davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

Equifax is reporting the following incorrect addresses : 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 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 2024-03-01
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. (PA)

This is a legal and lawful notice that the trustees and authorized representatives of XXXX XXXX XXXX  are violating my consumer rights, and right to privacy, by reporting my personal private transaction history without my written consent, as per 15 USC 1681 604  A. 
The violations occurred between XXXX and XX/XX/XXXX. 
They violate the 1974 Privacy Act. Section 5 specifically prohibits the disclosure of personal information without the consent of the individual concerned. 
As per 15 USC 1681 Section 602A, we have a right to privacy.

The Frank-Dodd Act was enacted to protect consumers ' rights in business transactions reported to the agencies, Section 623 54-57, emphasizing consumer signature and consent.

15 US C, & 1681 B ( a ) ( 2 ), persons are only authorized to furnish consumer reports, per written instructions of the consumer.

15 USC 1681 c ( A ) ( 2 ) ( A ) ( i ), transactions in business are between the consumer and the person making the report.

15 USC 1581a financial institution may not report directly, or disclose to a non-affiliated third party any non-public personal information.

Violations of the Fact Act section 623 ( a ) ( 7 ) ; Your institution failed to provide an early warning notice regarding any form of a debt being placed in my private consumer file.

These actions have caused me irreparable harm, ( see invoice and denial of credit letter ), and violated my constitutional right to contract.
Consumer complaint received 2022-11-22
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: Experian Information Solutions Inc. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-22
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. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-02-13
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX 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. 

XXXX XXXX XXXX XXXX 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 2023-01-27
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: Experian Information Solutions Inc. (GA)

XXXX XXXX continue to report inadequate information on my report, The car was a lemon only drove the car for two day and the engine locked up at XXXX XXXX i was having new tires placed on it. I had a warranty and they refuse to repair the car. they wanted me to pay out of pocket for XXXX shop broke down the engine and tell them why the engine transmission locked up. XXXX told me that would cost more than the car is worth to do that. i gave them the car back in may they picked it up from XXXX shop were i had it tow to. The dispute department manager called me and tell that there was nothing they could do and she also Statement if this will make me feel better they have stop using XXXX XXXX. this the place i bought the car from Wow.
Consumer complaint received 2022-11-22
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. (IL)

I'm submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$430.00} ; XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-22
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: Experian Information Solutions Inc. (TX)

I WILL ATTEMPT ONE MORE TIME THRPUGH THIS METHOD, AS YPU CAN SEE THERE IS MULTIPLE COMPLAINTS THAT ARE JUST IGNORE AND CLOSED I am extremely tired and frustrated with Experian as they continue to ignore and lie about investigating my disputes. 

I sent out a dispute which was receive on XX/XX/2022 A FEW MINUTES LATER MY DIPUTES WHERE CLOSED I received a notification stating my disputes are ready, I log in to experian.com and stated that my disputes were unavailable, I got on the phone and called Experian and they told me my accounts were verified as accurate. 

As I learned my rights I came across a few violations. 

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. XXXX original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report 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 XXXXT XXXX I, XXXX XXXX XXXX never gave Experian any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose 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. 
As a consumer, I am demanded deletion of the following accounts : Last but not least, I am requesting that you delete the following accounts asap due to incorrect reporting I will attach screenshots from credit report that I retrieved from the website : I WILL SUMMIRIZE THE TOTAL DUE FROM EXPERIAN DUE TO VIOLATIONS IS OVER XXXX, I AM NOT ASKING FOR UPDATE I AM ASKING FOR DELETION AND AMOUNT DUE UPON RECEPT OR I WILL GO XXXX AND PERSUE LEGAL ACTION I ASKED THAT MY PERSONAL INFORMATION BE UPDATED TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX THIS AGENCY IS IN VIOLATION OF 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

SINCE ALL I GET FROM YOU IS VERIFICATION OF INFORMATION BEING CORRECT THIS IS MY REPORT RETRIEVED FROM YOUR SITE ON XX/XX/2022 I HAVE NOTED THE VIOLATIONS AND AMOUNT OF MONEY DUE TO ME. YOU CONTINUE TO GET ON HERE AN LIE TIME AFTER TIME PAYMENT HISTORY HAS MULTIPLE VIOLATIONS AND I DID THAT FOR YOU TOO
Consumer complaint received 2023-08-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (LA)

On the morning of XX/XX/2023, I had discovered that there were a total of 23 separate unauthorized transactions on my account. I immediately called Chase bank and notified them. They shut down my debit card and informed me that it would be 3-5 business days before I would receive a new one. 5 days later my card came in the mail and they gave me credit for those transactions that were not authorized. I did not know that there would be an ongoing investigation, proving that those transactions were valid. Thinking that everything was fine, on the morning of XX/XX/XXXX, all of those unauthorized transactions were suddenly charged back to my account. Immediately, I called Chase bank to find out what occurred and why were these transactions reintroduced to my account. 

The man on the phone informed me then that my claim had been denied, due to the fact that those transactions were made with a digital wallet. I rarely use my digital wallet to purchase anything. I can prove this because my wallet is in front of me. Those transactions only showed up on my account statement, never on my digital wallet log. The person on the phone suggested that I contact XXXX XXXX, which was a dead end because they are not a bank. 

I went to my local Chase branch and the woman that assisted me gave me the number to Chase Disputes XXXX. I called there and spoke to a woman named XXXX. I informed her about my issue and she offered to submit my case for reassurance, which would take 5-10 business days to process. 10 days had passed and nobody reached out to me. Consequently, I reached out to them to check on the status. A woman there informed me that my reassurance claim had also been denied. Today is XX/XX/XXXX and they have yet to send me any correspondence regarding a claim denial. As a chase customer, I assume a 0 percent liability for fraudulent transactions, therefore this is a breech of contract. Nobody has spoken to me from Chase and nobody ever will. I have almost {$400.00} worth of unauthorized transactions on my account still and they refuse to do anything about it, even though I have been banking with them for almost 22 years.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My credit score decreased by XXXX points because they reported that my account balance increased by {$1.00} from {$1100.00} to {$1100.00}. I have never missed a payment and they take it out of my checking account automatically so there is no way that it could increase by {$1.00}. Even if it did ( which it didn't ) for Transunion to decrease my credit score by XXXX points is incorrect. I have worked very hard to get my credit increased and I keep a check it daily to see if any changes. I do not want this error to ruin my credit.
Consumer complaint received 2023-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The law has been printed and made clear but the credit bureaus are not following them. Are they above the law? Transunion is in clear violation of my rights and not abiding by the following law : 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information Transunion has an ENTIRE section of adverse information reporting on my consumer report that is causing financial harm to me as a consumer and is inhibiting how I navigate through commercial sector of life. I have included the most recent credit report from Transunion so you can see the direct violation of the law stated above. 

I hope the CFPB acts in good faith and governs Transunion accordingly.
Consumer complaint received 2022-12-28
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)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2021-03-13
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-09-07
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: Experian Information Solutions Inc. (AZ)

Experian had refused to removed a fraudulent loan on my account from XXXX XXXX Account has been on credit since XXXX and have disputed with the company and Experian multiple times. Certified letters containing police reports, disputes issued online containing police reports and verified information showing identity theft has been given to Experian yet it still remains. Both the other credit bureaus removed them in XXXX. XXXX XXXX XXXX claims to have documentation showing I signed a loan, there is no signature, ID they have is from a state I dont live in, with incorrect addresses and name.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Someone, who probably has my personal information, applied for credit cards causing so many inquiries on my credit report which are the following : XXXX XXXX on XX/XX/2023, XXXX XXXX on XX/XX/2023, and XXXX on XX/XX/2023.
Consumer complaint received 2023-01-11
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. (NE)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify 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 updated from erroneous reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-02
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. (TX)

i submitted numerous of disputes and called the reporting agencies to resolve issues on my credit report and all i received was refusal to send me to the right departments and even calls hung up in my face
Consumer complaint received 2015-09-09
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (NC)

A promotion for home improvement services regarding deferred interest was promised for 24 months however the credit card company only entered 12 months into its system. Once the credit card company was made aware, I was informed it would take a minimum of 60 days to correct the issue, during which time the monthly payment increased by approximately {$600.00} and there was no guarantee that there would be no interest collected during the 60 day correction period.
Consumer complaint received 2022-11-21
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. (TN)

On XX/XX/22, I notified each of the consumer reporting agencies, the secondary reporting agencies, XXXX card and XXXX that several of my rights as a consumer had been violated. Both of these companies furnished accounts on my credit file without my written permission. I am also a victim of identity theft. It is required under 605 b of the Fair Credit Reporting Act that these accounts be removed and blocked from my credit file within 4 business days. I am demanding that these accounts follow 15 1692 c and cease and desist all conveying of information directly or indirectly to any person through any medium regarding these fraudulent accounts. Also XXXX and XXXX are committing tax fraud by reporting a charge off to my file. They are also reporting information that is not accurate or true.