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company lending tree approved loan send money back verification well buy gift card odd reason theyre still unconventional method receive fund still havent received fund believe company fraudulent

well fargo bank take inbound money transfer allow outbound small limit larger account transfer large fee

nc may concern request block unauthorized collection account inquiry credit report fcra victim identity theft account service established using personal identification without authorization information listed appears credit report result identity theft affected account listed contact credit furnishers listed proven account belong since closed account system however account still remain record active valid mismanagement account information unprofessional data furnished continued wreak havoc financial life presented numerous challenged family urge remove invalid entry without prejudice must provide documentation accuracy remove immediately without prejudice xxxxxxxx acct acct acct acct also listed several addressed associated company apparently practicing reporting inaccurate information listing address consumer report never lived address ever lived address need removed report immediately nc nc nc xxxxxxxx xxxxxxxx nc sc nc enclosed ftc identity theft report showing fraudulent item continuously contact equifax via cfpb investigation continuous ongoing avail demand remove block information report question appreciate prompt attention matter await reply sincerely

first time ever encountered identity theft pulled credit many fraudulent account belong find name social security used open account also trying file tax consultant informed social security number already filed please remove unknown item report soon possible

loan bank made one payment late since inception loan curious uncertain bank placed account forbearance agreement second bank rental investment attain sustenance decision part hampered ability request apply loan favorable rate stained credit report american keeping economy going time yet treated like yesterday dirty laundry saddened say feel bank mishandling pandemic aiding economy moving forward please assist u

credit bureau reporting public information inaccurate asked verify method investigation refused also asked remove derogatory information address incorrect remove account mine

seen change account filed last month still see multiple day late mark clear violation right fcra company never responded attempt obtain proof documentation prove account reported accurately

since son trying take loan federal law copy loan joint tenancy still want play game also violated law copy attached organization put law say probate according state colorado law way property titled clue refuse work u law agency put place understanding basic concept law except break

account paid full late time year agency wont remove inaccurate negative item update account paid

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 acct opened balance account xxxxxxxx acct opened balance account auto account acct opened balance account collection account acct opened balance account

charged following interest past several month charged even though paid full balance account contacted customer service told interest charge refunded since previously interest fee reversed however srca interest administration error later fixed completed paid full balance account

transunion website offered credit reporting service credit report requesting credit card information verification purpose state would charged much signing received email receipt charge authorize allowed cancel membership refund unauthorized charge

account listed reporting inaccurately credit report violation federal law required fcra copy original creditor documentation file verify information mine correct investigation account paid full charge listing reporting inaccurately provided copy original documentation required section section consumer contract signature section fcra required promptly delete information verified reported inaccurately law noticeably clear civil liability remedy available negligent noncompliance section fail comply litigious consumer fully intend pursuing litigation matter enforce right fcra demand following account verified deleted immediately

filed unauthorized transaction claim sent everything asked day later havent gotten money back even single update email sent told resolved maximum calendar day let state day money gone single thing even updating dispute legal time frame fdic given please help want money back

notified experian invalid account credit file federal law fcra guideline section requested experian account name surpassed day investigation period yet receive response experian violation fcra section

key bank called told overnight card ut month refused bank stole refusing send working card asked card still card

contracted equifax several month regard ab collection account showing credit report name fair invitation home original creditor advised equifax account result someone using name account needed deleted advised information provided sand deleted account however equifax continues report account please see attached information follow bureau deleting collection item

collection account removed credit report credit decreased point credit score increased least point collection account removed credit report

debit card bank america declined checked bank america app noticed atm withdrawal account bank suspended account called bank told debit card take money account said make complain tomorrow since sunday close called monday morning hour minute finally someone answered many question transferred took minute contact someone else question transfer till hour minute filled complain received letter bank america said claim closed called almost hour someone answered said write letter request reopen claim request get atm camera footage mailed faxed request waited till called find status claim hour minute hold finally someone answered said didnt ask escalation claim active transferred someone else minute hold finally made another complain said wait called week hold hour lady said wait might take month answer asked hold time phone said answering service since better call morning get busy since lot complains much people work called take minute talk someone still said wait since told situation money source income itd time bill pay filed hardship note claim today first still money dont trust bank america

contacted mortgage company newrez inquire stipulation term care act forbearance policy given answer satisfied question term repayment told would contacted provided detailed information continued pay mortgage uninterrupted see indication forbearance monthly statement online servicing portal inquiring another entity refinancing mortgage told loan forbearance shocked became outraged newrez taken liberty alter term condition loan without informed consent contacted newrez asked could happen without informed consent response done automatically simply inquired back particular newrez consumer finance practice seems highly irresponsible probably illegal call told forbearance would removed day currently awaiting verification would like know consumer right term condition altered way

sent letter inaccurate unknown thing credit report day received response yet feel like ignored taken advantage regarding dispute section clearly state failure investigate item within day give reason immediately remove item credit report day promptly deleted really caused lot stress strain demand account deleted immediately file litigation information also impacted data breach may gotten hand wrong person

chase randomly closed account explanation nothing went log said account locked call called said closed say anything research time people

reapplied one account show credit file closed late payment account info hover label detail account number account status closed date opened account type credit card revolving term balance credit limit

sent letter regarding account incorrect reporting false information credit repot today day issue resolved know thing moving slow whole covid pandemic time feel like taken advantage dispute ignored section clearly say failure investigate item within day give reason immediately remove account credit report day since brought attention deleted promptly demand account deleted immediately seek legal representation due stress causing made aware information impacted data breach may gotten hand wrong person also lost wallet notifeied credit bureas

paid capital one credit card full charged interest balance tried several time call stated charge interest balance previous billing period charged month interest paid full next last call woman stated could waive charge due covid last time call person barely spoke english hung tried call back one would answer phone today looked see responded letter found charged interest interest frustrated huge company idea charge interest balance bill due small child used income tax pay debt longer walmart capital one card misplaced common practice charge interest account paid full closing account want balance reported credit bureau default struggling keep home pay monthly bill hoping situation resolved paid credit card one charged additional interest paying full please help

struggling company remove late fee account taking care family due hardship history payment always time company indiscriminate without paying attention transaction posted late fee day due date payment due date every month slammed late fee day even though statement closing date every month based simple principle accounting late fee charged put account statement closing date case charging adding balance

reporting incorrect information experian credit report year multiple date last could even find account name since opened instead correcting error day late made report worse changing status day late instead paid full adding another late impossible since loan matured paid full never asked multiple occasion send proof original contract signature proof day late every time refused saying thy ca find cause age account mark credit report affecting score point also contact info different report disconnected formerly az

victim identity theft personal information compromised used permission whole ordeal complete nightmare realized happened going capital one calling collect payment account never used saying late charged max receiving call checked credit report realized information stolen happened going list account either opened consent account mine fraudulently used permission called capitol one bank credit card spoke person fraud department credit department guy named never forget call stressed still clue le even happened guy thickest accent ever heard yet regular name immediately thought alias something point trusting anyone well conversation explained situation man said quote people stupid parent spend credit card ca afford absolutely disgusting offensive even though apply still rude showed total disregard situation gentleman went say nothing could capitol one always get paid one way another asked mean simply said know soon enough bizarre sure joking remember thinking maybe understand joking accent definitely proceeded say way could see getting capitol one suing filing type legal judgement lien filed bankruptcy said lowered voice kind whispered low tone time felt like trying help believed telling truth shortly financially ruin able work could figure way fix could remember capitol one told file bankruptcy really want wanted exhaust option filed police report document theft month forward progress credit ruin decided option decided get able settle debt comprised account charge mine learned supposed fill identity theft affidavit bring police station get signed since filed police report send credit bureau documentation back claim organized made sure documentation order submitted relief almost every thing supposed removed removed except account part account either opened fraudulently used fraudulently part identity theft paid zero balance fact still credit report reporting negatively ruining ever chance restoring life finance identity theft tried removed written disputed bureau directly creditor keep saying accurate incorrect absolutely impossible accurate submitted document proving wise since much time passed violated new york state law state collection account charge account type closed account remain person credit report year date first delinquency instance year mark account must removed consumer request since tried past also since requested removal based fact new york state resident thought company capitol one bureau operated followed law like able realize violating law decided remove right away fact total disregard right put place fcra protect million people un fair unlawful practice like please help situation last thing afford right hire lawyer take legal action lost much already get resolved quick continue lose much much long run account referring capitol one account card account information account number listed account opened first delinquency account opened first delinquency account first delinquency account opened first delinquency see look date required law remove immediately thank helping

contacted authorize make inquiry credit report send proof authorization delete

pnc allow connect checking account financial

monitor credit report received alert credit reporting bureau collection account added report company name financial data system showing account stating debt came never heard company financial data system unaware company amount debt origin therefore debt validated fair debt collection practice act fdcpa alleged debt validated additionally allowed health insurance portability accountability act hipaa protect privacy medical record third party recall giving permission release medical information third party complaint validation debt hipaa authorization demand financial data system provide copy signature provider service release information demand financial data system delete credit reporting debt validated reporting debt credit bureau prior allowing validate may violation fair credit reporting act allow seek damage collection agency please delete collection account cease collection activity

name mine request processed online experian maintains name variation reported u creditor complete record reported protection name typically disputable online please contact u information name id number report number request processed online experian maintains name variation reported u creditor complete record reported protection name typically disputable online please contact u information name id number report number address right tx single family tx single family tx apartment complex tx single family tx single family tx apartment complex ny apartment complex tx apartment complex addrs tx ia single family ia apartment complex tx single family tx apartment complex tx single family tx single family tx single family tx multifamily tx single family tx single family tx apartment complex tx multifamily tx single family tx apartment complex tx single family tx single family tx single family tx apartment complex tx apartment complex tx multifamily tx apartment complex tx single family sen wrong ssns show tooltip button variation displayed select many apply wrong number ftc violation spouse spouse select many apply employer wrong

transunion failed properly investigate verify negative account credit report delivery multiple letter last letter sent delivered gave day plus yet respond send updated credit report transunion also shown evidence verified negative account

thursday received call mother law received several call number looking locate lady phone said processor looking service debt owed refused give name company mother law hung immediately called thinking ex husband mother year order protection ex husband trying locate asked number lady called tried calling number rang go debt collection company thought test ex husband trying find immediately thought safety jeopardy two hour later number called work phone twice could answer customer called answered lady called mother law several time started saying shes trying get contact thats shes processor trying service would address verified two hour call discus debt call back address verified come home immediately called guy name got phone said defrauded cash store taken court unless take care whats owed right explained never defrauded cash store explained paying loan fell financial difficulty especially said well need pay something today surviving dont money pay debt kept saying dont money right said well see court good luck court looked letter received cash store week prior state debt sold really started thinking safety jeopardy ex looking processor lady called work number twice cell phone still working couldnt answer called work number answer said talk said yes explained company extremely rude giggled said said well ask surviving cant pay debt completely pocket laughed said well proceeding court action still work said worry child working said yea know lot child said shes contacting hr home hour serve felt threatened extreme safety concern past relationship man sent prison many year year order protection immediately told kid get inside locked door

daughter private student loan cosigner elected monthly interest payment plan still attending school daughter sent home school due unable work decided file deferment student loan payment month began receiving correspondence deferment period loan would go back repayment repayment detail reflected amount interest also reflected repayment amount total loan repayment status contacted firstmark company serf loan error told new trying figure thing asked could patient assured would begin repayment amount reflected interest understanding agreed patient worked kink received first repayment bill due high amount reflect interest called corrected paid interest owed assured worked would resolved next billing statement bill wrong reflect correct amount requested speak supervisor going back forth supervisor able see error adjusted account assured issue would corrected submitted expedited request cycle receiving incorrect bill repeated monthly still continues today reassured numerous occasitions issue would corrected expedited told speak anyone supervisor also told supervisor done job supervisor assured would sent collection daughter received first call collection department received call contacted indicated one called record account delinquent meant issue resolved nothing could assist daughter received second collection call call resulted making repeat promisary statement repaying delinquent fund firstmark daughter mile away school severe due contacted firstmark told fixing account however nothing could stop call needed deal today receiving bill incorrect repayment amount well late charge fund late fact missed payment payment loan covid deferment informed would added end loan repayment schedule would extend loan monthly payment equal monthly payment deferred experience affected daughter mental health

victim identity theft due corona virus pandemic facing sitting still home saw recent news multiple data breach decided look credit report major credit bureau found someone used identity idea theft took place also knowledge suspect receive money good service result identity theft contacted credit bureau told file identity theft report appreciate effort getting matter resolved thank please let know need information block information credit report thank

upon checking equifax report multiple unfamiliar inquiry reporting account ive already sent document disputing inquiry received response saying inquiry factual defense responded document asking equifax immediately initiate investigation inquiry credit report determine authorized inquiry accordance fair credit reporting act also asked equifax provide detailed review investigation lead result inquires deemed factual failed

block except otherwise provided section consumer reporting agency shall block reporting information file consumer consumer identifies information resulted alleged identity theft later business day date receipt agency appropriate proof identity consumer copy identity theft report identification information consumer statement consumer information information relating transaction consumer b notification consumer reporting agency shall promptly notify furnisher information identified consumer subsection section information may result identity theft identity theft report filed block requested section effective date block c authority decline rescind general consumer reporting agency may decline block may rescind block information relating consumer section consumer reporting agency reasonably determines information blocked error block requested consumer error b information blocked block requested consumer basis material misrepresentation fact consumer relevant request block c consumer obtained possession good service money result blocked transaction transaction notification consumer block information declined rescinded subsection affected consumer shall notified promptly manner consumer notified reinsertion information section b title significance block purpose subsection consumer reporting agency rescinds block presence information file consumer prior blocking information evidence whether consumer knew known consumer obtained possession good service money result block exception resellers reseller file section shall apply consumer reporting agency consumer reporting agency reseller b time request consumer subsection section otherwise furnishing reselling consumer report concerning information identified consumer c informs consumer mean consumer may report identity theft bureau obtain consumer information regarding identity theft reseller file sole obligation consumer reporting agency section regard request consumer section shall block consumer report maintained consumer reporting agency subsequent use consumer accordance provision subsection section identifies consumer reporting agency information file consumer resulted identity theft b consumer reporting agency reseller identified information notice carrying obligation paragraph reseller shall promptly provide notice consumer decision block file notice shall contain name address telephone number consumer reporting agency consumer information obtained resale e exception verification company provision section apply check service company acting issue authorization purpose approving processing negotiable instrument electronic fund transfer similar method payment except beginning business day receipt information described paragraph subsection section check service company shall report national consumer reporting agency described section p title information identified subject identity theft report resulting identity theft f access blocked information law enforcement agency provision section shall construed requiring consumer reporting agency prevent federal state local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter according fair credit 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

dispute problem line unless agree term condition mean accept investigation exist response company certification always accepted credit reporting agency big three invoke right none waived ever tried put consumer statement removed

continuation previous complaint freedom repeatedly justified credit inquiry providing letter via freedom record signed loan officer stating gave verbal authorization second credit inquiry letter lie never gave authorization verbally form ever record show repeatedly provided email transcript specifically told month prior want credit pulled second time pulled stated another email would second inquiry removed credit report within business day record also display text conversation immediately inquiring credit pulled alerted stating would look pulled without consent obviously give consent aware seen text conversation day

lease amount paid full incorrect information shown credit report need information updated bmw credit report

initiated dispute stating payment history account incorrect bureau reporting late payment incorrect per automatic stay required make payment time several dispute come back verified subsequent request verification information gone ignored damaging effect credit history ability obtain mortgage loan requesting immediately corrected

month trying get mortgage company flagstar bank release monies insurance company pay bill encored restore property due glass fire happened amount given bill canceled check paid say first draw requested inspection one week ago one called ive let twice additional bill submitted one contractor signed form conditional waver lean amount flagstar bank called recording left message stated need another waver lean estimate damage amount would mean contractor signing right away willing know law believe illegal practice money get rebuilding another way study outbuilding landscaping destroyed building pool house putting money called flagstar bank today recorded conversation permission able get supervisor always believe time tried via phone several time via representative said need lean paper signed asked send via never happened asked demanded several time release first draw pay contractor change rule time please help thank

figured mistake report kindly ask help recognize account requesting delete information credit report connected account like absolutely account definitely mine know item ended upon credit report please kindly ask take appropriate action

credit card opened name kay jeweler open card make charge card opened kentucky live illinois called kay jeweler xxxxxxxx manages card made submit fraud claim fill paper still denied claim currently taking fraud call due covid killed credit score

bill go reached company said saw payment try come bank rejected never notified rejection gave late payment get mortgage mark credit company help unfair situation

opened several business checkings account bank america new business starting expected able receive bofa business credit card application number given fund deposited checkings given excellent personal credit history bofa denied credit card request shut ability customer call appeal customer service line number allow speak anyone effectively lock paying multiple fee maintain checkings account even though absolutely allowed use bofa credit card would allow fee waived essentially erected wall around ability appeal decision unfairly locked paying fee

opened saving account credit karma transferred dollar deposited dollar another dollar money came main account balance also reflected saving account went withdraw money told could withdraw cent contacted credit karma online chat dont phone number customer service told need contact bank help

back lost wallet personal information inside think much went get new social security dl continued everyday life never issue couple day ago decided pull credit continued get suspicious letter mail looked report shocked number item opened name suspicious item mine contacted ftc local police behalf please remove report card u dept company inquiry

xxxxxxxx ga letter remove inaccurate credit information may concern received copy credit report found following item error letter formal complaint inaccurate information list credit report information credit profile damaging effect credit standing doubt aware credit reporting law ensure bureau report accurate credit information inclusion inaccurate information mistake either reporting creditor part mistake credit report wrongfully denied credit highly embarrassing negatively impacted lifestyle following information need verified deleted credit report soon possible xxxxxxxx xxxxxxxx tx letter remove inaccurate credit information may concern received copy credit report found following item error letter formal complaint inaccurate information list credit report information credit profile damaging effect credit standing doubt aware credit reporting law ensure bureau report accurate credit information inclusion inaccurate information mistake either reporting creditor part mistake credit report wrongfully denied credit highly embarrassing negatively impacted lifestyle following information need verified deleted credit report soon possible transunion llc pa letter remove inaccurate credit information may concern received copy credit report found following item error letter formal complaint inaccurate information list credit report information credit profile damaging effect credit standing doubt aware credit reporting law ensure bureau report accurate credit information inclusion inaccurate information mistake either reporting creditor part mistake credit report wrongfully denied credit highly embarrassing negatively impacted lifestyle following information need verified deleted credit report soon possible

submitted letter credit bureau still nothing inquiry truly haunting im trying buy house following inquiry report mind credco please block remove report tried everything

hunter warfield debt collection agency attempting collect debt truly owed multiple attempt clarify situation client received indifference lack action correct situation hunter warfield collecting behalf co brother renting terminated lease early landlord failed repair serious sewage issue violated colorado state law lease agreement despite contract violation charged early fee sent hunter warfield collection attempted clarify situation phone writing hunter warfield however hunter warfield refused consider veracity claim additionally disputed claim three credit agency remove claim credit report despite providing written documentation proving claim inaccurate sad unfair credit agency automatically side collection company proof claim provided copy contract written communication proving debt collected

still reporting balance report reporting balance report first time caught reporting illegal thing report first late pay incorrect balance card paid reporting bureau straight violation fcra

every single credit bureau listed incorrect old outdated personal information file following information reported name address co employer name deleted old address pertain right deleted old employer pertain right deleted failure delete correct requested information result legal notice attorney matter

added derogatory mark credit report per transunion however quickly updated record requested found never late payment upon research account part lawsuit found fault policy allowing dealer increase markup consumer interest rate paying dealer markup policy lacked adequate control monitoring result found markup policy resulted american borrower paying auto loan similarly situated borrower american also feel reported payment late right awarded affected ethic never late payment therefore asked payment history corrected reflect payment history written form communication contract signature accused late payment bill without signature validate payment late anyone could change date payment received another date according fcra violated right consumer requesting legal action update payment history immediately

account please remove

disputed account many time yet recent proof account belong need remove

purchased new financed honda financial service older male dealer final transaction within week noticed loan additional charge preferred protection plan ppp ask went back requested additional charge removed deceitful man told pay later repair adamantly requested additional charge removed loan fill cancellation request form made copy couple month later still see fraudulent charge still added loan called honda customer service told get back soon possible couple month ago still paying interest loan additional charge called honda financial service said cant help end long time removing extra change please request assistance make right thank

received notification change credit report checked credit thru found enhanced recovery reported collection called company number listed report number stated voice mailbox full research found another number spoke desk asked stated amount stated went delinquent sent collection advised never received communication enhanced recovery regard debt stated debt thru collection agency enhanced recovery hired asked tried communicating stated called also said never sent mail correspondence admitted record call asked policy regulation regard collecting debt obtained account reported credit reporting agency account day day reported credit bureau asked phone number stated called number supposedly asked even think making phone call sufficient type contact million phone call scam nation daily would provide information stated would send email accept solution problem fact answer valid asked speak supervisor insisted email insisted supervisor transferred agent named id advised situation asked question asked number number calling say unable provide information asked number calling read phone number asked call need date time call phone number called advised information provided contacting phone carrier verifying phone number called date time said able provide information asked never sent written correspondence account day went straight credit bureau asked policy practice regard communicating consumer policy general placed hold stated first attempt since account put dispute information provide advised even first attempt communicate one initiated call asked speaking english answering question willing provide concrete evidence communication willing provide policy placed hold minute said closed account account deleted credit report take day asked letter mail stating stated letter also take day long affected credit score severely

debt collection agency removed collection credit report due dispute resolution date accelerated financial solution another third party debt collection agency placed account collection reported information without prior attempt contact debt resolved removed part due cfpb accelerated financial solution primary business debt collection thus subject fair debt collection practice act accelerated financial solution used predatory debt collection practice attempt collect debt owed resolved hereby request debt removed credit report action taken debt resigned another debt collection agency

company name reporting day late im account transfused next company dont understand reporting negative item report

add hard inquiry credit report per add hard inquiry credit report per jpmcb card service add hard inquiriy credit report per

cfo utilizes unethical act lending practice intimidate take advantage consumer worked daughter secure home loan aware interested refinancing soon email inquired prepayment penalty responded pre pay ever proceeded forward using company never informed either verbally written disclosure would allowed refinance within month otherwise would reconsidered accepting loan moving forward company multiple attempt made requesting assistance refinancing agreed assist failed result forced seek alternate mortgage corporation refinance assistance received notice new lender refinance payoff began truly feel personally threatening multiple occasion phone email agree term used intimidation tactic due lack knowledge first time home buyer would liable prepayment penalty tried coercing either extend refinance loan closing date refinance lending company want deal repercussion truth lending act requires disclosure form borrower includes box lender much check prepayment penalty charged prepayment penalty disclosure abused power saying would charged unless complied retracted statement research confirm prepayment penalty relayed research confirmed obligated prepayment penalty yet changed tactic threatening would file lawsuit business loss damage causing intentional harm already retained counsel threatened hold accountable pay lender every intention working delay closing see alternative help threat mannerism achieving intimidating unethical unprofessional point feel safe comfortable handle refinance utilizes intimidation obtain desired result multiple occasion notify refinance within month try intimidate saying witness notary conversation also witness conversation disclosed would proceeded forward especially confirmation email daughter notify email exchange according closing disclosure obligation pay monetary prepayment penalty fail understand belief ethical harass accept term threat hold responsible early payoff penalty fee business loss damage reason attorney sent email letter represented claim pursued event cooperate avoid damage reach resolution avoids damage cause litigate basis claim tortious interference contract made aware duty time obtained loan made aware specific damage conduct cause implied fact contract contract writing seek recovery earned fee paid directly anticipated conduct knowingly waiving payment third party quantum meruit even acknowledged cost service legal doctrine quantum merit allows recovery reasonable sum money service rendered work done amount due stipulated legally enforceable contract causing third party payment revoked therefore seek direct payment unjust enrichment acknowledged received lender credit lender credit directly provide benefit payment doctrine person unjustly enriched expense another required make restitution following supporting documentation email confirming prepays ever inquired never mention refinance within month email trail initiated requesting refinancing option email trail indicates every intention refinance promised notify interest rate dropped yet failed time opportunity disclose early payoff penalty chose also mention refinance within month late email threatening file lawsuit pursue legal remedy fullest extent law giving deadline following day giving unfair turnaround hr voicemail transcript still threatening lawsuit even response email threaten going forward responded would open discussion handled professional manner voicemail untruthfully claimed verbal witness testify disclosed yet confirm loan penalty contradicted ground lawsuit statement yet still threatened lawsuit agree email letter attorney proceed forward claim proceed forward closing note witness intimidating threatening phone conversation raising voice intimidate included written support summary conversation transcript mentioned last phone conversation stated cost file counsel already said good case promised would cost able recover attorney fee addition already contacted confirmed obligation refinance reason right refinance month period without penalty

fervently demand credit report reflect true accurate information accordance law would like put record following legal name please remove name variation immediately legally accurate name also known akas name alias name middle name erroneous suitable legally binding contract credit account current address al please remove inaccurate address immediately unlawful demand delete social security number last digit unlawful shown file please remove social security number immediately unlawful demand deletion fraudulent account inquiry listed resulted reported incident identity theft fraudulent inaccurate account deleted account reported identity theft fraudulently opened u department edu account reported identity theft fraudulently opened u dept ed account reported identity theft fraudulently opened u department edu account reported identity theft fraudulently opened xxxxxxxx account reported identity theft fraudulently opened u dept educatio account reported identity theft fraudulently opened account reported identity theft fraudulently opened account reported identity theft fraudulently opened xxxxxxxx account reported identity theft fraudulently opened fraudulent inaccurate inquiry deleted reported identity theft reported identity theft reported identity theft reported identity theft reported identity theft dept ed reported identity theft reported identity theft

credit card credit limit equifax showing account credit report

information stolen use open xxxxxxxx auto fn account contact credit company let know account still credit

missed lead whole loan situation carbefore purchase car told owner like car proceeded tell drive car couple day trade back owner getting particular car forge cosigner name paperwork told numerous time like car finally got car drove pretense wasnt going keeping car long transmission slipping told wait till get settlement credit acceptance get another car knowing kind damage would helping took car back told state wreck one family member going drive car going put insurance stage wrecked could put car wanted proceeded stage situation got one family member wrecked car never told anything else put another car two day later two year found went prison fraud like he still

hello loan put forbearance covid everything lock xxxxright end period called lender spoke option repay debt agent kind set one next payed amount needed pay moment instructed waited another month next month came agent phone clue happened said repayment plan going loan also checked confirmed agent submitted payment faculty data background check credit report noticed one late payment reported wanted take profile apparently view missed unfair account pandemic knowledgeable staff company guide correctly situation like want full investigation side sweep account present negative action thank

company agreed remove debt reported auto loan company provided product failed uphold agreement since went business product damaged upon arrival repair cost paid none important documentation repeated attempt obtain bee provided

lvnv funding llc collection reported credit bureau would like removed effective immediately

victim identity theft result homeless physical address numerous account open without permission creditor call harass daily debt explained set mine sent billing info incorrect address explained mine also told credit bureau personal data breached credit bureau still fighting hired credit repair company help dispute new coorporating state willing take settlement know else finally coming guy guidance please believe multiple account placed company cooporating

experienced identity theft reported theft credit reporting agency sent copy police report business effected company trident asset management spoke phone twice received police report time still reporting credit report even several dispute

merchant refunded purchase back citi card amount requested credit deposited checking account citi verified sum deny validity credit yet transfer back numerous request status request even closing account resulted actual transfer checking account promised transfer numerous time day day none promise met causing problem

please advised fifth written request unverified item listed remain credit report violation federal law required fcra copy original creditor documentation file verify information mine correct result first investigation stated writing verified item reported correctly verified account provided copy original documentation required section section consumer contract signature section fcra required promptly delete information verified law clear civil liability remedy available negligent noncompliance section fail comply litigious consumer fully intend pursuing litigation matter enforce right fcra demand following account verified deleted immediately

fraudulent inquiry following date authorize run credit want provide proof sign document stating approve

submitted dispute experian regarding incorrect information creditor credit report illegally opened account reported debt included discharged bankruptcy chapter account included bankruptcy placed collection status credit report another negative status even though account status closed usage balance payment history experian however rejecting dispute result credit score decreased significantly shopping car loan total hard inquires day timeline experian currently listed inquiry separately credit report allow online dispute correct result credit score currently list inquires significantly damaging reflect

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 dp educ

authorize lender check credit fraud authorize mortgage hard inquiry received following email hi refreshed mortgage shopping offer based profile reminder day shop around mortgage hard inquiry without impacting score shopping window lender checked credit check rate without hurting icon housing profile credit score range zip code looking refinance looking new home searched lender network top pick partner fixed interest rate apr nmls id get quote looking option looking mortgage offer check marketplace explore marketplace mortgage inquiry look familiar best identify financial product applied give advice recommendation sometimes algorithm get wrong please log review credit report make sure everything good transaction recognize may sign fraud apply mortgage loan file dispute directly bureau cheer credit karma team authorize lender check credit fraud

tried contact three bureau several time address reporting credit profile invalid part recent security breech involving filed ftc report filed yet still reporting false address never heard credit profile

last month contacted nordstrom regarding late fee charge told charge would reversed relief strict budget made payment month told fee still refunded make minimum payment made payment time thought situation worked however morning received call nordstrom stating owed money due previous late fee charge explained fee reversed customer service representative said still owed money make sense went back forth finally decided pay amount ended call representative said going charged charged late fee understand completely explain happened said new minimum payment would next month said charge jump automatically late however late feel nordstrom credit card service acting predatory manner towards

soc sec dob address fl ar account resolution company violated fcra f f f prohibition sale transfer debt caused identity theft responded request provide investigation report need resolve fair credit reporting act disputed item may appear credit report supported evidence general person company shall sell transfer consideration place collection debt person notified section title resulted identity theft applicability prohibition subsection shall apply person collecting debt described paragraph date notification paragraph rule construction nothing subsection shall construed prohibit repurchase debt case assignee debt requires repurchase debt resulted identity theft b securitization debt pledging portfolio debt collateral connection borrowing c transfer debt result merger acquisition purchase assumption transaction transfer substantially asset entity person furnishes information consumer reporting agency shall place reasonable procedure respond notification receives consumer reporting agency section title relating information resulting identity theft prevent person refurnishing blocked information reference item listed please take matter serious ar account resolution report company form record prepare sue company example portfolio recovery associate llc telephone consumer protection act litigation case district court district california stop collection proceeding signature application account investigator report soc sec dob address fl

account mine name incorrect please remove issue

citi card declined two purchase row heard citi thought odd time past card declined citi contacted immediately asked card fraudulently used stolen contacted citi told suspended card payment day late set payment previously using bank checked bill pay site found accidentally set payment wrong week payment truly day late complaint great customer year pay entire balance every month time administrative error citi even contact clear simply suspended account immediately without recourse called citi find going account automated system informed collection found made mistake payment setup bank ridiculous course cancelling citi account already obtained new credit card telling friend anyone know number already cancelled card well one fortunate people able pay bill trying time need credit ruined simple administrative error never business citi form asks military status section select status closest form actual status

experian investigate original complaint experian sent complaint furnisher usually experian investigation includes arm rule furnishers collection agency must creditor code listed collection agency must report contract contract reported collection agency must report full monthly file presented experian fair credit reporting act must verify accuracy furnisher like license collect michigan state sent experian copy stating one reporting debit experian state account account immediately return point credit score fraudulent collection agency experian let credit report without verify furnisher

transunion file number date show page ever applied requested car loan home equity loan mortgage need show document suppose loan inquired requested document signature loan also filed u attorney well doj company document half show proof requsting anything service

recently received copy credit report found several fraudulent inquiry account credit report opened see attached police report knowledge account open contract bearing wet signature fraudulent signed understand federal law b fair credit reporting act unauthorized inquiry fraudulent account shall allowed placed file unless approved presence fraudulent account inquiry credit report constitutes inaccurate information must removed b fair credit reporting act respondent please following account removed credit file immediately authorize creditor posse signature documentation conveying authorization inquiry loan line credit

request inquiry contact company company see anything file

come attention victim identity theft year collection agency placed collection credit report fraudulent activity contacted collection agency original creditor explained transferred several time felt disrespected customer service representative explaining situation wrong person company unprofessional also sent copy police report also file cfpb ftc inconvenient part

account updated since negative effect credit score reporting account late correct date balance information account inaccurate requesting information removed per fair credit act please see status date account always issue cfpb never anything requesting assistance reach state attorney make sense understand impression cfpb enforce rule law consumer america case nothing never done sued number law breaking action

experian continue place false information credit report despite several dispute time dispute account creditor submits different information credit file updated false inaccurate information item credit file different personal information birthdate however experian refuse remove false account dispute credit history suffered due currently allowed violate fair credit reporting act submitting false information experian support behavior allowing unlawfully raise account balance claim false late payment apparent someone took time read compare information several dispute filed experian keep proper record personal information file correct attempted fix matter yet corrected inaccuracy remain credit file

sent notice debt validation emmett goodman llc debt company claimed owed company failed provide information via telephone email postal service

filed dispute donvenmuehle morage saying day late payment house know pay known behide covid recording prove one check clear bank see dovenmuehle recover check recipe date stamped check yes house bankruptcy granted stay paid court mortgage

since without much help multiple letter sent experian requesting false inaccurate information removed credit bureau report received success ive even told address name credit file incorrect refused respond correct many letter sent requesting removed credit report alleged debt false inaccurate removed put right back credit bureau today constant back forth game willful violation fcra three credit bureau reporting agency item removed put back notice experian removed back violation law put back removed put back removed put back game violation fcra experian engaged defamation character fraud way provided three credit bureau reporting agency copy letter sent certified mail registered mail credit bureau requesting proof alleged debt provided proof since cant provided proof accuracy asked three credit reporting agency provided proof collection agency provided one credit bureau reporting agency provided since shut permanently willful violation fcra

bank america closed branch despite sign referring neighborhood bofa customer website determine open branch none customer service phone wait accompanied recording cutoff communication website email security impossible get one sent document attached impossible determine whether received verification response forthcoming despite multiple attempt contact death certificate short testamentary copy executor personal pa driver license raise cause concern personal information hacking worthy might risk bank america sitting cd needed settle estate era bank apparently hiding behind pandemic avoid payouts customer disservice complaint

transunion reporting incorrectly authorized user xxxxxxxx partial account number please see page attached credit report already called bank let know never gave permission added authorized user account removed account incorrect reporting authorized user harming credit score line item need removed credit report contacted bureau fix issue however successful

mistake sent wrong file attached new file see ineligible chapter bankruptcy tran union credit report denies update file apter tried several intent update file trans union credit report refuse report court said ineligible chater bankruptcy

received notice debt owed amount avant llc included chapter filing discharge contacted creditor phone upon receiving notice alleged debt via mail representative threatened send law enforcement agent resident arrest pay debt feel protected federal bankruptcy law creditor held liable punished contacting regard debt discharged also believe company selling american personal information terrorist group reside territorial region subsequently led file complaint financial crime division dept homeland security

im happy need know removed american account file need physical proof youre able provide information need remove collection account considered verifiable need know one removed immediately

nonstop issue mortgage company since day one taking mortgage first divorced fell behind mortgage payment time spoke several different people got different advice finally month near foreclosure got approved loan modification added year mortgage also requested refinance remove mortgage refuse ultimately got remarried divorced time took month speaking multiple representative get help lost job past issue keeping mortgage current decided time sale property called inquired short sale representative asked lost hour pandemic told yes reason losing job representative told done realtor got realtor called adding account third party behalf could never get answer list called representative sent paperwork fill short sale called affidavit covid forebearance returned called day later told got information short sale affidavit call told would take day paperwork show meantime found different realtor short sale made multiple call trying get packet information required short sale every call told would sent able get information set initiate sale two week went got nothing several phone call told would needed hour happen last time spoke someone one day last week holding minute man told know would sent said would contact someone get expedited u meantime received call mortgage company telling send able complete short sale demand letter expired could foreclose anytime trying proactive foreclosure seems want happen honesty want lose home would like mortgage company refinance mortgage rate payment afford would least could continued issue actually wish could get refinanced reputable company also reported credit agency year please help figuring handle stay home thank

notice well fargo checking credit account open information without authorization permission notice predatory practice bank institution incurred large amount transaction without permission acknowledgment