Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : REQUEST LETTER TO REMOVE INACCURATE INFORMATION To Whom It May Concern, Please accept this formal letter as my first request to investigate and remove derogatory accounts/items from my consumer report. After, a careful review of my report I noticed my report had errors and also suspected fraud. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a consumer reporting agency 15 U.S.C. $ 1681a ( f ), you are governed by the Fair Credit Reporting Act ( 'FCRA '' ). 15 U.S.C. 1681, et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer file. The FCRA states that it's the consumer reporting agency 's responsibility to ensure that all information contained within consumer files is accurate and free from errors. Your company is regularly engaged in the business of assembling, evaluating, and disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 U.S.C. {$1600.00} ( d ), to third parties.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to:1 ) follow reasonable procedures to assure the maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ). This section imposes a high and often disregarded standard on consumer reporting agencies. See, e.g.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX, XXXX ) ( breaking down the requirements of XXXX ( b ), and explaining that " assure ' means XXXX make sure or certain : put beyond all doubt, ' [ maximum ' means the 'greatest in quantity or highest degree attainable [, ] ' and 'possible ' means something falling within the bounds of what may be done, occur or be conceived. '' ( quoting XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX ( XXXX ) ) ; XXXX ) comply with the investigation requirements, as required by 15 U.S.C. 1681i ; 3 ) should not provide consumer files to companies without determining that these companies had a permissible purpose to obtain consumer files pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer file pursuant to 15 U.S.C. 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer report.

For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my consumer report. See. Exhibit A.

In completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the accounts/items I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. 
I have attached my SSN, utility bill, and drivers licesense Sincerely, XXXX XXXX XXXX EXHIBIT A I hereby dispute these derogatory accounts and request the following items be thoroughly investigated and deleted from my consumer report, please see below : Name of Account, Name of Source, Type of Item Account Number or Identifier Creditor Name, Debt Collector Name, or Dispute Matter Account #, Reference #, etc... 
Creditor Name, Debt Collector Name, or Dispute Matter Account #, Reference #, etc... 
Remove this address XXXX XXXX XXXX, XXXX, TX XXXX FRAUD Remove this address XXXX XXXX XXXX XXXX XXXX Remove this address XXXX XXXX XXXX XXXX Remove this address XXXX XXXX XXXX XXXX XXXX  XXXX Remove this address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Remove this address XXXX XXXX XXXX XXXX Remove this address XXXX Winding XXXX XXXX XXXX XXXX XXXX Remove this address XXXX XXXX XXXX XXXX XXXX Remove this address XXXX XXXX XXXX XXXX XXXX Remove this address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Remove this address XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Remove this address XXXX XXXX XXXX XXXX, TX XXXX XXXX this XXXX XXXX XXXX XXXX. XXXX Remove this address XXXX XXXX XXXX XXXX XXXX XXXX Remove this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX this address XXXX XXXX XXXX. XXXX Remove this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX this address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX this address XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX Remove this address XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Remove this address XXXX XXXX XXXX XXXX, TX XXXX Remove this address XXXX XXXX XXXX. XXXX, TX XXXX Remove this address XXXX XXXX XXXX XXXX. XXXX XXXX, TX XXXX Remove this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Remove this address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX this address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX this address XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX this address XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX this XXXX XXXX Cedar Ridge XXXX XXXX, IL XXXX XXXX Remove this address XXXX XXXX XXXX XXXX. XXXX XXXX, TX XXXX Remove this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Remove this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Remove this address XXXX XXXX XXXX. XXXX, TX XXXX Remove this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Remove this address XXXX XXXX XXXX XXXX XXXX XXXX Remove this address XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX this address XXXX XXXX XXXX XXXX. XXXX, TX XXXX Remove this address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX this phone number XXXX Remove this phone number XXXX Remove this phone number XXXX Remove this phone number Invalid Remove this email XXXX Remove this email XXXX Remove this email XXXX Remove this email XXXX Remove this email XXXX Education XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and email Online Marketing Record XXXX - name, address, and email Online Marketing Record XXXX - name, address, and email Online Marketing Record XXXX - name, address, and email Online Marketing Record XXXX - name, address, and email Online Marketing Record XXXX - name, address, and email Online Marketing Record XXXX - name, address, and email Online Marketing Record XXXX -name, address, and email Online Marketing Record XXXX - name, address, and email Online Marketing Record XXXX - name, address, and email Online Marketing Record XXXX - name, address, and email Online Marketing Record XXXX name, address, and email Remove this name XXXX XXXX Remove this name XXXX XXXX XXXX XXXX this name XXXX XXXX XXXX XXXX this name XXXX XXXX XXXX XXXX this name XXXX XXXX XXXX XXXX this name XXXX Remove this XXXX XXXX XXXX ADDITIONALLY * Please add a promotional suppression to my consumer file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation