vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  Account # XXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX XXXX Account # XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to according to the 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general, in after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information from is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 they are not supposed to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation of the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against EQUIFAX regarding the inaccurate information reported in my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XXXX XX/XX/year> of Credit Report, I discovered discrepancies in the following account ( s ) : Account Name : XXXX Account Number : XXXX Disputed Information : Inaccuracies, account number is reported as incomplete, high balance is reported differently in the credit agencies, date of last activity, last payment, and credit. 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EQUIFAX has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted on my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
My auto payment has failed to process AGAIN and my account is past due. The amount I supposedly own also seems incorrect, probably due to them incorrectly crediting my account for two payments now. It's completely unbelievable that I have to submit a complaint about this AGAIN. I've called them multiple times, been put on hold multiple times, and then HUNG UP ON multiple times. This company is an absolute XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
The federal student loan negatively impacted my credit score. Repayment for student loans do not start until XXXXXXXX XXXX XXXX, and they reported it to the credit bureau causing my score to drop by XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX Social Security Number : XXXX XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XXXX : Request for Removal of Closed, Paid-Off Account from Credit Report Dear Capital One Credit Department , I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management.

I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management. 

Below are the account details for your reference : * Account Number : XXXX XXXX Digits of Card Number : XXXX * Account Opened : XX/XX/XXXX, XX/XX/XXXX Account Closed : XX/XX/XXXX, XX/XX/XXXX I FILED A FTC REPORT PLEASE REMOVE FROM CREDIT REPORT Please confirm in writing that this account will be removed from my credit report or inform me of any additional steps I need to take. 
Thank you for your time and consideration. 


Sincerely, XXXX XXXX

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
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX, OH XXXX XXXX XXXX Social Security Number : XXXX XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XXXX : Request for Removal of Closed, Paid-Off Account from Credit Report Dear Capital One Credit Department , I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management.

I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management. 

Below are the account details for your reference : * Account Number : XXXX XXXX Digits of Card Number : XXXX * Account Opened : XX/XX/XXXX, XX/XX/XXXX Account Closed : XX/XX/XXXX, XX/XX/XXXX I FILED A FTC REPORT PLEASE REMOVE FROM CREDIT REPORT Please confirm in writing that this account will be removed from my credit report or inform me of any additional steps I need to take. 
Thank you for your time and consideration. 


Sincerely, XXXX XXXX

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
Consumer complaint received 2024-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XX/XX/XXXXXXXX XXXX  XXXX, XXXX AND TRANSUNION Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open UP UKNOWN accountS IN MY NAME. I did not open or authorize this account, and I therefore request that it be closed immediately. 

I am writing to dispute fraudulent charges on my account and my XXXX, XXXX, AND TRANSUNION credit report file. I have attached a copy of the report I received. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorized these merchants to do a hard inquiry on my credit report, an unknown person violated my identity, I did not open those credit cards in my name, and I did not open any car loan in my name and those collections accounts do not belong to me. I did not open an account XXXX XXXX XXXX XXXX amount XXXX phone number XXXX XXXX XXXX XXXX XXXX XXXXXXXX amount XXXX phone number XXXX. 

I AM A VICTIM OF IDENTITY THEFT, AND I DID NOT MAKE THIS CHARGE NOR OPEN THESE ACCOUNTS. I AM REQUESTING THAT THE CHARGE AND ACCOUNTS BE REMOVED. 

ENCLOSED ARE COPIES OF A POLICE REPORT AND IDENTITY THEFT AFFIDAVIT SUPPORTING MY POSITION. PLEASE INVESTIGATE THIS MATTER AND CORRECT THE FRAUDULENT CHARGES AS SOON AS POSSIBLE. 

IN ADDITION, AS A VICTIM OF IDENTITY THEFT, I AM REQUESTING THAT YOU PROVIDE ME WITH COPIES OF ANY APPLICATIONS AND BUSINESS TRANSACTION RECORDS RELATED TO THE FRAUDULENT ACCOUNTS. I AM REQUESTING ALL SIGNED CONTRACTS THAT I SIGNED FOR THESE ACCOUNTS. THE COPIES OF THE RECORDS CAN BE MAILED TO ME AT THE ABOVE ADDRESS. 

IN ADDITION, I HAVE MADE A COMPLAINT TO THE CITY OF XXXX XXXX XXXX 

SINCERELY, XXXX XXXX XXXX XXXX

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 non-monetary relief
Consumer complaint received 2024-12-08 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XX/XX/XXXX XXXX XXXXXXXX, EQUIFAX AND XXXX Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open UP UKNOWN accountS IN MY NAME. I did not open or authorize this account, and I therefore request that it be closed immediately. 

I am writing to dispute fraudulent charges on my account and my XXXX, EQUIFAX, AND XXXX credit report file. I have attached a copy of the report I received. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorized these merchants to do a hard inquiry on my credit report, an unknown person violated my identity, I did not open those credit cards in my name, and I did not open any car loan in my name and those collections accounts do not belong to me. I did not open an account XXXX XXXX XXXX XXXX amount XXXX phone number XXXX XXXX XXXX XXXX XXXX XXXXXXXX amount XXXX phone number XXXX. 

I AM A VICTIM OF IDENTITY THEFT, AND I DID NOT MAKE THIS CHARGE NOR OPEN THESE ACCOUNTS. I AM REQUESTING THAT THE CHARGE AND ACCOUNTS BE REMOVED. 

ENCLOSED ARE COPIES OF A POLICE REPORT AND IDENTITY THEFT AFFIDAVIT SUPPORTING MY POSITION. PLEASE INVESTIGATE THIS MATTER AND CORRECT THE FRAUDULENT CHARGES AS SOON AS POSSIBLE. 

IN ADDITION, AS A VICTIM OF IDENTITY THEFT, I AM REQUESTING THAT YOU PROVIDE ME WITH COPIES OF ANY APPLICATIONS AND BUSINESS TRANSACTION RECORDS RELATED TO THE FRAUDULENT ACCOUNTS. I AM REQUESTING ALL SIGNED CONTRACTS THAT I SIGNED FOR THESE ACCOUNTS. THE COPIES OF THE RECORDS CAN BE MAILED TO ME AT THE ABOVE ADDRESS. 

IN ADDITION, I HAVE MADE A COMPLAINT TO THE CITY OF XXXX XXXX XXXX 

SINCERELY, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alorica Inc.
State: CO

Complaint narrative:
In XX/XX/year> I started receiving emails from Systems & Services Technologies saying that Im late on a payment. ( Your payment of {$27.00} for account number XXXX was due on XXXX. ) I dont know who this company is or what the debt ismaybe someone sold a loan to them? They seem to have all my information. The emails provide a monthly amount owed, but not a balance or payoff amount. Their phone number doesnt answer and their website wont load on any of my browsers. I need to know if this is a legitimate company and if so, what I owe them for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Dear PayPal Credit Executive Office, Someone has tried to call again, and I'm in the XXXX  being treated, in and out of XXXX. I would like to know if this is resolved once and for all. I never even wanted the PayPal credit account and was talked into it, and it has been nothing but trouble and fraud after fraud. The email and bank accounts keep getting altered. I have removed all that information now, so it can no longer be accessed while I rectify this identity theft mess. This PayPal credit balance and account do not currently belong to me. It shows an alnico of {$120000.00}, which needs to be removed, and the total account is closed. I want my regular PayPal account open as I have had it for numerous years and never had trouble with this before.

Thank you for your help and time.

I have already sent in multiple dispute letters as instructed, and it has been well over 30 days, but it still needs to be handled. I want this resolved and updated without any more delay. This seems wrong. 
Thank you XXXX XXXX

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
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my credit report and noticed the above items showing charged off and the XXXX in collections for more than one consecutive month, which extends the statue of limitations of how long an account should be reporting. 

According to 15 usc 1681i 5 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 1681 s 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 non-monetary relief