| 08/23/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Whom it May Concern, I am writing this letter voluntarily and of my own free will. I've discovered that my credit reports include errors, and the FCRA statute requires that they be checked by real people rather than computer programs. Speaking with people I know will serve as verification, as secondary credit reporting organizations ' information is frequently wrong. As the source of this material, I demand that it be deleted right away.
1. Offer proof of the debt, such as real accounting.
2. A signed invoice serving as proof of their claim against you.
3. A copy of the contract that binds both you and the other party ; send this letter by recorded delivery so that there is a third party to attest to its delivery.
This letter is to inform you that the below referenced accounts being reported by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I have recently opted out from all secondary credit reporting so please do not rely on them for accuracy for they should not be sharing any of my information.
I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts?
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner.
Lastly please remove the following collection accounts and negative information from my credit reporting profile : These accounts are not mine. My credit report was accessed under false pretenses which is identity theft. I will be filing consumer complaints so that these companies are fined for the vicious and malicious practices. I will sue if necessary 15 USC 1681 requires all information to be accurate and verified. No one verified any XXXX of the above information. My rights are being violated. I have the right to privacy and did not give anyone permission to furnish this information. No accounts can be furnished on my report without my written permission A copy of the information you send me will enable me to conduct my own investigation into the accuracy of your records and confirm that a reasonable investigation was carried out. I am also asking you to send me an explanation of the procedures you followed and a description of the records you reviewed when you conducted your investigation. I'm making use of my ability to obtain information about these issues included on my consumer credit report under Section 609 of the Fair Credit Reporting Act. I have a right to inspect the information 's origin, which is the original contract bearing my signature, in accordance with section 609.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( XXXX ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) 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.
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| 09/22/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have a case where I was sued in XXXX and the original creditor debt collecting attorney won. They won XXXX and XXXX but in turn I sued there attorney and won XXXX for him violating the fdcpa. The original attorney never came to collect the balance.It was from XXXX. Now central credit added fees to it and the original creditor was only aloud interest and attorney fee. I disputed there attorney fees. Central credit added items past the statue of limitations on there and they collected it from settlement oy home.Theycollected items not included in the lawsuit that was past the statue of limitations, the attorney for the original creditor was sued due to the items that was there. Now central credit added those items back to it that was past the statue back in XXXX and now added over XXXX in collection fees that was not part of the lawsuit and I refuse to pay there attorney due to the contract was broken when he violated the law. And I was wondering if you may be able to help with this. I also from XXXXnever delt with central credit, never got any letters for them to add fees is unjust. I requested the original creditor to send me information that they are collecting an they refused. Also they were awarded from the second quarter of XXXX And central credit was paid that and added items that was in violation from the attorney to it. They collected more then the contract from the lawsuit illegally, refused me of my rights, items past the statue of limitations that was sued over by the fight debt collector attorney and added there own fees that was never in the court document. Never sent me anything after XXXX. The original attorney was uSed and never contacted me again after he was sued. I have that proff and proof they was XXXX and XXXX only. And I will not cover there attorney fee due to the violation. central credit statement shows items not to be on there.
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| 02/28/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On XXXX XXXX Central Credit Audit LLC sent a notice under the name ( XXXX XXXX XXXX for a bill balance of XXXX for creditor XXXX XXXX XXXX.
I have no knowledge of the bill/balance because for XXXX that's not my first or last name and using my social security number for financial gain.
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| 01/22/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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| 01/22/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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| 01/19/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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| 01/19/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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