davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
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. (NC)

Transunion says : " CNFA '' XXXX XXXX XXXX XXXX Ohio ( XXXX ) XXXX on XX/XX/XXXX : lodged a credit hit. I did not open this, it's using my stolen id. 
I spoke with their fraud dept : XXXX and XXXX. 
Called Transunion M-F XXXX, Sa-Su XXXX ( XXXX ) XXXX XXXX says : XXXX XXXX XXXX XXXXXXXX '' XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX lodged a credit hit. I did not open this, it's using my stolen id. 
Called XXXX  XXXX XXXX had the XXXX complaint lodged on XX/XX/XXXX. 
They ran an investigation upon my request and found : " The Results Of Our Reinvestigation >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' I did not open this account and it's dragging my credit score way down.
Consumer complaint received 2024-05-06
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. (PA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 
Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXXXXXX {$390.00} XXXX XXXX XXXXXXXX {$420.00} XXXX XXXX XXXX XXXX XXXXXXXX {$700.00} DOE XXXX - XXXX al {$1200.00} DOE XXXX - XXXX al {$2000.00} DOE XXXX - XXXX {$7700.00} DOE XXXX XXXX XXXXXXXX l {$4000.00} DOE XXXX - XXXX {$2500.00} DOE XXXX XXXX XXXX {$2500.00} DOE XXXX XXXX XXXX {$4000.00} DOE XXXX - XXXX {$3800.00} DOE XXXX - XXXX {$2200.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX - XXXX {$290.00} XXXX XXXX XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

FCRA XXXX mandates the elimination of any erroneous entries from my credit dossier. Could you kindly review the records? Certain entries therein are flawed in terms of their reporting accuracy. Compensation of {$1000.00} per each misreported item on my credit record is expected.
Consumer complaint received 2024-05-06
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. (NV)

As of my May credit report on XXXX XXXX and TransUnion. Never open a XXXX credit card don't know anything about XXXX credit card I didn't say a fraudulent activity. Attempting to dispute at all levels. File a complaint with attorney general 's office consumer protection as well. XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX XXXX XXXX C.U Inquiry Date : XX/XX/XXXX, XXXX XXXX XXXX C.U Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX & TRANSUNION LLC Inquiry Date : XX/XX/XXXX
Consumer complaint received 2023-02-10
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)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX this account below has violated my rights according to 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.

Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report.Thanks
Consumer complaint received 2024-05-03
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. (TX)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. I want to emphasize that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THIS IS AN INSURANCE BILLING ISSUE. MY INSURANCE PLAN PROVIDER FROM PREVIOUS EMPLOYER WAS XXXX. I WAS ASSIGNED TO XXXX AS MY CARRIER. THEN AT YEARS END TO XXXX. DURING THE SWITCH OVER MY MEDICAL PROVIDERS GOT THE BILLING MIXED UP AND MY EOB WRONG! I WROTE TO XXXX, WHO ASSIGNED A MANAGER TO INVESTIGATE. SHE CONTACTED SOUTHEAST ORTHOPEDICS ABOUT THE MIX UP. PROVIDED THEM WITH THE CORRECT EOB AND BILL AMOUNT. WHICH I PROMPTLY PAID IN FULL! SENT SOUTHEAST ORTHOPEDICS A MESSAGE CORRESPONDENCE VIA MY HEALTH PORTAL WITH A SCREEN SHOT OF THE BILL I PAID IN FULL. THEY IGNORED THIS AND CONTINUED TO BILL ME THE INCORRECT AMOUNT. AND THEN REPORT IT TO A COLLECTIONS AGENCY! MY WIFE AND I HAVE STRUGGLED VERY HARD TO ACHIEVE AN EXCELLENT CREDIT SCORE AND AS WE ARE IN THE PROCESS OF PURCHASING A NEW HOME... THIS NEGATIVE REPORT HAS AFFECTED OUR CREDIT SCORE AND REPORT!
Consumer complaint received 2022-11-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Improper use of your report — Reporting company used your report improperly
Company: Colony Brands, Inc. (NC)

15 USC 1681 Section 602 States have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer '' furnish an account without my written instructions.

15 USC 16668 : A creditor may not treat a payment on a credit card open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-22
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. (TX)

Despite previous notifications and attempts to rectify the situation, TransUnion has failed to conduct a proper investigation and continues to report the account XXXX XXXX XXXX XXXX inaccurately. 

On XX/XX/2023, I sent a letter to TransUnion detailing the specific errors associated with the account in question, which involves the collection agency XXXX XXXX. I provided evidence highlighting the inaccuracies, and I expected a thorough investigation and prompt correction in accordance with the Fair Credit Reporting Act ( FCRA ). XXXX has since removed this account. 

To my dismay, TransUnion has neglected to remove the inaccuracies from my credit report, demonstrating a clear violation of FCRA regulations. The continued reporting of unverified information not only damages my creditworthiness but also constitutes defamation of character. 

Given the persistent non-compliance with FCRA guidelines, I must inform you that I am left with no recourse but to pursue legal action against TransUnion to seek relief, damages, and corrective measures. 

I urge TransUnion to address this matter promptly and rectify the inaccuracies on my credit report within 14 days. Failure to do so will leave me with no option but to initiate legal proceedings. 

I have documented our communications and the specific instances of non-compliance, which will be presented as evidence in any legal proceedings. It is my sincere hope that TransUnion will take immediate action to rectify this situation and prevent the need for further legal action. 

I have attached the dispute letter, which is dated, and time stamped as well as the credit report with clear inaccuracies such as the date last active and the 2-year payment history.
Consumer complaint received 2023-09-01
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)

My credit report is showing late payments to DEPT OF ED/XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative.
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: EQUIFAX, INC. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2200.00} XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX  Inquired on XX/XX/2022.
Consumer complaint received 2024-05-06
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. (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 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX 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.
Consumer complaint received 2024-05-06
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. (PA)

Accounts and Charges are popping up that i did not authorize XXXX XXXX  XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$7100.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX spending credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$2600.00}. 
This account is being reported on my credit report multiple times with the same creditor and open date. Please remove this error and any negative information in this account immediately. 
XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$3700.00}. 
This account is being reported on my credit report multiple times with the same creditor and open date. Please remove this error and any negative information in this account immediately. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$6900.00}. 
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit any purpose Collection account from XXXX with account # XXXX and a balance of {$1200.00}. The original creditor is XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as
Consumer complaint received 2024-01-22
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. (NC)

I applied for a credit card for XXXX XXXX. I was turned down for the following reasons given by TransUnion : Time since most recent account opening is too short Length of time revolving accounts have been established Too few accounts currently paid as agreed Proportion of balances to credit limits on bank/ national revolving or other revolving accounts is too high Number of inquiries on credit report None of these apply to my account. I called XXXX. They said these reasons were based on the information TransUnion gave to them and I should call TransUnion. I called TransUnion. They said it was based on the interpretation by XXXX. I have good credit!!! None of this makes sense, I don't know why I was turned down and I completely stuck in the middle with no one to help. 

I also intend to send this complaint to the senate " Consumer Protection, Product Safety and Data Security '' committee.
Consumer complaint received 2023-01-19
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. (NC)

I have Fraudulent Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Open Status Late 30 Days Past due amount {$1000.00} Fraudulent Account : XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$870.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Open Status Late 30 Days Past due amount {$0.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$50.00}
Consumer complaint received 2024-05-06
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)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-22
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. (OH)

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 15 USC 1681. has violated my 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 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. Please delete the following accounts : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-27
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: CAVALRY INVESTMENTS, LLC (MA)

I'm trying to buy a house, and I realize I still have damages on my credit report. According to the 15 USC 1681 Law, there should not be any damages on my credit report. This is a defamation to my character.