davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-21
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: EQUIFAX, INC. (FL)

I have already disputed these accounts but the bureaus did not remove them, nor prove validation. please remove these items from my credit files. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, has violated XXXX 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
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I reviewed my consumer reports and noticed that i had late payments on a account when i was not late. From the date of my account being open which was XX/XX/XXXX the dates have been inaccurate on my consumer report. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i was not late with payments for this account on XX/XX/XXXX XX/XX/XXXX and upon viewing my consumer report again there was inaccurate reporting on dates. Please investigate and provide proof with statements showing that these late payments were late and furthermore any repossessions and my consumer report having no inaccurate information to the best of their ability with maximum accuracy being reported. The following are inaccurate information on my consumer report ( LAST VERIFIED ) Transunion XX/XX/XXXX XXXX- nothing reported XXXX XXXX reported ( DATE LAST ACTIVITY ) Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX DATE REPORTED ) Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX DATE OPENED ) Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX BALANCE OWED ) Transunion {$10000.00} XXXX {$10000.00} XXXX {$10000.00} ( ACCOUNT RATING ) Transunion- DerogatorXXXX XXXX XXXX Derogatory ( ACCOUNT STATUS XXXX Transunion XXXX XXXX XXXX XXXX Closed ( CREDITOR REMARKS ) TransunionXXXX XXXX XXXXXXXX XXXX- Nothing ReporteXXXX XXXX- Nothing Reported XXXX LAST PAYMENT ) Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( TERM LENGTH ) Transunion- XXXX XXXX XXXX XXXX XXXX XXXX -nothing reported... If proof cant be provided i demand all payments be updated to paid as agreed on time as they should be due to the fact i wasnt late and there are inaccurate information on my consumers report. Thanks! please see screenshots attached
Consumer complaint received 2019-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (OK)

The collection that AFNI is trying to collect is {$250.00} and the original creditor is 11 XXXX XXXX. Previously this month thus collection was disputed by the original creditor and it was dismissed from my credit report only to reappear weeks later as an AFNI collection. I would like this removed as well as I didnt own the original debt so therefore do not own this debt.
Consumer complaint received 2019-07-28
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: Experian Information Solutions Inc. (TX)

I have sent 4 certified letter to Experian asking to verify the following accounts XXXX {$730.00}, XXXX XXXX XXXX {$630.00}, XXXX XXXX XXXX {$150.00}, They have failed to send me proof of these accounts in the form of the original sign document but are stating Verified and Accurate, I don't know how or who verified these incorrect items on my consumer report, This is holding me back from buy house and car loan,
Consumer complaint received 2023-08-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Americas Car-Mart, Inc. (GA)

I was a second time customer with the company. First vehicle was paid off successful but management had changed with the second vehicle. Vehicle purchased XX/XX/XXXX and all payments were current. In the month of XXXX, when the due date arrived, I spoke with the corporate office and informed them I would be making the current payment when by next Benefits from Social Security was received. I received a phone call and a home visit from representatives from the local office stating I needed to come into the office to discuss the matter. These occurrences were XXXX day before the second Tuesday of the month ( the day I received my benefits ). I went into the local office and spoke with the XXXX ( advised her I had spoke with the XXXX XXXX ) and she informed me that If I couldn't make the payment at that " moment ' I would need to provide her with the key and leave the vehicle. During this conversation she also informed me that my additional " TAX PAYMENT '' had not been made. This company charges and " extra '' payment to customers at the beginning of each year. In closing, keys were surrendered and I cleaned out the vehicle. When I approached the vehicle someone had already placed the seat belt through the steering wheel so the vehicle couldn't be move. 

I received a notice of plan to sell property dated XX/XX/XXXX ( XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Charged my Account for insurance that was not needed on a XXXX. Policy XXXX & XXXX for XXXX and XXXX. In XXXX Wells Fargo notified me that I did not have insurance. I sent them the information that I did have insurance. I would call them to confirm that they received and they the documents and they would varying explanations such as 1 ) We didn't get it 2 ) Oh we got it but its for the wrong dates 3 ) Oh that was sent to the wrong fax number, that goes to another department let me give you the correct one 4 ) We got it we will make the adjustments. This went on for two years and I felt like I was helpless to do anything. I escalated to a Supervisor over the issue but nothing was ever done. I was at the mercy of an invisible verification system that I was unable to see or confirm for myself. So I was paying inflated premiums for a Policy that I could not see or ever received any documentation of and paying my regular insurance. This is a travesty to charge thousands of Americans INFLATED Insurance rates. 

So now 6 years later Wells Fargo is asking for information that I sent them in XXXX. I do not have that car anymore or remember who my insurance agent was. It was either XXXX, XXXX or XXXX. I should not be responsible for calling insurance companies from 6 years ago and waiting on hold to send them information that I already sent them.
Consumer complaint received 2024-06-29
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. (MD)

When I examined my credit report, I found that certain details were incorrect. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), it is essential for the three credit bureaus to verify these accounts. Failing to validate this information within the legally mandated timeframe without substantiating evidence is not permissible. The accounts listed on my credit report require investigation and correction due to inaccuracies in reportings : TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-29
Product: Credit reporting 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)

Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

i sent multiple letter regarding inaccurate information on my credit report its been over 60 days and i have not seen any results this isnt a regular dispute i have filed with XXXX XXXX XXXX  and the federal trade commission this needs yo be resolved asap or i will file for litigation
Consumer complaint received 2023-10-27
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)

Several years ago, I noticed that someone was using my personal information and even had me living in XXXX, Ohio. I reported this theft to all three credit bureaus and I assumed it was removed and fraud alerts/a freeze was placed on my credit report. I never thought about it again. I recently saw this XXXX address again and I'm now wondering if anything was removed years ago and/or if this thief is back. I also recently filed bankruptcy. I immediately see all of these hard hits popping up on my credit. It's not me. I did apply for a XXXX XXXX credit card and was approved for {$300.00}. This was me. I do see XXXX XXXX XXXX, who is the leaseholder of my new car. This is me. However, everything else is fraud. I only see the hard hits. I'm not sure if anything was approved or not. I hope not. It's as if the thieves were waiting on my bankruptcy to clear everything up, so they could start fresh. I too, would want to do this, but do so reasonably. I also have some things that I would think should have been removed with my recent bankruptcy. I also have pictures and emails from XXXX XXXX, with large amounts pending. These have since disappeared. The emails were welcoming me to my new account. I have no new account. I did speak to XXXX and they don't see any of this. I'm so glad that I took pictures and I have it. I don't think anything fraudulent has come of this. I hope not anyway. I'm sure I'm missing information to give you, but I think I have covered everything. I think.
Consumer complaint received 2024-06-29
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. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX  XXXX XXXX Balannce : {$410.00} XXXX XXXX Balance {$580.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA THAT THE 3 BUREAU required by law to remove any account which is found to be opened due to identity theft.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 
XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$250.00} XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX XXXX : {$830.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$490.00}
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am exercising my right to have this disputed and investigated because these accounts are incorrectly reported on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each erroneous report on my credit file. I understand that FCRA 605B mandates reporting any inaccurate accounts on a consumer 's report.
Consumer complaint received 2024-06-29
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. (SC)

Over 30 days ago, I wrote to your company indicating my complaint of information in my credit report. 

XXXX XXXX Balance {$13000.00} Look at this account please remove the latepayments. This is reporting inaccurate
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$11000.00}
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NATIONSTAR MORTGAGE LLC (PA)

XX/XX/XXXX XXXX XXXX notified me that my credit report had been adversely impacted. In looking closer at my report, the reason for the negative impact is only due to numerous inquires. I reviewed the inquiries and I noticed that my mortgage company, Nationstar, had run XXXX separate inquiries last Fall when I refinanced my primary residence. See below : NATIONSTAR MORTGAGE via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Authorized Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX, XX/XX/XXXX and NATIONSTAR MORTGAGE via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Authorized Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX I reached out to XXXX and was informed that they could submit a request of deletion but only under the direction from Nationstar. I left a vm with Nationstar on XX/XX/XXXX and on XX/XX/XXXX a social media analyst ( contact info below ) called me to obtain some further information. I e-mailed her my complete credit report and the fax number XXXX had given to me to provide to Nationstar so this could be rectified. XX/XX/XXXX - XXXX called me to inform me that Nationstar would not be sending any letter of deletion due to the need to run both hard and soft credit inquiries. I asked for something in writing be sent to my e-mail and she indicated that she could n't grant that request and that it would be a legal issue. I have spoken with XXXX XXXX, as XXXX advised was my next step, and they informed me that all the inquiries are 'hard '. XXXX XXXX also informed me that they could n't delete transactions unless the creditor directed this action. In addition to not authorizing ( not being informed that multiple checks would need to be run and could negatively impact credit ), I feel that any mortgage company that operates under this practice borders on unethical considering a negative credit report can thus tie a consumer to one mortgage company. If there is no regulation on multiple inquiries what is to stop a creditor from damaging a consumer 's credit enough so a consumer can not shop a better rate? <P/>Representative from Nationstar : XXXX XXXX XXXX Media Analyst II, XXXX XXXX Nationstar Mortgage Office : ( XXXX ) XXXX Fax : ( XXXX ) XXXX
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

All the following accounts were already closed by the law under Bankruptcy Court of the United States of America in XXXX FL Case number XXXX XXXX. It is ordered a discharge under 11 U.S.C 727. Now the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-29
Product: Credit reporting 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. (MN)

It has come to my attention that my credit with your bureau has been compromised. Upon reviewing my records, I noticed that the items I requested to be removed are still present in my credit report. As per section 605b of the FCRA, you are legally obligated to remove items identified as resulting from erroneous credit report details. The disputed items were unknown to me. Enclosed is the XXXX XXXX XXXX XXXX XXXXXXXX, which I have previously submitted. Please remove these items immediately. If you believe there is any possibility that these items belong to me, I request all documentation bearing my signature. Failure to provide such records and verifying these items will result in legal action. My attorney and I take this matter seriously, and I expect full compliance with the law to resolve this swiftly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX ; XXXX XX/XX/XXXX. Kindly remove the disputed items, as they were opened without my consent or knowledge, in accordance with Section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-03-11
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. (IL)

factual dispute Equifax has continued to allow XXXX to report inaccurate information even after several disputes this year alone. this account is reporting a {$0.00} amount for last payment on account credit reporting when by XXXX on response document states {$43.00} actually was last payment on XX/XX/XXXX as of XX/XX/XXXX XXXX  certified in accordance with the FCRA laws was reporting correctly in fact the account has not been reporting accurate information violating my consumer rights to accurate reporting I have attached three document 1 ) EQUIFAX PAYMENT HISTORY REPORT 2 ) XXXX RESPONSE LETTER STATING THE ACTAUL LAST PAYMENT AMOUNT 3 ) XXXX RESPONSE LETTER STATING THEY VERIFIED THEY ARE REPORTING LAST PAYMENT INFORMATION ACCURATE when in fact they have not and closed out another complaint with a statement they are attempting to buy the debt back from current debt owner why is this if everything is lawful. MAY I REMIND YOU XXXX & XXXX HAS REINVESTIGATED THIS ACCOUNT AND HAS DELETED THIS ACCOUNT FROM THIER REPORTING FILE AND FURNISHER ( XXXX ) IS ATTEMPTING TO BUY THE DEBT BACK IN HOPES OF ( DAMAGE CONTROL ) COVERING UP UNLAWFUL ACTS MAD ON ACCOUNTN BEFORE DEBT WAS SOLD TO CURRENT DEBT OWNER