davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. Here are the items for your verification. Account XXXX XXXX XXXX XXXX XXXX XXXX payment late year XXXX
Consumer complaint received 2017-06-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (IL)

Purchased home in XX/XX/XXXX, XXXX XXXX XXXX XXXX My husband and I. in XX/XX/XXXX XXXX XXXX XXXX sold mortgage to Roundpoint mortgage XXXX XXXX filded chapter XXXX bankruptcy with XXXX XXXX and included the house. We were making monthly and ontime payments at that time. Two months into bankruptcy XXXX XXXX mailed notice for a motion to modify the Automatic stay that we owed XXXX XXXX XXXX XXXX XXXX XXXX ... ..back pay and we were ordered to pay XXXX $ a month. We ( XXXX ) paid Roundpoint XXXX, XXXX XXXX and XXXX XXXX all at the same time. Within chapter XXXX XXXX XXXX was Paying XXXX $ two months into Bankrupcy Payments automatically went to 700+ a month. We ( the XXXX ) were referred to a Contractor named XXXX XXXX to help resolve this issue. We ( XXXX ) never received a mortgage statement from XXXX XXXX and we have never taken out a second mortgage. XXXX XXXX XXXX which is not an attorney instructed us not to pay anyone because we are a part of predatory lending and deceptive practice. We ( The XXXX are expected to pay two mortgages and XXXX XXXX. XXXX XXXX completed the bankruptcy and has been discharged 6 months ago now XXXX XXXX is coming after us again for back pay which is currently XXXX. Roundpoint is tring to work with us for a modification but XXXX XXXX the " Contractor " has a freeze on my account. Round Point will not speak with Us so that we can ask questions and complete modification. Roundpoint Representive always says " We can only speak with your attorney ''! I never hired an attorney. I had court date on XX/XX/XXXX for case management order. Unfortunately I was late and have to motion back in court so I wont go into default for XXXX $ +. XXXX XXXX ( contractor ) has been paid by Us ( XXXX ) thousands of dollars since XX/XX/XXXX. We are not supposed to be in Forclosure. XXXX XXXX has received monies from us and has not filed montions to support predatory lending or to defend us from XXXX XXXX, and XXXX XXXX deceptive practice. I XXXX XXXX am seeking help because we are apart of predatory lending and deceptive practice. Currently tring to modify loan threw XXXX XXXX but cant speak with Roundpoint mortgage to confirm details. We do n't know who the real mortgage company is? Who received the extra monies with in Bankruptcy, and XXXX XXXX is posing as an attorney and taking money from consumers while sitting back as we go into forclosure. <P/><P/>address of property : XXXX XXXX XXXX XXXX XXXX XXXX roundpoint loan # XXXX XXXX XXXX XXXX Loan # XXXX circuit XXXX county court # XXXX
Consumer complaint received 2017-01-10
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (NC)

Tried to refinance my mortgage with Loan Depot. Locked in at XXXX %. Provided all the information they required.Refinancing XXXX % of the value of my home. Have a XXXX credit history with no problems. They kept delaying the process by asking for the same materials and told me I lost my lock in rate. When I told them I would not proceed with the loan they agreed to extend the lock in at XXXX sent me my closing statement and added {$1200.00} for XXXX contacting my mortgage company to find out the payoff, they said I would close in XXXX days.I contacted them XXXX week later to find out what was taking so long and they told me I had a lien on my property.Spent all morning trying to find out what lien could be on the property downtown at the deeds office. They said mortgage company was trying to pull a fast XXXX and gave me stamped papers saying no liens were on my property.I faxed papers to loan depot and did not hear back until I called them.I was transferred to another person who explained the loan would go through but at a higher interest rate. My whole experience with loan depot took over XXXX months. I missed out on XXXX % interest rate and was out {$450.00} for my appraisal. I would hope someone could put them out of business so the ca n't cheat homeowners anymore.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XX/XX/XXXX NONE OF THESE ACCOUNTS ARE MINE THEY ARE ILLEGAL!!! 

Writing to dispute these ILLEGAL COLLECTIONS AND INQUIRIES ON MY XXXX REPORT! THESE ITEMS ARE ILLEGAL AND UNAUTHORIZED AND NEEDS TO BE REMOVED IMMEDIATELY FROM MY XXXX, EQUIFAX, AND XXXX REPORT. MY INFORMATION WAS BREACHED VIA EQUIFAX BREACHES, XXXX BREACHES, AND ALSO XXXX. YOU GUYS HAVE FAILED TO DO YOUR JOB AS CREDIT BUREAUS IN PROTECTING YOUR CUSTOMERS INFORMATION AND AS A RESULT I STILL HAVE ILLEGAL ITEMS BEING REPORTED BECAUSE OF YOUR CARELESSNESS. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-06-22
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: EQUIFAX, INC. (IL)

XX/XX/XXXX I received XXXX 's credit card in the mail at my XXXX address, account ending # XXXX. I reported identity theft to XXXX 's - XXXX XXXX XXXX. XXXX 's processed claim to close card. I received letter dated XX/XX/XXXX to my previous address in XXXX XXXX, IL XXXX that I had applied for XXXX 's credit card - XXXX  XXXX XXXX Ref ending # XXXX. I contacted XX/XX/XXXX to report identity theft. I received another letter dated XX/XX/XXXX to my previous XXXX XXXX address that I had applied for XXXX XXXX XXXX credit card -XXXX XXXX Ref # ending XXXX. I contacted XXXX XXXX on XX/XX/XXXX to report identity theft. XX/XX/XXXX Called XXXX XXXX to report identity theft on XXXX XXXX XXXX credit card inquire ref # ending XXXX. XX/XX/XXXX pulled credit report, submitted fraud alerts with all 3 credit agencies, submitted Police Report and Identity Theft Report to Federal Trade Commission. XX/XX/XXXX Submitted extended fraud alerts via mail request and mailed dispute requests to credit card companies and credit agencies.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.
Consumer complaint received 2017-06-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Genesis Lending (CA)

I enrolled in XXXX XXXX XXXX, CA campus in XXXX and during enrollment I was paying a private loan from a lender named Genesis Lending Services XXXX I completely paid them off years ago in XXXX. I am now aware that there has been a lawsuit, and I want to receive a reimbursement of some sort. I never worked in the field after completing classes. I am overwhelmed of all the fraud they have caused. I tried reaching them now, and I can not find any information. I threw all my old receipts away unfortunately, yet I recall struggling at the time to pay them off, I am more mature now and as I am learning to take care of my finances, the past has haunted me, and I wish to collect something for there fraud.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XX/XX/XXXX NONE OF THESE ACCOUNTS ARE MINE THEY ARE ILLEGAL!!! 

Writing to dispute these ILLEGAL COLLECTIONS AND INQUIRIES ON MY XXXX REPORT! THESE ITEMS ARE ILLEGAL AND UNAUTHORIZED AND NEEDS TO BE REMOVED IMMEDIATELY FROM MY XXXX, EQUIFAX, AND XXXX REPORT. MY INFORMATION WAS BREACHED VIA EQUIFAX BREACHES, XXXX BREACHES, AND ALSO XXXX. YOU GUYS HAVE FAILED TO DO YOUR JOB AS CREDIT BUREAUS IN PROTECTING YOUR CUSTOMERS INFORMATION AND AS A RESULT I STILL HAVE ILLEGAL ITEMS BEING REPORTED BECAUSE OF YOUR CARELESSNESS. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640.

Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc Better Business Bureau. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.
Consumer complaint received 2017-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On my XXXX XXXX account the bureaus are reporting a late payment or a delinquency which is inaccurate i have send letters and also to the creditor, but so far no resolution have been made. please resolve this issue. thank you
Consumer complaint received 2017-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On my  XXXX    XXXX   account the bureaus are reporting a late payment or a delinquency which is inaccurate i have send letters and also to the creditor, but so far no resolution have been made. please resolve this issue.   thank you
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am writing to urgently inform you that I have been a victim of identity theft, resulting in several unauthorized accounts appearing on my credit report. These fraudulent entries were made without my knowledge or consent, and I am requesting immediate action to correct this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have filed an official identity theft report with the Federal Trade Commission ( FTC ), and I demand the prompt removal of these fraudulent accounts to restore the accuracy and integrity of my credit report.
Consumer complaint received 2017-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (UT)

I have tried multiple times to contact USAA to have them remove an account that shows a balance of {$550.00}. What happened was I lost my card and I guess when that happens they open a new account. So I have this random account that is 50 % of the limit that is hurting my credit and showing a payment is due. I have disputed the item twice with all three bureau. It looks like XXXX removed it but it is still showing on both XXXX and XXXX. This has been going on for over a year. I figured I should submit a complaint because I need this fixed.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XX/XX/XXXX NONE OF THESE ACCOUNTS ARE MINE THEY ARE ILLEGAL!!! 

Writing to dispute these ILLEGAL COLLECTIONS AND INQUIRIES ON MY XXXX REPORT! THESE ITEMS ARE ILLEGAL AND UNAUTHORIZED AND NEEDS TO BE REMOVED IMMEDIATELY FROM MY XXXX, EQUIFAX, AND XXXX REPORT. MY INFORMATION WAS BREACHED VIA EQUIFAX BREACHES, XXXX BREACHES, AND ALSO XXXX. YOU GUYS HAVE FAILED TO DO YOUR JOB AS CREDIT BUREAUS IN PROTECTING YOUR CUSTOMERS INFORMATION AND AS A RESULT I STILL HAVE ILLEGAL ITEMS BEING REPORTED BECAUSE OF YOUR CARELESSNESS. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX21
Consumer complaint received 2017-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (SC)

I have paid this debt already with proof to XXXX XXXX at The South Carolina Consumer affairs at South Carolina Consumer Affairs, Consumer Advocacy, Complaint No. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX. I want this company to stop harassing me
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

DATE : XXXX, XXXX  RE : REQUEST FOR REMOVAL OF INACCURATE ACCOUNTS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN CHARGED OFF ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. BELOW ARE THE DETAILS OF THE INACCURATE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : 1. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION.

2. REMOVAL OF INACCURATE CHARGED OFF : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY.

3. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION.

I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE 30-DAY TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. 

I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

SINCERELY, XXXX XXXX
Consumer complaint received 2017-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I contacted Transunion XX/XX/2012 about removing XXXX tax liens from my credit report. I was a victim of identity theft and a business was opened in my name. The business then failed to pay State Sales Tax resulting in tax liens filed against me. I was told I had to provide a police report which I have multiple times to get these removed from my credit report. XXXX was able to remove them with no issue YEARS ago from my credit report. Every time I speak with Transunion I am told the exact same story, that the documents have not been received and they 're unable to remove anything without them. Despite multiple faxed copies, that show as being received by the fax receipt and mailing multiple copies including certified copies, the company still claims they have not gotten the needed information from me. The company refuses to provide me with a direct contact or direct email address of where I can send this information. This issue has been on going for FOUR years doing damage to my credit and is not expected to be removed for another 2-3 years. This is completely unacceptable. I have sent in the requested documents multiple times only for them to be " not received ''.
Consumer complaint received 2016-11-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (FL)

We refinanced our house with another bank. US Bank has refused to return our escrow unless we pay them {$15.00} to cancel a check they say was mailed out to us a post office box we have not used in about 9 months. I have repeatedly called and even spoke with a supervisor who agreed we should not have to pay the {$15.00} because she verified I called prior to the issue of our escrow and verified the check would be mailed out to our home address. As of yet we have not received our money.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 XXXXXXXX Balance : {$7400.00} XXXX XXXX XXXXXXXX Balance : {$700.00}
Consumer complaint received 2024-11-13
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)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 XXXX XXXX XXXX. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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