davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (GA)

Someone got a hold of my personal information in XXXX of XXXX. They applied for several credit cards. I disputed the accounts. I was able to get all of them closed and removed from my credit report by around the end of XXXX. However, a credit card account from COMENITYCAPITALXXXX reappeared on my credit report with a lower charge limit in XXXX of XXXX. I disputed the account again. This dispute resulted in XXXX verifying the account information as accurate. I don't know how that is possible. I did not open this account. 
I called COMENITYCAPITALXXXX in XXXX of XXXX and informed them that I had not opened this account. Supposedly, they closed the account. They also sent paperwork for me to fill out to verify that I did not authorize the account and to have it removed from my report. Admittingly, I did not complete the requested paperwork. To my knowledge, they had closed the account and it was already removed from my report at the time. Again, the account has reappeared. It is currently showing a {$0.00} balance. I would like to have the account permanently closed and removed before any charges are made. 
Page 5 asks if the credit card has the same billing address as my mailing address. I do not believe it does. The company representative stated they have another address on file. I do not know the address.
Consumer complaint received 2019-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX Trans Union XXXX Derogatory marks View all accounts COLLECTIONS XXXX XXXX XXXX Opened XX/XX/2019 {$250.00}
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 Equifax, XXXX 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
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NJ)

I was transferred to MOHELA and everything seemed fine until I tried to make my first payment. I submitted a payment of {$330.00} on XX/XX/2023, which was withdrawn/debited from my checking account on XX/XX/2023. The payment was due on XX/XX/2023, so upon seeing it wasn't posted to my account or credited on XX/XX/2023 I called MOHELA to figure out what happened. After a 3 hour and 7 minute call and 3 separate representatives, no one could tell me what happened with the payment. I was told to upload bank statements for my account demonstrating the amount was debited, and to wait 10 business days for a resolution. As of today XX/XX/2023 no resolution has occurred and my account is marked as delinquent for missing the first payment, despite being charged. I plan to call again tomorrow XX/XX/2023 to follow up on why this hasn't been resolved yet. I'd like assurance this won't happen again as my next payment is due, and their hold times are egregiously long. Thank you for your time and assistance!
Consumer complaint received 2023-05-11
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. (GA)

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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 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 XXXX 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 2023-02-24
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. (NY)

15. USC 1681 Section 602 A. States that I have a right to privacy. 

XXXX -ACC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # - XXXX XXXX  XXXX # - XXXX XXXX XXXX XXXX  XXXX # XXXX US DEPT OF EDUCATION XXXX # XXXX 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 1692 C. Without the prior consent of the consumer given direct to the debt collector or the express permission of a court of competent jurisdiction. a debt collector may not communicate with a consumer in connection with the collection of any debt.

15. USC 1681 N. Civil Liability for willful non-compliance. 
Any person who obtains a consumer report from a consumer reporting agency under false pretense or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00} whichever is greater.
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX NO XXXX FOR THE LAW FIRM XXXX, XXXX XXXX XXXX XXXX AND EQUIFAX CREDIT BUREAU ARE WRONGFULLY DISPLAYING ACCOUNT NO. XXXX ON MY CREDIT REPORT.BOTH THE BUREAU AND THE ATTORNEY VIOLATE THE BLACK LETTER LAW OF THE FAIR CREDIT REPORTING ACT, AN OFFENSE THAT CARRIES STATUTORY DAMAGES FOR EACH OFFENSE OF FALSE INFORMATION VERIFICATION. 
The proof is attached proving RE-AGING of this account.The reported Date of FIRST DELINQUENCY should match the date that the rent was 30 days late ( the rent is the debt that is being collected along with interest and fees ) .The judgement relating to the delinquent rent was filed in XX/XX/2013.The rent itself was late several months prior. 
In no case can the DOFD BE INTERPRETED AS XX/XX/2013, AS EQUIFAX reports. 
THIS VIOLATION CARRIES XXXX DAMAGES PER FALSE VERIFICATION. 
ANY ATTEMPT TO FURTHER COLLECT THIS DEBT WILL BE OFFSET BY CROSS-ACTION IN COURT for credit damage penalties due. 
HOWEVER, THE ACCOUNT SHOULD BE DELETED NOW FOR FALSE, CONTINUOUS VERIFICATIONS OF DOFD SINCE IT'S FIRST APPEARANCE ON THE CREDIT REPORT. 
OFFICERS OF THE COURT HAVE A HIGHER STANDARD OF EXPERTISE REQUIRED REGARDING THEIR LEGAL WORK.IT IS A PROBABLE COURT AWARD OF {$20.00}. OR MORE WHEN THE CREDIT DAMAGE CASE GETS TO COURT ONE WAY OR ANOTHER. 
I WILL SUE EQUIFAX AS WELL ... .SAME STATUTE IF THEY IGNORE THE EVIDENCE OF XXXX XXXX FRAUD, SUBMITTED TODAY.
Consumer complaint received 2023-05-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BANKERS HEALTHCARE GROUP LLC (TX)

I borrowed {$55000.00} from BHG as a debt consolidation. I used the funds to pay off the pool installation, my daughter 's wedding, and several credit cards with high interest rates ( 20+ % ). I have been paying on the loan since XXXX of 2020. I do not get regular notices. There is a monthly draft for almost {$1000.00}. The interest rate is about 12 %. I reached out to BHG to see what my balance was. I was told {$54000.00}. That was only a drop of a few XXXX dollar after sending them over {$27000.00} in payments. That's when I found out that they had added an additional {$8500.00} in " fees '' and " insurance '' that I had not been told about. I will be paying them for much longer than I expected. They said " You can refinance after 4 years. '' Why would I finance anything with a company that adds such high fees without telling me?
Consumer complaint received 2023-07-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$420.00}
Consumer complaint received 2023-07-01
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$41000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXXXXXX XXXX Balance : {$460.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$150.00} ; DEPT OF ED/XXXX XXXX Balance : {$0.00} ; DEPT OF ED/XXXX XXXX Balance : {$0.00} ; DEPT OF ED/XXXX XXXXXXXX XXXX : {$0.00} ; DEPT OF ED/XXXX  XXXX Balance : {$0.00} ; DEPT OF ED/XXXX XXXXXXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-07-01
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. (FL)

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 : //www.ftc.gov 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
Consumer complaint received 2020-01-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2019 I purchased a chicken coop online through an ad on XXXX. The charge was for {$77.00}. I received an email from the merchant to show the purchase went through. The merchant name was different than the website I used. The next day I got an email with a tracking number that didn't work. It took me to a web page that didn't work. On XX/XX/XXXX the charge on my card had a different vendor name. I called Bank of America to report a fraudulent charge. The woman told me the company she looked up sold makeup. I verified no make up was purchased. They gave me my money back but the this month XXXX they said they had proof the merchant sent me a product. The money was taken back out of my account. 

I got a small envelope from XXXX with a cookie cutter. That was not a chicken coop. Shipping would cost a certain amount from XXXX. I'm not sure what kind of proof was provided by the merchant but it was no doubt a well planned scam.
Consumer complaint received 2020-01-13
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)

I'm demanding that these unauthorized accounts be removed and blocked immediately from my credit file. These accounts obviously was opened without my permission and at the time my wallet was stolen and identity compromised. If you or your companies can not provide me with physical documentation then these accounts shall be removed immediately. 

1 ) XXXX  {$410.00} 2 ) US Dept of Education {$3600.00} 3 ) US Dept of Education {$1800.00} 4 ) US Dept of Education {$1800.00} 5 ) US Dept of Education {$480.00} 6 ) US Dept of Education {$1000.00} 7 ) US Dept of Education  {$290.00}
Consumer complaint received 2023-12-08
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

In XX/XX/2023, I shopped at XXXX and signed up for a store card offered by XXXX. In paying for the merchandise via my bank, XXXX, the payment was XXXX day late due to XXXX error. I called at least XXXX  times to resolve the issue with late fees and was transferred from person to person, spending hours of personal time trying to resolve the issue, including documentation from XXXX. From a {$15.00} late fee from XXXX they refused to credit, they continue to add fees and interest and extra charges. They leave me messages to resolve but when I call, they keep asking me for higher and higher payment amounts. The merchandise I purchased has been paid for and I do not want to do business with Comenity. I would like this issue resolved. I have many years of excellent credit and make every effort to pay all bills on time. Thank you for your help!
Consumer complaint received 2020-01-13
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. (MO)

I'm demanding that these unauthorized accounts be removed and blocked immediately from my credit file. These accounts obviously was opened without my permission and at the time my wallet was stolen and identity compromised. If you or your companies can not provide me with physical documentation then these accounts shall be removed immediately. 

1 ) XXXX {$410.00} 2 ) US Dept of Education {$3600.00} 3 ) US Dept of Education {$1800.00} 4 ) US Dept of Education {$1800.00} 5 ) US Dept of Education {$480.00} 6 ) US Dept of Education {$1000.00} 7 ) US Dept of Education {$290.00}
Consumer complaint received 2023-07-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This letter serves as a formal complaint that you are repo inaccurate and incomplete information on my credit report. notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 
XXXX XXXX XXXX : XXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. ; is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to pro that proof, or if lacking proof of these payments being late. please update my_payment history PAANL status Stop trying to get late payments consumer protection laws
Consumer complaint received 2023-05-23
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
The following accounts are not mine, Transuinion is reporting 2 different social security numbers, been trying for a year calling them and they do nothing. 
XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX {$6700.00} XXXX XXXXXXXX XXXX XXXX XXXX {$2100.00} XXXX XXXXXXXX XXXX {$630.00} XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$79.00} 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 {$300000.00} XX/XX/2019 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-13
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. (MO)

My identity has been compromised and I'm asking for a full investigation into these unauthorized and unknown accounts that's reporting on my credit file. 

1 ) XXXX XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX  XXXX XXXX 3 ) XXXX XXXX  {$300.00} 4 ) XXXX XXXX XXXX {$160.00} 5 ) XXXX  XXXX XXXX {$400.00}
Consumer complaint received 2022-10-03
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have been having issues with my credit report, somebody put 2 credit cards in my NAME THAT I NEVER AUTHORIZED signed for EVER! One named XXXX XXXX, the other being XXXX XXXX XXXX XXXX. I have disputed this information with the bureaus and with the company, I am a male, a female has done this without my authorization, there should only be medical bills and student loans on my credit report, I have no credit nothing in my name at all. You should all investigate what IP address was used as well as signatures used because I NEVER signed for anything. I would like to get this resolved, its reflecting on all my bureaus and hindering me, I want this to be thoroughly investigated and removed and or associated with my name immediately. I also want them deleted from each bureau and I would like an updated copy reflecting that.