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On <DATE>, I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that S & S RECOVERY, INC., had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on <DATE> with a balance of {$2500.00}. I had no knowledge of this company nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of purchasing a car. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with the purchase of my home and business ventures that have to be delayed until this illegal account is removed. S & S RECOVERY, INC. <REDACTED> , TN <REDACTED>, ( <REDACTED> ) <REDACTED>
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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 : <REDACTED> - <REDACTED> Bank Account : <REDACTED>, Account name : <REDACTED> Account : <REDACTED>, 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 to believe that the information is inaccurate.
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I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
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I am filing a complaint against Equifax for falling to propery investigate miy disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. <REDACTED> ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts Ive mark as inaccurate <REDACTED>, <REDACTED>
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Truist Bank no longer serviced or owned my loan after <DATE>. I will attach a Servicing Transfer letter. On my credit report the loan shows closed and <REDACTED> balance but recently I discovered that Trusit bank reported to all 3 credit bureaus that I was late up to 90 days in <REDACTED>. I will attach a copy of the report. I know for a fact I did not make any late payments to Truist bank in <REDACTED>, in fact I made no payments after <DATE> to Truist bank. It would now seem that Truist realizes it's mistake and sent a letter stating they would request a change in reporting but nothing has happened so far. I now have an attorney involved and I can not refinance a property I own because of these erroneous mistakes they have made to my credit. This is now causing a financial hardship to me.
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I haver <REDACTED> account that's is reporting <REDACTED> late payments on each account which is INCORRECT. I reviewed my consumer reports and noticed that I had <REDACTED> late payments on <REDACTED> different accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts <REDACTED>
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Ive sent dispute a letter to Experian, <REDACTED> and <REDACTED> detailing harmful errors existing on my credit report currently.
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I did not grant permission for the inquiry. There has been no communication with this lender on the specified date.
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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 <REDACTED> and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), there is a necessity to ensure that consumer reporting agencies carry out their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. <REDACTED> and <REDACTED> are consumer reporting agencies, and I am the consumer. I have the right to ensure my private information is not shared, supported by 15 USC 6801, which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' The furnisher of information to credit agencies is considered a financial institution under this title. 15 USC 1681 section 604 ( a ) ( 2 ) states, " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The furnisher of information to credit agencies, <REDACTED>, and <REDACTED> do not have my consent to furnish this information, nor do they have my written consent. Any and all consent given to <REDACTED>, <REDACTED>, or the furnisher of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is revoked. According to 15 USC 6802 ( b ) ( c ), " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to credit agencies never informed me of my right to exercise my nondisclosure option. Additionally, 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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. '' This account is an adverse item being reported without my permission, which is against the law. According to 15 USC 1681s-2 ( A ) ( 1 ) ( A ), " 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. '' Furthermore, 15 USC 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' <REDACTED> and <REDACTED> are not maintaining reasonable procedures. Finally, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
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I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
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I am a victim of <REDACTED> of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
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I'm a victim of the <REDACTED> breach and I reviewed a copy of my credit report and noticed a account that is the result of fraud and this data breach as I was and I still am incarcerated I was incarcerated when this account was opened and I'm currently still incarcerated please block this account immediately
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Upon reviewing my credit report, I am distressed by the discovery of a late payment notation, despite not having any late payments.
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<REDACTED> . <REDACTED> , PA <REDACTED> Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. This letter is a formal complaint that inaccurate information is list on my credit report. The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. The following information needs to be verified and deleted from my credit report as soon as possible : <REDACTED> , TX <REDACTED> : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. This letter is a formal complaint that inaccurate information is list on my credit report. The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. The following information needs to be verified and deleted from my credit report as soon as possible : <REDACTED> Equifax Information Services LLC <REDACTED>. <REDACTED> , GA <REDACTED> Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. This letter is a formal complaint that inaccurate information is list on my credit report. The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. The following information needs to be verified and deleted from my credit report as soon as possible : <REDACTED>
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I am writing to formally dispute several inquiries listed on my credit report that I did not authorize. Upon reviewing my credit file, I noticed multiple inquiries from companies with whom I have never applied for credit or given permission to access my report. I have submitted dispute requests and provided documentation to support my claim, but the inquiries remain on my file without resolution. These unauthorized inquiries negatively impact my credit score and raise concerns about potential identity misuse or reporting errors. Despite my follow-ups, the issue has not been appropriately addressed. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe to be inaccurate or fraudulent. I am requesting that a full investigation be conducted to determine the origin and legitimacy of these inquiries.
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The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. <REDACTED> <DATE> <REDACTED> <DATE> Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
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I dislike it! I've spent many months sending disputes and writing complaints, but I'm still not seeing any outcomes from my disputes. This is causing me extreme discomfort and stress.
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I recently filed a complaint on this company about a few months ago. They company stated that the <REDACTED> told them they made repairs. The <REDACTED> lied and said they did. Upon moving out, we had an agreement because I stopped paying the rent due to them not making repairs. They agreed if I moved out, they were not going to repot to collections because I didnt have to pay anything. I moved to <REDACTED> not knowing they repotted me anyway. I was turned down because of them. If I wouldve known they reported me, I wouldnt attempt to apply for another place. Not only that, I cant even become a <REDACTED> . They are ruining my whole career because they lied. I called the <REDACTED> and asked them why they lied. They hung up on me and now they not even taking my calls. I really need a place for me and my grand babies snd now I have to <REDACTED> . I have a whole <REDACTED> in <REDACTED> and I cant use it because of their lies. Im feel like the deceived me. I took their word instead of taking them to court. If this font come off my credit I have to go all the way back to <REDACTED> to file a lawsuit. Im in a whole different city and state and living with different people.
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On <DATE>, I submitted my third request for Equifax to correct inaccurate information on my credit report. In my first two requests, Equifax denied my request, indicating that the debt was validated ; however, neither Equifax nor the reporting agency was able to provide all required documentation to validate the debt. Instead, the company sent me the same letter in <REDACTED> different envelopes, with the same information. On <DATE>, I filed a complaint with you ; I just received another letter from Equifax indicating that the record will not be corrected because the company does not appear on my credit report. I have attached a copy of the denial letter and a copy of my credit report, which shows the company reporting inaccurate information. I am tired of Equifax maltreating me, and I am disgusted by the way they disregard their obligations to protect our information and ensure their reporting is accurate.
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Midland credit management is not licensed to collect debt in the state of GA per <REDACTED>. I would like them to stop contacting me and remove the account from my credit report. This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which is prohibited. they furbished thus account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I didn't not participate in any of it. More so, they didn't follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA I am entitled to {$1000.00} per violation and Cleary they violated my rights.
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<REDACTED> ... .closed an account and opened a newone without knowledge
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These are the discrepancies in this account! SELF / LEAD <REDACTED> Account # : <REDACTED> Account Type : Installment Installment Installment Account Type - Detail : Secured loan Secured loan Secured loan Bureau Code : Individual Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : <DATE> <DATE> <DATE> Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : <REDACTED> High Credit : {$530.00} {$530.00} {$530.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : <DATE> <DATE> <DATE> Comments : Closed - Closed or paid account/<REDACTED> balance Secured Date Last Active : <REDACTED> The discrepancies in the account across the three credit bureausXXXX, <REDACTED>, and <REDACTED> in the following areas : Account Number : <REDACTED> : <REDACTED> & <REDACTED> : <REDACTED> Discrepancy <REDACTED> 's account number has a different prefix compared to <REDACTED> and <REDACTED>. Account Status : <REDACTED> : Closed <REDACTED> & <REDACTED> : Paid Discrepancy : There is a variation in how the account closure is reported ; " Closed '' vs " Paid ''. Date Opened : <REDACTED> : <DATE> <REDACTED> & <REDACTED> : <DATE> Discrepancy : The opening date of the account differs by 8 days between <REDACTED> and the other two bureaus. No. of Months ( terms ) : <REDACTED> & <REDACTED> : <REDACTED> : <REDACTED> Discrepancy : <REDACTED> reports the term as 0 months, which may indicate an error or a lack of data. Last Reported : <REDACTED> : <DATE> <REDACTED> : <DATE> <REDACTED> : <DATE> Discrepancy : There are variations in the last reporting date across the three bureaus, with <REDACTED> report significantly later than the others. Date Last Active : <REDACTED> & <REDACTED> : <DATE> and <DATE> respectively <REDACTED> : Not reported ( - ) Discrepancy : <REDACTED> does not provide a date for last activity. Date of Last Payment : <REDACTED> & <REDACTED> : <DATE> <REDACTED> : Not reported ( - ) Discrepancy : Like the 'Date Last Active ', <REDACTED> does not report the date of the last payment
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I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : <REDACTED> Balance : {$4100.00} <REDACTED> Balance : {$28000.00} <REDACTED> Balance : {$30000.00}
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I recently checked my consumer report and I noticed an unauthorized inquiry from <REDACTED> . I dont have any accounts and have not applied for anything. There is no reason why this should have happened. I just had a check deposited and then removed from my account that I did not recognized as well over a week ago which was weird. I thought it was a mistake. But I signed up for fraud protection so this should have never happened. They should alert me before they run my credit with hard inquire negligence on there behalf.
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I am writing to dispute the accuracy of information on my credit report maintained by your bureau. After a thorough review of my credit history, I have identified an inaccurate late payment entry that I believe may be the result of a bank error or system glitch. Account Information : Creditor <REDACTED> - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. I pride myself on maintaining a strong record of timely payments, and this reported late payment is inconsistent with my financial behavior. I suspect that there may have been a bank error or a system glitch that led to this inaccurate reporting. I understand that accurate credit reporting is crucial, and I believe resolving this issue is essential to maintaining the integrity of my credit history. Please investigate the possibility of a bank error or system glitch that may have led to this inaccurate reporting.
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please remove fraudulent/unauthorized inquiry off my account from <REDACTED> <DATE>. Provide proof in writing within 30 days or remove from my report
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Hi, My name is <REDACTED> . I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the <REDACTED> data breach and might are becoming into the fingers of the wrong person.
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I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
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Talk to a Representative with a credit card company and explain to them that I never own a credit card through them and not even sign with them. 4 year later I am finding out that I got a garnishment with them to pay a debt, I am very confused by this.
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I have received many collection calls from a company called Ginnys from # ( <REDACTED> ) <REDACTED>. I have never ordered anything from Ginnys nor did I open a ginnys account. They tried to get additional personal information on the phone call today. Agent said I ordered product and had it shipped to an address in Pennsylvania. I checked by credit report today and there is no ginnys account but I am concerned they will somehow access my credit. I do not have any documents. I have only received phone calls
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It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. <REDACTED>, <REDACTED>, <REDACTED>
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These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
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I have received refunds from two companies but the credit card balance has not been updated one from <REDACTED> and one from <REDACTED> . American Express has a history of accepting payments or credits but not updating the balance.
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I receive notification from my credit report of a derogatory item on my credit. I further look into the matter as I do not owe anyone besides my normal routine bills. I see a collection from a company I have never heard of listed as " THE CBE GROUP INC-FORMER '' in the amount of {$680.00}. I have not seen anything in writing from this company notifying me of a debt owed, or any intent to place anything on my credit for me to dispute, nor verifying I am the actual owner of the debt which is in violation of FDCPA. This company further more is NOT licensed in State of TN to conduct any business with any consumers who reside here. I would like this deleted off my credit report immediately!
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I received a credit monitoring alert as to two inquiries furnished on my credit profile which was done so without my written or verbal consent. Per 15 USC 1681 I have the right to privacy and also fair and accurate reporting to my consumer credit profile and in this case my consumer rights were violated.
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I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
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I previously made a request ( CFPB # <REDACTED> ) in <DATE> for removal of a tradeline from my <REDACTED> report <REDACTED> Well, I recently found that the tradeline still remains on my Experian and <REDACTED>. This credit line was opened fraudulently, and needs to be fully removed from ALL credit bureaus. The lines are showing a delinquency which affects my credit.
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I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.
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I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULT. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. INTIAL DISPUTE <DATE> 30 DAY DEMAND <DATE>
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In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
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It looks like someone has accessed my credit report. Once more, I discovered a lot of things that I do not own when searching through my files. Due to my meticulous study, I discovered that credit bureaus are legally obligated to remove any things that are determined to be fraudulent as a result of identity theft, as stated in section 605b of the FCRA. I am not the owner of the contested objects. Please take these things out. <REDACTED> , GA <REDACTED> <DATE> <REDACTED> , GA <REDACTED> <DATE><REDACTED> Balance : {$0.00} <REDACTED> <DATE>
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I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.
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I sent in a dispute on <DATE> and received no response. I then sent a 30 day ask to comply, and still nothing
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on <DATE> | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the <REDACTED> data breach and may have got into the hands of thewrongperson.|
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We purchase a ring in <REDACTED> for the amount of <REDACTED> last <REDACTED> . The sale representative offered the 3 years no interest. We signed up and we've been paying monthly on the amount that they bill us. <DATE> we know were done but we received a bill for <DATE> ( this month ), which we know we should be done paying. I check my bill online theres still remaining balance of <REDACTED> and they added finance charge of <REDACTED> on <DATE> and another finance charge of <REDACTED> on <DATE>. I called the customer service of Comenity, spoke to <REDACTED> and Supervisor <REDACTED>, explained that we were in agreement to pay the full amount for 3 years. But they told me were we just paying the minimum amount thats why we still have remaining balance. I told them I didnt know that it was just the minimum, I told them we just go by what they bill us monthly since its autopay. No one told us that was just the minimum payment and <REDACTED> are all closed.
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On <DATE> I visited the Emergency Department for an injury that occurred at work. I filed the necessary paperwork since the injury should never have been billed to my personal insurance. It was mistakenly billed to my insurance and a balance was then determined for {$510.00}. After multiple attempts to get <REDACTED> Medical Center to dissolve this false debt to no avail. I recently received a letter from a collection agency and they have not given me anyway to contact them without providing them with more personal information and they have requested a rebuttal in writing but have failed to give me a way to contact them in writing. The collection agency Transworld Systems who 's number is <REDACTED>. I will try and contact them via phone but I must be able to submit something to them and writing. I only have 30 days according to the letter and it has a date of <DATE> on the letter.
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TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
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I disputed account # <REDACTED> company name Caine and Weiner company address <REDACTED> , account # <REDACTED> company address <REDACTED> , and <REDACTED> . <REDACTED> and <REDACTED> deleted all <REDACTED> accounts and added them back to my credit report after it was deleted. This is against FCRA RULES. This is defamation of my character, my personal Characteristics, and my general mode of living. I shouldn't have to file this many complaints against these companies. According to THE FCRA and the FTC, it is their duty that these companies report accurate and precise information to my consumer report. I want all <REDACTED> of these accounts deleted from MY CONSUMER REPORT because they were already deleted. I attached the paperwork sent to me from <REDACTED> and <REDACTED> with these accounts deleted.
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I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
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Transunion These collections were illegally obtained in my name and nonetheless inaccurate and illegal. I have already disputed these items. Please remove these collections and inquiries listed below as soon as possible. <REDACTED>
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I had my vehicle stolen and burned. I contracted <REDACTED> about the situation and they told me that was fine and insurance would cover the issue. Insurance took care of the issue several months later, but they claim that I still owe {$1400.00} on the account from the months that were not paid. This has been over several years now. I documentation from them showing that the account is paid in full. Yet they refuse to change it on the credit bureau report and they say that I still owe them {$1400.00}. I have disputed this issues with all 3 credit bureaus ( Experian, <REDACTED> ) and requested a validation and to receive the information from the validation. No information has ever been received from any of the three credit bureaus. <REDACTED> list the amount owed as {$4200.00} ... <REDACTED> and the 3 credit bureaus have ignored all request in regards to updating this information properly. See the enclosed attachments ....
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I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts ( 1 ). ( A ). <REDACTED>
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<REDACTED>
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sent to the furnishing or reporting of the following items : <REDACTED> <DATE> Equifax <REDACTED> <DATE> Experian <REDACTED> <DATE> Experian <REDACTED> <DATE> Experian <REDACTED> <DATE> TransUnion <REDACTED> <DATE> TransUnion ( Hard Inquiries on credit Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not con report ) Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.
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When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. <REDACTED> Date Opened : <DATE> Balance : {$11000.00}
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I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : <REDACTED> Balance {$0.00} Open Date <DATE><REDACTED> Balance {$0.00} Open Date <DATE> <REDACTED> Balance {$280.00} Open Date <REDACTED> , <REDACTED> , <REDACTED> {$1800.00} Open Date <DATE> <REDACTED> {$820.00} Open Date <REDACTED> Balance {$550.00} Open Date <DATE><REDACTED>
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I SET OUT ON A JOURNEY TO REPAIR MY CREDIT AND ASK THE CREDIT BUREAUS TO MAKE SURE EVERYTHING WAS COMPLETE AND ACCURATE ACCORDING TO 15 USC 1681 i ( 5 ) I WAITED 60 DAYS RECEIVED MY INVESTIGATION AND NOTICED EVERYTHING WAS THE SAME .THE CONSUMER REPORTING AGENCIES WHICH IS <REDACTED> EXPERIAN <REDACTED> AND <REDACTED> NOT MODIFY OR DELATE ANYTHING. THE DATE IS NOT CORRECT THE LAST ACTIVE DATE IS NOT CORRECT ON ALL <REDACTED> REPORTS. WHICH IS A VIOLATION.THIS IS IMPACTING ME FROM MOVING FORWARD TO BUY A HOUSE FOR MY FAMILY. I ATTACHED MY PERVIOUS CREDIT REPORT AND MY NEW CREDIT REPORT TO SHOW HOW EXPERIAN VOILATED MY RIGHTS.
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The personal information on my credit report were outdated.
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Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. Complaint Summary : I am submitting this complaint against [ experian ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). On [ <REDACTED> ], I discovered discrepancies in the following account ( <REDACTED> ) : <REDACTED>. <REDACTED> - <REDACTED> Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 2. Section 611 : Right to dispute inaccuracies and request investigation. 3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
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Company has not responded to my dispute
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There is a Bankruptcy ( <REDACTED> ) listed on my credit report. It may belong to somebody else with the same name as me and is on my report in error, I am not sure. I have attempted to fix this issue with the three bureaus, though unsuccessfully. I have sent monthly dispute letters via certified mail. All three bureaus claim the <REDACTED> was " verified as accurate ''. <REDACTED> stated they verified the account through third party <REDACTED>. This is not possible because I have confirmation from <REDACTED> that my account has a security freeze placed so they are not providing info to anyone regarding my account AND they sent me a letter confirming they removed the listed <REDACTED> in compliance with the Fair Credit reporting Act ( attached ). This proves that <REDACTED> did not verify through <REDACTED>. Experian stated they verified the account as accurate through " the company that reported the bankruptcy ''. They did not provide info regarding who reported this error. I did contact the Court that Experian listed and they stated they did not report it nor did they verify it as accurate. <REDACTED> stated they verified it as accurate and provided no further information. <REDACTED> also states on its website that it verifies <REDACTED> using <REDACTED>. At this point I am at a loss as to where or who I need to contact to have this very harmful error fixed
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There were incorrect Addresses that were added in my TRANSUNION credit report. There should be no other addresses that is in my report aside from <REDACTED> for my address. Other addresses that are erroneous should be immediately removed from my credit report. A copy of the updated report should be mailed to my address after the deletion of the following information. INCORRECT ADDRESS : <REDACTED> FL, <REDACTED> FL, <REDACTED> FL, <REDACTED>
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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 : <REDACTED> Account Name : <REDACTED> # <REDACTED> Account Name : <REDACTED> Account Name : <REDACTED> Account Name : <REDACTED> Account Name : <REDACTED> Account Name : <REDACTED> Account Name : <REDACTED> Account Name : <REDACTED> # <REDACTED> Account Name : <REDACTED> # <REDACTED> Account Name : <REDACTED> Account Name : <REDACTED> # <REDACTED> Account Name : <REDACTED> Account Name : <REDACTED> Account Name : <REDACTED> 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.
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For 2-3 years, I have attempted to negotiate a fair, affordable payment with my loan servicing company -Fed Loan -. Despite phone calls, payments, applications, deferments, forbearances & budget submissions the company keeps demanding a payment amount that is double what I can afford. I'm at the point where I feel like the whole thing needs to be forgiven, so we can all start fresh. 30+ years of debt & interest accumulation is unnecessarily burdensome. Signed Borrower
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I have been trying to get these fraudulent transactions removed from my credit report for over 2 years. I have put countless disputes and nothing has happened. I have not received any response or help or proof regarding why these accounts are still on my report. besides the late payments. the FED STudent loan has accounts on my credit report that have been closed with <REDACTED> balances and they still refuse to remove them. This letter is to inform you that my rights have been violated and you have unlawfully reported LATE payments. There are transactions and experiences being reported as LATE on my consumer report and with knowledge of my rights as a consumer in accordance with FCRA : 15 U.S. Code 1681a. This letter will serve as formal notice. 15 U.S. Code 1681a - Definitions ; rules of construction | U.S Code | US Law LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681s -2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - Exclusions - Except as provided in paragraph ( 3 ), the term consumer report does not include - ( A ) subject to section 1681s - 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late payments are considered TRANSACTIONS and utilization is considered an EXPERIENCE, so I am confused as to why you are reporting late payments from ( <REDACTED> ) ( AMERICAN CREDIT ACCEPTANCE <REDACTED> ) ( <REDACTED> ( <REDACTED> ) ( <REDACTED> ) ( <REDACTED> ) ( <REDACTED> ) when such an action is a clear violation of my consumer rights in accordance with the FCRA ACT! As a Consumer Reporting Agency, you hold a responsibility to report Consumer information to the best of your ability with <REDACTED> . That is your duty and as a consumer, I am protected under the FCRA ACT 15 U.S. Code 1681. If you feel that said protection is not mines to have as a consumer, I will REQUIRE that you provide me with PROOF of an investigation into the accuracy of said late payments and statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to Paid on Time and NEVER late! Or remove it from my consumer report all together.
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After review of the last response to my previous complaint, I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in <REDACTED> days update the account to PAID/NEVER late and send me a copy of updated credit report - Date of reports : ( <DATE> and <DATE> ) This account has not been <REDACTED> days late on payments i've attached a copy of my report to this complaint <REDACTED> auto finance loan account number <REDACTED>
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Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.
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My account with <REDACTED> the late payment to paid as agreed was never late! I have had exceptional payment history witH <REDACTED> and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in those account to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Update the late payment to paid as agreed Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
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This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : ( Insert all of the Accounts, inquiries and addresses disputed ) These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
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I have disputed this collection account as identity theft, i did not open the account or have knowledge of any services done. I have faxed, called, emailed the ceo, and certified mailed copies of my identity theft report with no response.
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I was contacted by <REDACTED> , a debt collection agency on <DATE> advising that they were attempting to collect a debt of over {$7000.00} on behalf of BBVA Compass, used on a credit card issued in my name for a business I formerly owned. I informed them I had no knowledge of any such debt as I had never requested or received a credit card for this business. They indicated the card had been sent to an address that I have never lived at in a city I have never lived in. Furthermore, any accounts associated with the business were closed by me in <REDACTED>, I requested validation of this date. On <DATE>, I sent a certified letter again disavowing any knowledge of this debt and asking for verification, to date it has never been received or acknowledged. I contacted the originator of this debt in person at a branch in <REDACTED> TX on <DATE>, I spoke with <REDACTED> who advised he would contact the fraud department and have documentation sent to my address, this never happened. I contacted BBVA Compass by phone on <DATE> and spoke with <REDACTED> , the manager for the <REDACTED> branch, who advised he had submitted the complaint to the fraud department and they would contact me within 3 business days, I have not heard from anyone. On the same date I spoke with a representative over the phone named <REDACTED>, who advised she was unable to assist because the system would not allow her to do anything. I sent a certified letter to BBVA Compass on <DATE>, disavowing any knowledge of the debt and requesting validation, to date I have not received anything. I have notified all 3 credit bureaus of this theft identity, and made completed a identity theft report with the FTC. To date there has been nothing reported on my credit, however, on <DATE> I was contacted by a second collection agency.
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To date, our office has received <REDACTED> dunning letters from Brennan & Clark claiming we owe {$2500.00} in over payments by <REDACTED> for patient care rendered more than <REDACTED> years ago. Brennan & Clark claim that the return of these monies is past due and must be paid immediately. When my receptionist called this firm to request any details that would substantiate these transactions, she was told that they had no intention of producing more information or spending more time talking to us. Our medical billing person called <REDACTED> to check the details and was told that our account was currently in balance and that nothing was owed. We checked with the <REDACTED> and found dozens of complaints regarding similar dunning notices from Brennan & Clark, many complaints specifically citing <REDACTED> . Several of the respondents expressed their view that this firm was fraudulently claiming monies due, without providing documentation of the source of such claims. Note that although the <REDACTED> letters were authored by <REDACTED> different people, the signatures are written in the same handwriting. Given that neither we nor <REDACTED> have any record of overpayments to our practice, we must decry Brennan & Clarks strong dunning attempts to obtain this amount. These claims appear to be fraudulent. Therefore, we respectfully request an investigation into this firms business practices. If any documents can be produced that prove we owe money to <REDACTED> , we will certainly clear our account. However, given the large number of other businesses and medical practices that are reporting similar attempts to obtain payments without any documentation that shows such claims are legitimate, we ask that such dunning efforts cease, and that Brennan & Clark be made to revise their business practices.
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These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
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You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
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On <REDACTED> I sent a certified letter ( <REDACTED> ) to Experian requesting that verify and send me proof of verification of the derogatory items on my credit file per the FCRA section 609 ( a ) ( 1 ) ( A ) they failed to do so and continue to report the negative items on my credit file. They are breaking the Federal Laws.
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The accounts listed below are incorrect and is affecting my credit i dont know why they are reported on my credit report inaccurate but i will like them removed ASAP <REDACTED> is being reported as closed with balance fully paid off but its showing two missed payments. I will like that removed <REDACTED> is showing as closed with one missed oayment that account was settled with no miss payments. I will like this removed off of my credit report. <REDACTED> is showing closed with four miss payments that is inaccurate that account is settled. please remove these accounts of my credit
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I have disputed many times with LVNV funding that I have no legal binding contract with them. This corporation keeps acting in fraud and damaging my credit report for a debt which is not owed nor that I have a legal binding contract with them. Where is my signature showing I have any agreement with LVNV funding? This is fraud and it must be removed from the report promptly. LVNV Funding can't show mrea legal binding contract with my signature showing I am responsible to pay them a debt.
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I sent a letter on the credit bureaus on <DATE> requesting the credit bureaus to remove the bankruptcy reporting on my credit profile. I know for a fact that the courts do not communicate with the credit bureaus so how are they able to verify this as accurate. They are reporting unverified information.
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The credit agencies have been bullies to me long enough. <REDACTED> dispute report id # <REDACTED> is reporting false information concerning <REDACTED> act # <REDACTED> They are reporting a high balance of {$3300.00}. I can not believe this defamation experience. Also the payment history is incorrect. <REDACTED> is also falsely reporting an account by <REDACTED> , that has false payment history. That car was never suppose to be under my name, however my ex husbands son crashed it, my insurance paid fair market value and now there reporting a false payment history that is completely destroying my credit score. Please do something about this. They reported that I made payments to <REDACTED>, I never made a payment to student loan navient in my life. It was taken over by fed loans who govern all of my student loans. Additionally, they are reporting a bankruptcy dated <DATE>, Ive requested the removal of this account numerous times stating that it was dismissed because of the timing in which it was filed. They still would not remove this. Only you guys are able to help. <REDACTED> also reports a false address that I have requested more than two years to be removed under <REDACTED> , IL. <REDACTED> and Equifax are reporting false information and I believe that this company is the only company that can make them do what they are suppose to do.
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I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
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I am not liable for this debt with VW Credit Inc. I do not have a contract with VW Credit Inc. They did not provide me with the original contract with VW Credit Inc. as I requested. VW CREDIT INC Account Number : <REDACTED> Please remove this inaccurate information from my credit report.
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Greetings, I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
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This account wasnt opened by me and on top of that this account has shown closed on my credit and every month its still attaching a late fee. This company need to properly closed the account and stop charging it every month.
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I received a copy of my credit report and found the following personal information to be in error :
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Hello, Please Help Me Remove/Delete These Accounts And Inquiries That Been Open Without My Permission Or Consent. I live With My Father <REDACTED> This IS Stopping Me From getting A <REDACTED> For My Father Please Help ME Remove These Accounts Credit Agencies Is Not Complaint With The FCRA LAW CODES. <REDACTED> Account # <REDACTED> Open Account # <REDACTED> Balance : {$4900.00} <REDACTED> Open <REDACTED> Balance : {$160.00} <REDACTED> Date : <REDACTED> Balance : {$13000.00} <REDACTED> Open Date : <REDACTED> Balance : {$12000.00} <REDACTED> Account # <REDACTED> Balance : {$12000.00} Date <REDACTED> Account # <REDACTED> Balance : {$9500.00} Date <REDACTED> Inquiry 's : <REDACTED> 15 USC 6802 ( B ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 USC 1681 ( Q ) Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 USC 1681 ( N ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 15 USC 1681 ( I ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 15 USC 1681 ( B ) A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
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It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. <REDACTED> <DATE>
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Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.
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The consumer reporting agencies are violating my FCRA rights please see attached dispute I received a copy of my credit report and i have found that in accordance to the FCRA you are violating my rights under 15 USC 1681 SECTION 602 WHICH STATES THATI HAVE THE RIGHT TO PRIVACY, FUTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONCUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ACCOUNT NAME : <REDACTED> ACCOUNT # : <REDACTED> LATE PAYMENT DATE : <DATE> & <DATE>
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I have disputed this account various times for fraud and various inaccuracies on my report. This company has violated my rights under 15 USC Code 1681i and continue to illegally report false information.
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This concerns an Apple Card issued by Goldman Sachs. I paid my account in full 31 days early with a debit from my bank account for {$2900.00} on <DATE>. The money flowed out of my account that same day. As of <DATE>, my available credit has not updated to reflect that payment. The card T & Cs have a nebulous " Credit Availability '' clause that is decidedly consumer unfriendly : " After receiving a payment, we can immediately increase your available credit, or delay increasing the available credit on your Account for a period of time. You can check the status of your available credit by going to your <REDACTED> , online at <REDACTED> XXXXr by contacting us. '' Over <REDACTED> people have complained about the same issue at Apple 's own discussion forums page.
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I recently found that there are unauthorized and fraudulent inquiries on my credit report that don't belong to me. I am not the one who initiated these inquiries. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.
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I was a victim of fraud in the spring of 2022 when my SS number my address and checking and savings account were I infiltrated by a payday loan company. I found out that credit accounts were open on my name when I went to apply for a car loan I then filed a victim fraud alert with the government I sent a copy of the fraud alert to all three credit bureaus, along with my ID and a letter requesting the credit bureau to block the information pertaining to the fraud. Equifax is refusing to block the fraudulent information. A fraud report was also sent to my bank they investigated and I closed my checking and savings account. This report was also sent to the three credit bureaus This is so frustrating to me.. I feel like I have been volatile and have no rights
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See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
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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 <REDACTED> and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
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<REDACTED> , New Jersey <REDACTED> I am writing in regards to somethings that I have noticed from you all on my consumer report. I see an alleged late payment that you have furnished on my consumer report. It was actually a billing error due to violations on part of your compant. By reporting this as a late payment you are in violation of the following 15 U.S. Code 1666 Correction of billing errors ( <REDACTED> ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( <REDACTED> ) A computation error or similar error of an accounting nature of the creditor on a statement. ( <REDACTED> ) Failure to transmit the statement required under section <REDACTED> ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than <REDACTED> days before the end of the billing cycle for which the statement is required. The law clearly states that you all were to send disclosure to my address at least <REDACTED> days before the end of the billing cycle, which you did not do so therefore it was a billing error on your part. I am demanding to see real verifiable proof that I did not pay on this account that is marked late as well as proof that you have sent the disclosure as stated above <REDACTED> days before the statement due date. If you can not provide these things. It is clearly a billing error pursuant to 15 U.S. Code 1666. The account below should be updated to paid as agreed on my consumer report <REDACTED>. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation CAP ONE AUTO Account Number : <REDACTED> As a consumer by law the late payment must be removed and account updated to paid as agreed Having this late payment reflect to my account has caused me much financial stress and money. It has hindered my ability to obtain credit and has cost me more money than it should because of higher interest rates. As a consumer by law I am eligible to seek compensation for you all violations of the law pursuant to 15 U.S. Code 1681n you are liable for up to {$1000.00} per violation. I am demanding that you update the account or remove it from my credit report ASAP or I will have to escalate this to the <REDACTED> and Attorney General. Thanks for your Cooperation in getting this resolved on my consumer report. <REDACTED>
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In accordance with the Fair Credit Reporting Act <REDACTED> Account # <REDACTED> 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 602 A Section 2. It also states a consumer reporting agency can not furnish my account without my written instructions
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