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sent letter transunion gotten reply either company according fair reporting credit act item deleted

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

writing dispute following information regarding company send collection company name receivables performance management showing credit report disputed send document proof pay last bill never notified receivables performance management writing thy collecting behalf found run credit report collection try resolve charge prior spoke coustomer service many time told credit card company paid bill last payment since switched cellular provider contract paying month month two year never skipped payment automatic withdraw credit card every month keeping tell got pay credit card company told update record send document payment supporting position

identity stolen person last year opened credit card name auto loan several boat loan several police report ftc report file experian use

unauthorized inquiry

original creditor report account update balance every month open balance added fee credit card limit list charge offs disputed many time credit bureau report credit bureau balance correct thought sold collection company supposed tor reflect balance rather listing open balance updating month expressed lead believe intentional illegal activity time portfolio recovery debt collection company report open balance claiming debt disputed account credit bureau updated say current open balance correct fee added account original creditor raised balance account updated monthly balance company claim debt also strange reported payment account think made thus making date delinquency appear newer year believe reporting portfolio recovery intentional abusive illegal resulting appearance excessive listed new charge every month higher ratio well appearance two defaulted account since company refuse correct account information list credit report account disputed account information reporting accurate caused higher interest rate rejected auto loan considered fair interest rate three year debt cycle one hard recover already high fee interest intentionally entrapped three year illegal reporting disputed fact two open balance accurate nothing change called company explain representative say way changing portfolio representative simply mocked

purchased believe financed santander consumer usa attempted make arrangement make payment difficulty making payment willing work car repossessed believe notified public auction whereabouts car provide inventory content car make numerous phone call locate car went get content list content plastic bag already gone get information repossession automobile public sale car provide location public auction entry reported credit bureau repossession successfully removed step repossession followed according ca reported credit report showing balance owed incorrect disputed credit bureau santander renewed date go account santander showing totally different information also removed credit report santander consumer usa horrible company work also harrassed past car calling constantly time per day everyday requested stop contacting done correct get removed credit report soon possible

paid credit card ontime still put late payment report tried year get refuse correct mistake made sad thing also work refuse fix also ran credit four time without permission unauthorized credit pull transunion

victim identity notified collection creditor several time account belong way received good service company provided police report ftc id theft affidavit signed notarized along sworn statement regarding fraudulent account document submitted credit bureau

unauthorized inquiry experian credit report

victim identity notified collection creditor several time account belong way received good service company provided police report ftc id theft affidavit signed notarized along sworn statement regarding fraudulent account document submitted credit bureau

pulled credit report find account reporting never contacted bureau reporting information contacted verizon entity advised account verified accurate part bother account opened year old right birthdate way possible opened account year even legal also inaccuracy noticed please help screenshot attached

filed dispute regard incorrect item credit day received result

sent certified letter sent erc requesting validation debt letter returned delivery since erc refuse accept validation debt letter step taken prove debt purport owe copy debt validation sent erc attached

well fargo placed primary residence investment property care act deferral done without consent approval would allow make payment deferment wanted least cover escrow amount asked pivotal question want pay back past due amount balloon balance onto payment investor took opportunity balloon payment redirect fund investment began making payment according normal schedule well fargo held word account never reported late past due account current problem remark comment section mention account actively deferral secure credit anyone every lender belief mortgage active deferral well fargo responded complaint lender interpreting credit report correctly however every lender interpreting credit report way need comment removed secure credit despite credit score actively making payment please note attaching documentation fundamentally documentation attach complete form deferral receive anything saying deferral nothing provide

soc sec dob address fl attention dispute department today date serf notify inaccurate information credit report per file sent letter via registered mail purpose formal escalation appropriate court law need arise recently denied application mortgage car loan credit card health insurance employment florida ddupon closer look due inaccurate information credit report mine florida id social security card stolen disputing charge proved fraudulent account also included copy police report unnecessarily embarrassed oversight part maybe credit reporter part erroneous information degrading defamatory also damaged good credit standing prevented something badly needed caused much stress affected health short quality life negatively affected inaccurate information credit report detailed follows fi dp educ dp educ dpt edxxxx soc sec dob address fl

credit card chase bank ending used billing period time united state tri state area fo new york new jersey devastated pandemic corona virus covid thousand new york new jersey resident died still dying regular activity school busissnes paralized bank closed branch service pandemic due emergency order fear death quarantined house taking care sick relative child learned financial institution including public utility company state federal goverment company provided payment relief especially mortgage student loan credit card payment penalty charged bank went public offering relief relief calling costumer service line called line hour waiting several time realized impossible get help chase local branch personnerl unavailable chase failed provide billing statement mail email despite chase closed providing limited service costumer made payment nearly impossible bussy runing scam charging late fee mine consumer account pandemic service available including covid help line filing several online billing dispute chase date responded billing dispute closed account adition changing montly minimun payment amount added late charge part scam coronavirus victim finally able speak chase representative service useles unable provide correction unfair dishonest busisness practice offered reduce late payment appears commited pressure generate income chase regard wether legitimate acknowledge bank closed phone service nearly unavailable billing mailed insist payment made regardles position dishonest failed day ware unable provide basic service obligated contract therefore chase breach contract chase claim relief available acknowlede available phone online called phone line unavailable online option showed option unavailable reported account delincuent credit bureau without ever mailing bill neither attemting help contact date account close legitimated charge including legitimate interest charge payed made several dollar payment chase good faith payment pending billing dispute resolution chase date refuse acknowledge several online submited billing dispute order run scam added disputed late fee charge minimun monthly charge charge dishonest unfair chase abuse position bank billing party self serve greed charging planed scam legitimate amount failed provide billing dispute billing review refuse bullied bank legal record dishonest busisnes practice steal ruin credit history therefore take legal action see action bring chase compliance fair busisnes practice comply law contacted chase representative agent contacted chase supervisor name

equifax refuse update credit card balance owed continue report balance updated account report balance owed time ago made numerous request equifax make appropriate correction refuse account number phantom account

received attached transunion today form letter passing buck word dont mean anything simple care expect transunion live word follow requirement reporting act fcra national consumer credit reporting agency role dispute process review accuracy completeness disputed item mean shuffle paper pas buck feel like done job received attached made complaint allowed car fraudulently purchased name permissible permission access private information credit report led fraudulent forged loan denies wrongfully denies forgery deny permissible permission led fraudulent loan refuse submit valid permissible permission together dated credit report evidence permissible permission simple refuse transunion request validate information nothing get done fcra prevail dodging transunion shuffling paper sitting cubicle pushing button dealing year loan together car purchased fraudulently time dropped long ago professional educated company complaint directed towards transunion transunion sends complaint hear programmed response complain fcra requirement never prevail asking person transunion reading request permissible permission credit report review accuracy completeness disputed item fcra copying simply delete labeling duplicate yet address one request complaint

received notice owe paragon collection agency contacted paragon collection agency said information account transferred attorney said information name contacted paragon back said ca help attorney getting answer continue get statement want know bill get paid need removed credit

applied application ppp loan within hour offered submitted application application received application received continued email well fargo indicating place queue get place offered application well indicated consider applying elsewhere called bank requirement business checking account kind credit business checking account well apply elsewhere believe defrauded well offered product provide please let know anything get loan thanks

collector refuse remove account credit report amount dollar owed dollar line credit paid full name creditor credit report time payment sold information appearing creditor credit report could pay original debtor directly account personal information sold back delta outsource group notorious false collection practice like sending court document previous address defendant show court violate statute limitation law creditor currently showing negative credit report

first time ever encountered identity theft pulled credit many fraudulent account belong find name social security used open account also trying file tax consultant

law right formal investigation performed outlined fair credit reporting act perform investigation remedy file lawsuit enclosed police report filed identity theft affidavit please investigate remove account credit report refer matter attorney take immediate legal action constant judgment awarded certainly demonstrate court tolerate bullying made lawful request verify report credit file respectfully suggest complete investigation within time period allotted law event able verify report supply name company address company phone number person verified report full complete report method used perform investigation dictated fair credit reporting act please advised failure complete investigation compliance law may result legal action victim identity theft fraud idea account never opened account please review remove soon possible 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

since summer trying fix problem student loan university administered loan payment showed transunion credit report disputed transunion payment history information balance incomplete inaccurate dispute submitted successfully le hour transunion responded saying deleted account credit report caused serious problem able fix even though confirms reporting payment transunion monthly basis transunion say add account back even though deleted account without request credit significantly affected plunged credit history floor thus lowering credit score significantly evidence showing account exists mine transunion report evidence reporting information transunion account deleted never restored since really need get solved negatively affected lowering score limiting credit option

hi need help victim identity theft ago thief used information obtain credit name fought several time year recently account credit report never done business called last month sent letter credit bureau fight account mine know happened never heard back everyone know tell supposed hear back day account supposed fall report day want account fall report mine thank

filed complaint proposed stipulated judgment federal district court indiana alleging provided substantial assistance ixxxx engaging unfair act practice operated filed bankruptcy ceased operation complaint alleges actively involved creation implementation loan program complaint alleges induced student take loan variety mean knew reckless knowing many student borrower understand term condition loan could afford saturday announced student loan cancellation benefit offered former dollar debt forgiven agreement reached part deal consumer financial protection bureau cfpb state attorney general different state student cu connect cuso company distributed managed private student loan

receiving current copy credit report discovered entry identified inquiry qualified deletion report

field enough option adequately start process revmd partner showing debt high impact credit report sent check cleared bank account showing paid credit report call met generic answering message

lost debit card also need make least internal transfer phone min closer anything accomplished pretty sure even missed call police around

debit card company direct express handle ssa fund allowed fraudulent charge pas reported company day ordered new debit card wait business day pending status close keep mind already removed total company withdrew called located debit card transaction line ridiculous hold usually hour usually get hung closed redeposited however allowed company thing old debit card took new refuse give address write hardcopy letter directed many site regarding fraudulent debit card activity would also allow file complaint law enforcement told must file report sending packet must complete said would arrive within day arrived information due day know turn honestly need returned ca even buy medication necessity present fiasco please help

withdraw money account send money friend started get error message server error try log account also try withdraw money atm get error code

purchased home conventional loan recently sent letter mortgage company requesting private mortgage insurance pmi cancelled received letter saying request denied current value ltcv ratio explain feel inaccurate never missed mortgage payment delinquent payment year house called company today told ltcv basing appraisal refinanced explained based original loan appraisal top know fact house currently valued told real estate agent thought selling house real estate value area gone even told mortgage company case also pay new appraisal prove home worth know necessary actually go correct original appraisal let alone going current real estate market value outstanding principal balance currently stand actually ltcv ground u case pmi cancelled mortgage company servicing company loancare complaint feel mortgage company forcing pay new appraisal expense order pmi cancelled unfair homeowner protection act allows pmi cancellation someone reached ltcv payoff original loan great payment history like

hello ongoing issue covid reporting erroneous information credit bureau since aware disaster told would reporting payment received late due covid employment shut office closed since however payment current month whereby ran road suffered injury totaled vehicle due wheeler hitting u stopping highway notified inquiry made insurance company payoff amount addition adjuster contacted friday get correct statement tax sale vehicle paid fee insurance company settlement monies going therefore received payoff notified updated last week reported late day payment maybe transunion well check like couple month ago want information removed immediately bureau impacting credit score information reported correctly fdcpa standard

didnt authorize loan tried contact company drive closed turn

sent letter regarding inaccurate unknown thing credit report day day later received response yet failure positively verify account hurt ability obtain credit

capital one stated reported account fraud closed account access account online waited two month send paper stating bill payment behind reporting opening account back due fraud fraud account responsible account hurting credit point reporting past due waited two month send anything account past due letter issued issue ongoing since sent paperwork show identity capital one telling ca reopen account closed fraudlent account want late payment removed credit report want another account capital one pitful experience dealt company reported reported showing report account end

sent transunion several letter reporting unauthorized inquiry made report proper legal procedure taken letter reporting company delete innacurate reporting without success following inquiry made without authorization consent tranunion

call regularly least per weekday variety phone number one harassing number blocked almost never leave voice mail message refer using maiden name used legally year owe debt call pure harassment received mailing email proof whatever debt alleging owe recent call various number include

date amount action taken asked authentic contract application created debt entitled see evidence investigation includes authentic contract application created debt

experian today received another experian new alert stating new usage one credit card score went remember credit score company last week told credit usage insufficient raise credit score charged item credit card increase usage showing report usage read page credit card usage add usage lowered credit score wrong people tell charge score go charge score go wave length big problem credit bureau

complaint regarding old account amount account first reported credit report equifax agency far back earlier account removed credit report agency seven year however discovered account reappeared credit report immediately disputed reappearance account credit report action taken two agency month later repeated dispute still response action taken please question whether transunion equifax agency report account type first initial seven year reporting

understand settlement involving santander consumer usa believe victim car since im still trying manage high payment got car repossessed low payment able reinstate loan high reinstatement fee initially walked dealer ship went former friend possible needed table turned towards offered loan

pulled credit first time year derogatory item mine including many inquiry able list application account fraudulent need deleted please remove unknown account name

credit inquiry unauthorized need removed credit report immediately

went store store located ga phone number applied wireless phone phone number left store phone received account created began receiving bill wireless service although wireless phone service called store locally national headquarters numerous time avail collection account credit bureau need remove cease desist collection order sunrise credit service contacted legal service suggested contact cfpb thank wonderful service provide american people u government public servant

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

submitted dispute letter equifax notifying account belong yet receive response credit report bureau violation consumer right failure comply federal regulation credit reporting agency investigated federal trade commission ftc see usc et seq disputed item entirely inaccurate represents serious error reporting

never received letter indicating collection tried sending fax claim receive

found multiple fraudulent credit card charge notified cc citibank issue got issued new card thought everything fine receive letter saying would credited chip card would possession lose card let anyone borrow card authorize anyone use card still card possession simple search new research detailed method bypassing emv technology monetize supposedly secure card method cloning leverage information one technology emv chip convert another technology magstripe allows fraudsters rely familiar cloning technique test theory chose card bank u issuer country researcher harvested data four card created cloned magstripe card data successfully placed transaction indicates technique already use among cybercriminal underground seen respective breach exposing compromised card emv technology may changed underground market cp record cloning opened door cybercriminals sidestep central security feature emv chip channel new source cp card back underground cp market cloning dangerously effective policy review higher verification standard card provider financial institution close security gap method exploit restore security integrity emv chip chip credit card hacked sense mean criminal ca use merchant chip reader emv chip card enabled contactless technology could also risk nfc chip credit card hacked many charge place never shop well multiple gasoline day town also filling gas multiple time day third time year happened cc card company said chip unbreakable made charge going pay something made card someone one make customer company since year x x dollar business treat never missed payment carried balance use heavy business usually charge month think angry get add insult injury many charge could since entire family home talked bank issued block auto pay point decided corrupt company wife separate account going stop using card

please process following request specialized loan servicing correct outstanding issue relating misapplied monthly payment loan transfer past due balance correct misapplied payment current payment loan transfer remove late fee relating misapplied payment remove late payment credit report credit agency stop excessive collection call mailing invalid delinquent notice correct year date ytd interest principal paid account online complaint request correct misapplied payment relating loan account transferred incorrect past due balance debt valid monthly payment per loan supposed applied part principal part interest made correction per response letter dated stated outstanding correction specialized loan servicing must payment missed loan transfer credit report credit agency corrected showed payment current made time following payment related misapplication applied principal applied principal applied part principal part interest applied interest attached following supporting documentation relating issue response letter dated showing correction made loan transcript credit reporting agency spreadsheet showing correction made ytd interest principal paid bank statement payment activity showing payment made payment missed report showing specialized loan servicing showing payment history sample collection call received specialized loan servicing recent delinquent notice received mail dated list previous online complaint filed resolve past due issue please make necessary correction account process list request mentioned thank

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 acct opened balance account

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

recently refinanced mortgage account first payment scheduled happen aware automatic payment already set account initiated manual payment side month resulting overdraft account additional payment called customer assistance number supposedly helped correct error clear informing exactly trying resolve problem instead helping correct error additional payment reversing corresponding overdraft fee reversed good first payment already posted account resulted reporting credit bureau never received first payment late day saying mistake side instead suggesting mistake requested reverse recall calling supposed know system work better assist advise instead washing hand right saying nothing else help eliminate error credit report attachment includes detail see account showing payment reversed instead

submitting complaint request cfpbs agency help maybe chanel listened american express committing multiple violation fair credit reporting act california credit reporting act want mention reporting incomplete information failing investigate account negligence breach contract please forward american express attached document thank

use cash app service using app accidentally loaded cash app reversed immediately authorize transaction tried sending money back charged fee tried reaching team cash app via direct message told would reverse fee attach screenshots conversation mention contacting cfpb dismissed agency

hello submitting complaint seek help dealing credit reporting agency experian credit report showing account charged still showing balance account charged status still reporting current late payment common fcra violation creditor post late payment debt charged past due balance documenting violation credit reporting agency notified violation completely ignoring issue caused unfair credit rating quality life asking please help resolve matter experian create lawful fair reporting credit report thank

received phone call first national collection bureau saying owe debt credit card debt used threatening word saying failed appear court attempted served time wrong name asked personal question nothing debt asked speak fraud department numerous time well asking manager give number continued use threat fta arrest gave supposed court docket number accurate looked public judicial site state hoping get assistance issue hopefully help others may going something similar

sent email cash app asking account unlocked money account cant use locked sure submitted request unlocked received general email request support say would receive email within hour heard finally asking additional information help account sent required information asked back eight minute received email still heard anything yet today want money

death family recently missed payment date day called request courtesy waiver late fee told late fee waived back make ineligible another wavier month complete lack customer service comenity bank especially pandemic ridiculous exception standard operating procedure time mention care customer lost loved one organization thriving bleeding customer dry

responding collection listed credit report recognize claim please provide written documentation validate purported debt itemized statement showing amount claim owe copy written agreement promissory note signed relating purported debt agreement creditor authorizes collect alleged debt agreement bearing signature stating agreed assume debt valid copy debt agreement stating amount debt interest charge complete payment history account along accounting additional charge assessed show licensed collect state license number registered agent office fails reply debt validation letter within day date receipt instance related account must immediately deleted completely removed credit file moreover future attempt collect said debt must ceased request also construed absolute waiver claim enforce debt implied agreement compensate court cost attorney fee forced bring matter judge thank await reply

four month ago notified credit bureau account belong well day gotten response type update feel like taken advantage credit bureau ignoring dispute section plainly stated failure complete investigation within day ground account automatically deleted credit report day actually account deleted credit report immediately demand account deleted may file litigation stress caused life information also part equifax data breach know using information

unknown hard inquiry credit report im requested verification inquiry method verification add hard inquiry credit report per contact information reported creditor american honda finan add hard inquiry credit report per add hard inquiry credit report per contact information reported creditor company provide following proof permissible purpose written authorization proof personally initiated inquiry

victim identity theft tried numerous time negative fraudulent account removed credit report sent police report identity theft report bureau alos sent law year negative account must removed reporting charge fraudulent account opened knowledge please remove negative item creit report

used bill pay service make payment posted capital one account without explanation payment reversed attaching copy document showing made payment

hunter warfield inc idea account acting give notice fraud responsible charge call nothing

writing letter erroneous information file disputing account sometime demand comply conform taking legal action soon possible

trying get updated info year long one item credit report account paid full back still reporting negative one say

contacted three main credit bureau individual debt collector debt credit report familiar three credit bureau responded account verified could tell verified information documentation provided verify negative account contacted debt collector directly via letter sent usps phone none sent documentation showing account provided account statement showing debt fraud taken place throughout world asking documentation showing debt mine account statement indeed mine able provide information contacting attorney order move forward lawsuit sending another letter via certified mail company involved account removed original documentation provided move forward legal process

made payment posted best buy credit card noticed recently checked credit report made best buy credit card payment card reported closed three credit report called numerous time try get hold customer service best buy able get hold actual person three time unable explain inform card closed kept telling call back even though aware many time already called informed impact would credit score difficulty getting speak anyone

reporting inaccurate information account wrong balance status file

reporting debt received notified still show transunion closed balance owing used conduit payment instead exposing bank account credit card prevent fraud one account paid completely leaving overpayment stated balance account disappeared record never used extended charge afterwards small charge stated occurred charge totalled added total shared information transunion bothered investigate confirming charge would accrued account would taken directed bank account including record transaction made mid charge fraud charge shown record including record review

summer decided move home asked well fargo preapproval letter amount wanted make offer home mortgage worked well fargo previous two smooth made offer negotiated came term close put house market accepted offer existing home close promised plenty time close review documentation well fargo became increasingly spotty would get update asked eventually asked reassigned new processor felt taken care arrived still heard anything emailed demanding clear close final number friday responded made happen good go still receive final number tuesday evening asked clear forgotten send within minute received reviewed closing disclosure first time noted wanted additional fund close immediately asked adjust loan amount supervisor noted work came hear anything finally checked said late ca make change closing agent email said gov regulation completely false site indicates category require new cd day period ex large apr change new loan product moving fixed rate arm new prepayment penalty attached email evidence day closing agent caught error calculation instead updating u disclosure notice changed added closing le hour close essentially bullied either delaying close incurring moving expense taking draft paying pocket adding mortgage would added measly xxxxmonth payment easily within ltv allowing u keep fund saving case impacted covid road wife added significant stress move complained closing team asking reimbursement loan charge said would executive office contact u resolve issue executive office contacted provided information noted get prompt response would file formal cfpb complaint response happened today received another office phone call acting like beginning know received complaint would like look called bank explained situation noted well broke law well employee know noted mortgage busy right low rate pushed close time even mean breaking law like checking account scandal

initiated installment loan online le charging interest loan origination fee feel excess ga law max find license business kind loan georgia asked company concerning interest rate license representative told since online installment loan originator governed state specific loan law

medical information mine

contacted portfolio recovery provide accurate detail collection account month back nothing updated recently pulled copy credit report noticed original creditor collection agency listed credit report considered double dipping credit causing lower credit score one account need removed credit either original creditor collection agency portfolio several collection account credit report along original credit account credit score hit

vehicle loan financed td auto starting month shorter vehicle someone stole totaled several month unanswered question td auto finally able pay vehicle full fast forward today noticed marked charge able get answer marked charge charge need removed credit report nothing someone stealing crashing vehicle penalized

experian reporting incorrectly day late partial account number please see page attached credit report first account report balance past due second account currently coded account coded contacted bureau spoken multiple representative verbally stated change coding infraction true spoken loan officer well lender confirmed coding item changed bureau report accurate information disputing prior late payment however account reported past due present day keep mind impossible late account nothing owed nothing past due violation fair credit reporting act report accurate coding information credit report false reporting lates seriously harming credit score line item need removed credit report contacted bureau remove however successful

identity stolen

someone transunion credit bureau keep changing address without consent deposited information time filed two police xxxxxxxx gave two letter release stating debt mine transunion keep putting fraudulent account back credit account called credit bureau said ca third party call hung upon u identity stolen time last year correct address name phone number

account name account number account type credit card responsibility individual date opened status late status updated balance balance updated recent payment monthly payment credit limit highest balance please see attached experian data reported inaccurately please also see attached proof limit given

writing delete following information file item need deleted listed report victim identity theft make charge ask item deleted correct credit report reported theft identity federal trade commission also enclosed copy federal trade commission identity theft affidavit please delete item soon possible

started account chase bank opened account local branch received debit card mail believed everything fine attempted use debit card sunday received message atm transaction could processed went back local branch monday discovered account closed per bank decision banker contacted corporate office told reason could provided banker provided number called could get additional information called chase placed hold min minute conversation representative could release reason denied checking account asked fiance speak explain also advised chase customer terminate banking relationship explanation needed fund would returned via check mailing address verify fund account came may condition need met receive money back fiance asked possible bank able close account hold money ransom perform required action confirmed statement condition may met money released requested speak supervisor hold additional ten minute operator stated could longer hear hung phone called back spoke confirmed thing addition advised chase notated account never offer checking account never business join fiance chase business account account restricted also advised account formally closed check issued mailed mailing address issue see issue time condition would notified idea would take position first checking account ever bank negative record one credit card opened recently nothing could wait see would issue check readily according called check status representative spoke told prove business obtain fund given sba place sba deemed worthy approved receive loan disbursed loan proceeds bank choice bank chose decided scrutinize question legitimacy fund came direct deposit government entity bank right hold money submitted application chase fund appropriate bank add another level screening money promised congress given timely manner assist business family went bank fiance met one opened account didnt understand chase immediately called chase number find account shutdown hold someone came line soon picked call disconnected offered call back allowed u leave advised would call u call went back bank chase fraud dept told fraud bank account sba asked show business sba one originated loan wouldnt sba right recall loan enforce punishment didnt meet requirement chase making qualify money already approved neither fraud department could answer question continued request proof business saying business loan usually go personal account also stated business ein advised file tax using form reluctantly supplied copy sba approval paperwork teller called said nothing could would call chase fraud department ask speak find next requirement called held hour spoke woman short time explaining needed provide letter attorney cpa sproving fiance talk explain exact wording didnt understand finance asked wrong previous paperwork chase operator stated information handwritten advised none paperwork handwritten chase rep wrote identify paperwork wrote nothing fiance began question requirement chase rep hung called back asked directly supervisor spoke told qualify fund fund intended chase likely return fund way could possibly get fund back turned letter cpa since wont get money asked explain attorney give permission speak third party behalf said said retain asked attorney speak may understand need get fund said kept asking speaking didnt understand asked several time continued ask question ask speak attorney associate hung explanation attached sba requirement complaint retrieved sba website

opened account region bank branch ga opened account response promotion offer received via mail promotion entailed opening checking account completing debit card transaction within day receive bonus bonus pay day completion debit card transaction approximately day account opening completed requirement received account opening bonus worked branch starting around keep saying working admitted customer received bonus beliece concern need investigated

attached inquiry reported fraudulent reporting bureau refuse remove credit report

loan hyundai motor finance loan payoff amount increased payment payoff amount lowered caused payment noticed error called time spoken many representative supervisor manager see issue claim send information payment processing division even purchased new car agreed charged least hyundai motor finance dealership called directly purchasing new car want fully pay load addressed however dealer called behalf assured loan paid hmf would refund overage happen reached hmf called last time told essentially luck payment processing department help way contact directly manager stated paid loan due trade see loan satisfied nothing extremely distressing lucky enough caught mistake sure people may never caught however one hmf financing able address issue even stopped providing payoff amount began complaining make even upsetting know much money overcharged

customer paid holding money day get touch phone email

disputed account information experian account account amount account paid full payment made please delete account reporting

soc sec dob fl may concern making final goodwill attempt clear matter account sent back verified entirely inaccurate incomplete represents serious error reporting also advised second time contacting company matter writing company violation need go detail tell law company know fact required fcra properly verified accuracy account listed credit report physical document sure well aware current federal case law state consumer reporting agency bear grave responsibility ensure accuracy account report responsibility must consist something merely parroting information received source basically mean cant verify account telling verified verify account telling contacted creditor account disputed verified mean cant send proof account company must come ignored request provided document file used verify disputed account mean verified verify account section fcra required promptly delete information verified law clear daylight civil liability remedy available negligent noncompliance section fail comply federal law litigious consumer fully intend pursuing litigation matter enforce right fcra demand following account verified deleted immediately account name acc acc acc acc acc acc ac ac acc acc acc acc acc acc acc acc also company investigated federal trade commission see usc et seq also maintaining careful record communication purpose filing complaint ftc attorney general office continue remind may liable willful noncompliance failure respond satisfactorily within day receipt certified letter result small claim action company seeking damage defamation negligent enablement identity fraud violation fair credit reporting act also would like updated copy credit report investigation complete thank soc sec dob fl

informed credit lender approved personal loan needing derogatory item credit history decided pull credit noticed several unknown item please remove fraudulent account report thank

pulled credit first time year derogatory item mine including two bankruptcy account fraudulent need deleted please remove unknown account name

car totaled within year apart insurance company paid financial full yet somehow toyota decided charge deductible tell warn contact make payment year believed fault told insurance company handle year frustrated decided pay balance see screenshots get rid toyota financial assured would delete derogatory standing credit report fault paid done almost full year company disgusting refused get car loyal

monitoring credit closely past year home buying process received notification saying delinquency account paid full opened macy app see hit negative mark interest carry fee called immediately last explained assured removed taken care would hit credit report applied house today lender came back saying day late macy contacted immediately today explained happened made call told rectified associate phone rude helpful asked speak much helpful polite still stated evidence ever called explained certainly call home buying process priority date credit report show day delinquency charge even know existed told agent removed would take day update credit report hurting score buying process believe made initial call employee take proper note told done bad position would like investigated still requesting macy remove credit report paid full owe money

fighting bankruptcy year inaccuracy inside bankruptcy dismissed well today logged onto pacer verify information correct ie case number closing date noticed case number listed credit bureau incorrect case number listed pacer however reported credit bureau probably lexisnexis incorrect information reported

decided pull credit every single time would apply credit card would get denied best knowledge always paid bill time know fact thing showing report belong account fraudulently made without consent please remove account report soon possible collection

submitted proof identity well request correct name address reporting credit profile received response back within thirty day period demanding item removed credit report fraudulent inaccurate

due corona virus job allowed u go retirement money take whatever amount need survive due fact already mortgage issue requested payout amount mortgage sent amount waiting title house received another letter mortgage company telling money placed area escrow insurance etc intent date received money owed anything else said phh mortgagexxxx nj loan number

provide information cra obligation fcra ensure accuracy information furnish rule illegal report information know believe inaccurate reasonable cause believe information inaccurate knowledge allegation consumer would lead reasonable person doubt accuracy information fcra section may exempt requirement give address consumer

hope day going well need help noticed following issue account credit report inaccurate inaccurate inaccurate inaccurate inaccurate reading internet credit reporting law understanding consumer find error credit report right fixed right got information ftc cfpb incorrect information credit report causing problem try apply credit please investigate matter get back finished hope soon thanks

contacted mortgage company several time inquire whether summer tax bill received receive notification received inquiry never response actual question contacted recently yet receive response received tax bill reflecting proper amount account paid yet