davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-26
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. (TX)

These Accounts have violated my rights According to FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. 
I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. 
PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING XXXX, XXXX, AND TRANSUNION ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. 
PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. 
YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. 

FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. 
Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.
Consumer complaint received 2018-11-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Account for old car loan that that was paid off has many things on my reports inaccurately. Disputed info over 30 days ago with TransUnion and XXXX.. I want to have this account removed from reports. Have screen sots and copies of all inaccurate negative items.
Consumer complaint received 2024-04-13
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. (MO)

I HAVE CONSISTENTLY CHALLENGED THE INACCURACIES IN THE FOLLOWING INFORMATION WITH XXXX, AND TRANSUNION, AND UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED TO THIS DAY. 

XXXX : Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, MO, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
The following accounts are incorrectly reporting. 
XXXX XXXXXXXX - XXXX - The late marks being reported on this account is incorrect. 
XXXX XXXX  - XXXX - The late marks being reported on this account is incorrect. 
- XXXXXXXX XXXX XXXX - XXXX - The late marks being reported on this account is incorrect. 
XXXX XXXXXXXX - XXXX - The late marks being reported on this account is incorrect. 
XXXX XXXXXXXX - XXXX - Account in violation of the FCRA 15 U.S. Code 1666- CORRECTION OF BILLING ERRORS. The creditor failed to reflect properly on a statement a payment made by me. - The late marks being reported on this account is incorrect. 
XXXX XXXX - XXXX - The late marks being reported on this account is incorrect. 
XXXX XXXXXXXX  - XXXX - Section 609 of the FCRA states that you're required to send me the original paperwork that verifies this account otherwise, this is false information. 
These inquiries were not authorized : XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 

TRANSUNION : Incorrect Name - XXXX, XXXX, XXXX- This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX XXXX XXXX XXXX- This in incorrect. Please remove this immediately and only report accurate information. 
The following account is incorrectly reporting. 
XXXX XXXX XXXX XXXX - Section 609 of the FCRA XXXX that you're required to send me the original paperwork that verifies this account otherwise, this is false information. 
These inquiries were not authorized : XXXX OF XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX OF XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report.
Consumer complaint received 2023-11-26
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. (CA)

IN REGARDS TO SEVERAL ACCOUNTS ( accounts listed below ) I was doing my regularly credit report check and noticed that there were a few strange STUDENT LOAN accounts from DEPT OF EDUCATIONXXXX on my credit file. I never opened any accounts nor done any business with that company, therefore its been fraudulently opened. The accounts show as STUDENT LOANS. I have listed the account numbers below. I request that this account be erased from my credit file and any internal database, as I am not liable for any accounts opened without my knowledge or consent. This couldve been completely avoided had you all followed the necessary precautions given that I have an active security freeze on my credit file due to prior identity theft involving my sensitive information. 

I request that the referenced accounts below account be completely erased from my credit file immediately as it is incorrect information. I have no knowledge of this account whatsoever, and I am not liable for fraudulently opened accounts : XXXX OPENED ON XX/XX/XXXX {$9200.00} BALANCE XXXX OPENED ON XX/XX/XXXX {$5200.00} BALANCE XXXX OPENED ON XX/XX/XXXX {$20000.00} BALANCE
Consumer complaint received 2023-05-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (FL)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Transworld Systems , Inc, for committing identity theft. I have never given Transworld Systems , Inc, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with Transworld Systems , Inc and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/23, I have not received any documentary evidence, such as a trilateral contract, giving Transworld Systems , Inc any right to collect on this alleged debt. 
I have never received any documentation requesting validation from Transworld Systems , Inc, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Transworld Systems , Inc, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Transworld Systems, Inc, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Transworld Systems , Inc, continues its collection efforts, I will file for litigation for actual damages caused and Transworld Systems , Inc, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I filed a XXXX XXXX bankruptcy in XX/XX/2022. This account with XXXX XXXX is included in that bankruptcy. They took it off at that time. Then added it back months later and is now reporting that Im late every month instead of stating its included in bankruptcy like other companies did. I have told them. I have disputed multiple times with the credit u ions and the company tells them the info is accurate. Im not sure what else to do to have them stop reporting. They tried to repossess my car after telling them I was filing bankruptcy.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Ive been trying to dispute this collection XXXX XXXX XXXX / XXXX XXXX  XXXX XXXX, it keep coming back as verified and that is all ( AI ) ( Oscar ) responses. please you check into this. and also delete these unknown inquiries I've listed. I've already reported this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-26
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. (CA)

IN REGARDS TO SEVERAL ACCOUNTS ( listed below ) I was doing my regularly credit report check and noticed that there were a few strange STUDENT LOAN accounts from DEPT OF EDUCATIONXXXX on my credit file. I never opened any accounts nor done any business with that company, therefore its been fraudulently opened. The accounts show as STUDENT LOANS. I have listed the account numbers below. I request that this account be erased from my credit file and any internal database, as I am not liable for any accounts opened without my knowledge or consent. This couldve been completely avoided had you all followed the necessary precautions given that I have an active security freeze on my credit file due to prior identity theft involving my sensitive information. 

I request that this account be completely erased from my credit file immediately as it is incorrect information. I have no knowledge of this account whatsoever, and I am not liable for fraudulently opened accounts XXXX OPENED ON XX/XX/XXXX {$20000.00} BALANCE XXXX OPENED ON XX/XX/XXXX {$20000.00} BALANCE XXXX OPENED ON XX/XX/XXXX {$2200.00} BALANCE
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VEROS CREDIT, LLC. (TX)

Yes thank you for listening. 
They are reporting inaccurate retail Installments. And showing incorrect date of contract XX/XX/XXXX they have XX/XX/XXXX Aggregate unpaid balance as XX/XX/XXXX {$25000.00} Then they had it as repo and sold it for {$9400.00} also have cost of repossession and storage fee of {$830.00} leaving a balance of {$16000.00} but the credit bureaus reporting CREDIT XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan - Bureau Code : Individual Individual Individual Account Status : Open Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$17000.00} {$17000.00} {$17000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$24000.00} {$24000.00} {$23000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$17000.00} {$17000.00} {$17000.00} Payment Status : Unknown Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Merchandise was taken back by credit grantor ; there may be a balance due. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account Involuntary Repossession Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-11-27
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. (IL)

I am writing to dispute inaccurate information on my credit report that is adversely affecting my creditworthiness. According to my recent credit report, there is a late payment entry on my account, which is inaccurate and misrepresents my credit history. 
I have carefully reviewed my credit report and have identified the following inaccurate information : XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am a responsible and diligent consumer, and I have consistently made timely payments on all my accounts. The reported late payment is not only erroneous but also severely impacts my XXXX XXXX. As a result, it hinders my ability to qualify for favorable loan terms and opportunities, which is particularly concerning as I am currently seeking to open a new loan account.
Consumer complaint received 2024-04-13
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)

When I reviewed my credit report, I discovered some information was erroneous. The 3 credit bureaus must validate these ITEMS in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting ITEMS as unverified information without providing any proof within the period allowed by law. The following ITEMS need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX Balance Owed : {$720.00} XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXXXXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$5400.00} XXXX XXXX XXXXXXXX Balance Owed : {$1800.00} XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXXXXXX XXXX Balance Owed : {$830.00XXXX XXXX XXXXXXXX XXXX Balance Owed : {$44.00} XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-16
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (NY)

I NEVER HAD BUSINESS WITH THIS FRAUDULENT COMPANY SHELL POINT LOAN # XXXX THEY SAY I OWE THEM {$910000.00} WHEN I NEVER HAD BUSINESS WITH THEM MAIL LOANSERVIVING@NEWREZ.COM NEWREZ.COM
Consumer complaint received 2024-04-15
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. (OK)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX//2024, and I have not yet received a response.
Consumer complaint received 2023-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$630.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$450.00} XXXX XXXXXXXX Balance : {$630.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2100.00}
Consumer complaint received 2023-11-27
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. (VA)

I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. Accounts that were opened without my knowledge or permission by a person close to me, whose identity I prefer not to disclose, have negatively impacted my credit score. The Federal Trade Commission ( FTC ) has assigned the following report numbers to this identity theft case : XXXX, XXXX, and XXXX. The unauthorized accounts listed below have caused me significant financial distress and I demand your immediate action in investigating and rectifying this matter : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, and XXXX XXXX. Please delete these accounts ASAP.