davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (IL)

I purchased an FHA loan through Caliber Home Loans which comes with Mortgage Insurance ( PMI ). With PMI I know you are able to get rid of it after you pay down a certain amount. Typically when 20 % of the original principal is paid off or when 80 % principal remains. I called XXXX to find out how I can remove my PMI and they repeatedly told me that the PMI can not be removed and is for the life of the loan. I spoke first with XXXX who stated that they call it MIP but it is the same thing. I was then transferred to his supervisor XXXX ( employee # XXXX ) who stated the same thing. My PMI can not be removed and is for the life of the loan. I asked her to send me a document from their company stating that the PMI can not be removed and she would not, informing me that nobody in the company can email or mail documents to a client. She then asked her area vice president XXXX and he apparently confirmed that again, XXXX will not remove PMI regardless of how much of the loan is paid off and that it will remain for the life of the loan.
Consumer complaint received 2024-09-20
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. (NY)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2024-10-09
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XXXX XXXX XXXX XXXX XXXX  During the pandemic I wasn't able to get home due to the freight demand across the country. I used my cellphone to set up autopay on my Kohls credit card. I noticed after some weeks went by that the payment never came out of my bank account so I would make the payment and check my autopay and it wouldn't be scheduled I'm my account. This happened several times. Due to the Kohls website not storing my autopay preferences Kohls put late payments on my credit report. Once I was able to get home and to a computer I set my autopay again and it worked finally. But it was too late since the initial attempts from my phone didn't work. I wrote Kohls and asked them for a goodwill gesture in removing the late payments. I never even received a reply from Kohls. I feel this is unfair since their system doesn't work from my cellphone and they don't notify you that it doesn't work. Here I am driving all around the country during a pandemic trying to get supplies distributed and Kohls is dinging me for some petty payments that they received right away and wouldn't have been late if not for their system not working.
Consumer complaint received 2022-11-05
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: REGIONS FINANCIAL CORPORATION (LA)

I Have Identified information on my reports as a result of identity theft.Items are not the results of any consumer transactions made by me. Here are some of the companies attempting to collect monies unlawfully : XXXX, REGIONS BANK CREADIT CARD, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REGIONS BANK, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the named ( soe ) COMPANIES are a pairing the efficiency of the banking company.The continued reporting informtion is improper utilization of my information.
Consumer complaint received 2024-03-23
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. ()

This is my first endeavors 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 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2600.00} XXXX  XXXX Balance : {$1500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-26
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: EQUIFAX, INC. (MO)

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. 

Account name- XXXX XXXX XXXX  DateXXXX, Account name : XXXX XXXX XXXX Date:XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Account name : XXXX  Dept of Social Services Date : XX/XX/XXXX XXXX Account name : State of XXXX/Office Child Support Date : XX/XX/XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX & XXXX Date : XX/XX/XXXX, Account name : XXXX XXXX XXXX XXXX XX/XX/XXXX, Account name : XXXX & XXXX XXXX XXXX XX/XX/XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX Date XXXX XX/XX/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 Consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency 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 crimes 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 2023-05-30
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: EQUIFAX, INC. (CA)

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. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes 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 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

It has come to my attention that I have been making payments in error pursuant to 12 CFR 1026.13. Since the inception of the account which is defined under 12 CFR 1002.2 defined as extension of credit and the word account refers only to open-end credit. Open-end credit is defined via XXXX in XXXX ( 12 CFR 1026.2. 

You have been requiring Federal Reserve notes as payment, when in fact the application with financial information ( social security number ) attached served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6. 

This is considered an unauthorized use since I have received NO BENEFIT. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). 

Furthermore I have noticed that you have been redeeming the remittance coupons/ instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). Capital One has violated my federally protected consumer rights.
Consumer complaint received 2024-03-23
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)

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I Have Identified information on my reports as a result of identity theft.Items are not the results of any consumer transactions made by me. Here are some of the companies attempting to collect monies unlawfully : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the named ( soe ) COMPANIES are a pairing the efficiency of the banking company.The continued reporting informtion is improper utilization of my information.
Consumer complaint received 2017-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (FL)

Account Name : Credit Protection Association Account XXXX This account is not mine as my social security number was given by another person, Identity theft, and no valid and consistent explanations of fraudulent debt This account was disputed directly with Credit Protection and they continue to fail to provide adequate proof of this account. This account is disputed as : -This Creditor, Credit Protection Association , has been verified through Florida Office of Financial Regulation , as NOT having an Active License in the State of Florida . - this account belongs to my Ex-husband and I was never notified or have permission for him to transfer his account to my Social security number. -I was never notified of this debt, even with my address change & forwarding set up & documented with USPS . -No Signed Contract & account was " Transferred to my social '', without my knowledge & permission, and not created by my with approval. -Multiple changes in explaining the charges of this disputed account. -When asked, the Credit Protection rep confirmed that His Social Security number used to create the account was not valid, thus leaving my social security number, fraudulently added, on account. -When asked for Proof, I was sent print screens images of the Amount due, not a detailed list of charges they are billing for. I was told XXXX different excuses on why the account was originally reported as {$370.00} but now reports as {$630.00}. -My name is reflected wrong on this account. This is the only account that reflects my name wrong, XXXX XXXX ( Identification number XXXX ). I never have used or authorized this name to reflect as such. All Aliases are reflected on my credit report. This disputed & fraudulent account is the only account reporting a wrong name. Lastly, I am demanding this account be removed as I have provide adequate reasons to why this debt is fraudulent & not mine. In the event that no record exists, please delete this damaging account information. <P/>Account Name : Credit Protection Association Account XXXX Your report number : XXXX
Consumer complaint received 2024-03-23
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. (NV)

This is my second endeavors 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

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 2023-05-29
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: EQUIFAX, INC. (TX)

This is a follow up to my previous complaint with COMPLAINT ID # XXXX originally filed on XX/XX/XXXX. I received a second response from EQUIFAX on XX/XX/XXXX. Unfortunately, out of the 9 accounts I submitted complaints about, because of the gross inaccuracies and discrepancies in them, EQUIFAX complied with my request to " DELETE '' only on five of them. The failure of EQUIFAX to accurately report these items on my credit report as of the time I filed my initial complaint on XX/XX/XXXX violated my FRCA right and prompted my initial complaint against them regardless of any correction or update on their part later. I hereby demand that EQUIFAX without further delay " DELETE '' the remaining 4 accounts and take full accountability for their negligence and blatant failure to accurately report my accounts. 


XXXX XXXX XXXX ( Account # XXXX ) XXXX Account Type Detail : Credit Card Account Status : Closed Date opened : XX/XX/XXXX High Credit : {$17000.00} Credit limit : {$16000.00} Last date of payment : XX/XX/XXXX EQUIFAX Account Type Detail : Credit Card Account Status : Paid Date opened : XX/XX/XXXX High Credit : {$0.00} Credit limit : {$16000.00} Last date of payment : XX/XX/XXXX XXXX Account Type Detail : - Account Status : Paid Date opened : XX/XX/XXXX High Credit : {$15000.00} Credit limit : {$0.00} Last date of payment : XX/XX/XXXX XXXX XXXX  ( Account # XXXX ) XXXX  Date opened : XX/XX/XXXX Credit Limit : {$6600.00} High Credit : {$7700.00} Last date of payment : XX/XX/XXXX EQUIFAX Date opened : XX/XX/XXXX Credit Limit : {$6600.00} High Credit : {$0.00} Last date of payment : XX/XX/XXXX XXXX  Date opened : XX/XX/XXXX Credit Limit : {$0.00} High Credit : {$7600.00} Last date of payment : XX/XX/XXXX XXXX  XXXX XXXX XXXX Account # : XXXX Account Type Detail : Credit card Account Status : Paid Date opened : XX/XX/XXXX High Credit : {$2700.00} Payment Status : Current Last date of payment : XX/XX/XXXX EQUIFAX Account # : XXXX Account Type Detail : Credit card Account Status : Paid Date opened : XX/XX/XXXX High Credit : {$2700.00} Payment Status : Late 30 days Last date of payment : XX/XX/XXXX XXXX  Account # : XXXX Account Type Detail : - Account Status : open Date opened : XX/XX/XXXX High Credit : {$0.00} Payment Status : Current Last date of payment : - UNIVERSAL PAYMENT CORP EQUIFAX Account Type Detail : Unsecured loan Monthly Payment : {$0.00} No. of Month ( Terms ) : 3 Payment Status : Collection/chargeoff Last date of payment : XX/XX/XXXX XXXX  Account Type Detail : Collection Monthly Payment : {$220.00} No. of Month ( Terms ) : XXXX Payment Status : Late 120 Days Last date of payment : XX/XX/XXXX
Consumer complaint received 2023-03-18
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: Bread Financial Holdings, Inc. (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-03-23
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. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-04-16
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. (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.