Consumer complaint received 2024-10-25
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: PayTomorrow, LLC (TX)

[ When the bureau responds to your dispute and request for verification/validation, their response may be vague. For instance, they will sometimes just say verified without offering actual proof. When this happens, you have the right by law to challenge how the credit bureau came to the decision. FCRA Act Section 611, gives you the right to request an explanation of the verification method used by the CRA. If either party has the records you can request a copy under the FACTA act, SEC 312 ( b ) and ( c ). This document will need modifications depending on the situation. See the notes below ( in bold ). Add those modifications when you're in the final step of the XXXX XXXX XXXX XXXX ( the final viewer/editor page ) and then delete these instructions ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Attn : Customer Relations Department XX/XX/XXXX Re : 1. The following personal information is incorrect Account Number : Former : XXXX, XXXX 2. The following personal information is incorrect Account Number : Former : XXXX, XXXX, XXXX 3. The following personal information is incorrect Account Number : Former : XXXX, XXXX, XXXX 4. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX 5. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 6. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 7. The following personal information is incorrect Account Number : Employers : XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

12. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

13. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please supply information on how you have verified this item. 

14. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

15. The following personal information is incorrect Account Number : Former : XXXX, XXXX 16. The following personal information is incorrect Account Number : Former : XXXX, XXXX, XXXX 17. The following personal information is incorrect Account Number : Former : XXXX, XXXX, XXXX 18. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX 19. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 20. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 21. The following personal information is incorrect Account Number : Employers : XXXX To Whom It May Concern : I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! 

1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
2.What certified documents were reviewed to conclude your investigation?

3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4.What did it cost your company to obtain the documents needed to complete your investigation?

5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a.Who did you speak to?

b.On what date?

c.How long was the conversation?

d.What was their position?

e.What telephone number did you call?

f. What is the name of the employee of your company that spoke directly to the above party?

g.What is the position of the employee of your company that spoke directly to the above party?

h.How long has that employee been employed by your company?

i.What formal training was provided to this employee to investigate items of this kind?

j.Was there any e-mail or written communication between members of your company and the above party?

8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.

My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.

This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial. 

Please respond accordingly, XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with nonmonetary relief Company responded Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. XXXX has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days. In response to your request to block fraudulent information appearing on your credit report, we sent you a letter to inform you the documents you provided were incomplete and included a XXXX affidavit for you to complete and return. Based on the documents you provided, we sent you a letter to inform you the documents provided were unacceptable ; we included a list of acceptable documents and provided instructions on where to send them. 
DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following Personal Information on your credit file. Below includes the actions taken : Name - REMOVED Address - UPDATED Employment - REMOVED You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. 
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 PAYTOMRROW-VERIFIED AS REPORTED Other miscellaneous actions take based on your request were : Inquiry - DELETED