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The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
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This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within <REDACTED> business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to <REDACTED> you an additional <REDACTED> days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.
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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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate
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I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
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I FELL VICTIM TO THE EQUIFAX DATA BREACH AND MY INFORMATION WAS USED IMPROPERLY I DID NOT APPROVE THE USE OF MY INFORMATION FOR THIS PURPOSE
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this company is reporting a debt on my credit report that i have disputed with them and the 3 credit reporting agencies. it has been over 7 years and im still disputing this with the company and collection agency. i am requesting that this company provide me information of this debt, information to validate that i owe this debt, contracts and signatures of this debt. if this company can not provide valid documents stating i owe this debt i am requesting that they remove it off my credit report and to also stop contacting me about it. this company is stating i owe {$3500.00} from one debt and {$1000.00} from another company.
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This is my 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. <REDACTED> Balance : {$470.00} ; <REDACTED> Balance : {$1200.00} ; <REDACTED> Balance : {$0.00} ; <REDACTED> : <REDACTED> : {$340.00} ; <REDACTED> Balance <REDACTED> {$460.00} ; <REDACTED> ( Original <REDACTED> : {$270.00} ; <REDACTED> ( Original Creditor <REDACTED> ) <REDACTED> {$340.00} ; <REDACTED> Date Filed/Reported : <DATE> Reference # : <REDACTED> ; <REDACTED> Date Filed/Reported : <DATE> Reference # : <REDACTED> ; <REDACTED> ; <REDACTED> ; <REDACTED> ; <REDACTED> <DATE> <REDACTED> CA <REDACTED> <DATE> ; <REDACTED> , <REDACTED> <DATE> ; <REDACTED> <DATE> ; <REDACTED> <DATE>
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Ive found errors on my report tied to 15 USC 16c-2. Unauthorized inquiries are affecting my credit; please delete them.
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<DATE> Subject : Request for Investigation and Description of Investigation Process Disputed Account on My Credit Report ( <REDACTED> ) Dear CFPB, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed <REDACTED> account on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Upon reviewing my credit report, I identified discrepancies regarding late payment entries for this account that are inaccurate. Specifically : <REDACTED> : Reports 6 late payments between <REDACTED> and <DATE> ; however, not all these payments are visible in the credit report. Experian : Reports 10 late payments between <REDACTED> and <DATE> ; however, the report does not show all these late entries. <REDACTED> : Reports 5 late payments between <REDACTED> and <DATE> ; yet, several of these payments are not clearly documented in the report. Account Details : Account Number : <REDACTED> High Balance : {$400.00} ( <REDACTED> and Experian ), {$300.00} ( <REDACTED> Date Opened : <DATE> ( <REDACTED> ), <DATE> ( Experian and <REDACTED> Balance Owed : {$0.00} Payment Status : Current Account Status : Open Creditor Remarks : <REDACTED> " Dispute resolved; reported by grantor. '' Experian : " Account was in dispute- now resolved - reported by subscriber. '' <REDACTED> : " Account previously in dispute- now resolved by data furnisher. '' Basis for Dispute : To the best of my knowledge and records, I have consistently paid this account on time in accordance with the agreed-upon terms. The reported late payments are inconsistent with my actual payment history, and several of the payments listed by your bureaus do not appear in the credit report, which raises concerns about accuracy and completeness in reporting. Under the terms of my agreement with <REDACTED> , all payments were made on time and in full. As such, the account should accurately reflect a status of Paid As Agreed Never Late. The inaccurate reporting of late payments undermines the integrity of my credit report and misrepresents my financial responsibility. Request for Resolution : Correction of Errors : Update the account to reflect its accurate status of Paid As Agreed Never Late. Documentation : Provide documented proof supporting the claim of late payments on this account, including specific dates, amounts, and any relevant communication. Investigation Procedure : Provide a detailed description of the investigation procedure used to verify these late payments, per 15 USC 1681i. Supporting Evidence : I have attached a copy of my credit report highlighting the discrepancies and inconsistencies for your review. Legal Obligations : As mandated under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report must not include inaccurate information. Additionally, reasonable procedures, as required under 15 USC 1666 ( b ), should have been in place to ensure timely mailing of statements and accuracy in reporting. Failure to address these inaccuracies in a timely and thorough manner constitutes a violation of the FCRA. If your investigation can not verify the reported late payments, I demand the account be updated promptly to reflect accurate reporting with the status Paid As Agreed Never Late. I appreciate your prompt attention to this matter and expect a resolution within 30 days of receipt of this letter, as required by law. Please confirm receipt of this dispute and provide updates on the investigation. Sincerely, <REDACTED>
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I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. <REDACTED> <DATE> <REDACTED> <DATE> <REDACTED> <DATE>
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I had a car loan with SunTrust Bank. The payment was made each month automatically by <REDACTED> . Suntrust Bank was purchased by BB & T Bank and the new bank, Truist, did not accept the electronic transfer of the funds for the car payment. <REDACTED> has to mail a paper check to Truist <REDACTED> month. In <REDACTED> I was notified by Truist that the car payment had not been paid the previous month. I contacted <REDACTED> and I was told that the car payment had been sent 4 weeks eariler, but the check was never cashed. I contacted Truist and I was told I needed to authorize an immediate debit from my checking account, to pay the past due payment, and I was told to have <REDACTED> Bank issue a " stop payment '' on the missing check. I did exectly as they asked and the payment was debited from my <REDACTED> account. Evidently, later the same day, Truist located the missing check and discovered a " stop payment '' order was issued on that check. Trusit then charged me a {$25.00} fee for the " stop payment '' even though that is exactly what they had told me to do. When I asked for the fee to be waived, I ws told that only a supervisor could do that. When I asked to speak to a supervisor, I was told that was not allowed. I then asked for someone from Truist to contact me. I have never been contacted, and the fee has not been waived.
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It has been brought to my attention that the Experian, <REDACTED> and <REDACTED> Credit Bureaus are not removing files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im submitting this complaint to help establish a legal recourse. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge : <REDACTED>
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in <DATE> I disputed an inaccurate account with <REDACTED>, Experian, <REDACTED>. The inaccurate account was <REDACTED> / <REDACTED>/<REDACTED> account # <REDACTED>.All three credit bureaus stated that the account is verified, The inaccurate account is charged off and I've asked several times sent in letters to all the credit bureau for the method of verification because the account is charged off and the account was sold to a outside agency. And I have yet to get this information about the lender that bought the account.. <REDACTED> and Experian and <REDACTED> has failed to send me the method of verification on this account, How are yall verifying the account when it is charged off and was sold to a outside lender,, but all the failed to send me the Method Of Verification. my rights have been violated ... .and they need to remove this account from my credit file ... they failed to send me proof the account and failed to send me the method of verification,
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I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
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Hi, my name is <REDACTED> Ive been doing everything Im supposed to. On <DATE>, I mailed a Method of Verification letter ( MOV ) to the credit bureaus asking how they verified a negative account that I already disputed earlier through an FCRA 1681i dispute letter. I also previously sent them an Equifax Data Breach Letter because my personal information was compromised, and I believe thats how this account ended up on my credit in the first place. I attached screenshots and my FTC Identity Theft Report too. As of today, they have not responded to my MOV letter at all. They also never told me how they verified the account, and whats worse they didnt even mark it as disputed on my credit report after I followed the law and sent in my official dispute. Thats a violation of my rights under federal law, and it honestly makes me feel like I dont matter to them. Im not a lawyer. Im just a regular person trying to clean up my credit. It feels like they have all the power and they dont care about people like me. Im doing everything I can, and its like Im being ignored.
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I submitted a dispute to <REDACTED> to verify a specific account with <REDACTED> . On <DATE>, I received my dispute results in the mail stating that they verified that this account belongs to me. I am under identity theft at the time and I do not recognize this account. FCRA Act Section 611, gives you the right to request an explanation of the verification method used by the CRA. If either party has the records you can request a copy under the FACTA act, SEC 312 ( b ) and ( c ). I would like to challenge how <REDACTED> came to this decision without verifying the following : 1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 2.What certified documents were reviewed to conclude your investigation? 3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 4.What did it cost your company to obtain the documents needed to complete your investigation? 5.Please provide proof of your timely procurement of certified documents. 6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 7.If yes to above : a.Who did you speak to? b.On what date? c.How long was the conversation? d.What was their position? e.What telephone number did you call? f. What is the name of the employee of your company that spoke directly to the above party? g.What is the position of the employee of your company that spoke directly to the above party? h.How long has that employee been employed by your company? i.What formal training was provided to this employee to investigate items of this kind? j.Was there any e-mail or written communication between members of your company and the above party? 8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease
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I notice Fraudulent accounts being reported on my credit file and according to the FCRA 15 USC 1681 it is illegal to report inaccurate information, I am a victim of identity theft and did not make them charges please delete the accounts that's attached to the affidavit immediately. I have reported the theft of my identity to the FTC and my State Attorney general office. please delete the accounts as soon as possible to correct my credit file.
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I am writing to bring to your attention a matter concerning the inaccurate reporting of information related to my account. Pursuant to the provisions outlined in 15 USC 1681s-2 ( b ) regarding the Responsibilities of furnishers of information to consumer reporting agencies, I wish to dispute the presence of inaccurate information on my credit report. The specific account in question is <REDACTED> Account # <REDACTED>. According to my recent investigation, it was found that this item was inaccuracy and deleted by <REDACTED> and <REDACTED> due to inaccuracies in the reporting. It has come to my attention that, despite this deletion, your agency continues to furnish this inaccurate account information on my credit report. Per the aforementioned statute, if an investigation reveals incompleteness or inaccuracies, the furnisher of information is obligated to notify the other credit reporting agencies. In this case, <REDACTED> and <REDACTED> has already taken corrective action by deleting the inaccurate account. However, it appears that your agency has not been notified or has not updated its records accordingly. I kindly request that you investigate this matter promptly, and take the necessary steps to delete the inaccurate account from my credit report. I believe that the continued reporting of this inaccurate information is a violation of the legal provisions outlined in 15 USC 1681s-2 ( b ), and I expect your agency to rectify this situation in compliance with the law.
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After reporting <REDACTED> to the CFPB, my credit score was reduced <REDACTED> points to " Unfavorable '' for no reason. I have paid off a loan and reduced the amount of another loan, yet my score dropped to unfavorable. The other statistics on the report haven't changed so there is no reason for my score to have dropped so low.
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Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. STUDENT LOAN CREDITORS : <REDACTED> ACCOUNT NUMBER : <REDACTED> STUDENT LOAN CREDITORS : U S DEPT OF EDXXXX ACCOUNT NUMBER : <REDACTED> STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : <REDACTED> STUDENT LOAN CREDITORS : <REDACTED> ACCOUNT NUMBER : <REDACTED> Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. COLLECTION AGENCY : <REDACTED> ACCOUNT NUMBER : <REDACTED> COLLECTION AGENCY : <REDACTED> ACCOUNT NUMBER : <REDACTED> COLLECTION AGENCY : <REDACTED> ACCOUNT NUMBER : <REDACTED> COLLECTION AGENCY : <REDACTED> ACCOUNT NUMBER : <REDACTED> COLLECTION AGENCY : <REDACTED> ACCOUNT NUMBER : <REDACTED>
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In <DATE> I received a credit alert that a new mortgage account was opened. I did open a new mortgage but the mortgage proceeding was closed in an <REDACTED> of mines in <REDACTED>. The mortgage was opened under <REDACTED> , the mortgage was sold to <REDACTED> which started reporting under me personally. I bought this property under my <REDACTED>, it needs to be removed from my credit report.
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Old charge-off by <REDACTED> , sold to <REDACTED> , sold to <REDACTED>, in-house entity of <REDACTED> , paid old debt off in full, got receipt from <REDACTED> n a release from <REDACTED> , been sent multiple times, it's the last debt I owe anyone so kindly acknowledge that because you folks r doing nothing more than holding me back from improving my life further because of this one credit " roadblock '' that has been paid in full n released from the creditor months ago!
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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. <REDACTED> Account # <REDACTED> ( Original Creditor : <REDACTED> Account # <REDACTED> Account # <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 an 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 writing to let you know your agency is in violation of the Fair Credit Reporting Act. I have spoke with a Consumer Law Attorney and have studied the FCRA as well as the CFPB <REDACTED> opinions for FACT checking. What I learned is the items on my credit report should not be reporting at all without my consent. The only person to give consent is the consumer and that is me!! You are allowing improper use of credit reporting against what <REDACTED> has written. The consumer controls the credit reporting not the agency. It is the policy of <REDACTED> 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 non public personal information. I <REDACTED> , did not CONSENT to any bank or agency to report 15 USC 6802 ( B ) A financial institution may not disclose non personal information to a non affiliated third party unless ( A ) such financial institution clearly and conspiculously provides to the consumer in writing or in electronic form or other form. I DEMAND the items listed below be DELETED from my consumer report. <REDACTED> ) <REDACTED> - # <REDACTED>. <REDACTED> ) <REDACTED> I am a litigious consumer and will seek legal representation defending my right to <REDACTED> if these items are not removed.
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<DATE> <REDACTED> , Arizona <REDACTED> Date of Birth : <DATE> SS # : <REDACTED> Experian <REDACTED> , TX <REDACTED> Subject : Second FORMAL DEMAND FOR IMMEDIATE REMOVAL OF OUTDATED AND ERRONEOUS INFORMATION ADVERSE ACTION RESULTING FROM YOUR VIOLATIONS To Whom It May Concern, This letter serves as a Second formal demand under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, for the immediate removal of obsolete, inaccurate, and illegally reported information from my credit file. <REDACTED> failure to comply with the legally mandated reporting period has directly resulted in adverse action against me, including the denial of employment opportunities an outcome directly attributable to your unlawful reporting practices. I am fully aware of my rights under the FCRA, and I will not tolerate <REDACTED> reckless disregard for federal law. In <REDACTED> , the Ninth Circuit Court of Appeals reinforced the strict limitations imposed by the FCRA , ruling that consumer reporting agencies can not include certain adverse information beyond the statutory timeframe. Your failure to adhere to these reporting guidelines constitutes willful noncompliance, as outlined in 15 U.S.C. 1681n, exposing <REDACTED> to legal liability for damages, including punitive remedies. Because of <REDACTED> negligent and unlawful reporting, I have suffered financial and professional harm, including the loss of employment opportunities due to inaccurate or outdated negative information being improperly included in my consumer report. This is unacceptable, and I demand the immediate deletion of the following erroneous and outdated items from my credit report : Accounts. <REDACTED> Procedure in Case of Disputed Accuracy- INCOMPLETE AND INACCURATE INFORMATION <REDACTED> Account Number : <REDACTED> Please remove it from my credit report. 6. There is some inaccurate information reporting. <REDACTED> Account Number : <REDACTED> Please remove it from my credit report. 7. 15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Accuracy <REDACTED> Account Number : <REDACTED> Please remove it from my credit report. 1. The following personal information is incorrect Account Number : EMPLOYER : <REDACTED> 2. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES <REDACTED> Bankruptcy Case Number : <REDACTED> Please remove it from my credit report. 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS <REDACTED> Date of inquiry : <DATE> Please remove it from my credit report. 4. There is some inaccurate information reporting. <REDACTED> Account Number : <REDACTED> Please remove it from my credit report. Delete this account. Oh by the way I hope you understand that the FCRA states in the section below Adverse Action Notice : I also want to bring to your attention that the continued reporting of this unvalidated debt has had a significant adverse impact on my life. I was recently denied credit when applying for a job, as the employer conducts a credit check as part of their hiring process. The adverse information you reported contributed directly to my disqualification. This constitutes an adverse action under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681m. The denial of employment due to this unverified and potentially inaccurate information is not only distressing but may also be unlawful if the debt is not properly validated. As a result, I am requesting that you immediately investigate this matter and cease all collection activities until you can provide proper validation. Relevant Case Law Supporting My Request : 1. <REDACTED> , <REDACTED> ( <REDACTED> . <REDACTED> ) This case affirms the requirement that a debt collector must provide validation of the debt upon request and must cease collection efforts until proper validation is provided. 2. <REDACTED> , <REDACTED> ( <REDACTED>. <REDACTED> . <REDACTED> ) In this case, the court ruled that if a debt collector fails to validate a debt as requested, they can not continue to pursue collection activities. 3. <REDACTED> , <REDACTED> ( <REDACTED> . <REDACTED> ) This case highlights the necessity for a debt collector to provide accurate and complete information about the debt in question when validation is requested. Failure to comply with my request may constitute a violation of both the FDCPA and FCRA, and I reserve the right to pursue legal remedies to protect my rights. Please respond to this request within 30 days, as required by law. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( g ), I am formally requesting validation of this debt. According to the FDCPA, I am entitled to request and obtain verification of any alleged debt that a debt collector claims I owe. Specifically, I request : 1. Proof that your company is legally entitled to collect this debt. This includes any contracts, agreements, or assignments that show that you have the authority to collect on this debt. 2. Detailed accounting of the alleged debt, including a breakdown of the amount you claim I owe and how it was calculated. 3. Proof that I am the correct debtor. This includes any signed agreements or contracts that bear my signature and that demonstrate my legal obligation to pay this debt. If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these items bearing my signature, as I believe none exists. When you find no signed agreement bearing my signature, I need you to remove these items from my file. Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these items, I will be referring this matter to my attorney for further action. Please do not make this a litigious matter... Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to <REDACTED> or any means of automated verification. Sincerely, <REDACTED>
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I sent in a letter to the company to have them validate the debt. I specially ask the to attach copies of agreement with their client that authorizes them to collect on the alleged debt, agreement that bears signature of the alleged debtor and a complete payment history on the account so as to prove that the debt amount they wish to collect is correct. They never sent me neither of those documents. The only documentation that they provided to me was a bill from <REDACTED> bill cycle date <DATE>-<DATE>. THAT IS NOT PROPER VALIDATION!
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I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.
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On Saturday <DATE> someone accessed my account without my knowledge and attempted to send themselves money through <REDACTED> with the name <REDACTED> . On Sunday <DATE> I called USAA and informed them, they told me that my account had been compromised and that they fixed it. Later that day my account was once again compromised and a deposit of {$2000.00} was made. The person was named <REDACTED> , they sent themselves {$330.00} through <REDACTED> once more. The moment I realized someone was in my account I called USAA in tears. The created a fraud claim and told me to call back on Monday <DATE> at <REDACTED> my time for an update. I called today Monday <DATE> and was informed that the fraud department found that it wasnt fraud. I was then told to create a dispute because the person on the line didnt understand how it wasnt fraud. I was then on the phone with USAA for an hour and a half being transferred by multiple people just to be told that they will open yet another fraud claim as well as a dispute. Before this my account had {$140.00} my account now has - {$190.00} that I can not afford due to being laid off cause of COVID-19. They told me it would take YET ANOTHER 1-2 business days to figure out what has been happening. USAA has been no help throughout this and has put me through more emotional damage and trouble than the initial experience.
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I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
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My accounts 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 to be removed/updated. 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. 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!
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My account was never late! I have had exceptional payment history 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 to be updated. 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. 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! Update the late payments from my consumer reports
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Still reporting an incorrect address on my report. I didnt live there. <REDACTED> , PA <REDACTED>
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<REDACTED> allowed someone to open a fradulant account Using all of my personal information with out verification. I notified them of this and filed police reports. they turned my account over to Sunrise credit who has been reporting this since <DATE>. They refuse to remove this from my proflle.
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I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
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Recently, I checked my credit report and noticed multiple billing errors under <REDACTED> ( b ) Billing Error : ( <REDACTED> ) The creditors failure to properly reflect 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 on a statement. <REDACTED> Code <REDACTED> - Timing of Payments ( 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 <REDACTED> ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than <REDACTED> days before the payment due date.
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Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under <REDACTED> ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : EXPERIAN <REDACTED> Account name <REDACTED> Account number <REDACTED> Account type Credit card Balance {$1300.00} Date opened <DATE> Open/closed Closed Account name <REDACTED> Account number <REDACTED> Account type Credit card Balance {$0.00} Date opened <DATE> Open/closed Closed Account name <REDACTED> Account number <REDACTED> Account type Auto Loan Balance {$12000.00} Date opened <REDACTED> , <REDACTED> Open/closed Closed Account name <REDACTED> Account number <REDACTED> Account type Unsecured Balance {$0.00} <REDACTED> opened <DATE> Open/closed Closed Account name <REDACTED> Account number <REDACTED> Original creditor <REDACTED> Account type <REDACTED> {$1200.00} Date opened <DATE> Account name <REDACTED> Account number <REDACTED> Original creditor <REDACTED> Account type Collection Balance {$170.00} Date opened <DATE> EQUIFAX <REDACTED> Account name <REDACTED> Account number <REDACTED> Account type Revolving Balance {$1100.00} Date opened <DATE> Open/closed Closed Account name <REDACTED> Account number <REDACTED> Account type Revolving Balance {$0.00} Date opened <DATE> Open/closed Closed Account name <REDACTED> Account number <REDACTED> Account type Installment Balance {$12000.00} Date opened <REDACTED> , <REDACTED> Open/closed Closed Account name <REDACTED>, <REDACTED> Account number <REDACTED> Original creditor <REDACTED> Account type Installment Balance {$0.00} Date opened <DATE> Open/closed Closed Account name <REDACTED> Account number <REDACTED> Original creditor <REDACTED> TX Account type Collection Account Balance {$0.00} Date opened <DATE> Account name <REDACTED> Account number <REDACTED> Original creditor <REDACTED> Account type Open Account Balance {$1200.00} Date opened <DATE> Account name <REDACTED> , <REDACTED> Account number <REDACTED> Original creditor <REDACTED> Account type Collection Account Balance {$16000.00} Date opened <DATE> Account name <REDACTED> Account number <REDACTED> Original creditor <REDACTED> Account type Collection Account Balance {$170.00} Date opened <DATE> TRANSUNION <REDACTED> Account name <REDACTED> , <REDACTED> Account number <REDACTED> Account type Open account Balance {$0.00} Date opened <DATE> Open/closed Closed Account name <REDACTED> Account number <REDACTED> Account type Revolving account Balance {$0.00} Date opened <DATE> Open/closed Closed Account name <REDACTED> Account number <REDACTED> Account type Revolving account Balance {$1100.00} Date opened <DATE> Open/closed Closed Account name <REDACTED> Account number <REDACTED> Account type Installment account Balance {$12000.00} Date opened <REDACTED> , <REDACTED> Open/closed Closed Account name <REDACTED> Account number <REDACTED> Account type Installment account Balance {$0.00} Date opened <DATE> Open/closed Closed Account name <REDACTED> Account number <REDACTED> Original creditor <REDACTED> TX Account type Open account Balance {$0.00} Date opened <DATE> Account name <REDACTED> Account number <REDACTED> Original creditor <REDACTED> Account type Open account Balance {$1200.00} Date <REDACTED> <DATE> Account name <REDACTED> Account number <REDACTED> Original creditor <REDACTED> Account <REDACTED> Open account Balance {$16000.00} Date opened <DATE> Account name <REDACTED> Account number <REDACTED> Original creditor <REDACTED> Account type Open account Balance {$170.00} <REDACTED> opened <DATE><REDACTED>
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Hi I am submitting this <REDACTED> 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 <REDACTED>. 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 <REDACTED> i made this clear for 60 days straight with transunion i spoke to a representative agent name <REDACTED> and <REDACTED> and <REDACTED> 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 <REDACTED> 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 <REDACTED> and stopping me from getting this job offer n now im <REDACTED> n cant provide to my <REDACTED> year old daughter PLEASE HELP ME PLEASE im <REDACTED> now
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<DATE> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. Account Information : Creditor 's Name : <REDACTED> Account Number : <REDACTED> Dates of Late Payments : <DATE>, <DATE>, <DATE> and <DATE>. Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by <REDACTED> . I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I made my payments on time. The payments were due on the <REDACTED> of each month, and both payments were submitted on the <REDACTED> of the respective months. I have included bank statements and payment confirmations to verify that the payments were made before the due dates. There appears to have been an internal error by <REDACTED> , where the payments were not correctly processed or credited to my account on time, leading to these inaccurate late payment reports. Additionally, no notification or communication was sent to inform me of a late payment, which further supports that the reported delinquency is in error. Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. Sincerely, <REDACTED>
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I am filing this complaint against Affirm Inc. for inaccurate credit reporting. On <DATE>, and <DATE>, Affirm charged off two of my accounts and transferred the debts to third-party collection agencies, <REDACTED> and <REDACTED>. Despite no longer owning the debts, Affirm continues to report a balance owed on my credit report, which violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ). I contacted Affirm on <DATE> to dispute the incorrect balance reporting and requested that my credit report be updated to reflect a {$0.00} balance and a " Transferred/Sold '' remark as required by law. Affirm Acknowledged the Debt Was Sold : In a written conversation, Affirm confirmed that my accounts were sold to collection agencies. Affirm Has Not Corrected the Reporting : Despite my dispute, as of <DATE> via certified mail, my credit report still incorrectly shows an outstanding balance under Affirms name, causing damage to my credit profile. My credit report falsely reflects active debts with Affirm, even though they no longer own the accounts. This misreporting is lowering my credit score and affecting my financial opportunities. Affirms failure to follow proper reporting standards is misleading and illegal under the FCRA. If Affirm does not correct this inaccurate reporting, I request that the CFPB investigate Affirms credit reporting practices and take enforcement action to ensure compliance with the FCRA.
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I pulled my credit file on <REDACTED> and saw that Ally Financial pulled my credit report without my permission. I called and spoke with a rep in the customer service department <REDACTED> agent # XXXXand he stated that he would send it to the fraud department and after investigation they will contact the credit bureaus. The problem I have with this, they only asked for my name and address, which I provided. I explained to him that that was generic information and I couldn't imagine that that's all the info he needed. In there phone system I put my social security number and no account popped up. He couldn't explain to me why Ally pulled my credit on <DATE> without my consent ; therefore, I have placed freezes back on my credit report and I am filing this complaint. I need this off my credit report and this company to be held accountable fir fraudulent practices.
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I have contacted this company named <REDACTED> since <REDACTED> regarding a personal line of credit that was issued. I have been provided with misleading information regarding the dispute of their investigation every since time! Ive spoken too a resolution specialist in the Iowa Office <REDACTED> and he provided me the resolution too resolve the matter, and once I accepted that offer the executive office lost contact with that representative. The representative <REDACTED> was unable to be reached.. I was given the run-around by EVERY supervisor when calling in AND, I had to provide my story every single time! This amount is excessive and higher than the original balance the company has been in a class action lawsuit <DATE> regarding damaging credit and was suppose too release at least an amount of {$25.00} <REDACTED> too non-compensatory damages. I NEVER received any information regarding they would assist as I complained EVERY YEAR too this company about my compliant. I have all documentation regarding the suit and how they allegedly claimed to help those who was hurt. Within the Case <REDACTED> /Document <REDACTED> 2. Settlement Benefits it states : Net Settlement Pool 1, which will be 77.46 % of the net settlement fund, will go too paying damages related too period running from <DATE> through <DATE>. The documentation Also states they as in <REDACTED> would pay for the Fee Damages, and Credit Impact Damages for the <REDACTED> to write and still leave at least {>= $1,000,000} for Non-Compensatory Damages The documentation states they are Obligated too pay the amount. It states as well if a previous consumer has complained too <REDACTED> or Federal Agencies they would be automatically enrolled into the settlement in section ECF <REDACTED>. AS I READ <REDACTED> , <REDACTED> has AGREED too pay {$1.00} <REDACTED> towards their so called expert analysis which wouldve been the title of <REDACTED> who was miraculously retired/and or fired.
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I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) to report multiple inaccurate, misleading, and harmful credit entries that are currently being reported by furnishers and credit reporting agencies. These accounts have been damaging to my credit profile, affecting my ability to obtain fair credit and causing emotional and financial hardship. Despite my repeated efforts to dispute and request verification, these accounts remain unresolved and continue to violate my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I respectfully request the CFPBs assistance in investigating these issues and ensuring that my credit report is corrected as required by law. <REDACTED> Account # : <REDACTED> Date Opened : <DATE> Balance Owed : {$0.00} * * Charge-Off Issue : This charge-off is reported with a {$0.00} balance, suggesting settlement or closure, yet the derogatory status remains Law & Instruction : Under FCRA 607 ( B ) and 611, the bureau must ensure maximum possible accuracy and remove outdated or misleading items Story : This account was resolved and holds no balance, yet it is still marked negatively as a charge-off. This misrepresentation is unfair and causes unnecessary harm to my credit profile. It misleads lenders about my financial responsibility <REDACTED> Account # : <REDACTED> Date Opened : <DATE> Balance Owed : {$0.00} * * Late Payment Issue : This account reports a late payment although the balance is {$0.00} and the account appears to be closed Law & Instruction : Pursuant to FCRA 611 and 609 ( a ) ( 1 ), please conduct a reinvestigation and provide verification of the late payment entry. If not verifiable, delete it Story : I dispute the accuracy of the late payment notation. The account was closed with no due balance, and any late payment record is incorrect. This erroneous reporting negatively impacts my payment history unfairly <REDACTED> Account # : <REDACTED> Date Opened : <DATE> Balance Owed : {$0.00} * * Late Payment Issue : The late payment reported on this long-closed account is inaccurate and outdated Law & Instruction : Under FCRA 605 ( a ) ( 5 ), negative information beyond seven years must be excluded unless legally required otherwise Story : This account was resolved years ago, and any late payment reference now is obsolete and unfairly prejudicial. It is improper to penalize me for events that occurred more than seven years ago on a zero-balance account <REDACTED> Inquiry Date : <DATE> Hard Inquiry Issue : This appears to be a duplicate of the previous inquiry on the same date, possibly due to system error or improper pull Law & Instruction : FCRA 607 and 611 provide for the correction or removal of duplicated or inaccurate information in a consumers file Story : Multiple entries for the same inquiry date are misleading and damaging to my score. I did not approve multiple inquiries and request immediate deletion of the duplicate record I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate these matters thoroughly and take appropriate enforcement or corrective action to ensure my rights as a consumer are protected. These inaccuracies have caused serious damage to my credit score and financial wellbeing, and they remain unresolved despite my good faith efforts to communicate with the furnishers and the credit bureaus. I respectfully ask the CFPB to ensure these accounts are properly verified or deleted and to hold the reporting entities accountable for any violations of federal law. I request copies of all findings and results once the investigation is complete.
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Have disputed address not associated with numerous times and has not been permanently removed <REDACTED>
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In accordance with the Fair Credit Reporting Act <REDACTED> account number <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 an account without my written instructions.
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Clarity Services Inc has 3 inquiries in my credit report when I tried to get a payday loan. It was never disclosed that I would get a hard pull prior to being approved for a payday loan. I have gotten them in the past with no impact to my credit.
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I just recently looked on my report <DATE>. I am writing to dispute multiple unauthorized hardcredit inquiries on my consumer credit report under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). On <DATE> I applied for auto financing at <REDACTED> which I understood would result in one inquiry. However, my Equifax/<REDACTED>/TransUnion report as of today <DATE> shows eight separate hard inquiries from lenders I never directly contacted or authorized. I request that you investigate and remove all unauthorized inquiries except the single inquiry I did authorize. Please : Conduct a reasonable investigation of each inquiry listed below. Delete any inquiry that can not be fully verified as having been authorized by me. Please send me confirmation of your findings and an updated copy of my credit report reflecting the deletions. Lender Name <REDACTED> Inquiry Date <DATE> Lender Name <REDACTED> <DATE> [ Lender Name <REDACTED> <DATE> [ Lender Name <REDACTED> <DATE> [ Lender Name <REDACTED> <DATE> [ Lender Name <REDACTED> [ Lender Name <REDACTED> <DATE> [ Lender <REDACTED> Name ] <REDACTED>
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<REDACTED> continues to report I was 30 days late on my account- even though I do a dispute with <REDACTED> they take it off but keep putting it back on. I was never 30 days late. <REDACTED> bill was due <DATE>, was paid <DATE> <REDACTED> bill was due <DATE> was paid on <DATE> along with the <REDACTED> bill. They continue to report it to the credit bureau even after the credit bureau takes it off.
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My account with <REDACTED> 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 <REDACTED>, <REDACTED>, <REDACTED>, <REDACTED>, <REDACTED>, <REDACTED>, and <REDACTED> 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. <REDACTED> 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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defamation of character. <REDACTED> said my <REDACTED> shows a late clearly from <REDACTED> paid on time never late
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Nationwide Recovery has ceased collection on <REDACTED> account for <REDACTED>. <REDACTED> has not deleted it but it's been deleted from my <REDACTED> credit report.
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<REDACTED> keeps reporting on my credit report that this was included in my bankruptcy and it was NOT! Mi have attached proof. have disputed this for years & they are refusing to change the report. It shows and always have shown that I paid on time ; never late ; positive ratings on my credit report. Now its a red flag on my credit report stating they are saying it was included and discharged through Bankruptcy so now my Credit has a flag and its lowered my credit. This is all incorrect information and I need them to correct it ASAP because its impacting my ability to purchase a home!
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Under FCRA 611 ( 15U.S.C.1681i ), I request written confirmation that this fraudulent account has been blocked and removed as required by the FTC Identity Theft Affidavit. Please explain why it was not removed initially, despite my submission of all required documentsincluding my ID, Social Security number, proof of address, and FTC Identity Theft report. I also request disclosure of the investigation method used, as required by law, and evidence that the credit bureau contacted the FTC to verify the affidavit, including the names and addresses of any persons or entities involved. Recent lawsuits against <REDACTED> reveal troubling patterns of noncompliance, emphasizing the need for adherence to federal law. As required under FCRA 605B, I expect a complete investigation and all requested documentation within four business days. Should you fail to delete this account within that time frame, I demand the name and address of anyone contacted to verify the disputed information.
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In <REDACTED> at the age of <REDACTED> I was allowed to get a credit card from <REDACTED> . According to Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any unverifiable, inaccurate, or outdated information from my credit report. Also, according to the Credit Card Accountability Responsibility and Disclosure Act of 2009 : ( 8 ) APPLICATIONS FROM UNDERAGE CONSUMERS. ( A ) PROHIBITION ON ISSUANCE.No credit card may be issued to, or open end consumer credit plan established by or on behalf of, a consumer who has not attained the age of 21, unless the consumer has submitted a written application to the card issuer that meets the requirements of subparagraph ( B ). ( B ) APPLICATION REQUIREMENTS.An application to open a credit card account by a consumer who has not attained the age of 21 as of the date of submission of the application shall require ( i ) the signature of a cosigner, including the parent, legal guardian, spouse, or any other individual who has attained the age of 21 having a means to repay debts incurred by the consumer in connection with the account, indicating joint liability for debts incurred by the consumer in connection with the account before the consumer has attained the age of 21 ; or ( ii ) submission by the consumer of financial information, including through an application, indicating an independent means of repaying any obligation arising from the proposed extension of credit in connection with the account. I was not 21 years of age when I was duped into having a credit card, I did not have any income, and my parents did not co-sign for me to have a credit card. I filed a dispute with Navy Federal but did not have the issue resolved.
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To Whom It May Concern, This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. <DATE> ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. Please remove <REDACTED> Account # :<REDACTED> from my report 2.Please remove <REDACTED> account Account # <REDACTED> from my report 3.Please remove <REDACTED> Account # : <REDACTED> & <REDACTED> from my report 4.Please remove <REDACTED> Account # <REDACTED> from my report 5. Please remove <REDACTED> Account # : <REDACTED> from my report 6.Please remove <REDACTED> Account # <REDACTED> from my report 7.Please remove <REDACTED> Account # <REDACTED> from my report 8.Please remove <REDACTED> Account # <REDACTED> from my report The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. 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 fifteen ( 15 ) days of the completion of your re-investigation. Sincerely yours, <REDACTED> _________________________________________
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I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
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Transunion, <REDACTED>, & <REDACTED> continue to report incorrect information on my consumer report. My name <REDACTED> my address is <REDACTED> this is the only correct information that should be on my report.
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I have submitted numerous letters to the credit reporting agencies. And have not received any documentation proving debt.
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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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Dear Equifax, I am writing to request the removal of adverse information from my credit report that resulted from my experience as a victim of human trafficking. Specifically, I am referring to the account listed under <REDACTED> , Account Number : <REDACTED>. I have previously submitted the necessary documentation, including proof of identity and a victim determination statement. I am resubmitting these documents for your reference. According to the Consumer Financial Protection Bureau 's guidelines, consumer reporting agencies are required to block such information within four business days of receiving a valid request. Please confirm the removal of this account from my credit report and provide an updated copy reflecting this change. Sincerely,
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I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time. This incorrect reporting has negatively impacted my FICO Score. Under US Law 15 U.S.C. 1666b, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments.
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" I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. Unauthorized Inquiry ( s ) <REDACTED> Date of Inquiry ( s ) : <DATE> Unauthorized Inquiry ( s ) <REDACTED> Date of Inquiry ( s ) : <DATE> Unauthorized Inquiry ( s ) <REDACTED> Date of Inquiry ( s ) : <DATE> Unauthorized Inquiry ( s ) : <REDACTED> Date of Inquiry ( s ) : <DATE> Unauthorized Inquiry ( s ) : <REDACTED> Date of Inquiry ( s ) : <DATE> Unauthorized Inquiry ( s ) <REDACTED> XXXXY Date of Inquiry ( s ) : <DATE> Unauthorized Inquiry ( s ) : <REDACTED> Date of Inquiry ( s ) : <DATE> Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint # ( <REDACTED> ) as proof from the US Federal Trade Commission that all of the aforementioned hard inquiries are the
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bank of america decieed to close my checking account and did nit notify me at all by phone, email, text message So i went to branch and they told me my mother might of closed it ut that wasnt the case i went agian to a different branch and was told its stilll pending and it was closed due o misabuse so i dont no how long i have to wait for my remaining funds but can access my funds until its finalize close and they said i will recieve a check but i have bills to pay and its affecting my livelyhood ....
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I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
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Date : <DATE> <REDACTED> , <REDACTED> , FL <REDACTED> Re : Validation for Acct # <REDACTED> To Whom It <REDACTED> Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. Please provide at least the following information within <REDACTED> days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased? <REDACTED> paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. If your offices fail to respond to this validation request within <REDACTED> days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Sincerely, <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. 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 writing to formally dispute inaccurate information listed on my credit report. I have reviewed my credit report, and I noticed the following errors that need to be corrected immediately : Personal Information : My correct name is <REDACTED> . Please remove the alternate name listed as " <REDACTED> . '' Account Disputes : <REDACTED> Account : This account does not belong to me and is inaccurately associated with my credit profile. I request its immediate removal from my credit report. <REDACTED> Account : This account also does not belong to me. Please investigate and remove this erroneous listing from my credit report. I have attached copies of supporting documents, including a government-issued ID and proof of residence, to verify my identity and current address. Please conduct a thorough investigation and provide me with the results of your findings. Under the Fair Credit Reporting Act ( FCRA ), I understand you are required to investigate my dispute and respond within 30 days. I would appreciate it if you could provide written confirmation once these corrections have been made. Thank you for your prompt attention to this matter. If you require further information or documentation, please do not hesitate to contact me via mail at the address listed above. Sincerely, <REDACTED>
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On <DATE>, my husband and I purchased an automobile at <REDACTED> in <REDACTED> . We authorized <REDACTED> to pull credit. They mistakenly pulled the credit for <REDACTED> twice through <REDACTED> . My husband 's credit was locked and they were trying to pull a joint application inquiry, so it pulled my information and when my husband unlocked his credit report, they pulled my information again. I tried to correct this with <REDACTED> and they said I would need to contact the credit bureau. The credit bureaus said I would need to file a complaint so they could remove it from my report. I did not authorize 2 credit pulls. Both were on the same day. I was recently turned down for credit due to this duplicated pull. On <DATE>, I only authorized <REDACTED> to pull credit. <REDACTED> , <REDACTED> , <REDACTED> and COAF were not authorized to pull my credit. The auto dealership, <REDACTED> of <REDACTED> somehow submitted the application, which was intended only for <REDACTED> , to be sent to multiple credit companies. These companies did not have my known authorization to inquire about a loan. On <DATE>, I visited a dealership to purchase a recreational vehicle. I authorized <REDACTED> to pull credit. I did take a loan out through <REDACTED> for the purchase. However, I never authorized the dealership to use multiple lenders. The dealership discussed the loan terms through <REDACTED> prior to me authorizing the credit application with <REDACTED>. An unauthorized credit pull was made by <REDACTED> to and shows up through a <REDACTED> Credit report twice during the day. I was told to contact the credit bureau to clear up the reporting matter. The credit bureau said I needed to file a complaint so they could document the matter and remove the duplicate inquiry from my report. These unauthorized credit inquiries recently caused a denial of credit through <REDACTED> due to too many inquiries. My credit score is above <REDACTED> and I have managed my credit for over 30 years with no derogatory issues. My debt to income is adequate for credit. These credit inquiries caused a financial loss of {$40.00} due to the promotional offer from <REDACTED> that was declined for reasons stated above. <REDACTED> was contacted and confirmed that the denial was a systemic decline due to the number of inquiries. Furthermore, the purchase that was to be made with the credit was for medical reasons and delayed the delivery of necessary accommodations for my father.
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[ <REDACTED> ] [ <REDACTED> ] [ <REDACTED> , De <REDACTED> ] [ <REDACTED> ] [ <REDACTED> ] Consumer Financial Protection Bureau <REDACTED> Washington, DC <REDACTED> Subject : Formal Dispute of Inaccurate Credit Reporting Request for Deletion Under FCRA Dear CFPB, I am submitting this formal dispute regarding inaccuracies reported by <REDACTED>, <REDACTED>, and Equifax concerning account <REDACTED>. These errors violate the Fair Credit Reporting Act ( FCRA ) by failing to ensure accuracy, consistency, and completeness in credit reporting. Discrepancies Identified : Inconsistent High Balance : High balance reported as {$270.00} contradicts the secured credit card limit of {$500.00}. Missing Verification Dates : <REDACTED> and Equifax fail to provide a " Last Verified '' date. Conflicting Account Remarks : <REDACTED> and <REDACTED> list contradictory remarks ( " Charged off as bad debt '' vs. " Dispute resolved '' ), while Equifax adds further discrepancies ( " Account was in dispute - now resolved '' ). Erroneous Payment History : Equifax lists 64 instances of being 90 days late, which is implausible given the timeline. Account Type Variations : Inconsistent classification of the account type ( e.g., " Secured credit card '' vs. " Credit line secured '' ). Date of Last Activity Discrepancies : <REDACTED> ( <DATE> ), <REDACTED> ( <DATE> ), and Equifax ( <DATE> ) report conflicting dates. Creditor Type Variations : <REDACTED> and <REDACTED> list " Bank Credit Cards, '' while Equifax states " All Banks. '' These inaccuracies violate 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 1 ) ( A ) of the FCRA, which require accurate, verifiable, and consistent reporting. [ <REDACTED> ] <DATE><REDACTED>
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I am writing to formally request the immediate blocking and deletion of the account listed below in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. Under these provisions, any account or inquiry resulting from unauthorized access or fraudulent activity must be blocked and deleted from my credit file. Please ensure that the following account is blocked and deleted from my credit report : ACCOUNT : <REDACTED> - <REDACTED> - <REDACTED> - {$13000.00}
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<REDACTED> , Texas, <REDACTED> <DATE> Consumer Financial Protection Bureau ( CFPB ) <REDACTED> , IA <REDACTED> Subject : CFPB Late Payment Removal - Final Request Dear CFPB Representative, I am filing a formal complaint against <REDACTED>, <REDACTED> and TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account # <REDACTED>. Despite multiple written requests for correction ( letters dated <DATE><REDACTED> ] and <DATE><REDACTED> ), my requests have been ignored, constituting a violation of multiple federal statutes, including the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Violations Committed : Fair Credit Reporting Act ( FCRA ) Violations : Under 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The continued reporting of this inaccurate late payment demonstrates a failure to comply with this requirement. 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of consumer credit files. In my case, this obligation has not been upheld. 15 U.S. Code 1681e ( b ) requires that consumer reporting agencies maintain reasonable procedures to assure maximum possible accuracy in credit reports. 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) states that certain transactions and experiences should not be considered part of a consumer report if they do not meet specific criteria. Truth in Lending Act ( TILA ) Violations : The TILA emphasizes the necessity of accurate and timely disclosures to consumers. The wrongful reporting of a late payment has damaged my creditworthiness, causing undue financial harm. Gramm-Leach-Bliley Act ( GLBA ) Violations : 15 U.S. Code 6801, 15 U.S. Code 6802, and 15 U.S. Code 6803 require financial institutions to protect consumer privacy and ensure the accuracy of financial reporting. The mishandling of my credit information suggests a failure to meet these obligations. Protection Against Non-Payment of Obligations Act ( PAANL ) : This act holds creditors accountable for providing timely statements and preventing unfair penalties. The continued presence of this late payment on my report contradicts this protection. Identity Fraud and Misreporting - 18 U.S. Code 1028A : The continued reporting of false information could be classified as a misrepresentation of identity or fraudulent reporting, which carries legal consequences under federal law. Formal Request for Correction : I formally demand the immediate removal of the inaccurate late payment notation from my credit report. If this issue is not resolved immediately, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. Reference to PAANL ( Paid As Agreed Never Late ) : The terms of our agreement have always been met, and the account in question must reflect the status of " Paid As Agreed, Never Late. '' I request documented proof supporting the claim of late payments, including : Dates, amounts, and all communication records indicating that the payments were actually late. In the absence of valid proof, I expect an immediate correction of my credit report. If, after investigation, you fail to provide verifiable proof of late payments, I demand that the account be updated immediately to reflect its accurate status as " Paid As Agreed, Never Late. '' Per the FCRA, I expect a timely investigation and a written response within 30 days from the receipt of this dispute letter. Failure to comply will be considered a direct violation of multiple federal laws. Errors & Discrepancies Identified : Inconsistent Account Status : TransUnion reports the account as Closed, while <REDACTED> and <REDACTED> report it as Paid. This inconsistency should be corrected to reflect the same status across all bureaus. Conflicting Payment Status and Delinquency Reporting : The account is marked as Current in all three bureaus, yet the two-year payment history contradicts this by showing late payments ( 30 days late in <REDACTED> and <REDACTED> ). If the account is current, there should be no late payment history. This is a direct violation of 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting inaccurate information. Date of Last Reported Activity Inconsistencies : TransUnion states the last reported date as <DATE>, while <REDACTED> reports <DATE>. The reporting date should be uniform across all bureaus to ensure accurate data. Missing or Misleading Comments : <REDACTED> : Closed or paid account/<REDACTED> balance, while TransUnion simply states Closed and <REDACTED> does not provide any comment. The comment section should consistently reflect that the account is closed and paid in full. Incorrect Payment History : The two-year payment history for <REDACTED> and <REDACTED> shows late payments ( 30 days late ), even though the account is marked as Current. This contradicts the payment status and needs immediate correction. Resolution Requested : Immediate removal of the late payment notation from my credit report. Written confirmation of the correction. Acknowledgment of compliance with federal laws. I trust that you will promptly rectify this issue and ensure my credit report reflects accurate information. Thank you for your immediate attention to this serious matter. Sincerely, <REDACTED>
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I have not supplied proof under the doctrine of estoppel by silence, <REDACTED> . I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
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I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
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On <DATE>, I received a debt collection phone call from the firm, <REDACTED> of <REDACTED> , <REDACTED> , <REDACTED> ( no last name given ) stated that <REDACTED>, the company managing my long-term <REDACTED> benefits, had turned over debt collection to them for " <REDACTED> offset. '' He claimed that I owed {$23000.00} in Social Security benefits, dating back from <REDACTED>, <REDACTED>, to <DATE>. I told <REDACTED> that I had only just started receiving benefits in <REDACTED>, <REDACTED>, and that I had received only the benefits for <REDACTED>, <REDACTED>, and <REDACTED>, <REDACTED> - that I have received NO BACK BENEFITS. He said that his collection company would intercede with <REDACTED> on my behalf about the debt, and that he'd be " checking on '' the debt every few weeks! I tried explaining this directly to my <REDACTED> claims <REDACTED>, <REDACTED> , that referring me to a collection agency about money I was never paid without even asking me about it, she said that a separate department of her company handled " recovery '' of " overpayment '' of Social Security benefits and that she would ask someone to call me about this issue. <REDACTED> , a <REDACTED> from <REDACTED> , called me and said much the same as <REDACTED>. I wrote a letter, which I mailed and emailed to <REDACTED> asking for a transcript of the recorded phone call during which I clearly and repeatedly dispute this debt in its entirety. On <DATE>, I received a written collection notice in my postal mail, again stating that I owe {$23000.00} in " <REDACTED> ' to <REDACTED>. I have now explained to my <REDACTED> claims <REDACTED> AND <REDACTED> different <REDACTED> & <REDACTED> employees that I have received NO BACK PAYMENTS from Social Security. This is harassment!
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I am a victim of identity theft please remove this fraud inquiry from my credit report.
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I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
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<DATE> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. Account Information : Creditor 's Name : <REDACTED> Account Number : <REDACTED> Dates of Late Payments : <DATE> Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by <REDACTED> . I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : The payment was made on time, but it appears that there was an internal processing delay that caused the payment to be recorded late. I have attached bank statements that confirm the payment was withdrawn from my account before the due date. Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. Sincerely, <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. 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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Re : Dispute of Inaccurate Information Pursuant to 15 U.S.C. 1681i ( a ) I am writing to dispute the accuracy information that appears on my credit report. Pursuant to my rights under the Fait Credit Reporting Act ( FCRA ), Specifically 15 U.S.C. 1681i ( a ), I am requesting to reinvestigation of the following item : Service Finance Company Description of Inaccuracy : Charge off reporting every month I believe that the information listed above is inaccurate and does not reflect my true credit history. In accordance with 15 U.S.C. 1681i ( a ) I kindly request that you conduct a reinvestigation of this matter to determine the accuracy of the disputed information. Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. Thank you for your prompt attention to this matter. I look forward to your response.
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Re : Complaint Regarding <REDACTED> Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against <REDACTED> regarding its failure to protect consumer data, resulting in the massive <REDACTED> data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, <REDACTED> continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. Facts of the Complaint Exposure of Personal Data : As a result of the <REDACTED> breach, my personal information was exposed to unauthorized third parties without my consent. Failure to Notify in a Timely Manner : <REDACTED> failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. Failure to Maintain Reasonable Security Practices : <REDACTED> violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 1681b : <REDACTED> failed to properly restrict access to consumer information. 1681e : <REDACTED> failed to implement adequate procedures to ensure consumer file accuracy and security. Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq. 6801 ( b ) : <REDACTED> failed to implement safeguards to ensure the security of sensitive consumer data. Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq. 5531 ( a ) : <REDACTED> engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) umer data and not adequately notifying affected consumers. <REDACTED> engaged in unfair and deceptive trade practices by failing to protect cons
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I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.
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Sent numerous notarized interventions to this creditor on <DATE>, <DATE>, <DATE>, <DATE>, and <DATE> and they have yet to respond to this erroneous account with any validation and/ or removal of account. Filling a <REDACTED> complaint against this creditor as well.
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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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : <REDACTED>
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I am writing to dispute and request the immediate removal of fraudulent inquiry from my credit report. Upon reviewing my credit report, I have discovered several inquiry that is not authorized by me. This inquiry is damaging my credit standing and have the potential to cause significant harm to my financial reputation. I have already submitted a report to the Federal Trade Commission ( FTC ) regarding this fraudulent inquiry and have enclosed a copy for your reference. Despite this, this inquiry is still being reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I demand that this inquiry be removed immediately. <REDACTED> <DATE>
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The following account are reporting as charged off, an I havent received my <REDACTED> C form for other account. An because of that fact the account is inaccurate and has to be removed. The account are <REDACTED>
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I spoke with experian and <REDACTED> today which is <DATE> about some negative inquiries that are reporting on my credit report and they did nothing to help but give me a hard time. <REDACTED> : <REDACTED> <DATE>, <REDACTED> <DATE>, <REDACTED> <DATE>, <REDACTED> <DATE>, experian : <REDACTED> <DATE>, <REDACTED> <DATE>, <REDACTED> <DATE>, <REDACTED> <DATE>, <REDACTED> <DATE>, <REDACTED> <DATE>,
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My information was exposed in the <REDACTED> of people who information was exposed in a data breach. And please dont turn my claim under a 30 day dispute.
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The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Number : <REDACTED> Account Name : <REDACTED> Account Number : <REDACTED> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this.
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In accordance with the fair credit reporting act converging account numbers have violated my rights 15 U.S code 1681 602H I have the right to privacy. 15 U.S code 1681 604A section 2 Consumers can not furnish an account without my written consent. <REDACTED> <DATE> <REDACTED> <DATE> <REDACTED> <DATE> <REDACTED> <DATE> <REDACTED> <DATE><REDACTED>
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I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information :
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Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and <REDACTED>. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
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This is a NEW complaint based on Berkshire Banks refusal to delete a <REDACTED> record tied to a charged-off account. On <DATE>, I requested a goodwill deletion with settlement of the record after the account was closed and charged off on <DATE>. On <DATE>, <REDACTED> ( <REDACTED>, <REDACTED> ) responded through the CFPB portal stating they would not delete the entry, citing policy and claiming it must remain under the Fair Credit Reporting Act. This statement is legally incorrect. The FCRA does not prohibit voluntary deletions. It only requires that furnished data not be false or misleading. Berkshire is refusing deletion on the grounds of internal policy not legal obligation while Ive made multiple efforts to settle and resolve the issue amicably. I was initially open to settling the account for {$570.00}, but now request full deletion with no payment based on : Misrepresentation of FCRA obligations Denial of modern banking tools like <REDACTED> goodwill attempts and ignored legal discretion Ive suffered harm including account denials and bias in screening due to this reporting. Im attaching the CFPB response from <REDACTED> and other supporting documents. This is not a duplicate it is a new violation and refusal based on updated contact.
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Ove the last 60 days multiple unauthorized auto finance inquires present on my consumer reports from unknown creditors. In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : Alleged Creditor # 5 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : <REDACTED> Auto Financial <DATE> Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : <REDACTED> <DATE> Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : <REDACTED> <DATE> Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : <REDACTED> <DATE> Alleged Creditor # 5 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : <REDACTED> <DATE> Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : <REDACTED> <DATE> Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : SXXXX <DATE> Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : <REDACTED> <DATE> Alleged Creditor # 4 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : Ally Financial <DATE>
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On ( <DATE> ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 Equifax data breach and may have got into the hands of the wrong person.
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This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.
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I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
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I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the <REDACTED>, Experian, and <REDACTED> data breach.
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Collection From : <REDACTED> I am filing this complaint regarding an unresolved issue with a former apartment complex where I resided from round <DATE>. Recently, I was contacted about an alleged outstanding balance owed to this apartment company. I immediately requested written documentation or proof of the debt in order to validate the claim before taking any further action. However, I was informed by representatives of the apartment company that they were unable to provide any records or documentation regarding my lease, payments, or account balance because the property management team had changed since I moved out, and they no longer had access to my information. This situation is highly concerning and problematic for the following reasons : Lack of Documentation : I am unable to verify the accuracy or validity of the alleged debt, which puts me in an unfair position. Without proper documentation, I can not determine whether the amount claimed is correct, whether any charges were added in error, or if this debt is even legitimate. Consumer Rights : Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of any debt that is being claimed. It is unacceptable that the apartment company and/or any collection agency can not provide proper verification. Potential Impact to Credit : If this unverifiable debt is reported to credit agencies or sold to a collection agency without appropriate validation, it could unjustly harm my credit rating and financial standing. Negligence of Record Keeping : It is concerning that the apartment company did not maintain or properly transition important tenant records when management changed. Regardless of staffing changes, consumer records and financial documentation should be retained and made available to former tenants upon request, particularly when disputes arise. I respectfully request that the CFPB review this matter and take appropriate action to ensure that : The apartment company and/or any third-party collectors cease all collection activities until proper validation of the debt can be provided. The company be held accountable for failure to maintain essential records that impact consumers. Thank you for your attention to this matter. Sincerely, <REDACTED>
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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 any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. <REDACTED> <DATE>
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In <DATE>, I was the victim of a fraud scheme involving someone impersonating Wells Fargo. <REDACTED> I received a text from a five-digit number stating there was suspicious activity on my account. I replied that I didnt recognize the transaction. Minutes later, I received a call from someone claiming to be from Wells Fargo. The caller sounded legitimatethere was hold music, and they confirmed personal details like my phone number. They told me there were three suspicious charges on my credit card in Florida and instructed me to temporarily transfer funds from my credit card to my checking account to secure the money. I complied. Then they asked me to download a program to my computer that would give them access to my account. At that point, I became suspicious, pretended to take a call from my husband, and contacted Wells Fargo immediately. Wells Fargo confirmed the call was not from them and that the only unusual activity was the transfer I had just made. I did not share my Social Security number, home address, or account numbers. Wells Fargo told me to report the fraud and file a claim, which I did. They temporarily closed both my debit and credit accounts and issued me new cards. The fraud claim was eventually resolved, and in <DATE>, Wells Fargo refunded all fees. However, the issue resurfaced. Despite the resolved claim, I began receiving monthly cash advance chargeseven though I never took out a cash advance. I called Wellsfargo again, trying to figure out why did they start charging me on cash advanced again and was informed that Wells Fargo had failed to properly update my checking account number back in <REDACTED> despite the fact my cards have been replaced 23 times since then. Most frustratingly, on <DATE>, I received a letter stating that my claim was denied because no fraudulent activity could be identified. Yet, all of this started when I reported fraud within 5 minutes of it happening. Today, I spent over an hour on the phone with Wells Fargo trying to reach someone who could explain why these cash advance charges have resumed, and no one could help. Ive been a loyal Wells Fargo customer for 16 years, and I dont believe I deserve to be treated like this or charged for activity I did not authorize. I'm not a criminal. I did everything right : I acted fast, reported the fraud, cooperated fully, and even went in person to follow up. Yet the issue continues, and now my claim is being denied without proper explanation. I respectfully request the CFPB to review this situation and assist in getting Wells Fargo to properly resolve the recurring charges and fully correct the impact of this fraud incident.
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I requested and was granted by <REDACTED> a payment accommodation ( deferral ) plan on or about <REDACTED> of <REDACTED> in accordance with the Cares Act. My account # is <REDACTED>. Reported late payments was in <DATE>. <REDACTED> reported me late to the credit bureaus adversely affected my credit. <REDACTED> was prohibited in reporting me late as I was making modified, on-time payments as a part of the deferral agreement, and the agreement was made under the protection of the Cares Act regarding credit reporting an scores. <REDACTED> was not supposed to report me late as long as I was making payments under the deferral agreement. According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. <REDACTED> failed to do that and reported me late severely damaging my credit score and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.
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