davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX XXXXXXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

I recognize your quick regard for BLOCK or REMOVE these ADDRESSES, NAMES, ACOOUNTS and reaction inside 4 work days Names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently received a credit alert stating a new account has been added to my transunion report. When I checked, there was a new student loan reported on XX/XX/XXXX that was opened in XX/XX/XXXX for the amount of {$3500.00} and closed in XX/XX/XXXX with a delinquent status. I immediately contacted the servicer as I did not open any student loans in XXXX. When I contacted the servicer, they did indeed confirm I had not opened any loans in XXXX and the loan referred was an old loan from XXXX. I advised the servicer that I have not opened any loans and that this information was never reported to me until it went to my credit report now in XXXX. In addition, I advised the servicer there is no loan in my report from XXXX and the only loan I see in my report is one of XXXX. I was never notified via letters and they advised it was not a requirement. I requested this error to be fixed from my report as I have not opened any student loans in XXXX. The servicer said they will escalate to fix the matter and they will send me a statement. None of those tasks occurred. I then disputed the entry via transunion and the inquiry came back without being fixed. This is only showing on my Transunion report and XXXX accurately do not reflect this account on my report. 

Please have this error fixed. The fact that the agency is reporting a loan as XXXX for a loan in XXXX and showing a recent delinquency is falsification of records.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any itrms or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXXV XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX  XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. 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.It 's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX I filed a Dispute with Equifax regarding incorrect information on my credit report regarding account : ( XXXX ). 

It shows a Last Payment Date as of XX/XX/XXXX. However, I never made a payment to XXXX in XXXX. The report shows the account was Charged Off in XX/XX/XXXX. In addition, the payment amount on the report shows {$0.00}. How can they report a payment on a closed account? 

I asked Equifax to investigate and to provide proof that I made a payment, and the amount of payment. I asked that they provide a copy of the check. I requested that if they could not provide proof that I made a payment to XXXX in XXXX of XXXX that the account be deleted. 

The result of the dispute with Equifax was The information you disputed has been updated However, there was no change made on the account. As a matter of fact, The Date Reported is XX/XX/XXXX, and the comment section of the report should reflect the account is being disputed by consumer but its blank. 

In addition to that. The account is not reporting accurately as it says " sold to XXXX XXXX, but the contact information leads back to XXXX. How can it be sold to another company but XXXX is the one reporting?

My rights under the FCRA and or the FDCP have been violated and I want the account deleted from my report immediately for inaccurate and misleading data.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXXXX PA XXXX XXXX REINVESTIGATION Be Advised : The following accounts are coded incorrectly per XXXX XXXX  Guidelines. 
These are both Retail installment loans, not AUTO LOANS They should be coded as such and as XXXX not XXXX You are reporting these accounts as late instead of billing errors with the error in coding which is causing my score to suffer by more than 200 points. 

You have 15 days to UPDATE your errors per XXXX XXXX Guidelines XXXX XXXX XXXX Ready to SUE, XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$69.00}
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (CT)

On XX/XX/XXXX, American Express sent me an email informing me that my credit limit had been lowered from {$35000.00} to {$2500.00}. I called American Express recently on Sunday, XX/XX/XXXX, at XXXX PM EST in an attempt to acquire the original document they sent that detailed the reasons for the credit line reduction. I could not recall the exact reason so I asked for the document. When they were unable to produce the document, the representative encouraged me to " check with the bureaus around that timeframe. '' The American Express representative advised me to contact a third party consumer reporting agency to find out why American Express lowered my credit limit. I took this to be a veiled hint that it was because of my credit score, but they would not confirm this. I asked for a call back from a supervisor and was assured I would received one within 24-48 hours. I did not. 

I contacted American Express again at XXXX on Wednesday, XX/XX/XXXX, and spoke with " XXXX ''. I informed him that despite the promise of a supervisor 's callback, I had not gotten one. Even though he was not a supervisor, he promised to assist me. I stated that American Express had been unable to explain why my limit had been reduced and my federally protected consumer rights have been violated. 

American Express ' actions in reducing my credit card limit from {$35000.00} to {$2500.00} is discriminatory and in violation of federal law. I have suffered harm, injury, and emotional distress from this situation. Specifically : 15 USC 1602 ( f ) 15 USC 1602 ( p ) 15 USC 1691 ( a ) ( 3 ) XXXX said he was trying to obtain help and that the situation had been escalated. I enquired as to when I may hear from American Express regarding the problem. He only said that it " was escalated '' and was unable to provide me an estimate or guarantee that I would even get a call back. The only resolution that would satisfy me ( lawfully ) and offer remedy is the complete restoration of the {$35000.00} credit limit I had prior to XX/XX/XXXX. 

Thank you.
Consumer complaint received 2022-08-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: American Credit Acceptance, LLC (NC)

In the spring of 2020 I attempted to setup autopay with American Credit Acceptance and was under the impression through their website I had enrolled my debit card to auto draft on payment dates. During this time I took a long vacation, but had ensured during my extended time away I had all my financials updated and set to be paid accordingly. In XXXX of 2020 my auto loan was over 30 days behind, and the lender marked this as a repossession. At the time I was made fully aware of the situation, I paid all outstanding fees, along with my late fees the moment I found out of the issue. In doing so, I demanded that they mark this as a late payment only, and not to be classified as a " repossession '' since I was willing to pay all fees involved and this was not a result of me not being able to pay the monthly amount. They told me they would only have this marked as a late payment, and I settled the entire balance immediately. This year I refinanced my truck with my bank to get better terms, and because of how difficult everything with American Credit Acceptance had been during the time I used them as a lender. Now, I am trying to buy a house, and my credit report is showing " auto repossession '' and making it very difficult for me to get approved for any mortgages.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I was a victim of identity theft. Per FCRA section 605 you are required to BLOCK any account listed on an IDTheftReport # XXXX. Ive already included this report in a previous letter & I have included it again. This letter is to notify you if you do not block the listed account on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. This is your final warning. Please remove the following items listed on my fraud report. Please re-investigate this matter and correct the disputed item as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

Im submitting this complaint to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX XXXX Owed : {$260.00} XXXX XXXX XXXX XXXX Balance XXXX : {$370.00XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed XXXX {$370.00} XXXX XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX  XXXX Balance Owed : {$30000.00} XXXX XXXX  XXXX Balance Owed : {$24000.00} XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX MO 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (NC)

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with RENTDEBT AUTOMATED COLLE company I believe the original creditor XXXX XXXX XXXX sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : " XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance : $ {$15000.00} "
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have take Kohls credit card and due to not receiving the monthly payments letter and no email notifications I have 60 days late payment negative report on my credit report. This caused issue on my credit file and being a negative remark on my Lenders on my mortgage application Kohls Charge card type Amount : {$150.00} Late payments : XX/XX/21 and XX/XX/21 Request : To see if this report can be disputed and see if negative marks can be removed from my reports.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat These items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included these in my previous Complaint XXXX, XXXX, and XXXX & I am including these again. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  CA ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.