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may concern writing dispute fraudulent charge account amount victim identity theft make authorize charge requesting charge removed finance charge related fraudulent amount credited well receive accurate statement request made pursuant fair credit billing act amendment truth lending act see also b writing request method verification dispute initiated subsequent response received enclosed letter accordance fcra section requesting information review completeness accuracy appropriateness lieu sending information reopen dispute ensure proper investigation performed would appreciate timely response outlining step occur resolve matter receive response choice exercise right frca section pursue legal action closed account card acct opened balance account

sent dispute letter date received investigative result report six day violation direct violation fcra fair credit reporting act please delete amend account requested suspicious behavior going investigatve process come back investigative result whereby theyve deleted account still show credit file sure want investigative process examined court discovery please delete amend account applicable sheet report sheet showing deletion proceed initial page dated report

cfpb response usaa confirms numerous temporary credit reported truth temporary credit never made usaa rep confirms usaa held consumer liable fraud reported see attatched credit card fraud claim date balance statement reported fraud usaa cfpb response held liable month later usaa sends fraud claim letter credit made permanet viewing statement clearly usaa credit never made permanet ever statement confirmed confirms credit merchant usaa placed reversal temporary credit never given see statement usaa never provided permanet credit temporary credit never given reverse entire transaction back card new charge usaa admits held liable unauthorized transaction cfpb credit made booth ussa credit ever internal hidden credit unacceptable two year later internal hidden fraud credit usaa destroyed credit usaa leaf consumer liable unauthorized transaction confirmed usaa cfpb

account added created unbeknownst notice concern hold accountable accuse complicity exercise malevolent hereby mark likely one might one day view civil discord would plaintiff yet declare unjust claim met deliberate determined resistance counteraction clarity claim debt collection insufficient collection much le reporting must delete unjust injurious allegation significantly deficient requisite certified reporting compliance perfect metro format reporting testimonial evidence physically verifiable proof validation related full truth accuracy completeness timeliness ownership identity true debtor date balance audit calculation source code creditor collection code statement associated trailing fragment minimal five portioned personal identifier pay status required confirmation collection elsewise standard mandatory proper reporting mentioned although checking addressing missing deficient aspect reporting compliance contesting debt compliant nature make aware since unlawful reporting transition collection equally complaint circumstance still yet validated document fact compliance requisite standard announced yet legally knowledge validity alleged claim delinquency derogatory nature certifiably compliant matter either collection attempt reporting despite previous consumer filed composed complaint checking might known especially shall elect take matter civil court debt derogatory claim must pursued particularly collection defined precisely compliant physically verifiable certifiable manner detailed requisite obeyed federal state collection reporting regulation associated noted said claim include limited fcba fcra hipaa privacy rule facta fdcpa tcpa etc additionally entity act collector also elect act reporting party consumer credit must well adhere every single one even regulatory reporting requisite standard reporting legal standing full accordance law accepted reporting standard date plaintiff failed demonstrate capacity willingness validate alleged debt much le certify fair accurate complete compliant reporting claim particularly significantly deficient display certified metro compliance given fact recent breach information collection repository hesitating readily accept presented without testimonial certified physically verifiable document evidence claim legitimate deny nothing yet reserve right question unproven claim accept statement claim plaintiff call court reject claim untrue unverified incomplete compliant otherwise invalid thereby dischargeable requirement dismissed full demand said court resolution today even full accord regulatory statute mentioned date received knowledge ever entering contractual relationship plaintiff forward civil complaint entity y allegedly issued defaulted line credit accusation similar despite repeated call accuser demonstrate requisite presented physically verifiable document proof adequately acquired permissible purpose exactly individual irrefutably identified acknowledgement relationship party mentioned form knowledge ever knowingly acknowledging even unknowingly owe proven compliantly reported debt much le claim unproven debt alleged written declaration checking validity claim also document proof certifiable testimony factual complete compliance standard law even mandatory metro format compliance obvious allegation filed accuser plaintiff clear subterfuge act willful disregard ethical practice done ignorance requisite ethical regulatory compliant behavior accusation collection effort credit reporting claim vile nature derelict unjustly injurious unlawful doubt call dismissal plaintiff statement claim discharge misreported delinquency derogatory behavior accuser complaint undeniably unfairly lodged versus knowledge ever receiving proven document fact statement account account aspect item alleged debt delinquent action reiterate called accuser present document certifiably true correct complete adequately compliant documentation full validation claim right collect alleged claim right report alleged claim let true compliance regulatory requisite mandatory optional plaintiff claim mute legal standing full accordance law must dismissed knowledge ever entering open account plaintiff entity y allegedly issued defaulted line credit derogatory claim credit fact claim even submitted adequate compliant proof genesis relationship inability prove application permissible purpose said alleged application agreement contract describing relationship related alleged claim account debt otherwise derelict documentation claim inherently make invalid plaintiff whole statement claim summons complaint request court resolve adequately compliantly required immediate eradication complaint charge rectification injurious collection reporting practice compliance appropriate collection practice equally compliance appropriate complete reporting practice mandatory optional stand proven otherwise complaining plaintiff unjustly unethically likely illegally absolute deficiency requisite legal standing full accordance applicable law mentioned collection practice well reporting practice particularly inability unwillingness timely fully certify physically verifiable document proof full validity debt claim compliance reporting even mandatory metro format declare right preference stand claim plaintiff call authority integrity ensure truth claim correctness claim completeness claim ownership responsibility debt delinquency debt alleged noted claim perfect compliance collection action related claim compliance reporting action related claim

receiving call regarding account

previously notified victim identity theft please see attached requested document time

letter inform recently received copy credit report company publishes reviewing found number item report inaccurate account question listed please send copy document file date used verify accuracy account listed derogatory accusation including alleged inquiry must metro compliant retain report delete physically proof permissible purpose exactly legally identified authorize report proven compliant information must comply respectfully request prompt attention following inaccurate information credit report convenience disputed item listed following item inaccurate negatively affecting credit please reinvestigate matter delete correct disputed item respectfully request provide proof disputed item specifically contract note court document instrument bearing signature failing item must deleted addition number credit account inactive seven year know fcra state credit older seven year removed report therefore following account removed creditor account creditor account creditor account creditor account creditor account creditor account creditor account creditor account creditor account creditor account creditor account creditor account creditor account creditor account creditor account creditor account formal notice claim disputed requesting validation made pursuant fair debt collection practice act fair credit reporting act along corresponding local state law please note requesting validation competent evidence bearing signature showing ever contractual obligation pay creditor

day waiting response credit bureau inaccurate information credit report negative account credit report account negative showing inquiry authorized waited much response credit bureau

received call student loan company stating debt needed pay never applied student loan never gone college quickly opened account review credit report found student loan fraudulent account never opened gave anyone consent open please delete item account soon possible

balance reflecting correct made settlement payment email clearly state settle balance balance reflected follows account ending made settlement payment towards initial balance happy confirm payment settle balance last sentence clearly state payment settle balance mean longer balance balance

account added created unbeknownst notice concern hold accountable accuse complicity exercise malevolent hereby mark likely xxxxne might one day view civil discord would plaintiff yet declare unjust claim met deliberate determined resistance counteraction clarity claim debt collection insufficient collection much le reporting must delete unjust injurious allegation significantly deficient requisite certified reporting compliance perfect metro format reporting testimonial evidence physically verifiable proof validation related full truth accuracy completeness timeliness ownership identity true debtor date balance audit calculation source code creditor collection code statement associated trailing fragment minimal five portioned personal identifier pay status required confirmation collection elsewise standard mandatory proper reporting mentioned although checking addressing missing deficient aspect reporting compliance contesting debt compliant nature make aware since unlawful reporting transition collection equally complaint circumstance still yet validated document fact compliance requisite standard announced yet legally knowledge validity alleged claim delinquency derogatory nature certifiably compliant matter either collection attempt reporting despite previous consumer filed composed complaint checking might known especially shall elect take matter civil court debt derogatory claim must pursued particularly collection defined precisely compliant physically verifiable certifiable manner detailed requisite obeyed federal state collection reporting regulation associated noted said claim include limited fcba fcra hipaa privacy rule facta fdcpa tcpa etc additionally entity act collector also elect act reporting party consumer credit must well adhere every single one even regulatory reporting requisite standard reporting legal standing full accordance law accepted reporting standard date plaintiff failed demonstrate capacity willingness validate alleged debt much le certify fair accurate complete compliant reporting claim particularly significantly deficient display certified metro compliance given fact recent breach information collection repository hesitating readily accept presented without testimonial certified physically verifiable document evidence claim legitimate deny nothing yet reserve right question unproven claim accept statement claim plaintiff call court reject claim untrue unverified incomplete compliant otherwise invalid thereby dischargeable requirement dismissed full demand said court resolution today even full accord regulatory statute mentioned date received knowledge ever entering contractual relationship plaintiff forward civil complaint entity y allegedly issued defaulted line credit accusation similar despite repeated call accuser demonstrate requisite presented physically verifiable document proof adequately acquired permissible purpose exactly individual irrefutably identified acknowledgement relationship party mentioned form knowledge ever knowingly acknowledging even unknowingly owe proven compliantly reported debt much le claim unproven debt alleged written declaration checking validity claim also document proof certifiable testimony factual complete compliance standard law even mandatory metro format compliance obvious allegation filed accuser plaintiff clear subterfuge act willful disregard ethical practice done ignorance requisite ethical regulatory compliant behavior accusation collection effort credit reporting claim vile nature derelict unjustly injurious unlawful doubt call dismissal plaintiff statement claim discharge misreported delinquency derogatory behavior accuser complaint undeniably unfairly lodged versus knowledge ever receiving proven document fact statement account account aspect item alleged debt delinquent action reiterate called accuser present document certifiably true correct complete adequately compliant documentation full validation claim right collect alleged claim right report alleged claim let true compliance regulatory requisite mandatory optional plaintiff claim mute legal standing full accordance law must dismissed knowledge ever entering open account plaintiff entity y allegedly issued defaulted line credit derogatory claim credit fact claim even submitted adequate compliant proof genesis relationship inability prove application permissible purpose said alleged application agreement contract describing relationship related alleged claim account debt otherwise derelict documentation claim inherently make invalid plaintiff whole statement claim summons complaint request court resolve adequately compliantly required immediate eradication complaint charge rectification injurious collection reporting practice compliance appropriate collection practice equally compliance appropriate complete reporting practice mandatory optional stand proven otherwise complaining plaintiff unjustly unethically likely illegally absolute deficiency requisite legal standing full accordance applicable law mentioned collection practice well reporting practice particularly inability unwillingness timely fully certify physically verifiable document proof full validity debt claim compliance reporting even mandatory metro format declare right preference stand claim plaintiff call authority integrity ensure truth claim correctness claim completeness claim ownership responsibility debt delinquency debt alleged noted claim perfect compliance collection action related claim compliance reporting action related claim

car stolen home walking door leave work car gone worked closely diligently insurance company provide every detail immediately anxious car school approaching child going different school needed car immediately car considered total loss insurance company confirmed would issuing check gap insurance would pay reminder balance longer responsible payment car made every payment time owned car never late asked bb penalize company provide pay timely manner late payment credit report reportedly negatively report process trying purchase first home please hold accountable someone stealing car ruining life

chase bank closed credit card account reason due bank said chase bank never attempted withdraw payment account asked chase bank provide letter checking account tried withdraw keep giving run around need provide bank also hurt credit report process purchasing home manager call supervisor speak let speak people knowledge repair problem

loan choicerecov original creditor always made payment time see always stellar payment record company tried contacting choicerecov original creditor successful resolution definitely error part

derogatory mark added credit report per account resolution corporation allowed fair debt collection practice act fdcpa upon research account longer responsible account additionally allowed health insurance portability accountability act hipaa protect privacy medical record third party recall giving permission image release medical information third party aware hipaa allow limited information anything revealed patient authorization therefore request twofoldvalidation debt hipaa authorization

checked credit report purchasing vehicle realized victim identity theft filed report local police department send document u bank account opened account number date opened balance account opened u bank account number date opened balance account opened account number date opened balance never opened account victim identity theft need resolved removed name credit bureau

account comenity capital bank one paid collection advised collection agency account would updated removed rom report updated either party original party collection agency reached party nothing done

various credit card sold credit card debt credit card company collection agency account supposed accurately placed hardship program designed help u consumer repayment debt lowering interest payment amount requirement account originally xxxxxxxx supposed placed protective made preset payment amount date payment ensure responsibility agreement continue stay elligable program removing ineterest maintaining keeping account good reporting standing eliminating interest mainting account want buy first home account placed hardship program account well misspelling name couple account fixed name never account issue fixing caused various issue attempting speak management account would also issue bringing account inorder talk failure filling form representative end hardship account sold another collection agency placing active account closed sold collection damaging credit repair promise hardship program making purchase home impossible sent hand written letter credit bureau creditor customer service department dispute department attempted since issue resolved still affected mistake someone please help found oout issue became owner notified even requested account note release need get fixed please

dear sir madam placed credit score freeze experian need temporarily left freeze experian requires pin given mail long time ago could locate retrieve pin experian provides website service service tried numerous time retrieve pin instructed experian time asked mail id social security card proof address experian designated address accordingly mail couple month passed received experian response mail tried experian website phone number provides got automatic instruction mail required document address many aspect life need credit score checked household need need need problem faced experian became obstacle life seemed way get issue resolved problem persists life heavily impacted without hope seeing changed due problem experian could hold position hurt normal people liberty life need thus filing compliant tried attempt experian offer

experian allegedly provides free credit report unfortunately simple table zero information require full credit report dispute item try dispute item logging changing password password stop working ended error page internet page pay site tired tried access dispute end going frustrated need full credit report dispute item causing great credit hardship

account included bankruptcy still listed credit report according provision fair credit reporting act validation disclosure usc disputed item must reinvestigated deleted credit record within day investigation period item must removed credit report mere reporting item prior debt validation constitutes collection activity

cooling winter trying collect debt mine also pas statute limitation open account year rep tried communicate unethical cooling winter refuse send written signed contact verifying data fraudulent account

xxxxxxxx ga request investigation unauthorized inquiry may concern checked personal credit report acquired organization noticed unauthorized inquiry made contacted placed inquiry asked remove credit inquiry credit profile also asked cease illegal activity immediately date response office since sending letter business day ago failed respond honor request therefore must request help resolving matter accordance fair credit reporting act request immediately initiate investigation inquiry credit report determine authorized inquiry investigation complete find allegation true please remove unauthorized inquiry credit report send updated copy credit report address listed find inquiry referenced valid request please send full description procedure used investigation within business day completion investigation tx request investigation unauthorized inquiry may concern checked personal credit report acquired organization noticed unauthorized inquiry made contacted placed inquiry asked remove credit inquiry credit profile also asked cease illegal activity immediately date response office since sending letter business day ago failed respond honor request therefore must request help resolving matter accordance fair credit reporting act request immediately initiate investigation inquiry credit report determine authorized inquiry investigation complete find allegation true please remove unauthorized inquiry credit report send updated copy credit report address listed find inquiry referenced valid request please send full description procedure used investigation within business day completion investigation transunion llc pa request investigation unauthorized inquiry may concern checked personal credit report acquired organization noticed unauthorized inquiry made contacted placed inquiry asked remove credit inquiry credit profile also asked cease illegal activity immediately date response office since sending letter business day ago failed respond honor request therefore must request help resolving matter accordance fair credit reporting act request immediately initiate investigation inquiry credit report determine authorized inquiry investigation complete find allegation true please remove unauthorized inquiry credit report send updated copy credit report address listed find inquiry referenced valid request please send full description procedure used investigation within business day completion investigation

completed loan process pay lease end amount kia motor finance date still received title kia

paid loan u bank last month lesser amount listed paid full week later look app say didnt pay amount full past due paid amount listed error end two app also paid balance full within day still reported late payment credit bureau called said would removed keep word even waived late fee clearly fault

time trying fix error alleged account wrote two letter yet inaccuracy still remain attached photo proof inconsistency inaccuracy continuously verified date last activity different across three bureau show experian show please tell information verified creditor still report inconsistently across three bureau right accurate credit report please delete unverified inaccurate account immediately account name deptedxxxx account

progress trying fix credit noticed collection account jefferson capital system llc never business notice said trying collect debt closed paid final bill know owe anything sent certified letter account number posted credit report asking validation debt accordance code requested verification debt including age debt itemized statement owed name address original creditor evidence legally responsible debt asked information please remove credit report today responded letter

complaint blatant violation asked lvnv validate debt listed credit report first letter sent sent bill asked proper validation ignored request since sent letter got response provide letter upon request disputed credit bureau using factual evidence report needle say found several violation inaccuracy disputed well even continue report regard law attach page report record violation bureau reporting different information ca accurate trying account also moving account another area report changing collection open closed back open even went say longer reporting lvnv account still account listed consecutive year straight well reported late past due collection see seem think law matter ca one could really use help matter

outfitted duplicate front conclusion application mpn isolated duplicate may well back close person archive besides nothing join duplicate dependably together data partitioned duplicate back close relates dependably front close application mpn report mpn given show falsely combined together one master promissory note mpn must contain page consolidate itemized list whole sum dispensed amid time college mpn combine partitioned note case initial duplicate showing one mpn data given show mpn embraced commonly mpns incorporate central sum lent case portion show application mpn marked central sum claim hold legitimately official mpn thus capable approving claim comparing financial request agreement case law appointee guaranty organization auxiliary holder step shoe loan specialist taken mpn note subject guard may state see washington supp reversed ground cir vacated reconsideration cir application mpn money related help archive confirm certainty money related help candidate get gotten advance sum case candidate get credit sum point duty obligation commitment chance keep loaning borrowing exchange happened must supply significant marked report sum legitimately authoritative obligation disobedient unrestricted guarantee pay chance concrete legitimate proprietor affirmed obligation additionally must first completely qualifying mpn archive ownership client yielded duplicate front conclusion application mpn report partitioned duplicate may back close person report subsequently nothing interface duplicate dependably together information partitioned duplicate switch close connects dependably front close application andmpn document based accessible data record made pulled back college without presence comparing loaning borrowing exchange important report inside record making make obligation halfway duplicate application mpn outfitted money related help application based accessible data qualifying mpn case exist instep sent halfway duplicate record made halfway duplicate report mind guarantee send copy simply create separate duplicate front back conclusion initial archive essentially much trouble send duplicate made duplicate duplicate arranged putting together two sheet paper photocopying side case one record abuse identical fraud amid period gone get budgetary help inclincluded subsidized unsubsidized may didnt realize necessity sign letter time show case show acknowledged reserve instruction point recovered data begun collecting installment didnt get college expansion didnt get affirmation given installment moreover included within ask credit beginning record additionally given grant letter wasnt drafted accurately grant letter included money related help letter without signature cleared college gotten letter asking sign documentation affirm credit pay college marked record since thought record sign credit benefit time past long time paid month month sum requested mpn company furnisthey outfitted data case embraced left college inquired kill credit report thing considered permitted previously mentioned credit report asked marked credit data time recently begun school fizzled supply marked school certification mpn reason would like installment discounted paid within sum like manner ask client outfit duplicate taking archive correct duplicate first record illustrate understudy credit loaning borrowing exchange take put coming obligation exists therefore please document notary certified expressing record precise copy initial archive duplicate duplicate duplicate made within nearness public accountant certifies company organization hcurrently hold original document summary information provided doesnt provide valid master promissory note award letter school certification letter notice loan guarantee disbursement receipt paid university receipt

check credit report notice thing belong account stopping buying dream house account listed mine sent multiple letter received feedback complaint understand really happening please help

sent information credit bureau investigate item report still sent anything back one letter sent middle pandemic family affected asked respond well day still nothing please help know busy law suppose respond within certain time frame

disputed account paid full settlement requesting removed three reporting credit bureau

link pnc bank account

purchased sofa piece carpet financed acima credit llc ut listed cash price incl monies paid store informed would contacted let know day near payoff contact made instead charged month since paying date incl early payoff made month totaling company still charging date every two week amt payoff complete racketeering completely disgusted would advise one deal crook chk site first would never purchased anything

company failed provide proper validation account per fdcpa also company failed show able legally collect debt state requested said information company failed comply final attempt handle company independently

paid loan full since paid loan full politely requested csr would able somehow mark previous month late time since paid entire loan full early csr said possible told everything least reconsider

made payment captial one unknown reason payment declined discovered card frozen eventually freeze lifted contact capital one explain payment go advised reach credit reporting agency put claim dispute late payment claim denied time complaint supporting document regarding account froze keep call xxxxxxxx get send something writing support claim document arrive mid system wont allow dispute late fee claim

ally financial customer since time enjoyed experience greatly writing see would willing make goodwill adjustment reporting three credit agency late payment referenced account since time exceptional customer paying every month time exceptional payment history last year would like consider removing negative payment credit report time late payment process changing job say justify payment late rather show late payment good indicator actual credit worthiness

two account seemingly sharing account number opened fraudulently since certify mailed dispute letter including identity theft report affidavit social id utility bill verification

nelnet several violation bring attention demand right thing correct record removing two day late payment loan deferment see section b b state consumer notifies debt collector writing within day period disputed consumer request name address original creditor debt collector shall cease collection debt verification debt copy judgement failed provide proper validation accord law provided copy original documentation consumer contract signature required section section nelnet account showing late payment student loan reflecting late payment immediately remove day late payment account loan reflected student loan payment deferment requested update record student loan deferment notified associate nelnet back early told error corrected nelnet sent letter long day period allow law stating decided change status due regulation doe without proper reason contrary assertion failing update previously reported information nelnet violation fcra attached ftc advisory opinion interprets fcra issue posed advisory opinion lender handle situation subsequent information update report allegedly made longer accurate present time advisory opinion state section fcra address duty correct update information furnishers person furnish information consumer agency cra credit bureau particular section requires person furnished consumer reporting agency information person complete accurate promptly notify consumer reporting agency determination provide information needed make complete thus face provision requires furnisher provide corrected information consumer reporting agency reported originally duty extends student loan account reported cra regardless whether accurate one point section requires furnisher update account well correct nelnet representative later told delinquent payment reported subsequently initiated deferment would allow nelnet update report cra show payment late actually deferment even though originally acknowledge reflecting deferment status however section clearly show report must corrected regardless whether supposedly one record agree nelnet ever reported status student loan given fact failed provide proper documentation validation request within section even find original signature page paper work original request leaf suspect processing error behalf nelnet addition possible section claim intend filing suit nelnet credit bureau correct account show late pay error requested full validation ask proof student loan come deferment proof nelnet contacted let know wanted change status legal right without consent notification ask original paperwork signature proof original deferment paper work unable provide signature page showing come deferment provide proof never requested stay deferment time sent original paper work within proper timeframe received answer proper validation day pas ask follow law section section b usc b section credit report currently accurately reflect previous payment statue nelnet actually existed nelnet recorded thus compliance section fcra student loan account reflecting late payment updated corrected removed event report immediately updated accurately reflect payment status intend filing law suit filing complaint ftc mean necessary seeking absolute max law allows along punitive damage defamation strongly suggest consult legal department today day respond letter writing day receive letter hear back decision remove two late pay account seek legal action look forward peaceful solution look forward unpeaceful solution

citibank credit card year due financial cicumstances paymnets started getting late whcih never happened due high debt closed credit card issue due corona virus issue making payment citibank instead coming payment palan closed credit card pay debt want reopen credit card

disputed paid charge charged paid full account reporting closed paid charge fast forward account show reporting monthly month charged account reporting charge period debt paid ive contact still resolution

there evidentiary inclusive complaint evidence fact fact got seen statement also letter portfolio recovery associate llc whereby would request credit reporting agency delete portfolio recovery associate llc tradeline still reporting thought intimidation white supremacy act continuous delay got proceeds record time promised calling consumer financial protection bureau implore redress immediately matter

applied third federalfor mortgage refinance heloc approved able close yet apparently third federal say sent request payoff amount say received payoff request applied approved month later closing last email received loan officer stated would get management team involved grammar error said thought title company contacted even though previous email said problem payoff amount

call phone back phone identifies national credit adjuster person phone identified sounding like something different call phone back phone identify active line collector identified something like calling asking give social security number date birth even evasive maneuver argument identifying business verifying name identifying debt collector telling refuse tell calling unless give personal identifiable information argument clear transparent negligent filing report cfpb unknown calling personal identifiable information rather debt collector business practice responsibility skip trace debt collector verify identity want verify mine without identification first worked public collection year ago besides name verify address public information work people collection irs identify ask payment ca see even really reason wo giving identifiable information want call ask either way better find practice collect business information completely unnormal refuse identify collector law say would harmful consumer ask business privileged information verify identity next time call asking information like social security number business file complaint besides trying skip trace debt collector

received notification credit reporting agency well vendor bank name regarding significant decline credit score contacted student loan lender regarding decline credit score comment remark removed credit report caused decline informed account good standing loan currently forbearance due couple account grace period informed contact credit reporting agency credit reporting agency ability make decision regarding credit score informed representative contacted reporting agency informed contact requested matter investigated told noting done account good standing reported reporting agency expressing concern request advocate behalf informed make complaint via writing letter sending supporting document compliant department submitted dispute one account told dispute account due fact account good standing informed contact regarding concern equfax provided recommendation informed contact board education contacted board education informed contact reporting agency party stated credit score declined significantly account good standing either forbearance grace period since told could submit dispute regarding credit score reason move forward dispute option dispute credit score made attempt resolve concern recommended call party solution thank time patience assist matter

attempt get resolved collection lying date last activity uploaded old credit report prove date last activity lying plus ftc say collection collection account stay credit report seven year original delinquency date original debt date first missed payment account longer brought current may see collection account account original creditor credit report attached copy credit report showing correct date last activity documentation proving anything done debt sent constitute change debt year old collection agency fair debt collection practice act corrected deleted filing complaint federal trade commission

deposit made two deposit made morning account positive evening upon checking put negative contacting bank told nothing could done taken fee covered several deposit

received phone call today xxxxxxxx company stating lawsuit ace cash express hearing would sd court case number man spoke said would wage garnished working time due covid pay loan amount ordered never received much loan ever

looking credit report noticed lot inquiry called credit bureau told could help contact company given number work right research found social security information web

trying use financial app called bank pnc allow connect account financial management please urge pnc bank reconsider allowing

time complained fraudulent negative account credit report following account bee deleted sold several time verification ever provided choice point please advised debt recovery solution final notice file law suit party collection agency disputed account response previous complaint request proof contract substantiate claim therefore provide certified copy original contract signature specifically naming company person entitled enforce commercial claim certification done presence notary public duly swear copy made fact copy original paper contract question

filed dispute credit reporting agency regard inaccurate information reporting credit report never received notification regard investigation result day filed day demand comply credit bureau still yet receive response

dept placed unknown account credit report amount demand account removed

moved ohio visited nearest citizen bank branch located oh needed withdrawal pay staff worth monthly check refused let access money pretending lobby closed bank also closed told come back next day asked manager last name refused let access fund threatened call police leave immediately law since president fdr state client access money find solution deliver protect public citizensbank branch mismanagement attitude mistrained people

may concern please immediately delete item listed found credit report provide copy documentation associated bearing signature employee looking computer screen seeing name listed database verification validation alleged debt complete description investigation procedure per item required fair credit reporting act procedure case disputed accuracy reinvestigations disputed information reinvestigation required general subject subsection f completeness accuracy item information contained consumer file consumer reporting agency disputed consumer consumer notifies agency directly indirectly reseller dispute agency shall free charge conduct reasonable reinvestigation determine whether disputed information inaccurate record current status disputed information delete item file accordance paragraph end period beginning date agency receives notice dispute consumer reseller procedure case disputed accuracy reinvestigations disputed information treatment inaccurate unverifiable information general reinvestigation paragraph information disputed consumer item information found inaccurate incomplete verified consumer reporting agency shall promptly delete item information file consumer modify item information appropriate based result reinvestigation procedure case disputed accuracy reinvestigations disputed information description reinvestigation procedure consumer reporting agency shall provide consumer description referred paragraph b iii later day receiving request consumer description agency requirement identification information permission use purpose outside identifying person disputing item report unethical mention illegal use information update erroneous information provided creditor additionally place fraud alert promotional block etc file without expressed permission receiving copy credit report disputing following item account mine mine mine collection lease term mine mine mine mine inquiry unauthorized unauthorized unauthorized unauthorized unauthorized unauthorized unauthorized unauthorized unauthorized unauthorized unauthorized unaware account company reported absence documentation bearing signature formally request information immediately deleted credit file maintain social security number please note day complete investigation per fair credit reporting act section keeping careful record action failure respond satisfactorily within day receipt letter result small claim action company every remedy provided law fully intend seek per item damage defamation negligent enablement identity fraud violation fair credit reporting act required appear court venue local order formally defend additionally place fraud alert promotional block etc file without expressed permission

account paypal using transaction sold pc received paypal shut account without explanation freezed money help explanation get money pc

year mortgage company transferred mortgage another company last change evidently bankruptcy sure tried call answering machine said due sale asset taking call refer goodbye letter received letter letter state notice servicing transfer state servicing mortgage account transferred effective payment due mean date new servicer right collect mortgage account payment made last payment shellpoint mortgage servicing collect payment going forward received letter shellpoint mortgage servicing stateing pleased owner mortgage anytime taking mortgage paymnets went online set automatic payment made chose take mortage payment sent letter stating confirmation authorizing monthly payment draft first payment amount would amount mortgage took amount cleared bank received mortgage statement amount due total added charge payment fee overdue payment make sense since money already taken right amount husband called waited phone hour hold girl name came help explained situation even admitted extra charge said would transfer billing deparment another hour wait came phone sure spelled last name right husband went whole thing stating owe money late payment even yet stated overdue payment amounth fee explained charged fee took conversation told paying fee owe letter stated overdue payment told car charged needed go fee since owed nothing mortgage paid time always set debt collector said care owe debt know small amount paying money since pay asked speak supervisor course could lose temper would give supervisor used cell phone call still phone tell fee since different company year take mortgage payment taking call stand paying sent invoice back stating paying fee since mortgage paid time hope help u know small amount bet every customer took need documentation provide

received personal email solicitation bank america inviting open checking account receive bonus day visited local branch presented email told rep wanted take advantage offer deposited today received bonus money visited local branch spent hour agreed money due called bank main office hour told issue would investigated check back day branch manager agreed u since brought original email notice original bank appointment receipt said anything false advertisement targeting senior since wife stop crook senoirs fall prey scam please help

previously disputed bankruptcy response verified item accurate stating verified information court contacted court response sent multiple time stated opposite clear report credit bureau matter therefore original response verifying item court either error lie either way reporting requirement comply fcra information must deleted immediately

victim identity theft resulted account opened name fraud

process refinancing residence last week credit checked mortgage broker broker informed qualify rate attempting recent debt reported credit report reported cable utility company sent unpaid debt collection debt related account opened went unpaid called debt collection agency learned account opened apartment complex moved year ago maiden name filed formal complaint police department identity fraud city account opened detective informed today checking apartment complex utility company evidence identity fraud person opened account name similar maiden name used different dob social security number appears debt ended credit report extreme negligence maiden name similar one point lived apartment complex almost year ago tried calling utility company since account information ca find account name wo help called collection agency tell marked fraudulent account point find anyone confirm promptly removed credit history already cost thousand dollar due longer qualifying much lower interest rate residence utility company debt collection service held responsible type negligence smallest amount due diligence debt collection agency would prevented happening lawsuit pending

request verification like original signed consumer contract portfolio recovery associate amount sent three letter requesting documentation like original signed consumer contract required fcra never produced sent letter original creditor sold account portfolio recovery associate sent three letter could produce verification debit said verified verified documentation sent verify debit showing collection hurting credit addition noticed today second account appeared collection amount starting process account sent three letter three credit bureau well filing complaint provide required documentation

mortgage chase logged chase online account intending pay mortgage time realized paid mortgage small mortgage piece vacation property somehow slipped mind chaos pandemic however complaint chase never contacted notify account delinquent either email regular mail telephone paid full amount past due contacted chase told tried call leave message allowed telephone consumer protection act explained answer number know return phone message chase said leave message law said elected paperless statement chase said statement alerted however never received email paperless statement case election paperless statement supposed still receive tax statement notice letter paper mail receive tax statement hard copy paper format however never received notice except advertisement asked representative chase sent delinquency chase send single notice delinquency representative said sent letter notifying pandemic assistance however notice advise delinquent appeared advertisement chase time pandemic program specific account representative chase said would notified via mail foreclosed house

creditor citi add sd acct creditor never communicated u option statement mailed till late credit card charge trouble speaking native tongue every time called minute representative would get upset disconnect call could understand broken tried explain charge would listen account charged affecting ability refinance home please help

see multiple late mark clear violation right fcra company never responded attempt obtain proof documentation prove account reported accurately

denied apartment application due id theft credit report equifax refuse remove even document required remove id theft report social security number driver license via mail tracking number believe right violated would like account removed immediately

repeatedly entered information denied statement information found attempting replace freeze account attempted today freze implemented

hello contacting today regarding fraudulent matter began within well fargo pennsylvania branch providing following information help clarify present circumstance husband divorcing account holder well fargo personal business account joint personal checking closed removed fund leaving child home newborn filing protection order divorce ultimately decided try working marriage process chose reopen joint account time monthly expense well credit card payment paid account payment made online home computer exception two check tuition mortgage bank statement show payment made way year credit card name used purchase everything personally home related business card paid either checking account left marital home reside single parent child contact month left home time continued pay expense way always paid knowing would ultimately work court divorce proceeding well fargo unauthorized payment made account four different credit card spanning back far purchase made child gift current total chargebacks date includes interest late fee credit card credited back husband well fargo account withdrew fund closed account credit card coming fund include purchase way back ex husband bank statement show payment credit card made account two different tax year bank statement go private access aside well fargo deposit statement agreement page clearly state occurred let alone far back someone within well fargo completely ignored policy aided husband fraud destroyed credit created undue stress already stressful divorce link video summary http

around notified mortgage holder property address mortgage statement incorrect corresponding ongoing concerning correction needed went back fourth month changing mailing address finally realized much paperwork property address also deed trust written documented wrong still getting run around sent generated letter writing long letter concern correction taking long sent documented proof county tax statement property address still generated letter state reviewing frustrated please help thanks

write request bureau assistance correcting anomaly ixxxx xxxxxxxx reporting auto loan credit account recently closed sought approved refinancing financial auto loan opened since several telephone conversation date corresponded fact several different customer service agent informed receiving communication short order payment close account agent acknowledged see payoff request file point actually receive payment ultimately responsible outstanding balance paid full contacted encouraged expedite payment since want credit negatively impacted sale manager indicated payment submitted even provided direct telephone number requested forward may contact expedite proceeding provided reported account day late resulting point drop credit score tarnishing perfect payment history called told longer credit reporting resolution department regular customer service agent provided recourse contacted equifax filed dispute basis new auto loan reflecting credit report since total included amount still outstanding also still reflected report outstanding time question still would financial institution report late point payoff amount go pay previous vendor simply business business transaction affected customer unless one party refused pay result dispute arrived realized refused reverse recent late reported payment also resubmitted late payment submission disputed cfpb rectified led time payment history reflected according equifax even though account closed given credit account held longest far remain integral part credit worthiness going forward next foreseeable year think took precaution could situation responsible consumer isnt sitting well end result ask bureau reach individual credit reporting bureau review detail reporting account effect possible positive change future credit worthiness isnt negatively impacted sincere regard

account received call collection agency advising paid settlement offer item would removed credit report month later item still reporting negatively credit report

credit score went put dispute transunion accept dispute credit went credit score went disputed account still active closed disagreed took card credit report card credit limit balance would like credit card used show proper credit score would like credit score reassigned

submitted request investigation several line trade line experian match experian responded verified requested show verified information sent report told updated answer question asked experian send document show verified item send another updated response address question finally sent request stated advised description procedure used determine accuracy completeness information hereby requested received response showed outcome updated still yet receive response show information verified per fcra b iii requested description procedure used determine accuracy completeness file different occasion yet receive appropriate response know old account wo make much difference credit report impression rule made everyone follow

santander involved multi state settlement apart still reporting credit report

reporting act section required federal law verify physical verification original signed consumer contract account post credit report otherwise anyone paying reporting service could fax mail email fraudulent account demand see verifiable proof original consumer contract signature file account listed failure positively verify account hurt ability obtain credit fcra unverified account must removed unable provide copy verifiable proof must remove account listed demand following account verified removed immediately thank prompt assistance matter

follow complaint since received unintelligible response bofa via voice message make one word number respond assuming spam received letter stating handling inquiry complaint made letter stated reach responding call happily forward make one word unavailable return call tried different day two three four five different day day called unavailable told work internal email message sent alerting call back fourth call even check schedule availability scheduled call time never called back sixth day called end spoke supervisor alerted bos gave reason responding say would inquire went entire history explained make principle payment account clear system set favor principle payment person without checking account must go two step two day process huh say must make payment set personal reminder go back next day reapply correctly system full way fail customer date within six month done time fourteen multiple agent supervisor mean happening thousand made principle payment directly call recorded clear pay additional payment supervisor bos insisted man would take care account gave bofa email said direct email could email anytime confirm activity thing went correctly make payment neither true learned sixth call email responded email direct email department confirm anything writing take payment way call back next day email confirming payment applied confirmed never called nothing since another issue simple interest car loan data online never tell applied statement always wrong correct reversing charge next statement bofa customer see activity past charge either idea applied correctly never called evidence info online see amazing point must changed system wide loan company must provide customer current date data transaction account payment history yesterday call another supervisor explored account said despite said payment applied way account took fund phone via routing bank account number never applied fund prove made payment get worse ca fix issue literally fradulently took payment kept didnt apply system showed activity like many others would known since luckily called get confirmation never check lucky read incredibly short non detailed note customer wanted make principle payment took payment need never converted worse yet even apply payment made fund taken bank need help committing fraudulent act clearly system place easily correctly provide little data customer even know account stand call back dont call back complaint confirm payment converting principle spoken multiple supervisor failed task took money kept fraud theft prove paid easily call recorded clearly giving information confirming transfer bank record transaction note state made payment needed converting however customer make paying car loan full time job please help systematically robbing thousand day sure entire motivation fix get charge daily interest rate principle balance every error made earns money due letting principle paid complete conflict far fourteenth error made month one favor even apply incorrectly literally took apply need investigated willing bet thousand account day done incorrectly result thousand unfair profit unknowing people please help wo even respond complaint provide bank info prove paid looked terribly afraid service integrity process constant lying lack responding following taking money trace online system info going fighting loan year please help ca one investigate account

year credit card lower credit reason research found lot people complaining affecting credit report available credit

made electronic request transunion site one responded inquiry investigate remove inaccurate item credit report amount

applied bjs credit card comenity bank approved limit le month closed said didnt like information found credit report account opened closed within month credit report leaf negative mark credit stating creditor closed account le month opening account requested bank reopen account rank good credit score dont want extend line credit however penalized credit statement showing account opened immediately closed didnt like credit report approved week prior showed sign excessively utilizing given credit line determination taken place opening account would like request removal account credit report entirely fair leave mark credit report year based something could denied beginning please let know assistance matter

car involved car accident however vehicle partial pay charge high interest balance put credit showing day insurance given settle amount already

originally disputed item lexisnexis consumer report corrected information several item shopped online automobile insurance discovered several automobile accident still report disputed item receive response lexisnexis contacted get update request finally received letter report available website new report still list six accident involved son way time filed dispute explained lexisnexis information related son name share home address owns car pa driver license automobile insurance afforded two opportunity correct report failed therefore requesting assistance original item removed report timely manner

debt collection company called nationwide recovery system attempting collect debt owe date opened medical bill system since released called company issue put hold long period address file ive never lived asked provide proof supposedly owe want bank account information every time ask speak supervisor get disconnected also disputed report debt accurate owe medical debt since

sent letter regarding inaccurate unknown thing credit report day day later received response yet feel like im taken advantage ignored dispute section plainly stated failure investigate item within give reason immediately remove item credit report day deleted promtly demand account deleted immediately file iltigation due stress caused information also impacted data breach may got hand wrong person

filed complaint kohl reporting account day past due tried obtain copy complaint could access online need call made payment kohl app towards account several day seeing money come decided call ensure received fund told representative time never seen anything like money received advised fund received date made payment account would gone past due screenshot attached payment confirmation bank say could issue number entered end said declined payment right away given confirmation plus successfully gone past using payment method decided pay close account right away due high risk associated keeping account open account paid time every single month holding account cap one account holder processor excellent credit history unclear went wrong certainly accord figured filing complaint resolved since showing account paid satisfactorily indicate account day late previously see attached showing account still day late disputed twice second time indicating showing correct information

check servicer misapplied fund totally incorrect account violating every financial regulation specifically check fund principal interest escrow applied specified correct account

app keep track score recently logged saw unknown suspicious account use open name social also saw several recent inquiry seems like person took identity open account trying continue open account name credit ran couple time account inquiry made please take unknown item report

informed banker year approved personal loan item credit pulled credit notice unknown suspicious account please remove fraudulent account report soon possible

submitted police report dispute equifax via fax equifax received confirmed via phone conversation representative disputing following inquiry told would take day dispute according fcra type matter take maximum day demanding inquiry removed credit report immediately already day since submitted information dispute

fraudents account collectons

applied received two credit card orchard bank capital one choose close credit card account documentation last payment showing apparently purchased debt owed understanding statue limitation would debt time barred point disputed three credit reporting agency success still reporting debt damaging credit need resolved tried repeatedly would greatly appreciate help thanks

lexisnexis show judgement report name live city ihave filed dispute lexisnexis since second time sent certified copy judgement police report showing information well copy driver license none information match lexisnexis say second time verified court information correct refuse remove spoke court said inquiry made information related file

decided get credit pulled due couple collection letter continued receive mail never heard place suspected identity reviewed report caught surprise couple thing never opened life thing listed application mine please remove unknown item report

im currently consulting fcra attorney escalating matter next level failed conduct investigation regarding inaccurate late account credit report based fcra counsel review fcra supposed conduct reasonable investigation item presented consumer failed several occasion violation law last request company follow law conduct proper investigation account choose send letter investigate instruct fcra attorney move forward escalating issue contacting compromising social security number victim identity theft contacted federal trade commission filed complaint contacted consumer finance protection bureau

car totaled year still reported credit

month paid auto loan time never late please check eve call say well problem record fault update received update lates removed ive trying close mortgage month need fixed please help

wrote certified letter three bureau remove inacurrate data todate nothing called experian get answer score updated error removed agent said take month make change report need wait escalating know take day get result response bureau help please thanks

purchased cruise paid using chase visa credit card total amount cruise canceled due emailed offer either applying amount paid future cruise full refund chose full refund submitted refund request request acknowledged told would take day refund processed date processed refund contacted chase one month ago report chase dispute department representative told chase would issue temporary credit day contacted investigate yet given refund none fact amount question supplied supporting documentation chase requested chase provided temporary credit stated would provide meanwhile sent email state disputed charge valid would return charging interest amount chase chooses ignore understand validity original charge never dispute never questioned purchase cruise using chase visa issue remains cruise canceled due offered full refund accepted refund offer beyond day originally stated would need process refund chase merchant chase need take care customer give temporary credit told would deal still issued refund cruise canceled instead chase done renege promise give temporary credit amount paid plus closed claim declaring charge valid course charge valid validity charge never reason contacted chase issue merchant holding money hostage refuse issue refund

home loan transferred ally bank still heard nothing ally bank regarding mortgage payment new servicer make payment online provided loan ally bank reach anyone phone number find ally bank automated line ally bank state payment overdue ally bank attempting collect debt suspect may fraudulent activity part ally bank

due covid took forbearance month attempted get deferred repayment plan company new shellpoint mortgage company yet forthcoming communication whether repayment option selected accepted constantly rerouted voicemail subject robocalls letter saying much owed human interaction help consumer know whether approved furthermore getting feeling time wasted potential defaulting mortgage almost day feedback secondly yet disclose option available second property term repayment plan option still unaware option available use repayment getting runaround never received one call promised company whole forbearance covid period disappointing honestly feel like someone purposefully trying get default frame unwilling trying pay lastly website expedite thing fill additional form get faster service worked poor