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aciborowska

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test_dataset

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On or around XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and the month of XX/XX/XXXX XXXX I was sent a credit denial letter by from synchrony bank XXXX XXXX XXXX XXXX XXXX XXXX. A person sharing my name, used my personal information and SSN to gain access to my credit via credit card applications. I confronted the front desk at XXXX XXXXXXXX XXXX whom stated it is not possible that they did not verify a persons identity prior to moving forward with the application. This person who applied for credit is my father and those persons as well as synchrony consumer reporting did not verify who's social was being used and allowed for my credit to pull resulting in a credit denial. This person who is attempting to use my credit, name and identity has caused me to recently freeze all accounts as this was no mistake on their part.

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Transunion made. And Im sure that there agency didn't Report 100 % correct Information. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

I have a dispute with an account with Compass Bank with a merchant who refused to cancel a transaction and shipped the item ignoring my cancelation request. Today I received an email I believe violates my rights to service with the company for services I am entitled to as an account holder. Compass Bank states that because of disputes all of which are valid I run the risk of account closure which makes no sense. I have never read of being threatened with account closure for services included as an account holder. The merchant taunted me throughout our communications and the package had been refused and forwarded back to the senders. Order time & date : XXXX XX/XX/2018 Amount of {$46.00} The transaction was unauthorized when I initiated the cancelation!

I called NCC and made arrangements to pay a debt that I owed and XXXX XXXX continues to call me. XXXX XXXX calls me and he seems not to remember that he has called me. XXXX XXXX calls me all the time early in the am and XXXX and XXXX times a day. I have made a payment on the debt and stated when I was going to make other payments but XXXX XXXX continues to call me.

On the morning of X/XX/17 I was held at XXXX point and robbed of my wallet and phone. The people who took my wallet ended up stealing {$3200.00} at a store. They confirmed that {$480.00} was fraud and refunded my money but the transactions ( {$2700.00} ) th at took place after this transaction was denied. They refuse to give the remaining money back even though these transactions took place after the {$480.00} transaction. The robbers also stole {$1000.00} from the ATM. They have been inconsistence with their reasoning as to why it is being denied. Their last response was n't that the {$480.00} was refunded because it was under {$500.00} ; however, the other transactions, other than XXXX , are all under {$500.00} as well. This company also had false reports on their account as to when I reported it then another employee said that report was n't there. They also said I called in a claim that their employee actually called me about and they had false notes on the claim. They also will not pull any images to prove that it was not me. Please see the attached images for the fraud transactions. They also have told me that I need to contact XXXX where the transactions took place yet they can not tell me where it took place for me to contact them.

Received an alert on my monitoring that a new collection is reporting with XXXX XXXX XXXX. I have no idea what this is and if it was to have opened in 2016 why is it just now reporting?

I am a victim of identity theft, also have been affected by the XXXX XXXX XXXX on a federal and state level. The following accounts are accounts that I have been affected by : XXXX XXXX Physician # XXXX, TN XXXX XXXX # XXXX, TN XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX and XXXX # XXXX.

Why do you continue to ignore my request to block outdated and unverifiable information? I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. I was a victim of Identity Theft and I already asked you to block these items in my previous letter. Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed and blocked as they are fraudulent. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT ED/XXXX Account Number : XXXX Delete this account. XXXX there is some inaccurate information reporting. XXXX Account XXXX : XXXX Delete this account. XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Delete this account. XXXX there is some inaccurate information reporting. DPT EDXXXX Account Number : XXXX Delete this account. XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT EDXXXX Account Number : XXXX Delete this account. XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Please remove this non-compliant account from my credit report per FCRA and XXXX XXXX there is some inaccurate information reporting. DPT EDXXXX Account Number : XXXX Delete this account. 11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT EDXXXX Account Number : XXXX Delete this account. 12. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Delete this account. 13. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT EDXXXX Account Number : XXXX Delete this account. 14. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Delete this account. 15. there is some inaccurate information reporting. DPT EDXXXX Account Number : XXXX Please remove it from my credit report.

I have contacted TransUnion several times via phone online, and via first class mailings on many occasions in regard to an account that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to XXXX several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report ( XXXX ), I've called Transunion and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : ( XXXX XXXX ) # XXXX account number. I also want the following unauthorized inquiries from XXXX, XXXX removed. I have even sent copies from XXXX & XXXX showing that they deleted items that TransUnion keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect.

An attorney, XXXX XXXX, from the firm Weltman, Weinberg and Reis, attempted to collect a debt from me, for his client XXXX XXXX XXXX. I did not owe this debt. About a week ago, I filed an initial complaint about this matter, and it concerned a settlement agreement. However, since filing my initial complaint, I have since learned that the settlement agreement is legally invalid. It was obtained via deception and coercion, and was never signed by me. Furthermore, there is no legal documentation to support Mr. XXXX 's debt collection activities against me, except a certificate of judgment which he filed via questionable methods. ( No court judgment to support the certificate. ) Furthermore, Mr. XXXX has engaged in numerous questionable, unethical and possibly even illegal activities in order to collect on the debt. This has resulted in the theft of thousands of dollars from me. I want to amend my complaint to eliminate my complaints about the invalid settlement agreement. I am still requesting the satisfaction of the judgment against my husband, as well as a removal of my name from any legal documents created in connection to this debt. ) But I am also requesting a return of the funds Mr. XXXX stole from me. Mr. XXXX sued my husband for a debt that he did not owe. After that, he fraudulently and illegally swept me up into his collection process, without even having obtained a judgment against me. Mr. XXXX did this simply because he knew the identity of my employer and wanted to illegally garnish my wages. I believe that he learned the identity of my employer via his client, XXXX XXXX XXXX. Late last year, he began harassing me incessantly about the terms of the invalid settlement agreement. He insisted that I had breached it, and arbitrarily and capriciously requested additional funds under the agreement. ( As though he were a judge and had the power to award himself additional funds ). Because his behavior seemed odd, I decided to reach out to an out-of-state attorney, whom I personally know and can trust, to discus the matter further. This attorney specializes in defending low-income clients from debt collectors in her pro-bono work. I slowly began to realize, after conversing with this out-of state attorney more in depth, that Mr. XXXX had no legal grounds on which to pursue debt collection from me. After many discussions with her, she advised me to extensively document this bizarre set of facts that had led Mr. XXXX to ruthlessly and viciously pursue a funds from me. She also advised me to document any and all future correspondence with him. I did that, ( see attached letter ). As a result, I realize that I am due a refund of all monies paid to Mr. XXXX. ( Please note I paid Mr. XXXX directly, as he insisted that I write checks to him personally ). Mr. XXXX illegally collected these funds from me under false pretenses. He did so under the pretense of collecting on a judgment for his client XXXX XXXX XXXX. ( See in attached letter. ) He always fails to acknowledge that this is a debt that I do not owe, based on a default judgment rendered in a court that had no jurisdiction, with highly flawed evidence ( interogatorries from the actual mortgage holder who was in default on the debt. )

To whom it may concern on XX/XX/2021 I provided XXXX XXXX, EQUIFAX with a letter that was sent certified asking them to correct my personal information to match my name and address listed on my goverment issued identification. There are still incorrect personal information being reported.

Dear Sir, I have a TD card that I used, and I am always making my payment on time. I hardly missed a payment. During COVID, I struggle to pay my billed due to covid but I do pay way payment beyond the minimum payment. I was late with one of my payments and TD charge me a late fee of XXXX. I called TD and explain why my payment was late due to COVID but they refuse to listen and refuse to waive the XXXX late fee. I am not asking TD to suspended my payment, I am just asking to wave the late fee of XXXX, and they refuse. Please help me get this late fee waive. Your assistance will be appreciated.

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. State I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

My information was used by someone who stole my identity to get credit accounts on my name, and not pay and they debts ended up in my account in collection unpaid and I'm left on the hook. my name ruined i can barely qualify for credit or better interest rate. this report is me trying to fix all the harm done to me my my life my good name.

Home Bridge is reporting a 30 day late to my credit report. They have admitted that they were wrong in charging me this late fee and sent me a letter saying that they would refund the late fee that I was charged. That was back in XXXX and they still have yet to send me the refund. Furthermore they can not say that they will send a refund for the late payment and continue to post a 30 day late to my reports. This company is terrible to work with and I have been trying to be routed to the correct person to fix this since it happen back in XXXX of this year. They are damaging me by report this loan inaccurately.

On XX/XX/2020, I initially ordered XXXX online and paid with my CapitalOne credit card. Originally the price was around {$25.00} when you buy 3, with 2 free bottles included so I entered my order. After I researched the product and found out more about it, I saw it was not the best way to lose weight as it will affect my health severely. I immediately called the company where I made the purchase and explained I wanted to cancel the order, where I received a cancellation order number as well as an email with the same cancellation number. The company stated my card would be refunded, but then I received the same charge for the amount of the purchase by my credit card company on the following bill statement. I called CapitalOne on XX/XX/XXXX to dispute the charge, and received a letter confirmation dated XX/XX/2020 that the dispute would be investigated. On the same day, the product arrived to my house, even after I canceled the product. I called the company to ask how to go about the return ; they directed verbally and via email exactly how to return the product via XXXX with a tracking number, ensuring it was received. On XX/XX/XXXX, CapitalOne sent me a letter stating the company shows a no-return per policy was received from the company to them. This made no sense to me as I spoke to XXXX people from XXXX about returning my product, receiving a cancellation email and direct steps on returning the product. CapitalOne reapplied the charge and said I still needed to pay the charges. On XX/XX/XXXX, I sent in a letter to CapitalOne because I wanted to continue the dispute as I have everything in place that I sent things back in. Since then, I started receiving more charges on my account from companies I've never heard of and don't know how to use. This should have launched an investigation regarding the charges, as they are not remotely close to anything I have been involved with. I explained I no longer wanted to have a credit card with them, cancelled my account, but I can not pay a balance for purchases I did not make.

I have been a victim of identity theft in the past and they are 4 accounts that are still reporting on my report and I need them remove. I have filed a police report and sent to the XXXX bureaus, however it still showing in some of them

Back in XX/XX/XXXX, I noticed on my credit report there was a collection account for {$1300.00}. When I realized that this debt represented a few hours stay at a local hospital, XXXX XXXX XXXX on XX/XX/XXXX. I had checked into this hospital due to breathing problems ( Not Covid-19 related ). From this hospital, I was transported by ambulance to the XXXX XXXX in XXXX XXXX that same day. I did not have any medical/health insurance at that time. However, staff at the XXXX XXXX assisted me with my application for XXXX and XXXX which was approved about 90 days later. When I got the approval, I placed a telephonic call to the XXXX XXXX XXXX and provided them with my XXXX XXXX number so they can receive payment for their services from XXXX -- -this was around XX/XX/XXXX. Imagine my horror when I discovered that the above -referenced medical-bill for {$1300.00} was now appearing on my Credit Report ( CR ) as a collection account. I immediately contacted the Collection agency, AR Resources ( see attached AR document ), and explained that this bill was already paid by XXXX XXXX Upon their investigation -- -AR Resources removed the collection account from my CR -- -this was back in XX/XX/XXXX. Fast forward today, XX/XX/XXXX, the same bill for {$1300.00} shows back on my CR but from a different collection company, XXXX XXXX, from XXXX, Texas. I immediately contacted their office and spoke to XXXX, XXXX XXXX XXXX, explaining to her this account was paid by XXXX back XXXX XXXX. She informed me that I would have to provide Proof of coverage and a copy of my XXXX XXXX XXXX -then she will remove it from my CR. Be that as it may, be, I do not trust XXXX XXXX, thus my instant complaint to CFPB.

I made a substantial, large deposit of {$5000.00}. TD, at their discrepancy, held the funds for XXXX business days which caused a financial hardship. I was charged overdraft fees on my account XXXX, and I am now seeking reimbursement of {$170.00} of the overdraft fees. The money was taken from the account holder who issued the check within two days, and although the money was withdrawn, TD bank refused to release the hold and caused several overdrafts on XXXX of the accounts that I needed to transfer the funds. I am seeking reimbursement for the overdraft charges that I was charged to my account, XXXX. Reimburse {$170.00}

A man named XXXX XXXX ( something, the phone kept cutting out ) from XXXX and associates called from XXXX and insisted I had a debt that he was going to sent to court and have criminal charges brought up on me. He told me my name SSN DOB and address from 6 years ago. I didn't confirm anything but my name. When I pressed him he said the debe was from One Main Financial and that I had made arrangements to pay and had made XXXX payment of {$170.00} in XXXX of 2016. I denied knowing about the debt and demanded proof of such debt. He said good luck in court. I then found the number for One Main financial and called them I spoke with XXXX XXXX who verified I do not have any debts present or previous with them. XXXX then suggested contacting credit bureaus and law enforcement.

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

This complaint with the CFPB and letter shall serve as formal notice of my intent to file a complaint with the FTC, followed by a complaint with my State Attorney General, due to your blatant and objectionable disregard of the law. As indicated by the attached copies of certified letters you have received and accepted through USPS certified mail, my dispute letter dated XX/XX/XXXX. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable and your disregard for it contemptible in court. Rest assured I shall hold you accountable. Federal law requires you to respond within 30 days, yet you have failed to respond to my most recent request of investigation from XX/XX/XXXX. Previous investigations have returned an unacceptable computer generated response with failure to investigate the actual under lying matter in which you have no legal authority to add to my credit report, based on the information that has been attached and provided regarding XXXX XXXX failure to handle dispute of unauthorized charges from XXXX XXXX XXXX, under the FCBA ( Fair Credit Billing Act ). XXXX XXXX did not handle my dispute of unauthorized charges dated XX/XX/XXXX and allowed/ paid a transaction which took me over {$3000.00} beyond my credit limit. When originally disputed, XXXX XXXX removed it from my account, then added back to my account 90 days later after not following up with me and told me there was nothing they could do further. They have since offered no remediation or settlement which I am legally entitled to, and have violated collection and charge off procedures awarded under the CARES act of the Covid 19 pandemic. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. Nov. 14, 1995 ), you may be liable for your willful noncompliance. As a consumer reporting agency you are legally required to investigate and remove accounts from my report which are not being handled properly or legally under FCRA 623 ( b ) ( 1 ). Further more, under FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) you did not respond to my most recent dispute within 30 days, and this inaccurate account must be removed from my credit report immediately. If it is not I will be continuing with my above reference to filing reports with the FTC, Colorado Attorney General and taking legal actions against your agency as it is interfering with my ability to operate financially, is inaccurate, and you are not legally authorized to report the unlawful charges from XXXX XXXXXXXX without being able to accurately verify, which you have failed to do numerous times. For the record, the following information is being inaccurately and derogatorily included on my credit report, as I have advised you on multiple occasions, most recently XX/XX/XXXX. XXXX XXXX XXXX XXXXXXXX Amount : {$8400.00} on {$3700.00} credit limit Unauthorized charges paid bringing above credit limit and not responded to through dispute resolution under FCBA of 1974. Improper handling of fiduciary responsibility, financial negligence and improper implementation of rights under CARES act of 2020 in regards to illegal collection and charge off practices. If you do not immediately remove this inaccurate and illegal information, I will file a formal complaint with the Federal Trade Commission along with my Attorney General and will seek legal help to file lawsuit against your agency for reporting verifiably false and illegal information. Should you continue to operate with complete disregard for the law, I intend to seek redress in civil action for recovery of damages, costs, and attorney fees. For this purpose I am carefully documenting all my communications.

I have spoken with all three Credit Bureaus XXXX TransUnion, XXXX and XXXX ), and all three are stating that it is upon the consumer to contact this reporting institutions. This is not true pursuant to the Fair Credit Reporting Act. I requested that their agency reach out to the reporting merchant for written authorization from that I gave the authority to make hard inquiry into my credit. The merchant can not do it, as I did not give them written or verbal authorization to pull my credit, period. I wrote all three letters identifying myself, and my desire to have unauthorized inquiries removed and an up dated report from their agency reflecting the changes. There are recorded conversation with each along with the written request to document my request. It has to be noted that the three agency purchase financial ; without first verifying that information which can cause a financial harm to the consumer. When they hear from the consumer they tell the it's upon them to do the leg work ; to have the unauthorized inform removed. Why didn't TransUnion, XXXX and XXXX do the same leg work that they want the consumer to do before they posted said inaccurate information.

Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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'm writing in hopes of getting an issue resolved. For several months my account was charged without my consent due to screen mirroring on my device ( it was hacked ). I didn't receive any notifications to alert me of the transactions. This was a secondary account so basically it was used as a savings account. I notified the bank and did a claim which was denied. I later filed another complaint ( rebuttal ) on XX/XX/2021. During the process of filing the rebuttal doing a thorough check of my account we came across some more new transactions form a merchant that weren't in my previous claim. Another claim had to be escalated making the claim for the rebuttal and another new claim for the latest charges that appeared on the account. During the process of each claim the bank didn't provide me with a temporary credit as stated in their policy, it was as if it went null and voided or appeared to only for a " selective few ''! I later received a letter for the smaller claim with the claim number used for the rebuttal. It stated " My claim had been denied because the merchant returned the funds '', therefore they no longer needed to move forward with the claim. This information was totally inaccurate the merchant did return the smaller claim but not the initial claim on file for over XXXX. XX/XX/XXXX I contacted the financial establishment spoke with another representative that looked through the account and stated the MERCHANT NEVER RETURNED ANY MONEY, therefore they're going to do another rebuttal and have it escalated the information in the system at this point was very conflicted. Even the agent was confused. There were overdraft fees which were never reimbursed that were astronomical. I'm highly frustrated and now seeking a physician for the stress this has caused me. In these difficult economic times I would've like to believe I would be protected by my financial institution but instead I feel as if I've been victimized twice. SUNTRUST what a name with a lack of!

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

1. The following personal information is incorrect Previous Names: XXXX XXXX XXXX 2.The following personal information is incorrect Previous Names: XXXX XXXX 3.The following personal information is incorrect Previous Names: XXXX XXXX 4.The following personal information is incorrect Previous Names: XXXX XXXX XXXX 5.The following personal information is incorrect Previous Names: XXXX XXXX XXXX 6.The following personal information is incorrect Previous Names: XXXX XXXX XXXX 7.The following personal information is incorrect Previous Names: XXXX XXXX XXXX 8. The following personal information is incorrect Previous Address (es): XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX. XXXX 8. The following personal information is incorrect Previous Address (es): XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX 8. The following personal information is incorrect Previous Address (es): XXXX XXXX XXXX XXXX XXXX, TX. XXXX

I have noticed many incorrect and unauthorized items appeared in my report.

This complaint regards my XXXX XXXX account and improper investigations by furnished and all CRAs. This simple matter has been and should be escalated to XXXX XXXX Chairman, XXXX XXXX XXXX, in XXXX as efforts by SR VP XXXX XXXX have not fixed the willful FCRA violations. I have attached 2 letters from XXXX XXXX, dated XX/XX/XXXX and XX/XX/XXXX, both stating my XXXX account was voluntarily closed on XX/XX/XXXX and has not been reported as open since. XXXX. Today, on XX/XX/XXXX, I noticed that an illegal Facially False Data change was to my XXXX attached credit report changing the previously reported closing date from XX/XX/XXXX to now the incorrect date of XX/XX/XXXX in complete disregard from internal control safeguards required to protect such a change, Moreover my attached Experian report of XX/XX/XXXX still reports my account inaccurately as OPEN despite 3 months of disputes. As XXXX XXXX XXXX told a bad actor : Stop XXXX over consumers. Delete my account!

I have sent dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern. In accordance with 15 U.S. Code 1681i ( 6 ) ( A ), I, the consumer in fact has the right to demand compliance within 15 days for the results of a investigation via written notice.

When I first noticed this collection on my credit report, I immediately disputed it due to the fact that I have No knowledge of it. The credit bureaus has not yet removed the items from my report.

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

XX/XX/XXXX Acct : WELLS FARGO XX/XX/XXXX Acct : XXXX XX/XX/XXXX Acct : XXXX On XX/XX/XXXX I sent a letter along with a clear copy of my social security card and valid ID by XXXX Mail XXXX XXXX XXXX to the credit bureaus to verify the accounts and debt on my credit report. ( XXXX ) sent back a letter stating that everything has been verified correctly but is still showing inaccuracies. ( XXXX ) sent back a letter stating they were unable to locate my credit file and to send XXXX forms of identification which was already sent along with the letter of verification on XX/XX/XXXX but is still reporting inaccuracies. And ( XXXX ) has yet to respond to my letter of verification in regards to my credit report but signed for my mailed letter on XX/XX/XXXX and my new credit report is still showing inaccuracies. I pay a monthly subscription to XXXX XXXX XXXX XXXX XXXX XXXX to receive my credit report every month which will be attached. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause that the information is inaccurate.

XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Portfolio Recovery Associates began reporting a collection debt to my credit report as of XXXX XXXX for the amount of {$450.00}. I sent my first written debt validation request on XXXX XXXX and my 2nd validation request on XXXX XXXX via USPS Certified mail. I recieved a response letter dated for XXXX XXXX. Their response was limited to a copy of a billing statement for the alleged original creditor. Dispite several requests for substantial proof of validation as well as 3 rounds of debt validation request and a complaint of noncompliant to XX/XX/XXXXandXX/XX/XXXX Portfolio Recovery Associates has yet to provide me with verifiable proof that I'm responsible for this debt. They have continuously ignored my requests to provide a copy of a contract with the original creditor with my written signature on it as well as my request for them to provide Agent 's names and ID numbers, proof of licensure to collect a debt in my state, proof that the debt is within the statute of limitations to be collected and evidence of how they came to the amount they say I owe. Portfolio Recovery Associates is in violation of the FCRA and has continuously violated my rights as a consumer by reporting inaccurate, unverified and derogatory information on my credit reports, effectively damaging my credit score and limiting my opportunities as a consumer.

Through gross negligence regarding basic computer security standards, Equifax managed to reveal my personal information to hackers and potential malicious actors. Not only did it take them over a month to detect the breach on their own, it also took them a long time ( months ) to report the problem to the public. They have acted irresponsibly in informing the public, as I had to hear about the breach on the news rather than being informed by Equifax.

Hi I was a victim of identity theft.I have negative accounts reporting on my credit report that i have no knowledge too. I have noticed multiple addresses and names reporting on my credit report that are incorrect. I have reached out regarding these matters to the creditors as well as the 3 bureaus asking them to investigate and remove inaccurate addresses and names. However, they have not fully looked into that matters. I have sent letters to Bank of America which is reporting a charged off account of in the amount of {$18000.00}. Bank of America reporting a charge off account once again for amount {$9900.00}. XXXX Bank is also reporting charged off in the amount of {$35000.00} I have requested investigation and a response back from the 3 bureaus as well as the creditors. But haven't gotten a Resolution.

I am writing to file a formal complaint against Experian, a XXXX XXXX XXXX XXXX, for their failure to respond to my debt validation request within the mandated 30-day period, as required by the Fair Credit Reporting Act ( FCRA ). Experian 's non-compliance has infringed upon my consumer rights and caused significant distress. On XX/XX/2023, I sent a debt validation request to Experian concerning inaccurate information on my credit report. As a consumer, I have the right, under the FCRA, to dispute any information I believe to be inaccurate or incomplete. Accordingly, Experian is obligated to conduct a prompt and reasonable investigation into my dispute, ensuring the accuracy of the information they maintain. Despite my adherence to the prescribed procedures and providing all necessary information, Experian has failed to acknowledge receipt of my debt validation request or initiate an investigation within the legally mandated 30-day period. This failure to respond is a clear violation of the FCRA and is detrimental to my consumer rights. By not responding within the allotted time, Experian has denied me the opportunity to correct inaccuracies on my credit report, causing unwarranted harm to my financial standing and overall lifestyle. The inaccurate reporting has adversely affected my ability to secure credit, obtain reasonable interest rates, and pursue various financial opportunities.

I attempted to use my prepaid card for a purchase at XXXX on XX/XX/22. I had to split between different cards as the purchase amount was greater than the amount on the prepaid card. The purchase was voided after my card was charged. The amount charged to the prepaid card should have been returned to it, but the refund did not appear in my balance. The store receipt shows the refund went to the card. The card transaction history shows the debit but does not show a refund. I submitted a dispute with the gift card issuer ( incomm ) and they denied my claim, giving me a non-sensical answer that didn't address the situation I described in my claim form. My gift card was purchased from XXXX on XX/XX/22. I disputed the missing refund with Incomm on XX/XX/22. I'm including the purchase receipt of the gift card, photos of the front and back of the gift card, transaction history of the gift card ( showing purchase but not refund, ) my claim form that I completed for Incomm and the store receipt showing that the card was refunded. Also included is the response Incomm sent me on XX/XX/22. This reports they found that the card was present for the transaction -- which was not the dispute. The dispute was that the refund did not appear on the card balance, as clearly documented in the dispute form I completed with them.

XXXX XXXX reported my account passed due which was due to mobile app issues on their end. Did not get alerts or notifications of payment due. Unable to login to app Transunion XXXX XXXX All show this info that was no fault of my own

I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

I have tried several times of the past few days to reason with this company, & they flat out refused to help by correcting. I brought to theyre attention that there are inquiries that I dont recognize on my report & there is absolutely no action being taken. These are the following inquires : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

I reached out to Discover customer service on XX/XX/XXXX to understand how my payments were applied considering I had multiple different interest rates via promotional opportunities. The agent replied : Minimum goes to the lowest apr ( 0 % ) and the rest of the payment applies to the highest apr. and if the highest apr is paid to {$0.00}, then the payment will go to the next highest apr ( promo 4.99 % that expires soonest, XX/XX/XXXX. However, this is not what occurred. On my statement ending on XX/XX/XXXX my balances were as shown below and my minimum payment amount was {$230.00}, due XX/XX/XXXX. {$240.00} at 15.49 % {$5200.00} at 4.99 % ( promo expires XX/XX/XXXX ) {$3100.00} at 0 % ( promo expires XX/XX/XXXX ) {$4000.00} at 4.99 % ( promo expires XX/XX/XXXX ) By the agent 's reply, considering for my statement ending XX/XX/XXXX, and the fact that I made a payment total of {$2300.00}, I should have seen my 0 % balance decrease by {$230.00}, and then my remaining {$2000.00} would have paid the {$240.00} balance completely, and the remaining {$1800.00} would have paid down the 4.99 % APR balance for the promo expiring XX/XX/XXXX. On my statement ending XX/XX/XXXX my balances were shown as below and my minimum payment amount is {$210.00}, due XX/XX/XXXX. {$200.00} at 15.49 % {$4200.00} at 4.99 % ( promo expires XX/XX/XXXX ) {$2900.00} at 0 % ( promo expires XX/XX/XXXX ) {$4000.00} at 4.99 % ( promo expires XX/XX/XXXX ) I reached out to Discover to have them explain and all they replied with is : " We usually apply your minimum payment to the balance with the lowest APR. Anything paid over the minimum typically applies to balance with the higher APR. When you have multiple promotional balances at the same rate, payments apply to the balance expiring first. '' I think Discover is not applying my payments correctly so they can collect additional interest. If the logic Discover gave me held true, my XX/XX/XXXX statement should have seen {$230.00} come off of my 0 % balance, and instead, the balance was only reduced {$220.00}. The my highest apr should have been paid completely, but it was only reduced by {$41.00}, and my remaining payment should have applied to the 4.99 % APR with the promo ending XX/XX/XXXX, and that balance was only reduced by {$1000.00}. My balances were only reduced by a total of {$1200.00} ( not including my balance on the other promo offer increased in the amount of {$17.00} ) but I made payments in the total of {$2300.00}.

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : AMERIHOM MTG XXXX Date Opened : XX/XX/2019 Balance : {$0.00}

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

This company is reporting 2 inquiries on my report that are inaccurate. These inquiries are hurting my credit score and hurting my ability to get the credit lines I should.. The Fair Credit Reporting Act indicated that all information on my report must be accurate, verified and deleted if inaccurate. The following items need to be deleted as well as my reason for the deletion. XXXX XXXX -- -- XXXX XXXX -- -- NO account and not a permissible purpose. XXXX XXXX -- -- XX/XX/XXXX -- -- I do not recognize this as an account. Please assist me in getting these items verified and ultimately removed!

I am writing to express my extreme frustration and anger with the inaccurate information on my credit report, specifically regarding the address and accounts that are being reported. Despite numerous requests to have the address XXXX XXXX XXXX XXXX GA, XXXX removed from my credit report, it is still being reported as my address. I have never lived at this address, nor have I ever had an ID associated with it. My actual address is XXXX XXXX XXXX XXXX GA, XXXX, which I have repeatedly provided to you. Your failure to remove this inaccurate information from my credit report is a clear violation of my consumer rights and shows that your records are unreliable and flawed. This is unacceptable and has caused significant harm to my creditworthiness and reputation. Furthermore, I demand that the XXXXXXXX XXXX XXXXXXXX XXXX Account Number XXXX and XXXX XXXX XXXX XXXX be removed from my credit report immediately. These accounts have absolutely no business being on my report and are further proof of the inaccuracies and deficiencies in your reporting practices. I demand that you take immediate action to remove all inaccurate and unauthorized information from my credit report and take steps to ensure that this does not happen again in the future. Failure to do so will result in legal action against Experian for violating my rights under the Fair Credit Reporting Act and for the damages that I have suffered as a result of your negligence.

Despite an account being closed for over a decade, XXXX XXXX XXXX XXXX is reporting a current delinquency for the month of XX/XX/XXXX on my credit report at the XXXX, Experian and XXXX consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, this account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over XXXX years old and must be removed from my credit report.

On XX/XX/XXXX, an unauthorized wire transfer was debited from my checking account. The thieves also attempted to make a second unauthorized wire transfer. My husband was the victim of a SIM swapping scheme : his phone and email were disabled. He went to a bank branch minutes after the unauthorized transfer. The bank was able to stop the second pending wire transfer. The bank froze the account and opened a new account. We provided timely notice to the bank by reported the unauthorized transfer on the same day. The bank took action by voiding the second transfer, freezing the account, and opening a new account. The bank did not, however, attempt to recall the unauthorized funds until XXXX, XXXX, when my husband went in person to the branch to inquire about the status of the case. The bank did not open a fraud investigation until then, months after the incident. At that time, the funds were no longer in the bank that had received the transfer. The bank has not refunded the unauthorized transfer, as required under the Electronic Fund Transfer Act and Subpart A to Regulation E. The bank claims that this case was a " scam '' in which my husband provided account information to the party who initiated the wire transfer. He does not recall providing his information. However, under 12 CFR 1005.2 ( m ), even if he had provided information to a person who obtained the information through fraud or fraudulently induced him to share account access, the transfer would still be unauthorized and the bank must refund the funds. My husband and I have contacted the bank on multiple occasions on the telephone and in person at the branch ( e.g., XX/XX/XXXX call, XX/XX/XXXX in person and by phone, XX/XX/XXXX by phone, XX/XX/XXXX by phone ). We have filed affidavits with the bank. The case remains " under investigation '' Note : the first attachment shows the two unauthorized transfers, one listed as pending. The second attachment shows the account balance after my husband went to the bank and stopped the pending transfer. As stated above, the bank did not attempt to recall the completed transfer until months later.

Navy Federal put in my account {$500.00} that was a dispute in XX/XX/2022 and then on XX/XX/2022 then decided to denial the fraud credit and put it on my account without any notice

on XX/XX/XXXX, I have made a loan with BMW Financial Service. I'm in a good standing paying customer. The account is XXXX. This loan is suppose to mature in XX/XX/XXXX. Since today, XX/XX/XXXX, I've officially pay off the loan via ACH transfer, which I've done so for past years as their customer. Yet, they will not release the loan due to ACH transfer is not a source of verified fund. I've been paying from the same source for the past 5 years on different accounts of loan with BMW FS. I do not think they are treating my right for pre-terminated the loan equally. I've attached a screen shot of my loan has satisfied for your reference.

XXXX XXXX - this is my 2nd complaint I have filed against them in the last 12 months. Today, XX/XX/2019 they contacted a family member who does not live in my home and is not my child or spouse looking for me. I have advised them after I filed the first complaint to not contact me before XXXX they continued. I than escalated to management and they advised they would only contact me by mail which they have and I have received the correspondence. Contacting people I do not associate with that are not my immediate family such as spouse or children which are minors is unacceptable. The representative was very rude and stated they can contact whoever they want to reach me. I need this company to stop the a harassment. It is a violation of my right as a consumer.

I have sent XXXX XXXX and transunion since XXXX I sent several certified letters from the post office that require a signature once receive, stating that this information on my credit report is inaccurate from the inquires to the collection I am a victim of identity theft. I send them copies of police report it's XXXX its this wrong and fraudulent information they reporting. Now I had hire a lawyer 2 months ago and been sending them letters and still not remove. This false information is stopping me from providing for my kids it's hard to rent etc and this is wrong information they putting out.

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 Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$8700.00} Closed Overview You've paid off 0 % of the original amount. Balance {$8700.00} Highest Balance $ XXXX Monthly payment No Info Opened XXXX. XXXX, XXXX ( 4 yrs, 9 mos ) Term 72 months Payment History Youve made 18 % of payments for this account on time. Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Worst Payment Status Charge-off Remarks Consumer disputes this account information Charged off account

I have received two letters from " Revco Solutions , Inc. XXXX XXXX XXXX XXXX OH XXXX '' for faulty or fake debt that the company claims I owe XXXX for electric services to an apartment I lived in XXXX years ago ; however, I check my XXXX account which, I closed out in XX/XX/2020 in full, and XXXX indicates I did not owe them anything and no longer have an account with them.

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. I told the Experian, XXXX, and XXXX to reinvestigate these accounts : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report. 2. Late Payments Not Authorized To Be On My Report No written authorization was given XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 3. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 4. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 5. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes, antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) 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. Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account : XXXX XXXX XXXX XXXX Balance : {$46000.00}

Unbeknownst to me, XXXX XXXX XXXX, XXXX. filed a lawsuit against me without informing me. I received numerous attorney advertisements via USPS stating that XXXX XXXX XXXX has filed a lawsuit against me to collect a credit card debt. I went online to the XXXX XXXX XXXX XXXX XXXX website and saw that they violated HIPAA by sharing my doctors information and tests that were conducted on the credit card statement XXXX XXXX XXXX posted publicly for the whole world to see. This information should have been redacted. This has caused severe stress and anxiety. I am XXXX with a severe and debilitating illness. They violated my privacy and caused my health to decline even further.

I wrote to the Attorney General about this erroneous debt collection from XXXX XXXX XXXX. I had 2 auto loans during the period of XXXX to XXXX and was overcharged and taken advantage of for having poor credit, being charged over 23 and 26 %. I reported this to the Office of the Attorney General and was supposed to be included in a Class Action Lawsuit led by Office of the Attorney General in Illinois and XXXX XXXX was ordered to be the Administrator and they sent out notices for money damages and also consumers would be allowed to keep their current vehicles and others have their past loans forgiven by having their credit reporting be removed. I am a part of the class action and I got a letter from the Attorney General 's Office in CA and have sent them several emails and certified letters that XXXX was NOT removing their collection of over {$13000.00} from my credit report. To this date, it still shows up on ALL my 3 credit reports. I have written to ALL the credit bureau agencies and showed them this letter and they also continue to break the reporting laws and XXXX continues to be defiant and harass me and ruin my life by failing to remove this from my credit reports. I can not get any good decent job for almost 7 years now and I can not buy any decent car nor a decent home with the poor credit. I want money damages for this and immediate removal from my credit reports. I want CFPB to enforce the laws and help me with this!

I dispute this amount sought and debt in the entirety. XXXX and XXXX has been harassing me for over twenty years now and this shenanigans need to stop. Theyre abusing the courts and using scare tactics against XXXX XXXX people. Ive been a XXXX member since 2018 and they did not authorize XXXX and a XXXX to collect any debt on their behalf. XXXX and XXXX can not validate the debt that they are suing me for

I have some information reporting to my credit report that is invalid! Some doesn't belong by to be and the other is not reporting correct! I have listed all details below XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Highest balance {$19000.00} Balance {$12000.00} During XXXX, and the pandemic I had some lates on my car payment, I called them and made arrangements to have them work with me and they advised they would and did and that to us wouldn't effect my credit negatively. Well below are all the dates I was reporting late and since they told me it wouldn't be reporting I feel like it shouldn't XX/XX/XXXX 60 days late reporting XX/XX/XXXX 60 days late reporting XX/XX/XXXX 60 days late reporting XX/XX/XXXX 90 days late reporting XX/XX/XXXX 90 days late reporting XX/XX/XXXX 30 days late reporting XX/XX/XXXX 30 days late reporting This account below is an account I paid off, it has derogatory payment history and I paid this account on time and paid it off! XXXX Account # XXXX Opened date XX/XX/XXXX Balance {$0.00} These accounts below do not belong by to me XXXX ) XXXX XXXX # XXXX Opened XX/XX/XXXX Balance {$210.00} XXXX ) XXXX XXXX XXXX # XXXX Opened date XX/XX/XXXX Amount {$170.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX ) XXXX Account # XXXX Opened date XX/XX/XXXX Balance {$850.00} XXXX ) XXXX XXXX XXXX Account # XXXX Opened date XX/XX/XXXX Balance {$1900.00}

A LETTER TO REMOVE ALL INACCURATE INQUIRIES FROM REPORTS WAS SENT TO XXXX, XXXX AND XXXX ON XX/XX/2021.

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Hello, I bank with chime for my checking and credit. I first filed a dispute for XXXX on Thursday XX/XX/XXXX. This purchase was for a deposit down on a my first apartment after speaking with the " merchant '' about sending me my a check or to XXXX me my refund. They said they couldn't XXXX me. They sent me a check that I couldn't cash! But I tried XXXXXXXX XXXX but turns out the check was unpaid for. I contacted the " merchant '' and they said to work with my bank and that was that. The dispute was closed wensday XX/XX/XXXX. After I got that emailed I kept calling them about rebuttals. I filed over 10 rebuttals with more than enough information about the situation.

Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified ''

ask band to send statements, they didn't

XXXX XXXX I am responding to your notice that you placed in my consumer re-port under collections about a debt you are trying to collect. Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. Provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was trans-ferred. When you identify the original creditor, please provide any other name by which I might know them. In addition, tell me when the did you obtained the debt. Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. Best Regards,

XXXX and all of XXXX BestBuy/CBNA keeps reaging a debt even though they sent me a 1099-C and debt cancellation letter agreeing there was a {$0.00} balance and the debt was cancelled through CFPB complaint and in the mail. Now they are adding a balance past due monthly all over again, even past the statute of limitations here in North Carolina, constantly reporting a past due balance of {$2000.00} to my XXXX report and my XXXX report purposely destroying my credit making it seem like it is a new debt and newly past due every month. They only temporarily fixed it after I first complained with CFPB but then continued these practices on my credit reports once again. This is my second time trying to get help with this company reporting a balance even though they stated to CFPB and myself that they willl report a XXXX balance and fix that false past due reports years later. I sent them the letter in the mail and a letter stating my issue with no action. I want all the past due removed from my XXXX and XXXX reports as soon as this is received and I want the {$0.00} balance to show on these reports. I shouldn't be charged taxes with a 1099-C then suddenly it is past due even being a very old debt that they promised to remedy assuring a reporting of a {$0.00} balance.

To Whom it May Concern, This letter is in response to your recent claim on regarding XXXX XXXX XXXX which you claim has been late in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This has not been updated as needed. By not replying in a timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. I would be seeking damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NC XXXX Social Security number : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC. XXXX XXXX XXXX

After reviewing my most recent credit report I see an account listed for XXXX, however I see that the information listed for that account is incorrect and such incorrect information will further increase the negative impact on my credit scoring which is unfair to me as a consumer. Equifax has this account listed with incorrect DATE OPENED of XX/XX/2020. I spoke to XXXX and entered into a payment arrangement ( attached is text from XXXX confirming the payment arrangement ) so why is this account being listed as in collections, when I am clearly in an agreed payment arrangement which does not need any further collections activity or status or notifications. Why has Equifax not conducted the correct due diligence in reporting this account, their actions either negligent or willful misconduct can have caused an unnecessary further damage to my credit report and overall credit scoring.

I opened my new checking account on XX/XX/2018 in the XXXX XXXX branch, with a flyer for a bonus offer of {$250.00}. The bonus is earned if 3 recurring bill pays are set up. However, my account, since XXXX, has been unable to sign up for bill pay. I called them up several times about it and they created a ticket for it, but no one called me back as they said they would. I am being treated differently than other customers. I should be able to earn the bonus. A few minutes ago I tried again to click the sign up button for bill pay and it still says there is an error and to call customer service. This was a bait & switch.

Wells Fargo charged me an ACH claim reversal which caused my savings account to become negative. The negative balance in the account was supposed to follow bankruptcy and remove the negative balance. However Wells Fargo did not clear the negative balance in the savings account they caused by Claim reversal. Additionally all the Wells Fargo credit accounts have been discharged. Chapter XXXX as such Wells Fargo needs to properly report these to XXXX instead of reporting as charge off on the note loans.

INACCURATE AND UNAUTHORIZED ACCOUNTS AND INACCURATE ADDRESSES ARE ON MY CREDIT REPORT.

I pulled my credit report to find a XXXX account reporting that I never had. I contacted all 3 bureaus who's reporting this information, and i contacted verizon themselves. All 4 entities advised me that this account has been verified as accurate. The part that bothers me is that the account was opened in XX/XX/XXXX in which at that I was only XXXX years old as I am only XXXX right now. My birthdate is XX/XX/XXXX so there is no way possible I opened a XXXX Account at XXXX years old.. Is that even legal? There were also some other inaccuracies I noticed ... Can you please help me with this? ( Screenshot attached )

Ive spoken with the office to let them know, I was not aware of them not being in network with my insurance, I keep asking them to please verify before I'm seen and they keep telling me that everything is good with my insurance. In accordance with the Fair Credit Reporting Act XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

I never received the {$500.00} bonus for opening up a Business Advantage Fundamentals checking account with Bank of America. At the time of applying for the checking account Bank of America offered a {$500.00} sign up bonus for new customers who met the requirements. Customers were able to apply for the account online at " https : XXXX '' for any new customers. **Note ; Bank of America XXXX changed the terms of the bonus some time during XXXX, XXXX from " new customers '' to " specific customers who received targeted invitations '' 1 ). Bonus requirements from Bank of America per their web link at the time of signup ( XX/XX/XXXX ) " https : XXXX '' - Must be new Bank of American business checking customer - Within 30 days of opening up an account, fund the checking account with {$20000.00} minimum funds from non Bank of America source -Maintain a minimum average balance of {$20000.00} from days 31 to 90 calendars of account opening - {$500.00} cash bonus paid to the account within 60 days of meeting requirements. 2 ). Here are the applicable dates and accompayning info for my account ; XXXX ; Applied for account using the link https : XXXX, which automatically applied the promo code " XXXX '' during the signup process for {$500.00} bonus for new customers who meet the terms of the bonus. XXXX ; Received an email from Bank of America of account approval. Deposited {$25.00} check XXXX ; Deposited {$100.00} check XXXX ; ACH transfer deposit {$10.00} XXXX ; Deposited {$20000.00} check XXXX ; ACH transfer deposit {$20000.00} XXXX thru XX/XX/XXXX ; Balance is over {$20000.00} ( 30 days after opening acct ) XXXX ; ACH transfer withdraw {$19000.00} ( 31 to 90 days after opening acct ) Min avg balance during this period is above min {$20000.00} avg to meet the bonus requirements XXXX ; ACH transfer withdraw {$15000.00} I've contacted Bank of America representatives several times , but without much success in rectifying this issue . Most aren't aware of the bonus or keep transferring me to different departments with long hold only for the call to be dropped again.

XX/XX/2021 the agreement was signed with Preferred Lease on a purchase for a sofa that is 700 that i got approved for now Preferred lease has posted two credit balances on my report of {$1500.00} on XX/XX/2021 and a new {$1600.00} on XXXX XXXX, 2021 with out any notices that there would be any changes to my balances

I'm writing in reference to my son 's checking account that I am on as authorized user with Wells Fargo. My son whom is XXXX yoa just graduated from high school this XX/XX/XXXX had his wallet stolen. I am very displeased with how WF has handled this case. My son 's account was comprised by thieves and now he is currently being punished for others crimes. I have called and written several times that my son nor I have authorized ANY transactions that occurred on XX/XX/2018. The transactions occurred online, ATM, and in a branch. Also, the locations of these transactions are over two hours away from where we live. I have requested repeatedly to have footage pulled to show fraud was committed. As well as look at the account history to show never have so many transactions occurred in one day. Clearly WF should be able to tell that more than 5 transactions occurred from opening of two checking ( ending account # XXXX ) and savings accounts ( ending # XXXX ). These individuals were depositing, transferring, and withdrawing funds before anyone could catch this. Also, it was proven that checks were deposited with irregular signatures as well as third party names. None of those checks were written out in my son name or mine. Now the account is in negative status of over {$1500.00}. I have tried to handle this situation myself, but it seems I have not been able to get a fair resolution and being that WF does not believe or trust their own customers in trying to explain that we have been victims of financial fraud. It is evident that this day in time thieves are able to hack into someone personal business and life and destroy it and this is the case with our account. I have attached documents to show all the transactions that occurred on XX/XX/2018 as well as the checks that were deposited.

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

FCRA violations not mine see the Ftc : Afni AFNI Reported balance {$1400.00} Check if I should dispute Dismiss this action

XXXX : Being XXXX XXXX, I had to exercise one of my SCRA benefits, and terminate my cellular service contract early, due to XXXX to a location where my current service was not yet provided, as well as getting ready to deploy on a XXXX, where you don't get cellular service, for 100+ days. I called XXXX, and explained the situation to the agent. The agent okayed my early contract termination, waived the termination fee, and provided me with my final amount due. I paid the final amount, and the agent verified I didn't owe anything further, and closed my account. XXXX : I get a letter in the mail from Pinnacle Credit, letting me know they were attempting to collect a debt for XXXX, stating I owed them {$380.00}. Confused, I called XXXX and asked them why I owed them. The agent couldn't tell me because my " account was sold ''. I asked why XXXX never contacted me to let me know. They claim they did, but I was deployed, so I wouldn't know. My wife saved all mail, unopened, addressed to me, with the exception of any utility/service bills that we shared that had to be opened to be paid, and none were from XXXX, but one was from Pinnacle Credit. She never recalled seeing anything from XXXX. I then called Pinnacle Credit and inquired about this supposed debt. All they would tell me was that it was regarding my XXXX Account, and that I owed {$380.00}, and needed to pay. I then informed Pinnacle that the debt was not valid, as I am XXXX XXXX, and had exercised my benefits under the SCRA, and I would be sending them a Debt Validation/Verification/Cease and Desist ( unless to validate/verify the debt, via letter ). I sent the letter via certified mail, and waited, and waited for verification/validation of that debt. Free yearly credit report time rolls around, and I hop on to each of the credit bureaus, and to my didmay, for the first time ever, there are negative remarks/reports. From Pinnacle Credit. I open up a dispute with each bureau, stating that it had been over SIX months since I had sent a validation/verification letter, via certified mail, to Pinnacle Credit, and I had yet to receive a response. I also mentioned that the original debt was not owed, as I was afforded benefits under the SCRA, which I exercised, and that the original creditor ( XXXX ) assured me that I was fully paid up when they closed my account. When I received replies from each credit bureau, they were all in agreement with me, and the negative remarks/reports were removed from each of my credit reports. XX/XX/XXXX : I receive a piece of mail from XXXX XXXX XXXX XXXX XXXX. OH. MY. XXXX! This company is attempting to collect a debt of {$380.00} for my " current creditor '', Pinnacle Credit, who is trying to collect a debt for my " original creditor '', XXXX. I send a Debt Validation/Verification/Cease and Desist ( unless to validate/verify debt via LETTER ), notice of past Statute of Limitations, and also bring up the fact that I was XXXX XXXX at the time, and still am XXXX XXXX, and was, and am, exercising my SCRA benefits. XX/XX/XXXX : ARE YOU XXXX KIDDING ME?!! I receive a letter, this time from XXXX XXXX, XXXX, stating that I have a debt of {$380.00}, owed to my " current creditor '', Pinnacle Credit. This letter also states that " Pinnacle Credit can not sue you or report on your credit fot this debt. '' They go on to say that I have to notify them within 30 days that I dispute the validity of the debt, or they will assume it's valid. HOLD UP! So, I send Pinnacle the first debt validation letter, so THEY KNOW I am seeking validity/verification of the debt, but even after TEN YEARS, they have YET to send me any such letter. Even so, they SELL this debt to one company ( XXXX XXXX XXXX ) ; I send another validation/verification letter to THAT company, and then Pinnacle SELLS THE DEBT AGAIN, this time to XXXX XXXX XXXX? What the XXXX? So, I have yet ANOTHER validation/verification letter I have to send, via certified mail, AT MY COST. It will be sent today, Monday, XXXX, XXXX, XXXX. If it's NOT illegal to sell debtspast the SOL, it SHOULD be. If it's NOT illegal for a company to just keep reselling debt past the SOL, instead of sending validation/verification, when a LETTER REQUESTING IT HAS BEEN SENT, it SHOULD be. If it's NOT illegal to keep pursuing a debt past the SOL, even though you KNOW the debt is being disputed because it was acquired in a manner that violates any law or act, including the SCRA, it SHOULD be. Not only do I feel harrassed by Pinnacle Credit, I hold a XXXX XXXX, and even though I can easily explain this DEBT I DO NOT OWE, it still looks unprofessional.

There has been a Federal Trade Commission Report put in ( Attached ) who has collaborated with local law enforcement in creating a Police Report ( Attached ). For the following accounts on my credit report by creditors who have violated federal, and state laws in using deceptive/fraudulent credit reporting tactics. These accounts were removed, and re inserted on my credit illegally. Experian is required to remove these negative items. Since the evidence that was submitted is being ignored, the law enforcement report is evidence enough to warrant a removal.

My Merrill+ by Merrill Lynch ( Bank of America Corp ) credit card account was closed without my knowledge and without any prior warning, on XX/XX/20, by Bank of America ( BoA ). I called BoA on XX/XX/20 and inquired about the points balance of approximately XXXX points that I had on said card. The rep I spoke to said despite the card being closed, I still had that useable points balance that I could cash out at that time if I so desired. I declined and explained that Merrill+ points in the amount of XXXX could be used for a flight ticket worth {$500.00}, and that if I exchange my points for cash, they'd only be worth {$260.00}. She assured me the points would remain unchanged until I used them. I also complained that the card had been closed without any advanced notice ( which would have prompted me to use the points for fear of losing them ). The rep said BoA usually sends out a letter notifying of pending closure. I did not and have not received any letter and the rep was unable to provide any confirmation as to whether BoA followed their " usual '' policy of a letter. On XX/XX/20 I was ready to use my points for a flight and spoke with a Rep " XXXX '' who said any points I had would have been lost upon account closure. She escalated the issue through their process. On XX/XX/20 I received a letter from BoA stating that their final position was that I would not have access to my points.

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. XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2. it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C.1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S. C.1681s-2 ( A ) ( 1 ) person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have some fraudulent accounts on my credit report. Please see attachment

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$440.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$630.00}

Basically my car was repossessed recently due to the fact that I miss some payments on my lease. The reason why I missed payments is because I recently switched my credit card numbers due to a recent fraud claim which is actually identity theft and the payments were an auto pay so I didn't realize that it wasn't going through. to make my point stronger I didn't get any notifications saying that I didn't pay that month or anything like that and for that reason I have no idea of the situation and he randomly repossessed my vehicle I would like this repossession on my credit report should be cooking off my report because this will affect me immensely in my future career I always pay on time and this was a total mistake and unfair thank you very much XXXX XXXX

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX {$6900.00} XXXX XXXX {$900.00}

I requested removal and reinvestigation by XXXX of an erroneously reporting bankruptcy record. I sent the request by letter dated XX/XX/2022. XXXX responded through letter dated XX/XX/2022 that they were " unable to verify the accuracy of the bankruptcy case.. '' and " subsequently removed this record from [ my ] XXXX report ''. XXXX removed and is no longer reporting this public record as of XX/XX/2022. I requested removal and reinvestigation by XXXX of the erroneously reporting bankruptcy record. I sent the request by letter dated XX/XX/2022 using certified mail - tracking number # XXXX. XXXX responded through letter dated XX/XX/2022 that they contacted " a third party vendor to obtain the most recent status of the public record '' and that they verified " public record items [ they ] obtainedthrough a third party vendor, XXXX ''. How could XXXX verify this bankruptcy record with XXXX? XXXX removed and is no longer reporting the public record as of XX/XX/2022. I requested a 2nd reinvestigation by XXXX of the erroneously reporting bankruptcy record. I sent the request by letter dated XX/XX/2022 using certified mail - tracking number # XXXX. XXXX again responded through letter dated XX/XX/2022 that they verified " public record items [ they ] obtainedthrough a third party vendor, XXXX '' and that they " have verified that this public record item is reporting correctly ''. Again, how could XXXX verify this bankruptcy record with XXXX? XXXX removed and is no longer reporting the public record as of XX/XX/2022. XXXX has committed multiple violations of the FCRA. Please see attachments. Additionally, XXXX and TransUnion have committed multiple violations of the FCRA concerning this matter. Both XXXX and TransUnion have failed to respond to my request for removal and reinvestigation within the 30 day period required by law. I sent the request for removal by letter to XXXX dated XX/XX/2022 using certified mail - tracking number # XXXX. No response. I sent a second request for removal by letter to TransUnion dated XX/XX/2022 using certified mail - tracking number # XXXX. No response.

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Amerassist AR Solution is reporting a collection/chargeoff for {$200.00} on my XXXX XXXX credit file. I have never had applied for credit or owe a balance to this company. I have disputed debt numerous times with a direct dispute and through the credit reporting agencies. This debt has been on my account for 2 years and 7 months. I have requested proof that I owe a debt and have not received any documentation of what I owe or why this item is reporting on my credit bureau. This is a violation of the FCRA.

Hello XX/XX/XXXX and XXXX I mailed off letters responding to companies saying I owe them. I followed the law and they did not. Im asking for your humble assistance. Its been almost 3 months now. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. These companies .Failed Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

I first reached out to Transunion, XXXX and XXXX XXXX of 2022 regarding inaccuracies on my credit report with my XXXX account. They are reporting inaccurate information from open dates, last report dates, high credit limit, date last active and date of last payment. All of which are inaccurate and unfair to me. I sent certified letters with copies of my credit report and the inaccuracies circled and they have refused to remove them. I keep receiving letters that they have verified the accounts and that everything is accurate. I have reached out to them on multiple occasions and continue to get the same response. Most recently on XX/XX/2022, I mailed out affidavits certified to all three credit bureaus with a copy of the inaccurate information once again and they mailed me letters saying everything had been verified.