Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Repair Anywhere (NV)

Subject : Demand for Immediate Deletion of Inaccurate Items Due to FCRA and FDCPA Violations Dear XXXX, I am writing to demand the immediate removal of certain items from my credit report that are inaccurate, unverifiable, and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Your actions, or lack thereof, in maintaining and reporting this erroneous information classify you as a debt collector engaging in interstate commerce, thereby subjecting you to scrutiny under these federal regulations. 
Violations and Disputed Items : XXXX. Unauthorized Credit Inquiries : SYNCB Date of Inquiry : XX/XX/2022 Action Required : Remove this unauthorized inquiry, as it was not initiated or authorized by me. XXXX. Inaccurate Tradelines : XXXX XXXX Account Number : *** Violation : This account violates 15 U.S.C. 1692j as I have not participated in the collection of this alleged debt. The continued reporting of this item is highly detrimental to my credit score. Immediate deletion of this item is required. 
XXXX XXXX Account Number : ** Violation : This account also violates 15 U.S.C. 1692j as I have not participated in the collection of this alleged debt. Your continued reporting of this erroneous information severely impacts my creditworthiness. Immediate deletion of this item is required.

Legal Basis for Removal : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX has failed to meet this standard by reporting inaccurate information on my credit report. 
15 U.S.C. 1681i : If the completeness or accuracy of any item of information contained in a consumers file is disputed by the consumer, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with this section, before the end of the 30-day period beginning on the date on which the agency receives notice of the dispute from the consumer. I have provided notice, and you are obligated to resolve these issues promptly.

15 U.S.C. 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies. Information provided must be accurate and complete. The erroneous information reported about my accounts violates this provision. 
Fair Debt Collection Practices Act ( FDCPA ) Violations : 15 U.S.C. 1692a ( 6 ) : Your actions in reporting and verifying these debts classify you as a debt collector. By engaging in interstate commerce and maintaining these inaccuracies, you are bound by FDCPA regulations.

15 U.S.C. 1692e : Prohibits false or misleading representations, including any false, deceptive, or misleading representation or means in connection with the collection of any debt. Reporting these inaccurate accounts violates this provision. 
15 U.S.C. 1692f : Prohibits the use of unfair or unconscionable means to collect or attempt to collect any debt. The continued reporting of these items despite their inaccuracies and my disputes constitutes unfair practices.

Definitions and Explanations : Fraud : Fraud is the intentional deception made for personal gain or to damage another individual. It involves false representation of a matter of factwhether by words or by conduct, by false or misleading allegations, or by concealment of what should have been disclosedthat deceives and is intended to deceive another so that the individual will act upon it to their legal injury. 
Extortion : Extortion is defined as the practice of obtaining something, especially money, through force or threats. It involves coercing an individual to provide money, property, or services by threatening violence, property damage, harm to reputation, or unfavorable government actions. 
How XXXX is Committing Fraud and Extortion : Fraudulent Reporting : By knowingly maintaining and reporting inaccurate information, XXXX is deceiving financial institutions, consumers, and other stakeholders. This results in consumers facing higher interest rates, denial of credit, and other financial hardships. The inaccuracies reported by XXXX, whether through unauthorized inquiries or erroneous tradelines, are false representations that deceive creditors into making adverse decisions against consumers. This deception directly benefits XXXX by perpetuating a cycle where consumers feel compelled to purchase credit monitoring services and other financial products. 
Extortion Through Financial Pressure : XXXX refusal to correct these inaccuracies constitutes extortion. By maintaining false information on my credit report, XXXX is leveraging this misinformation to exert undue financial pressure. This pressure forces consumers into resolving debts that may not even be valid, thereby coercing them into making payments or taking actions under duress. This is a clear violation of my rights and is a direct attempt to benefit financially from the distress caused to consumers. 
FTC Reports : The FTC reports I have attached are a result of your furnishing the listed accounts without my permission. I have not committed a fraudulent FTC report. These reports serve to document the unauthorized and unethical actions you have taken. It is both unethical and illegal for you to not accept and act upon my disputes in accordance with federal law.