Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc. (VA)

AFFIDAVIT OF TRUTH The State Of VIRGINIA ) ) XXXX XXXX Of XXXX XXXX XXXX ) I, Consumer, of XXXX XXXX XXXX, IN VIRGINIA, City of XXXX XXXX, MAKE OATH AND SAY THAT : 1. I have never had an account with these companies.XXXX Account # XXXX, XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX. REMOVE from your credit reporting agency from reporting because these accounts were opened fraudulently. Your credit reporting agency added these accounts to my credit report without following many laws under the FCRA. 

2. consumer means an individual. According to 15 U.S. Code 1681a ( c ) 3. I am the consumer mentioned in 15 U.S. code 1681a ( 3 ). You are XXXX XXXX XXXX the credit reporting agency in 15 U.S. Code1681a ( f ).

4. This credit reporting agency violated my rights under 15 U.S.C. 1681a ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any 5. 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 6. 15 U.S. Code 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 7. This credit reporting agency violated my rights under 15 U.S.C. 1681a ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is 8. 15 U.S. Code 1681a ( 3 ) ( A ) medical information ; 9. 15 U.S. Code 1681a ( 3 ) ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services.

10. This credit reporting agency violated my rights under 15 U.S.C. 1681b - PERMISSABLE PURPOSES OF CONSUMER REPORTS ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

11. Under 15 U.S. Code 1681o CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

12. Under 15 U.S. Code 1681n CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of 13. 15 U.S. Code 1681n ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

14. I have indicated many violations that your credit reporting agency is in pursuant to 15 U.S.

Code 1681 or the Fair Credit Reporting Act. Subsequently, I would like for you to stop reporting the information that I have listed above in my Affidavit of Truth. Remove all false debts from my credit report.

15. Under 15 U.S. Code 1681n I demand {$4000.00} for the violations that I have listed and because not only have you not done your job as a credit reporting agency to report 100 % accurate or correct information on my credit report, but you have caused me a great deal of stress and damage to me. 

16. If I do not receive my remedy for your violations, I will move forward to a federal trial and have all of the proof to support my claim.

Will like your credit reporting agency via postal mail, to mail the check for {$4000.00} to my abode and changes to my credit report that have been made or attempted within 14 days of this notice, the changes should be the removal of items fraudulently placed on my credit report. 

UNDER PENALTIES OF PERJURY, I DECLARE THAT THE FACTS STATED ARE TRUE AND YOU ( XXXX, THE CREDIT REPORTING AGENCY ) WERE NOT PRESENT WHEN THE TRANSACTIONS HAD TAKEN PLACE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX Date of Birth : XX/XX/XXXX Social Security Number ( last XXXX ) XXXX Signature _________________________________ STATE OF VIRGINIA XXXX XXXX XXXX XXXX XXXX AND SWORN TO BEFORE ME, On the XXXX__ day of XXXX, XXXX Signature ________________________________