XX/XX/21 XXXX XXXX called me while I am high risk and XXXX harassing me about a {$6000.00} debt that my father supposedly owe. I have nothing to do with my fathers expenses nor do I live with him. He was threatening me with bringing both my dad and I to court when Im not even on the debt or have anything to do with it. He was threatening to seize my dads property saying that its illegal as my deceased mom is still on it. He caused me such distress with his antics, threats and harassment that I ended up in the ER due to him causing me a XXXX XXXX and my XXXX racing. He even told me to pay {$4000.00} as a settlement to have this just go away when the debt has nothing to do with me.

There is a message on each Bureau " extended alert '' consumer has requested an alert be place on my credit file, do not extend credit without first contacting me personally and verifying information. While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. see attachments I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Today ( XX/XX/19 ) XXXX called 4 time consecutively starting at XXXX, XXXX, XXXX, XXXX. I was at the post office and couldn't talk but on the 4th call I picked up thinking that it may have been the camp my daughter was at to tell me something had happned. When I picked up, they hung up. I called back and spoke to a representative and advised her that they just called my 4 times in a row and wanted to know what they needed so urgently. She said that their records showed they had only called me once today. I informed her my records show 4 times with in 2 min and I would be reporting them for harassment. She again told me they had only tried once today. Please note that somehow their system is not logging all calls dialed out. I do have records that will show the date and times they called.

On XX/XX/XXXX I transferred {$7000.00} from my CoinZoom Debit card ending in XXXX to XXXX. A few minutes later, I meant to send the {$7000.00} to my XXXX XXXX Checking account, but instead sent the money back to my CoinZoom Debit card ending in XXXX as that was the payment source that was currently linked to my XXXX account. Please note that the amount sent from XXXX to CoinZoom was {$6900.00} ( the bank statements show {$7000.00} as there was a {$100.00} fee to transfer the cash out to CoinZoom ). I've attached an XXXX file listing all transactions going in and out of my XXXX Account. I've also listed a snapshot of my XXXX and XXXX activity showing the transaction leaving my XXXX account on XX/XX/XXXX at XXXX MST and never being returned. XXXX confirmed that the {$6900.00} was sent to CoinZoom and provided the Retrieval Reference Number : XXXX to help trace the deposit. Then After multiple follow-ups and over a month of waiting I finally received the missing {$6900.00} on XX/XX/XXXX deposited in my CoinZoom account. Then on XX/XX/XXXX, when I logged into my Coinzoom account, CoinZoom made a " ACH Adjustment '' for a negative - {$6900.00}. They removed my {$6900.00} in funds and never provided an explanation as to why they credited my missing funds and then decided to take it away a week later. I've reached out over XXXX times in the last XXXX months and they still have not resolved this problem. I've also sent XXXX messages in the past 60 days requesting them to provide an update and they haven't responded. I even provided them with a Business to Business phone number that XXXX XXXX provided me ( XXXX ) XXXX to work with them on locating the funds and they haven't made any attempts to remediate the issue. I'd like to have my {$6900.00} in missing funds returned to me immediately.

I purchased a pair of shoes from the merchant through a mail ordr catalog, XXXX ) a subsidiary of XXXX. After weraing the shoes twice they fell part literally and I called customer service about the issue and was instructed to return the shoes for a full refund, as of today I have yet to receive my refund. Since I returned the shoes via USPS, this debt is not owed and the merchant owes me a FULL refund. This is an illegal demand for payment and in direct violation of the FDCPA

I did not consent to authorize nor benefit from these account ( s )

Ever since the government started promising to forgive student loans, my interest rates have risen on both my American education services loan and my private XXXX loans. I feel they are doing this to get the most out of the government forgiveness prior to being forgiven and increasing amounts due to them from the borrower, in the meantime.

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. ENHANCED RECOVERY CO L XXXX Balance {$1900.00}

UNDER 15 USC 1681i ( 7 ) Method of verification this account is in viloation it was reported without valid evidence Under 15 US CODE 1681a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation any credit transactions supposed to be excluded from a consumer credit report if a social security card was used in transaction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

There is a discrepancy in the reporting of a late payment for this account for XXXX of 2020. I contacted Capital one to discuss the inaccuracy but it is still reporting as a negative on my credit report. This inaccurate information is in violation of FCRA and to me as a consumer. There is no proof that I was late. Attached is a screenshot of the account from my credit report which shows the inaccurate information.

I purchased a boat almost a year ago. My due date is on the XXXX, and I have made my payments every month - no exception. My last payment was made on the XX/XX/XXXX and should have satisfied the XX/XX/XXXX payment. Unfortunately, and unbeknownst to me, the billing cycle closed on that day and it was counted in the previous cycle and therefore did not satisfy the XX/XX/XXXX payment. When an associate called to advise that my payment was " late, I was taken by surprise. We had this situation in XX/XX/XXXX of last year because I made a payment on the XXXX. They advised to make payments after the XXXX. They stated that the closing date varies, but that I would be fine if I made the payment after the XXXX. This is what I have done!!! Now we have talked to three associates and they are refusing to correct the posting to the following day so that it will satisfy the XX/XX/XXXX payment. They have given no explanation as to why they wouldnt do it just that they have done it once and ABSOLUTELY will not do it again. Moving the posting date of that payment doesnt negatively impact anyone except for me Synchrony collects interest on the balance of the loan for one extra day at a higher balance. This unwillingness to repost this payment is unfair and deceptive. They know that the payment I made was intended to satisfy the XX/XX/XXXX payment, as they received the XX/XX/XXXX payment on XX/XX/XXXX. When I asked to speak with a manager, they advised that it would take 3-5 business days to speak with a manager! I MAKE A PAYMENT EVERY MONTH - they should not be attempting to collect the XX/XX/XXXX payment when the payment they received onXX/XX/XXXX was to satisfy the XX/XX/XXXXpayment. They did not correctly inform me of the closing date, and this is their error and miscommunication. Their error could result in negative credit reporting ... this is not fair!! I have made a payment every month!

Transunion page 10 of 11 File Number XXXX alternative credit inquries inlast 3 months 2 and last 6 months 2 I have not applied or requested credit for nothing.

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the XXXX XXXX XXXX is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, FL XXXX Social Security Ending In XXXX

Submitted online application to XXXX for small business checking on Monday XX/XX/2020, with all necessary documents including federal EIN. Crickets. Not a single email after the initial receipt. Friday I logged in again, looked for some sort of contact info, found none ( which is super sketchy ), and was prompted by the website to take a " survey '' to which I responded it was sketchy not to give a solid estimate of application turnaround or a way of contacting them about the application. Immediately after submitting the survey, I received an email saying " we are reviewing your application. '' A couple hours later, application rejected, with no explanation or offer to provide explanation. Very obviously due to my critical review.

I am a victim of Identity Theft. An unknown person has been using my identity to open bank accounts, rent houses and apartments, open credit cards, obtain loans and other fraudulent activity. They have been using my identity to my knowledge since 2016. Accounts opened fraudulently in my name includes XXXX XXXX ( XXXX ), XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX and more. There have been addresses on my credit reports, jobs, businesses and telephone numbers that have been fraudulently used without my permission. I have tried contacting these companies to report the problem but they all respond with " I am liable for the account '' based on their " payment history information ''. I have disputed these accounts With XXXX, XXXX and Equifax. XXXX has successfully updated and deleted the fraudulent accounts from my credit report. XXXX as also deleted some accounts from my report excluding XXXX XXXX XXXX ( XXXX XXXX ) which still remain on my XXXX report after multiple disputes and Identity Theft Report sent. Equifax have not removed anything from my credit report after calling and disputing the fradualnt transactions by phone and sending 2 deputes by mail with NO RESPONSE! Someone has been living their life for years pretending to be me, using these accounts to live a normal life while I suffer unable to get jobs, apartments, credit cards etc because of Identity Theft. Under the Fair Credits Act 15 U.S.C. 1681, I am requesting this information to be removed.

Disputed some items on my credit 45 days ago that has yet to be remove or proof that the accounts belong to me in the first.

Reporting inaccurate information

My name XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company - without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.

XXXX XXXX XXXX is reporting three accounts on my credit report that I have disputed directly with them on XX/XX/22, after my dispute to Equifax, XXXX and XXXX about on XX/XX/22. XXXX and XXXX have deleted the accounts, but Equifax has not deleted the accounts nor have they responded with any status of their investigation. XXXX XXXX XXXX also has not responded to my direct request for information regarding the three accounts.

Falsely gave permission to the following parties, using forged consent, to create hard iniquities on the following reports : XX/XX/2023 XXXX XXXX XXXX XXXX Credit Report XX/XX/2023 XXXX XXXX XXXX XXXX XXXX Credit Report. XX/XX/2023 XXXX XXXX XXXX Credit Report. XX/XX/2023 XXXX credit file locked for security reasons. XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX Credit Report XXXX XXXX : Organization : RateGenius , Inc . XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Country XXXX XXXX XXXX : XXXX Fax : XXXX Email : XXXX XXXX

About a week ago, I received a letter from Allied Int ernational Credit Corp.with my name, and sent to my pa rents house, not even my address. The letter basically says that their client has tried multiple times to get me to pay this debt and now it is with them. They say it is from my XXXX account. I have n't used XXXX in years. the bill is for {$37.00}. I sent the letter to XXXX and they verified that this was a scam. " The email is a spoof, also known as a " phishing, '' email. ( That 's phishing, as in " fishing '' for personal information. ) It did n't come from XXXX . Our Trust & Safety t eam is working to disable any websites it links to. " - XXXX email

I disputed a collection account that is listed on my credit report by CAVALRY PORTFOLIO SERV. XXXX XXXX XXXX, XXXX, AZ XXXX. They are attempting to collect an alleged debt that I do not owe.

American Express ( or their representatives ) have repeatedly called my phone number via an auto-dialer attempting to collect a debt from an individual, XXXX XXXX. I am not XXXX XXXX and have shared this information on multiple occasions. They tell me that my phone number was given as a number for " XXXX XXXX '', even though I've owned this phone number for some time. Each of the 10 times this company has called, I have told them this number is not XXXX 's. They have told me they will continue to call to attempt to collect " XXXX 's '' debt. When I told them that what they were doing was " illegal '', they continuously denied that what they were doing was illegal and that they could take any action necessary to collect the debt. At this point, this is harrassment. I'd like American Express to abide by fair debt collection practices. The vendor uses local number - XXXX.

My capital one credit card account was charged an annual fee on XX/XX/XXXX. When I saw the fee on my account I called on XX/XX/XXXX to address the issue. I was told they can not refund the fee without canceling my account. I agreed to cancel my account and was transferred to a supervisor. The supervisor told me I would lose the rewards associated with my account and I could have a check sent to an address. I asked instead to have the value credited to my account. When she told that was okay and asked me to confirm having the money added to my account. When told the conversion value of the rewards I was very surprised at how low the value was. I asked what other options I have, and she said it was too late you already confirmed. I am now in a position where I can dispute my rewards, but the requires me to leave the account open which means I'm going to be charged a fee. I feel like I'm being held XXXX by the credit card company. It's bad enough I'm going to have to impact my credit score to dispute the fee. The monetary value involved is low, but the behavior of Capitol One in this case feels predatory.

the following accounts and collection ( XXXX XXXX / XXXX XXXX ) and ( XXXX XXXX ) are inaccurate and fraud and wrongful accounts reporting under my name, these are not mine, these were opened with out my knowledge and equifax has not been helpful in this matter, i will be attaching these documents for which i have also provided to equiafx as well, please help me as a consumer to look in to these careful and delete these wrongful reporting from my name. i would greatly appreciate. thank you

I have been Speaking To Citizens Bank about a Fraudulent on my Card about XXXX Time information and the person that Answer the phone She Just hanged up on me five times and Nobody Care of taking actions and they just. Ended up moving on and I have. Toldeed them the Fraudulent and I will like to be Filed claim and they have hanged up on me

To whomever it may concern, I have XXXX American Express cards, both of which have been affected by problematic junk fee charges based on situations related to banking administrative errors, rather than lack of funds for payments. Complaint ID : XXXX was filed for a similar situation with my other AMEX card XXXX The excessive junk fees charged to my AMEX cards for an account that is : ( XXXX ) in good standing and never missed a payment/had late payment. ( XXXX ) only had payments returned because of negligence on the part of XXXX XXXX. I had several issues with my XXXX debit account this year, which led me to sending a message to XXXX inquiring about potentially closing the account. They responded saying they were closing the account once it hit XXXX balance. In fact, the messaging from XXXX XXXX said : " The account will close when there are no pending transactions and there is a XXXX balance. If your account has a positive balance, we'll mail you a check for the remaining funds XXXX business days after the account is closed unless you transfer those funds to another account. '' Because this account is a secondary account in which I do not keep much money, I decided to just spend the remaining money on payments towards my credit cards and transfer the remaining money to XXXX of my XXXX XXXX accounts. XXXX XXXX then proceeded to deny my transfers to XXXX XXXX in addition to denying my credit card payments, despite there being more than enough money in the account to cover the costs. Although American Express is not liability for XXXX Bank 's administrative errors, AMEX is liable for continuously charging inordinate fees for issues that are well beyond consumer control. They did something similar to me last year when XXXX XXXX had to change my account number due to fraud. Not only does AMEX charge a fee for such an error, they charge XXXX FEES for a single payment, amounting to XXXX {$29.00} charges ( {$87.00} ). This is essentially an {$87.00} charge per mistake of another banking institution. This is clearly predatory behavior, and likely illegal under consumer protection laws. I am currently in XXXX, but before I left the country, I called AMEX on XXXX separate occasions, wasting over an hour of my time on hold for them to say they will " escalate my concern, '' only to do absolutely nothing to address the inordinate fees charged to an account of a responsible customer that has never had a late payment on the card.

There is an account listed as in collections and past due by XXXX XXXX XXXX for the amount of {$1100.00}. I have no knowledge of this account and requested by mail, that the company they remove this account and provide proof that the information is in fact accurate including all account details. They did not provide any of this information as requested, and closed dispute marking all information as accurate.

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

I have submitted disputes to Experian, XXXX and XXXX regarding inaccurately reported late payments for accounts that were in forbearance. The accounts have since been closed but the accounts late payments are still reporting inaccurately. In addition to that, other information is reporting inaccurate as well just as the date of late payment and date the account was open. The bureaus have failed to provide me with detailed information regarding the verification and proof of the verification. I have spoken with countless representatives at all three bureaus as well as the lender.

On or around XX/XX/XXXX, I received a letter from the collection agency, The XXXX XXXX XXXX XXXX, stating that they were trying to collect a debt ( {$360.00} ) that I had with XXXX XXXX XXXX XXXX. ( XXXX XXXX XXXX ). And they will use any information I give them to collect the debt. Ref. # XXXX - My name as seen on the account : XXXX XXXX XXXX. Additional collection agencies whom I received the same type of letter : XX/XX/XXXX - XXXX XXXX XXXX - {$570.00} ( Original creditor XXXX XXXX XXXX. regarding XXXX XXXX XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX. - ref. # XXXX - {$320.00} - regarding XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX - {$320.00} - Regarding XXXX XXXX - Ref. # XXXX XX/XX/XXXX - Firstsource Advantage , LLC - {$710.00} Re : XXXX XXXX XXXX. - Ref. # XXXX In accordance with the Fair Credit Reporting Act, the list of accounts attached have violated Federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 15 U.S.C. 1681 section 602 A, states that I have the right to privacy. 15 U.S.C. 1681 604 A section 2 : States that a consumer reporting agency can not furnish an account without my written instruction. 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 7 years. 15 U.S.C.s 2 ( A ) ( 1 ) states a person shall not furnish any information relating to consumer t5o any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. See attached supporting document.

I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

I am currently at school and starting XXXXl school this fall. I work as a XXXX XXXX to sustain myself in the interim. Due to the COVID-19 outbreak, all of my hospital interpretation assignments got canceled. In light of the pandemic, I reached out to my private student loan issuer Sallie Mae to ask for forbearance. I have two loans with them. They did give me a substantial time, however XXXX! ), they refused to remove the interest rate which now stand@ 10.375 % and 10.875 %, respectively. Considering that the government has dropped the interest to ZERO, I deem Sallie Mae 's usurious interest gouging as unconscionable and un-American. You have the authority to investigate any such immoral behavior and I urge you to do it and advocate on behalf of the American people who are working tirelessly to put bread on a table and pay taxes. I don't know where to start about my frustration and am fully aware of the term " private '' loan, but to charge interest at such dire economic downturn is absurd. Please please stand up for us.

I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified ' that I have disputed. Please resolve this manner as soon as possible. Thank you.

There are XXXX XXXX XXXX on credit report XXXX for {$5800.00} and XXXX for {$1400.00}. These incidents occurred on XX/XX/XXXX. These were billed to insurance and no debt is owed. I have tried to work with company to get this removed with no avail. They also keep moving the open date which is currently showing XXXX so that it stays on credit report. Both of these should be removed as they are over XXXX XXXX XXXX. There is no way of me to pay or charge insurance again as XXXX XXXX does not even have records of this visit anymore or the insurance.

XXXX XXXX XXXX XXXX is showing inaccurate information the balance is incorrect and also still showing Disputed multi times with transunion and they stated its accurate i attached info showing my balance and that whats reporting and how is incorrect i asked for this to be Deleted from my report

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}

I XXXX XXXX NEVER GAVE THESE AGENCIES ANY CONSENT OR AUTHORIZATION TO REPORT THESE ACCOUNT TO MY CONSUMER REPORT. I HAVE WRITTEN THESE AGENCIES 3 TIMES AND THEY HAVEN'T FIXED MY REPORT. XXXX, TRANSUNION, XXXX ARE BREAKING THE LAW UNDER 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT. IM A PROTECTED CONSUMER AND KNOW MY RIGHTS

15 USC 1681 Section 602 I have the right to privacy. 15 USC 1681 Section 2 : It also state a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B A creditor may not treat a payment on a credit card account understand an open end consumer credit plan as late for purpose.

XXXX XXXX {$180.00} This company reported the issue to the credit bureaus

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS from my credit report immediately.

In accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights. 15 U.S.C 1861 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.

In Accordance with the Fair Credit Reporting Act ; I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported other than my legal name : FIRST AND LAST NAME, DELETE NOW name identification number # XXXX and XXXX on EXPERIAN reported as of XX/XX/2022 ; or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.These inaccurate names violate my federal protected rights, FACT ACT TITLE 1 SEC. 151 and confidentiality under 15 USC 1681. Additionally, 15 USC 1681 604A Section 2 states a consumer reporting agency can not furnish account without my written instructions.

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

There is a debt/charge-off still reporting on my consumer report where XXXX XXXX, XXXX XXXX had agreed to dismiss debt in the court as of XX/XX/2022. This debt/charge-off should not be on my consumer report.

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

The company I am having an issue with is XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, CA XXXX I moved out of my apartment in XX/XX/2018, with one month of my lease remaining. I was unable to pay my rent, and after receiving a pay or quit I chose to quit. I cleaned the apartment and left. They kept my all {$1300.00} deposit, which was the two months rent I owed, and then sent me to collections with a company called IQ DATA INTERNATIONAL for over {$8000.00} of random and unitemized fees around XX/XX/2018. They are currently not answering my calls and have blocked my online access to the lease I have with them. This is preventing me from gathering the information I need to properly dispute the claim. I have disputed the claim with all three major credit reports, XXXX, XXXX and XXXX during the month of XX/XX/2018. At the moment this issue is preventing me from being able to pass a credit check and move into a new home. XXXX is claiming I still owe the debt but there is no documentation of what it is for or why I owe it. I am still waiting to hear back from the other two credit unions, but I am hoping you can help me resolve this issue before I need to spend money I do not have on a lawyer I can not afford.

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. XXXX XXXX XXXX. Please delete.

I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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.

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

On XX/XX/XXXX I purchased a XXXX XXXX XXXX and was financed through global lending services. My son co signed the loan for me. I was told at the time of signing i would be on the loan to rebuild my credit. I recently found out i am not on the loan although my paperwork from the car dealership says so. i need global lending to add me to the loan so it reports me to the credit bureau.

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

I first forwarded a letter to all three credit bureaus from XXXX XXXX at the end of XXXX instructing the three credit bureaus to correct and change the comments on the account from " Paid for less than full amount '' to " Paid in Full '' and remove all negative remarks. XXXX and XXXX did this immediately, but Experian didn't. Recently I discovered the account had the date of " first reported delinquent '' as XX/XX/XXXX, when it was actually first reported in XXXX when I stopped making payments and disputed the charge with XXXX XXXX. The account was to be removed in XX/XX/XXXX. Again, XXXX and XXXX deleted the account but Experian didn't. Experian 's account details had the amount paid as {$1400.00} ( full amount ) which was wrong, the date of reporting as XX/XX/XXXX which was wrong, and the account to be removed in XX/XX/XXXX which was another 7 years. I called Experian XX/XX/XXXX to dispute it. I also called XXXX XXXX who immediately sent a letter to Experian and myself instructing them to delete the account as they had last XXXX ( XXXX ). The woman I spoke to advised me to make this complaint. I uploaded the letter to Experian that day. When I checked my Experian report the next day the details under the Credit First account were removed but the account was still listed as a Charge Off AND the account no longer said it was in dispute. Also hard pulls weren't removed that have been listed for over two years. I called Experian and was told that I had to wait 30 days and if I told them to drop the dispute ( which is not indicated on the on-line account anymore ) they would not fix it. To date the information has remained incorrect.

On XXXX XXXX XXXX central time, a representative from Credence Resource Management , called my home phone that is listed on the Do Not Call Registry, and my minor son answered the phone and they told my son that they asked for XXXX XXXX XXXX, my son informed that I wasn't home and the representative informed him that they were calling about a legal matter. My minor son called me and gave me the number and when I called the number back I spoke to a XXXX XXXX XXXX # XXXX, who then stated that she was calling from Credence Resource Management a debt collection company. I asked her for her name, rep number and the name & address of the company, in which she delayed by then gave me the information I requested. I informed her that they were in violation of Federal Law, FDCPA for pretending to be someone else, calling my phone when I never gave them permission in violation of the TCPA and Do Not Call Registry, alone with my name XXXX XXXX XXXX XXXX is copyrighted and they were never given any permission to use the name or to contact me my phone.

I was charged {$120.00} on XX/XX/20 by XXXX XXXX on my card. This amount is incorrect. I disputed it with CITI and their response was since I didn't have a receipt to prove the correct amount then I had to pay it. It was an online purchase for which I never received a receipt. Furthermore, XXXX XXXX must have not provided a bill receipt either because CITI never provided proof that I approved this charge. I have tried to call XXXX XXXX to get a receipt but I get automated response that because of high call volumes by call can not be completed. I am perplexed how CITI takes the word of a merchant without proof over their own customers. I have attached the only email I received from XXXX XXXX for this purchase. I also attached a receipt from a previous purchase to demonstrate what I should have received or CITI should have requested before settling this dispute.

During Covid 2020 I was out of work for XXXX weeks and ex spouse left me and my children during Covid. I wasnt working so I called the Navient and credit bureaus to get the negative information for my credit report showing that I hadnt paid for both private school loan accounts due to financial hardship. They said they understood and would remove the negative information. I waited and but there hasnt been any changes to my credit report.

My mother, XXXX XXXX, died in XX/XX/2022. I am the executor/personal representative for my mother 's estate. I found out that my mother had a savings account with USAA Federal Savings Bank via a statement I received in the mail. On XX/XX/2022, I contacted USAA Federal Savings Bank ( XXXX ) and was transferred to the Survivorship team. I requested that the account be closed and a check sent to me for the balance in the account of {$25.00}. I was told which documents to send to XXXX, which I sent via XXXX Mail on XX/XX/XXXX. On XX/XX/2022, I received another statement from XXXX, indicating a savings balance of {$25.00}. I called the XXXX team and was told that the documents I sent were received on XX/XX/XXXX, but were in the wrong department. I was told that the documents would be moved to the right department and would be processed. As of today, XX/XX/2022, I have received no indication that the documents have been processed or that the account has been closed. I have also received no check for the account balance.

This complaint serves as a follow-up complaint to my previous complaint dated XXXX XXXX XXXX I want to dispute specific records in my credit file that do not belong to me or that I have signed any agreement. The items must be removed to clear my file of erroneous items Ive already included this in my previous Complaint & I am including it again. XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX and Equifax credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I'm hoping that these disputed accounts get corrected. XXXX XXXX XXXX, XXXX, PA, XXXX, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}.

Equifax security breach cause some unknown item on my report sent the po report to XXXX and XXXX cant pull equifax

Equifax credit report constantly consist of errors from dispute comments being on accounts that AREN'T being disputed to Equifax readding items previously removed but not providing notice to me the consumer that items are in fact reapplied to my credit file. please see accounts and problems noted below 1 ) XXXX XXXX XXXX XXXX/XXXX account # XXXX Equifax needs to remove dispute comments account is not in dispute 2 ) XXXX XXXX XXXX XXXX/ XXXX account XXXX XXXX Equifax needs to remove dispute comments account was resolved months ago 3 ) XXXX XXXX XXXX XXXX account XXXX XXXX Equifax needs to remove dispute comments resolved months ago 4 ) XXXX XXXX XXXX XXXX account XXXX XXXX account was removed from credit file in XX/XX/XXXX, today it reappeared with no payment history, no account term or details no date of last activity and a delinquent note of XX/XX/XXXX why is this reapplied 2 years later with no notice to me the consumer or account details There has been no communication to me from the creditor in over 3 years 5 ) XXXX/XXXX XXXX account # XXXX balance on the account states {$110.00} I have disputed this account several times even provided account statement showing account has a XXXX balance Equifax needs to update the account balance to reflect XXXX balance Equifax stated they previous investigated the account but report shows no payment history since XXXX and date of last activity as XX/XX/XXXX

In accordance with FCRA 605B XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of 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. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) Authority to Decline or Rescind ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 611 ( a ) ( 5 ) ( B ). ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for Resellers ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ), otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ), identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ), a check services company shall not report to a national consumer reporting agency described in section 603 ( p ), any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this title.

Never received any notice that {$370.00} was owed, not a phone or notice, just got a notification that a had a bad collection on my credit XX/XX/XXXX, I have ask for validations of debt several times and I have not received anything I have even offered a pay to delete XX/XX/XXXX and it was refused. I need this off my credit or the debt needs to be validated. Remex XXXX XXXX XXXX, XXXX, NJ XXXX XXXX

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX Original Creditor Acct # XXXX ... XXXX Acct # XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

HIPPAA VIOLATION NO KNOWN KNOWLEDGE OF ACCOUNT NO CONTRACT OR KNOWLEDGE OF BUSINESS XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$1000.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Payment history guide Collection as of XX/XX/XXXX Historical info Original creditor XXXX XXXX XXXX XXXX info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Your statement Comment Current : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Previous : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX Reinvestigation info This item remained unchanged from our processing of your dispute in XX/XX/XXXX.

I have sent a letter to the 3 bureaus but they didn't respond anything. These are the accounts that I have disputed with the bureaus. XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX

in accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Account Number : XXXX Delete this account. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 3. The inquiry was not authorized XXXX # XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

New alerts from Experian. Account used by ex-spouse XXXX XXXX. Opening accounts/identity theft dated end XX/XX/2019. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Distribution of information ( sold ) on dark web. He is deleting information to try to cover his tracks. Screen shots attached. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

My credit report is showing as 120 days late in XXXX, XXXX, XXXX, and XXXX ... with no previous XX/XX/90 days late. I have never been late, never had a late fee assessed. Attached is proof that I made my payments in all 4 of these months.

The debt collection agency D & A Services, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, IL XXXX sent a 'dunning ' letter to consumer dated XXXX XXXX, 2015. The envelope was postmarked XXXX XXXX, 2015 and consumer received it XXXX XXXX 2015 which violates the thirty ( 30 ) day timeline consumer is allowed to respond to dunning letter. This is a practice synonymous with 'false, deceptive, misleading misrepresentation ' as it violates the Fair Debt Collection Practices Act ( " FDCPA '' ), 15 U.S.C. Section 1692e. Many debt collectors are adopting this practice as a way to cause consumer a lack-in-time to respond within 30 days and utilizing the timely manner set out by the FDCPA. Not all consumer 's have access to a fax machine. This Consumer takes issue with other factors of the 'dunning ' letter in regards to the fact consumer does not owe D & A Service ( or any entity acting on behalf of D & A Services ) a debt. Consumer disputes owing D & A Services a debt based on the FACT : Consumer has no fiduciary, contractual obligation to pay D & A Services anything. There is no payment history, nor products, or services that have been rendered to D & A Services, because these elements do not exist ; there is a failure of consideration and no valid agreement, contract or fiduciary obligation under federal law that requires payment to third-party debt collectors. Furthermore, Consumer 's sole ( permanent ) income is Social Security XXXX income which is federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act ; ( SSA ). Consumer is head-of-household and possesses NO property of value. Consumer 's federally protected income presents a 'genuine issue of material fact '', which will result in a frivolous lawsuit if pursued. Consumer filed this complaint as a means of formal documentation that consumer will " tender '' as evidence in a court proceeding if D & A Services chooses to adopt their own agenda and pursue this matter further. Consumer wishes all communication ( mail/telephone/attempted collection ) cease upon notification of this debt dispute reported in this venue. Consumer has added a complaint lodged by another consumer who experienced 'unjust enrichment and extortion ' levied against them when interacting with D & A Services. Consumer of this complaint will not engage in contact with D & A Services based on violations of the FDCPA, false misleading contact by D & A Services. If D & A Services makes any attempt to contact consumer on ANY level consumer will file a federal and state lawsuit against D & A Services and present documentation to support consumer 's position in this matter. Consumer thanks CFPB for having this venue as documentation. It is greatly appreciated!

I have contacted experian on many times to verify the incorrect and inaccurate information on my credit report that was due to fraudulent activity. I have requested validation of the items reporting. I have also added security freezes and fraud alert to my credit profile. The date of my letter sent where XX/XX/2020, XX/XX/2020, XX/XX/2020 and still no response or update. the following items should be investigated XXXX XXXX XXXX/XXXX XXXX XXXX XXXX, please removed from my credit report.

Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal XXXX portioned personal identifiers, the pay statuses, the required XXXX of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....

Had numerous issues with insurance coverage for this medical bill. Communicated this to XXXX XXXX the original service provider and creditor. XXXX sent to collections {$870.00}. I continued to dispute with collections while waiting for insurance payment. Collections accrued interest in the meantime. Insurance finally found their responsibility. Sent check of {$650.00} to XXXX XXXX, they forwarded check and new XXXX showing patient 's responsibility should be corrected to {$220.00}. Collections continues to report to credit bureaus an original debt of {$870.00} and a balance due that includes interest from the portion that was the responsibility of Insurance. The current balance reported to credit is {$360.00}.

The purpose of this supplemental complaint is to inform CFPB the initial complaint XXXX was submitted on XX/XX/XXXX and a demand to comply was sent via certified mail on XX/XX/XXXX. It is now XX/XX/XXXX and there has been no resolution up to this date. Equifax has been given sufficient time per the FCRA and they must delete all negative items submitted in the aforementioned complaint due to their inability to verify the late payments. I should also note, that Equifax should not be allowed to use a previous dispute and deem this complaint verified per their last investigation since it has taken more than 60 days to verify and the law states they must remove unverifiable items off consumers credit report within 30 days.

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX XXXX XXXX : {$1600.00}, XXXX XXXX Balance : {$1300.00}, XXXX Balance : {$0.00}XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

on XX/XX/2021 I discovered inaccuracies on my report and decided to send a dispute letter to address the issues. There is different open dates reported and multiple other inaccuracies. upon further research well Fargo has numerous complaints for inaccurate credit reporting on XXXX and over XXXX credit reported related complaints on CFPB.

AceFlare Account XXXX, Netspend closed my account at the beginning of XX/XX/2021. They closed it due to disputes from a company that I called numerous times to stop billing my account but they kept billing it. They closed my account without my foreknowledge when I went to use my card it was declined. I called them and they explained that my account was closed but would not elaborate. I assume it was for filing a dispute since there was absolutely no other reason for it. I was told they would mail me my available money in a few weeks. This is coming up on almost 2 months and I have not received my forms. This company is a deposit account and there is no way to call them if they close your account because you must put in a valid account number and if you do not have a valid current account you will not have the ability to speak to anyone. My checking account was XXXX and my savings was XXXX while that's not much it is still mine. They do not tell you they closed your account you will not find out until you try and use the card. I have had several bills unpaid because of this. ACE FLARE ACCOUNT by XXXX I don't remember my account number and when they close the account all access to it ceases. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

2 of the 3 Credit Bureaus ' will not remove accounts over 7 years old. I've asked both agencies 7 times to remove over 7 year old derogatory information. 1 have even changed an " open date '' on account to keep it just under 7 years. Reporting that account negatively when the account is 9 YEARS old. My Debt of XXXX LOANS are 8+ years old and still reported. My student debt is also in line to be forgiven. All 3 are doing that to me. It's affecting my ability to obtain work, housing, transportation and several other life sustaining essentials negatively. I've written letters. I've disputed. I've called and I've begged for the removal and they REFUSE to completely remove from my report. I've been punished long enough. I now have TONS of good positive accounts. PLZ PLZ HELP ME. ITS NOT FAIR FOR THEM TO VIOLATE THE LAW AND GET AWAY WITH IT. ITS AFFECTING OBTAINING NECESSARY WORK AND HOUSING. I AM XXXX AS WELL. THAT ALONE MAKES MY IMMEDIATE NEEDS NOT BE MADE. PLZ PLZ HELP! Thank you kindly for your time.

XXXX 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 1681XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX figure lending have 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. 9,102. Im exercise in my right.to opt out of having these accounts reported to my consumer report. The line of credit I have with vour companw, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! List Name of the accounts with high Utilizations and late payment transactions XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subiect to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( Put the Creditor Name here ) Making the report is NOT INCLUEDED on my Consumer report! Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ Put creditor name here that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction and experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. You have 10 calendar days to update my utilization to 5 % or below and or delete all XXXX from the XXXX XXXX

I am an identity theft victim. The three major credit bureaus should have plenty of official documentation substantiating that fact. For the past XXXX years XXXX and TRANSUNION have made it impossible for me to monitor my report for errors or fraud and have refused to correct major fraudulent accounts that are backed by police reports and ID Theft Reports. They continue to come up with new ways to block my reports and their agents will never tell me anything about why my reports are as they say inaccessible or non-existent. I know they exist. I understand the ID theft can make it more difficult but it really is as if they just would rather not deal with it then take the time to assist me. They seemingly do whatever they can to block me from viewing my report and it has been this way for the past two years. They always claim a a team is aware of the issue and is on it, or I can not tell disclose any information for the protection of the file. Thats all well and good but I am person of which the file is made and I have the right to know whats on my credit report. After I tell them that, assuming I am not hung up on and this is my 10th attempt.. they will brush me off and tell me I must mail in every piece of identifying information I have. Which, despite the fact that puts me at even more risk for the type of id theft I am trying to address, will allow me to access my report maybe one time before it is blocked again and they are telling me I have to resend my identification again. I had to contact the CFPB 2 years ago about a XXXX and XXXX XXXX, XXXX and XXXX Credit accounts that were opened or run up fraudulently in my name remaining on my report despite Police Reports and ID Theft reports being sent in by all methods they accepts multiple times. Three years later these accounts that I had to fight so hard to have removed- and was successful, have now been readied to my reports by way of debt collectors and they are rife with erroneous information that on its own, should be enough to have them removed from my file. Additionally for about two years after the CFPB intervened which led to the accounts being permanently blocked from report my reports and had XXXX XXXX and XXXX corporate notifying me by mail that they had removed or reset the fraudulent accounts and that I would not be responsible for it.. I was finally able to breath thinking that their was finally a real way to hold the CRAs accountable and get them to finally do the right thing. A short time later I discovered, however, after being repeatedly hung up on and refused information that for taking my complaint to the CFPB I had been blacklisted. My report had been placed in a departments like XXXX XXXX XXXX department that made it so 98 % of the company could not help me or even open my report. That department was always closed or unreachable. I found out that these type of departments are where your report ends up if you get the agencies like the CFPB involved. From what I understand the department is comprised of lawyers who ensure they shut you down while taking advantage of every loophole they legally can. It was quite frustrating. Somehow, a year and a half later, I made enough of a stink to get off of that list ( I think ) but ever since my report is either unavailable to me or there is some issue with it that makes it so no service can pull it, not even annual credit report. 50 calls and letters later they would add my ability to review it back and then a couple days later take it away again for months. I still can not dispute online, place a freeze online or do anything someone with active ID theft should be able to do to protect themselves and information immediately. I even have their highest tier paid subscription and it still never works. None of their customer services reps will help at all in providing any sort of resolution to these issues. My most recent issue and reason for this complaint is my repeated issues with accessing my report and the fact I have now have had two opportunities for credit that I have applied for be blocked. These companies were not even able to obtain a copy of my report. XXXX and other like services can not pull them either as I pay for their services and this feature, I should be able to have it pulled through them just like everyone else can. When I called XXXX repeatedly, I continue to get different stories. The latest is that my report is blocked in some way that I have never heard of before and no one there can seem to remove it. Now I cant view my own report, nor can potential lenders and my identity can not be verified.. which has become a very big problem for me and has already cost me both time, money and comfort. I want my report accessible like everyone else and for them to recognize my identity theft I am an identity theft victim. The three major credit bureaus should have plenty of official documentation substantiating that fact. For the past 3 years XXXX and TRANSUNION have made it impossible for me to monitor my report for errors or fraud and have refused to correct major fraudulent accounts that are backed by police reports and ID Theft Reports. They continue to come up with new ways to block my reports and their agents will never tell me anything about why my reports are as they say inaccessible or non-existent. I know they exist. I understand the ID theft can make it more difficult but it really is as if they just would rather not deal with it then take the time to assist me. They seemingly do whatever they can to block me from viewing my report and it has been this way for the past XXXX years. They always claim a a team is aware of the issue and is on it, or I can not tell disclose any information for the protection of the file. Thats all well and good but I am person of which the file is made and I have the right to know whats on my credit report. After I tell them that, assuming I am not hung up on and this is my 10th attempt.. they will brush me off and tell me I must mail in every piece of identifying information I have. Which, despite the fact that puts me at even more risk for the type of id theft I am trying to address, will allow me to access my report maybe one time before it is blocked again and they are telling me I have to resend my identification again. I had to contact the CFPB 2 years ago about a XXXX and XXXX XXXX, XXXX and XXXX Credit accounts that were opened or run up fraudulently in my name remaining on my report despite Police Reports and ID Theft reports being sent in by all methods they accepts multiple times. XXXX years later these accounts that I had to fight so hard to have removed- and was successful, have now been readied to my reports by way of debt XXXX and they are rife with erroneous information that on its own, should be enough to have them removed from my file. Additionally for about XXXX years after the CFPB intervened which led to the accounts being permanently blocked from report my reports and had XXXX XXXX and XXXX corporate notifying me by mail that they had removed or reset the fraudulent accounts and that I would not be responsible for it.. I was finally able to breath thinking that their was finally a real way to hold the CRAs accountable and get them to finally do the right thing. A short time later I discovered, however, after being repeatedly hung up on and refused information that for taking my complaint to the CFPB I had been blacklisted. My report had been placed in a departments like XXXX XXXX XXXX department that made it so 98 % of the company could not help me or even open my report. That department was always closed or unreachable. I found out that these type of departments are where your report ends up if you get the agencies like the CFPB involved. From what I understand the department is comprised of lawyers who ensure they shut you down while taking advantage of every loophole they legally can. It was quite frustrating. Somehow, a year and a half later, I made enough of a stink to get off of that list ( I think ) but ever since my report is either unavailable to me or there is some issue with it that makes it so no service can pull it, not even annual credit report. XXXX calls and letters later they would add my ability to review it back and then a couple days later take it away again for months. I still can not dispute online, place a freeze online or do anything someone with active ID theft should be able to do to protect themselves and information immediately. I even have their highest tier paid subscription and it still never works. None of their customer services reps will help at all in providing any sort of resolution to these issues. My most recent issue and reason for this complaint is my repeated issues with accessing my report and the fact I have now have had XXXX opportunities for credit that I have applied for be blocked. These companies were not even able to obtain a copy of my report. XXXX and other like services can not pull them either as I pay for their services and this feature, I should be able to have it pulled through them just like everyone else can. When I called XXXX repeatedly, I continue to get different stories. The latest is that my report is blocked in some way that I have never heard of before and no one there can seem to remove it. Now I cant view my own report, nor can potential lenders and my identity can not be verified.. which has become a very big problem for me and has already cost me both time, money and comfort. Thank You.

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Over two years ago XXXX XXXX began sending a " past due '' bill for aroound {$50.00} to our address. ( We have had XXXX for over 5 years ). It was addressed to our son XXXX woho has lived in XXXX for over 17 years and has never lived at our aderess. We contacted XXXX and they said it was a mistake and they would correct and delete the charge.Over two years later we are still being harassed by bill collectors. ( The latest is XXXX ', XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, ( XXXX ) XXXX. The bill is now $ XXXXXXXXIn the process we have complained, our son has complained, and XXXX has admitted they are wrong but we are still being harassed. Can you help us?

In XX/XX/2020 an derogatory account was reported for the amount of {$9900.00}. I'm filing a claim under FCRA Section 611 ( a ) ( 1 ) A. I am in desperate need of this account being removed.

I applied for SBA EIDL advance XXXX of XXXX. I was approved and received funding into my Chase Bank checking account. I went to the branch the morning of my deposit, XX/XX/XXXX, to make a withdrawal from my account. I was told that my account was froze and to come into the branch to speak with the branch manager. He proceeded to tell me that I need to provide proof of business. I drove home to get my paperwork and return right back to the branch to provide my documents. I was told that my documents were submitted and that I would receive a call in 24 hours. I never received a call so I went back to the branch. I was told that unfortunately my funds were returned back to SBA and my account was closed. I proceeded to contact SBA and they specifically said that they do not receive returns and are unable to request a return once funds are sent to bank. Now XX/XX/XXXX I received a email from SBA notifying me that I am eligible for targeted advance funds but when I access my application it says that I received a {$10000.00} advance to MY Chase Bank checking account. I called SBA and explained the situation that happened XXXX of XXXX and they explained that I would have to get in contact with Chase Bank whom is now telling me that my account was closed at a {$0.00} balance and they are unsure where my funds have gone. Please help

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a compliant with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 45 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from from my credit report it has been over 45 days so they should be deleted promptly

I see inquiries reporting to my credit report that I do not recognize.

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX, has violated several of my rights, 15 U.S.C 1681 section 602 A. Clarity states a I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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. Remove these late payments and update these accounts immediately as you are in direct violation of several laws under The Federal Credit Reporting Act.

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Approximately XXXX of XXXX I requested that XXXX XXXX XXXXXXXX XXXX XXXX the late payments showing on my credit bureau for both of my credit cards with them one XXXX and one XXXX because had autopay. The autopay worked for a couple of payments then stopped. There was an account number change that could have been the reason for the autopay being removed but it is XXXX XXXX XXXXXXXX 's responsibility to reinstate the same services I had on the accounts. When I noticed there was no Autopay a couple of months later, I called and requested to reinstate autopay and correct the late payments. The representative reinstated the autopay and refunded the fees but failed to correct the late occurrences on the accounts. I requested a loan to pay off my debts today and the bank gave me a copy of my credit bureau. Both of the XXXX XXXX XXXXXXXX cards XXXX and XXXX are showing late payments and furthermore ; are not showing as a current payments and in good standing. These two account do not appear in my current accounts. They both show up under derogatory accounts and not showing under current accounts. These two accounts I have had with XXXX XXXX XXXXXXXX for over 20 years. There has been previous account number changes but never closed and reopened. The late payments and the way it is reporting on my credit bureaus is negatively impacting my credit score and credit history. I have autopay on all of my credit cards to avoid this. I just spent over an hour attempting to contact them through their customer service phone number. Only to speak with a representative named XXXX from New York to tell me I have the wrong department and put me back into the general Queue which doesn't give an option for disputing erroneous information reported on the credit bureau. This make is appear as though there is no accountability on the part of XXXX XXXX XXXX to make this right. They collect fees but have no contact available through their automated system to contact this department.

Recently they are reporting I paid all last year late and I have XXXX payments over 30 days late. I disputed it with XXXX and told them they need to correct it. They refuse to do anything stating I have to send them a full copy of my credit report before they will investigate. I have also paid the amount they claim is past due. The loan pulls 2 times a month and I was never 30 days late. It did not show any lates last month when I checked my credit report, so I do not know what changed. I asked to speak to a supervisor yet was told I could not be connected and had to wait at least XXXX hours for a call back.

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX ) XXXX

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information

I asked if collector could call me outside of work hrs but she insisted on sending legal papers to my house and job. Then hung up on me while on my cellphone and proceeded to call my job and asked who is this, saying " oh this is her '' " we have your driver 's license '' and then hung up again.