davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
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. (FL)

I've found that my credit report has erroneous information for the third time, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-06
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$43000.00} XXXX XXXXXXXX Balance : {$43000.00} XXXX XXXXXXXX Balance : {$36000.00}
Consumer complaint received 2023-04-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

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.
Consumer complaint received 2018-04-14
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. (GA)

I have an account that appeared on my credit last year from XXXX XXXX on behalf of original creditor XXXX College and it was deleted off of my XXXX, XXXX and Transunion report by XXXX the dispute date was XX/XX/2017. Some how it has been reinserted this month on my XXXX, XXXX, and Transunion reports by a new collection agency going by the name of XXXX XXXX XXXX XXXX. I was not notified in writing or phone call about this debt nor does this account belong to me as I have placed a fraud alert on my credit files due to breach. It was previously removed from not being my debt and it was resold to another collection agency. I want this account removed back off of my credit reports immediately this is a violation of the FCRA by reinserting a deleted account back on my credit report.
Consumer complaint received 2018-06-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NJ)

I have a number of times contacted this company about private loans and this includes a career training loan. I have asked for them to lower payments or make it at least manageable to pay back. They stated the lowest they could make it was XXXX that is only for a year and then they would have to relook at the accounts and see if I would be able to keep it. They originally wanted over 800 dollars from me which is an entire paycheck. I have done my best for a year and now they want to up not only those loans but all of my payments on all my loans. I already pay over 600 a month, and am barely getting by. I am literally filling bankruptcy on my other debt because I can't keep up. My career training loan, was years ago and I can't seem to put a dent in it at all. Not to mention the school was not accredited and basically a scam and they ended up changing their name and closing a couple years later. When I asked the company of loan forgiveness as the school closed later they said their was nothing they could do for me. This company is a trap, and if I knew then what I know now I would have never gotten loans period. I need help.
Consumer complaint received 2018-04-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Russell Collection Agency, Inc (MI)

Hello, I am reaching out for help because recently I sent out letters via certified mail to XXXX Collection located in XXXX Michigan to let them know that theyre in violation of my HIPPA rights. They received my letter XX/XX/XXXX and I received a response in the mail XX/XX/XXXX of statements claiming that I owe {$90.00} and {$140.00}. 
On both statements they include services received which was XX/XX/XXXX XXXX  XXXX XXXX And XX/XX/XXXX XXXX XXXX XXXX complete. 
Within my letter I asked that they provide a copy of my signature with the provider of service to release my medical information to them, XXXX collection failed to do so. 
I also asked them to cease any credit bureau reporting until the debt has been validated by me, which they have also failed to do. 
My privacy was violated in which I am protected by HIPPA laws.
Consumer complaint received 2023-03-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (PA)

I received notification in the mail for two alleged debts for {$820.00} And {$1100.00} by and RESURGENT RECEIVABLES LLC and XXXX XXXX I have no contract and I have never given my social security number nor my personal information to this company ; nor do I have any financial obligation to both companies, so I requested debt validation and sent a cease and desist. The notices were sent certified mail with return receipts signed by an agent of both companies. I never received debt validation, nor did they cease and desist until the debt was substantially validated. 

This company purchased a charged off debt, they are not a party to the original transaction and have no rights, title or interests to collect on the alleged debts. They have not provided a bill of sale or a bill of assignment. The mere fact that this company is trying to extort me for monies will and should be punishable under title 18. 

RESURGENT RECEIVABLES went and obtained my credit report under false pretenses because I never applied for any goods or services with that company. Resurgent Receivables have violated federal and state laws listed below FDCPA, FCRA, TITLE 18 and TITLE 39 *18 U.S. Code 894 - Collection of extensions of credit by extortionate means ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

*39 U.S. Code 3005 - False representations ; lotteries ( a ) Upon evidence satisfactory to the Postal Service that any person is engaged in conducting a scheme ( d ) Matter otherwise legally acceptable in the mails which *39 U.S. Code 3001 - Nonmailable matter ( a ) Matter the deposit of which in the mails is punishable under section 1302, 1341, 1342, 1461, 1463, 1715, 1716, 1717, or 1738 [ 1 ] of title 18, ( d ) Matter otherwise legally acceptable in the mails which ( 1 ) is in the form of, and reasonably could be interpreted or construed as, a bill, invoice, or statement of account due ; but ( 2 ) constitutes, in fact, a solicitation for the order by the addressee of goods or services, or both ; ( A ) the following notice : This is a solicitation for the order of goods or services, or both, and not a bill, invoice, or statement of account due. You are under no obligation to make any payments on account of this offer unless you accept this offer
Consumer complaint received 2018-04-13
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)

Ive recently pulled my Experian credit report and Notice accounts that have been investigated and deleted by another credit bureau are still being reported by Experian. THIS HAS GONE ON TOO LONG AND NEED TO BE FIXED ASAP. I have disputed these same accounts with XXXX  and no investigation was done, only remain on my credit report. Attached to this letter is proof that these accounts were deleted by XXXX and are no longer reporting. Please follow suite and delete these accounts for accurate reporting. They must be deleted in order to show my true credit history. The FAIT CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. 

As part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

PLEASE DELETE THE FOLLOWING ACCOUNTS : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX acct XXXX XXXX XXXX/XXXX XXXX  Acct # XXXX XXXX/XXXX  XXXX  Acct # XXXX
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am writing to dispute the accuracy of several accounts that appear on my credit report. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and I am requesting that they be removed immediately. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C 1681 section 602 A, I have the right to privacy. Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years.

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

I am requesting that these accounts be removed from my credit report immediately, as they are inaccurate and have been reported without my written instructions. Thank you for your attention to this matter. Also Remove immediately all inquiries from all 3-reporting agencies. Remove all address from my reports and phone numbers, my Name is. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Please also remove all employment names from my reports. thank you in advance.
Consumer complaint received 2023-03-14
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. (NJ)

The unverified items indicated below are reported on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-14
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that 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 I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Ive reached out to XXXX, Experian and XXXX stating I opened a XXXX XXXXXXXX card in 2017 and I never received it due to some one stealing my mail and using my card for fraudulent purchases. I ended up having to pay the cards balance off and closed the account but for some reason it still shows negative reports on all 3 credit bureaus. I would like that account taken off my credit reports due to it being used fraudulently
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is 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.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy. 
XXXX ) Dept of EDXXXX - {$20000.00} XXXX ) XXXX  - {$1000.00} XXXX ) XXXX XXXX {$750.00} XXXX ) Dept of EDXXXX XXXX {$24000.00} XXXX ) Dept of ED/XXXX XXXX {$23000.00} XXXX ) Dept of EDXXXX - {$22000.00} XXXX ) Dept of ED/XXXX XXXX {$21000.00} XXXX ) Dept of ED/XXXX - {$13000.00} XXXX ) Dept of ED/XXXX - {$7500.00} XXXX ) Dept of EDXXXX - {$6600.00} XXXX ) Dept of EDXXXX - {$6100.00} XXXX XXXX Dept of EDXXXX - {$5000.00} XXXX ) Dept of EDXXXX - {$3500.00} XXXX ) Dept of ED/XXXX XXXX XXXX$3200.00} XXXX ) Dept of EDXXXX - {$3100.00} XXXX ) Dept of ED/XXXX XXXX {$2100.00} XXXX ) Dept of EDXXXX  - {$2000.00} XXXX ) Dept of ED/XXXX XXXX XXXX$1400.00} XXXX ) Dept of XXXX - {$1100.00} XXXX ) Dept of EDXXXX - {$1000.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX ) XXXX Acct # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX ) XXXX Acct # XXXX XXXX ) XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX XXXX  Acct # XXXX XXXX U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C, 1681 Section 604 A. Section 2. It also states that 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 reporting 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One balance $ XXXX Sent a check for total balance {$100.00} on XX/XX/XXXX, check # XXXX. 
Capital one claims they didn't receive the check and applied fees of {$25.00} On XX/XX/XXXX. 
On XX/XX/XXXX I travelled overseas to attend to my father in hospital having a XXXX XXXX. 
I returned on XX/XX/XXXX. 
On XX/XX/XXXX Capital One charged further {$40.00} to bring the balance to {$160.00}. 
I did call Capital One when I realised the charges on my statement and I explained that a final total payment was sent back XX/XX/XXXX! Can they fix their records as I just got notified by the credit Bureau about late payment. After long detailed conversation with Capital One explaining about the unawareness of the lost check payment, travel and insignificant amount not paid they still went on and reported the late payment a day later and damaged my credentials as if they didn't care! I find this action is harsh and unfair especially explanation offered when I was notified and settlement was made. Capital one damaged my credit by XXXX point down across the three credit Bauru 's. Capital one ignored the credit consumer protection bureau laws : Capital one has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681 Section 604a Section 2 also, states a consumer reporting agency can NOT furnish an account without my written consent finally under 15 USC 1666 b a creditor can NOT treat a payment on credit card account under an open consumer credit plan as LATE for any purpose.
Consumer complaint received 2023-03-13
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. (AZ)

This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT. That you did not verified as required by law on my consumer report.

1. XXXX XXXX  ; Account : XXXX 2. XXXX Account : XXXX 3. XXXX XXXX XXXX  Account : XXXX**** 4. XXXX XXXX Account : XXXX 5. XXXX XXXX XXXX  XXXX Account : XXXX This accounts are fraudulent and should be removed immediately from my consumer report. 
This is a violation of my rights under 15.USC 1681 .