Consumer complaint received 2024-05-23
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: TRUIST FINANCIAL CORPORATION (GA)

Shalom XXXX  Staff member, I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THE FOLLOWING ITEM ( S ) TO BE ERRORS, OR ARE DEFICENT OF PROOF OF NOT BEING UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, OR ELSE WISE NOT COMPLIANT, TO INCLUDE TO METRO 2 REPORTING STANDARDS. 
Here as follows are items in potential error requiring immediate annulment and or reporting Ive been harassed by XXXX XXXX for over 12 years perhaps even 15 years for a debit disputed for jacking up my credit card debit owed. It was originally a {$500.00} XXXX XXXX credit card that I have gotten down to {$190.00} they pushed the balance up to over {$450.00} as of if I never paid them that was XXXX. I have lived @ XXXX  different homes since then and always just threw their letters away. In XXXX of this year they violated the FDCPA XXXX XXXX XXXX ( c ) law again by having a lady named XXXX from XXXX XXXXXXXX contact me willing to finally settle for the {$190.00} that I owed. Upon her second email to me I replied with a screen shot of XXXX XXXX XXXX XXXX that states FCRA Section 805 ( c ) Running of the reporting period : Creditors or collection agencies, and credit bureaus if they try and 'Re-age '' my account by updating the date of last activity on credit report n the hopes of keeping negative information on my account longer tis is a $ XXXX - Violation. This man, XXXX XXXX clearly outline my rights and how I can refuse to pay a debt collector and sue for $ XXXX per contact. XXXX was told she now owes me $ XXXX and she had not contacted me anymore. What Id like to do is sue XXXX XXXX for any where between $ XXXX to $ XXXX denying me credit, writing letters for a false balance for over a decade. I do not have all the letters they sent me over the year CFPB staff member as I always just threw them away but I do have the two emails from XXXX of XXXX XXXX. I also have a similar matter with Truist Bank who I never had an account with claiming I owe them {$250.00} or {$350.00} but that was sold to them from XXXX & XXXX XXXX as I never had an account with Truist Financial Corporation. I was denied opening a Credit Union account with XXXX  XXXX XXXX XXXX because of this pseudo and most likely illegal report via XXXX which I learned about that day inside that XXXX  XXXX XXXX XXXX  @ the time I was with XXXX XXXX  and by credit score was in the XXXX but now Im with XXXX XXXX XXXX XXXX and my score according to XXXX XXXX is down to XXXX. I know these two matters have to be illegal and that your staff at CFPB by federal law are obligated to remove both XXXX XXXX and Truist Banks false claims. Today XX/XX/XXXX I just open a letter from the XXXX at Truist Bank pretending that I made an inquiry of Identity theft which I did not state. I said they bought a fraudulent claim from Two scamming XXXX & XXXX workers who quit working at XXXX XXXX XXXX and took cash money from my account because I told them of my Hebrew faith which insulted their XXXX  XXXX  XXXX, They are the ones who created the phony negative statement within my XXXX account based on fee of {$10.00} per month for a savings account. You can call Truist bank and pull the phone calls and you'll hear the exact same thing stated by me. Those XXXX wicked people then sent a report to XXXX and XXXX XXXX XXXX went bankrupt and XXXX bought them. It's that simple any debt Truist Bank is saying they have in my name is a scam and not valid as it's a egregious attempt to collect a debt that was never there's. 

I want both of the fake and negative reports on my credit report to all the three credit bureaus to be removed from my credit report per Metro 2 Compliant Recording standards. 

Please remove this inaccurate, untrue, incomplete and non-compliant information from my credit report immediately. 
This is a violation of the FCRA and it is also in violation of requisite Metro 2 Compliant Recording standards. 

By provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 Compliance regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Kindly remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you will must complete this re-investigation within 30 days of receipt of this letter. 

THANK YOU VERY MUCH IN ADVANCE for your WILLFUL rectifying of the noted MIS-INFORMATION indicated above. 

Truly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. and XXXX