Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EGL US, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate: XXXX XXXX XXXXRe: Credit Report Dispute  Disputed Accounts & Unauthorized Hard Inquiries\n\n\n\nTo Whom It May Concern,\n\n\n\nThis is a formal dispute of inaccurate accounts and unauthorized inquiries on my credit report, submitted under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq.\n\n\n\nUnder the FCRA:\n\n\t\t 1681i(a)(1)(A): You must investigate disputed items within 30 days.\n\n\t\t 1681i(a)(5)(A): If information cannot be verified, it must be deleted.\n\n\t\t 1681b(a): A consumer reporting agency may not furnish a credit report unless there is a permissible purpose. Hard inquiries without authorization are unlawful and must be removed.\n\n\n\nAccordingly, I demand that the following items be investigated and permanently deleted unless verifiable proof of accuracy and authorization is provided.\n\n\n\n\n\n\n\n Disputed Accounts\n\n\n\n1. BMG LoansAtWork, Inc.\n\n\t\tAccount Number: XXXXStatus: Charged Off  $XXXX Written Off\n\n\t\tDispute: Balance exceeds original loan; no documentation to support discrepancy. Must be verified or deleted under  1681i(a)(5)(A).\n\n\n\n2. XXXX XXXXAccount Number: XXXXStatus: Charged Off  $XXXX  Written Off\n\n\t\tDispute: No evidence of payment activity or resolution. Must be verified or deleted.\n\n\n\n3. XXXX XXXX XXXXXXXXAccount Number: XXXXBalance: $XXXX  (Past Due)\n\n\t\tDispute: Account not opened or authorized. Appears fraudulent. Must be removed unless signed proof of responsibility is provided.\n\n\n\n4. XXXX XXXXXXXXAccount Number: XXXXBalance: $XXXX  (Collection)\n\n\t\tDispute: No validation provided. Must be deleted if unverifiable.\n\n\n\n5. XXXX XXXXXXXXAccount Number: XXXXBalance: $XXXX  (Collection)\n\n\t\tDispute: No documentation or proof of debt. Must be verified or removed.\n\n\n\n\n\n\n\n Unauthorized Hard Inquiries\n\n\n\nThese inquiries were not authorized by me and have no permissible purpose under FCRA  1681b(a). Therefore, they must be deleted.XXXX XXXX XXXX  InquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNone of these inquiries were initiated or authorized by me. Unless you can provide signed proof of my authorization, they must be permanently deleted in compliance with FCRA  1681b & 1681i(a)(5)(A).\n\n\n\n\n\n\n\nRequested Action:\n\n\t\tInvestigate each of the disputed accounts and inquiries.\n\n\t\tProvide written documentation verifying accuracy and authorization.\n\n\t\tPermanently remove all unverifiable, inaccurate, or unauthorized entries within the 30-day period required by law.\n\n\n\nFailure to comply will constitute a violation of the FCRA, and I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and pursuing legal remedies.\n\n\n\nThank you for your prompt attention. I expect written confirmation of your findings.\n\n\n\nSincerely,XXXX XXXX

Company response to consumer: Closed with explanation