davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc. (GA)

On XX/XX/21 I started a free trial with XXXX The free trial was for XXXX weeks. I had problems logging into my account to get XXXX XXXX to work. It would not. I called XXXX on XX/XX/21 for help. The phone number ( XXXX XXXX XXXX ). We went through several steps and finally got it to work. I attempted to setup a second device, that would not work. After several attempts I stopped. I made several calls to XXXX from XX/XX/21 to XX/XX/21. During that XXXXime span XXXX XXXX stopped on the first device. When an agent answered he wanted to sell some other products. My answer to him was all I wanted was to make the device work.He kept trying to sell other products. After much frustration, I told him to cancel the subscription. He did on the evening of XX/XX/21. The trial was to end on XX/XX/21. 
My credit card was bill for {$54.00} for XXXX and XXXX. The service had been cancelled before the trial period ended. XXXX never sent any confirmation of cancellation or any e-mails. XXXX finally sent an e-mail on XX/XX/21 to complete your XXXX XXXX XXXX  purchase. There was nothing for me to complete since the service was terminated XX/XX/21.
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (DE)

XXXX XXXX and Experian have not removed a reported Maryland state tax lien from my credit report. The lien itself does not contain my full social security number or date of birth, therefore, they can not report it on my file.
Consumer complaint received 2022-09-14
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. (FL)

When I reviewed my credit report, I discovered that some of the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-07
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. (FL)

When I reviewed my credit report, I discovered that these items were 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 for erroneous reporting in my file are listed on my credit report : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-21
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. (FL)

I am lodging a formal complaint today to report that I have fallen victim to fraudulent activity. Upon conducting thorough research on the appropriate steps to rectify the fraudulent entries in my credit report, I discovered the necessity to file an identity theft report with the FEDERAL TRADE COMMISSION at https : //www.ftc.gov. As per FCRA section 605b, Credit Reporting Agencies are mandated to expunge any items listed on an identity theft report. Enclosed herewith are the relevant documents to facilitate the removal of the erroneous information and fraudulent items that have been inaccurately posted on my report..XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the fair credit reporting act.the list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under use 1681XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
15 u.s.c 1681 section 602 A states I have the rights to privacy. 
15 u.s.c 1681 section 604 A section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 u.s.c 168lc. ( a ) ( 5 ) section states : no consumers reporting agency may make any consumers report containing any of the following items on information any other adverse item of information, other than record of convictions of crimes which antedates the report by more than seven years. 
15u.s.c.168ls-2 ( a ) ( C1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2019-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc. (GA)

I recently filed a report with XXXX, XXXX, and XXXX  of inaccurate items being reported on my credit reports. XXXX  and XXXX  removed the above mentioned item once an FTC Report and documents to verify my identity were sent. XXXX  did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2024-05-10
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. (CA)

MY CREDIT PROFILE IS INNACCURATE WHICH IS NOT FAIR TO ME. PLEASE INVESTIGATE THIS AND FIX IT. IM REALLY SICK AND TIRED OF THESE XXXX. SHOULD THERE BE ANY UPDATE ON MY INQUIRIES, IM GON NA GO TO COURT
Consumer complaint received 2022-12-16
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)

XXXX XXXX Account number XXXX Its a violation to report information without my consent I have never provided any written consent to report this item on my credit report according to 15 USC 1681b this is a violation of my rights. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, requires that this notice be provided to inform users of consumer reports of their legal rights Pleased removed ASAP and send me a copy of my credit report Sincerely, 15 USC 1681b Permissible Purpose Its a violation to report information without my consent I have never provided any written consent to report this item on my credit report according to 15 USC 1681b this is a violation of my rights. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, requires that this notice be provided to inform users of consumer reports of their legal please remove from credit asap
Consumer complaint received 2019-12-06
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)

XXXX  XXXX XXXX has been reporting on my TRANSUNION credit report since XX/XX/2018. I have never done any business with this company. I dont know who this company is. I need this inquiry completely deleted from my credit report immediately please.
Consumer complaint received 2019-02-01
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: D. SCOTT CARRUTHERS (CA)

I want to make a complaint about D.Scott Caruthers collection representative I really don't know how much I owe at first it was {$4000.00} I started paying it went down to {$1.00} something, when my mom got a call threatened her if I didn't call back I was going to get arrested.. I wanted to check the recording but of course they didn't let me.. I called and they said it was now XXXX Now I never had a bill mailed only a verification of payment
Consumer complaint received 2018-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (TX)

I have previously attempted to resolve this with Discover with no luck ... This account was opened as a result of identity theft and not mine. Police reports have been provided as well as fraud affidavit form. XXXX XXXX XXXX : Account # XXXX ... Total balance of {$11000.00}
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Early Warning Services, LLC (TX)

Hello, on XX/XX/XXXX, I opened a bank account with XXXXXXXX XXXX. They had a XXXX Zelle Registration policy, so by XX/XX/XXXX, I registered with Zelle and used Zelle to transfer between parents and lawn man. It is usually used when parents need money the majority of the time as it is quicker and doesnt have to be home to go and withdraw as I travel for work constantly. So, being able to send them when out at work is convenient. I have been using XXXX XXXX without any issues with this service but when XXXX XXXX had a cashback card, and better savings went with them. But on Late XX/XX/XXXX, Dad tried to send me money and had issues receiving the money. Ive tried contacting both Zelle and XXXX XXXX and unlinking Zelle from XXXX XXXX and still the same issue. The issue is that XXXXXXXX XXXX has flagged other accounts on those that have opened up Zelle after XX/XX/XXXX, because of a new user agreement, even though the one that was agreed upon was different and attached. I havent done anything different than on my XXXX XXXX account. The freeze on my phone and email have yet to be released even though I am confirmed that it is removed from XXXX XXXX  and be able to be added to my previous bank account. XXXX XXXX  says that should not be any issue that I have caused and all within the agreement, and Zelle wont say much about why. I tried asking XXXX XXXX, and they say they dont see what and that it is blocked. I am currently talking to XXXX XXXX  to cancel the account and have been trying to get Zelle back to XXXX XXXX as they dont seem to cause issues when using the account, but because of XXXX XXXX has not provided the reason why I can search and see but I don't see why when nothing has changed except bank accounts. Not sure if having dad and me having the same name is causing issues as well but should not as we go by a bit differently to avoid situations. I have attached screenshots of the chat from XXXXXXXX XXXX After researching found that Zelle is Early Warning Services , LLC, so hope they do provide the necessary response and solution to this issue and stay within the agreement.
Consumer complaint received 2024-05-09
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. (TX)

MY CREDIT PROFILE IS INACCURATE WHICH IS NOT FAIR TO ME. PLEASE INVESTIGATE THIS AND FIX IT ... IM REALLY SICK AND TIRED OFTHESE XXXX. SHOULD THERE BE ANY UPDATE ON MY INQUIRIES, IM GON NA GO TO COURT.
Consumer complaint received 2024-05-09
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. (TX)

MY CREDIT PROFILE IS INACCURATE WHICH IS NOT FAIR TO ME. PLEASE INVESTIGATE THIS AND FIX IT ... IM REALLY SICK AND TIRED OFTHESE XXXX. SHOULD THERE BE ANY UPDATE ON MY INQUIRIES, IM GON NA GO TO COURT.
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (VA)

In XXXX, 2023, I received a bill from Chase for my Marriott XXXX credit card. That bill had a statement balance of {$22000.00} with a due date of XX/XX/2023. I paid the balance, in full, on XX/XX/2023. I just received my XXXX statement and am being charged interest of {$310.00}, even though I paid my prior month balance IN FULL by the due date. I called and spoke with a customer service representative and a supervisor and they will not remove this charge. 

It has always been my understanding with any credit card that if you pay the balance in full, by the due date, that you should not be charged interest on your next monthly statement. I do not understand why Chase is not only charging me interest, but charging me a LOT of interest, when I paid my prior month balance in full, by the due date!
Consumer complaint received 2020-03-02
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: Colony Brands, Inc. (TX)

On XX/XX/2020, Ginnys and XXXX XXXX XXXX added derogatory information to my credit report that is due to Identity Theft. I notified both companies and was told they would mail an FTC identity Theft packet. I waited for the packet 2 months or more so I contacted FTC. I completed the packet online and forwarded it to both companies and credit bureaus. Although continued to get calls from the companies, customer service stated takes a while and I would receive letter. Assuming they followed the guidelines for fraudulent accounts, I did not think there would be an issue. Due to FrUd Alerts andmy credit report frozen, it would prevent any other issue. In reviewing, XXXX  Alert, I am not the only customer with the issue. It appears there has been more identity theft issue with all the Colony Brands companies. Since I am a Senior Citizen these companies felt I would be more susceptible to their collection tactics with one damaging my credit. Now I find out that they've sold my credit information n.v action to other companies along being one of the victims of several Data Breaches.Recent Fraudulent Activity Recently many businesses, in a variety of consumer related industries ( credit cards, mortgage lending, health care, etc. ), have seen increases in attempted identity theft. While our existing security procedures prevented the overwhelming majority of the fraud attempts from being successful, we dont catch them all. As a company, we take this very seriously and are constantly vigilant in taking steps to counter these attempts. In addition, all of our retail companies are working diligently to investigate and resolve all consumer complaints related to this issue. 

If you have received an item from one of the following - XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX, Ginny 's, The Swiss ColonyXXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX  XXXX - that you did not order, or you received a notice indicating advance payment is required for an item you did not order to be shipped, you may be a victim of this fraud
Consumer complaint received 2019-12-06
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. (GA)

I have a fraudulent BANKRUPTCY COURT account open on my credit reports. Also I was in a park some years ago and someone stole my bag with my personal and sensitive information in it. And since then I have a lot of hard inquiries that have been appearing on my credit report that I did not authorize as well. 
Record Type : Chapter XXXX bankruptcy Date Opened : XX/XX/XXXX Reference Number : XXXX Experian : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Credit/ XXXX  XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX : XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Finance XXXX  XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX from XX/XX/XXXX + Utilities & Fuel XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX  XXXX I  Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX  Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Sporting Goods XXXX XXXX Inquiry from XX/XX/XXXX + Sporting Goods XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX  Inquiry from XX/XX/XXXX + Bank XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  : XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX  Inquiry from XX/XX/XXXX + Motorcycles & Bicycle Sales/Svc XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2019-12-06
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. (GA)

I have a fraudulent BANKRUPTCY COURT account open on my credit reports. Also I was in a park some years ago and someone stole my bag with my personal and sensitive information in it. And since then I have a lot of hard inquiries that have been appearing on my credit report that I did not authorize as well. 
Record Type : Chapter XXXX bankruptcy Date Opened : XX/XX/XXXX Reference Number : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX Credit/ XXXX XXXX EQUIFAX MORTGAGE SERVICE Inquired on XX/XX/XXXX XXXX   XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  : XXXX XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX XXXX  Inquiry from XX/XX/XXXX + Finance Equifax Mtg Inquiry from XX/XX/XXXX + Misc. 
XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX  XXXX XXXX   Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX  Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX + XXXX. 
XXXX XXXX  XXXX from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX  Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX EQUIFAX : XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Auto Financing XXXX  Inquiry from XX/XX/XXXX + Motorcycles & Bicycle Sales/Svc XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks Equifax Mortgage Sol Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2022-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I contact transunion about a account called XXXX XXXX XXXX on XXXX and sent in documents to open a fraud dispute, i will attach the ftc report. The claim was XXXX for completion and the date was pushed back saying the claim will be completed on XXXX, now it is XXXX monday of XXXX and there telling me the completion date is the XXXX of XXXX. Something is wrong and this is totally against the procedure. If this doesnt get resolved or removed from my report im going to sue. I have all the screenshots and documents including the certified mail receipt