davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-02
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. (OK)

I have multiple missed student loan payments on my credit report from previous years back that I was not aware of. I never received any information about paying my students loans. The history even shows scattered months on on time payments and then months where the account was past due for 30-90+ days. Im not sure when I started being held accountable for these payments. Once it was brought to my attention for the first time I immediately contacted the company for deferment due to me not being able to afford these payments at the time.
Consumer complaint received 2021-07-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I am enrolled in the Public Student Loan Forgiveness program ( PSLF ). In XX/XX/2021, I submitted a paper ECF because my employer was not listed in the PSLF tool. It is a state agency. On XX/XX/2021, I sent in another ECF using the PSLF tool because my employer was now listed in the tool. The months of XXXX and XX/XX/2021 were certified within a week ( with the same employer! ). The months of XXXX and XX/XX/2021 are not certified because they were sent via paper application. I have 118 payments qualified for forgiveness and 123 in total. The delay in the XXXX and XX/XX/2021 certifications are causing a delay in my forgiveness. 

During the time it has taken for Fedloan and FSA to review my certifications, I have reached two additional payments eligible for certification. I am frustrated and concerned about a delay in my forgiveness due to a bureaucratic and illogical delay in my certification. My concern is increased with the forbearance due to Covid-19 being up in XXXX and with the news that PHEAA will end its service contract in XX/XX/2021. 

Please provide assistance in expediting my matter. I already have a FSA complaint and they have not assisted me in a timely fashion. Thank you.
Consumer complaint received 2021-02-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I have submitted 3 disputes online through Equifax regarding and unauthorized hard inquiry on my credit from the department store XXXX XXXX. I have a letter from the actual store saying they made a mistake and they will remove this from my credit and yet Equifax does not reach out via email or phone to follow-up and ask for supporting documents and they close my dispute saying everything looks correct. I have been calling Equifax to dispute this over the phone and every time I do, they always say there system is down to call back in 30 mins to an hour! I tried sending a fax with this prove that this hard inquiry should be removed from my credit report and they do not do anything about it! I tried reaching to XXXX XXXX and they say it could take up to 30 days but it never gets removed and this was a hard inquiry made in XX/XX/XXXX! XXXX XXXX letter is dated XX/XX/XXXX and we are now in XX/XX/XXXX and this is still showing on Equifax credit report!
Consumer complaint received 2022-12-14
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: EQUIFAX, INC. (IL)

Im resubmitting 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 FCRXXXX XXXX XXXX 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 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 ; 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 2017-12-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

Hi, I received a notice from Midland Funding LLC in regards to a debt that I have no prior knowledge of for the amount of {$570.00}. I believe this is a mistake and I have notified Midland through an online dispute and would like to get this removed immediately off my credit report.
Consumer complaint received 2021-02-26
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 (CA)

I HAVE BEEN A BANK OF AMERICA CUSTOMER FOR OVER 30 YEARS. NOW I AM OVER XXXX, ABOUT 10 DAYS AGO I FELL DOWN AND SUFFERED A XXXX XXXX ON MY XXXX XXXX. SO NOW I ONLY CAN USE MY RIGHT HAND TO TYPE IN UPPER CASE. SORRY FOR THE INCONVENIENCE. 

ON XX/XX/XXXX, BANK OF AMERICA NOTIFIED ME THAT " XXXX XXXX XXXX XXXX  '' CHARGED ME {$100.00}. 

ON XX/XX/XXXX I FOUND OUT AND DISPUTED THE {$100.00} CHARGE. BANK OF AMERICA REFUNDED ME {$100.00} ON XX/XX/XXXX. I STOPPED USING THE CARD IMMEDIATELY. IN MIDDLE OF XXXX I STARTED TO USE BANK OF AMERICA CARD AFTER THE BANK SENT ME A NEW REPLACEMENT CARD. 

ON XXXX XXXX, XXXX BANK OF AMERICA CHARGED ME {$100.00}, REASON : FRAUD DISPUTE. 
I WENT TO THE BANK AND TALKED WITH THE VISA DEPARTMENT ASKING FOR THE MISSING EVIDENCE FOR THE EVIDENCE OF PURCHASING AND WAITED FOR FURTHER RESPONSE FROM THE BANK. 

ON XXXX XXXX AND XXXX XXXX, XXXX BANK OF AMERICA CLAIMED UNABLE TO APPROVE MY FRAUD CLAIM, BUT ALSO REFUSED TO GIVE ME ANY EVIDENCE OF PROOF OF PURCHASING OR SERVICE. BANK OF AMERICA THREATENED ME TO RUIN MY CREDIT BY NOTIFYING ALL CREDIT COMPANIES FOR MY REQUESTING PROOF OF EVIDENCE OF PURCHASE OR SERVICE. 
PLEASE SEE ATTACHMENT OF THE LETTER FROM BANK OF AMERICA.

I REQUEST THE BUREAU TO HELP ME GET THE PURCHASING EVIDENCE, 1. WHAT DID I BUY?

2. WHEN AND WHERE WAS THE MERCHANDISE SENT?

3. WITHOUT THE PROOF OR EVIDENCE OF PURCHASE I REFUSE TO PAY.

4. ALSO PLEASE GIVE A FAIR JUDGEMENT : WHAT DID I DO WRONG ASKING BANK OF AMERICA TO PROVIDE ME PROOF OF PURCHASE AND CAUSING THE BANK TO UNLEASH SUCH UNFAIR TREATMENT AND TO THREATEN ME LIKE THIS.

5. WHAT PUNISHMENT THE VISA DEPARTMENT SHOULD GET FOR GIVING SUCH A HORRIBLE TREATMENT TO A LONG TERM CUSTOMER?

6.PLEASE ALSO INSTRUCT BANK OF AMERICA TO WITHDRAW AND CANCEL SENDING ANY SUCH WRONG INFORMATION ABOUT ME TO ALL CREDIT COMPANIES IMMEDIATELY.

THANK YOU!
Consumer complaint received 2018-02-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (LA)

On XX/XX/XXXX I mailed a letter of VALIDATION to Commonwealth Finance for 6 different accounts via certified mail. I haven't had any knowledge of these debts or any contract with this company so I requested VALIDATION. This company received my letters on XX/XX/XXXX. I received a response from them on XX/XX/XXXX. The response did NOT include ANYTHING that VALIDATES the debts are mine. This company did NOT provide ANY documents with signature for VALIDATION as requested.
Consumer complaint received 2017-02-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (TX)

I HAD WAS ATTENDING XXXX IN 2002 AND WITHDREW FROM SCHOOL DUE TO COMPLICATIONS OF MY XXXX. I RECEIVED A LETTER FROM NAVIENT STATING MY LOAN WAS IN DEFAULT AND IT WAS SOLD TO XXXX. MY PREVIOUS SERVICER WAS NAVIENT. SO I CREATED AN ACCOUNT ON XXXX AND IT HAD THE SCHOOL NAME OF XXXX LOCATED AT XXXX XXXX XXXX # XXXX, XXXX TEXAS XXXX WITH NUMBER LISTED AS XXXX. I NEVER ATTENDED SUCH SCHOOL, I ATTENDED XXXX. WHICH XXXX CLOSED DOWN AND TEXAS GURANTEED STUDENT LOAN CORPORATION SAID XXXX SOLD ITS LOANS TO THEM OR SOMETHING TO THAT ASPECT. I ASKED FOR A PROMISSORY NOTE FOR XXXX XXXX, BECAUSE I DID NOT ATTEND THAT SCHOOL. SO THEY HAVE ME PAYING MONEY TO A SCHOOL THAT I DID NOT ATTEND AND NEITHER SCHOOL IS OPEN IN XXXX TEXAS. WHAT ARE MY RIGHTS AND HOW CAN I GET THIS OFF OF ME. I WAS NOT NOTIFIED THAT THEY SOLD THE LOAN, AND I READ THAT THE SCHOOL XXXX CLOSED DOWN ONLINE. CAN THIS BE DISPUTED AND I NEED TO KNOW WHAT ARE MY RIGHTS. BUT, I DID NOT ATTEND XXXX.
Consumer complaint received 2022-08-06
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. (VA)

I have sent several certified dispute letters to Equifax regarding several hard inquires list on my credit report. Within a matter of days, Equifax sends an auto generated letter stating the information is factual without properly doing an investigation and verifying the information with all lenders that appear on my credit report. The XXXX inquires listed on my credit report are from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In or around the month of XX/XX/XXXX, I submitted a CFPB complaint regarding the failed investigation and verification provided by Equifax. Simply stating something is factual without investigating is in violation of the FCRA. I demand Equifax do a proper investigation and verify with each lender as these companies listed did not have my authorization to pull my credit report.
Consumer complaint received 2017-12-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (MI)

All DEBTS PRIOR TO XXXX/XXXX/XXXX HAS BEEN DISCHARGED THRU MY CHAPTER XXXX BANKRUPCTY A CREDITOR NAMED ( XXXX XXXX XXXX XXXX ) IS REPORTING A COLLECTION WITH TOTAL OF XXXX WHICH SHOULD NOT HAVE BEEN ALLOWED TO APPEAR. THIS HAS BEEN PLACED ON CREDIT REPORT ILLEGALLY AS OF XXXX/XXXX/XXXX
Consumer complaint received 2022-04-01
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. (GA)

Recently XXXX XXXX XXXX XXXX, unauthorized, pull a credit pull on my account. They used Trans Union and XXXX, XXXX. The information that was sent to me appears to be incorrect, compared to XXXX and XXXX ( credit score and other information ) is incorrect. The file credit pulls occurred on XX/XX/2022. 

Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-08
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$3100.00}, {$4900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened oXX/XX/XXXX with a balance of {$3100.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account.
Consumer complaint received 2017-12-08
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. (NE)

Have sent Experian all information according to FTC for identity theft. Including : FTC Identity Theft Report Proof of identity Copy of Credit Report Fair Credit Reporting Act Section 605B Also, included is a local police report Experian received in the mail on or about XXXX/XXXX/2017. I have since recieved a report that one item is not being removed from my report because verified a accurate. When someone uses my identity that info would be my info and would be accurate. I refer Experian Fair Credit Reporting Act Section 605B section ( a ).
Consumer complaint received 2017-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC. (AR)

In XXXX, I consolidated my various student loans into two loans -- one for subsidized loans and one for unsubsidized loans. My original lender was XXXX XXXX. Those loans were then passed to XXXX XXXX XXXX and are now held by XXXX XXXX. 

In XXXX, I lost my job and fell behind on my loan payments. I did n't pay much attention to my credit for many years. 

In late XXXX, I received a forbearance from XXXX XXXX. 

In XXXX, I started looking at my credit report and trying to pay off and repair as much as I could. I found an entry from Educational Credit Management Corporation ( " ECMC '' ). The ECMC website states that it is a guarantor of student loans. I also received several letters from collection agencies of ECMC. 

On XXXX XXXX, XXXX, I wrote to ECMC requesting verification of this debt. On XXXX XXXX, XXXX, ECMC wrote to me that it was unable to locate my account. I wrote to ECMC again on XXXX XXXX, XXXX, requesting verification of the debt. I have never received a response to this letter. 

In XXXX XXXX, I submitted an income-driven repayment plan request to XXXX XXXX, and that request was approved. I also submitted the IDR plan request to ECMC. I received an automated responses statement it had been received. I have never heard anything else from ECMC.

Either ECMC or one of its collection agencies is calling me and my family. The persons refuse to identify themselves or state what business they are calling from. They state only that they are calling about one of my student loans.

I believe that the loan ECMC is referencing is a duplicate of one of the loans held by XXXX XXXX. The only way ECMC could collect from me would be if ECMC had paid part of one of those loans, but ECMC had never provided me with any documentation of payment. ECMC is harassing me and my family and ruining my credit ( I have fixed quite a bit of it ). ECMC will not respond, and I do not know what else to do.
Consumer complaint received 2016-03-11
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (CA)

I am willing to settle the debt at {$10000.00} under a 24 month payment plan of {$430.00} per month beginning on XXXX XXXX, 2016. I have been paying {$250.00} per month for the past 14 months. Navient had previously offered to settle at {$15000.00}.
Consumer complaint received 2016-04-17
Product: Debt collection — Federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: Navient Solutions, LLC. (CO)

I was paying my student loans under a student assistance program and had n't realized that they stopped collecting payments from my account. When I received a phone call from Navient, I told them that I needed to do more research to verify that my loans had n't been paid since XXXX 2015. She then told me that she has already done verification of employment and will be pushing forward for wage garnishment. I again told her I wanted to do some research and she said she 's already done it and became very nasty with me over the phone. I finally told her I would discuss it with her only AFTER I was able to do some more investigating and hung up. She called right back and I did n't answer as I was at work.
Consumer complaint received 2021-02-08
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: Fidelity National Information Services, Inc. (FNIS) (MN)

The following credit inquiry listed on my Chex Systems Consumer Report ID:XXXX is fraudulent and unauthorized : XXXX XXXX, XX/XX/2021. The credit inquiry is not my credit inquiry. I am a victim of identity theft and has a current police report on file with Chex Systems for identity theft, fraudulent accounts and credit inquiries issues.
Consumer complaint received 2017-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

I currently have an account with XXXX that I have had for more than XXXX years. This line was the result of fraud reported many times to the carrier and ERC and ignored. They continue to harass me during work hours even after I sent them the copy of the fraud affidavit. How can I owe for a debt that is not mine and why are these people allowed to threaten and insult me daily.? I have requested orginal signatures from the account and have nothing.
Consumer complaint received 2016-12-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have been a homeowner in my current home for approximately 10 years. Every year I have always paid my property taxes. I have never had a escrow account and it was never in my loan documents for me to have an escrow account. My county issue our tax bill in the month of XXXX. It is due in XXXX installments which is in XXXX and then again on XXXX XXXX. This year as in previous years I plan to pay my bill prior to the XXXX XXXX deadline. When I went to pay my taxes on XXXX XXXX, 2016, I discovered that the taxes had been paid and I did not know how or why. A week later I received a letter from Bank of America stating that starting XXXX XXXX, 2016, I would have to pay over {$2400.00} a month because they had paid my taxes on XXXX XXXX, 2016 and open me up an escrow account which I never had and did not want. I called them and advised them that I had the money to pay my taxes and I did not want Bank of America to pay my taxes. I paid them the amount they had paid for the taxes but the refused to put my payment back to the original amount of {$1600.00}. They said I would have the pay the {$2400.00} for a year and then they would review my account at the end of the year. I advised them that I could not make these increase payments because I am on a fixed income and my taxes had been paid which was only {$3800.00}. I advised them that all taxes they had paid was paid by me and now the escrow account that they had open was at a {$0.00} balance. They still refused to put my payment back to the original amount, even after talking to several of their employees who stated if the escrow amount was at {$0.00} my payments would return to the original amount.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (MD)

Previous compliant response is false. I never received any documentation in XX/XX/XXXX. The documentation provided to the XX/XX/XXXX CFPB compliant is a final bill from XXXX XXXX, not a record of any documentation sent in XX/XX/XXXX. Per XXXX XXXX they have no record of sale of account to NCA nor any affiliation with NCA. 

In response to the false information in reference to my email. I sent a website contact for on XX/XX/XXXX, and received an email on XX/XX/XXXX that required a response requesting more information and suggesting phone conversations can be had. I sent a reply on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX with no responses. I submitted another website contact on XX/XX/XXXX and sent an additional email on XX/XX/XXXX with no response. I also sent a fax on XX/XX/XXXX after this was reported to my credit. 

NCA has continued to falsify contact, by stating that anything was sent to me in XX/XX/XXXX or prior when all contact was from me to NCA. Also falsely suggesting that my contact was singular.
Consumer complaint received 2022-12-14
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. (IL)

Im resubmitting 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 any item 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. 
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 ; 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.