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USAA issued credit in the amount of XXXX apparently using my identity in XXXX. In XXXX USAA then charged off the entire amount for no payment and then reported it against me on my credit report lowering my credit score from XXXX to XXXX which is the only way I became aware of this fraud. I touched base with XXXX XXXX to report this fraud to do an investigation. Let me be clear, I have never done business with USAA and never been in the military which is apparently a requirement to do business with USAA

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

I applied for and opened a free checking account with TCF bank on XXXX/XXXX/XXXX, as I was browsing for a new bank and thought to give them a try. I funded my account with a {$500.00} transfer from my existing XXXX checking account on XXXX/XXXX/XXXX. A member of XXXX 's loss prevention team called TCF to verify my account with TCF was in fact controlled by me when I initiated the transfer, and then TCF inexplicably closed my account the same day ( see attached ). I contacted their customer care account on twitter, @ TCFCares, and spoke to a man named XXXX. He gave me his phone number as well XXXX XXXX XXXX XXXX ext XXXX ), and we spoke. He explained that XXXX needed to call TCF again to verify my account was not fraudulent, and so I called the XXXX, IL XXXX branch. I spoke to XXXX XXXX, who is a XXXX XXXX at that location, and she called TCF and explained that yes, my account is legitimate and that the transfer for {$500.00} was in fact initiated by me. I verified my identity with her by going into the branch with my identity documents ( photo ID and a Chase credit card of mine ), and also verified the account at TCF was mine by bringing in the documents I 'd received from TCF in the mail. After this, TCF insisted that I had to actually come into a branch with my identity documents to verify who I was with them. I tried to explain that I live XXXX miles away from the closest branch in XXXX, IL, but XXXX said there was no other way. So, I drove to the branch with my identity documents ( SSN card, photo ID, recent utility bill ) and the XXXX ( XXXX, business card attached XXXX told me that she had submitted my paperwork to the 'back office ' but that I would have to wait XXXX business days for a response. I was logging in to the TCF online banking website every day thinking I 'd get a message there or just see that my account was now 'Open ', but I never heard anything. By the XXXX business day, I contacted XXXX again and explained that I had n't received an update. He contacted the management at the XXXX location I 'd visited XXXX branch XXXX XXXX XXXX, business card attached ) and then told me that they said because my account was still closed, there was nothing they could do and that I would have to come into the branch again in order to withdraw my funds. I again drove XXXX miles each way to make my withdrawal and close the account, and XXXX informed me that my account was listed under 'Hot file ', which indicated it was still considered fraudulent. XXXX verified with XXXX XXXX that XXXX had contacted him earlier in the day about my situation and that I should be allowed to withdraw my funds with my photo ID and just XXXX of the documents I 'd received from TCF, provided me my funds, and closed my account permanently.

RENTDEBT AUTOMATED COLLE Last reported XXXX XXXX, XXXX {$3900.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 1 yrs, 0 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX XXXX This information was placed on my credit and I was not given a chance to dispute debt. This information is incorrect and it needs to be removed

So I was a victim of fraud somebody access my account and use my information to use furniture activities and this account of Bank America was only to add my student loan or maybe other money that comes in from XXXX

Equifax keep on saying that the item displayed on my credit report are correct!! The account is not a charge off, it's a government funded loan.. I could not believe they did a full investigation on the accounts because they are incorrect!! I asked them for detailed response as to how the investigation went but they provided an XXXX XXXX verification.. Please remove the account asap XXXXXXXX XXXX XXXX****

I issued payments to KLARNA via my bill pay through XXXX XXXX in XXXX XXXX, fl. I used the address on their acct information in OHIO and both bank checks were ( for two months ) were returned to me as undeliverable. I them paid KLARNA direct from their website. You can not get through to them via phone, everything is chat. They agreed to remove the negative comment on my credit but I had to determine what day the entry was made, I was unable to do so. Can you investigate for me I would appreciate it. Thank you XXXX XXXX XXXX

I have reached out to XXXX XXXX several times asking them to provide me with Validation of this item belonging to me. After making a complaint they sent me this XXXX XXXX Customer Agreement. I have also disputed this account several times with the Credit Reporting Agencies. Please contact the credit reporting agencies and remove this from my credit reports, It is affecting my credit score and hindering me from purchasing a home. Look at the .signature this isn't my signature, Address, or correct name as appeared on my license The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA XXXX XXXX also Put this account back in collections on my credit report. XXXX XXXX XXXX

XXXX XXXX XXXX repeatedly calls my cell phone to collect a debt that I do not believe I owe. They also send constant mail. Supposedly this debt is from XXXX and was over 7 years ago. I have repeatedly told them it is not my debt by they have not produced any evidence that I actually owe this. Today on XX/XX/2018, at XXXX from XXXX they called me again on my cell phone. When I told the gentleman on the phone this is not my debt he got loud and aggressive with me. In a tone that can be construed as yelling, he accused me of making false claims and told me that this remain on my credit. He was clearly trying to bully me in to paying money I don't believe I owe. I once again requested that the phone calls cease and informed them once again that this is a cell phone. He again said " Fine! This can just sit on your credit then! '' I ended the call.

Hi I am submitting this XXXX 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.

On the evening of XX/XX/2019 I called the AAFES Military Star number to report I was a victim of identity theft and a Miltary Star Card was opened in my name. The representative refused to take any action to prevent charges on this card and refused to file a report. I was told to call the fraud department in the morning. I called the fraud office and they asked me to send an email which I did. I called back to confirm receipt but the AAFES representative initially refused to contact the fraud office. They promised I would receive a letter but I havent. AAFES has not taken any action and is guilty of malicious libel criminal negligence by allowing a fraudulent card to be opened and continued to be used and is breaking the law by not complying with Fair Credit Reporting Act.

This was cancelled debt and is accurately being reported per 15 usc 1681e ( b ). I filed a dispute and it is still reporting to all three bureaus. XXXX XXXX Credit card

I received an alert on XXXX, from XXXX that I had a hard hot on my credit report. I was told it was a credit card application for a Bank of America credit card. I had not applied for a new credit card anywhere so I contacted Bank of America credit card services and fraud unit. They informed me that they couldnt see a new credit cards on my account. I contacted my personal banker at Bank of America XX/XX/XXXX and he also stated nothing new was showing up on my account and nothing could be done. I put a freeze on all 3 Credit Reporting Agencies on XX/XX/XXXX. I received an email XX/XX/XXXX informing me that my credit card application with Bank of America was approved and I would receive a welcome package and card within 14 days. I again called Bank of America fraud unit and my personal banker and they said that they could see the new credit card on my account. It was a XXXX XXXX XXXX XXXX with a {$20000.00} credit line. The personal banker told me it had an address from 2 years ago in another State. Bank of America opened this credit card without my consent using my email and a former address. They should be investigated. This is similar to XXXX XXXX years ago. The fraud unit and banker of BofA should have delved into issue further XX/XX/XXXX and maybe it wouldnt have gone to the point of a card in my name, unauthorized, floating around. in Arizona

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX

I have contacted this company any times by mail and have not received any help or respond. Their customer service would not help take care of the UNAUTHORIZED negative inquiries reporting My credit report. The inquiries are listed as follows : XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX : XXXX XXXX, XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX

On XX/XX/XXXX, I contacted XXXX about a closed account from XX/XX/XXXX. XXXX had sent a collection to a collection agency, ERC, totaling {$200.00} without sending me any notification of the amount owed. After being shuffled around on their telephone help line four nearly an hour, I was finally able to talk to one of the associates who described the charge as a " early termination fee ''. This fee was assessed to my account after it had been closed, and the associate verified that the charge was inaccurate and that the account should be balanced after removing he credited my account the amount owed ( the confirmation number for this is # XXXX ). After I had received the confirmation number, I filed a dispute with the three credit unions, and all but XXXX were able to verify that the collection was not valid. I do have the file number for the XXXX dispute claim in which they conducted an investigation and found the claim to be valid.

In ac15 u.s.c 1681 Section 604A In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 .u.s.c 1681 Section 602a states I have the right to privacy. 15.u.s.c 1681 Section 604a Section 2 : It also state 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 filling items of Information any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years. 15 u.s.c 1681s-2 ( a ) ( 1 ) Aperson shall not furnish any information relating to a consumer to any Consumer Reporting Agency if the person k owns or has reasonable cause to believe that the information is inaccurate.

On XX/XX/XXXX this company called me and then called my exhusband, and they only said, This is XXXX and they needed to ask questions about an investigation. I looked up their number online and it is JPL recovery. They did not state what company they were calling about or what money is owed. Only she needed to ask questions about an investigation. Today XX/XX/XXXX my brother that lives on northern part of this state text me saying this same XXXX left him a message saying she was researching some informing an individual that he knew .I have applied for some loans but never left my brothers name and certainly not my ex husbands name. .I called that number and I can only leave a message, nobody answers. They are harassing me and my family. They need to be put out of business.

I spoke to Experian on XXXX2017 about my concerns. They assured me that the situation would be resolved. It has not. They have done this to me before, I would like my report to be correct.

This is in response to the closed complaint : XXXX by XXXX on the alleged debt of {$66000.00} for account number XXXX. After pulling my consumer report on XX/XX/XXXX, I noticed an unauthorized alleged debt with the balance of {$66000.00} was placed on my consumer report from XXXX dated on XX/XX/XXXX. It also stated that the 'status ' was updated for XX/XX/XXXX and that the date of this alleged debt was opened XX/XX/XXXX. I, hereby state as a natural consumer have never authorized or gave consent for this alleged debt that is misleading and inaccurately reporting by this company. I do not recognize this alleged debt, and upon of asking the company for debt validation including my wet signature, thumb print, photo ID, original contract ( s ), my authorization and consent of this alleged debt of {$66000.00}. Instead, they sent me an unknown document that appears to have fraudulent information regarding my personal information. The document appears to be written by someone other than myself, a fraudulent signature and inaccurate/misleading information. This company states that I must submit a Loan Discharge Application : Forgery to an open investigation for an account that DOES NOT belong to me. It is unethical to do such matter for an alleged debt and an unvalidated account that does not belong to me. I am harmed by this company XXXX and more so anxious of their meaningless investigation. This company abrasively states that this student loan debt belongs to me, as it does NOT belong to me. I see more than five inaccurate information including the stamped date on the document that says XX/XX/XXXX ( how can this be if the alleged account was opened XX/XX/XXXX? ), my middle initial is missing from the first and last name portion, the wrong address in which is NOT my residence, misspelling of my employer, reference information ( I do not have a father XXXX XXXX whose address in is CA or a friend XXXX XXXX whose address is in Illinois ) and the most fraudulent activity of these inaccuracies a signature that is NOT mine. I ALWAYS sign with my middle initial. I do not know how this company has had access to my social security number.as I never given it to them. This alleged debt has just appeared on my consumer report in XXXX of XXXX. My consumer right as a natural person state that as the original creditor I can only validate debt and this alleged debt does NOT belong to me as I've never given any consent and no consent for it to reflect upon my consumer report. This company is in violation of 15 U.S.C 1692, 15 U.S.C. 1692g, and 15 U.S.C. 1692e, ONCE again, this company has not sent me any evidence or proof that I signed or consented to this alleged debt or given any evidence requested on my behalf on how this debt belongs to me other than a fraudulent handwritten document which in turn makes their " verification '' investigation null and void. I will be seeking legal action against XXXX for violation of my consumer protection rights. XXXX has still yet to produce documentation that states I have consent of this alleged debt, a photocopy of identification, wet ink signature, thumb print, video footage and/or witnesses to actively prove this alleged account/debt belongs to me. It appears that this company is willfully defaming my character and abusing my rights as a natural born consumer.

I sent in disputes along with the police report and XXXX, TRANSUNION, & XXXX continues to report these accounts that I do not recognize. Some of these accounts were reported as fraud with the police.

XXXX XXXX XXXX XXXX acct XXXX {$2000.00} I was never late on the loan because it was auto payment. In XXXX It shows inconsistencies between all three reports showing XXXX late payments in XXXX and XXXX late payment in XXXX. This is false and inaccurate. There's late payment in different years in each report Transunion, XXXX, and XXXX and all dates are inconsistent and different. There was no late payment because I had auto payment directly from my bank for auto loan. This account has been in my credit report for over 7 years. Navient account # XXXX is inaccurate in all credit bureaus XXXX, transunion and experian. I was on a deferred loan because I was attending college at the time. There shouldnt be no payments. In experian shows XXXX late payment on XXXX. XXXX XXXX XXXX account # XXXX, {$2200.00} I reported identity theft and purse stolen along with credit card which was used and should have been closed. Shows late payment XXXX, & XXXX. The card does not belong to me. This account has been in my credit report for over 7 years. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, and XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 15U.S.C 1681 section 602A States I have the right to privacy. 15U.S.C 181 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account furnish an account without my written instructions.

XX/XX/XXXX I opened and established an XXXX XXXX account with GINNY 'S, placed my initial order, paid down-payment, and completed my payments in XX/XX/XXXX. On XX/XX/XXXX I placed another order with my account. For some unknown reason, there was a hard inquiry added to my credit. I contacted the company and alerted them to this issue and was told : ( 1 ) that I don't have an account, which the website clearly says I do. I even provided the account number and type. Was still told that I don't have an account, ( 2 ) that they pull credit on EVERY order which violates how revolving credit works, ( 3 ) that all information was on their website which it isn't. I spent almost 2hrs on the phone and still received no resolution.

On XX/XX/2023 i saw that i had sent money to a unknown person {$530.00} dollars and i have made a dispute but it got denied even though I said that i lost my phone recently that i never had a single problem with them like this that i also have been a loyal customer and that i don't think they would want to see me leave chime as a customer. I called exactly that same day i saw the email and i even told them since you have all the person 's info call her or do whatever it takes for he/she to send me my money that i never sent that person.

I have made 4 attempts to dispute items on my credit report with Transunion and XXXX and they are sending me letters refusing to investigate my disputes.

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 reportsno consent is fraud. XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}

On XX/XX/2021, I, XXXX XXXX sent Capital One Auto Finance a right to rescission regarding my auto loan. Under the Truth and Lending Act ( " TILA '' ) 15 U.S.C Section 1635, return my downpayment in the amount of {$7700.00}, double the finance charge of {$35000.00}, the cancellation of any lien against my property, and cancel the contract. Capital One never responded to my hereby request and proceeded to send me statements regarding a payment.

Experian : During dispute phases, this company refuses to remove the account and conduct accurate verification. The accounts are removed for XXXX hours at a time and placed back on the report thus lowering the score by more than XXXX points within a few days. It has furnished inaccurate accounts without the debt collectors first contacting myself in regards to the account. I still do not know what the accounts are in regards to and have never been contacted in anyway before the information was furnished. This has resulted in multiple credit applications and mortgages being denied thus furthering the defamation of my financial character.

I found on my credit scores a hard inquiry on my report. It was from XX/XX/ 2020. This was put on there without my consent. Someone tried to open a credit card with my information. I've contacted Synchrony Bank / XXXX to remove this hard inquiry on my report .They were notified over 30 days ago & Ive contacted them several times to remove it. They still haven't made any attempt to correct this. It is not helping my credit at all.

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by US Bank. After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.

Credut Card forgot number as well as other complaint was rejected {$4300.00} and {$1000.00} Deposit without any reason. I sold rare merchandise and was a wire transfer from a legitimate international bank. I used same buyer many times. Wanted to know why refunds was returned? I didnt know. No answer given to me but has it yet. Buyer assured it was legitimate and nothing wrong from that bank. There was currency exchange to make up for my proceeds. Now, no money, no accounts, no credit cards, no checks. All taken after all cleared before frozen and closed accounts by XXXX fraud department. The funds was good as other banking explained. Now nothing. XXXX has given medical problems than I need.

Despite of my many written requests, the unverified accounts listed below continue to report on my credit file, I am still dissappointed as I found out that there are still accounts on my file that seems to be an error that needs to be corrected. Kindly investigate the following inaccurate accounts below that seems do not belongs to me. Kindly follow the law so that this matter can be resolve immediately. The following accounts below are inaccurate that are needs to be corrected : XXXX XXXX Balance : {$240.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$210.00}.

This year, when I filed my taxes for the XX/XX/XXXX year, I was informed that I would receive a refund. After a few months, I received a notice that I would not get that refund because of debt owed. This company, Midland Management was going to garnish my tax return for owed debt. I am not aware of any debt, so I called the company- I was informed that the debt is from XX/XX/XXXX for a XXXX XXXX XXXX credit card. I told them I was not aware of this debt. They told me that if it was a matter of invalid information that I would need to give them a police report. Considering that the debt is from over 14 years ago, I can not really walk into a police station and file a police report. I did file a report with the FTC. ( I have had previous problems recently with unauthorized tries of opening a credit card in my name ). I gave them this information to which they still requested a police report. Again, I don't have a police report and I can not get one. They notified me that unless I come forward with additional information, they will continue with the garnish. I am wondering if there is any additional information I can offer them or if the fact that they are over 14 years in debt makes a difference. Thank you for your help.

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 there is no third party involved in the filing of this complaint and this complaint has not been made in error.

I see credit inquiries from unknown sources I reported this a while back and its been going on years I have been in military confinement therefore I had no knowledge of my credit use. XX/XX/23

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.

There is XXXX mistakes on my credit report! I have highlighted the mistakes. I have also sent 5 dispute letters but there has been no change! I have attached all documents. Thanks.

Recently I contacted XXXX XXXX because of the corona virus, I was unable to make a payment on time and asked if I could make the payment at the end of the month namely XX/XX/XXXX. On XX/XX/XXXX I made the payment. In the evening of that same date, I received an email from XXXX XXXX. It stated, " Our decision to decrease your credit limit was primarily based on recent delinquency on your account. '' My recent delinquency was due to the corona virus. They also stated, " Our credit decision was based, in whole or in part on information obtained in a report from the following consumer reporting agency : Equifax ''. I'm not sure where they got my report because I have a security freeze on my report for over 15 years. They go on to say, " As of XX/XX/2020 your credit score is XXXX. '' How in the world can my credit score be that low when my bank just gave me a loan to purchase a fence in XX/XX/2020? Additionally, as I previously stated my account is frozen. I am being held heavily accountable due to this virus with a company who seems to be lying to me and discriminating against me for reducing my credit amount which has an effect on my credit score. How is this so? I spoke with XXXX from the management team who put me on hold for twenty minutes and then the phone magically disconnected. He never called. I called back and spoke with XXXX, who wanted to argue that XXXX does not discriminate and my credit score is not my Fico score. I guess she thinks I'm stupid. She had an illogical answer for everything and tried to make it look like I am constantly delinquent by stating you've been delinquent 2 times. XXXX of which is due to the corona virus. I guess she believes that I purposely went to XXXX, contracted the XXXX and brought it back to the United States. The bill was due on XX/XX/2020 and it is now XX/XX/2020. This company was in a rush to mark things against me credit wise because I am Elderly and am an XXXX female.

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.

XXXX ACCOUNT XXXX after reviewing your reinvestigation I noticed some violations On my credit report that you claimed that you had verified there is a lot of incomplete information that is reporting look at the payment history on this account starting from XX/XX/XXXX you are reporting ok all the way up until you get to XX/XX/XXXX and XX/XX/XXXX it starts going to unknown states YOU CAN NOT DO THIS PER THE FCRA ALL INFORMATION MUST AND SHALL BE REPORT 100 % CORRECT You can not report information like this per the FCRA I HAVE ASKED YOU FOR MONTHS TO DELETE THIS ACCOUNT BUT YOU KEEP COMING BACK SAYING YOU VERIFIED THIS ACCOUNT IN WHICH YOU DIDN'T I'm asking you to delete this account permanently or if you plan of doing another dispute I'm going to need from you is a payment history starting from XX/XX/XXXX - XX/XX/XXXX from the creditor But this should be deleted

We purchased our car on XX/XX/2023 at US Auto Sales in XXXX South Carolina. We made two initial down payments. One was for {$38.00} and the other was for {$500.00}. We then traded in our previous vehicle which took 3 months for the previous lien holder to receive payment. We also purchased warranty coverage with our vehicle. We received no formal notice of our account being transferred. Just an email from the new company that was taking over the loans. After checking our account we found out that none of our payments were being applied to the loan that was transferred to Westlake Portfolio ( who does not have a copy of a signed contract with the wet signature on file for themselves and I ), instead every part of our payment was being applied to interest only. When questioned about it the agents act like they didn't know what was going on and I got hung up on a few times. I also asked about the warranty coverage and was told that I just need to continue paying the amount that I agreed on with US Auto Sales as they will not be offering the warranty coverage and they did not have any proof of warranty for us but will continue charging us the full payment including warranty cost. When transferring our account to Westlake, US Auto Sales did not include the down payments or the previous payments that we paid to them for {$240.00} before they shut down. We are 5 months into our car purchase paying {$240.00} bi-weekly and the loan is reset to what it originally was when we purchased the vehicle. Westlake refuses to do anything about it and no one can give a straight answer. After doing research we also found that XXXX ( the warranty company ) spoke to WL in regards to the warranty and payment included in our service contract with no solution. The contract was breached when it was written with US Auto as we were told it was never funded even with us making payments.

Dear Credit Bureau Manager/Leader ; Listen, Im extremely upset, stressed, shocked that you havent legally verified these accounts that Ive screenshot below. Its impossible that you couldve legally verified or investigated these charge-off or collection accounts because it continues to report incomplete, unverifiable, misleading, and erroneous information into my credit report. Its my understanding reading the consumer laws under the provisions of FRCA, FDCPA, and FCBA, FCC, etc. For example, in order for these accounts to be reported on my credit report, it needs to adhere the consumer guidelines, and it needs to be 100 % accurate, 100 % verifiable and 100 % timely. Every factor of these accounts to be as accurate as possible. Unfortunately, when I called and reached out to these companies, its either got transferred or reporting questionable balance, inconsistent dates of last payment, dates of last reported, dates of last active, dates of last opened, inconsistent payment history, and inconsistent account status, and high credit balance should be higher than the actual balance. Therefore, these accounts are unverifiable and incomplete, and misleading. This is illegally causing these accounts to illegally re-aged and its in violations of FCRA. Please delete these accounts from my credit report immediately from my credit report and send me an updated credit report once it has been deleted. THANK YOU!

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 Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX has violated my rights. Or 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.

A company called Credit Plus did a hard inquiry, although I have not spoke to anyone about getting a loan of any kind.

XX/XX/2014 I had advised these XXXX companies National Collegiate Trust and American education Services who administer the loan for National that this account was an Identity Theft. I have sent them numerous packet of affadavits and police reports regarding the theft and their own paperwork that shows that my signature was forged. I have sent numerous letters to the Vp of Loan Operations I have even put complaints in on this site and they still have not responded nor have they taken the information of my credit report. What they have done is send the account to XXXX different collection agencies that harrass me about this account until I send them the identity theft paperwork. I have also filed complaints with the board of ed and federal trade commission. But to no avail. I feel these companies are just scam companies and should be put out of business!!!!!!!!!!!

I bought some brake pads from XXXX XXXX using my Amex. They sent me the wrong thing for my car. When I tried to return them they said I would have to pay the shipping to return. I disputed the purchase on the Amex card. When I did this, they removed the charge of {$36.00}. Then they denied the dispute and added the amount back to the card. I disputed it again. Amex took {$36.00} off again. They denied the dispute again and this time they put {$72.00} on the card -- doubling the charge incorrectly. I called them and tried to tell them that they had made a mistake. One guy I spoke to did not know what to do and hung up on me. I called back again and still got nowhere. They refuse to understand that they incorrectly doubled the charge. I mean {$36.00} - {$36.00} = {$0.00} + {$36.00} - {$36.00} = {$0.00} + XXXX - {$36.00}. Since I could not get them to understand, I just paid the {$36.00} on XX/XX/2023 hoping they would straighten out their terrible math. I had paid the balance in full the month before, so the only amount that should have been charged was the {$36.00}. My balance should have been {$0.00}. Instead, they added a {$29.00} late charge saying I did not pay in the month of XXXX. They have not only assisted XXXX XXXX in committing fraud, now Amex is making up charges on my account. I have had this card for 30 years and I have NEVER paid late. I no longer am doing business with Amex and yet, they keep making up charges on my account. For instance, they were trying to charge me for orders that I cancelled and they knew I cancelled, but they did not take the charges off. Please make them straighten out the doubled charge and make them get rid of the late charge since I paid them in XXXX. There should be no late charge.

I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, XXXX, and Equifax. I have informed the consumer reporting agencies XXXX, XXXX, and Equifax by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

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 deleted from erroneous reporting in my file are listed on my credit report. Thank you. XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Dear Sir/Madam We received your collections letter dated XX/XX/XXXX. We had got the service from XXXX back in XX/XX/XXXXfrom XXXX XXXX we were assured that the service in XXXX would be superb and if not satisfied we could return everything back online iwithin 14 days for a full refund. Upon arriving in XXXX, XXXX the service was extremely poor. We called customer service on the 13th day and were asked to return all the equipment the nearest XXXX store which we did and asked the person there to cancel everything one of the phones we didnt have the box a XXXX phone so we decided to pay for the phone. He accepted everything and asked him also to cancel the service and we had also asked the customer service rep at XXXX to Cancel the account. We paid what we used and called it quits. Couple weeks later we receive a bill and I went to a XXXX store spoke to a rep who asked me to call th toll free number to inquire and were told the account was cancelled but there was an outstanding again I paid like XXXX $ on XX/XX/XXXX and was told no other outstanding. By this time I had already spent 10 manly hours calling the toll free number and visiting XXXX stores back and forth. Suorisingly a month later I get another bill so I make a call to XXXX where I was told I would get a call back in 24 hours after waiting for 1 hour talking to several CSRs but no one called me back. Once again we called about 4 times and visited the XXXX store 3 times and every customer care rep said that in the system it clearly says that we had said to stop thyou account then why was one number still not cancelled my question is how do I know what th CSR puts in the system and that one line was never used but we were getting billed fo when w had requested to cancel the account. Every time I was told that my bill would be adjusted and there would be no more payment that would be needed to pay but I kept on getting a bill after when that account was cancelled. I have seen this practice by XXXX and a lot of people have complained regarding this in the past. I am forwarding this email to my lawyer also for malpractice and the FCC. Kindly go their system where you will see how many we called after that now the bill from XXXX to XXXXand finally XXXX. Thanking you XXXX XXXX

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

On XXXX XXXX this company reported on my credit report for XXXX and I have never done business with them and dont know who they are. I dont owe them anything.

This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Today XX/XX/21 I received a letter from Convergent, creditor XXXX XXXX, XXXX to which it says the original creditor is XXXX to which I never even have any business or accounts with them to which I'm reading is {$6700.00}. None of this is on any of my credit reports or has it ever been. I want the following documents mailed to my home : Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally

XXXX IS FALSLY REPORTING AN ACCOUNT FROM XXXX SUPPOSEDLY FOR XXXX XXXXIN THE AMOUNT OF {$620.00} DOLLARS SO I AM REQUESTING A VALIDATION OF THIS ACCOUNT IN WRITING, WHICH I AM ENTITLED TO ACCORDING TO THE FCRA IN A TIMELY MANNER. PLEASE SHOW ME THE DATE THAT THE ACCOUNT WAS FIRST DEFAULTED ON, TO MAKE SURE THAT YOU ARE NOT REAGING SOMETHING ELSE. I AM ON SSDI SO MY INCOME IS FEDERALLY PROTECTED.

I have sent 3 letters to Portfolio Recovery asking them to provide me with documentation required by law with my signature showing I had some contractual obligation to pay them this alleged debt for {$2400.00}, they are reporting to the Credit Bureaus. They have refused to respond. I am also filing a complaint with the XXXX and my state attorney general XXXX XXXX because I have documented proof they have violated federal and state laws. The information is also inaccurate by listing different " opening '' dates XX/XX/XXXX and XX/XX/XXXX on my report as well as the status of the account reporting as " open '' to one Bureau and " closed '' to another. I have asked for validation associated with this account, bearing my signature. In the absence of any such documentation, I am formally requesting that this information be deleted from my credit files immediately. On XX/XX/XXXX at XXXX Portfolio Recovery signed for my 1st letter requesting within 30 days to validate the account or delete it. They did not respond or delete the information. On XX/XX/XXXX at XXXX XXXX Portfolio Recovery signed for my 2nd letter, informing them by not replying in a timely manner ( 30days ) to my initial letter dated XX/XX/XXXX, 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. On XX/XX/XXXX at XXXX XXXX Portfolio Recovery signed for my 3rd letter informing them they also did not mark the account as being " disputed '' required within 30 days under federal law. FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies ( XXXX ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item.

I am writing to ask for help in resolving an issue I've had with Nelnet to rectify a problem with my student loan that was the result of years of bad and misleading advice provided by your customer service agents -- an issue that resulted in well over {$50000.00} in interest added to my account, and one that will continue to cost me tens of thousands of dollars over the next two decades. I graduated from my doctoral program at XXXX University in XX/XX/XXXX with {$200000.00} in Stafford loans ( in addition to loans from an earlier XXXX XXXX ). My grace period for these loans ended on XX/XX/XXXX. For the first three and a half years after graduating, when I was just starting out in my career and making only a modest entry-level salary, I did not have the means to meet the daunting monthly payment on my loans. When I expressed that concern to Nelnet customer service agents, time and time again they advised me to seek a forbearance for my loans instead of entering into an income-based repayment program that would have resulted in a payment of nothing or next to nothing. Even when I inquired about Federal repayment programs, I was repeatedly advised by Nelnet customer service representatives that a forbearance was the easiest and best avenue for me to pursue, despite the fact that an income-based program would have offered a manageable monthly payment and prevented interest from capitalizing. Im only now writing after reading about the various lawsuits against student loan servicers like XXXX -- lawsuits that motivated me to research my own loans and realize the steep price I paid for following Nelnets misleading advice for years. From my records and recollection, it appears I finally entered the IBR program after consolidating my loans on XX/XX/XXXX after a close friend insisted I look into the option. By the time I did, my {$200000.00} balance had swelled to {$250000.00} -- resulting in an additional {$51000.00} in interest that would not have been capitalized had I entered into the IBR program when my grace period first ended in early XXXX. But the additional {$51000.00} in capitalized interest is not the only financial penalty I have paid by following Nelnets bad advice. Had my principle been locked at {$200000.00}, I would only be accumulating {$12000.00} per year in interest on my debt. Instead that loan is accruing {$15000.00} per year -- an additional {$3000.00}. Assuming Im not able to pay off my loans sooner, over the course of the 25-year IBR period, thats an additional {$76000.00} that my loan will accumulate in interest due to the inflated principle. And if Im still paying off my loans at the end of the 25-year IBR period and the balance is forgiven, I will have to pay taxes on that additional {$76000.00}. To add insult to injury, if I had not listened to Nelnets customer service agents and pursued an IBR strategy earlier, I would already be over 8 years into my 25-year IBR repayment period instead of just four -- four additional years during which that {$51000.00} added {$12000.00} more in interest ( {$51000.00} x 6 % each year for 4 years ). While these amounts may seem small compared to my overall balance, the increased balance represents money that I will not be able to put toward my XXXXyear-old XXXX college fund, and a hefty additional tax I will have to pay when the balance is forgiven. Those additional four years mean that I may be repaying my loans until Im XXXX instead of XXXX, cutting into my ability to support myself in retirement. As a result I have sent a similar letter as this to Nelnet asking them to investigate this matter and un-capitalize the {$51000.00} in interest that accumulated during those four years that their customer service representatives steered me away from IBR and towards forbearance. I also asked them to reduce my overall interest by {$12000.00} -- the amount that the excess principle cost me in the years since I entered IBR. Additionally, I asked that four years be credited to my repayment period. I would happily furnish tax returns and make a lump-sum payment equal to the IBR amount I would have paid from XXXX, when my salary was modest and payments would have been minimal. You may ask why I didnt push back more or educate myself more on these programs back in XXXX, when my grace period ended and I first had to begin repaying my loans. Like many graduates, I was occupied with board exams, finding a job, and relocating to a new town for work. In addition to all that stress, I was also going through what was undoubtedly the worst year of my life. My final year in graduate school, my wife and I divorced. She remarried shortly after and moved with our infant son, the joy and brightest light in my life, 600 miles away from the city where Id found work and where we were supposed to raise him together. Forced to choose between moving closer to them, where Id be unemployed ( I was unable to find work in their town ) or staying where I was so that I could fulfill my financial obligations as a father, I chose the latter. For 2 years, 4 months Id drive 20 hours round-trip to see my son once a month while working and saving enough money to move closer to them and open a practice of my own. When I was finally able to move to their state in XXXX, I had to start building a practice from scratch, from the ground up. Im proud that Ive been able to make monthly payments on my student loans for years now, even if the near- {$600.00} payment isnt even covering interest. By reducing my principle to what it should be -- $ {$200000.00} -- the idea of increasing my monthly payment to a point where Im covering the monthly interest and starting to dig into the principle actually seems like a possibility instead of a pipe dream. I am very grateful for the Federal student loan programs like IBR and student loan servicers like Nelnet who make them possible ; without them my student loan debt would simply be untenable. I want to repay my student loans like a responsible citizen and have been making payments steadily as my income has increased over the past four years. I am, however, hamstrung by early errors and bad advice furnished by Nelnet customer service agents and ask that this injustice be rectified. Sincerely, XXXX XXXX XXXX

MY IDENTITY WAS STOLEING AND USED FOR TO OPEN UP SEVERAL FRAUDULENT ACCOUNTS THAT I HAD NO KNOWLEDGE OF THE ACCOUNTS OPEN SHOULDNT HAVE BEEN OPEN I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Porfolio recovery has bought my debt And I getting consistent calls daily.

On Wednesday XX/XX/2020 I received a voicemail from XXXX XXXX calling from XXXX the message was veryu rude stating that he has been retained to pursue all of my legal assets.I had no idea who he was so I called back and he immediately starting yelling that I owe a debt and that I need to pay it .I asked him from who because I had not received a letter from him. He started yelling that I am broke and probably cant afford to pay the debt. Then he said I want verification so I can find a way not to pay it. Then I asked him who was the orginal debt owner he said XXXX XXXX .I asked him to give me their number so I can contact them .He told me to XXXX it .I said to him I wanted to make sure I had the correct info he started yelling I am too stupid to go online and XXXX.it He attacked me verbally non stop for 20 minutes. I told him clearly I can not speak to him without him yelling and being abusive so he said to speak to his supervisor and he put a guy name XXXX on the phone and I asked him what was the name of the business he was calling from he said AA Recovery in XXXX Fla. I advised him of XXXX behavior he didn't really say to much about XXXX behavior. I told him I have never seen or heard of this debt before .He said the debt was {$3000.00} I told him I never took a loan for for {$3000.00}. He said it was {$1500.00} and the rest was fees. I asked him to send me confirmation where I signed for this loan because I have not signed for a loan. He sent me a letter that stated this : Pursuant to our discussion and our clients approval this letter will serve as official notification that this office is authorized to accept the sum of {$3000.00} as payment in full on the outstanding balance for the above referenced account on the conditions outlined below. Upon receipt of cleared funds, your account will be considered paid in full. Each payment must be received in our office no later than the close of business on the date indicated below. If payments are not received in the indicated amounts and on or before the date due, this offer is hereby revoked and AA Recovery Solutions is under no further obligation to honor the terms of this offer. I responded to him to send me an address so I can write a letter to him to validate this loan with a promissory note etc he has yet to respond. I am not sure if this company is a scam or what. I would like to file a formal complaint against this company

On XX/XX/2020 some lady stole my credit card and used it to purchase gas at XXXX XXXX XXXX XXXX {$24.00} ), buy something at XXXX for {$410.00} and XXXX XXXX for {$880.00}. I filed the police report and filed fraud claim with the Bank as soon as I was notified about the charges. My mistake was that I thought she did not take an actual card, I still had it. So when the bank asked me if I have card on me, I said yes. I later realized that she stole my husband 's card, who is an authorized user on my account ( I had his card in my wallet to later give it to him, and forgot about it ). I contacted the bank of america on at least 5 occasions, explaining the situation to them. Every time they give me 45 days to respond, and eventually decline my claim every time. I don't know what else to do. I did not make those charges.

I called the 3 credit bureaus after I purchased a credit report with XXXX and XXXX XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that these accounts must be investigated and updated XXXX XXXX XXXX XXXX XXXX Balance {$870.00} ; XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX Balance {$4000.00} ; XXXX XXXX XXXX Balance {$33000.00} ; XXXXXXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$19000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$2500.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$39000.00}.

I actually didnt submit a dispute I submitted an inquiry asking in writing where the credit bureaus gets their information. I specifically told them I was not disputing the bankruptcy. They still proceeded to process it as a bankruptcy. I asked them to respond to my letter and writing and the supervisor XXXX told me they couldnt and wouldnt respond to my letter in writing and could only do it verbally. Which I know as a consumer I know I have a right to know where the information that was on my report came from.

These inquiries below are fraudulent and werent made by me for transunion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries below are fraudulent and werent made by me for XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

I XXXX XXXX entered a consumer credit transaction with Exeter Finance LLC on XXXX XXXX, 2019. I requested Validation of this debt, and Exeter Finance LLC failed to provide it. This is violation of 15 USC 1692g.

I created a XXXX complaint on XX/XX/21 for Transworld System Inc. I got a response on XX/XX/21 with a receipt. I rejected their response on XX/XX/21 because they can not provide the original contract with my signature to validate this is my account. They never responded. I filed a dispute with XXXX & XXXX on XX/XX/21, the results came back XX/XX/21 saying that this account was validated. I still have not received the documents that I have requested numerous times ( original paperwork w/ my signature ). I paid for the debt before I knew my rights ( FCRA XXXX & before I knew this could be falsely reported on my credit report. I just want TSI to validate this is my account. If they can't provide the specific documents I am requesting, I want it removed from my credit report. This is illegal to report or collect on an account that they can not validate.

There are four accounts on my credit that DO NOT BELONG TO ME. I did not open these used them or even know how they appear in my credit. BMW FINANCIAL SERVICES - Acct # XXXX XXXX {$27000.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$5000.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$460.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX XXXX {$560.00} Opened XX/XX/XXXX XXXX

I have an account reporting negative activity on my credit report that is currently older then 7 years old since any activity on the account. The balance on the account is approximately 4100. However most of this is just interest and I was young and stupid and couldn't keep up with high interest rates. Accounts in collections should only stay on credit reports for 7 years, and im getting information that this negative account will not come off for another 3 years. Seems the lenders are taking advantage here

I had a Victoria secret/comenity credit card for 6yrs 3 months. Never a late fee. In fact they were sending me checks where I over paid them. My limit was XXXX. I used my card for XXXX. I paid XXXX XX/XX/XXXX inside the store on my card balance. Which brought me to zero. They then was charging me for not using the card. Lowered my limit to XXXX and eventually closed my account. Stating charge off as bad debt and purchased by another lender. They then sold my account to collection agencies and I have disputed over and over for yrs. I'm tired of going through this with them. I had 2 collection agencies on my credit at the same time. Victoria secret is saying I owed XXXX Bucks. This is not correct. I paid my bill and they should not be able to get away with charging people fees for not using their card. That's not fair at all. XXXX XXXX has had my account since XX/XX/XXXX. They continue to send me statement saying I owe this bill. I refuse to pay for something I did NOT charge. Please help me stop these collections and credit my credit reports.

I have a invalid entries that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my XXXX dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their negative accounts. I want to know this information because these accounts keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through eOscar. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine. I have contact all involved parties the credit bureaus and companies to have accounts removed ; provided proof of payment and payment history. Proof is also attached to this complaint.Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents. been contacting the credit bureaus for 12 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.

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 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 have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

I wanted to raise to you a very problematic business practice being used by Bank of America with its customers. Today, I received an email ostensibly from Bank of America asking me to call into a XXXX number to provide all sorts of sensitive information about myself like SSN, date of birth, etc. The XXXX number did not match any public number for Bank of America when I XXXX that. At first, I assumed it must be a phishing attack. So I called Bank of America 's legit customer support number, and I told them about the email. As it turns out, it is a legitimate email from Bank of America. You might think, ok, so what is the problem then? The problem is that scam artists out there can very easily copy this sort of email and practice, and do the exact same thing Bank of America is doing, but instead, tell the customers receiving the communication to call into a scam number and provide their sensitive info to the scam artists that way. This practice by Bank of America has to be investigated and changed. Bank of America is putting their customers ' sensitive info at risk. Bank of America should not be sending emails out of the blue, unsolicited, asking customers to call in and give their SSN!! In this day and age, Bank of America should know better and they should have a more sophisticated and secure way of collecting and verifying their customers ' info. Can someone on your team please investigate this? I am happy to provide a copy of the email I received.

I mailed a payment to NAVIENT in the amount of {$1000.00} to pay down my never ending balance. <P/> My check was cashed, however, there was no reflection on my student loan balance that a payment was made. I 'm continuing to accrue interest. <P/> I reached out to Navient to see what was going on. They never reached out to me to tell me. If I had n't have reached out, who knows what would have happened. <P/> I was told I mailed the check to the wrong Navient address-still within Navient, but the wrong department. My check will be held for 30 days and then it may take 4-6 weeks for me to see my refund ... all while my balance is still there and I 'm still accruing interest. <P/> This company is deceitful and unethical. All I 've been trying to do is pay my balance rid this company from my life, and it seems they fight me every step of the way!

I made two payments to Self Financial/XXXX XXXX on XX/XX/2020 and XX/XX/2020 to pay off my loan, but my account is still being reported to XXXX as open and delinquent. This same account is properly reported to XXXX and XXXX as paid in full and closed, but for some reason they are refusing to report that information to XXXX.

My personal information had been stolen and account had been open in my name, I have been a victim in recent and passed data beaches, I had file an id theft report with the FTC, and I'm requesting these information to be block from my credit file.

I have attached a copy of the Consumer Financial Protection Bureau order of 2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the 2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on XXXX, XXXX and Trans Union respectfully. Since the 2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.

State Collection Service , Inc. initially mailed me on XX/XX/XXXX which was received on XX/XX/XXXX with a letter telling me I had 2 accounts each of {$2100.00}, that were in collections with them. This was the first contact I had had with them. I sent them a certified debt verification letter that was received by XXXX XXXX on XX/XX/XXXX to which State collections never responded to verify the debt, leaving themselves open to litigation. On XX/XX/XXXX another letter was sent by State Collections which was received by me on XX/XX/XXXX informing me that this unverified debt is seriously delinquent. I believe the debt to which they are referring to is part of a debt currently being disputed in court with both the insurance company and provider and will soon be dismissed entirely.

In accordance with the Fair Credit Reporting act 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

In XX/XX/XXXX, I bought a XXXX XXXX style car radio, which controls my heat and air, In a couple weeks after I purchased the item I returned it back to the merchant XXXX in XXXX, XX/XX/XXXX, I filed a claim on the radio from which BOA said the claim was being reviewed and I would invetigate the situation and I would be issued a check within 90 days. Insteaad of a check they closed my account and would act as If I never made the transaction for {$530.00} on XX/XX/XXXX on account XXXX. I had gave up on the situation because BOA would make it as If I was in the wrong but I never was refunded for this radio that I sent back, and I would like to be refunded for this whole ordeal because everytime I bring it up the reps act Is if the transaction did not happen. But I am still out of {$530.00} that they would put in a claim to try to sabotage my time limit for a claim just as they are doing with my current current claims they keep sending them back and they state that the I put gave them the wrong info on the claim but it is the correct info, but the reps are obviously inputing them in the system wrong ... ... and their supervisors are so rude and overtalk and dont listen because I have faxxed them info pertaining to both claim yet they still will not utilize the info that I sent them, so I can get whats rightfullly mine ... .Please resinste my claims and stop denying them and ask me for the info if You need assistance..should be one for all items were sent back but I was never refunded account # XXXX {$530.00} claim # XXXX, XXXX, XXXX, XXXX

I havent had a credit score since XXXX of XXXX. After submitting a complaint about incorrect information on my report, my credit score was deleted from not only exqifax but all the other reporting agencies as well. I have called and uploaded and verified my identity many times. Three to be exact and still i have no report. I have had two different credit reports reporting for the last six months and still i have no score.

The XXXX XXXX XXXX hired the XXXX XXXX XXXX to handle all its defaulted loans. The XXXX XXXX XXXX is reporting inaccurate information because they received files from XXXX XXXX which is the original loan holder. My loans are fromXX/XX/XXXX and XX/XX/XXXX and they are older than seven years but still want to report them on my credit file

The XXXX XXXX XXXX XXXXXXXX accounts is inaccurate. This account should be removed. It is closed and reporting inaccurate information. XXXX, Transunion and XXXX fail to remove the account due to it being inaccurate and closed.

There are two hard inquiries on my Experian credit report, and I have asked for them to be removed on the bases of verification that have not been received By fcra section 609 ( a ) ( 1 ) There are two hard inquiries on my Experian credit report, and I have asked for them to be removed on the bases of verification that have not been received By fcra section 609 ( a ) ( 1 ) ( a ) It's not my as look at in the last two years with Experian mistakes on my credit report

When I went to check my consumer report I noticed There were accounts that I had no knowledge of the accounts were XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never done any business with these companies.

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation. I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. Please investigate these matters and remove the disputed items as soon as possible. 1. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 2. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 3. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 4. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 5. XXXX XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report. 6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 7. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System XXXX XXXX XXXX XXXX XXXX CC : Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You, Sincerely, XXXX XXXX

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

I would like the following information verified, and would like to know how it is verified to be accurate on my credit report. Bankruptcy - Discharged Chapter XXXX Reported XX/XX/2017 Reference # XXXX

This problem began last year towards the end of XXXX. I saw my score drop almost XXXX points & knew something was wrong. Our mortgage company had falsely reported us missing a payment, so now I had an account in delinquency & for the first time ever : less than 100 % payment history. Immediately, we tried disputing this bc we knew it was incorrect. We got married last year, earlier in that same month, and we were actually ahead on our mortgage cause we paid more than we needed to that month or the month before ( just to be safe, since weddings can get expensive ). Neither the credit reporting agencies or our mortgage company have taken this error off my report since it happened, even though we have confirmed with our mortgage company that we didn't miss any payments & that our account is up to date. They've made this mistake multiple times since then, so much so, it now shows up as 3 missed/late payments. Since this happened last year, I've lost upwards of $ XXXX in credit card limits bc they would check my report, see the " delinquency '' and lower my limit, then my score would lower bc my utilization was higher ( due to the lower limit ) & when they'd check again routinely, they'd see lower score + " delinquency '' still & lower my limit AGAIN. I've been stuck in the financially debilitating cycle for over a year now & disputed time & time again thru XXXX XXXX with transunion & XXXX no one will correct the errors. We have spoken to our mortgage company so many times now about this issue & I still can not understand why they won't correct their own error since our account is in good standing/we 're ahead on our loan/etc.

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights XXXX of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

On XX/XX/XXXX I contacted Americollect via Certified Mail about validating a debt that is on my credit report in the amount of XXXX $ opened on XXXX XXXX, XXXX. I have asked the company to please send me verification of this debt and they have failed to do so. I feel as if the company can not verify that it is my actual debt and I am asking that it be removed from all 3 Credit Bureaus, or for the company to send me proper verification as requested.

I received notice via XXXX that my credit score decreased due to a collection added from COMMONWEALTH FINANCE for {$580.00}. I do not recall doing business with this company nor did I receive any notices in regards to this bill that would have allowed me to dispute it. The account was opened XX/XX/2017 and I had no medical services at this time. I have contacted the company in an attempt to verify this debt is indeed mine but I have not heard from them.

I enrolled in REPAYE income-driven repayment plan for my federal student loans on XX/XX/XXXX. I recertified this repayment plan on XX/XX/XXXX as is required on an annual basis. The Federal Government transitioned all borrowers enrolled in the REPAYE plan to the SAVE plan, therefore, my loans are now enrolled in the SAVE repayment plan. Per this plan, my monthly payments should be calculated based on my adjusted gross income from the most recent tax year at the time of recertification. I recertified in XXXX, therefore, my monthly payments should be calculated based on my XXXX annual gross income of {$5100.00} and amount to $ XXXX. My loan servicer, MOHELA ( A Dept of Education servicer ), has erroneously calculated my monthly payment beginning XX/XX/XXXX to be $ XXXX. This is incorrect. I called MOHELA customer service today, XX/XX/XXXX, to inquire about the basis for the monthly payment. The representative could not justify the monthly payment calculation nor did the representative recalculate my monthly payment correctly. I was directed to re-enroll in SAVE, however, I am already enrolled in this plan.

I never applied or received a XXXX XXXX

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 # XXXX has violated my rights, Account name : XXXX XXXX XXXX # XXXX has violated my rights Account name : XXXX XXXX XXXX # XXXX has violated my rights Account name : XXXX # XXXX has violated my rights Account name : XXXXXXXX XXXX # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DP OF EDUC # XXXX has violated my rights Account name : DP OF EDUC # XXXX has violated my rights Account name : DP OF EDUC # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DP OF EDUC # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DP OF EDUC # XXXX has violated my rights Account name : XXXX XXXX # XXXX has violated my rights Account name : U S DEPT OF EDXXXX # XXXX has violated my rights Account name : U S DEPT OF EDXXXX # XXXX has violated my rights Account name XXXX U S DEPT OF EDXXXX # XXXX has violated my rights Account name : U S DEPT OF EDXXXX # XXXX has violated my rights Account name : U S DEPT OF EDXXXX # XXXX has violated my rights Account name : XXXX XXXX Bankruptcy # XXXX has violated my rights Account name : U.S. Bankruptcy Court # XXXX has violated my rights Account name : XXXX XXXX Bankruptcy # XXXX has violated my rights Account name : US BKPT CT NY XXXX XXXX # 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 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 t

On XX/XX/XXXX I got my credit pulled through my local credit union for a mortgage pre-approval. We found a fraudulent trade-line that had been opened in my maiden name in XXXX of XXXX from XXXX XXXX XXXX XXXX. There is a balance of {$5100.00} with a past due amount of {$1400.00} and 5 months late. This trade-line was closed in XX/XX/XXXX. I then contacted XXXX, XXXX, and Transunion on XX/XX/XXXX to file disputes. Then I contacted XXXX and filed a Dispute with them as well a couple of days later. Right now the information we know is : 1 ) The person used my maiden name to open the account in XXXX ( I legally changed my name in XX/XX/XXXX ). 2 ) The person used an XXXX email address which I do not have. 3 ) The person used an address I lived at back in XXXX? XXXX? ( I have not lived in that city since XXXX ). I received a Fraud Investigation Form from XXXX XXXX on XX/XX/XXXX. I filled it out and faxed it on XX/XX/XXXX. They sent another letter to me XX/XX/XXXX saying the investigation was closed because they did not receive the fax in time. I contacted XXXX XXXX and they re-opened my case ( they said mail was slow due to COVID-19 ). They then suggested also filing a claim with the FTC. When I went to the FTC website it brought me to this website. Thank you.

In accordance with the Fair Credit Reporting act XXXX XXXX Account number 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 an account with my written instructions.