davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IN)

In accordance with the Fair Credit Reporting act. the list of accounts below has violated my federally consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 state a consumer reporting agency can not furnish a account without my written instructions. 15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crime 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 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.
Consumer complaint received 2023-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC (CA)

Loan originated from XXXX XXXX. They sold loan to Specialized Loan Servicing. Loan was sold with impound account including taxes and insurance. SLS did not pay insurance bill. Policy lapsed for two months until I paid insurance. Premium was {$100.00} more. SLS fined account {$76.00}. Called company, who insisted insurance was not part of escrow. I have done 7+ loans with XXXX XXXX. Insurance is always included in the impound account.
Consumer complaint received 2024-07-21
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. (MI)

I am a victim of XXXX XXXX  of Debt bondage and would like for all listed accounts to be blocked and deleted : XXXX XXXX {$0.00} XXXX Update to never late XXXX XXXX {$6300.00} XXXXXXXX XXXX XXXX XXXXXXXX {$2400.00} XXXX Remove XXXX XXXX XXXX Remove XXXX XXXX XXXX XXXX XXXX Remove Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Remove XXXX XXXX XXXX Remove Inquiry XXXX XXXX XXXX Remove Inquiry XXXX XXXX Remove Inquiry XXXX XXXX XXXXXXXX Remove Inquiry XXXXXXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

In accordance with the FCRA, ( XXXX, XXXX, Equifax, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX  account # XXXX ) I am Attaching identity and proof of address.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to dispute the following information on my credit profile and have the following account numbers here to be removed from my credit profile immediately. I am a victim of identity theft and did not open any of these accounts. I also haven't made any of these inquries below and would like all information below deleted 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 XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent inquiries : XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS GRAIN XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS CREDIT XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS CREDIT XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS EXPERIAN BUSINESS CRED Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-11-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I do not consent to electronic communications. I request all responses be in writing through the USPS.As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the XXXX FCRA XXXX ( XXXX U.S.C. XXXX ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it againXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (PR)

I have tried to make XXXX payments on my loan to the Aidvantage company and all three times they have made a reversal payment. I was very careful to verify my bank account information when making my purchases. Because of that I have a late payment and because of that more interest accumulates so I want it to appear as if I had paid on time. 

I have not contacted them directly but I have searched for information online and cases appear with similar problems where the company only blames the person or the bank and I really do not try to go through that process to waste my time. Someone else fixed the situation by submitting a complaint here and that is what I want to do. 

The dates of the attempts to pay were : XX/XX/2023, XX/XX/2023 and XX/XX/2023. 

I have the XXXX emails that Aidvantage sends with payment confirmations. 

My bank account is with XXXX XXXX XXXX XXXX XXXX, with routing number XXXX.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

on XX/XX/year> | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of thewrongperson.|
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

PLEASE DELETE THE FOLLOWING : XXXX M Date of inquiry : XX/XX/year> XXXXXXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXXccount Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXX Balance Owed : {$540.00}
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MA)

Good morning! I am having an issue with Equifax and my 3 XXXX XXXX accounts not being reported. This basically shows now that I have no credit history thus hurting my overfall history. 

Ive reached out to XXXX  XXXX and they said they have been reporting, which they do show up on my XXXX and XXXX. 

I spoke to Equifax and they just tell me to call XXXX  XXXX. Im getting nothing but run around. 

Ive attached copies of my credit card statements. And Ive attached pictures of the accounts being listed on XXXX and not being listed on Equifax. 

Please help!
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

" As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX. XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete 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
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

Experian is reporting an incorrect name on my credit report. The credit report is showing " XXXX XXXX ''. But my only name is XXXX XXXX. Credit reporting agencies have a duty to report only accurate information. Otherwise it violates my consumer rights.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts contain inaccuracies in their reporting. I am entitled to receive {$1000.00} for each incorrect entry on my credit file.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that Bureaus investigate this account for me to ensure accuracy. Here is the account XXXX XXXX XXXX XXXXXXXX i am asking you to verify as accurate
Consumer complaint received 2023-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

From XX/XX/XXXXXXXX  until present my tax payment has been collecting {$650.00} monthly based on an estimated tax of {$7800.00}. I'm not sure what their estimate is based on, but the XXXX  taxes that were paid when I closed on the house was {$3600.00}. I called the county and they said based on the new tax estimate the mortgage company should be able to make and adjustment. I called the mortgage company on XX/XX/XXXXXXXX  and asked how to have it adjusted. They said to send the proposed property tax that I received from the county, and they would review it and make the adjustment. I scanned it in and sent it in as requested on XX/XX/XXXX. I called and spoke to XXXX, who said they received the document, but the new payment was not based on a reassessment. She said that I could reupload it and give them until XX/XX/XXXXXXXX  to reassess the taxes. I called again today XX/XX/XXXX, and they said they would not adjust it based on the fact that the documentation was an estimate not an actual tax bill. It can not possibly be legal for them to estimate over twice what the tax is, collect on twice what the tax is, and continue to collect twice the amount, when I have documentation showing the max  tax would be {$4800.00}.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

PLEASE BLOCK AND REPORT Kindly take urgent measures to remove the unauthorized inquiries from my credit report, as they are causing me significant distress. I did not approve or initiate these accounts, and it is unjust for me to be held responsible for them. I urge you to promptly address this issue.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I recently reviewed a copy of my credit report and I noticed a fraudulent account on my credit reports. I do not recognize this account, nor did I authorize this account. Please remove this fraudulent account from my credit report, it is hurting my credit score and making it hard for me to obtain credit. The fraudulent account is XXXX XXXX XXXX  with the account number XXXX with the balance of {$73.00} reporting.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

COMPANY : XXXX XXXX FEDERAL TRADE COMMISSION - IDENTITY THEFT REPORT FTC REPORT NUMBER # XXXX AMOUNT : {$4500.00} I CURRENTLY HAVE A FRAUD IDENTITY THEFT/ FRAUD CASE ON MY CREDIT REPORT ACCOUNT. A RESULT FROM NUMEROUS FRAUDULENT CREDIT ACCOUNTS ON MY CREDIT REPORT WHICH DO NOT BELONG TO ME AS WELL AS MULTIPLE SOCIAL SECURITY NUMBERS ON MY CREDIT REPORT. I HAVE TAKEN ACTION BY OBTAINING THE IDENTITY THEFT REPORT, OBTAINING PROPER DOCUMENTATION AND FORWARDING THEM TO THE CREDIT BUREAS. HOWEVER, THE CREDIT BUREAUS HAVE STATED THAT THEY CAN NOT REMOVE THIS ACCOUNT AND THAT I NEED TO CONTACT XXXX XXXX DIRECTLY. 

THEREFORE, I PROCEEDED IN CONTACTING XXXX XXXX REGARDING ACCOUNT NUMBER ENDING IN XXXX. I STATED THE IDENTITY THEFT CASE AND ATTEMPTED TO PROVIDE THEM WITH DOCUMENTATION TO ASSIST ME IN THE REMOVAL OF THIS FRAUDULENT ACCOUNT WHICH DOES NOT BELONG TO ME. ESSENTIALLY I AM REQUESTING JUSTICE. 

THE XXXX XXXX REPRESENTATIVE STATED THAT THEY HAVE COMPLETED THEIR INVESTIGATION AND THAT I CAN NOT APPEAL OR OPEN THIS CASE. THEY DID NOT ALLOW ME THE OPPORTUNITY TO PROVIDE ADDITIONAL DATA, DOCUMENTATION, OR FORM TO APPEAL OR OPEN THIS CASE. THERE WAS NO FORM OF A FAIR JUSTICE IN PLACE. 

IRONICALLY, I PREVIOUSLY HAD A SECURED CREDIT CARD WITH XXXX XXXX WHICH I CLOSED IN XXXX, THE STATUS ON THAT ACCOUNT READS, " PAID AND CLOSED ''. I CURRENTLY HAVE A NEW SECURED CREDIT CARD OPENED IN XX/XX/XXXX AND A CREDIT CARD OPENED IN XX/XX/XXXX, BOTH ARE IN GOOD STANDING AND REFLECT AS " OPEN/NEVER LATE ''. 

AFTER CONSTANT PERSISTENCE FROM MY BEHALF WITH THE XXXX XXXX REPRESENTATIVE FOR A DETAILED DESCRIPTION WHICH I AM ENTITLED TO, THE REPRESENTATIVE AGAIN REPEATED THAT THERE IS NOTHING THAT CAN BE DONE FROM MY BEHALF BECAUSE THEIR TEAM HAS ALREADY COMPLETED INVESTIGATION. HE THEN MENTIONED THAT THERE ARE LINKED WELCOME KEYS AND PHONES WHICH JUSTIFY THEIR INVESTIGATION. I THEN MENTIONED TO THEM THAT THAT IS NOT SUFFICIENT JUSTIFICATION TO HOLD ME ACCOUNTABLE FOR AN ACCOUNT THAT DOES NOT BELONG TO ME, AS THIS IS AN IDENTITY THEFT CASE. THEREFORE, THEIR REASONING IS NOT SUFFICIENT, ESPECIALLY IN THIS IDENTITY THEFT CASE WHICH INVOLVES WHICH CAN INVOLVE CYBER ATTACKS, HACKS, IP ADRESS HACKING, AND THEFT OF IDENTITY. ALL OF WHICH I AM A VICTIM OF. 

THE REASONING FROM XXXX XXXX IS NOT VALID, IT DOES NOT TAKE INTO ACCOUNT THE CURRENT INFORMATION TECHNOLOGY AGE WHERE THESE IDENTITY THEFT CASES ARE INTERTWINED WITH HACKS OF IP ADDRESSES, HACKING ATTACKS, LOCATIONS, PHONES, AND PERSONAL INFORMATION FROM NAMES TO SOCIAL SECURITY THEFT. ALL OF WHICH I AM A VICTIM OF. 

I NEED FAIR JUSTICE, THIS IS INJUSTICE FOR ME. I DID NOT OPEN THE ACCOUNT ENDING IN XXXX, I AM A VICTIM OF IDENTITY THEFT AND AM NOT RESPONSIBLE FOR THIS ACCOUNT.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

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 U.S.C. 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I told Experian, XXXX, and XXXX to reinvestigate these accounts listed above. However they stated everything was complete, and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 U.S.C 1681i ( 5 ), they are supposed to modify accounts that aren't reported correctly.

15U.S.C 1681s-2 ( A ) ( I ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows it has reasonable cause to believe the information is inaccurate.